If you purchased your home when rates were high, and you want to take advantage of the new lower rates, now’s the time to streamline your mortgage. One of the best ways to do that is through a USDA streamline assist program. USDA streamline refinance loans are a great way to refinance your home at a lower finance rate. The lower interest rate will reduce your monthly payments, allow you to pay your home off sooner, and reduce the overall cost of your home. Read More»
For most people, having a car is a necessity. The average person relies on an automobile to commute to work and transport their family. However, cars are expensive and few people have the funds available to pay for a car in cash. Thus, taking out an auto loan is the norm when purchasing a car. But, for those with credit issues, getting approved for an auto loan can be a challenge. Read More»
Members of the armed services have access to a special mortgage product referred to as a VA loan. These mortgages often come with lower interest rates and less stringent qualifications.
In the past, a VA loan could only be used to finance a home that met strict minimum property requirements. This means that service members could not invest in older or run-down homes. Thanks to changes in the VA loan policies, a VA renovation loan can now be used in coordination with a home loan to give service members access to any property. Read More»
If you are trying to help a friend get out of jail but do not have a lot of cash on hand to use for it, you might be wondering if it is possible to use collateral. If you own anything that has value and are willing to use the item as collateral, it is possible to get a person out of jail with this. Here are several things you should understand about using collateral to bail a friend out of jail. Read More»
If you plan on applying for a home mortgage soon, you may have some concerns about your ability to qualify for one with a low rate and the best repayment terms. Luckily, there are several steps you can take before you apply to improve the process, as well as the quality of the mortgage loans you may be offered.
Obtain and verify your credit report
Instead of merely checking an app for your three-digit credit score, take the time to obtain and verify a complete copy of your credit report from all three of the national credit bureaus - Transunion, Equifax, and Experian. Read More»
If you are interested in starting a house flipping business, there are things you should know. This type of business involves buying properties and reselling them quickly for a profit. Those who succeed in this business take the time to learn everything about it prior to trying their first flip. You also want to follow the same technique. Additionally, partner with professionals who can give you trustworthy advice concerning a house flipping business. Read More»
When you’re arrested and held on bond, you’ll need to post a bail amount (determined by the judge) in order to be released from jail prior to your court date. If you don’t have the cash to pay for your bail, however, you may be booked in jail until you’re able to be seen by a judge. Another option to consider is that of taking out a bail bond, which is essentially a third-party loan to cover your bail amount. Read More»
When you must move from one location to another, you will always find yourself with more expenses than usual. You will need to pay the deposit and the first month of rent to move into your new place. Transporting items from your old space to your new space is also something that you will need to pay out of pocket. When you are trying to do all of this on your regular salary, you may find that your budget becomes too tight for wiggle room. Read More»
Virtually everyone needs a checking account to perform common financial transactions and have a safe place to deposit their money. Unfortunately, many banks charge monthly fees for the privilege of having an account with them. This is not true of all financial institutions, however. Some banks still offer free checking accounts, so it’s possible to avoid monthly maintenance fees if you do some comparison shopping. This article takes a look at some key tips to help you find a free checking account that fits your needs. Read More»
After an arrest, a defendant is booked and place in a holding cell while they wait to go before a judge. The judge will take several points into consideration before determining if the defendant is free to leave, denying bail, or assigning a bail amount. If the bail amount is high, you can ask the judge for a bail reduction. For many, this reduction makes it more feasible to obtain the assistance of a bail bondsman. Read More»
