Why Does My Mortgage Lender Need So Much Information?

Why Does My Mortgage Lender Need So Much Information
Why Does My Mortgage Lender Need So Much Information?

Q: I’m applying for a mortgage through my credit union and I’m a bit surprised at the amount of information they’re asking for to process my loan. Why do they need to know so much about me to grant me a home loan

Category: Home Ownership
Tags: mortgage, applying, information

8 Reasons To Create A Monthly Budget

8 Reasons To Create A Monthly Budget
8 Reasons To Create A Monthly Budget

Not sure what you’ll gain by budgeting? Here’s a list of the benefits.

  • You’ll spend less.
  • You’ll have more freedom by knowing exactly how much you have to spend.
  • You won’t neglect any fixed expenses because you’ll have money set aside for them.
Tags: budgeting, spending, saving money

6 Times A Bargain Is Not A Bargain

6 Times A Bargain Is Not A Bargain
6 Times A Bargain Is Not A Bargain

In the words of writer Franklin Jones, “A bargain is something you don’t need at a price you can’t resist.” And we couldn’t agree more. 

With the biggest spending season of the year looming ahead, it’s time to brush up on your shopping smarts. Don’t get caught springing for something you

Tags: bargains, beware, scams

Mistakes First Time Home Buyers Make - Infographic

Mistakes First Time Home Buyers Make
Mistakes First Time Home Buyers Make
1.) Not Knowing Your Housing Budget 

Figure out exactly how much you can afford to pay each month in shelter costs. 

Be sure to include:

  • Mortgage payments (including interest – and PMI if applicable)
  • Property tax
Category: Home Ownership
Tags: mortgage, first time home buyers, home, real estate

Staying Safe Online

Staying Safe Online
Staying Safe Online

With the average American spending 24 hours a week online, internet safety is more important than ever. A hacked or compromised computer can put you at risk for money loss, phishing scams or even complete identity theft.

It gets worse: If your computer’s security has been breached, it can be turned into a “middle man” for online theft

Tags: online, safety, tips, hacking

Beware the Blackmailing Scam!

Beware the Blackmailing Scam!
Beware the Blackmailing Scam!

Blackmail and extortion are some of the oldest tricks in the book—and for good reason: They work. When a criminal threatens to share potentially explosive information with everyone they know, the victim easily panics and is willing to pay any price to protect their privacy and their pride.

In a fresh twist on this

Tags: scam, blackmail, online

4 Home Improvement Projects with High Long-Term Return

4 Home Improvement Projects with High Long-Term Return
4 Home Improvement Projects with High Long-Term Return

When you’re making improvements to your home, you’re not just making your life better in the short term. You’re also making an investment in your future. Ideally,  the increase in the value of your

Category: Financial Wellness
Tags: home renovation, home improvement, HELOC, Personal Loan

All You Need To Know About Buying A Used Car

All You Need To Know About Buying A Used Car
All You Need To Know About Buying A Used Car

Buying a previously owned vehicle can also be a great way to save big on one of your most valuable possessions.

If you’re shopping for an amazing deal on wheels during the October car-shopping season, you want to be that buyer who drives home thrilled with their new

Category: Financial Wellness
Tags: Auto, loans, buying, used cards

New Cars vs. Used Cars

New Cars Vs. Used Cars
New Cars Vs. Used Cars

Q: I need a new set of wheels and I’m wondering if it’s better to spring for a new vehicle or to go the cheaper route and buy a used vehicle. What do I need to know about each kind of purchase? 

A: Any decision surrounding a purchase as large as a car needs to be made with careful

Category: Financial Wellness
Tags: Auto, loans, buying, information

Ways To Save On Food Costs

Ways To Save On Food Costs
Ways To Save On Food Costs

With your mind so muddled with details like classes, exams and papers, who has time to think about food? You might be heading into the new semester with plans to subsist solely on convenience food and packaged junk. We’re looking at you, ramen noodles!

But as you’ll quickly discover, overdoing the processed foods will leave

Tags: tips, groceries, food, shopping, saving

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