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.
Trends in Mortgage Credit ScoresApr 2, 2024
The Great Recession of 2008 virtually put an end to the subprime mortgage market. What are the credit score trends for mortgages? Are mortgages available for..
Minimum Credit Score MortgageApr 2, 2024
Mortgage programs have different minimum credit score requirements. However, lenders often have stricter rules. It is important to match your credit....
Mortgage Tips - Getting an Affordable MortgageApr 2, 2024
Get mortgage tips about finding an affordable mortgage. You need to go over your budget, make sure that you can afford the house and mortgage, and then show...
Self-Employed and Getting a MortgageApr 2, 2024
Self-employed borrowers have a harder time getting a mortgage. A self-employed mortgage applicant needs to show proof of their steady, recurring income and...
Can I Afford This Mortgage?Apr 2, 2024
Whether you are refinancing or buying a home you will ask yourself if you can afford the mortgage. Learn to prepare and evaluate if you can afford the...
Mortgage Fraud | Homeowners and Homebuyers BewareApr 2, 2024
Mortgage Fraud | Both homeowners and homebuyers are targeted by mortgage fraud. Beware of upfront fees, undeclared money, false declarations. Learn how...
Conforming Loan LimitsApr 2, 2024
Conforming Loan Limits | Fannie Mae and Freddie Mac's basic conforming (and high area) loan limits remained the same for 2013. Learn about your options to...
CFPB | New Rules for High Cost Mortgage LoansApr 2, 2024
CFPB and High Cost Mortgage Loans | The CFPB proposed a rule to include HOEPA protections and disclosure to purchase mortgage loans. By learning how to...
Qualified Mortgage Rule and Ability to Pay RuleApr 2, 2024
Qualified Mortgage Rule | The QMR and the ability to pay rule are technical mortgage lending issues. However, many borrowers will be affected when...
Best Debt Relief OptionApr 2, 2024
Among non-bankruptcy debt relief options, debt settlement programs generally offer the lowest monthly payments,because they negotiate to reduce debt owed
Consolidating Bank of America DebtApr 2, 2024
Bank of America Debt Consolidation | Before you include Bank of America debt in a debt consolidation program, review how BofA will likely react. Make sure to...
Credit Counseling ReviewsApr 2, 2024
Credit Counseling Review | Use online Web sites and customer credit counseling reviews. But, most importantly shop around and learn what to look for, when...
Putting Together a Debt Reduction PlanApr 2, 2024
Debt Reduction Plan | Put together a debt reduction plan that meets your financial goals and situation. Learn about the steps it takes to...
Debt Relief PlansApr 2, 2024
Debt Relief Plans | The right debt relief plan for your individual situation, depends on your income, assets, and credit score. Make the best choice by ...
Credit Card Debt Relief CompaniesApr 2, 2024
Credit Card Debt Relief Companies - Options and Reviews | Debt Settlement companies offer one type of debt relief. Look for AFCC accreditation, and don't...
Compare Loan Consolidation RatesApr 2, 2024
Loan Consolidation Rates | Shop around. You will need a good credit score and strong income to qualify. Mortgage loan consolidation rates are...
Debt Consolidation for Credit CardsApr 2, 2024
Debt Consolidation for Credit Cards | Although there are easy ways to consolidate credit cards, if you are having problem with making payments, then you...
How to Get Rid of Debt QuicklyApr 2, 2024
Get rid of debt | You want to get rid of debt fast. But, it takes effort and planning to get rid of debt. The most important first step to take is...
Debt Help CartoonApr 2, 2024
Dealing with debt? Read this cartoon to find out what your options are for getting out of debt.
Debt Consolidation for VeteransApr 2, 2024
Debt Consolidation for Veterans | If you have good credit and equity in your house a VA cash out mortgage is a good debt relief solution. But, beware of scams..
2018 Starts with Higher Debt LevelApr 2, 2024
Household Debt is over $13.5 Trillion. Going into 2019 US Household Debt is at all-time highs. During 2018 overall debt levels increased by about 3%. While...
Four Ways to Consolidate Debt Apr 2, 2024
Not all debt problems are alike. Learn about four debt scenarios and the different ways that you can use to consolidate your debt. Match your personal...
Choosing a Debt Consolidation LoanApr 2, 2024
Choosing a debt consolidation loan is fairly straightforward. First, make sure that the loan is a good match with your financial situation. Then, shop around...
Best Ways to Get Out of DebtApr 2, 2024
Best Ways to Get Out of Debt | Use all easy common sense suggestions to get out of debt. But if you are looking for the best way to get out of debt, then...
Jefferson Capital Systems: Deal with collections | Bills.comApr 2, 2024
Jefferson Capital Systems LLC is a major debt collector. If they appear on your credit report, or they called or contacted you, then take these steps to...
Bill Consolidation ProgramsApr 2, 2024
Bill consolidation programs exist for those in a financial hardship. A personal loan isn't an option if you have poor credit or struggling, however.
Business Credit Card LiabilityApr 2, 2024
Business Credit Card Liability | A corporate officer's responsibility varies. If your name was on the account for the sake of convenience and you didn't sign...
Unsecured Credit Card Consolidation ProgramApr 2, 2024
Unsecured credit card consolidation programs are popular alternatives to a home equity or cash out refinance. If your credit is excellent, then you can get...
How to Handle a Debt Collection Call from Resurgent Capital Services 2024 | Bills.comApr 2, 2024
Resurgent Capital Services is a major debt collector. If they appear on your credit report, or they called or contacted you, then take these steps to...
Credit Card Consolidatoin - Help With PaymentsApr 2, 2024
Struggling with making credit card payments? Do you need help with credit card payments? Even if you are in a hardship there are credit card consolidation...
Bill Consolidaton Loan OptionsApr 2, 2024
Bill consolidation loans can help save money. If you have excellent credit you can obtain a low-interest bill consolidation loan. There are different types...
Alltran Financial – Deal with collections 2024 | Bills.comApr 2, 2024
Alltran Financial is a collection agency that works with original creditors and third-party debt buyers. If they contact you, protect yourself by...
Is Debt Consolidation Right for You?Apr 2, 2024
Debt consolidation can help you save money on interest, lower your monthly payments, and pay down debt faster. Use a debt consolidation loan, or...
Dealing with Debt Collection Complaints Apr 2, 2024
Debt collection complaints are common. The CFPB has received over 182,000 debt collection complaints over the last 5 years. Learn about how complaints...
Need Help with Debt?Apr 2, 2024
Not only people in a financial hardship need help with debt. The amount of help you need will depend on your circumstances. Learn how to match debt help...
Choosing a Debt Relief ProgramApr 2, 2024
Learn three tips to help you choose a debt relief program relief: Check affordability, your credit, and your ability to stick to a program before...
Should I Consolidate my Credit Card DebtApr 2, 2024
Should you consolidate your credit card debt? Find out reasons people have credit card debt and match your situation with debt relief solutions that best fit...
Government Debt ReliefApr 2, 2024
Government debt relief programs are limited, but options exist. The Government also helps protect you against debt collectors. There are non-government programs...
Reduce Debt YourselfApr 2, 2024
9 do-it-yourself debt solutions, including how to stop a collector's calls, validate debt, dispute an error in your credit report, failure to verify a debt...
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...