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.
FHA Loan RequirementsMar 17, 2019
FHA Loan Requirements have lenient credit score and down payment guidelines. Also, FHA loan income requirements allow for debt-to-income levels as high as...
FHA Mortgage InsuranceMar 10, 2019
FHA Mortgage Insurance adds to the cost of your FHA mortgage loan;
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...
Working Mom Paying for Her CollegeMar 1, 2019
It's hard to get your college degree while raising kids. Add being a single, working mom to the task. Read stories of women who climb this mountain and succeed.
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...
Borrow MoneyMar 1, 2019
Borrowing money is one of your key financial building blocks. Learning to get a loan and how to manage your debt are two tasks that are crucial to ...
Emergency Fund: Why You Need OneFeb 28, 2019
An emergency fund is your best cushion for an unexpected expense or a loss of income. It takes time to build the six months worth of living expenses you...
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
Financial LiteracyFeb 28, 2019
Financial Literacy is crucial in today's market to understand and manage your budget, debt, and savings. It isn't about complex financial formulas, but you...
Your Financial Well-Being- Why You Should CareFeb 28, 2019
Financial wellness affects your health and job productivity. The CFPB measures financial wellness by combining financial measures with psychological and...
Monthly Savings CalculatorFeb 28, 2019
Check your monthly saving with Bills.com's Monthly Savings Calculator. Are you saving enough money for emergencies and retirement? Do you have an investment...
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..
Debt to Income Ratio: Learn, Calculate, and ImproveFeb 28, 2019
Your debt to income ratio (DTI) shows you how much of your income you use to pay certain debts. If too much of your income is used paying off debt, then you...
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...
Personal LoansFeb 3, 2019
Personal Loans can help you consolidate debt, pay for emergencies, or larger purchases. Use Bills.com online tool to compare offers and shop for...
Fannie Mae's HomeReady Low Downpayment MortgageJan 20, 2019
The HomeReady Mortgage offered by Fannie Mae is an attractive alternative for low to middle-income homebuyers, with decent credit. Compared to...
Freddie Mac's Home Possible Low Downpayment MortgageJan 19, 2019
The Home Possible Mortgage offered by Freddie Mac helps first-time low-to moderate-income homebuyers by offering a three-percent down payment. Compared to ...
Can UltraFICO Help You?Jan 13, 2019
UltraFico is a new credit score model to help you if you have a thin credit file. The new UltraFICO score uses your bank and deposit to improve...
Five Cash-Out Mortgage TipsOct 16, 2018
Get five cash-out refinance tips from a veteran mortgage professional. Stay in tune with market changes and take advantage of higher home prices, low...
Cash-Out Refinance in New JerseySep 29, 2018
A Cash-out Refinance in New Jerseyis a viable alternative for many homeowners. If you need more cash, then consider using your home equity and get low...
Qualifying for a Cash-Out Mortgage Sep 29, 2018
Qualifying for a cash-out mortgage requires sufficient equity in your home. You will need good to excellent credit to qualify for a high LTV cash-out, but there
Cash-Out Refinance in ArizonaSep 4, 2018
A Cash-out Refinance in Arizona is a viable alternative for many homeowners. If you need more cash, then consider using your home equity and get low...
Bills.com's Cash Out Refinance CalculatorAug 30, 2018
Use Bills.com Cash Out Refinance Calculator to see how much equity you have in your home, how much you can add to your existing mortgage, and what the new...
Reasons to do a Cash-out RefinanceAug 30, 2018
One popular reason to take out a cash-out refinance mortgage is debt consolidation. Other common reasons households use built up equity in their home are home i
How to Consolidate Your BillsAug 28, 2018
Learn how to consolidate your bills and make your debt easier to manage. If you are juggling medical bills, credit card bills, and other debt, then you need...
Secured Credit Card | One Tool to Improve CreditAug 5, 2018
Secured Credit Card | A secured credit card is one tool to help build credit. Be careful not to overpay. A secured card can improve your credit, but..
Home Affordability Index OverviewJun 18, 2018
A home affordability index looks at home prices, income, and other factors to see how easy or difficult it is to purchase a home. Check out how you match up...
Home Prices OverviewJun 17, 2018
Home prices greatly affect your ability to purchase a home. Home prices fluctuate over time, as well as over geographic region. Finding an affordable house...
HARP Extended Through 2018May 22, 2018
Once again the FHFA extends the HARP program. The latest extension means The HARP refinance mortgage will be available all of 2018. The replacement program...
Home Affordability in 2018Apr 29, 2018
Buying a home is a major concern for many households. Will rising mortgage rates be offset by higher wages? Will rising home prices make it impossible to...
Freddie Mac's HomeOne Low Downpayment MortgageApr 29, 2018
Are you considering purchasing a home? Do you have a small down payment? Then, consider the newest Freddie Mac High LTV, low down payment option, the HomeOne...
Reasons Households Prefer Renting 2018Apr 23, 2018
Many households cannot afford to buy a home. Affordability is the main reason for renting a home. The second main reason is lifestyle options. If you are...
Should You Rent or Buy?Apr 19, 2018
Rent vs Buy? Not easy to make a decision. Start by considering your lifestyle preferences. Then, look at your financial situation, including your budget and...
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...
Is Homebuyer Counseling Beneficial?Mar 18, 2018
A recently published paper shows that Homebuyer Education and Counseling programs are beneficial. They help create more informed consumers, who make better...
Personal Loan TrendsMar 11, 2018
According to Transunion Q4 Insight Report personal loan balances and originations increased in 2017. They expect that the personal loan market will continue...
Mortgage Refinance in 2018Mar 11, 2018
With rising mortgage rates there will be less mortgage refinances. However, over 2.6 million households that can benefit from a refinance. Expect for more...
Forecasting Mortgage RatesMar 11, 2018
Mortgage rates move up and down. Forecasting rates is difficult. 2018 started off with increases. Mortgage rate forecasts are fairly accurate for the short...
Mortgage Insurance Popularity GrowingMar 11, 2018
Many first time home buyers are using Private Mortgage Insurance together with conventional low down payment mortgages. Instead of using FHA loans, borrowers...
Rising Mortgage Rates and AffordabilityMar 4, 2018
Mortgage rates are on the rise in 2018 making it more difficult to buy a home. However, even if mortgage rates go up you may still find it possible to...
Minimum Credit ScoreFeb 25, 2018
There is no absolute minimum credit score. Minimum credit score requirements vary between loan products (auto, mortgage, or personal loan). However, your...
Rising Mortgage Rates! ARM to the Rescue?Feb 18, 2018
With mortgage rates rising, you should check out the pros and cons of a Fixed Rate Mortgage vs. an Adjustable Rate Mortgage. Compare savings and risks...
2018 Cash Out Refinance OptionsFeb 4, 2018
Rising home prices, low mortgage rates, and improving economic situation offers a great opportunity to use a cash out mortgage refinance to save money and...
Still Good Reasons to Refinance in 2018Jan 31, 2018
There are many good reasons to refinance in 2018. Rates are still historically low. Affordable payments are they key. Also cash-out refinance can improve...
Alaska Mortgage RatesOct 31, 2017
Find out today's mortgage rates in Alaska. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying for...
North Dakota Mortgage RatesOct 31, 2017
Find out today's mortgage rates in North Dakota. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying...
South Dakota Mortgage RatesOct 31, 2017
Find out today's mortgage rates in South Dakota. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying...
Delaware Mortgage RatesOct 31, 2017
Find out today's mortgage rates in Delaware. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying for...
Montana Mortgage RatesOct 31, 2017
Find out today's mortgage rates in Montana. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying for...
Rhode Island Mortgage RatesOct 31, 2017
Find out today's mortgage rates in Rhode Island. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying...