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A Cash-Out Refinance Can Save You Big on Credit Card Debt

June 13, 2018 cash-out refinance credit card debt

For most Americans, credit card debt is an ever-present reality. The total U.S. credit card debt now totals $931 billion. If you only factor indebted households, according to Nerd Wallet, that number leaps to $15,983. These are intimidating figures in and of themselves, but when you consider a typical 15.07% interest rate, many people will be […]

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6 Tips for Paying Off Your Mortgage

May 25, 2018 6 Tips for Paying Off Your Mortgage

Mortgages are loans measured in years and decades, and the prospect of paying one off can often seem a bit distant. However, it’s possible to shave years (and therefore dollars) off the total amount of your mortgage. Here are six things you can do to speed up and pay down the biggest purchase of your […]

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4 Steps to Developing a Savings Plan

April 12, 2018 developing a savings plan

Any financial advisor will tell you the same thing: You need a savings plan. Homeowners and prospective homeowners alike need money tucked away for emergencies or a future down payment, though that’s easier said than done. It takes a great deal of effort to budget—and a great deal of time for savings to accumulate. Developing […]

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What Is Mortgage Cycling?

April 08, 2018 what is mortgage cycling

Mortgage cycling, on first glance, seems like an oxymoron: borrowing on your home’s equity to pay off your home’s mortgage faster. It seems like a debt-fighting-debt strategy, but for some homeowners it can be an effective strategy to pay off their mortgage principal faster—if done correctly. To educate you a little better, we’ve provided an […]

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How to Avoid Mortgage Penalties

July 05, 2017 You might think that paying off a debt early is a good thing, but that’s not always the case with a mortgage.

You might think that paying off a debt early is a good thing, but that’s not always the case with a mortgage. Occasionally, homeowners who can pay off their mortgage early are discouraged from doing so by what’s known as a prepayment penalty, or “prepay.” These penalties penalize buyers who get money to their lender […]

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Understanding Your Mortgage Payment Calculation

October 26, 2016

Many people aren’t familiar with finance lingo. This post will break down the various terms and concepts that define what a mortgage payment is, and how these payments are calculated. Mortgage terms to know As we said before, there’s tons of jargon to understand, so it’s important to start with a few definitions and key […]

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Missed Mortgage Payments: Do They Affect Your Credit Score?

April 30, 2015

Does missing a mortgage payment affect your credit score? It absolutely does. But reaching out to your lender to inform them of your financial situation could save you a lot of headache. When you sign your mortgage papers, you are making a promise to your bank that you will pay back the promised amount, at a […]

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