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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

If you’re finally ready to start managing your finances on your own, you have to be careful to avoid the more obvious mistakes and pitfalls. Many, who are first getting out from under their parent’s finances, often get themselves into severe money troubles.

Career Planning

Are you looking to make more connections in your desired industry? Discover how to improve your professional networking skills and enhance relationships.

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Consumer Financing Issues

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.

If you’re trying to get a home loan to help you pay for a house, a condo, or any other type of dwelling that you wish to purchase, a mortgage broker can be hired to assist you in finding a mortgage that works for you.

At some point, you may need to buy a car. Perhaps adulting has hit you hard, and a car has become vital.

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

As prices for both new and used cars have continued to rise, you may be like many other drivers who are realizing the car they now own will probably need to stay on the road for a few more years.

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.

As prices for both new and used cars have continued to rise, you may be like many other drivers who are realizing the car they now own will probably need to stay on the road for a few more years.

Studying abroad is a once-in-a-lifetime opportunity that can change your life. Before you leap, though, you have to make sure it’s right for you and your goals.

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

As the days grow and the sun shines longer – you might start noticing dirt and streaks on your windows. It’s unpleasant, but it doesn’t have to be this way. With just a few easy tips and tricks, you can clean your windows like a pro – and your guttering too.

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

If you’re eager to buy a house of your own, it’s a good idea to make the effort to get your finances in order to make the purchase smoother.

As the days grow and the sun shines longer – you might start noticing dirt and streaks on your windows. It’s unpleasant, but it doesn’t have to be this way. With just a few easy tips and tricks, you can clean your windows like a pro – and your guttering too.

When you’re looking to sell your home, it’s important to get the best price possible. While there are many things you can do to increase your home’s value, one of the most important is pricing it correctly.

Are you planning to relocate to a new town and need to pack up all of your assets?? Train yourself on the ins and outs of common moving scams while hiring a moving company.

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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

When we think about homeless shelters, we need to think necessities. For those in need, we must ask the important questions to help sustain them when we can.

Business Services

Starting a new business can be extremely tough. It is true that the majority of new businesses fail. There can be many reasons for this.

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