When you buy a home, do you know what costs and cash you’ll need to pay at closing? If you aren’t sure what “cash to close” means, what your closing cost amounts are or how to pay them, read on to learn more. Closing on a house can be hard to understand, especially when it … Read more
Please note: Discover® Home Loans offers home equity loans and mortgage refinance opportunities but does not offer HELOCs. A home equity loan lets you tap into the equity built up in your property. This loan could be used for almost anything, like paying off debt, making home improvements, or buying something big, like a dream … Read more
“Good” can mean a lot of different things when it comes to credit cards. Today, we’re going to talk about credit limits. You know, the magical number that determines how much you can spend before your card gives you the cold shoulder. But what exactly is a good credit limit? Is it enough to cover … Read more
Some spouses keep their finances separate and under wraps, but other spouses are entirely transparent about their financial situations. In fact, some partners know so much about their spouses’ financial data that they could open credit cards in their spouses’ names. However, is it legal to open a credit card under a spouse’s name?. Marriage … Read more
Credit cards are useful for everyday spending, large one-time purchases, balance transfers to take advantage of a lower interest rate and more. If you have one or more credit cards you rarely use, there likely won’t be a penalty fee or immediate ding to your credit score if it sits untouched. However, a card issuer … Read more
Getting a new car is an exciting experience. But for most people, getting a car means getting a loan. This brings up an important question: is a car loan debt? The short answer is yes. A car loan is a type of debt called an installment loan. When you finance a car, you are borrowing … Read more
More specifically, the word derives from the old sense of impoverished, which signifies helplessness, shame, or embarrassment. People are not born broke, but they make decisions based on their actions, not as a result of circumstances. To put it another way, it’s a thing that happens to you. You go broke, busted, or even bankrupt … Read more
If a creditor or creditors are suing you for a debt you simply cant pay, you may get letters demanding money. The creditor may finally get a judgment. It can be frightening not knowing what could or can happen next. As a lawyer for debt relief in New Jersey, I can help you understand the … Read more
Hey there, mate! If you’ve ever wondered, “Which South African banks use Experian?” then you’ve stumbled on the right spot. I’m here to spill the beans on this topic, and trust me, it’s more important than you might reckon. Your credit score, your loans, and even that sneaky debt you’ve been dodging—it’s all tied to … Read more
There’s one key step you should take to boost your odds of landing your dream home: getting preapproved for a mortgage loan with a lender. If you do this, sellers will view you as a more attractive buyer. When sellers get multiple offers, they are more likely to choose buyers who have already been approved … Read more