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WTFinance is Credit Card Pre-Qualification?

February 2, 2023 by Brett Tams

When it comes to shopping for credit cards, while pre-qualified or pre-approved sound very similar, they’re quite different things. In this post we’ll give you the low down on what pre-qualification means, particularly when it comes to financing, its top benefits, how it impacts your credit, and how to go about evaluating offers. What Is

The post WTFinance is Credit Card Pre-Qualification? appeared first on MintLife Blog.

Posted in: Find An Apartment Tagged: 2022, All, apr, artists, assessment, author, balance, Bank, basic, before, Benefits, Blog, car, car loan, Careers, chance, color, company, Consumers, court, Credit, Credit & Credit Cards, Credit Bureaus, credit card, credit card company, credit card issuer, credit cards, Credit Info, Credit Report, Credit Reports, credit score, data, Debt, Employment, Equifax, expenses, Featured, Fees, fico, Finance, Financial Wize, FinancialWize, financing, free credit report, freelancers, Giving, good, great, green, hard inquiry, How To, hunting, impact, Income, Inquiries, layout, lenders, Life, line of credit, list, loan, Loans, low, LOWER, Make, millennials, Mint, mint.com, mobile, money, More, Mortgage, needs, new, offer, offers, Other, Personal, personal finance, personal information, points, pre-approval, projects, Rates, rewards, save, shopping, soft inquiry, stage, student, Student Loans, Style, tax, time, tips, title, Travel, versus, white, will, woman, work, WTFinance

Minimum Credit Score for Buying a House

February 1, 2023 by Brett Tams

Minimum Credit Score for Buying a House is a post from Pocket Your Dollars.

Posted in: Mortgage, Refinance Tagged: All, Apps, Auto, auto loan, average, bad credit, bad credit score, Bank, bankruptcy, before, big, bills, Books, Budget, building, Buy, buy a house, buyers, Buying, Buying a house, CDs, clear, Clothes, collecting, Collections, cost, court, Credit, Credit Bureaus, credit card, credit cards, credit history, credit limit, Credit Report, credit score, credit scores, credit utilization, credit utilization ratio, Crisis, data, Data breaches, Debt, debt consolidation, debt-to-income, Debts, Delinquencies, down payment, eating out, Equifax, experian, farm, Fees, Financial Wize, FinancialWize, first-time buyers, First-time Homebuyers, fixing your credit, food, foreclosure, Foreclosures, Fraction, fraud, games, getting a mortgage, Giving, good, good credit, government, great, history, home, home loan, home loans, Homebuyers, homes, house, household, Housing, housing crisis, Income, Inquiries, inspections, Insurance, interest, interest rate, investments, items, late payments, lenders, Life, Lifestyle, loan, Loans, low, LOWER, Main, Make, making, market, money, More, Mortgage, mortgage lenders, mortgage loan, mortgage payments, MORTGAGE RATE, Mortgage Rates, Mortgages, Motivation, new, Other, patient, payment history, payments, Personal, personal loan, points, poor, principal, Purchase, Raise, rate, Rates, realtor, reward, right, risk, save, savings, searching, second, second home, Sell, selling, simple, Sites, Spending, statistics, stress, subprime mortgage, taxes, time, TransUnion, under, Video, wealth, will, work, wrong

HMDA Compliance, Expansion Plan, Pricing Engine, Subservicing Products; Program and Procedure Changes

February 1, 2023 by Brett Tams

Does technology always trump personal skills? Sometimes. But not all the time. Good LOs use the technology that best suits them in combination with their personal attributes to help borrowers every day. “In space, no one can hear you scream. In cyberspace, no one can shut you up.” How ‘bout some IT-related stuff? Here’s a softball: did you know that “Bluetooth” was named after Harald Bluetooth? The Bluetooth wireless specification design was named after the king in 1997, based on an analogy that the technology would unite devices the way Harald Bluetooth united the tribes of Denmark into a single kingdom. Another good use of technology is exhibited by Tim Lucas who writes, “There are more than 5 million Native Americans in the U.S. but only about 140 approved lenders. I created a Section 184 calculator that shows the required down payment, MI costs, and more. There’s also a flowchart and a ton of info about the program.” Thank you, Tim! Here’s some more good news: Ransomware victims are refusing to pay, impacting attackers’ profits. (Today’s podcast can be found here and this week’s is sponsored by Milestones. Giving homeowners an all-inclusive homeownership experience including home value and equity monitoring, home maintenance reminders and how-to articles, cloud-based document storage, one-click access to hire professionals for various projects around the home, and much more. Today’s has an interview with Milestones CEO Dustin Gray on turning leads and transactions into forever clients.)

Posted in: Refinance, Renting Tagged: 2, 2022, 2023, acquisition, action, active, advice, affordable, agents, aid, Alabama, All, AmeriHome, analysis, android, app, apple, Apps, author, automation, Bank, bank statement, Banking, banks, before, black, book, Broker, build, building, business, calculator, california, CEO, closing, Commentary, company, Competition, Compliance, Consumers, correspondent, cost, Credit, credit history, Credit Report, data, decades, design, desk, Digital mortgage, down payment, Economy, education, Employment, environment, equity, expectations, expense, experience, experts, fair housing, Fair housing laws, fed, Fees, FEMA, FHA, FHFA, fico, fico score, Finance, Financial Education, Financial Wize, FinancialWize, Fintech, Fitch Ratings, flooding, Florida, Freddie Mac, friendly, front, future, Giving, good, Google, great, Grow, growth, GSEs, history, holiday, home, home equity, Home maintenance, home value, homebuyer, Homebuyers, homeowners, homeownership, homeownership rate, house, Housing, housing finance, How To, Income, index, industry, Inflation, Inquiries, inspection, interest, interest rate, international, interview, inventories, Investing, investment, iOS, iPhone, irs, launch, Layoffs, Lead Generation, leadership, Learn, legacy, lenders, lending, list, loan, loan officers, Loans, Local, locks, low, LOWER, maintenance, Make, market, markets, MBA, MBS, mobile, Mobile App, modern, More, Mortgage, mortgage loan, Mortgage News, Mortgages, Moving, needs, new, new year, News, non-QM, offer, office, oldest, Opinion, panic, party, PennyMac, percent, Personal, plan, PMI, podcast, points, pool, president, products, Professionals, programs, projects, property, Purchase, quality, questions, rate, Rates, ratings, ready, Recession, Refinance, Reggora, Relationships, resolution, returns, Revenue, Review, right, risk, RMBS, ROI, running, safe, sales, save, Servicing, shares, single, Social Media, Software, space, Spending, storage, stress, summer, tax, tax returns, Technology, texas, the fed, time, timeline, title, tools, Travel, Twitter, under, united, United Wholesale Mortgage, update, updates, Urban Institute, USDA, UWM, VA, value, Venture Capital, volatility, volume, wells fargo, will, winter, wireless, work

Upstart Personal Loans Review 2023

January 31, 2023 by Brett Tams

Having trouble getting a personal loan to pay off your debt? Our Upstart loans review shows you how you could get a loan — even with less-than-perfect credit.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Posted in: Credit 101, Debt Tagged: 2, 2021, 2022, 2023, accessibility, active, Alabama, All, Alternatives, Applications, Appreciate, apr, assessment, average, Bank, bank account, Banking, banks, before, big, bills, borrowing, borrowing money, business, california, CEO, College, company, Competition, country, Credit, Credit Bureaus, credit history, credit score, credit scores, creditors, data, Debt, debt consolidation, decision, education, Employment, evergreen, expenses, faq, Financial Wize, FinancialWize, Fintech, Freebies, funds, good, great, green, health, history, Income, industry, Inquiries, interest, interest rate, interest rates, job, lenders, lending, Life, list, loan, Loans, low, Main, Make, market, military, money, More, Move, nebraska, new, offer, offers, Original, Origination, Other, payments, Personal, personal loan, Personal Loans, Purchase, questions, rate, Rates, ready, Refinance, repub, Research, Revenue, Review, right, risk, save, Save Money, security, SEO, single, social security, Technology, time, title, traditional, unique, upgrade, white, will

10 Great Ways To Gain Control Of Your Finances and Reach Financial Freedom

January 31, 2023 by Brett Tams

I’m sure many of you are wanting to achieve financial freedom in some form, and you probably have some money-related goals/resolutions for the future. I know I do! If you want to get ahead, stop living paycheck to paycheck, and/or you want to gain control of your finances so that you can learn how to achieve […]

The post 10 Great Ways To Gain Control Of Your Finances and Reach Financial Freedom appeared first on Making Sense Of Cents.

Posted in: Debt, Extra Income, Retirement, Starting A Family Tagged: 2, action, advice, All, Bank, bank accounts, big, bills, Budget, business, Buy, Calculators, car, Car Insurance, Career, cents, chocolate, company, create a budget, Credit, credit card, credit cards, Credit Report, credit score, data, Debt, earning, Emergency, Emergency Fund, expenses, Extra Income, Extra Money, Family, family budget, finances, Financial Freedom, financial independence, Financial Wize, FinancialWize, freedom, fund, funds, goal, goals, good, great, health, Health Insurance, helpful, Helpful tips, home, Home Insurance, How To, How to Make Money, improve your finances, Income, Inquiries, Insurance, interest, interest rate, investment, Learn, Life, life insurance, list, loan, Loans, low, LOWER, Make, make extra money, Make Money, Make money online, making, Mint, mint.com, Mistakes, money, money control, money tips, More, more money, Mortgage, Other, paycheck, paycheck to paycheck, Personal, photography, plan, points, poor, pretty, rate, rental, repair, resolutions, retire early, retirement, retirement accounts, save, Save Money, Saving, Saving for Retirement, saving money, Side Hustles, Spending, stock, stress, student, Student Loans, time, tips, title, tracking, wants, will, work, working

17 Best Online Jobs for Teens

January 30, 2023 by Brett Tams

If you’re a teenager and you need to make money, we have gathered a list of the best online jobs for you. I have to warn you that most online jobs are not “jobs” in the traditional sense. They don’t usually come with a flat hourly salary, a fixed schedule, or even direct supervision to […]

The post 17 Best Online Jobs for Teens appeared first on Good Financial Cents®.

Posted in: Mortgage Tips Tagged: 2, 2021, 2022, AAMS, Accredited Asset Management Specialist, advisor, All, Amazon, app, author, basic, before, big, Blog, Blogging, blue, book, build, building, business, Buy, car, Car Insurance, Career, cents, cleaning, color, commission, company, Compensation, cost, couple, craigslist, custom, customer service, data, deliveries, design, disclosure, doordash, driving, Earn money, earning, earnings, employer, Employment, entry, experience, Featured, Finance, Financial Advisor, Financial Freedom, Financial Wize, FinancialWize, food, Freebies, freedom, freelance, friendly, front, garage, garage sales, General, get started, gift, Gift Cards, gifts, gig, Giving, good, Google, government, Graphic, great, green, home, hourly, How To, ideas, Illinois, Inquiries, Insurance, interest, internet, Invest, investment, items, job, jobs, Learn, Legal, Life, list, Live, low, LOWER, lyft, Main, Make, Make Money, making, Making Money, market, Marketing, mobile, money, More, Motivation, new, offer, offers, opportunity, Other, paycheck, paypal, Permits, Personal, personal finance, plan, planner, Planning, podcast, points, policies, Popular, products, project, projects, Purchase, questions, Research, resume, retirement, Retirement Planning, Review, reward, rewards, rideshare, right, running, Salary, sales, science, search, searching, seasonal, SEC, self-employed, Self-employment, Sell, selling, single, Sites, Social Media, space, Spending, starbucks, Strategies, survey, surveys, thrift, time, traditional, Uber, under, unique, upgrade, virtual, virtual assistant, wealth, wealth management, Websites, will, work, working, working from home, young, youtube

Does Financing a Car Build Credit? How Car Loans Can Affect Your Credit Score

January 30, 2023 by Brett Tams

Does Financing a Car Build Credit? How Car Loans Affect Credit

If you’re like the millions of Americans who have an outstanding auto loan, you may be wondering how your car loan affects your credit. Applying for and having a car loan does affect your credit, as long as the loan is reported to one of the major credit bureaus. Like with most other debt obligations, […]

The post Does Financing a Car Build Credit? How Car Loans Can Affect Your Credit Score appeared first on SoFi.

Posted in: Financial Advisor Tagged: 2, active, active investing, advice, AllStud, AllZ, authorized user, Auto, auto loan, balance, Bank, bank account, bills, blue, brokerage, Budget, build, build credit, building, Building Credit, Buy, buyers, Buying, buying a car, car, car loan, car loans, cash back, Cash Back Rewards, cents, clear, color, Credit, Credit Bureaus, credit card, credit card account, credit card payments, credit cards, credit history, credit rating, credit repair, Credit Report, credit score, credit scores, credit utilization, cryptocurrency, Debt, Debt Repayment, Debts, design, down payment, Family Finances, faq, Financial Goals, financial tips, Financial Wize, FinancialWize, financing, FINRA, General, goals, good, great, health, healthy, history, How To, impact, Inquiries, interest, interest rate, interest rates, international, Invest, Investing, InvestZ, late payments, Law, Learn, lease, leasing, lenders, LLC, loan, Loans, LOWER, Make, making, mastercard, missed payments, missouri, Mistakes, money, MoneyGen, monthly budget, More, more money, Move, needs, new, offer, organization, Other, ownership, Paying Down Debt, payment history, payments, Personal, personal loan, points, products, Purchase, Raise, rate, Rates, ready, Refinance, rewards, right, risk, save, savings, Savings Account, securities, shares, sofi, Strategies, student, student loan, Style, the balance, time, tips, under, used car, will, work, working

Does Closing a Bank Account Hurt Your Credit Score?

January 30, 2023 by Brett Tams

Does closing a bank account hurt your credit score? Find out what you need to know about the effects of closing bank accounts on your credit.
Posted in: Credit 101 Tagged: 2022, Amount Of Money, apartment, app, Auto, bad credit, balance, Bank, bank account, bank accounts, Banking, banks, before, Buying, Buying a house, car, Checking Account, Checking Accounts, clear, closing, collecting, Collections, Consumer Financial Protection Bureau, Credit, Credit Bureaus, credit card, credit limit, Credit Report, Credit Reports, credit score, credit scores, credit union, credit utilization, credit utilization ratio, customer service, Debt, Debts, desk, driving, Equifax, experian, Fall, Fees, fico, fico score, finances, Financial Wize, FinancialWize, funds, good, good credit, health, history, house, How To, impact, Inquiries, Learn, liens, Life, lists, LOWER, Make, making, market, mistake, money, money market, money market accounts, More, Moving, new, Opening an Account, Other, overdraft fee, payment history, payments, Personal, protection, public records, renting, renting an apartment, rich, savings, Savings Account, streaming, Style, subscriptions, tax, tax liens, the balance, time, Transaction, TransUnion, under, will, woman

What Credit Score Do You Need to Get a Mortgage? Learn the Key FICO Thresholds

January 29, 2023 by Brett Tams

Mortgage Q&A: “What credit score do I need to get a mortgage?” If you’re thinking about purchasing a new home or refinancing an existing mortgage, you should know that your credit score is going to be a big factor. In fact, it can make or break your loan approval and carries the most weight when… Read More »What Credit Score Do You Need to Get a Mortgage? Learn the Key FICO Thresholds

The post What Credit Score Do You Need to Get a Mortgage? Learn the Key FICO Thresholds appeared first on The Truth About Mortgage.

Posted in: Mortgage Tips, Refinance, Renting Tagged: 2, 2022, 2023, active, All, ask, assets, Auto, auto loan, average credit score, banks, before, big, Borrow, borrowing, bucket, business, Cash-Out Refinance, chance, company, Consumers, Conventional Loans, Credit, credit bureau, Credit Bureaus, credit card, credit history, Credit Report, credit score, credit scores, creditors, Crisis, decision, down payment, Down payments, Equifax, existing, experian, Fannie Mae, Fannie Mae and Freddie Mac, FHA, FHA loans, FHFA, fico, fico score, Finance, Financial Wize, FinancialWize, financing, Freddie Mac, good, hindsight, history, hold, home, home loan, Home Loan Programs, home loans, How To, improvements, Income, industry, Inquiries, Insurance, interest, interest rate, interest rates, investors, Learn, lenders, LLPAs, loan, loan approval, loan pricing, loan programs, Loans, low, LOWER, Main, Make, making, mess, mistake, Mistakes, model, money, More, Mortgage, mortgage credit, mortgage lenders, mortgage loans, mortgage payment, MORTGAGE RATE, Mortgage Tips, Moving, new, new home, Other, payment history, payments, points, poor, pressure, programs, property, rate, Rates, Refinance, refinancing, rental, rental history, right, risk, save, shopping, Shopping for a mortgage, single, space, statistics, subprime mortgage, time, tips, title, town, traditional, TransUnion, upgrade, utilities, value, VantageScore, VantageScore 4.0, wells fargo, will, work, working

A century-old Craftsman in L.A. is used as a blueprint for a new ADU

January 28, 2023 by Brett Tams

Nestled behind a 100-year-old Craftsman in L.A., a 700-square-foot ADU mirrors the home’s period charm and provides housing for an office and extended family.

Posted in: Spending Money Wisely Tagged: 2, 2021, 2022, accessory dwelling unit, ad, All, Architecture, attic, Backyard, basic, bedroom, black, blueprint, brown, build, Built, buyers, california, cars, Children, city, Compound, construction, cooking, cost, couch, couple, covid, COVID-19, COVID-19 pandemic, crafts, custom, data, deck, desk, dining, driveway, existing, Family, Financial Wize, FinancialWize, floor, front, fruit, garage, garden, Google, guest, guests, hawaii, healthcare, historical, home, home buyers, home office, homes, house, Housing, Housing market, industry, Inquiries, install, kids, Lifestyle, Live, living room, Local, loft, low, Main, Make, man, market, modern, More, needs, new, new construction, offers, office, old home, Original, outdoor, pandemic, parents, plan, playground, porch, principal, quality, Rent, replica, Research, right, room, Saving, School, second, Sell, space, story, Style, summer, the west, time, transformation, value, white, will, windows, wood, work, work from home, working, Yard
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