Credit & Loans

  1. Forecasting Mortgage Rates: Buy, Sell Or Refi?

    Forecasting Mortgage Rates: Buy, Sell Or Refi?

    If you're paying off a mortgage or plan to buy a home, chances are you pay attention to where mortgage rates are heading. ...
  2. How To Reduce Holiday Debt

    How To Reduce Holiday Debt

    Holiday expenses can drown you in debt. Find out how to avoid this festive spending hangover.
  3. Debt Consolidation: When It Helps, When It Doesn't

    Debt Consolidation: When It Helps, When It Doesn't

    Here's the smart way to use a debt consolidation to get your financial life back on track
  4. What Do Credit Score Ranges Mean?

    What Do Credit Score Ranges Mean?

    Take a closer look at what credit scores in each range mean for your financial future.
  5. Does my debt-to-income (DTI) ratio affect my credit score?

    Does my debt-to-income (DTI) ratio affect my credit score?

    Though closely related, your debt-to-income ratio doesn't affect your credit score as directly as you might think.
  6. How do I lower my debt-to-income (DTI) ratio?

    How do I lower my debt-to-income (DTI) ratio?

    A debt-to-income ratio is a personal finance measure that compares the amount of debt you have to your overall income. Lenders ...
  7. What counts as

    What counts as "debts" and "income" when calculating my debt-to-income (DTI) ratio?

    It's important to know your debt-to-income ratio because it's the figure lenders use to measure your ability to repay the ...
  8. The Top Credit Reporting Bureaus: How Different?

    The Top Credit Reporting Bureaus: How Different?

    Consumers who compare their credit scores across the three agencies may find that the numbers don’t always match.
  9. 5 Good Reasons To Build A Career In Non-Profits

    5 Good Reasons To Build A Career In Non-Profits

    There's never been a better time to work in non-profits. The move makes sense at life stages from just starting out to looking ...
  10. Will getting a student loan deferral hurt my credit score?

    Will getting a student loan deferral hurt my credit score?

    You may not be able to afford to pay your student loans, but the long-term consequence to your credit score be disastrous.
  11. How does bouncing a check affect my credit score?

    How does bouncing a check affect my credit score?

    Learn the many indirect effects on your credit score when you bounce a check.
  12. How does my debt-to-income (DTI) ratio affect my ability to get a mortgage?

    How does my debt-to-income (DTI) ratio affect my ability to get a mortgage?

    Find out how much your debt-to-income ratio affects your ability to get a good mortgage rate when buying a home.
  13. Will having several credit cards hurt my credit score?

    Will having several credit cards hurt my credit score?

    The manner in which you use your credit cards may affect your credit score more than the number of credit cards you own will.
  14. What are the best ways to invest in mortgage-backed securities (MBS)?

    What are the best ways to invest in mortgage-backed securities (MBS)?

    Find out how you can start investing in real estate through mortgage-backed securities.
  15. Can I buy a house directly from Fannie Mae (FNMA)?

    Can I buy a house directly from Fannie Mae (FNMA)?

    Yes; you can buy homes directly from Fannie Mae. Fannie Mae (the Federal National Mortgage Association, or FNMA) is a government-sponsored ...
  16. How To Keep Debt Low

    How To Keep Debt Low

    Here's a breakdown of how you can stay out of debt or keep your debt low.
  17. Selling Your House? Avoid These Mistakes

    Selling Your House? Avoid These Mistakes

    Don't put the sale of your home at risk by committing one of these dirty deeds.
  18. Do-It-Yourself Projects To Boost Home Value

    Do-It-Yourself Projects To Boost Home Value

    These simple projects can add value to your property without taking too much out of your wallet.
  19. On average, what can I expect my private mortgage insurance (PMI) rate to be?

    On average, what can I expect my private mortgage insurance (PMI) rate to be?

    Learn the several factors that come into play when insurance companies determine the private mortgage insurance rate for ...
  20. Why do I need to pay private mortgage insurance (PMI)?

    Why do I need to pay private mortgage insurance (PMI)?

    The extra interest payments caused by private mortgage insurance may seem excessive, but there's a good reason lenders need ...
  21. What's considered to be a good debt-to-income (DTI) ratio?

    What's considered to be a good debt-to-income (DTI) ratio?

    Your debt-to-income ratio helps lenders determine your credit worthiness. Find out how to calculate your score and whether ...
  22. 7 Ways To Consolidate Debt

    7 Ways To Consolidate Debt

    Different loan sources to use when you consolidate debt.
  23. How does Fannie Mae (FNMA) make money?

    How does Fannie Mae (FNMA) make money?

    Fannie Mae is a government-sponsored enterprise (GSE) established in 1938 to expand the flow of mortgage money by creating ...
  24. 10 Ways To Improve Your Credit Report

    10 Ways To Improve Your Credit Report

    A good credit rating can make your life simpler in almost every way. Here's how to build up yours – and repair it if times ...
  25. Top Places To Get A Free Credit Score Or Report

    Top Places To Get A Free Credit Score Or Report

    When's the last time you checked your credit report? With all the hacking out there, don't wait for the car dealer to find ...
  26. How Visa Counts On Your Free-Spending Ways

    How Visa Counts On Your Free-Spending Ways

    The credit card transaction business is so profitable, Visa Inc. doesn't even bother lending money. Here's how they make ...
  27. Using Home Equity Loans For Debt Consolidation

    Using Home Equity Loans For Debt Consolidation

    A home equity loan or line of credit is a convenient way to consolidate debts, cut your interest rate and gain a tax deduction. ...
  28. Millennials: Prevent a Bad Credit Score

    Millennials: Prevent a Bad Credit Score

    Here are five ways to help prevent getting a bad credit score that could affect future loan, credit card or mortgage approvals.
  29. Credit Report Alert!

    Credit Report Alert!

    Chances are your credit report has mistakes – which could cost you hundreds a year in mortgage, car loan or credit card interest. ...
  30. How To Shop For Mortgage Rates

    How To Shop For Mortgage Rates

    Take these 5 steps to getting the lowest possible rate for your mortgage. Small percentage differences can mean big savings ...
  31. What Lenders Look At On Your Credit Report

    What Lenders Look At On Your Credit Report

    What do lenders consider when they look at your credit report? It’s a simple question with a complicated answer.
  32. Car Payments: 'Til Death Do Us Part

    Car Payments: 'Til Death Do Us Part

    Your car breaks down... You head to the dealership, ready to replace it with something more reliable. But the dealership ...
  33. What are the different types of private mortgage insurance (PMI)?

    What are the different types of private mortgage insurance (PMI)?

    Private mortgage insurance (PMI) is an insurance policy that protects lenders from the risk of default and foreclosure, and ...
  34. What's the difference between private mortgage insurance (PMI) and mortgage insurance ...

    What's the difference between private mortgage insurance (PMI) and mortgage insurance ...

    Private mortgage insurance (PMI) is an insurance policy used in conventional loans that protects lenders from the risk of ...
  35. How can I avoid paying private mortgage insurance (PMI)?

    How can I avoid paying private mortgage insurance (PMI)?

    Private mortgage insurance (PMI) is an insurance policy that protects lenders from the risk of default and foreclosure, and ...
  36. Applying For Credit Cards Affects Your Credit Score

    Applying For Credit Cards Affects Your Credit Score

    if you follow these simple rules, you should be able to refresh your plastic without causing a big hit to your score.
  37. 8 Reasons Not To Sell Your Home Without An Agent

    8 Reasons Not To Sell Your Home Without An Agent

    Is saving the seller's side of the agent's commission worth the trouble of selling your home without one? Why it could cost ...
  38. What's a better way to borrow money: overdraft or credit cards?

    What's a better way to borrow money: overdraft or credit cards?

    Overdraft and credit cards will allow you to spend more money than you have, but whichever option you choose, be sure to ...
  39. What are the pros and cons of overdraft protection?

    If you sign up for overdraft protection and link your checking account to your savings account, a credit card or an overdraft ...
  40. Should You Pay All Cash For Your Next Home?

    Should You Pay All Cash For Your Next Home?

    If you can afford to buy a home for all cash, is that the best way to invest your money? Here are the pros and cons.
  41. Seven Steps to Become Financially Independent

    With Independence Day just around the corner, now is the perfect time to finally set the goal of financial independence for ...
  42. Is An FHA Mortgage Still A Bargain?

    Is An FHA Mortgage Still A Bargain?

    If you're putting down less than 20%, the FHA's mortgage insurance premium could cost you more than private mortgage insurance ...
  43. How to Avoid Being the Victim of Auto Loan Rip-Offs

    It’s not easy being a car buyer. Unless you have the privilege of paying cash for a vehicle, you’re probably going to have ...
  44. Refinancing And Debt-Consolidation Checklist

    On the surface, refinancing a mortgage to consolidate other debts is a tempting option. However, there are potential drawbacks ...
  45. 5 Credit Card Traps That Will Ruin Your Summer Trip

    Summer vacations can be rejuvenating and refreshing, but also costly if you aren’t careful with how you use your credit card.
  46. 10 Surefire Signs You’ll Ruin Your Financial Life and Die With Debt

    For many Americans, debt is a way of life. Loans allow most Americans to pay for their cars, education, and houses. But how ...
  47. Should You Buy Or Build A Home?

    Should You Buy Or Build A Home?

    You're ready for a new house. Should you buy it or build it? Here's how to think through the pros and cons, whether it's ...
  48. Make Money Off Credit Card Sign-Up Bonuses

    Make Money Off Credit Card Sign-Up Bonuses

    It's easy to benefit from credit card sign-up bonuses, but you have to know what you're getting into.
  49. How To Get Rid Of Private Mortgage Insurance

    How To Get Rid Of Private Mortgage Insurance

    Private mortgage insurance benefits the lender (the sole beneficiary of PMI), but it can add a sizable chunk to your monthly ...
  50. 5 Ways To Get Maximum Student Financial Aid

    5 Ways To Get Maximum Student Financial Aid

    Getting the best possible package for a college fund depends on minimizing assets and maximizing the energy you use to find ...
Save Money
  1. 5 Ways To Make Your Home Remodels Pay Off

    Here are five ways to make your home renovation worth the money and effort you put into it.
  2. Differences Between Private Foundations And Public Charities

    Here's a look at the differences between these types of charitable organizations.
  3. How To Monetize Your YouTube Channel

    YouTube's Partner Program helps users earn money through their channels. Find out how.
  4. The World's Most Valuable Private Companies

    In spite of the rewards going public can bring, some companies prefer to remain private, and they are very successful in this.
  5. Is Cyber Monday The New Black Friday?

    Cyber Monday is becoming more popular than Black Friday. Here's why.
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