Personal Finance

Preparing to Purchase Your First Home

Steps to take to ensure that your first home-buying experience will be successful

You are finally at the point in your life where you feel ready to buy a home. But are you really prepared? The home-buying process is a very big task, and it can be overwhelming to anyone who hasn’t walked through it before. In fact, it is often still overwhelming even to those who have done it before.

The CFPB: Helping or Hurting?

One of the results of the financial crisis of 2008 was the Consumer Financial Protection Bureau, which was formed as part of the Dodd–Frank Wall Street Reform and Consumer Protection Act. Although the word ‘protection” is their title, given some of the actions of this agency one has to wonder who exactly it is that they are protecting.

4 Valid Reasons to Consult a Mortgage Broker

Any individual seeking advice on mortgages would come across the term "mortgage brokers" and wonder: "Who are mortgage brokers and how can they help me?"

Mortgage brokers are basically expert mediators connecting you and the lender. They are licenced specialists in finance domain, and you don’t need to pay them as they get paid by the lenders who strike the deal with them.

If you think you have researched enough about your banker, then think again. Here are the reasons as to why you should consult a mortgage broker:

5 Energy Efficiency Upgrades That Increase Your Home Value

As a homeowner, you may have made some upgrades to your house to save some money on your monthly energy bills, and help the environment out at the same time. But if you're planning to sell your house that doesn't mean you shouldn't still consider similar energy efficiency upgrades. They might increase your home value. Here are a few ideas of what you can do as you prepare to sell your house.

Increase your insulation

Mortgage Factors That Every Prospective Buyer Needs to Understand

                A home loan is much more multifaceted than many assume, and it’s imperative for people to understand the depths of a mortgage before they embark on the journey of homeownership. While each person’s situation is unique, and therefore each particular agreement different from the next, there are certain aspects of home loans that are nearly universal when it comes to the process side of things.

5 Things That Could Void Your Car Warranty You Must Be Aware Of

When you buy a new car you have to be careful because your warranty is really important. Cars are expensive and if something was to go wrong you might end up paying a lot of money to have it repaired. If your car is under warranty the garage you bought it from will fix certain problems that occur until it runs out. Once you buy your car you can't just assume that everything is fine, because the garage could turn around and void your warranty so you're left with nothing.

5 Ways To Increase Your Chances Of Getting A Better Deal On Your Mortgage

It's scary walking into the bank and asking someone for a mortgage. It's a lot of money and what if they say no? Will you ever be able to afford the home of your dreams? If you honestly believe you will be offered a mortgage it's likely you will get one. You just need to make sure you get the best deal possible because over the years it will save you a huge amount of money. Let's look at a few things you can do to make sure it happens. Start saving for a deposit now.

10 Best Mortgage Tips

More than six years after the bubble burst, low mortgage rates are fueling a slow but steady rebound in the housing market. Homes sales and new construction are up and prices are returning to pre-recession levels. Americans homeowners are taking advantage of near-record low rates on fixed mortgages by refinancing at a brisk pace. But not all of the numbers are auspicious.

Precautions When Buying an Online Term Life Insurance

Technology has proven to be an effective tool in today’s time. It not only helps users find all relevant information about a product or service, but also helps the companies reach the customers in new ways. It has also emerged as a platform where companies offer products online for those who have a very busy schedule and cannot drive down to get their work done.

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