Thinking of Refinancing?

Thinking of Refinancing?

Here’s what you should know about Refinancing Whatever you do, please make sure you’re actually going to save some money before you refinance for a lower rate. We are currently in a time of record low interest rates compared to just a few years ago. If you...
Understanding Your Credit Report

Understanding Your Credit Report

What is a Credit Report? A credit report is a history of how consistently you pay your financial obligations over time. It is created when you first borrow money or apply for credit. The companies that lend or collect money or issue credit cards (banks, finance...
Smart Ways to Use Your Tax Refund

Smart Ways to Use Your Tax Refund

Instead of spending your tax refund on consumer goods that have virtually zero value as soon as you get them home, consider using that money to help create future financial security. Here are a few smart ways to use your tax refund:   Pay down credit card debt.  If...
Get Rid of Your Holiday Debt Hangover

Get Rid of Your Holiday Debt Hangover

Oh the Holiday Debt Hangover! The downside of last month’s festivity and generosity is this month’s credit card bills. You may suddenly be looking at some huge balances with no idea how to pay them off. And what’s worse, you’ll be paying anywhere from 10-20% interest...
What are Closing Costs?

What are Closing Costs?

Your mortgage is just one of the many expenses when purchasing a home. There are also a number of closing costs you must pay upfront, usually before you move in. Closing costs are the legal and administrative fees and disbursements associated with buying your home....