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Accounting

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IntroLend

With interest rates currently at a three-year low, it is clear that home values are on the rise. This makes it a great time to purchase a home — especially for first-time buyers. However, buying a home is no cakewalk; it must be handled with great care, and you must be prepared before applying. Here are a few important tips to get you started in the right direction.

1. Pull your credit report

First, check your credit report. Then, search for a mortgage lender who lends to people with your score. Before filling out the papers for a home mortgage loan, you may want to take a peek into your credit file. Having adverse credit can not only limit the amount the lender is willing to let you borrow, but it can also cause you to pay a much higher interest rate in comparison to someone with average to excellent credit. If you have serious debts on your credit file (such as outstanding loans, bankruptcy, or a high amount of debt), this can stop you from even obtaining...

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MoneyTips

Graduation for the Class of 2021 is here. Some college graduates have studied physics and will pursue rocket science as a career. Others plan to become doctors, memorizing every bone in the body, while a few are walking encyclopedias when it comes to history. But how many of them can – and do – balance a checkbook?

According to the Pew Research Center, 52% of Americans between the ages of 18 and 29 still live with one or both of their parents. This could be attributed to the nation's student loan debt, which stands at an all-time high of $1.6 trillion, and the job market that keeps graduates in internships and minimum wage positions for years after college. That means many recent college grads have never paid their own rent, balanced a checkbook or created a budget, much less learned to live on one.

The good news in this grim statistic is that learning the basics of personal financial management isn't really all that difficult. Here are seven personal finance st...

MoneyTips Gift To College Grads: Your Credit Report

5 Credit Tips For New College Grads

Retirement Is Not That Far Away

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A bad credit score can make it difficult for you to qualify for a loan. If your score is too low, this increases the chances of having your loan denied. And even if a lender approves your loan, you will likely be charged a higher interest rate. Since lenders often use different credit scoring models […]

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