Savings Corner

DECEMBER 27, 2023

When you finance the purchase of a home, for example, they include the cost of the home appraisal and home title searches that lenders require. Enter estimates for the price of a home you want to buy, your down payment amount, your interest rate and whether you plan to purchase discount points. Not sure about the interest rate?

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Savings Corner

DECEMBER 25, 2023

Each payment includes a combination of principal and interest, as well as property taxes, and, if needed, mortgage insurance. Sample rates also sometimes include discount points , which are optional fees borrowers can pay to lower the interest rate. Including discount points will make a lender’s rates appear lower.

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The Frugal Girl

FEBRUARY 18, 2024

After I became a mother, finances became much more complicated. While we were still renting an apartment, I researched areas with lower property taxes, scouted out my ideal neighborhoods, and waited for a smaller, less expensive house to come on the market. What’s the “why” behind your money-saving efforts?

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The Frugal Girl

MARCH 4, 2024

Although my parents never specifically taught me about finances, they lived a frugal life by necessity. I learned from the best, but I believe that a personal finance course should be a requirement for both high school and college graduation. I grew up in banking and held other finance-related positions during my working years.

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Savings Corner

APRIL 4, 2024

How to refinance your mortgage What happens when you refinance your home or rental property ? The refinancing process is similar to the purchase mortgage application process: The lender reviews your finances to assess your risk level and determine your eligibility. Your credit score will temporarily take a hit.

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Savings Corner

APRIL 4, 2024

Whether you need money to pay for an unexpected hospital bill, an emergency car repair or to finance some much-needed home renovations , knowing how to get a personal loan will help make the application process as smooth as possible. Some lenders even offer interest rate discounts if you use autopay.

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