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Debt consolidation can cause a short-term dip in your credit score due to hard inquiries and new accounts, but if managed well, it often improves your credit over time. By combining multiple debts into one lower-interest payment and maintaining on-time payments, you can lower your credit utilization and boost your score. Success with debt consolidation […]

If you’re a Veteran with a 50% VA disability rating, you might wonder how this affects your ability to work, manage finances, and qualify for a home loan. The good news: having a 50% rating doesn’t stop you from pursuing employment or homeownership. In fact, with VA benefits and loans designed for disabled Veterans, you

Using a 10-year ARM for real estate investment offers lower initial payments, making it ideal for short-term holds, flips, or BRRRR strategies. Investors benefit from reduced upfront costs and flexibility to refinance or sell before rate adjustments begin. This strategy helps maximize cash flow and scale faster—if timed right. It’s best for those who plan

FHA-approved condos are on a lot of people’s radar for 2025, especially buyers who don’t want to cough up a huge down payment but still want something solid. I get it—trying to qualify for an FHA loan and make sure the condo you want is FHA-approved can feel like a maze. The fact is, not

Let’s be real—selling inherited property isn’t exactly a walk in the park. You’ve just inherited a house or maybe a piece of land. Someone you loved passed and left it behind. Deep breath. Now taxes are breathing down your neck. You’re probably thinking… “Do I pay capital gains tax on inherited property?” “How much will

Deciding between renting out the inherited property vs. selling it depends on your financial goals, stress tolerance, and emotional ties. Renting can offer steady income and tax benefits but comes with landlord duties and maintenance costs. Selling gives quick cash and a clean break but may miss out on future appreciation. Weigh cash flow, taxes,

The Fannie Mae minimum credit score required to qualify for a mortgage is generally 620. Along with this, borrowers should have a debt-to-income (DTI) ratio between 36% and 50%, depending on their overall financial situation, and a down payment starting at 3% for primary homes. These rules help lenders evaluate risk and decide if you

If you’re staring down the barrel of losing your home, you’re not alone. Rising payments, job loss, unexpected bills—it happens. The good news is, you’ve got options. Real options. Alternatives to foreclosure are out there—and no, you don’t have to give up the roof over your head just yet. We’re talking about loan modifications, short

Look, most people hear “home equity” and think it’s some complicated finance thing only accountants talk about. But if you’ve got a house, knowing how to accurately calculate your home equity could literally make or save you tens of thousands of dollars. I’ve had friends sit on $100K of home equity and not even know

Let’s talk about something no one wants to go through, but way too many people face—foreclosure. I’m seeing more and more folks ask the same hard questions, like… “Am I going to lose my house?” “What’s the difference between judicial vs. non-judicial foreclosures?” “Can I stop the process once it starts?” “Do I still owe