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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

We live in a world of constant innovation. These changes are especially visible in the professional sphere. Theres a service or a tool for almost every aspect of your day-to-day work. All you have to do is choose the right ones.

Career Planning

In an era where artificial intelligence is swiftly carving its imprint on the modern workforce, it’s crucial to understand which jobs are most at risk and, conversely, which stand to benefit from AI technologies.

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Consumer Financing Issues

Dreaming of that perfect beach vacation or a cross-country road trip but lacking the funds to make it happen?

Credit cards have become ubiquitous in modern society. From online shopping to everyday purchases, using a credit card has become the norm for many people.

Purchasing a home is a significant financial commitment that requires careful planning and preparation. One of the crucial aspects that potential homeowners need to consider is their credit score.

Dreaming of that perfect beach vacation or a cross-country road trip but lacking the funds to make it happen?

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

Having a good credit score is essential for obtaining financing and getting the best interest rates. It can also make it easier to get approved for loans, mortgages, and other forms of credit.

Taking Care of Debt

In today’s economic landscape, managing debt has become a common challenge for many. High-interest rates can exacerbate this issue, causing what may initially seem like a manageable debt to quickly spiral out of control.

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The Game of Life

Have you been considering taking on a car restoration? This hobby isn’t cheap. Check out this blog to explore how to financially plan for a restoration.

As the year draws to a close, we often find ourselves contemplating what the next year will bring. It’s during this period of reflection and anticipation that the concept of New Year resolutions comes into the picture.

Have you been considering taking on a car restoration? This hobby isn’t cheap. Check out this blog to explore how to financially plan for a restoration.

Embarking on a college education is often accompanied by the heavy weight of financial responsibilities, notably in the form of student loans.

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

Recognising an opportunity for an investment is a valuable skill. It takes a trained eye, quick analysis of additional investment and risk management skills to be successful in house flipping. It’s not just about buying a house, upgrading it a bit and selling it. Even though house flipping is simple as a concept, it’s not that easy.

Setting up a construction site requires a bit more detailed work than many realize. Here are some things you must do to prepare the area properly.

Recognising an opportunity for an investment is a valuable skill. It takes a trained eye, quick analysis of additional investment and risk management skills to be successful in house flipping. It’s not just about buying a house, upgrading it a bit and selling it. Even though house flipping is simple as a concept, it’s not that easy.

Are you looking to save money on your energy bills while also improving the comfort and efficiency of your home? One great way to achieve both of these goals is by properly sealing and insulating your ductwork.

Selling a home can be a daunting task, often involving time-consuming processes and uncertainties. However, an alternative approach to gaining popularity in the real estate market is selling to cash buyers.

Relocating to a new home is an incredibly exciting milestone in life. It signifies new beginnings and fresh opportunities. However, it can also be a complex process that requires meticulous planning and organization to ensure a smooth transition.

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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

Being financially savvy is a skill that you can master with proper education and practice. Here are key money lessons that will last for your entire lifetime.

Business Services

Do you dream of creating a vibrant and bustling commercial space in your community? Well, look no further because we’ve

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