Buying a home can be an expensive and risky proposition. You may not be familiar with the market in the area, or home values there can be hit or miss. When your offer is accepted by the seller, you’re both bound to the contract. As the buyer, if you back out for a reason not allowed by the ... Read More about Appraisal Contingency: Do I Need It?
Finances - 401K Planning A lot of workers are increasingly on their own when it comes to providing for their retirement. Pensions are all but unheard of outside of the government. Heavily-unionized industries, other employers and the government have increasingly transferred more and more ... Read More about Where Are You on Your 401K Planning?
New Year's Resolutions have become very cliche because many argue against putting off goals and positive changes until a new year arrives. And yes, there is validity in these words of wisdom: never put off until tomorrow, what you can accomplish today. Though procrastination should be ... Read More about Are you still following those Resolutions?
It has been said that only if your new interest will be at least two points under your current rate, should you refinance your mortgage. Perhaps that was good advice a number of years ago, but as refinance costs have been getting lower, it may be a good time to take a serious look. Refinancing your ... Read More about When is Refinancing Worth it?
Since we live in an automated society, it's not surprising that your ability to repay your mortgage comes down to a single number. The FICO score is created by credit agencies. These agencies use the payment history of all of your loans: credit cards, mortgages, car loans etcetera. All three ... Read More about FICO Credit Scores: What Do They Mean?