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Fannie Mae Launches HomeReady Mortgage Program for Low to Moderate-income Borrowers

Fannie Mae logoOwning a home is a goal for many individuals both young and old. A residential property can represent a substantial portion of one’s personal wealth, and equity built up over time can be used as a way to fund life’s major expenses affordably. Home ownership can be a challenge, however, when income levels within a household are low or credit history is plagued by negative marks. Fortunately, mortgage lenders have launched home ownership programs in recent years meant to ease the process of securing financing for a select group of borrowers.

Posted on February 10, 2016 by Melissa

Community Bank, NA offering No Closing Cost Mortgage Loan

Community Bank NA logoOne of the biggest considerations when purchasing a home is the cost associated with securing an affordable mortgage. Down payment requirements are not the only need for prospective homeowners – closing costs are also a necessity in the majority of home purchase transactions. To assist borrowers in the process of buying a home, some financial institutions offer mortgage programs that cover all or a substantial portion of total closing costs at the time of purchase.

Posted on February 8, 2016 by Melissa

Make Money as a P2P Lender

Lend and borrow keys on computer keyboardPreviously we’ve discussed the nature of the peer-2-peer lending scene and how to best approach the service to receive a personal loan. Now we want to look at the flip side. What if you want to be a lender instead of a borrower? The service is peer-2-peer after all, meaning you have the option to be either. But how much money can you really make? Is it a better invest than say, the stock market? And how risky is this new venture?

Posted on February 5, 2016 by Ryan

Which Online Bank has the Best Rates?

Female using online banking on tabletIn our previous article about online banks, we discussed the pros and cons of online banking. Online banks are popping up all over the nation because it’s relatively easy to set one up. There are significantly less costs in operating an online bank. Therefore, there are many options to choose from. Here’s our list of the best offers from online banks.

Posted on February 3, 2016 by Ryan

BBVA Compass Bank offering 3.75% HELOC for Debt Consolidation

BBVA Compass Bank logoFor homeowners who have accumulated equity in their homes, affordable financing for life’s major expenses can be accessed through a home equity line of credit, or HELOC. In low interest rate environments, a home equity line of credit can help facilitate a cost effective home renovation, funding a child’s college expenses, consolidating higher interest rate credit cards or debt, or paying for major expenses such as a family vacation or medical bills. Homeowners interested in tapping into the equity built up in their property should understand the implications of securing a home equity line of credit, including credit requirements, costs associated with closing and repayment terms.

Posted on February 1, 2016 by Melissa

Stock Markets Are Crashing: How Will It Impact You?

Man reviewing stock market slow down graphStock markets across the globe are plummeting. Although the details are murky, it is clear to economists that the global economy is headed for a slowdown. It’s unlikely that the significant fall in global stock exchanges will lead to chaos and a meltdown of the global economy. But it will certainly have an impact on businesses, profit, employment and the average consumer. Let’s go over a few details about how this situation will impact your financial position.

Posted on January 29, 2016 by Ryan

Are Online Banks Worth it?

Online bank and laptop computerFinancial technology companies are starting to dominate the banking world. Many in the traditional banking sector have dubbed these startups “disruptors” because they are transforming the financial sector in significant ways. One popular sector of the financial technology industry is online banking. Like other startups in the field, online banks appeal to the younger generation and those who wish to ditch brick-and-motor banks for something more convenient and cutting edge.

Posted on January 27, 2016 by Ryan

AgFed CU offering $1,500 Mortgage Closing Cost Discount and More

AgFed Credit Union logoFor homeowners both new and experienced, a level of excitement exists throughout the process of finalizing ownership of a home. However, there are numerous financial aspects that come into play when purchasing a home that can create both stress and burdensome cash-flow restrictions on buyers. Prospective homeowners can avoid some of the financial burdens inherent to the home buying process by working with a mortgage lender or financial institution that offers discounts, waived fees or down payment assistance in marriage with affordable interest rates and repayment terms.

Posted on January 25, 2016 by Melissa

SoFi Personal Loans: Approval, Interest Rates & Fees

sofi logoA personal loan can be used a variety of financial needs, including financing a major purchase, consolidating high interest rate debt such as credit card balances, or starting a new business endeavor. While conventional banks offer solutions to individual borrowers in the realm of personal loans, marketplace lenders have made substantial progress toward making the process of obtaining a personal loan more transparent and more affordable. Through SoFi, personal loans are available starting at $5,000 up to a maximum of $100,000 with fixed or variable interest rates and repayment terms of three, five or seven years. Each of SoFi’s lending products are made available through a large pool of accredited investors who provide the funding for loan requests. Through this social financing platform, SoFi is able to underwrite loans for well-qualified borrowers with relatively low interest rates in a short amount of time. However, individuals interested in obtaining a SoFi personal loan should first understand who is eligible.

Posted on January 21, 2016 by Melissa

Use Online Lenders to Get a Better Interest Rate

Crowdfunding keyboard keyAlthough the government has maintained interest rates at record lows for almost a decade now, lenders seldom offer these low interest rates to borrowers. During your search for personal loans or mortgages, you may have noticed some of the abnormally high interest rates offered to you. Traditional banks and lenders are in the business of making money, meaning they generally do not offer the most ideal interest rates to borrowers. A new industry has emerged called peer-to-peer lending, abbreviated as P2P, that is challenging traditional lenders.

Posted on January 19, 2016 by Ryan

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  • Credit Card Rates

    Card TypeAverage APR
    National Average:15.16%
    Low Interest Rate:11.96%
    Balance Transfer:14.35%
    Cash Back:15.20%
    Instant Approval:18.02%
    Bad Credit:22.56%
  • Mortgage Rates

    Courtesy of erate.com