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Should I Refinance My Home While Interest Rates Are Low?

March 31, 2023 by Brett Tams

If interest rates are low, refinancing your home mortgage loan can seem like an attractive option to get smaller payments or significant savings. If you’re thinking of refinancing your home, it’s important to have a good understanding of the the right timing, the costs and the available types of refinancing options to ensure you make […]

The post Should I Refinance My Home While Interest Rates Are Low? appeared first on The Simple Dollar.

Posted in: Apartment Decorating, Mortgage, Refinance Tagged: 15-year, 2, 2022, 30-year, 30-year mortgage, All, apr, ask, Auto, auto loan, average, balance, before, Benefits, big, Borrow, borrowers, Budget, build, calculator, Cash-Out Refinance, closing, closing costs, Closings, College, Commercial, cons, Conventional Loans, cost, Credit, Credit and Debt, credit card, Credit Card Debt, Credit Report, credit score, data, Debt, down payment, environment, equity, expenses, expensive, FHA, FHA loans, Finance, Financial Goals, Financial Wize, FinancialWize, fixed, Free, funds, future, Giving, goals, good, home, home equity, home loan, home purchase, home renovations, homeowners, house, ice, id, Income, Insurance, insurance premiums, interest, interest rate, interest rates, investment, items, lenders, Life, Live, loan, Loans, Long-term Savings, low, LOWER, Make, making, math, md, modern, money, monthly budget, More, Mortgage, Mortgage Insurance, Mortgage Insurance Premiums, mortgage lender, mortgage loan, mortgage payment, mortgage payments, Mortgage Rates, mortgage refinance, mortgage technology, Move, new, new home, old home, one day, or, Original, Other, paying off credit card debt, payments, percent, plan, Planning, PMI, president, principal, private mortgage insurance, products, project, property, pros, Pros and Cons, Purchase, questions, rate, Rates, reach, Refinance, refinance your mortgage, refinancing, refinancing a mortgage, remodeling, renovations, repayment, return, right, risk, room, save, Save Money, savings, Sell, shopping, simple, smart, stable, tax, Technology, time, timeline, timing, title, tuition, Underwriting, value, versus, will, work

Hidden ways credit card debt can cost you money

March 29, 2023 by Brett Tams

Whether you’re new to the credit card rewards space or you’ve used millions of points and miles to travel the globe, there’s a cardinal rule that every rewards enthusiast should follow: It’s essential to pay off your entire credit card balance each month. When you carry an outstanding credit card balance from one month to …
Posted in: Moving Guide Tagged: 2, 2022, 2023, 429, 457, affordable, All, annual percentage rate, apartment, Apps, apr, Auto, auto insurance, auto loan, avalanche, average, balance, balance transfer, basic, Benefits, bills, Borrow, Budget, Budgeting, build, build credit, Buy, buy a house, Buying, Buying a house, calculator, car, chance, color, Consumers, cost, couple, create a budget, Credit, credit card, credit card account, Credit Card Debt, credit card rewards, credit cards, Credit Report, credit score, credit scores, credit utilization, data, Debt, debt consolidation, debt snowball, Debts, Deposits, existing, expensive, experts, Extra Money, Federal Reserve, fico, fico score, Financial Goals, Financial Services, Financial Wize, FinancialWize, financing, funds, future, General, goals, good, good credit, guide, habits, home, home loan, house, id, Income, Insurance, interest, interest rate, interest rates, lease, lenders, Life, list, loan, Loans, LOWER, Make, manage, miles, money, Money Management, More, more money, Mortgage, Move, new, offer, or, Other, Personal, Personal Loans, plan, points, poor, Popular, priorities, products, rate, Rates, Research, rewards, risk, safe, save, Save Money, Saving, savings, short, snowball, sofa, space, Spending, Strategies, Style, time, tips, Travel, value, versus, will, woman

State Farm Auto Insurance Review | Good Financial Cents®

March 26, 2023 by Brett Tams

Ranked as #5 in our Best Auto Insurance category, State Farm stands out with their individual, personalized service through a robust network of offices.
Posted in: Banking Tagged: 2, 2021, 2022, 429, ad, agent, agents, Alabama, All, app, Arizona, Arkansas, Auto, auto insurance, auto loan, average, Awards, balance, basic, beneficiary, bills, boats, bonds, Built, business, business insurance, ca, california, car, Car Insurance, cars, chance, choice, Clean, clear, College, Colorado, columbia, Commercial, company, Connecticut, contractors, cost, country, Credit, credit history, credit score, ct, customer service, Deductible, deductibles, Disability, Discounts, Drivers, driving, dune, expenses, expensive, experience, farm, Financial Wize, FinancialWize, Florida, Free, gap, gap insurance, gas, Georgia, good, great, hawaii, health, Health Insurance, history, home, Home Insurance, Homeowner, homes, houston, How To, id, idaho, Illinois, indiana, industry, Insurance, insurance coverage, insurance premiums, investment, lease, Life, life insurance, list, lists, Live, loan, Local, louisiana, LOWER, Main, maine, Make, Maryland, Massachusetts, md, Medical, Medicare, Michigan, miles, mississippi, missouri, mobile, Mobile App, money, montana, More, most popular, motorcycles, Moving, nebraska, needs, net worth, Nevada, new, New Jersey, new york, north carolina, offer, offers, office, Offices, Oil, or, Oregon, Other, passive, pay bills, Personal, Pet, points, policies, Popular, premium, price, principal, products, programs, property, protect, protection, Quotes, rate, Rates, ratings, rental, Review, rideshare, right, risk, safe, save, savings, School, searching, second, security, shopping, short, Side, single, Small Business, social, social security, South Carolina, south dakota, state farm, states, student, Style, Tennessee, texas, theft, Travel, under, unique, Utah, vehicles, virginia, volume, washington, Washington DC, will, Wisconsin, work, workers

10 Best Debt Consolidation Loans for December 2023

March 24, 2023 by Brett Tams

Have you been struggling to deal with credit card debt that never seems to go away? If so, a debt consolidation loan can offer a way out. It won’t make your debt go away, but it will help it become more manageable. And, by setting up the right loan, you can be debt-free in a […]

The post 10 Best Debt Consolidation Loans for December 2023 appeared first on Good Financial Cents®.

Posted in: Debt, Frugal Living Tagged: 2, 2023, 429, ad, Alabama, All, Amount Of Money, annual percentage rate, apr, Arizona, Arkansas, assets, Auto, auto loan, Auto Loans, average, bad credit, bad credit score, balance, Bank, bank account, Banking, banks, basic, big, bills, Borrow, borrowers, borrowing, Budget, Budgeting, business, business loans, ca, california, choice, co-signer, Colorado, company, Connecticut, cons, Consumers, Credit, Credit Bureaus, credit card, Credit Card Debt, credit card payment, credit cards, credit history, credit repair, Credit Report, credit score, credit scores, Credit unions, credit utilization, ct, customer service, data, Debt, debt consolidation, debt management, debt-to-income, Debts, Delinquencies, deposit, Deposits, DTI, estate, existing, expense, expenses, experience, Fall, Fees, Financial Services, financial stability, Financial Wize, FinancialWize, financing, fixed, fixed rate, Florida, Free, funds, Georgia, Get Out of Debt, get started, Giving, Goldman Sachs, good, good credit, good credit score, guide, hawaii, history, home, Home Improvement, How To, how to get a personal loan, How to Get Out of Debt, idaho, Illinois, improvement, Income, index, indiana, industry, Insurance, interest, interest rate, interest rates, Investing, investments, investors, items, lenders, LendingTree, list, loan, Loan origination, Loans, louisiana, low, low rates, LOWER, Main, maine, Make, making, Marcus, Maryland, Massachusetts, md, Medical, medical bills, Michigan, mississippi, missouri, Mistakes, mobile, money, montana, More, more money, Mortgages, most popular, nebraska, Nevada, new, New Jersey, new york, north carolina, offer, offers, opportunity, or, Oregon, Origination, Other, patient, payment history, payments, Personal, personal information, personal loan, Personal Loans, poor, Popular, pros, Quotes, rate, Rates, Real Estate, refinancing, repair, repayment, retirement, Reviews, right, risk, river, save, Save Money, savings, Savings Accounts, search, short, simple, single, sofi, South Carolina, south dakota, space, stable, stocks, student, student loan, Student Loans, Style, Tennessee, texas, the balance, time, title, tools, under, unsecured loans, Utah, vacation, virginia, washington, Washington DC, wealth, Wedding, will, Wisconsin, work, working

Mortgage reperformance bearing up, other consumer debt woes rising

March 22, 2023 by Brett Tams

Most distressed mortgages emerged from workouts intact in February but the chargeoff rates for auto loans and credit cards are up, in part due to steep housing costs that have contributed to high levels of household leverage. The majority or 76% of borrowers who completed post-forbearance workouts on distressed homes loans from 2020 on were … [Read more…]

Posted in: Refinance, Renting Tagged: 2, 2022, 2023, analysis, Auto, auto loan, Auto Loans, big, bills, borrowers, borrowing, Budget, climate, company, consumer debt, Consumers, cost, crash, Credit, credit card, Credit Card Debt, credit cards, data, Debt, Delinquencies, Delinquency rate, Distressed, Economy, equity, estate, Finance, Financial Wize, FinancialWize, Forbearance, Forecast, gas, government, great, groceries, hold, home, home loan, homeowners, homeownership, homes, household, Housing, housing costs, industry, Inflation, investors, Land, leverage, Living, loan, Loans, maintenance, making, Marina Walsh, MBA, Media, Moody's, Mortgage, Mortgage Bankers Association, Mortgage delinquency rate, Mortgages, News, or, Other, pandemic, paycheck, paycheck to paycheck, payments, president, Press Release, quality, rate, Rates, Real Estate, Recession, renovation, repair, Research, rise, savings, Servicing, survey, time, TransUnion

Wells Fargo agrees to $3.7 billion settlement with CFPB over consumer abuses – CNBC

March 18, 2023 by Brett Tams

Wells Fargo agrees to $3.7 billion settlement with CFPB over consumer abuses  CNBC

Posted in: Savings Account Tagged: 2, 2016, 2022, action, Applications, assets, Auto, auto loan, Auto Loans, Bank, bank accounts, bank of america, Banking, banks, borrowers, business, cars, CEO, CFPB, charlie, chase, Checking Accounts, clear, cnbc, color, company, Compensation, Consumer Financial Protection Bureau, Consumers, Credit, Credit unions, Crisis, data, expense, expenses, experience, fed, Federal Reserve, Fees, Financial Wize, FinancialWize, Foreclosures, funds, future, goal, growth, history, homes, Insurance, interest, Investing, investors, JPMorgan Chase, Legal, list, loan, Loans, Mistakes, More, Mortgage, mortgage loans, mortgage servicing, Mortgages, Moving, News, or, Other, overdraft fees, payments, products, protection, Refund, Regulatory, remediation, resolution, rise, Rohit Chopra, san francisco, Servicing, settlement, shares, speculation, taxes, the fed, u.s. bank, under, vehicles, Video, wall, Wall Street, wells fargo, will, work, working

Why did my credit score drop? 12 common causes + solutions

March 15, 2023 by Brett Tams

Credit scores can drop suddenly for a variety of reasons, including having a late or missed payment or applying for a new line of credit.
Tagged: 2, 2022, 30 days past due, action, active, advice, agents, All, Applications, author, Auto, auto loan, average, balance, bankruptcy, before, big, Blog, Budget, build, chance, clear, closing, Collections, College, Compliance, Compound, cosigner, Credit, Credit Bureaus, credit card, credit card account, Credit Card Debt, credit cards, credit history, credit limit, credit repair, Credit Report, Credit Reporting, Credit Reports, Credit risk, credit score, credit scores, credit utilization, credit utilization ratio, creditors, data, Debt, Digit, disclosure, double, fico, fiduciary, Financial Freedom, Financial Wize, FinancialWize, foreclosure, fraud, fraud alert, freedom, FTC, General, good, graduated, guide, habits, hard inquiry, healthy, history, home, How To, identity theft, impact, Inquiries, interest, interest rates, international, items, job, late payments, Law, Legal, lenders, lexington law, line of credit, Links, loan, Loans, low, LOWER, Make, making, measure, missed payments, mistake, Mistakes, money, Money habits, More, Mortgage, Negative Items, new, north carolina, oldest, Other, payment history, payments, percent, Personal, Personal Loans, plan, points, proactive, Purchase, rate, Rates, reach, Refinance, repair, Review, revolving credit, right, risk, running, School, second, shopping, short, Spending, Style, the balance, theft, time, title, under, Utah, virginia, will, work, working

Opinion | Rising consumer debt is a warning sign for the U.S. economy – The Washington Post

March 9, 2023 by Brett Tams

Opinion | Rising consumer debt is a warning sign for the U.S. economy  The Washington Post

Posted in: Savings Account Tagged: 2, 2023, 30-year, ad, aid, All, analysis, Apps, Auto, auto loan, Auto Loans, average, banks, basics, Benefits, big, Big Picture, bills, bold, borrowers, budgets, business, Buy, Buying, car, car prices, cars, Children, Choices, Collections, color, company, consumer debt, Consumer Financial Protection Bureau, Consumers, consumption, country, Credit, credit card, Credit Card Debt, credit scores, Crisis, data, Debt, debt collectors, Debts, decades, drives, driving, Economy, energy, Equifax, expenses, Fall, Family, Federal Reserve, Financial Wize, FinancialWize, food, furniture, gift, Goldman Sachs, government, gray, great, growth, health, heat, Hiring, home, home loan, homes, hot, household, household debt, Housing, housing crisis, Income, Inflation, interest, interest rates, items, job, job market, jobs, Layoffs, lenders, Life, list, loan, Loans, low, low-income, LOWER, making, market, md, Medicaid, money, More, Opinion, Other, pandemic, paycheck, paycheck to paycheck, payments, percent, Personal, personal loan, Popular, poverty, president, Prices, protection, Rates, Recession, repair, return, running, savings, School, search, Secondary, Spring, stories, story, student, student loan, student loan debt, subscriptions, summer, tax, tax benefits, tax credit, tax refunds, time, title, used car, wall, Wall Street, washington, white, will, withdrawal, work, workers

What Is a Prepayment Penalty for Paying Off a Loan Early?

March 6, 2023 by Brett Tams

If your loan has one, you need to know what a prepayment penalty is, how to read the terms, and how to avoid them in the future.
Posted in: Business Tagged: 2, 2022, 2023, 30-year, 30-year fixed mortgage, About Mortgages, active, Administration, advisor, All, Alternatives, Amount Of Money, apple, ask, author, Auto, auto loan, average, balance, Bank, Banking, banks, basic, before, big, bills, book, borrowing, build, business, Buy, car, Checking Account, city, clear, color, commission, Compound, Compound Interest, Consumer Financial Protection Bureau, contracts, cost, Credit, credit cards, credit score, Credit unions, crime, data, Debt, debt-to-income, decades, department of education, Department of Housing and Urban Development, Development, disclosure, double, education, engagement, engagement ring, existing, Extra Money, Family, Fees, FHA, FHA loans, Finance, Financial Advisor, Financial Wize, FinancialWize, fixed, Free, friendly, future, General, good, government, healthy, historical, history, hold, hole, home, home loan, homeowners, house, Housing, housing payments, How To, HR, impact, Income, industry, interest, interest rate, interest rates, internet, Invest, Investing, investment, job, Law, lawyer, lawyers, Legal, lenders, lending, list, Living, loan, Loan officer, loan officers, Loans, low, LOWER, Make, making, man, math, Media, money, More, more money, Mortgage, mortgage loan, mortgage loans, Mortgages, Move, Moving, new, new job, offer, offers, opportunity, opportunity cost, Original, Other, Paying Off Debt, payments, penny, Personal, personal loan, Personal Loans, pets, place, plan, pressure, pretty, principal, private student loans, Promotion, protection, rate, Rates, Refinance, refinancing, reminder, Rent, retirement, return, return on investment, returns, Review, revolving credit, right, save, Save Money, Saving, search, search engine, second, Sell, selling, Side, simple, single, sleep, Small Business, Small Business Administration, social, states, student, Student Loans, Style, time, title, U.S. Department of Housing and Urban Development, under, update, USDA, usda loans, VA, VA loans, versus, veterans, veterans affairs, wall, Wall Street, will, work

8 Tips for Buying a House When You Have Bad Credit

March 6, 2023 by Brett Tams

8 Tips for Buying a House When You Have Bad Credit

Buying a house with bad credit can be challenging, but it’s doable with planning and preparation. Subprime borrowers — homebuyers with lower credit scores — may be eligible for both federally backed loans and conventional mortgages. If your credit score is less than stellar but you’re ready to buy a home, it’s important to pause […]

The post 8 Tips for Buying a House When You Have Bad Credit appeared first on SoFi.

Posted in: Financial Advisor, Home Ownership, Mortgage Tagged: 2, 2021, 30-year, 457, active, Administration, advice, All, AllZ InvestZ, analysis, at risk, Auto, auto loan, average, bad credit, bad credit score, Bank, bankruptcy, basics, before, bills, blue, borrowers, borrowing, Budget, Budgeting, build, Buy, buy a home, buy a house, buyer, buyers, Buying, Buying a Home, Buying a house, Buying Guide, calculator, clear, closing, closing costs, color, Consumers, conventional loan, cosigner, cost, couple, Credit, credit cards, credit history, credit rating, credit repair, Credit Report, Credit Reporting, Credit Reports, credit score, credit scores, credit utilization, credit utilization ratio, CSMGen, Debt, debt-to-income, Debts, display, down payment, Down Payment Assistance, dream, dream home, DTI, education, Employment, Equifax, experian, faq, FDIC, FHA, FHA loan, FHA loans, fico, fico score, finances, Financial Goals, financial tips, Financial Wize, FinancialWize, first time home buyers, first-time buyers, First-time Homebuyers, fixed, foundation, Free, FTC, General, goals, good, government, guide, history, home, home buyers, home buyers tips, home buying, home loan, Home Ownership, homebuyer, Homebuyers, homeowners, homeowners insurance, homeownership, homes, house, House poor, Housing, How To, HR, Income, Inquiries, Insurance, insurance premiums, interest, interest rate, interest rates, late payments, Law, Learn, Legal, lenders, Life, Links, loan, loan programs, Loans, low, LOWER, maintenance, Make, making, measure, Media, Mistakes, model, money, More, more money, Mortgage, mortgage basics, mortgage calculator, Mortgage Insurance Premiums, mortgage interest, mortgage lenders, mortgage loan, mortgage loans, mortgage payment, mortgage payments, Mortgage Rates, Mortgages, needs, new, NMLS, organization, Origination, Other, party, paycheck, payment history, payments, place, plan, Planning, PMI, poor, pretty, principal, private mortgage insurance, products, programs, proof, proof of income, property, property taxes, Purchase, rate, Rates, ready, Refinance, refinance your mortgage, repair, retirement, Review, revolving credit, right, risk, rural, save, Saving, shopping, short, single, sofi, SpendDe, states, stock, Strategies, student, student loan, Student Loans, Style, taxes, time, tips, title, TransUnion, under, USDA, usda loans, VA, VA loan, VA loans, veterans, veterans affairs, wealth, Websites, white, will, youtube
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