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Accounting

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IntroLend

With interest rates currently at a three-year low, it is clear that home values are on the rise. This makes it a great time to purchase a home — especially for first-time buyers. However, buying a home is no cakewalk; it must be handled with great care, and you must be prepared before applying. Here are a few important tips to get you started in the right direction.

1. Pull your credit report

First, check your credit report. Then, search for a mortgage lender who lends to people with your score. Before filling out the papers for a home mortgage loan, you may want to take a peek into your credit file. Having adverse credit can not only limit the amount the lender is willing to let you borrow, but it can also cause you to pay a much higher interest rate in comparison to someone with average to excellent credit. If you have serious debts on your credit file (such as outstanding loans, bankruptcy, or a high amount of debt), this can stop you from even obtaining...

Renters' Top 8 Biggest Concerns About Buying A Home

Stated Income Loans Are Returning

Can Private Mortgage Bonds Be Revived?

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MoneyTips

Graduation for the Class of 2021 is here. Some college graduates have studied physics and will pursue rocket science as a career. Others plan to become doctors, memorizing every bone in the body, while a few are walking encyclopedias when it comes to history. But how many of them can – and do – balance a checkbook?

According to the Pew Research Center, 52% of Americans between the ages of 18 and 29 still live with one or both of their parents. This could be attributed to the nation's student loan debt, which stands at an all-time high of $1.6 trillion, and the job market that keeps graduates in internships and minimum wage positions for years after college. That means many recent college grads have never paid their own rent, balanced a checkbook or created a budget, much less learned to live on one.

The good news in this grim statistic is that learning the basics of personal financial management isn't really all that difficult. Here are seven personal finance st...

MoneyTips Gift To College Grads: Your Credit Report

5 Credit Tips For New College Grads

Retirement Is Not That Far Away

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A bad credit score can make it difficult for you to qualify for a loan. If your score is too low, this increases the chances of having your loan denied. And even if a lender approves your loan, you will likely be charged a higher interest rate. Since lenders often use different credit scoring models […]

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Between credit cards, student loans and auto loans, it can be difficult to keep track of payments and balances on outstanding debts. Consolidating these debts into a single loan may streamline your finances, but the strategy likely won’t fix underlying financial challenges. For that reason, it’s important to understand the pros and cons of debt […]

Banking
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As Americans receive stimulus checks and tax refund checks, they may be wondering how to spend that money. In some cases, it may be wise to save it, rather than spend it. But other than stashing the cash in a highly recommended emergency fund, what should you do with it? Whether it’s a stimulus check, […]

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It’s been a year since the stock market took its Covid-19 tumble. From Feb. 19 to March 20, 2020—a span of 22 trading days—the S&P 500 fell 30%, the fastest decline ever. It’s hard to overstate how dramatic this market moment was, or how much panic was in the air. The horror of more than […]

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