Hub News

Damaging Credit Mistakes To Avoid At All Costs

Very few consumers have truly perfect credit, but a strong score is essential if you hope to be approved for a major purchase, like a house or car. Avoid the following mistakes to maintain a creditworthy status among lenders. Paying

Private Lenders Are Offering Home Loans to Borrowers Rejected By Banks

Since the financial crisis, many traditional mortgage lenders have retreated from financing borrowers who appear risky, due to poor credit scores, a troubling debt-to-credit ratio or less than a 20 percent down payment. Seeing a hole in the market, some

The Lending Lexicon: Mortgage Terms to Know

Most prospective home buyers walk into the process knowing the basic terminology associated with mortgage loans, interest rates and closing costs. When it gets down to the nitty-gritty, however, many become lost in the jumble of letters, numbers and multisyllabic

Three Things to Know About EMV ‘Chip’ Credit Cards

EMV or “chip” credit cards are the new standard for credit cards equipped with computer chip technology. There are currently more than a billion in circulation, so many consumers are already using them. The embedded identity theft protection feature means

Mortgage Refinancing: What To Expect

As mortgage rates continue to hold steady at near-historic lows, many homeowners are considering a refinance. This means applying for a new loan with better terms, which will typically allow for lower monthly payments, a faster pay-off, or both. If

Mortgage Rates Fall to 2012 Lows Due to Global Economic Unrest

The month of April saw mortgage rates plummet, hitting dramatically low rates not seen since the end of 2012, when the financial crisis sent 30-year fixed mortgage rates to an all all-time low of 3.31 percent. As May began, rates

Zillow Research Uncovers Keywords That Help Sell Your Home Faster

Whether you’re selling your home on your own or using a real estate agent, the listing description can make all the difference in attracting buyers and getting top dollar for your property. New research from Zillow Digs has uncovered the

Home Improvement Projects With the Best ROI

If you’d like to update your house but aren’t sure where to begin, it can help to look at it from a buyer’s perspective. If it’s possible you’ll sell your home within the next 5-10 years, it’s important to choose

Auto Loans: Direct Lending vs. Dealership Financing

According to the Federal Trade Commission, average prices for a car purchase are more than $31,000 for a new model and $17,000 for a used model. Since a majority of consumers can’t afford to pay cash, most buyers end up

Credit Cards with Cash Perks are Becoming More Prevalent

Yahoo News reports that there has never been a better time to take advantage of credit cards with cash perks, as banks and credit card companies are ramping up rewards programs and maximizing cardholder benefits. “We’re seeing higher rewards than

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