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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

Are you looking for ways to make money while you sleep? With a little bit of research and some strategic planning, you can earn passive income that requires minimal effort and yields consistent returns.

Career Planning

Most people don’t know how to maximize their learning potential. As a result, their education becomes a chore rather than an inspiring experience. Fortunately, there are steps you can take to become a more effective learner and make the most of your educational opportunities.

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Consumer Financing Issues

A cosigner can be a great asset when looking for a personal loan, especially if you have a poor credit record or a low credit score; as it increases your chances of getting a loan, securing a lower interest rate, and obtaining more significant loan amounts.

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

Are you struggling to make your loan payments each month? If so, a loan modification might be the answer.

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The Game of Life

A car is a big purchase, and there are a lot of things to consider before making your decision. Do you want a new or used car? What features are important to you? How much can you afford to spend?

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.

A car is a big purchase, and there are a lot of things to consider before making your decision. Do you want a new or used car? What features are important to you? How much can you afford to spend?

Typically, the end of the first semester of college is when students realize they may not be very well-organized. Often, the strategies students use in high school don’t cut it in college, where instructors expect you to remember all the due dates for projects on your own.

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 you’re building a new house, there are a few services that you need to have in order before the construction begins. From finding the right contractor to ensuring that your home is up to code, these five services will set you up for success.

If you’re building a new house, there are a few services that you need to have in order before the construction begins. From finding the right contractor to ensuring that your home is up to code, these five services will set you up for success.

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.

The benefits of flat roofs for commercial buildings are many and varied. From improved energy efficiency to better drainage, flat roofs offer a number of advantages over traditional pitched roofs.

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.

You’ve outgrown your parents’ home and are ready for the next chapter in your life. To help you take the next steps forward, here’s how to prepare to move out of your parents’ house.

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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

Women’s History Month is a great time of year to brush up on your knowledge about women in today’s world. Let’s find ways to honor them appropriately.

Business Services

However, you should try to make sure it’s worth the money you put into it. If you’re looking to enrich

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