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good and bad debt — Most of us have been taught that we should always avoid debt. However, there are some forms of debt that can actually help us in the long run. Understanding the difference between good and bad debt is vital to making important financial decisions and bettering your chances of future stability. […]

Good and Bad Debt

August 18, 2021 in Health / life / Medicare / Uncategorized tagged bad debt / Business loans / Credit card / debt / finances / good debt / mortgage / student loans by Kayla Gonzalez

The coronavirus pandemic left over 40 million people unemployed. Even so, colleges and universities had almost 4 million graduates who were already expecting or simply looking for jobs after school. Many graduates were forced to postpone their start dates and others had canceled internships, but some were dropped from their […]

An Increase in Job Openings

June 13, 2020 in life tagged interest rates / life insurance / Loans / mortgage by Jenny McCann

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 […]

Personal Finance and Consumer Debt

March 14, 2020 in life tagged Credit / debt / Loans / money / mortgage by Jenny McCann

Why People In Their 20s’ Need Life Insurance People in their 20s and even 30s may not see much of a need for life insurance. However, it is something that can be used as a great tool. Whether saving for retirement or starting the process to become your own banker. […]

Why People In Their 20s Need Life Insurance

February 28, 2020 in life tagged cash value / cost of life insurance / life insurance / life insurance applications / mortgage by Jenny McCann

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 […]

How do I get Pre-Qualified for a Mortgage

February 2, 2020 in life tagged Credit / finances / Home ownership / Loans / mortgage by Jenny McCann

What is the ability-to-repay rule? “The ability-to-repay rule is the reasonable and good faith determination most mortgage lenders are required to make that you are able to pay back the loan,” states Consumer Finance Protection Bureau. The rule is important because it helps determine if you can afford to pay […]

What is the ability-to-repay rule?

January 19, 2020 in life tagged finances / money / mortgage / Personal Finances by Jenny McCann

What is a Qualified Mortgage? There are Qualified Mortgages and unqualified Mortgages. “A Qualified Mortgage is a category of loans that have certain, more stable features that help make it more likely that you’ll be able to afford your loan.” states the Consumer Financial Protection Bureau. A Qualified Mortgage is […]

What is a Qualified Mortgage?

January 16, 2020 in life tagged Home ownership / money management / mortgage / Personal Finances by Jenny McCann

Investing in real estate is one of those things that can make or break your bank. Making a bad investment can devastate your bank account. But real estate can do even more to your bank account and net worth overall. Why Real Estate? […]

Investing in real estate

January 7, 2020 in life tagged business planning / finances / Financial planning / money management / mortgage by Jenny McCann

Give the Gift of Life Insurance This holiday season give the gift of life insurance to those loved ones who are not covered. Over the years, I’m sure you’ve heard why you need life insurance and how it can benefit you and your family. Today, I want to talk about […]

Give the Gift of Life Insurance

December 2, 2019 in life tagged child life insurance plans / Final Expense / life insurance / money management / mortgage by Jenny McCann