10 Cities Where Your Mortgage Payment is Less Than $500 Affording a house is tough, but in these cities, even someone with a modest income might afford the monthly payment. by Tim Lucas in Real Estate January 5, 2024 5 min read
10 Cities Requiring $25,000+ Monthly Mortgage Payments Thought your city was expensive? In these cities, you'll need to spend over $25,000 per month on your mortgage. by Tim Lucas in Real Estate January 4, 2024 6 min read
Choosing Between a Conventional, FHA, and VA Cash-Out Refinance There are 3 main types of cash-out refinances. This gives homeowners options when tapping equity in their homes. by Tim Lucas in Home Loans December 18, 2024 9 min read
$1 Trillion in Credit Card Debt is Crushing Americans. Time to Consolidate Using Home Equity? The equity in your home could help you tame credit card rates now commonly as high as 30%. by Tim Lucas in Home Loans January 3, 2024 11 min read
The Average Medical School Grad Owes $250,000 in Student Debt. Can They Roll it Into Their Mortgages? How doctors can consolidate student debt and potentially reduce monthly costs. by Tim Lucas in Home Loans January 1, 2024 4 min read
Is It Worth Taking a Higher Rate on a Cash-Out Refinance? Tapping home equity with a cash-out refinance could give you a higher rate. Is this ever worth it? by Tim Lucas in Home Loans December 30, 2023 6 min read
10 Ways to Get a Cash-Out Refinance with a High DTI Getting a cash-out refinance requires a lower debt-to-income ratio than for a home purchase loan or no-cash refi. Here's how to increase chances of approval. by Tim Lucas in Home Loans December 28, 2023 5 min read
Got a HELOC? It Could Be Time To Wrap It Into Your First Mortgage HELOCs can help you accomplish many financial goals, but with a high variable rate, you might want to consolidate it into your primary mortgage. by Tim Lucas in Home Loans December 27, 2023 7 min read