How To Get A Mortgage

Homeownership is an aspiration for most Americans. During the COVID-19 pandemic, there has been a spike in home sales. According to the U.S. Census Bureau, there were approximately 82.8 million homeowners in the United States, which is an increase of 2.1 million over the previous year. Anyone can buy their own home if they can get a mortgage.

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Deciphering the Types of Loans (A Quick Guide)

Wouldn’t it be great if you could pay for everything in cash and avoid debt? The challenge is that no matter how much you save, there are going to be expenses that are just too costly, such as buying a car, paying for college, buying a home, or paying unexpected medical bills. You want to be able to borrow money when you need it, so you should familiarize yourself with the types of loans that are available.

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5 Credit Union Credit Card Perks You Should Know About

Managing credit cards is an important part of personal finances. A credit card gives you lots of spending freedom. Rather than paying cash for a transaction or having to write a personal check, a credit card is a universally accepted form of payment.

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4 Steps to Smart Homebuying: Your Mortgage Loan Prep Checklist

The housing market has never been hotter. Mortgage rates are still very low, and coming out of the pandemic slowdown of 2020, homebuyers are actively shopping. In such a competitive real estate market, it pays to be prepared so you can move quickly when you find the right home, especially when it comes to qualifying for a mortgage loan.

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How to Calculate Your Home Equity Line of Credit

Homeownership is something that many people dream about. Owning your own home offers benefits beyond owning a place to live—the biggest being that it allows you to build home equity. Your home is likely to be the most expensive purchase you will ever make, and it will be your most valuable asset, so accessing the untapped value of your home offers many advantages.

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A Quick Guide to Balance Transfers

All of us had a difficult 2020. Because of the pandemic, tens of thousands of Americans lost their jobs, and more Americans are using credit cards to pay for groceries and household expenses. That means mounting debt for many families. One way to manage your credit card debt is with balance transfers.

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4 Reasons You Should Start Building Credit Now

Everyone needs to be concerned about their credit. Building credit is necessary in order to obtain a credit card, buy a car, buy a house, rent an apartment, or even apply for a job. Chances are that you are already building credit, whether you are aware of it or not, and maintaining a good credit score is important as your life changes. Being proactive about building your credit can open new doors for you as you plan for the future.

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Credit Card Rewards: Now Is the Right Time to Rack Up Rewards Points

The COVID-19 pandemic has changed our spending habits, perhaps forever. With shelter-in-place orders and restaurant closures, fewer people are eating out (although many are ordering in). There is a major shift in to shopping online and having goods delivered. Streaming services are booming as we buy more home entertainment. Even when we do go out, fewer stores are accepting cash because of worries about infection. This is a great time to take a look at your credit and see if you are getting the most out of credit card rewards.

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How to Protect Your Credit Score During the Pandemic

Times of uncertainty tend to create economic chaos. Just look at stock market trends during the COVID-19 pandemic. When there is a global crisis like the novel coronavirus, you need to know how to protect your personal finances, including how to protect your credit. As your personal situation changes, your credit becomes more important, because you may need to use that credit until things return to normal.

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