Lorraine Roberte

How Do Car Loans Work? Your Guide to Auto Financing

Car loans split the cost of a vehicle into monthly payments, but your credit score, down payment, and loan term all shape what you actually pay in interest.

How Much Does It Cost to Refinance a Mortgage?

Refinancing typically costs 3% to 6% of your loan, often $9,000 or more on an average mortgage, and most of that goes to fees you can actually shop around for or negotiate down. Whether it's worth it comes down to how long you'll stay in the home versus your break-even point.

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.

The Car Loan Hack: How a New Tax Law Could Let You Deduct $10,000 in Interest

The No Tax on Car Loan Interest deduction lets eligible buyers deduct up to $10,000 in auto loan interest per year through the 2028 tax year. Most borrowers will save a few hundred to a few thousand dollars over the life of their loan, depending on their income, tax bracket, and loan size.

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.

Can You Get a Mortgage With Student Loans? What Lenders Really Look For

Student loans don't disqualify you from getting a mortgage, but how your lender calculates your qualifying payment can vary significantly by loan program. Comparing programs like Fannie Mae, FHA, and VA loans, and getting pre-approved early, can make the difference between approval and denial.

Can You Get a Business Loan Without a Bank Account? What Entrepreneurs Need to Know

Most traditional business loans require a bank account, but nonprofit microlenders, platform-native fintech lenders, and personal loans are realistic alternatives. Opening a business bank account before you need financing remains the smartest move, since it significantly expands your options down the line.

Top 3 Best OnDeck Alternatives in 2026: Small Business Lenders Worth Considering

OnDeck is a well-known online business lender, but its rates, loan caps, and qualification requirements aren't the right fit for every business. Biz2Credit, SoFi, and Fundera are strong alternatives depending on how much you need, how quickly you need it, and your credit profile.

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.