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Down Payment Assistance Programs Help First-time Homebuyers

Many potential first-time homebuyers struggle for years to save enough for a down payment. What they don’t realize is that there are many down payment assistance programs available that can make it easier to get into a home sooner. Let’s take a look at down payment assistance programs. Who Can Receive Down Payment Assistance?   […]

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Should I Ask for a Credit Limit Increase?

All new credit cards come with a credit limit, which is the amount you can charge up to on that card. Depending on the type of credit card and your credit history, the credit limit may be anything from a few hundred to many thousands of dollars. After you’ve used the card for a while, […]

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What Happens with a Credit Card Delinquency?

When you’re running short on cash, it might not seem like a big deal to miss a credit card payment or two. You’ll make plans to catch up the following month, only to find that money is still tight. By the time the late payment hits the 30-day mark, the delinquency can start to affect […]

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Everything You Need to Know About Credit Limits

Using credit responsibly includes understanding credit limits and how they can affect your finances. Let’s take a look into some common questions surrounding credit limits and what they mean for consumers. What is a Credit Limit? When a consumer opens a new credit card, that card includes a credit limit, which is the amount of […]

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Do You Need Housing Counseling & Homebuyer Education?

Buying a home has long been considered a key part of the American dream. It is also the largest investment most people will ever make, so it’s important to make informed decisions throughout the process. That’s why we are pleased to offer Homebuyer Education courses that empower consumers with the information they need. Let’s take […]

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Point-of-Sale Loans — What You Need to Know

Remember layaway? It was a service many retailers offered that allowed customers to buy now and pay later without using credit cards. A customer would select their items, place them on layaway, make a small down payment, and then pay the balance in installments. Once paid-in-full, the customers took home their items. It was an […]

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What You Need to Know About Private Student Loans

When most people hear “student loans,” they’re thinking of federal student loans that are issued by the Department of Education and managed by a variety of loan servicers. But in addition to these widely known federal student loans, there are also private student loans. These are loans issued by banks or other financial institutions directly […]

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What is a Charge-Off & How Does it Affect Credit?

Of the many things that can affect a consumer’s credit report and score, having one or more accounts showing as “charged off“ is among the most harmful. Consumers with charge offs on their credit report will have difficulty obtaining any new credit. And what credit they are able to acquire will come with exorbitant interest […]

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Should I Use Retirement Savings to Pay for Emergencies?

The CARES Act makes it possible for consumers to take up to $100,000 from their 401(k) or 403(b) retirement plans with no penalty. And, although it is taxable, they can pay the taxes over three years. The normal 20% withholding is waived as well. The legislation passed because many people are facing significant financial challenges […]

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Why Do Creditors Close Credit Cards Without Notice?

Have you ever tried to use a credit card, only to discover it’s been closed without your knowledge? Or checked your credit report to find your score had dropped because the creditor closed your longest-standing account without letting you know? Having credit accounts closed when you haven’t initiated the closure can send your finances — […]

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