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.
Texas Mortgage RatesJul 20, 2017
Find out today's mortgage rates in Texas. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying in Texas...
Virginia Mortgage RatesJul 20, 2017
Find out today's mortgage rates in Virginia. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying in ...
Illinois Mortgage RatesJul 20, 2017
Find out today's mortgage rates in Illinois. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying in ...
New York Mortgage RatesJul 20, 2017
Find out today's mortgage rates in New York. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying in ...
California Mortgage RatesJul 20, 2017
Find out today's mortgage rates in California. Get mortgage rate quotes from Bills.com network of lenders. Get information about shopping and qualifying in ...
Should You Refinance From FHA to Conventional LoansJul 9, 2017
Did you take an FHA loan a number of years ago? You might be able to lower your payment and/or save big money by refinancing into a conventional loan by...
Reasons to Refinance NowJul 2, 2017
Low mortgage rates can help you save money. Also, refinance now if you want to lower your payments, take out cash, get rid of mortgage insurance, or...
Reasons to Refinance Your Mortgage - Not Just RatesJun 25, 2017
There are many reasons to refinance a mortgage. However, a mortgage refinance can also create a more affordable payment, or allow you to take out cash, or...
Refinance to Lower Your PaymentJun 25, 2017
Should you refinance to lower your payment? Rising home prices and low mortgage rates will help you refinance. Besides lower payments you may also save big...
Get a Personal LoanMar 13, 2017
Learn all about personal loans and how they can help you manage your debt, or help you fulfill your financial goals. It is easy to get a loan, through an...
Mortgage Refinance CalculatorJan 3, 2017
Bills.com offers you a simple refinance calculator to help you determine your new monthly payment and overall interest savings. Don't forget to...
Pay for Delete? Learn to Dispute!Dec 20, 2016
Before you pay to clean up your credit report, learn how to dispute accurate items. Be wary of pay for delete offers. Know your rights under the FCRA and FDCPA.
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...
Personal BudgetMay 7, 2015
A important part of creating a budget is understanding how much money you are making and spending. Start by creating your monthly budget worksheet and know how
Fidelity and European Debt CrisisMay 7, 2015
Fidelity Retirement Accounts and the European Debt Crisis | Your 401(K) and retirement accounts are affected by the European debt crisis. Learn how to...
Analyzing Your Cash FlowMay 7, 2015
Budget Guide - Analyze your Cash Flow | Analyze your actual vs. projected expenses and income to determine where you can improve your cash flow. Learn how you..
2015 – New FHA Mortgage InsuranceApr 21, 2015
FHA Mortgage Insurance Premium was lowered in January 2015. The new FHA MIP rates are now a whopping 0.5% lower for loans longer than 15. For some borrowers...
PMI: Low Down PaymentApr 9, 2015
PMI | If you are looking to buy a house and take a mortgage loan with a low down payment then PMI can...
HARP 3.0 Mortgage Refinance ProgramMar 17, 2015
Obama Passes HARP, but borrowers are looking for HARP 3.0 Mortgage Refinance programs. When a HARP 3 update is announced, you need to be ready to move…
HECM BasicsMar 13, 2015
HECM Reverse Mortgage | Learn about the FHA backed HECM product before shopping for a reverse mortgage. Learn about different types, interest rates and...
Infographic: Dance your way to a successful reverse mortgageFeb 18, 2015
An infographic showing what steps you need to take to be successful with your reverse mortgage, if you are at least 62 and have sufficient equity in your home.
Mortgage Tips - Getting Qualified for a MortgageJan 30, 2015
Bills.com mortgage tips will help guide you through the shopping process. The first step is to get qualified for a mortgage. You can save the most money...
Mortgage Refinance Opportunities 2015Jan 30, 2015
With currently low mortgage rates, but expectations of a mild increase in mortgage rates and slightly higher home prices, now is a great time to check if you...
Shopping for a Mortgage Tips: Get the Best Mortgage TermsJan 27, 2015
Getting mortgage quotes is easier than ever. Check out Bills.com mortgage tips on how to get the best mortgage to fit your financial situation.
Fit Your House to your FamilyDec 18, 2014
A growing family is a great time to re-consider your housing needs. The first step you need to take is to set your limits. Make sure that your mortgage is...
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...
Refinance to Save MoneyJun 11, 2014
One great reason to refinance is to save money and lower your costs. You may be able to qualify for a lower rate or eliminate mortgage insurance, if you...
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...
Reverse Mortgage Rules | Changes in 2013Sep 29, 2013
Reverse Mortgage Rules | The FHA insured reverse mortgage program is losing money. Learn about proposed mortgage rules for 2013 and how they will help...
HECM Loan | Changes in Loan Amounts - 2013Sep 16, 2013
Starting September 30, 2013 the HECM loan will not look the same. New rules include changes in the overall amount of loan you can borrow and the amount you...
FHA Loan After Foreclosure and other Economic HardshipSep 11, 2013
Looking to buy a home and take a FHA loan after a foreclosure, short sale, deed-in-lieu, or bankruptcy? The FHA introduced a shorter waiting period, if you...
What to Do when Mortgage Rates are Going UpJun 16, 2013
Mortgage Rates Going Up? Mortgage rates are continually changing. After hitting record lows in 2012, mortgage rates are increasing in mid-2013. Make sure...
Wells Fargo Mortgage Modification and Foreclosure PreventionJun 4, 2013
Wells Fargo Modification is just one of many foreclosure alternatives. If you also have a second mortgage, then...
Home Affordability | Regional HOI IndexMay 21, 2013
Home Affordability varies over different regions and neighborhoods. Make sure that you look at local data and prepare your finances so that your income...
Home Affordability Index TipsMay 16, 2013
Before buying a home and taking a mortgage learn about Home Affordability. Housing prices, income, and interest rates are important factors to consider when...
FHFA Streamline Modification: A HAMP AlternativeMay 12, 2013
The FHFA Streamline Modification is available for Freddie Mac and Fannie Mae loan. You must be delinquent at least 90+ days, but you don't have to prove...
FHA Mortgage Insurance - Changes in 2013May 6, 2013
Changes in FHA Mortgage Insurance in 2013 will cause FHA loans, popular for first time buyers and borrowers with low credit scores, to be more expensive.
HARP 2.5? The Boxer-Menendez Refinance BillMar 11, 2013
Boxer-Menendez Refinance Bill | Senators Boxer and Menendez introduced for the third time their Refinance bill to improve the HARP program; however, it still...
RAHPP | Sen. Merkley's 4% Mortgage Pilot ProgramFeb 14, 2013
Rebuilding American Homeownership Pilot Program | Is this the start of HARP 3? The results of the pilot will help determine if Sen. Merkley can push through...
Home Affordability: Preparing for the 2013 Housing MarketJan 6, 2013
Housing Market 2013 and Home Affordability: There are signs that housing prices and mortgage rates will increase in 2013. Make sure that you can afford...
Reverse Mortgage Counseling | A Necessary StepDec 24, 2012
Reverse Mortgage Counseling | Reverse mortgages require a counseling session (all HUD backed ones). Counselors are not financial planners, so make sure that...
How Does A Reverse Mortgage Work?Dec 24, 2012
How a Reverse Mortgage Works | Learn about the differences between a regular mortgage and a reverse mortgage. A reverse mortgage can work for you, but...
Reverse Mortgage | Pros and ConsDec 24, 2012
Reverse Mortgage Cons | Reverse Mortgages are complicated. Avoid trouble by understanding how they work. By learning about the disadvantages you can avoid...
FHA Loan Limits - 2013Dec 13, 2012
FHA Loan Limits 2013 | FHA loan limits remain, for most areas, the same as for 2012. FHA loans are a popular choice for homebuyers and with low...
Control Your Holiday Spending and Deal with Holiday DebtDec 5, 2012
Holiday Spending and Holiday Debt | Gifts, vacations, family gatherings are all reasons for a joyous holiday. Keep your budget and deal with your debt to best..
Learn About Reverse Mortgage ComplaintsNov 22, 2012
Reverse Mortgage Complaints | High pressure and false advertising lead some borrowers to take reverse mortgages. Make sure that a reverse mortgage is a good...
Hit by Hurricane Sandy | Hurricane Insurance and HelpNov 15, 2012
Hurricane Insurance and Hurricane Sandy | Make sure that you have the proper insurance coverage to cover natural disasters. Get tips on how to deal with...
Housing Recovery and the FHA BailoutNov 8, 2012
FHA Bailout and Getting a Mortgage | A FHA bailout could potentially hurt a housing recovery by making it harder to get FHA loans. Learn about the importance...
HARP 2 Mortgage | Keeping UpdatedNov 5, 2012
HARP 2 Mortgage Updates | The HARP 2 mortgage has stepped up helping more borrowers, with high LTVs. However, you need to shop around to find the best HARP 2...
CFPB New Credit Card RulesOct 28, 2012
CFPB Proposes New Credit Card Income Rules for Non-Working Spouses | New proposed rules to help non-working spouses qualify for credit cards will...