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Financing Guides

There are all types of consumer financing. There are home purchase loans, mortgage refi, auto loans, student loans, credit cards and more. Before you apply, get educated.

Home loans include purchase mortgages, home refi and home equity lending. These loans are secured by the value of the your home asset

Auto loans for new and used vehicles. Student loans have both federal and private loans. Debt relief helps to reduce monthly debt payments.

The most common form of financing is credit cards. Learn how to use them wisely without going into debt.

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About Money

While a few people get their flair for entrepreneurship much earlier in life, the drive to make money often kicks in at full throttle during college. This may be born out of the need to financially support themselves through school, be able to buy their first used car, or just be able to make money.

Career Planning

There are plenty of benefits to working in healthcare—the prestige, the salary, and, most importantly, the knowledge that you’re saving lives.

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Consumer Financing Issues

Looking for a First Time Home Buyer Loan can be both frustrating and exhilarating, so it is no wonder that so many people wish they could have as much information as possible, before beginning the application process.

Looking for a First Time Home Buyer Loan can be both frustrating and exhilarating, so it is no wonder that so many people wish they could have as much information as possible, before beginning the application process.

Compared to automobile loans, boat loans have a fixed rate term loan on which you make payments for a defined duration.

College life is fun but not from the financial perspective, particularly if you don’t have a scholarship. Expenses are often high, whether it is about tuition fees, housing or additional activities.

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Consumer Financing Needs

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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

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Managing Your Credit

There’s no number in your life quite as important as your credit score.

Taking Care of Debt

Are you trying to find out what to do if you find yourself in debt? If so, you are in the same boat as many other Americans.

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The Game of Life

High vehicle occupancy lanes, also referred to as carpool lanes, have been built across 20 states in the United States.

High vehicle occupancy lanes, also referred to as carpool lanes, have been built across 20 states in the United States.

Choosing your further education is a huge, crucial step for your future. Not only do you want to seek the right degree course, but you also want to achieve it in an institution you can trust and enjoy.

It’s undeniable that social media presence plays a key role in the prestige and renown of any Australian business in 2018.

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About Home

As the weather begins to cool during the fall months, homeowners should begin thinking about preparing their homes for the winter.

Fortunately, there are several tips that can be followed that could help you to save money when you are trying

Owning a home is the pillar of almost every American dream. Buying a home is classified as an investment because it enables you to save a considerable sum of money.

Every homeowner would like to sell their home quickly for a great price. However, in reality, one must introduce changes and play their cards smart to gain great profit when selling their real estate.

When going through a move, one of your primary concerns is the safety of your items. Having your things packed properly and transported securely to your new home is much easier said than done.

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Life-Event Centers

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

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

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

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Consumer Tips

COVID-19 began earlier this year with roots overseas before finding its way to America. From the moment the country shut down and the lockdowns, restrictions, and bans began, the US economy was changed forever. What a year it’s been since.

Business Services

Are you ready to start your business? There are a number of important things that should be in place even before you open your doors to the public.

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