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Understanding House Poor: Causes, Effects & Solutions

Being house poor means you’re spending the majority of your income on housing expenses. Whether you rent or own, you shouldn’t be spending more than 30 percent of your monthly income on y
Pre-Qualified vs. Pre-Approved for a Mortgage: Understanding the Difference

If you’re thinking of buying a home in the near future, you’ve probably started reading up on a lot of the terms related to mortgages. Mortgages are a type of loan you can use to purchase
Millennial Homeownership: Trends, Challenges, and the Path to Property Ownership

Millennials aren’t buying homes as often as other generations. Compared to baby boomers and gen Xers at the same age, millennials purchase homes 8 percent less often. Millennials are red
Accelerate Mortgage Payoff: Strategies for a 5-Year Plan

For new homeowners, 30 years of being in debt is a painful prospect. Who still wants to owe money on their home after retirement? Unfortunately, this is the timeframe on which many tradit
Smooth Transitions: 10 Tips to Help Kids Adjust to a New Home + Free Printables

We all know that no matter how exciting a move may be, it can also be a very stressful time. It takes weeks, even months of planning to prepare everything, and it can take much more out o
PMI Explained: Understanding Private Mortgage Insurance & Its Role in Homeownership

Preparing to become a homeowner is an exciting financial milestone, but the homebuying process is full of curveballs and complex processes that can make it a challenging feat. Buying home
PMI Explained: Understanding Private Mortgage Insurance

Preparing to become a homeowner is an exciting financial milestone, but the homebuying process is full of curveballs and complex processes that can make it a challenging feat. Buying home
Buying a Home with Poor Credit: Options & Strategies

It’s possible to buy a house with “bad credit” (typically defined as credit scores below 630), but you’ll likely have to pay higher mortgage rates or a higher down payment than those with
Escrow Explained: How It Works & Its Benefits

Escrow is a legally binding arrangement where a third party holds assets from a buyer and seller during the sales process until a transaction is complete. While escrow can be used for var
Mortgage with Bad Credit: Strategies for Approval & Lower Rates

You should have a good credit score to enhance your chances of getting a mortgage, but there are plenty of ways to get approved — and even to keep your monthly payments and interest rates
First Apartment Budget & Checklist: Is Moving Right for You?

When thinking about moving out for the first time, you’re contemplating taking a big leap into adulthood. Having a whole place to call home is more than gratifying — it’s a rite of passag
12 Smart Home Hacks to Save Money & Enhance Your Life

Smart homes are growing in popularity as new gadgets and tech hit the market every year, making smart devices more affordable and refined than ever. Most of us have seen robotic vacuums,
Home Equity Loan vs. Cash-Out Refinance: Which is Right for You?

Being a homeowner comes with plenty of perks: you get to set roots at your residence, decorate and paint however you want, and above all, use your home as an investment. If you’ve built u
Refinancing Your Mortgage: 8 Tips to Save Money & Time

If you’re like most homeowners in America, you most likely had to take out a mortgage to pay for your home. A mortgage is a loan that helps you buy a house, and your mortgage lender will
Cash-Out Refinance: How It Works & Benefits | [Your Company Name]

If you’re a homeowner looking to take advantage of the equity you’ve built in your home, you might consider how a cash-out refinance could help you meet your financial goals. Like any fin
Mortgage Forbearance Explained: A Guide to Payment Relief

When your budget is tight due to a financial setback, figuring out how to handle expenses is overwhelming. Thankfully, there are options like mortgage forbearance to ease the financial bu
Home Improvement Financing Options During COVID-19

Many of us are home much more than usual these days, and you may be thinking about ways to improve your home — whether it’s expanding your new home office, upgrading your air cond
Mortgage Refinancing in Low Interest Rate Environments: A Comprehensive Guide

The mortgage industry (and interest rates) have a somewhat complicated relationship with the rest of the overall economy. Generally speaking, when the economy is doing very well, the Fede
Rent Affordability Calculator: Determine Your Ideal Rent Budget

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Hard Money Loans: Definition, How They Work & Benefits

Hard money loans are a way for borrowers to take out a real estate loan without having to work with traditional lenders, like banks, credit unions, or mortgage agencies. Traditional lende

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