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- US Senate Introduces New Initiatives to Encourage Refinancing
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Senior Citizens Increasingly Saddled By Student Loan Debt
Wow, I would never have expected this: many senior citizens are buried in student loan debt, causing many to have their Social Security checks garnished for student loans that are often decades old. Is this your dream for your golden years? It certainly isn’t mine. Continue reading
OnlineCollege.org: The Surprising Side Effects of Rising College Costs
OnlineCollege.org has a great infographic that builds on the theme of my post last week about how a growing student loan burden impacts important life decisions of college graduates. Because of high student debt loads, college graduates are having to delay important life milestones such as getting married, buying a home, and having children. Continue reading
Are Student Loans The Next Debt Bubble?
Thanks to skyrocketing college costs, more students are graduating with large amounts of student debt that will restrict their financial freedom for many years to come. As of late last year, total student loan debt in the United States eclipsed credit card debt – and the burden is continuing to grow. Might student loan debt be the next big bubble to burst? I think so. Continue reading
Homeowners Insurance Companies: Charging More and Covering Less
SmartMoney is reporting that insurance companies are cutting back coverage and raising premiums for many homeowners insurance policies thanks to a spate of natural disasters over the last few years. Continue reading
Posted in Mortgage & Homeownership
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How Can I Get a House Part 3: Preparing Your Finances By Paying Off Debt
This post is part 3 in a series of posts entitled “How Can I Get a House” that outlines the basics of how to become a homeowner, including preparing your finances, your credit, the mortgage process, and working with real estate agents.
Homeownership is a great goal to have and rewarding once you achieve it, but it’s also a big financial commitment. When you’re a renter, you don’t need to worry about fixing the plumbing, replacing the boiler or AC unit, or replacing the garage door. However, when you graduate from renting to homeownership, these expenses become your responsibility – in addition to your mortgage payment and all the other unexpected expenses that life throws at you. This is why it’s important that you prepare financially for the new responsibility you’re about to take on. Continue reading
How Can I Get a House Part 1: Should I Buy a House Now?
This post is part 1 in a series of posts entitled “How Can I Get a House” that outlines the basics of how to become a homeowner. Congratulations on taking the first steps to becoming a homeowner! Becoming a homeowner is one of the biggest steps you’ll take in your life, and I think you’ll find that it provides a lot of great benefits, including pride of ownership, the opportunity to build equity and wealth, great tax write offs, and the ability to decorate as you like – which I’m sure you can really appreciate if you’re currently renting!
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Posted in Mortgage & Homeownership, Mortgage Lending
Tagged How Can I Get a House, Real Estate
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How to Rebuild Your Credit After a Bankruptcy or Foreclosure
If you’ve been through a major financial crisis like a foreclosure or bankruptcy, it’s a good bet that your credit scores have suffered substantially. Though time will gradually “heal” much of the damage to your credit scores, it’s important that you clean up any lingering issues in your credit file and reestablish your credit history with good habits. The sooner you do this, the more easily you’ll be able to qualify for a new mortgage down the road. Continue reading
High Student Loan Debt to Delay Homeownership for Many
Student loan debt is a topic I’ve addressed off and on because it’s a serious financial burden that younger generations will be contending with for many years to come. This burden likely will mean many young people will be forced to delay one of life’s biggest milestones: first-time homeownership. Continue reading
How to Pay Off a Mortgage Years Early and Save Thousands In Interest
If you’re looking for a few ideas about how to pay off a mortgage years early and save thousands (or tens of thousands) of dollars in interest, you’re in the right place – and you’ve got the right idea! Mortgage interest is probably one of the largest expenses you’ll ever pay in your lifetime, so it’s to your benefit to learn how to pay off a mortgage early so you can keep as much of that interest in your pocket instead of sending it to your lender. Continue reading
