Yes, New Year’s resolutions are a month off, but it’s never too early to get your finances healthy! Your finances, and the decisions you make about them, change over time. They are different from your friends’ or your parents’ finances. Still, some broad guidelines can help you get a handle on your financial plans. * On average, … Continue reading “Financial Fitness Can Be Yours”
Category: Home Mortgages
There are many different types of loans. So many, in fact, you may actually be overwhelmed. First, it is important to understand what financial institutions like Liberty Savings looks for and requires when lending. Understanding your options ensures you have the best, and smartest, choices when it comes to financing. Lending considerations and requirements To understand your … Continue reading “Understand Your Loan Options”
If credit card payments are eating up your disposable income each month, if you need cash to remodel, update landscaping or to buy a new car, a home equity loan or home equity line of credit (HELOC) might be your best bet. In addition to great rates, there’s also a tax advantage. Unlike almost any other … Continue reading “Home Equity Loans: Low-Cost, Tax-Advantaged Credit”
If you’re trying to sell your house, the curb appeal can really make—or break—a sale. Tackling your entire landscape may seem daunting, but starting with these tasks can help make your yard look fresh and inviting, according to CNNMoney.com. Mulch. A fresh layer of mulch provides visual contrast and makes foliage and flowers more eye-catching. Even if … Continue reading “Boost Curb Appeal to Help Sell Your Home”
There are certain milestones that mark important times in our lives. Sitting in car for the first time all alone with our new driver’s license, walking across the stage at graduation, completing college or beginning our first full-time job. These all make us take a pause and feel a huge sense of gratification. Part of … Continue reading “6 Questions First-Time Homebuyers Should Ask Themselves”
According to the Mortgage Monitor Report from Black Knight Financial Services, roughly 6.5 million Americans could benefit from refinancing their home. Are you one of these homeowners? About three million borrowers could save at least $200 a month by refinancing. By refinancing and locking in a better rate on your loan, you could reduce your monthly payment and … Continue reading “Save Money Each Month: Refinance Your House”
Every corner of the personal finance world seems to hammer home the same point: debt is the wealth killer. Debt is the single greatest threat to your retirement planning, college savings and financial independence. Except, as it turns out, there is one kind of debt that defies all of these rules: mortgages. Money you owe … Continue reading “Seven ways to stop worrying and love your mortgage”
Although so much of your research for buying a home can be done online, there’s no replacement for a real estate agent. The right one will help you make a smart decision, point out potential problems in a house you may be considering, and help you find the best home within your price range. However, … Continue reading “Buying a home? Here’s how to pick a great real estate agent”
The good news is that today’s interest rates remain close to historic lows. For people with good credit, it’s not unusual to see mortgage rates below 4 percent. That’s half what they were a generation ago! However, even with low interest rates, it has been difficult to qualify for a refinance. That’s partly because the … Continue reading “Refinancing your mortgage in today’s market”
Having a little piece of the world to call your own has always been a cornerstone of the American dream. Couple it with a picket fence and a dog, and you’ve got a perfect Norman Rockwell vision of Americana. It all begins with home ownership. Yet, for many people, this has been a dream deferred. … Continue reading “Four reasons to make 2015 the year of the homeowner”