How long do you have to live in an FHA house?

FHA loans are an attractive opportunity. These home mortgages have easier qualifying guidelines, and the minimum down payment is just 3.5% of the loan amount. Those easy terms appeal to both investors who want to buy a rental property and home buyers who intend to occupy the home themselves. However, only owner-occupants can qualify. The question, is how […]

Section 8 Housing

Everyone deserves to live in a decent, safe, and sanitary home. But not everyone can afford a home that meets those criteria. That’s why the federal government offers the Section 8 Housing Choice voucher program, which subsidies rent for very low-income families, as well as elderly and disabled people. Section 8 recipients aren’t forced to live in housing […]

Finance a New HVAC

“You need a new HVAC system.” Those six words can stop the heart of even the most experienced homeowner because a whole new HVAC system can cost anywhere from $2,000 to $15,000—or more. HVAC stands for heating, ventilation, and air conditioning. The components vary, but a typical system might include a furnace, boiler, heat pump, pipes […]

storm shelter financing

Are hurricanes or tornadoes an annual occurrence in your town? If so, a storm shelter could be a smart (and potentially life-saving) investment. These sturdy structures give you and your family an enclosed place to wait out high winds and dangerous weather. It may give you peace of mind knowing you have a safe place […]

what is ridesharing

If you’re like many (or perhaps most) Transportation Network Company (TNC) drivers, you don’t have a taxicab license and you didn’t register the car as a commercial vehicle. Instead, you probably have a personal auto insurance policy. That’s good to have. But it’s not enough if you want to give rides to other people and […]

What is accident forgiveness

Wouldn’t it be cool if your auto insurance company “forgave you” and didn’t increase your rate if you got involved in a car accident? Well, good news – many companies do! This benefit is known as “accident forgiveness,” and some companies include it as part of their standard auto insurance policy. Others offer it as an […]

In a perfect world, no one would ever be involved in a car accident or need car insurance. But in the real world, accidents happen. If you were in an accident that left your car badly damaged, to the point that you were unable to drive it, how would you get where you needed to […]

Auto insurance that covers any driver

One of the many complicated facets of auto insurance is who—or what—is covered by an auto insurance policy. Is it the car? The driver? Or both? The answer isn’t obvious, and the question leads to other questions, like: Can you drive someone else’s car if you have insurance, but the other person doesn’t? Can someone […]