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.
Mortgage Disclosure | The CFPB Loan Estimate FormApr 1, 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 1, 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 1, 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 1, 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 1, 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 1, 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 1, 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 1, 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 1, 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 1, 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 1, 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 1, 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 1, 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 1, 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 1, 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 1, 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 1, 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 1, 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 1, 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 1, 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 1, 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 1, 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 1, 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 1, 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...
Best Short-Term Loans for April 2024 (1)Apr 1, 2024
Find the best short-term loans fo [current_month] [current_year]. Compare rates, reviews, and options to find
Best Bad Credit Personal Loans for April 2024Apr 1, 2024
Find the best personal loans for bad credit in [current_month] [current_year]. Compare rates, reviews, and options to consolidate debt or cover expenses.
No Credit Check Loans - What Are They & How to ApplyMar 30, 2024
No credit check loans are available, usually for small amounts, but they have high interest rates. Learn about the different types of no-credit check loans.
Conforming Loan Limits 2019Mar 29, 2024
Conforming Loan Limits for 2019 increased. The FHFA announced new loan limits for Fannie Mae and Freddie Mac loans. Due to rising home prices, the baseline...
Fannie Mae's Tight Lending GuidelinesMar 29, 2024
Fannie Mae's Tight Lending Guidelines | Even qualified mortgage borrowers with 740+ credit scores, steady employment, high income-to-debt ratios, and ...
No Closing Cost RefinancesMar 29, 2024
Lenders often define 'no-cost' refinancing differently, so be sure to ask about the specific terms offered by each lender. Basically, there are two ways to avoi
Good Faith Estimate (GFE)Mar 29, 2024
Since January 2010 a new Good Faith Estimate (GFE) has been mandated by the department of Housing and Urban Development (HUD). We help you to understand it
Unsecured Debt Consolidation LoanMar 29, 2024
Use an unsecured debt consolidation loan to pay off personal debt, medical bills, and credit card debt. The loan simplifies your payment schedule and helps...
ARS National Services - Dealing with Collection Calls | Bills.comMar 29, 2024
ARS National Services is a collection agency that works with original creditors and third-party debt buyers. Learn how to deal with a collection call, avoid...
Nationwide Credit Inc: Dealing with Collection Calls | Bills.comMar 29, 2024
Nationwide Credit Inc is a collection agency that works with original creditors and third-party debt buyers. Learn how to deal with a collection call, avoid...
Portfolio Recovery Associates - Deal with collections | Bills.comMar 29, 2024
Portfolio Recovery Associates is a large collection agent. Take these three steps when Portfolio Recovery Associates calls you to collect a debt. First...
How to Handle a Debt Collection Call from Rausch Sturm 2024 | Bills.comMar 29, 2024
Rausch Sturm is a collection agency that collects debts for financial institutions and creditors. If they contact you, take these steps to protect...
Real Time Resolutions: How to Deal with Collections | Bills.comMar 29, 2024
Real Time Resolutions is a mid-size debt collection agency that services debt and mortgages. They also buy debt. If you were contacted by RST avoid making...
Low Interest Credit Card Consolidation LoansMar 29, 2024
Low-interest credit card consolidation loans are available, including a personal debt consolidation loan and a cash-out or home equity mortgage. Your credit...
Debt Consolidation Alternatives for Military and HardshipMar 29, 2024
There are debt consolidation alternatives for military personnel in a financial hardship. Don't fall for scams or easy to qualify solutions. Look for...
Bad Credit Debt Consolidation Loan AlternativesMar 29, 2024
Consolidating debt with bad credit is a challenge. While bad credit debt consolidation loans are available, compare them with other alternatives that are..
Debt Consolidation Loan FeesMar 29, 2024
Debt Consolidation Loan Fees | There are different debt consolidation loan solutions. Make sure that you choose the right program and compare rates, upfront...
Q3 2018 US Household Debt TrendsMar 29, 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
Dealing with Late Payments and Delinquent AccountsMar 29, 2024
If you can’t afford to make your payments on time, then you are not alone. While delinquent rates dropped since the Great Recession in 2008, many households...
Debt Consolidation Loans For MilitaryMar 29, 2024
Debt Consolidation Loans Military | If you own a home then consider a VA cash-out mortgage. While there isn't a special personal loan program for military...
US Bank Debt Consolidation Loan OptionsMar 29, 2024
US Bank offers debt consolidation loan options for their existing customers including personal loans, lines of credit and home equity loans. Check out the...
How to Consolidate Credit Card DebtMar 29, 2024
How can you consolidation credit card debt? Learn about the best way to consolidate credit card debt and choose a program that fits your...
Pros and Cons of a Bad Credit Debt Consolidation LoanMar 29, 2024
If you have bad credit, then you are probably wondering if a bad credit debt consolidation loan is the right solution to your debt problems. Learn the pros and
FTC Crackdown on Bogus Debt CollectorsMar 29, 2024
Fake Debt Collectors and FTC Crackdown | Debt collectors must act fairly. If threatened or harassed, file a complaint with the FTC, who recently...
CFPB and New Ideas for Private Student Loan ReliefMar 29, 2024
Private Student Loan Relief | There are few relief options for private student loan borrowers. The CFPB's July 2012 report called for changes, including...
Debt Management | Deal with Your DebtMar 29, 2024
Debt Management | Many of us have debt problems. Some of us can solve go it alone, while others need professional debt services. Learn the steps to take...