Personal Finance Articles

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Personal Finance

Waiting Can Pay Off On a Reverse Mortgage

Larry Kaplan didn’t wait long before getting a reverse mortgage on his Los Angeles home. Kaplan, 63, obtained a

4 years ago

Personal Finance

Personal Loans - Unsecured Loans at Low Rates

When people need to borrow money, a home equity loan is often their first choice. But there are times when an unsecured personal loan may be the better option.

4 years ago

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Personal Finance

Using a reverse mortgage to pay off your home loan

4 years ago

Personal Finance

Mortgage rules differ for second homes vs. investment properties

Ready to buy a second home? Or maybe you want to purchase an investment property. You need to know the difference between the two, because getting a mortgage loan for one is usually a more complicated and costly process.

5 years ago

Personal Finance

How Marital Status Affects Your Ability to Get a Mortgage

Lenders can't deny you a loan because you aren't married or because you are divorced. They can't reject your loan application because you are widowed.

5 years ago

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Personal Finance

Is Retiring With a Mortgage Such a Bad Thing?

Ideally, you'd retire without owing money on a mortgage, car loan or credit card.

5 years ago

Personal Finance

Higher Homeowner's Deductible Can Save Up To 40%

Raising a deductible is an easy way to lower an insurance premium, moving some of the risk from the insurer to the policy holder. Raising a homeowner's insurance deductible from $500 to $2,000 lowers the average annual premium by 16 percent nationally, with savings ranging from 4 to 40 percent, depending on where you live, according to recent report by insuranceQuotes.com.

5 years ago

Personal Finance

Establishing a Credit Score When You Don't Have One

The numbers are surprising: The Consumer Protection Financial Bureau in early May reported that about 45 million U.S. adults do not have enough of a credit history to have their own credit scores.

5 years ago

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Personal Finance

Unemployment Insurance Can Help First-Time Homebuyers

The national unemployment rate was 5.4 percent in April, a far drop from the 10 percent seen in 2009, according to figures from the Bureau of Labor Statistics.

5 years ago

Personal Finance

Saving Money with Home Solar Energy

Solar energy has longed seemed to be one of those things that is forever in the realm of "someday." So many homeowners may be surprised to learn that "someday" is now - solar has definitely arrived, and it can save you some big money on your energy bills.

5 years ago

Personal Finance

How Safe Is Your Personal Data When You Apply for a Mortgage?

You provide reams of personal and financial information to your mortgage lender when applying for a home loan or refinance. But how safe is this information?

5 years ago

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Personal Finance

Wealth-Building Home Loan for Low Incomes

The idea that homeownership is a path to wealth has been behind U.S. housing policies for more than 50 years, and the effort to increase the rate of homeownership has failed miserably, according to the American Enterprise Institute (AEI).

6 years ago

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