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Latest Articles and Promotions

OneAZ Credit Union (AZ) offering 1.90% Introductory APR on HELOC for 6 Months

OneAZ Credit Union logoHomeowners who are lucky enough to have equity built up within their residential property have the opportunity to use it as a means to finance substantial expenses. Remodeling that out-of-date bathroom, sending a child off to college, or refinancing higher interest rate debt can all be done in a cost effective way through a low-interest rate home equity line of credit (HELOC). A number of financial institutions are currently offering hard-to-beat promotional pricing on new home equity lines of credit for well-qualified borrowers.

Posted on August 29, 2016 by Melissa

6 Tips for Trimming Your Budget as a College Student

College calculator with big red savings buttonTuition and textbook prices are a concerning topic among many young Americans. With the average student loan debt growing to over $37,000 per student and over $1.2 trillion this year, it’s no wonder why so many are discussing it. If you are heading off to college this month or next, there are a few tips you should take with you that may not be taught in any of your university lectures. While tuition and textbook prices will likely continue to remain high, there are various ways you can cut costs and reduce your financial burden down the road.

Posted on August 25, 2016 by Ryan

Provident Bank Offering 1.99% Introductory APR on HELOC for 6 Months (NJ) & (PA)

Provident Bank logoOwning residential property is a common method to accumulate wealth for individuals and families alike. As housing markets gain strength over time and a mortgage balance is paid down, homeowners realize appreciated value through home equity. The ability to access this equity is often critical in achieving other financial goals, including financing substantial purchases, renovating a home or consolidating higher interest rate debt. As the interest rate market continues to remain at a historical low, homeowners have an opportunity to borrow in a financially sound way.

Posted on August 22, 2016 by Melissa

Are You Living Above Your Means? Check These 5 Rules to See

3 glass coin jars with different amounts of moneyAre you one of the millions of Americans living with less than $1,000 in savings? According to multiple reports, between 50 percent and 60 percent of Americans have less than $1,000 dollars in savings and live paycheck to paycheck. What’s going on and how did things get this way? Many of us may blame corporate America, Wall St, or the Democrats and Republicans. While there may certainty be outside factors impacting the financial status of the average American, there also may be another factor at play.

Posted on August 18, 2016 by Ryan

New 1% Down Loan Program in Chicago from Guaranteed Rate

Guaranteed Rate mortgage lenderThe path to purchasing a home comes with a number of ups and downs, from finding the right lender to obtaining the necessary amount to close. One of the biggest challenges for first-time home buyers or those with tight cash flow month to month is coming up with the down payment. Conventional mortgage loans required no less than 20% down in the not so distant past; in today’s market, potential home buyers have the option to secure a mortgage without a substantial down payment. The ability to bring a fraction of the traditional down payment amount to the closing table makes it far easier for individuals to achieve the dream of home ownership.

Posted on August 16, 2016 by Melissa

US Bank offering 1.50% Introductory APR on HELOC for 6 Months

U.S. Bank logoThe flexibility available with a home equity line of credit is a powerful benefit for homeowners with accumulated value in their homes. Instead of borrowing a set amount through a home equity loan – most often more than what is necessary – a home equity line of credit affords borrowers the opportunity to access a secured credit line for as much or as little as they need. Over time, a home equity line of credit with a low interest rate provides a sound method to finance major purchases, whether related to the home itself or not.

Posted on August 11, 2016 by Melissa

Wells Fargo offering 1.00% APR Discount on Personal Line of Credit

Wells Fargo bank logoLife often throws financial curve balls our way, making it difficult to maintain monthly cash flow without utilizing some type of consumer debt vehicle from time to time. While some rely solely on credit cards or personal loans to get through unexpected financial changes, others turn to alternatives in lending. A personal line of credit works similarly to a credit card in that it provides a revolving credit limit to well-qualified borrowers; it differs in pricing as it is often less expensive than comparable credit options. For those in need of a lifeline for a recent or upcoming financial circumstance, a personal line of credit offers a solution that is both flexible and affordable.

Posted on August 8, 2016 by Melissa

Santander Bank offering 1.99% Introductory APR on HELOC for 6 Months

Santander Bank logoThe combination of paying down a mortgage balance and increasing home value works out to the benefit of most homeowners. Accumulated equity is one of the best leveraged tools in personal finance, specifically when interest rates are relatively low. In the current lending market, prevailing interest rates make loans and lines of credit incredibly attractive when a residence is used as collateral and financial institutions are offering unbeatable promotions.

Posted on August 4, 2016 by Melissa

Visions FCU offering 0% Introductory APR on HELOC for 6 Months

Visions Federal Credit Union logoWhen structured correctly, your home can be used as a long-term investment. A home’s value has the ability to appreciate over time, and as the mortgage balance is paid down, equity accumulates in the property. During low interest rate environments, like we are in at the present moment, home equity serves as an affordable alternative to fund some of life’s major expenses. Renovations, family vacations, consolidation of credit card debt or college tuition can all be paid for utilizing a home equity line of credit for qualified home owners.

Posted on August 1, 2016 by Melissa

Americans’ Credit Scores Are Improving

5 star credit score on chalk boardDespite all of the economic troubles across the globe, the United States continues to steam ahead. With all of this chaos, global investors are now using the US as an investment safe haven from global financial volatility. Almost all other major economic regions of the globe – namely China, Japan and Europe – are facing subdued growth, struggling corporate sectors and skyrocketing debt and loan defaults. The one outlier in this trend is the United States. Less than a decade after the crippling subprime mortgage crisis, it appears that Americans have learned their lesson. And now Americans are benefiting from it.

Posted on July 28, 2016 by Ryan

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  • Credit Card Rates

    Card TypeAverage APR
    National Average:15.19%
    Low Interest Rate:11.98%
    Balance Transfer:14.39%
    Cash Back:15.32%
    Instant Approval:18.04%
    Bad Credit:22.56%
  • Mortgage Rates

    Courtesy of erate.com