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Lorraine Roberte

Lorraine Roberte

Debt and Mortgage Expert

Lorraine Roberte is a trusted debt and mortgage expert for Besmoney.com. As the CEO and Founder of Crafty Writing, she specializes in personal finance and insurance content. She has written for leading publications like AAA, GoodRx, Investopedia, PNC Bank, CNN Underscored, Bankrate, and many more. She does the hard work of breaking down complex financial topics like loans, mortgages, debt, and insurance coverage to help readers make confident decisions.

Posts by Lorraine Roberte

12M Loans Qualify for a Mortgage Assumption: Here’s How to Inherit a 3% Rate

A low mortgage rate can feel like a thing of the past, unless you can take over one that already exists. That’s the appeal of an assumable mortgage. Instead of applying for a brand new loan at today’s rates, a buyer may be able to step into the seller’s existing mortgage, including its lower interest rate and remaining loan terms.
Read MoreJun 2, 2026
A home owner that qualified for a mortgage assumption.

Zero Down Payment Home Loans: How to Buy a House With No Money Down

Zero-down home loans let you finance 100% of a home's purchase price, but closing costs, higher interest, and cash reserve requirements still apply. Choose the right loan type for your situation and make sure you can cover the costs that come after closing.
Read MoreJun 2, 2026
A woman who has purchased a home with a zero down payment home loan.

Debt Consolidation Loans Are at Record Highs—Should You Get One?

A debt consolidation loan can lower your interest costs and simplify repayment, but only if you consolidate the right debts at the right rate. Whether it's worth it depends on your APRs, repayment terms, and ability to stick to a budget.
Read MoreJun 2, 2026
A woman contemplating whether it's worth it to get a debt consolidation loan.
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