Credit is kind of a tricky subject. If you want to buy a house or take out a loan, you need to have a good credit score. But you cannot have a good credit score if you have no credit history. And to build credit you need to be approved […]
Personal Finance and Consumer Debt When it comes to personal finance and consumer debt, most of us are guilty of overspending and not budgeting properly. Working on your debt and your finances should be a top priority. Most Americans have some type of consumer debt. Whether it’s student loan, credit […]
Life insurance for business loans Where can I get a Policy for business loans? There are many banks out there that require a life insurance policy for individuals that take out business loans, especially if they are the only person in the business. This helps to ensure the bank gets […]
How to get Pre-Qualified Pre-qualification comes with a lot of paperwork. This means you need to Pay Stubs, Employment records, Work History, and much more. However, getting qualified is the first step in the home-buying process. This will tell you what exactly a bank is willing to lend you, which […]
Credit and Loans, how do they work? Credit works by adding up your payments, your debts, and leveling that against things like your assets and your accounts. There are tons of other factors that go into credit. But that credit score is then used to help leverage better rates on […]
Many people do not know that life insurance is a great way to lower your debt-to-income ratio. Let us take a look as to why that is. What is the debt-to-income ratio? What is the debt-to-income ratio? Debt to Income Ratio is the ratio that defines your net worth. Net […]