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Emma Dillon

articles from Emma

8 posts

How To Qualify for and Use USDA Construction Loans

Published 06/05/2023 by Emma Dillon

USDA construction loans are government-backed loans that help low-income families finance the purchase of land and the construction of a new home in certain rural parts of the United States. In order to qualify for a USDA construction loan, you need to meet certain requirements, and there are also some advantages and drawbacks you’ll want to consider before applying.

How To Buy a House Without a Mortgage

Published 05/11/2023 by Emma Dillon

It is possible to buy a house without a mortgage, and it can be done in a handful of different ways. Seller financing, rent-to-own, government loans, and full cash payments are alternatives to taking out a traditional mortgage.

Buy here pay here dealerships are car dealerships that sell affordable, used cars and offer loans to buyers. Buy here pay here dealerships do not perform credit checks, so they appeal to buyers with poor credit. However, these dealers offer risky high-interest loans, so they’re usually a last resort for buyers.

Credit life insurance is a policy that protects both your heirs and lenders to whom you may still owe debts when you die. This kind of life insurance is best for people with large outstanding loans who don’t want to pass the balance on to their heirs.

A mortgage letter of explanation is a document that borrowers send to loan officers or underwriters to explain areas of concern in their mortgage application.

When a cardholder disputes a transaction, the credit card’s issuing bank notifies the merchant of the payment dispute. The issuing bank then launches an investigation, which could lead to the dispute being granted (and the merchant losing the sale), or denied (and the merchant keeping the sale).

Amazon 401k Plan 2024 Guide

Published 12/23/2022 by Emma Dillon

Amazon offers a 401(k) plan to employees who work a certain number of hours for the company. The Amazon 401(k) plan for employees has a three-year vesting period, is transferrable, and matches 50% of your savings contributions. After you leave the company, you have several options for moving the money into a new account.

Walmart 401k Plan 2023 Guide

Published 12/23/2022 by Emma Dillon

Walmart offers a 401(k) plan to all of its employees to help them save for retirement. The Walmart 401(k) plan for employees is immediately accessible to each employee, can be transferred when an employee quits, and has a 6% dollar-for-dollar employer match that starts after one year.

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