Bail bonds are a saving grace for a lot of people every year who end up in jail and have no idea how they will get out. If you are ever in this situation and need to get out of jail quickly in spite of not having the funds to do so, it is helpful if you know how the process works. There are a few things about the bail bonds process that can come as a surprise if it is the first time you will be obtaining a bail bond. Read More»
While many Americans look forward to income tax filing season as a source of a refund, others end up with a surprise tax bill. The reasons range from underpaid withholding to unexpected tax consequences of a life change or even the start of a new business venture. But the end result is the same: a big bill in October or April when you file taxes. If you’re facing this challenge, don’t despair. Read More»
Credit is one of the most important aspects of your financial health. From employment to homeownership, poor credit causes problems. What’s less understood by some people is just how debt can hurt their credit, even if they have a good mix of credit and a history of on-time payments. Learn how debt affects your credit and how a personal loan can help you overcome these woes. The Connection Between Debt and Credit Read More»
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»