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Author page: John Wilkinson

HomeAuthor page: John Wilkinson

John Wilkinson

John is a long-time writer on consumer financial topics with excerpts and articles found in many of the top financial news producers. Born in Boulder, CO he now resides in San Diego, CA.

53 articles published

Home Insurance

What’s not covered by a standard home insurance policy?

The standard homeowners insurance policy, also known as an HO-3, covers your home for multiple perils, but there are some important exclusions. Knowing what's covered and what isn't can save you a lot of money and heartache down the line. Earthquake and water damage In most states, earthquakes, sinkholes, and other earth movements are not covered by…

September 15, 20240Comments

ByJohn Wilkinson

Mortgage

Common Mortgage Terms You’ll Hear When Buying or Refinancing a Home

When buying or refinancing a home you will hear many terms, some of which might be unfamiliar to you. Understanding these terms will help you complete your purchase or refinance more efficiently and with less stress. Here, we will break down the specifics of mortgages and refinancing your home and familiarize you with the terms…

September 14, 20240Comments

ByJohn Wilkinson

Why Do My Car Insurance Rates Never Go Down?

A couple of days ago I received a notice from my auto insurance provider that my policy was about to renew. My coverage would stay the same, I've had no accidents, tickets, or claims of any kind, but my rate went up by $12 / month. Shouldn't My Rate Go Down? The vehicles in my…

September 12, 20240Comments

ByJohn Wilkinson

Personal Finance

Tech Stocks Are Falling… is the end of the boom?

Doomsayers like Jim Cramer are begging 'Robinhood Millionaires' to realize their gains and pull out... is he right? The Majority Of The Market Is Already In A Recession While we've seen record numbers from the DOW we can pretty quickly see that the majority of the market has dipped since March, being propped up by…

September 8, 20240Comments

ByJohn Wilkinson

Mortgage

The Fed Has Bailed Out The Mortgage Market With Over 1 Trillion Dollars

In the largest bailout since the Great Recession, the Fed has bought $1 Trillion in mortgage bonds, expected to eclipse 34% of the market by years end. Does This Help Me? This action was a drastic attempt at stabilizing the refinance market to allow homeowners to 'get a raise' by refinancing at a lower rate.…

September 2, 20240Comments

ByJohn Wilkinson

Mortgage Mortgage Companies

Comparing Top Mortgage Services

Looking for the best mortgage services to finance your home? We’ve got the scoop on some of the top-rated names in mortgage services, helping you decide the one that’s right for you. AmeriSave AmeriSave is a well-known name in the world of mortgage services, specializing in finding the best deal for potential buyers. They can…

September 1, 20240Comments

ByJohn Wilkinson

Mortgage

How To Get A Better Mortgage Rate: Improve DTI (Debt to Income Ratio)

When buying a house, securing a mortgage is a big part of it. Getting all your ducks in a row is one key part to consider, especially if you want to score a good rate. One part of the process of securing a rate is your credit score and another is your debt-to-income ratio (DTI).…

September 1, 20240Comments

ByJohn Wilkinson

Rate News

The Feds New Strategy Could Keep Rates Low For A Long Time

In a dramatic policy pivot the Fed announced Thursday that it will allow inflation to run 'hotter than normal' to help support the economies bounce back from coronavirus. This means that interest rates are unlikely to dramatically rise any time soon. This doesn't mean that rates will stay as low as they are, but that…

August 28, 20240Comments

ByJohn Wilkinson

Rate News

Today’s Mortgage Rates | August 27, 2024

Renting Your Home May Be An Alternative To Foreclosure Rental rates have risen drastically over the past year. Monthly rental payments are currently higher than average mortgage payments in the majority of US metro areas. For homeowners facing the end of forbearance program grace periods, renting out their home may be the best option…

August 27, 20240Comments

ByJohn Wilkinson

Mortgage Companies

Quicken Loans Review

Quicken Loans LLC. is a mortgage lending company headquartered in the One Campus Martius building in the heart of the financial district of Downtown Detroit, Michigan. In January 2018, the company became the largest overall retail lender in the U.S. (it is also the largest online retail mortgage lender).[14] Unlike other large mortgage lenders that depend on deposits, Quicken Loans relies on wholesale funding to make…

August 13, 20240Comments

ByJohn Wilkinson