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So many people have fallen for the credit score scam at car dealerships! Don’t become one of the millions. Make sure you know your score before going in to buy a car! If you don’t you might get surprised with a piece of paper with small number circled in red on it. The dealer […]

You should know a few things about discount points and origination fees before applying for a loan. It varies at different lenders but commonly each “point” equals 1% of the loan amount. That means 2 points on a $100,000 loan cost $2,000! The more points you have, the lower the interest rate because they […]

Even a trip down the road for a few days can be a great family vacation. The most important thing would be to make sure that you have something fun for everyone. When you start planning your budget you need to look at what your wanting first. A nice family time with something for […]

If your credit score is under 750 then you can forget about getting awarded the desired 0% APR in financing your car. Your credit score is the most important factor in determining your APR and what kind of loan you will get approved for to finance your car. If your score is low then […]

When looking for a mortgage loan, you need to first find out how much you can afford in order to save both time and stress. There are several factors when finding out how much you can afford and the first thing you should do is calculate your total monthly income. This can include not […]

There are two different types of mortgage loans available. Fixed rate loans and variable rate loans. The fixed rate loan is secured with an interest rate that never changes, unless you refinance the loan.
With fixed rate loans you have the choices of 30 year, 15 year, biweekly and convertible loans. Some banks may offer […]

There are two different types of mortgage loans available. Fixed rate loans and adjustable rate loans. The adjustable rate loans usually start off with a lower interest, but the interest will change throughout the life of the loan.
The adjustable rate mortgage is found in four different parts. The initial interest rate, the adjustment interval, […]