Is Now a Good Time to Buy a Home?

It’s an election year and with unemployment not getting any better, stocks going nowhere and news that the housing market isn’t out of the woods yet, many people are left wondering if now is a good time to buy a home. Despite what you hear in the news, there are still cases when buying a home still makes sense.
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Benefits of Debt Consolidation Loans

If you have a great deal of outstanding debt, there are a number of benefits to getting a debt consolidation loan. Consumers who qualify for debt consolidation loans have the opportunity to begin paying down their debt much sooner than they would without one. Here are some of the benefits of using a debt consolidation loan.
One of the first benefits people experience from using a debt consolidation loan is stress reduction. The most common factor known to create stress is debt. By consolidating your debt into one account you significantly reduce stress in your life because you’ve taken the steps necessary to get your debt under control. There’s a peace of mind that comes with knowing you’re back in control of your spending habits having worked with professionals to create a workable plan for paying down your debt.
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Should You Cancel Credit Card Accounts When Refinancing?

It’s a temptation many of us have when we’re looking to borrow money. Should you cancel your credit card account as a way to increase your credit score? Would closing a credit card account impact your FICO score? While situations vary, the answers to these questions may surprise you. With banks and credit card companies charging more fees than ever before consumers have to be on top of their game. Reading the mail and the fine print on bank and credit card statements could be the difference between paying more in interest and securing an attractive mortgage rate when it comes to refinancing your home.
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Best Ways to Prepare for Refinancing Your Home Mortgage

Homeowners can realize significant savings each month when they refinance their mortgage loan to one with a lower interest rate. But how much a homeowner can save depends on the size of the mortgage loan and the amount of interest you can shave off. Before you refinance your home mortgage it’s important to remember refinancing isn’t always simple and it isn’t free. That’s why doing some research before you begin the process so you don’t wind up spending a lot of money to save a little.
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