Joseph Hogue's Blog, page 108
January 23, 2020
What You Don’t Know about Deferred Interest is Costing You Thousands
Deferred interest on a loan isn’t as great as it sounds and could end up costing you a lot of money With interest rates and home prices creeping higher, I’ve started to see the return of a deferred interest and other deferred programs in loans. It’s something that became very common before the housing bubble […]
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January 21, 2020
Can You Trust P2P Loans with No Credit Check?
No credit check loans online may not be all they seem even when they come from peer-to-peer platforms. Your credit report is there to help youget a loan, to show lenders that they can take a chance lending you the money you need. So why is it that for so many people, a credit check […]
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January 16, 2020
How a Portfolio Loan Can Help You Get a Mortgage on Bad Credit
A portfolio loan can be your opportunity to lower rates and other benefits for a mortgage The economy has boomed since the housing bubble burst but that hasn’t made it any easier to get a mortgage loan. The Mortgage Bankers Association reports that lenders reject one out of every two loan applications. One type of […]
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January 14, 2020
Is a 630 Credit Score Bad Credit? [and how to fix it]
Having a 630 credit score puts you on the edge of unlocking all the benefits of good credit Credit scores are a mystery to most people, but they affect your life in more ways than you might imagine. Having a bad credit score can keep you from more than just getting the money you need. […]
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January 9, 2020
10 Types of Loans and Which is Best for You
The Best Types of Loans for Your Need and How to Get the Best Rate So much time is spent talking about how to pay down debt and why you should avoid debt altogether that it’s easy to forget there are many different types of debt. Use any one type of loan for the wrong […]
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January 7, 2020
Loan Principal, Tricks Lenders Play and How to Pay Off Loans Fast
Understanding loan statements and concepts like loan principal can help you save thousands Have you ever gotten a loan statement and thought it looked like a foreign language? What do all the numbers and accounting jargon mean? Understanding your mortgage statements along with concepts like loan principal and interest charge can help you save thousands […]
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January 1, 2020
What is a Good APR [and 5 Steps to Get One]
Understanding the difference between APR and interest rate will help you get a good APR on any loan Ever wonder why there is so much technical jargon in lending? You’ve got an interest rate and an annual percentage rate (APR). Your payments are calculated with a formula that only an MIT grad could understand. It’s […]
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December 30, 2019
5 Things You Can’t Do with Bad Credit
Before you miss that payment, check out this list of things you can’t do with bad credit and get out ahead of your credit problems Everyone takes their credit score for granted until they need a loan. The simple fact is there are things you just can’t do with bad credit. The debt-free crowd will […]
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December 26, 2019
4 Keys to Saving Money and Moving to Your Dream Destination
Many people have that one destination they return to again and again, as there is something about it that makes them feel calm, relaxed, and happy. Are you considering a move to Canada? Calgary is one of Canada’s most famous cities, home to more than a million people, it has a lot to offer as […]
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Best Credit Monitoring Services to Stop Identity Theft
There’s no one best credit monitoring service but there are a few that offer some great features to stop identity theft A new case of identity theft happens every two seconds in the United States! That’s more than 40,000 people every day that get their credit hacked. We’re living in the Wild West of digital […]
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