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Hybrid Option Arm Mortgages

By Team iBizExpert On April 10, 2022 12:55 AM No Comments

In today's market, interest rates are higher than they have been in recent years. This means that monthly payments for a traditional 30-year mortgage are getting harder and harder for first-time homebuyers, real estate investors, and property...

Credit Card Late Fees - How To Avoid Them

By Team iBizExpert On March 22, 2022 11:48 AM No Comments

People often use credit cards to pay their bills now. It's very convenient because you don't have to take cash out of your pocket to pay. Even though credit cards are easy to use, the company that issues them charges a fee. Paying credit card...

Car Loans

By Team iBizExpert On February 20, 2022 08:54 PM No Comments

Most people will make one of the biggest purchases of their lives when they buy a new car. Except for their home and maybe their education, there aren't many personal purchases that are as big as buying a new car. Because of this, it's not...

Refinance & Mortgage Tips: Your Down Payment Is Key

By Team iBizExpert On February 14, 2022 12:22 PM No Comments

The first thing you need to do if you want to buy a house is figure out how much of a down payment you can make. This may sound like something your dad would tell you, but there are a few good reasons why knowing how much you can put down and...

Mortgage & Refinance Tips: Determining Your Income

By Team iBizExpert On February 13, 2022 08:34 PM No Comments

When you want to refinance, consolidate debt, or buy a house with a mortgage, one of the most important things is how much money you make. That might not seem like much of a surprise, but you might be surprised by how many different ways your...

Mortgage & Refinance Tips: Debt To Income Ratios

By Team iBizExpert On February 13, 2022 06:58 PM No Comments

"DTIs," or "Debt to Income Ratios," are a key calculation that is used when applying for a mortgage to refinance, consolidate debt, or buy a home. Divide your monthly debt payments by your income before taxes to get your debt-to-income ratio....

Balance Transfer Disasters

By Team iBizExpert On January 04, 2022 02:03 AM No Comments

In the credit card business, the number of cards with 0% interest rates has grown quickly. These have happened because national interest rates are very low and there is a lot of competition from American lenders like Capital One. People now agree...