Borrowing Mistakes to Avoid ››

Borrowing Mistakes to AvoidMost of us do everything we can to avoid getting sick. We wash our hands regularly, make sure our food is adequately cooked and do all of the other little things so that we don’t come down with a cold or the
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Top Tips to Negotiate Your APR ››

Top Tips to Negotiate Your APRCredit cards offer a great deal of convenience and give us access to credit at a moment’s notice. So why do so many people think they’re evil? One reason is because they often come with a high APR (annual percentage rate). Since lending
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Second Mortgage Myths and Facts ››

Second Mortgage Myths and FactsThere’s been a lot of activity in the residential real estate and real estate lending markets over the past few decades. Home prices have spiked and fallen in many parts of the country, while foreclosures and similar proceedings are at or near
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Why Should You Have a Home Equity Line of Credit? ››

Why Should You Have a Home Equity Line of CreditFor homeowners, tapping into their home equity has long been a popular way to get the money they need. Proceeds from home equity loans are often used to consolidate bills, make repairs, take care of emergency expenses or help pay for a
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Filing for Bankruptcy ››

Filing for BankruptcyBankruptcy is something that we all hope we never have to go through. But for all too many consumers, unforeseen financial difficulties make bankruptcy one of the few options to get one’s credit and good name back. Before you file for bankruptcy,
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The Economics of Renting Versus Buying ››

The Economics of Renting Versus BuyingBuying a home is part of the so-called American Dream. It gives homeowners a sense of pride, as well as the freedom to do as the please (within reason and within the law) with their property. But there’s a lot to be
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How to Dispute Your Credit Report Information ››

How to Dispute Your Credit Report InformationThe information in your credit report can affect many areas of your life, so it’s important to keep track of what’s in it. If you find information that is incorrect for any reason, it’s your job to dispute that information in order
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Shopping for a Mortgage ››

Shopping for a MortgageOwning a home is a goal that many of us share. But it’s not as simple as choosing a house and laying down the money. Unless you have plenty of money saved up, you’ll have to get a mortgage first. Many prospective homeowners
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Should You Downsize Your Mortgage? ››

Should You Downsize Your MortgageWhen interest rates drop, homeowners tend to flock to mortgage lenders hoping to refinance. In good economic times, they are usually looking to not only take advantage of lower interest rates, but tap into their home equity for some extra cash. But
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