Home ownership disparities between whites and minorities have been tracked by many different organizations for some time now. Mortgage companies have always insisted that they are not a part of the problem, stating that their lending decisions are fair and neutral. A new analysis of over 2 million mortgage applications from 2019 shows otherwise.…
Getting pre-approval for a mortgage is often one of the most exciting times in your young life. If you’re looking for pre-approval, getting the mortgage can help you land your dream home. If you’ve already made a home offer, getting your mortgage approved means the sale can go through.
It’s time for a new chapter…
Choosing the right credit card for your situation is incredibly important. Not only can different interest rates, credit limits, and rewards make a huge impact on your financial future, even the rewards type can matter a lot.
So which type of credit card is better, rewards or cashback? Well, the truth is that there isn't…
Student loan debt is one of the biggest forms of debt to carry, especially for people who have advanced degrees or who took longer than average to get their degrees.
Refinancing your student loan debt may seem appealing, but it’s not for everyone.
Here’s what you need to know about student loans and student loan…
The American Rescue plan was the first priority for President Biden when he took office. A Democratic majority was able to pass the bill despite Republican dissent, and the new stimulus and relief package went into effect in March of 2020. One of the new programs that was created by this legislation is the $10…
Part of Biden's dream for America is a large expansion of green and renewable energy infrastructure. One way America can become more energy efficient and independent is by investing in technologies that save electricity. This could be as simple as adding more insulation to houses, installing energy efficient windows, or upgrading appliances.
To encourage…
Buying a home requires a down payment, something that not many buyers have sitting in their bank account. For many potential homebuyers, the down payment is the most difficult hurdle to get over, holding them back from getting the process started.
Below, we’ll take a look at the down payment, explaining what it is, how…
Choosing what kind of loans you’re going to take out is an incredibly important part of going to college. Since most people can’t afford to pay for their college education out of pocket, student loans are a great way to bridge the gap between what you can afford and the cost of your education.
However,…
Back in 2020, a controversial fee hit the market that made many homeowners cringe. The Adverse Market Refinance Fee took the market by storm, raising the interest rate on closing costs on all refinance loans.
The fee was shunned by homeowners and homebuyers across the country, with most of them calling for a revision. Finally,…
State Farm is an auto insurance company that offers a lot of coverage. The group can even give you great discounts for having good driving habits. State Farm is also the largest personal auto insurance provider in the country, allowing them to work with many people.
State Farm is one of the best auto insurance…