Article Summary: Mortgage payments have a significant impact on the monthly budget of many households. It is probably your largest monthly expense. Thankfully, there are multiple ways to reduce the monthly mortgage payment, so your budget can breathe. Lowering your monthly mortgage is one of the easiest ways to free up some room in your […]
Article Summary: Mortgage insurance typically costs between 0.25% and 2% of your mortgage amount per year. You can save thousands of dollars if you learn how to get rid of mortgage insurance. There are four ways you can get rid of mortgage insurance, three involve waiting and the fourth you might be able to do […]
Student loans are the fastest-growing source of debt for U.S. households. Since 2007, student debt has grown three times faster than auto loans and 32 times more than mortgages. Student debt totals more than $1.58 trillion and is growing faster than the U.S. economy. In fact, student loans are now the largest source of unsecured […]
Article Summary The student loan debt relief tax credit is offered in Maryland to student loan borrowers with outstanding debt. Find out how student loan debt relief works and how you can apply. If you’re concerned about the tax implications of your student debt or looking for ways to get a break on your outstanding […]
Some good news came out of Providence last week. Last Wednesday, Governor Dan McKee signed into law legislation (2021-H 5491, 2021-S 0349) that will require statewide standards in consumer education for public high schools. The legislation directs the Council on Elementary and Secondary Education and the Rhode Island Department of Education to develop instruction standards […]
When the Federal Reserve slashed interest rates close to zero, it did take some time for the reduction to filter down into the mortgage market. Mortgage rates are nowhere near that low, but they have declined a from where they were before the Fed cut rates to zero. In fact, mortgage rates are hovering around […]
The coronavirus pandemic is putting the jobs of millions of workers at risk. Last week alone 3.3 million people filed for unemployment. One of the main concerns is how people will take care of their mortgage and rent payments if they lose their jobs or see cuts in their hours and wages. This article provides […]
You’ve heard of mortgage and student loan refinancing, but can you refinance a personal loan? The answer is yes. Many lenders offer personal loan refinancing options. So if you’re unhappy with your loan, you’re not stuck with it — you can try to find a new loan with better terms. But just because you can […]
Many people are refinancing their homes now while mortgage rates remain near record lows. If you’ve decided to look into the process, then there are several pieces of information you should gather before you actually move forward. It’s best to have everything at your fingertips before you start working with a loan officer or broker. […]
Depression is one of the most harmful and pervasive conditions among Americans. It is on the rise among all age groups, but particularly among teenagers and young adults. This is leading many to ask, why are Millennials so depressed? The premise of that question is that Millennials are more likely to be depressed than other […]
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