• Credit

    5 Tips for People With Bad Credit

    If you’re recently discovered that you have bad credit, you’ll need to find ways to fix it. You may also need to find ways to raise funds for short-term expenses. Fortunately, there are some things you can do. 1. Avoid Payday Loans If you’re in need of quick cash, you can find bad credit loans online or at some banks and credit unions. These loans do have higher interest rates than regular loans, but it’s still possible to pay them off if you’re working on improving your credit. Avoid payday loans because they can have interest rates of 300% or higher, which makes it impossible to pay off any debt…

  • Home Mortgage Pre-approval

    How Long Does a Mortgage Pre Approval Last?

    For first time home buyers, there are numerous steps to take in the home buying process. One of the most critical steps is getting a mortgage pre-approval. But what is that exactly and how long does a mortgage pre-approval last? Here’s everything you need to know if you’ve received a mortgage loan pre-approval letter in the mail. What is a Mortgage Pre-Approval? If you’ve been successfully granted a mortgage pre-approval, congrats! This is one of the most important steps you can take in purchasing your first home. A mortgage pre-approval is when a loan officer reviews your debt, income, credit, and assets and determines if you’re eligible for a mortgage…