By Katie Conroy Buying a home is one of the biggest — and most stressful — decisions many of us will ever make in our lifetime. And for those of us who work as freelancers or independent contractors, the home buying process is made even more stressful — especially when […]
Credit
11 posts
Low mortgage interest rates have created a great opportunity for many homeowners to refinance their mortgages, resulting in lower monthly payments or extra cash to pay off debts. But what about people who have low credit scores and may have trouble qualifying for a new loan? We asked Roslyn Lash, […]
If you are applying for a mortgage loan you need to know what to do, what lenders expect, and what you should expect during the loan application process. Lenders want to know that you have the three C’s: Capability: You have the income to support the mortgage payment Credit: You’ve […]
Are you debating about placing a credit freeze on your account? If so, I understand! We’ve experienced some major security hacks. We’ve had breaches from department stores, email accounts, Equifax (that was major!), and now Facebook is under attack. So the question becomes, “should I freeze my accounts”? It only […]
Low interest mortgage rates have given some homeowners the option to refinance their mortgage and free up extra cash, either through lower monthly mortgage payments or a “cash out” refinance in which they borrow against the equity in their home. Homeowners can use this money in a variety of ways, including […]
By Roslyn Lash, AFC® Perhaps you need help with managing your money but you don’t know which professional to contact. You’re wondering if there’s a difference between Financial Counseling/Coaching and Financial Planning? The answer is yes. Both professionals can provide online services. The differences are in the services performed. An Accredited Financial Counselor […]
By Roslyn Lash It’s easy to spend more than you planned when buying a car. The nicer, more expensive cars are generally parked prominently on the showroom floor, while the average, more affordable cars are less visible. Once you see those shiny cars, it’s easy to become so excited that […]
By Roslyn Lash A credit score provides a summary of your credit history. The higher the score, the more creditworthy you appear, and the more likely you are to obtain the type of financing that you seek. Studies have shown that the more creditworthy a person is, the less likely their home will […]
There are several characteristics that a person must have in order to live a spiritually fulfilled life. According to Galatians 5:22-23, there are nine attributes. These are famously known as the Fruit of the Spirit. Regardless of your religious beliefs, I’m sure that you will agree that possessing Kindness, Goodness, Discipline, […]
By Roslyn Lash, AFC® Getting a new job, buying a car, buying a home — all of these milestones are both exciting and at times stressful. For many women, these are wonderful goals that help push them forward and define their success. But as women build their careers, start families and consider […]