All posts by J.R.
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September 26, 2017

5 Roadblocks for Freelancers Getting Mortgages

Freelancing is a thing, there’s no dispute about that. As more of us leave the 9-5 world to create our own companies, we’re encountering a litany of difficulties when it comes to taxes, health care and, perhaps the toughest of them all, mortgages. Being a freelancer myself and having secured a mortgage earlier this year, I know the pains and roadblocks waiting for you as you take the first steps to pre-qualify for a mortgage and go through the financial gauntlet that is the home-loan application. So to help ease your process, I’ve generated a list of five different mortgage roadblocks freelancers can face, many of which are based on my own recent experience of being [...]

 
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August 31, 2017

Five Expert Tips for Handling Homeowner’s Insurance Claims After a Disaster

As the last of Hurricane Harvey’s rains pelt an already waterlogged Houston and its surrounding communities, homeowners are no doubt taking the first steps in filing insurance claims on their damaged homes and property. Exactly how homeowners should navigate this claims process is information that’s more pertinent now than ever, so we’ve reached out to experts to find out five solid tips you should keep in mind as you begin the claims process.

Your Insurance Agent Should Be Your First Call

Lisa Lindsay has been in the insurance industry for more than three decades and she’s the executive director of Private Risk Management Association, a collaborative [...]

 
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August 29, 2017

Four Things to Remember When You Use a State Bond Program for Your Mortgage

The days when consumers could offer up a 20% down payment are long gone now. In fact, the National Association of Realtors estimates that the average down payment in 2016 was right around 11%. But even 11% can seem out of reach to homeowners, especially when you consider the average price of a purchased home in December 2016 was $390,100. At that price, the average down payment would be $42,911, which, for most of us, seems like a pretty intimidating amount of money.

I know that intimidation well; my wife and I went through the home buying process for the first time earlier this year. Luckily, Florida had a state bond program designed specifically to help homeowners pay for [...]

 
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February 16, 2017

The 5 Best Credit-Friendly Cities to Start a New Family

If you want to live in a city known for its great credit scores, you better bundle up. This past winter, credit bureau Experian released their 2016 State of Credit report. The study listed the 10 cities with the best average credit scores in the country. Some were small towns and others were big cities—most were in Minnesota or Wisconsin.

The scores of the top 10 cities started at Madison, Wisconsin’s 702 and topped out at Mankato, Minnesota’s 708.

A little extra research into these scores revealed incomes tended to be higher in these cities, but, based on the research we’ve done, we know that credit scores have a lot to do with on-time payments and [...]

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