Sr. Content Writer

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.

November 29, 2012

Conforming Loan Limits | Fannie Mae and Freddie Mac's basic conforming (and high area) loan limits remained the same for 2013. Learn about your option...


November 22, 2012

Credit Card Late Payments | Consumers are running up higher credit card debt and late payments. The holiday season is especially difficult. Take steps...


November 22, 2012

Reverse Mortgage Complaints | High pressure and false advertising lead some borrowers to take reverse mortgages. Make sure that a reverse mortgage is ...

November 15, 2012

Hurricane Insurance and Hurricane Sandy | Make sure that you have the proper insurance coverage to cover natural disasters. Get tips on how to deal wi...


November 8, 2012

FHA Bailout and Getting a Mortgage | A FHA bailout could potentially hurt a housing recovery by making it harder to get FHA loans. Learn about the imp...

November 5, 2012

HARP 2 Mortgage Updates | The HARP 2 mortgage has stepped up helping more borrowers, with high LTVs. However, you need to shop around to find the best...

November 1, 2012

CFPB and High Cost Mortgage Loans | The CFPB proposed a rule to include HOEPA protections and disclosure to purchase mortgage loans. By learning how t...

November 1, 2012

CFPB Supervisory Report | The CFPB issued its first supervisory report and identified problems in the mortgage and credit markets. Learn to be an educ...

October 28, 2012

CFPB Proposes New Credit Card Income Rules for Non-Working Spouses | New proposed rules to help non-working spouses qualify for credit cards will...

October 24, 2012

Fake Debt Collectors and FTC Crackdown | Debt collectors must act fairly. If threatened or harassed, file a complaint with the FTC, who recently...

October 22, 2012

What is a Reverse Mortgage? | A reverse mortgage is a complex financial tool for people over 62 who have equity in their homes. Be very careful to avo...

October 21, 2012

Qualified Mortgage Rule | The QMR and the ability to pay rule are technical mortgage lending issues. However, many borrowers will be affected when...

October 17, 2012

Reverse Mortgages- Learn, Prepare, Go Slow | Reverse mortgages are complex and hard to understand. Learn how the loan works, and guard against the dan...

October 17, 2012

HARP 2 and LTV | Although under the HARP 2 program there is unlimited LTV, many lenders have tighter rules. According to the FHFA August 2012 report, ...

October 14, 2012

Mortgage Pre-Qualification and Pre-Approval | Before you purchase a home or refinance a mortgage make sure you are prepared to qualify. Ask the lender...