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.

10-Year Fixed Mortgage RatesJun 3, 2012
10-Year Mortgage Rates | If you want to pay off your mortgage quickly, then look into 10-Year mortgage rates. However, make sure that you have sufficient...
15-Year Fixed Mortgage RatesMay 29, 2012
15-Year Fixed Mortgage Rates | 15-year mortgage rates are cheaper than 30-year rates. However, make sure that you can afford them. Compare between real...
Home Refinance Loans | Getting QualifiedMay 27, 2012
Qualifying for a Home Refinance Loan | Prepare yourself by following Bills 5 steps to qualify for a home refinance loan. Start by preparing your budget, then...
Real Time Resolutions: How to Deal with Collections | Bills.comJul 25, 2021
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...
Dealing with Debt Collection Complaints Feb 15, 2018
Debt collection complaints are common. The CFPB has received over 182,000 debt collection complaints over the last 5 years. Learn about how complaints...
Qualify for Mortgage: The BasicsMay 13, 2015
Qualify for a Mortgage | You can get qualified for a mortgage and the best rates by preparing yourself. Make sure that your credit, income and downpayment are..
FHA Loan Limits - 2019Feb 17, 2019
FHA Loan Limits | FHA loan limits in 2019 increase for many areas. FHA loans are a popular choice for homebuyers and with low...
Can Alternative Credit Data Help?Mar 25, 2018
Alternative credit data and scores can help millions of consumers gain access to credit. Traditional credit data and credit scores do not contain valuable...
FHA Streamline | Low Credit ScoreJul 5, 2012
FHA Streamline Refinance | Low credit scores can be a barrier to a FHA streamline refinance, because lenders have stricter requirements. There are lenders who..
Mortgage UnderwritingNov 22, 2011
Mortgage Underwriting and Mortgage Requirements | Learn about the mortgage underwriting process and how it affects your loan application. Be prepared to...
Can I Afford This Mortgage?Oct 27, 2014
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...
Help Fix My Credit - Take Action NowApr 5, 2012
Help fix my credit | Check your credit report and work on correcting mistakes and errors through the dispute process. Also, be sure to get rid of...
Debt Management AdviceOct 26, 2010
Focus your efforts on the accounts that are reported to the three credit reporting agencies. If all of your debts appear on your credit reports, then consider a
Conforming Loan LimitsNov 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 options to...
Personal Loan for APR CalculatorFeb 28, 2019
Use the Bills.com APR Calculator to determine the annual percentage rate for your personal loan. When you shop for a personal loan check the nominal
Credit Card Relief Programs Basics Apr 3, 2012
Credit Card Relief Programs | Free tips and advice, so you save money and find the right credit card relief program for your individual situation. Start by...
Spending Money WiselyFeb 28, 2019
Spending your money wisely helps pay your bills, buy things you want, and save for the future. Spending is a key factor in your financial health. Learn how to..
Unsecured Debt Consolidation LoanApr 1, 2020
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...
Various Types of Debt Consolidation Loans for Bad CreditNov 24, 2018
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...
Impact of the Japan Earthquake on Mortgage RatesMar 28, 2011
Mortgage Rates and the Japanese Earthquake | We recommend Bills.com borrowers to assess their financial needs and consider macroeconomic factors when...
Victim of Identity Theft Aug 28, 2009
Victim of Identity Theft | If you receive a summons for a debt you don't you don't know you had or unknown accounts appear on your credit report, you must...
How to Consolidate DebtJul 30, 2020
If you understand the different ways how to consolidate debt, you will reduce your stress and more easily find the right way to get rid of debt.
Citibank Sears MasterCard SettlementNov 11, 2010
Citibank Sears MasterCard Settlement | Look into your different debt relief options including a Credit Counseling and Debt Management Plan. Check out the...
Compare Bank Mortgage RatesJun 28, 2012
Bank Mortgage Rates | Look at big Banks to see their mortgage rates. But make sure that you shop around for the best mortgage rates and compare....
Tax Obligation On 401K WithdrawalOct 27, 2008
Learn about tax obligations due to early withdrawals form your 401k accounts. Find. Learn. Save, at Bills.com
2018 Starts with Higher Debt LevelFeb 17, 2019
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...
Investment Property MortgageFeb 24, 2011
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...
Choose a Home Equity LoanApr 15, 2019
Choosing a Home Equity Loan Calculator helps you find the right type of loan. Do you want to refinance your current mortgage, take out a lump sum, or maybe...
Choosing a Debt Relief ProgramMar 20, 2017
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...
Credit Card Debt SettlementNov 20, 2016
Credit card debt settlement is a great debt relief solution if you are facing a financial hardship, but wish to eliminate credit card debt through one low..
HARP 2.0 AND PMIFeb 5, 2012
Mortgage Insurance and HARP: If you are eligible for a HARP 2.0 loan and have PMI then you can do the HARP refinance. The MI companies are doing LPMI....
Shopping for a Rural Mortgage LoanJun 17, 2018
If you are a rural mortgage shopper, then you don't have to be at a disadvantage. While many rural borrowers are dependent on local lenders, with today's...
FHA Credit RequirementsMar 9, 2019
FHA Credit Score Requirements are low! DO you have a low credit score? FHA loans have a lower credit score requirement than conventional mortgages, and also...
How to Handle a Debt Collection Call from Convergent Outsourcing 2022 | Bills.comJun 27, 2021
Convergent Outsourcing is a major debt collector. If they appear on your credit report, or they called or contacted you, then take these steps to...
Judgment GarnishmentAug 10, 2007
Judgment Garnishment | The most common method used by judgment creditors to enforce judgments is wage garnishment, in which a judgment creditor would contact...
How to Handle a Debt Collection Call from Resurgent Capital Services 2022 | Bills.comJun 27, 2021
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...
10 Year Fixed Mortgage LoansMay 13, 2012
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...
Debt Free Solutions That WorkMar 1, 2012
Debt Free | Being in debt is stressful. Avoid bad credit and unhealthy debt. Get tips on good spending habits and find debt free solutions that work...
Should I Take a Fixed Rate or Adjustable Rate MortgageMar 30, 2014
Which is your best choice, a Fixed Rate or Adjustable Rate Mortgage? You can save a lot of money with an adjustable rate mortgage, but make sure that you...
Financial GoalsMar 1, 2019
Setting financial goals is crucial to your financial health. Don't settle for a general plan. Make specific goals to improve your savings, spending, and...
Credit Report RepairDec 1, 2010
Credit Reporting After Paying Off Credit | The reporting agencies must update and keep accurate data in their credit files. It takes time to update your....
Bad Credit Mortgage RefinancingNov 23, 2014
Bad Credit Mortgage Refinancing | Do you want to refinance and get a lower interest rate or lower monthly payment? Bad credit refinancing now or later? Learn...
Consolidating Bank of America DebtSep 25, 2011
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...
FHFA to the Rescue?May 28, 2015
The FHFA announced new policies that could make it easier for more people to qualify for mortgages. Will this help you? If you have 3% for a down-payment...
Collection Agency - Complete Guide to Handle Collection CallsJun 27, 2021
A collection agency either buys debts or acts as an agent for the original creditor. Learn how to deal with collection calls, avoid harassment, and negotiate...
Jefferson Capital Systems: Deal with collections | Bills.comJun 22, 2021
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...
Javitch Block: Dealing with Debt Collection 2022 | Bills.comJul 27, 2021
Javitch Block is a law firm specializing in debt collection and insurance loss recovery. If they call or contact you take these steps to protect...
Interest Only Mortgage May 19, 2012
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...
Monex and Goldline for Buying Gold ReviewsDec 29, 2008
Free reviews and advice if you are considering Monex and Goldline for Buying Gold.
Virginia Payday LoanDec 7, 2007
Virginia law specifically allows pay-day lenders to operate and exempts them from the usury laws which apply to many other lenders. Learn more about pay-day lo