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.
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...
Maine Mortgage RatesOct 31, 2017
Find out today's mortgage rates in Maine. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying for...
Mortgage Rates New HampshireOct 31, 2017
Find out today's mortgage rates in New Hampshire. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying...
Hawaii Mortgage RatesOct 22, 2017
Find out today's mortgage rates in Hawaii. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying for a...
New Mexico Mortgage RatesOct 22, 2017
Find out today's mortgage rates in New Mexico. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying for...
Idaho Mortgage RatesOct 22, 2017
Find out today's mortgage rates in Idaho. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying for a...
West Virginia Mortgage RatesOct 22, 2017
Find out today's mortgage rates in West Virginia. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying...
Nebraska Mortgage RatesOct 22, 2017
Find out today's mortgage rates in Nebraska. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying in...
Nevada Mortgage RatesSep 17, 2017
Find out today's mortgage rates in Arkansas. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying in...
Kansas Mortgage RatesSep 17, 2017
Find out today's mortgage rates in Kansas. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying in...
Arkansas Mortgage RatesSep 15, 2017
Find out today's mortgage rates in Arkansas. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying in...
Mississippi Mortgage RatesSep 9, 2017
Find out today's mortgage rates in Mississippi. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying in...
Iowa Mortgage RatesSep 8, 2017
Find out today's mortgage rates in Iowa. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying in...
Oklahoma Mortgage RatesSep 3, 2017
Find out today's mortgage rates in Oklahoma. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying in...
Connecticut Mortgage RatesSep 3, 2017
Find out today's mortgage rates in Connecticut. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying in...
Hurricane Harvey - Getting Financial HelpAug 30, 2017
Hurricane Harvey has caused widespread damage in parts of Texas and Louisiana. Get tips regarding mortgage payments and financial assistance...