pixel

About Money

You can still cut your spending without decreasing the quality of life. In this article, I will walk you through

Career Planning

Most people started their carriers through such internships. A successful internship experience can provide you with many opportunities. However, going

pixel

Consumer Financing Issues

Continuing from part 1: A word of caution – many people misuse their low rate credit cards in impulse spending,

Continuing from part 1: A word of caution – many people misuse their low rate credit cards in impulse spending,

You may be buying your first home and feel overwhelmed by the technical language of the real estate industry. Or

Loan officers are frequently hired by banks, mortgage companies, and other finance companies to provide consumer and business loans to

Should older students max out financial aid? Or pay as much as possible out of pocket? For students returning to

renovation note

Consumer Financing Needs

home contractor
Current Lending Rates
get lending rate shopping sheet

home contractor
What's Need to Qualify for Financing
Lenders use several criteria to qualify an applicant for home or financing financing. The most important criteria include:
1) the home/or auto appraisal:
the appraisal is the value of the asset (home or auto) that is being financed. You can borrow up to the appraised value of the home or auto.
Get your home valuation report
2) your credit rating:
your credit report is used by banks and other lending institutions to determine your credit worthiness. The report can be a factor in a lending institution's decision to approve or decline your application. You should review your credit report for any errors before applying for a loan.
View your credit report
Get your FICO score
3) your capacity to repay (income ratios):
lenders analyze two ratios when qualifying the applicant for financing - the "housing ratio" and the "debt-to-income" ratio. If these ratios are too high, you may not qualify for financing.
Calculate your income and debt ratios
Calculate how much you can afford
4) your employment:
lenders like to see applicants in good, steady employment. Lenders will verify your income with your employer or your filed tax statements.
Look for new employment if necessary

end remodeling note

Managing Your Credit

Or some people will tackle credit repair by filing bankruptcy, which defeats the purpose and will hold you back from

Taking Care of Debt

Both bankruptcy and a consumer proposal are legally binding actions and must therefore be filed exclusively by a licensed insolvency

pixel

The Game of Life

It is unfortunately common for people to feel scammed or duped by the car buying process in many ways, and

Many people give up on their dreams and aspirations once kids come along. Endless sleepless nights, crying babies, restless toddlers,

Here is how social media is helping the finance industry. Connecting with audience Social media platforms like Facebook, Twitter, and

pixel

About Home

Money saving with real estate could sound like a dichotomy. Developing or owning real estate is money intensive and demands

Fortunately, there are some easy steps that you can take to improve the look of your home without having to

Below are four tips to help make selling your house go more smoothly. Price Matters Pricing matters to both you

renovation note

Life-Event Centers

home contractor
Helping You Make Life Decisions
For Education (open new win)
College Planning Center
College Campus BLOG
College Financial Aid

home contractor
Helping You Make Life Decisions
For Education (open new win)
Home Remodeling / Home Improvement
Home Construction / Building
Home Buying
Home Selling

home contractor
Helping You Make Life Decisions
For the Auto-Travel-Business (open new win)
Auto Buying
Making Travel
Buying a Business

end renovation note

Consumer Tips

Spend A Week In The Wilderness Oftentimes there are dozens of state, local or national parks within a few hours’

Business Services

Succeeding with a start-up or with your own business is an incredible achievement, and one that takes an immense amount

pixel

pixel

Weekly Sunday Tips

Read More

You know the adage: “Too many dollars chasing too few goods” You might consider stocking up on food to have

Reason: Credit Card Debts Are Increasing So if your card is being axed, it’s time to look for a new