Credit card debt is a part of life for many people. Whether it’s unexpected expenses or just a balance that grew over time, you’re not alone in looking for ways to pay it down quickly. The good news? You have options to pay it down faster and regain financial peace of mind. Making a payoff…
Buying a home can be a milestone moment in your life. But working through the process of buying a home — including how to get a mortgage — can feel overwhelming. This is especially true if you’re a first-time home buyer. With so many steps in the process, from strengthening your credit score to locking…
Before you purchase a home, it’s important to know how much your mortgage will cost you — it’s more than what you borrow. If you’re buying a home with a high interest rate, you’ll want to shop around to find your best rate, and you should compare how much interest you’ll pay with each mortgage…
How much of your home do you really own? And how much cash could you tap into if you needed it? That’s what your home equity can tell you. Whether you’re thinking about a kitchen upgrade, knocking out credit card debt, or investing in your education, your home equity could help you pay for it….
Figuring out your home budget is the first real step in buying a home. Before you browse listings or visit open houses, it’s smart to get a personalized estimate of how much home you can afford. Knowing your budget upfront helps you focus on homes within your price range — and avoid the frustration…
Refinancing your mortgage is a strategic move that can put you, as a homeowner, in better control of your financial future. A refinance can lower your interest rate, reduce your monthly payments, enable you to drop your mortgage insurance, or even provide cash for home improvements and other expenses. With the right timing and the…
Owning a home has many benefits, including the flexibility to use your home’s value to access cash. When homeowners need to borrow money, two popular options are home equity loans and cash-out refinances. While both of these loans let you borrow against the equity you’ve built up in your home, they each work a little…
For some Americans, debt is more than a number — it’s a source of real emotional strain. But even in the face of financial stress, some homeowners are discovering effective strategies to take control of their finances. A recent AmeriSave survey found that more than half of America’s homeowners experience anxiety from simply following current…
Mortgage points are a good idea for many home buyers, though not everyone can benefit from them and for some, they may not make good financial sense. With a bit of understanding and some quick math, you can determine if buying points is a good strategy for you. Buying mortgage points can help you earn…
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