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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

Robinhood exploded onto the investing landscape in 2013, giving younger and more inexperienced stock traders the ability to easily buy stocks via a simple app and with free stock trades.

Career Planning

If you plan on living alone as you get older, there are some problems that can occur within your home that you should be aware of. We cover the main ones here.

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Consumer Financing Issues

In recent years, millions of Americans have struggled with making their mortgage payments. Fortunately, there are a variety of programs available that can help, including a mortgage modification.

In recent years, millions of Americans have struggled with making their mortgage payments. Fortunately, there are a variety of programs available that can help, including a mortgage modification.

You can utilize a credit or debit card to obtain the money for your auto loan if your line of credit is strong enough. But is that smart?

If you’re a college student who needs some extra cash, you can take on a side job that will help you get the money to pay for tuition, food, and other college-related expenses.

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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

To live your best financial life, you must have good credit. However, if you’re establishing credit for the first time, you may be unsure where to begin.

Taking Care of Debt

Some things are worth borrowing for, while others are not so much. What’s the difference between good debt and bad debt, you ask? Learn more below.

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The Game of Life

College life doesn’t have to be minimalist if you make good buying decisions. Students should consider making second-hand items their first choice when it comes to college purchases.

If you are like most people, you most likely put up more hours when you have a lot to do in a day. Yet at the end of the day, you still have items to tick off your to-do list and still feel unaccomplished.

Electric vehicles are steadily rising in popularity, but misinformation about them is common. Here’s what you should know about electric vehicles.

College life doesn’t have to be minimalist if you make good buying decisions. Students should consider making second-hand items their first choice when it comes to college purchases.

We’re sure you’ve got Snapchat, Facebook, Instagram and other similar apps on your smartphone. However, do you know that there are numerous Android Apps for students available in Google Play Store that could help them get organized

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About Home

If your family’s home is older, it will likely need a few repairs. Some repairs, such as nail holes in the walls and faded paint are obvious, and easy to fix yourself. But, more serious damage is not always as obvious and requires a licensed professional to repair them.

Looking for the home of your dreams? What if you built that home instead? Having a home custom-built is the only way to make sure every single detail of a home is just right for you, from the very start.

Breaking free of debt can be a challenge if it has been something you’ve had to contend with for a long time. But it is possible to do, especially if you want to build up finances eventually to buy your own home.

If your family’s home is older, it will likely need a few repairs. Some repairs, such as nail holes in the walls and faded paint are obvious, and easy to fix yourself. But, more serious damage is not always as obvious and requires a licensed professional to repair them.

Selling and connecting with people is fulfilling and a great way to both fill your pocket and disperse assets. While no selling gig goes flawlessly, there are steps you can take to ensure you have the best chance possible of getting a sale you both can be happy with.

Maybe you’re headed to college or maybe you’re moving out for work, love, or travel. Whatever your reasons for leaving your parents’ house, it’;s important to be properly prepared.

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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

Parents are always looking for the best way to help their children succeed. One option that is gaining popularity is encouraging children to study abroad.

Best Tips to Quit Smoking

Best Tips to Quit Smoking

  September 15, 2022

Business Services

Commercial loan modifications are becoming more common as businesses struggle to make their monthly payments. If you are one of the many business owners thinking about modifying a commercial loan, you should know a few things about the process.

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