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About Money
Did you know that credit scores influence SR-22 insurance costs? Find out how you can lower your premiums while meeting high-risk requirements.
Practical Steps to Create Financial Peace of Mind and Confidence
January 5, 2025Start-Up ROI: How To Prioritize Investments
December 19, 2024Career Planning
A cosmetologist? Or an esthetician? Which role is right for you in the beauty industry? Learn about their differences and find your passion.
Safety Tips When Operating a Wood Chipper
October 21, 2024Navigating the Rising Tide of Unemployment with Confidence
October 11, 2024
Consumer Financing Issues
Credit Cards 101: How to Master Your Financial Arsenal
October 21, 2024Borrowing Money Wisely with Confidence and Clarity
October 18, 2024Credit Cards 101: How to Master Your Financial Arsenal
October 21, 2024What Credit Score Do You Need To Buy A House?
September 18, 2023Money Saving Methods on Home Loans
August 9, 2023Are Credit Unions Good for Mortgages?
July 26, 2023Demystifying Recreational Loans 101- When and How to Apply
January 22, 20245 Different Kinds of Loans and Their Upsides
November 29, 20237 Smart Income Ideas For College Students
September 30, 2019The Ultimate Cheat Sheet on Searching for Scholarships!
July 30, 2018Five Things You Need to Know About Scholarships
December 20, 2017
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. |
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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. |
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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. |
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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. |
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Managing Your Credit
In today’s digital age, identity theft has become an alarmingly common issue that affects consumers and small businesses alike.
Cracking the Credit Code What Makes a Good Credit Score
September 16, 2024Strategies To Increase Your Credit Score
August 4, 20235 Steps to Take When Building Your Credit Score
January 24, 2022Taking Care of Debt
If you’re renting and filing for bankruptcy, you probably have questions about your rights as a tenant. This blog will explore your tenant rights.
Smart Ways to Reduce High Interest Rates on Debt
August 21, 2023
The Game of Life
Steering into Tomorrow The Transformative Journey of Self-Driving Cars
September 13, 2024Higher Learning: What To Know When Applying for College
July 30, 2024Setting New Year Resolutions: A Guide to Making and Keeping Your Goals
December 29, 2023Achieve More With Less: The Art of Time Management
December 19, 20235 Effective Ways To Help You Stay Focused at Work
April 6, 2023How To Financially Plan for a Car Restoration
March 20, 2024Getting Help To Ease the Financial Burdens of a Car Accident
February 26, 2024Why Being a Safe Driver Is Good for Your Wallet
January 16, 2024Charting a Course Toward Financial Freedom in College
February 16, 2024Organization Tips for New College Undergraduates
December 6, 20225 Best Secondhand Items To Buy For College
August 29, 2022The 7 Best Android Apps For Students
March 25, 20225 Benefits of Social Media Monitoring
November 30, 20183 Social Media Marketing Habits for Career/Business Growth in 2018
February 21, 2018
About Home
Charting the Course: Navigating Your Path to Homeownership
December 30, 2024Understanding the Services of Custom Granny Flat Builders
December 27, 2024How To Properly Prepare a Construction Site
February 8, 2024The Importance of Building Surveying Services
April 4, 2023Charting the Course: Navigating Your Path to Homeownership
December 30, 2024What Contractors Need To Know About Skylights
August 19, 2024How To Balance Beauty and Function in Your Home Renovation
August 19, 2024Essential Factors for Selling Your Home Successfully
January 15, 2024Why Spring is the Best Time to Sell Your Home
January 8, 2024How To Handle Unexpected Challenges During a Move
November 11, 2024How to Finance a Relocation for School or University
November 1, 2024State-to-State Strategy: Your Ultimate Guide to Relocating
October 14, 2024
Life-Event Centers
Helping You Make Life Decisions | ||||||
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Helping You Make Life Decisions | ||||||||
For Education (open new win) | ||||||||
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Helping You Make Life Decisions | ||||||
For the Auto-Travel-Business (open new win) | ||||||
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Consumer Tips
As anyone who has navigated the emotional whirlpool of a custody battle would attest, these are tricky grounds to tread. It’s the legal equivalent of a robust New York cheesecake – complex, weighty, and laden with layers of challenges.
Rediscovering Fitness Walking as a Fun and Accessible Exercise
November 11, 2024Stories of the Divine A Journey into the Existence of God
September 25, 2024How Emergency Crews Can Help With Disaster Cleanup
September 24, 2024Business Services
If you’re looking for waste management strategies for grocery stores, these four ideas will help you without overhauling your entire operation.
Understanding Commercial Property Valuations
January 9, 20256 Ways Business Owners Can Reduce Office Space Expenses
December 23, 2024How to Increase Your Commercial Property’s Value
December 20, 2024