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.
15-Year Mortgage Loan | Lower CostsAug 8, 2024
15-Year Mortgage Loan | You can save money and build equity by taking a 15-year home purchase or refinance mortgage loan. Make sure that you can....
HUD Organization and LoansAug 8, 2024
HUD | The Housing and Urban Development Dept. oversees the federal government's housing policies. Learn about HUD and HUD loans, including FHA loans and...
30-Year Fixed Rate MortgageAug 8, 2024
30-Year Mortgage Loans | If you are looking for a purchase home loan or a refinance mortgage loan, start with a 30-Year mortgage loan that offers affordable...
Interest Only Mortgage Aug 8, 2024
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...
Forty Year MortgagesAug 8, 2024
40-year mortgage loan | A 40-year mortgage loan has low initial payments. However, it is a rare product and carries risks. Learn the different alternatives...
10 Year Fixed Mortgage LoansAug 8, 2024
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...
Finding a Great MortgageAug 8, 2024
Purchasing a home? Learn how to find a great mortgage from Bills.com - your complete source for saving money.
Debt Help CompaniesAug 8, 2024
Debt Help Companies for Payday Loans | Find debt help companies that meet your needs, so that you can get Debt Free Fast and Save!
Credit Consolidation ServicesAug 8, 2024
You have many credit consolidation services companies to chose from and it is important you research your options. The tips and solutions we shared here can...
Debt Payoff StrategiesAug 8, 2024
There are different strategies for paying off debt. In order to manage your debt review your financial situation and then check out the best way to deal with..
How to Handle a Debt Collection Call from Avante USA 2026 | Bills.comJan 1, 2026
Avante USA is a collection agency that aggressively works with third-party and original owners of the debt. Protect yourself by taking these steps...
Debt Assistance is AvailableAug 8, 2024
If you are struggling with debt, or having trouble creating and maintaining a budget, then look for a professional debt assistance program. It can help you...
Debt NegotiationAug 8, 2024
Debt negotiation is a solution for people in a hardship. Carefully look at your situation and debt relief options. Choose between a do-it-yourself approach...
Bill ConsolidationAug 8, 2024
Bill consolidation simplifies your bill-paying, helps you pay off debt quicker, and saves money. Choose a debt consolidation loan or other ways to...
Investment Property MortgageAug 2, 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 2019Aug 2, 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 GuidelinesAug 2, 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 RefinancesAug 2, 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)Aug 2, 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 LoanAug 2, 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.comAug 2, 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.comAug 2, 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.comAug 2, 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 2026 | Bills.comJan 1, 2026
Rausch Sturm is a collection agency that collects debts for financial institutions and creditors. If they contact you, take these steps to protect...
Low Interest Credit Card Consolidation LoansAug 2, 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 HardshipAug 2, 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 AlternativesAug 2, 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 FeesAug 2, 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 TrendsAug 2, 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 AccountsAug 2, 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 MilitaryAug 2, 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 OptionsAug 2, 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 DebtAug 2, 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 LoanAug 2, 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 CollectorsAug 2, 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 ReliefAug 2, 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...
Tax Deductions and MortgagesJul 22, 2024
Mortgage Tax Deduction | Romney introduced the idea of limiting mortgage interest tax deduction. Learn about the types of mortgage tax deductions you can...
Gifting Money for DownpaymentJul 22, 2024
Gifting Money for Mortgage | It is possible to gift money without paying taxes. The receiver can use the gift funds toward a downpayment. Consult with a...
Mortgage Disclosure | The CFPB Loan Estimate FormJul 22, 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 MortgageJul 22, 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 MortgageJul 22, 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 AroundJul 22, 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 LTVJul 22, 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: CreditworthinessJul 22, 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 LoanJul 22, 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 OverviewJul 22, 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 MortgaeJul 22, 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)Jul 22, 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 RightsJul 22, 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 CreditJul 22, 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.