Mortgages come in a variety of proverbial flavors. There are short-term mortgages, long-term mortgages, mortgages with variable rates and mortgages with fixed rates. The varieties are endless – and as anyone who has spent time in an ice cream shop knows – it can be challenging to decide on the flavor you want. If you’re
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Student loans can be used to pay for rent. Additionally, you can use funds from student loans to pay for other living expenses, like food and transportation.  However, there are some limitations you should know. So in this article, we’ll take a deep dive into what you can do with your student loan and how
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Are you ready to purchase a home but worry you may not qualify for a mortgage? Have you considered the FHA’s adjustable-rate mortgage (ARM)? The FHA ARM (which is insured by the Federal Housing Administration) may be the loan that makes your home buying dreams a reality. The credit score and down payment requirements for
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Buying a home can be an expensive pursuit. Fortunately, there are strategies you can take advantage of to lower your home buying costs.  If you are an aspiring home buyer with a low- to moderate-income, you should explore the different loan options at your disposal. If you’re struggling to qualify for a conventional mortgage because
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Find out what you can afford. Research what your monthly payment might look like with our intuitive mortgage calculator. The VA loan program is one of the best ways for qualified service members, veterans and surviving spouses to become successful home buyers. VA loans make home loans accessible and offer some of the most competitive
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In the United States, there are many different paths to homeownership. One of the most common ways to buy a home – especially if you can’t make a huge down payment – is with help from the Federal Housing Administration (FHA). Established after the Great Depression, the FHA offers a variety of programs to help
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Qualifying service members, veterans or surviving spouses turn to VA loans to help make buying a home less expensive and becoming a homeowner more affordable. With a VA loan in hand, borrowers can close on a new home without a substantial amount of money upfront.  One of the biggest benefits of a VA loan is
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An energy-efficient home can bring you comfort and cost savings. The first step to improving your home’s energy efficiency is insulating your walls and other areas prone to losing heat. Today, new-construction homes have plenty of insulation and other energy-efficient features. But this wasn’t always the case. Older homes may have little or no insulation,
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While most people buy a house under their own name, there are those who choose to purchase real estate with a Limited Liability Company (LLC). Buying a house under an LLC is something you might consider if you want to limit your liability exposure, conceal your identity as a homeowner or separate your business and
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After years of studying to begin a career as a medical professional, you’d think getting a mortgage would be a breeze. Unfortunately, many doctors come out of medical school with a significant amount of debt and a more modest income than seasoned physicians.  This large debt-to-income (DTI) ratio can make it harder for doctors looking
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Have you been thinking about going solar? You’ve seen the commercials and are excited by the prospect of joining the renewable energy revolution, lowering your electric bills and doing your part to save the environment. But you can’t greenlight the purchase yet because you don’t know whether to lease or buy solar panels. It’s a
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Like many Americans, U.S. military veterans and active duty service members may want to purchase an investment property. After all, real estate has proven to be one of the most lucrative investment opportunities.  As an added bonus, service members and veterans get access to VA loans, which often come with more favorable terms and fewer
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This may not be a universal anxiety, but most of us don’t like to think or talk about dying. It can be an undeniably uncomfortable topic. So we’re going to focus on our legacies. For some of us, there is comfort in knowing we can leave behind property for our children or relatives to use
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Between cash back, credit card points and travel miles, customer rewards have become a popular way to save money and drive business. If you’ve racked up rewards points you’re ready to spend, you might be wondering if you need to declare them on your taxes. Generally, you won’t be required to pay taxes on credit
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