Posts by nick
Lift Your Spirits by Keeping a Neat, Clean Home
Does clutter or dirt around the house nag at you mentally, adding item after item to your to-do list? Have you ever noticed how much more relaxed you feel when you come home to a tidy house? Although there are those who believe that having a neat home isn’t one of the more important aspects…
Read MoreSneaky Expenses First Time Homebuyers Often Overlook
First time homebuyers are often seen as frivolous buyers that base their home buying decisions solely on emotions. While this may be true for some, this cliché need not apply to you. By doing your research and talking with the pros, you’ll be able to prevent overlooking sneaky expenses. And, you’ll be well on your…
Read More8 Strategies to Help You Purchase a Home With Poor Credit
While life is generally easier with good credit, it’s possible to purchase a home even if you’re credit is less than stellar. You might have to get a little creative and consider a few unconventional options, but there are options. Poor credit doesn’t have to mean a lifetime of renting. Try these strategies, even if…
Read MoreHow to Choose a Credit Counselor
Most Americans are only a few paychecks away from a serious financial challenge. We all have rent or mortgage payments. Add in cell phone, credit card, and utility bills that just keep coming every month, and many of us are living paycheck-to-paycheck, or nearly so. If you find yourself falling further and further behind financially,…
Read MoreA Guide to the USDA’s No-Money-Down Programs
The United States Department of Agriculture’s (USDA) mission is to foster rural development and build stronger communities in these areas. To this end, the USDA offers a couple of no-money-down mortgage programs designed to help low-income and middle-income families purchase a property in a rural area. Taking advantage of one of the programs offered by…
Read MoreTop Tips for Saving for a Down Payment on a House
Are you trying to save for a down payment on your dream house? A bigger down payment can make it easier to obtain a loan and reduce your monthly mortgage payments. If you’re trying to save for a down payment, consider these strategies: Set a down payment goal. It’s easier to save if you have…
Read More15 Small Moves That Can Lead to Big Savings
Most of us would like to establish an emergency fund or pay off student loans. Big goals are great, but they can also be intimidating. There are small steps that nearly anyone can take to lead to big savings. Small steps are more comfortable and believable. For example, a moderate diet is easier to follow…
Read MoreShould You Pay Off Your Mortgage Early?
If you’re paying a mortgage, at one time or another you’ve probably thought about what it would be like to pay it off. You’ve likely dreamed about living the life you desire, unfettered by the ball and chain of having to pay your loan payment every month. Before you make a decision, however, take a…
Read MoreConsidering Getting a Loan? Learn About Home Equity Loans
Home equity loans are quite simple to understand. It’s a loan that is secured by the equity that exists in your house or condominium. If you’ve ever heard the term “second mortgage,” you’re familiar with home equity loans. Home equity loans can be a great way to tap into your equity and put that value…
Read MoreAvoid These Mortgage Mistakes in Your Quest to Save Money
Although your mortgage can provide you with many avenues to save money, it’s wise to be aware of common mortgage mistakes. When you’re considering doing anything to alter how you establish and pay your mortgage, avoid the following hazards: Adjustable Rate Mortgages, known as “ARMs.” Although an ARM might save you a lot of money…
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