Betsalel Cohen
Passionate about helping people improve their finances. Worked in mortgage banking, private banking, and personal financial coaching. When he is not working, he loves running and spending time with his family.
Tax Deductions and MortgagesApr 15, 2024
Mortgage Tax Deduction | Romney introduced the idea of limiting mortgage interest tax deduction. Learn about the types of mortgage tax deductions you can...
Gifting Money for DownpaymentApr 15, 2024
Gifting Money for Mortgage | It is possible to gift money without paying taxes. The receiver can use the gift funds toward a downpayment. Consult with a...
Mortgage Disclosure | The CFPB Loan Estimate FormApr 15, 2024
Mortgage Disclosure - Taking a Loan | The new proposed CFPB Loan Estimate Form aims to bring you clear information. After making an application compare...
Annual Percentage Rate for MortgageApr 15, 2024
APR Mortgage | Using the Annual Percentage Rate for your mortgage can be helpful in comparing offers, but has many limitations. Be sure to include all fees...
Understanding LTV & Your MortgageApr 15, 2024
LTV: Loan to Value | Mortgage lenders look at your loan balance and the value of your house to determine your LTV. Learn how to calculate LTV and the impact...
Second Mortgage Lender | Shop AroundApr 15, 2024
Second Mortgage Lender | Shop for a second mortgage by comparing your current lender, big banks, credit unions, and online sites. Make sure that you know...
Mortgage Basics | Downpayment, Equity and LTVApr 15, 2024
Mortgage Basics - Down-payment, Equity, and LTV | Learn about mortgage terms relating to your property's value and how it affects your mortgage loan. It is...
Mortgage Basics: CreditworthinessApr 15, 2024
Mortgage Basics - Creditworthiness | Learn more about mortgage basics. Lenders evaluate both your willingness to pay an ability to pay. Learn more about..
Understanding the Basic Terms of a Mortgage LoanApr 15, 2024
Mortgage Basics - Understanding Mortgage Terms | The first in a series of 3 articles about mortgage basics explains key mortgage terms including payment...
Freddie Mac OverviewApr 15, 2024
Freddie Mac | Freddie Mac helps to make money available in the mortgage market, which means lower interest rates for you. Learn about Freddie Mac programs....
7-1-ARM |Saving with an Adustable Rate MortgaeApr 15, 2024
7/1 ARM Loans | The 7/1 ARM has a low payment because it is for 30-years, but starts with a lower payment than a 30-year FRM. However, your interest rate...
10-Year ARM (Adjustable Rate Mortgage)Apr 15, 2024
10-Year ARM | Most Adjustable Rate Mortgages have a shorter initial period. Before taking a 10-Year ARM make sure that you can afford the payments and save.....
Mortgage Complaints |Know Your RightsApr 15, 2024
Mortgage Complaints | The CFPB published a report in July 2012, including data about mortgage complaints. Learn about the major complaints and ways to avoid...
Bill Consolidation and CreditApr 15, 2024
Your credit score and history make a difference when choosing bill consolidation options. Also, once you choose a program your credit score will be affected.
Utility CollectionApr 15, 2024
Steps you can take to keep the heat and lights on when you cannot pay your utility bill. Learn the secrets of utility debt collection...
CFPB Supervisory Report | Credit MarketsApr 15, 2024
CFPB Supervisory Report | The CFPB issued its first supervisory report and identified problems in the mortgage and credit markets. Learn to be an educated...
Indiana Collection LawsApr 15, 2024
Learn the statute of limitations for credit card and other debts, and what amount is exempt from an account levy in Indiana. The first $350...
Various Types of Debt Consolidation Loans for Bad CreditApr 15, 2024
There are different types of bad credit debt consolidation loans. If you have bad credit and various types of debt, such as mortgage, credit card, or student...
Consolidate Debt & CreditApr 15, 2024
Consolidate debt to save money. Review these important quick tips before you choose a consolidation option, so you find the right solution for your specific...
Credit Card Complaints - CFPBApr 15, 2024
Credit Card Complaints | The CFPB not only educates the consumer about credit card but also accepts complaints and follows through with...
Sacramento Debt Relief Apr 15, 2024
Find Sacramento County debt consolidation resources, information, and advice on how to get your finances back on track. Free information from Bills.com.
CKS Financial: How to Handle a Debt CollectorApr 15, 2024
CKS Financial is a collection agency that purchases debt and also acts as an agent for original creditors and third-party debt buyers. Learn how to...
Credit Card Late Payments Apr 15, 2024
Credit Card Late Payments | Consumers are running up higher credit card debt and late payments. The holiday season is especially difficult. Take steps to...
Bankruptcy & Debt SettlementApr 15, 2024
Learn the advantages and disadvantages of bankruptcy & debt settlement for resolving debt. A chapter 7 bankruptcy is fast, but you may not qualify. Debt...
Top Loan Consolidation OptionsApr 15, 2024
Loan consolidation uses a new loan to pay off existing debts. Three loan consolidation strategies are student loans, personal loans, and mortgage loans.
Collections AdviceApr 15, 2024
Debt collections advice | Free tips on how to deal with an account in collections. Review your Fair Debt Collection Practices Act rights, so you aren't...
5 Ways to Consolidate Credit Card DebtApr 12, 2024
Credit card consolidation combines some or all of your debt into one monthly payment. Find the best way to consolidate credit debt, including a personal loan...
Debt Consolidation Loans with Bad Credit April 2024: Rates, Reviews & OptionsApr 12, 2024
Is a debt consolidation loan for bad credit a viable option? Learn how the loan works, how your credit affects your rates, and which lenders offer bad credit…
Capital Management Services - Deal with collections | Bills.comApr 12, 2024
Capital Management Services is a legitimate debt collection agency. If they appear on your credit report or called or contacted you, then follow these steps...
13 Money Saving TipsApr 12, 2024
13 Money Saving Tips | Simple ways to put more money in your pocket each month and watch your savings grow over time. The most important step is to start...
How to Handle a Debt Collection Call from Cavalry Portfolio Services 2024 | Bills.comApr 12, 2024
Cavalry Portfolio Services is a major debt collector. If they appear on your credit report, or they called or contacted you, then take these steps to...
NCB Management: Handling Debt Collection Call 2024 | Bills.comApr 12, 2024
NCB Management is a major debt collection agency that buys debt and handles original and third-party creditors. If they contact you or appear on your...
Debt Snowball - Pay Off DebtApr 12, 2024
Snowball Debt Calculator | Are you looking for the right way to pay off your debt? Use Bill.com's Optimize Payment Calculator to save money and pay off ...
2018 Starts with Higher Debt LevelApr 12, 2024
The amount of household debt in the US is increasing. While there is no conformity across states, debt levels are rising, especially student loans and auto loan
15-Year Mortgage Loan | Lower CostsApr 11, 2024
15-Year Mortgage Loan | You can save money and build equity by taking a 15-year home purchase or refinance mortgage loan. Make sure that you can....
HUD Organization and LoansApr 11, 2024
HUD | The Housing and Urban Development Dept. oversees the federal government's housing policies. Learn about HUD and HUD loans, including FHA loans and...
30-Year Fixed Rate MortgageApr 11, 2024
30-Year Mortgage Loans | If you are looking for a purchase home loan or a refinance mortgage loan, start with a 30-Year mortgage loan that offers affordable...
Interest Only Mortgage Apr 11, 2024
Interest Only Mortgage Loans | If you have fluctuating income, end of year bonuses then you might consider an Interest Only Loan, but learn if it...
Forty Year MortgagesApr 11, 2024
40-year mortgage loan | A 40-year mortgage loan has low initial payments. However, it is a rare product and carries risks. Learn the different alternatives...
10 Year Fixed Mortgage LoansApr 11, 2024
10-Year Mortgage Loans | If you want to finish your mortgage loan quickly, than a 10-year FRM (Fixed Rate Mortgage) is an alternative, but...
Finding a Great MortgageApr 11, 2024
Purchasing a home? Learn how to find a great mortgage from Bills.com - your complete source for saving money.
Debt Help CompaniesApr 11, 2024
Debt Help Companies for Payday Loans | Find debt help companies that meet your needs, so that you can get Debt Free Fast and Save!
Credit Consolidation ServicesApr 11, 2024
You have many credit consolidation services companies to chose from and it is important you research your options. The tips and solutions we shared here can...
Debt Payoff StrategiesApr 11, 2024
There are different strategies for paying off debt. In order to manage your debt review your financial situation and then check out the best way to deal with..
How to Handle a Debt Collection Call from Avante USA 2024 | Bills.comApr 11, 2024
Avante USA is a collection agency that aggressively works with third-party and original owners of the debt. Protect yourself by taking these steps...
Debt Assistance is AvailableApr 11, 2024
If you are struggling with debt, or having trouble creating and maintaining a budget, then look for a professional debt assistance program. It can help you...
Debt NegotiationApr 11, 2024
Debt negotiation is a solution for people in a hardship. Carefully look at your situation and debt relief options. Choose between a do-it-yourself approach...
Bill ConsolidationApr 11, 2024
Bill consolidation simplifies your bill-paying, helps you pay off debt quicker, and saves money. Choose a debt consolidation loan or other ways to...
Debt Settlement HelpApr 11, 2024
Debt settlement help | Debt settlement help may be the best way to get out debt. Choose a debt settlement firm that follows FTC rules that prohibit upfront...
Business Line of Credit Debt SettlementApr 11, 2024
Business Line of Credit Debt Settlement | If you can't afford to pay your business line of credit look for debt relief options including debt settlement and...