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Finance

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How Often Can You Refinance Your Mortgage?
Finance·3 min read

How Often Can You Refinance Your Mortgage?

Generally speaking, you can refinance your mortgage as often as you want. However, some lenders or loan types require a waiting, or “seasoning,” period before you can refinance your old loan into a new one. It can make financial sense to refinance multiple times, especially if mortgage rates are lower now than when you got your existing loan. But you’ll want to weigh the pros and cons, because you might not always come out ahead financially. Here’s what to consider.

How to Refinance a Mortgage: A Beginner’s Guide
Finance·3 min read

How to Refinance a Mortgage: A Beginner’s Guide

Do lower mortgage rates have you thinking about refinancing? You’re in good company. But refinancing your mortgage isn’t free — you’ll pay upfront fees (usually thousands of dollars). Still, it can make financial sense over the long term. A mortgage refinance can lower your monthly payment or help you pay off your loan sooner. Below, we break down how mortgage refinancing works and how to decide if it makes sense for you.

How to Get a Mortgage
Finance·3 min read

How to Get a Mortgage

Not sure how to get a home loan? Here's a step-by-step guide. Getting a home loan can be a confusing and stressful process to navigate, but knowing what to expect before you apply can help you stay organized and feel more in control.

How to open a bank account online
Finance·3 min read

How to open a bank account online

Opening a bank account online is faster, easier, and often more profitable than visiting a branch. The entire process — from choosing an account to making your first deposit — typically takes less than 15 minutes. Here’s exactly what you need to do, what documents to have ready, and which account types make sense for your situation.

How to pick the right credit card for you
Finance·3 min read

How to pick the right credit card for you

There’s no lack of options when you decide you want a new credit card. And when you’re bombarded with mail offers, advertisements and emails urging you to apply, making that decision can quickly get overwhelming. The right credit card for you should be one that is personalized to fit your needs. So if you’re not sure what to look for in a credit card or how to choose the right credit card for your lifestyle, these tips will help you narrow it down. We’ll help you figure out what perks to keep an eye out for, how to choose the right type of rewards cards for you and whether the annual fees for these cards are worth it.

What Is Online Banking? Definition, Pros and Cons
Finance·3 min read

What Is Online Banking? Definition, Pros and Cons

Traditional banks and credit unions with branches typically let customers access their accounts through the internet, too. But online banks and providers offer primarily mobile access. You won’t meet a banker face to face, but with a mobile device or computer, you can reach your account anytime. Here's a closer look at online banks.

Can You Get a Startup Business Loan With No Money?
Finance·3 min read

Can You Get a Startup Business Loan With No Money?

It can take time for a new business to earn revenue. And while it’s possible to get a startup business loan with no money, you’ll likely qualify for better rates and terms once your business’s finances are stronger. If you can’t afford to wait for a small-business loan, there are some financing options available for businesses without revenue.

How to Apply for and Get a Business Loan in 6 Steps
Finance·3 min read

How to Apply for and Get a Business Loan in 6 Steps

If you’re wondering how to get a small-business loan, you’ll want to devote the necessary time to do your research and find the best fit. It can take months to receive funding, particularly for loans guaranteed by the U.S. Small Business Administration, which often involve a longer application process. Carefully exploring your business loan options can help ensure you apply for the right product, increase your chances of approval and avoid unnecessary delays or expenses. Here are six steps to apply and get a small-business loan.

How to Get a Personal Loan in 7 Steps
Finance·3 min read

How to Get a Personal Loan in 7 Steps

Shopping for a personal loan doesn’t have to be complicated. Understanding how to get a personal loan — including where to start, what you need to apply and how to compare offers — can help you select the best personal loan. Below are seven steps to help you navigate how to get a personal loan.

Money Management: 4 Steps for Taking Control of Your Finances
Finance·3 min read

Money Management: 4 Steps for Taking Control of Your Finances

What is money management, exactly? It’s a plan for your money so you can make the most of it. This plan typically involves budgeting and saving money, avoiding or reducing debt and investing in your future. If learning how to manage your money sounds intimidating or stressful, take it one step at a time. Below are money management tips to help you gain control and, more importantly, peace of mind.