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Personal Finance

rising food prices

7 rising costs (and how to plan for them)

Bethany Ramos January 21, 2026Home Insurance, Homeowners, Personal Finance, Refinance, Taxes

Reading Time: 3 minutesIf rising costs are putting pressure on your budget, you’re not alone. Food, housing, insurance, debt, …

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bankinghome insurancehomeownersmoney saving tipsrefinance
buying a home with student loans

Can you still buy a home with student loans?

Bethany Ramos January 20, 2026First-Time Homebuyer, Getting Prequalified, Homebuying, Personal Finance

Reading Time: 4 minutesStudent loans don’t disqualify you from homeownership. While student debt affects your debt-to-income ratio, a lender …

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debt managementfirst housefirst time homebuyerstudent loan debtstudent loans
down payment on a house

New 401(k) update: 8 ways to save on your down payment

Bethany Ramos January 19, 2026First-Time Homebuyer, Homebuying, Personal Finance

Reading Time: 3 minutesThe good news? There is no “rule” that you have to save 20% for a down …

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buying a homedown paymentfirst time homebuyersave on mortgagesaving for a down payment
should i refinance

Want to cut costs? 6 smart mortgage moves

Bethany Ramos January 18, 2026Homeowners, Personal Finance, Refinance

Reading Time: 4 minutesIf your mortgage doesn’t fit your life the way it used to, you’re not stuck. A …

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mortgagepay off mortgagerefinancesave on mortgagewhen to refinance
avoid overdraft fees

8 ways to avoid overdraft fees that actually work

Bethany Ramos January 3, 2026Banking, Personal Finance

Reading Time: 3 minutesLife happens, but overdraft fees don’t have to. Overdraft fees are one of the easiest bank …

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bankingmoneymoney saving tipsoverdraft feespersonal finance
HECM

Can you use your home to fund your retirement?

Bethany Ramos August 19, 2025Homeowners, Loan Types, Taxes

Reading Time: 4 minutesWondering how to use your home equity as you near retirement? If you’re 62 or older, …

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choosing a mortgagehecmhomeownersretirementreverse mortgage
how to use home equity

Cashing in on equity: 7 strategies homeowners are using

Bethany Ramos July 22, 2025Homeowners, Personal Finance, Refinance

Reading Time: 3 minutesHome equity is the difference between the current value of your house and the amount left …

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home equityhome renovationhomeownersmortgagereasons to refinance
how to prepare for a hurricane

8 smart ways to disaster-proof your house

Bethany Ramos July 8, 2025Home Improvement, Home Insurance, Homeowners, Lifestyle

Reading Time: 3 minutesYour house is likely to be your biggest investment. If it’s hit by a hurricane, wildfire, …

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diyhome improvementhome insurancehomeownersnatural disaster
how to pay off your mortgage faster

How to pay off your mortgage and save thousands in interest

Bethany Ramos June 24, 2025Homeowners, Personal Finance, Refinance

Reading Time: 3 minutesThe fastest way to pay off your mortgage is to make extra payments toward your principal …

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home loanhome loan payoffmortgagemortgage savingspay off mortgage
best way to build credit

What’s the best way to build credit? 8 strategies

Bethany Ramos May 13, 2025Credit Score, First-Time Homebuyer, Homebuying, Homeowners, Personal Finance

Reading Time: 4 minutesWhile there’s no quick fix for credit repair, paying bills on time builds your credit score …

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bad creditbuying a homecredit scorefinancesfirst time homebuyer
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