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.

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.

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 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.

The Walmart 401(k) plan is a retirement savings account open to every associate from their first paycheck, with a company match and full immediate vesting. A few features make it more flexible than a typical employer plan.