Four Advantages To A Home Equity Loan Over A Personal Loan


If you have a lot of equity in your home, it often makes more sense to take out home equity loans rather than a personal loan. Though this does attach more debt to your house, it's usually a more flexible financial instrument. Here are a few of the advantages. 1. Your Credit Requirement is Lower A personal loan generally requires a very high credit score. Personal loans are not secured loans; if you default on it, the lender has no choice except to simply try to collect their debt.

19 June 2017

2 Things You Can Do To Keep Your Mortgage In Budget


When purchasing a house, you might be wondering what you can do to keep your expenses low. There are many ways that people overexert themselves when moving into a new house. For this reason, you should plan ahead on certain expenses to make sure that you don't flush all of your money into your house. Here are some ways that you can save money. 1. Be Careful About Upgrades

14 December 2016

Selling Gold Jewelry For Quick Cash: 3 Ways To Get More Offers


If you're in need of quick cash, the answer to all of your financial troubles might be lying around in dusty jewelry boxes or cabinets around the house. Gold jewelry can be easy liquefied or used as collateral for a loan. The value of gold remains relatively constant and is expected to average $1,200 per ounce through 2016. Unless you plan on melting the gold jewelry, here are 3 ways that you can improve the value of each piece and potentially get more offers.

11 October 2016

USDA Financing: How Much Home Can You Afford?


If you're thinking about purchasing a new home and breaking away from the rental scene, there is no better time than now to be a first-time homebuyer. There are a few government-backed loans, such as the USDA home loan, which offers low interest rates and is tailored to first-time homebuyers. This loan also offers little to no down payment and affordable monthly mortgage payments. Before you start talking to realtors and looking for a home in a specific price range, visit your lender to lock in an interest rate and get pre-approved for a USDA government loan.

18 August 2016

3 Ways To Pay For Your Vacation


Going on vacation can be very expensive. If you want to go on vacation, there are ways that you can come up with the money for your vacation.  Dedicated Savings Account One thing you can do is set up a special savings account just for your vacation. The reason that you want to go with a savings account instead of a checking account is that you are going to get interest on savings accounts.

17 July 2016

Trying To Get A Mortgage With Bad Credit? Tips To Help You Out


When your credit is less than stellar, whether due to credit mistakes or simply a lack of credit, you may think that it is impossible for you to ever get a home loan (mortgage) so that you can buy a house. However, just because your credit isn't great, you do not have to rule out the possibility of owning a house in the near future. Get to know some of the steps that you should take when you have bad credit and want to buy a house so that you can be sure that you are able to make your dreams of home-ownership a reality.

27 June 2016

Four Tips For Getting Cash Loans From Jewelry


One of the easiest way to get a fast cash loan is to use your jewelry as equity. There are many payday lending companies, pawn shops, and cash for gold shops that will be able to process your transaction within a matter of minutes. But there are still some things you should know before you head down to the store -- such as which items to take and how to prepare them.

20 May 2016