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Betsalel Cohen

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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 2024
Dealing with debt? Read this cartoon to find out what your options are for getting out of debt.
Debt Consolidation for VeteransApr 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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 23, 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...
Top Loan Consolidation OptionsApr 22, 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 22, 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...
Investment Property MortgageApr 19, 2024
Removing ex-Spouse from Investment Property | Removing a spouse from an investment property mortgage is not possible, if you can't qualify for a refinance...
Conforming Loan Limits 2019Apr 19, 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 GuidelinesApr 19, 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 RefinancesApr 19, 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)Apr 19, 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 LoanApr 19, 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.comApr 19, 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.comApr 19, 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.comApr 19, 2024
Portfolio Recovery Associates is a large collection agent. Take these three steps when Portfolio Recovery Associates calls you to collect a debt. First...