Unforeseen expenses can pop up even if you’re well prepared. Events like a medical emergency, car accident or job loss can all affect your personal finances and make it difficult to cover monthly bills – especially if you don’t have an emergency fund. Fortunately, many financial institutions offer hardship loans that help people through challenging
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Could you use some extra cash in your bank account – quickly? If you’ve had credit issues or money problems in the past, you might be considering a direct deposit loan. When you need money in a pinch, these quick-turnaround loans give you access to cash fast – but you pay dearly in astronomical interest
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When you’re home shopping, there’s a lot to consider – and see. If you’re the “dinner, then dessert” type, your priority will likely be to confirm that the homes you’re interested in have good foundations and are structurally sound.  Next, you’ll dive into dessert: the aesthetics, weighing the pros and cons of the architectural styles
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If you qualify for an FHA loan, but you can’t find or don’t want a traditional house, you could opt for a condominium. Like houses, condos need to be approved by the Federal Housing Administration (FHA) before they’re added to the official list of FHA-approved properties. This means you’ll need to pick from available FHA-approved
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Are you stuck with a mortgage that no longer works for you? Maybe your interest rate is too high, or you’re struggling to make your monthly mortgage payments. Maybe interest rates are falling or your credit score is rising, and you want a better deal.  No matter the reason, refinancing your mortgage could be the
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When you’re searching for your next home, a fully renovated property can be pretty appealing. But if you want to use a Federal Housing Administration (FHA) loan to purchase a recently renovated property, you might run into some trouble getting your financing approved. Even if you have excellent credit and enough cash for a sizable
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Before home buyers can get to the part when the seller’s agent hands over the keys to their new home, they probably start their home buying journey with one question: Is now a good time to buy a house? While the question might look simple – the answer isn’t. From your personal goals and finances
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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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