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.
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...
What is A Reverse Mortgage | A Complex Financial ToolOct 22, 2012
What is a Reverse Mortgage? | A reverse mortgage is a complex financial tool for people over 62 who have equity in their homes. Be very careful to avoid..
Reverse Mortgages | Learn and Go SlowOct 17, 2012
Reverse Mortgages- Learn, Prepare, Go Slow | Reverse mortgages are complex and hard to understand. Learn how the loan works, and guard against the dangers...
HARP 2 & LTVOct 17, 2012
HARP 2 and LTV | Although under the HARP 2 program there is unlimited LTV, many lenders have tighter rules. According to the FHFA August 2012 report, more...
Pre-Approval and Pre-Qualify for a Mortgage LoanOct 14, 2012
Mortgage Pre-Qualification and Pre-Approval | Before you purchase a home or refinance a mortgage make sure you are prepared to qualify. Ask the lender for a...
HARP 3 - Will Congress Expand the Program?Oct 11, 2012
HARP 3 Expansion | There are a large number of borrowers who don't qualify for the HARP program. Congress is reviewing a number of proposals to expand HARP 3...
Hardest Hit Fund: Helping Struggling HomeownersSep 23, 2012
Hardest Hit Fund | 18 states established a foreclosure avoidance program to help unemployed and struggling borrowers get current and also...
Nelnet Derogatory on Credit ReportSep 20, 2012
Derogatory Entry on Credit Report by Nelnet | If NelNet reported accurate derogatory information to the credit reporting agencies, then you can...
Learn About Installment LoansSep 5, 2012
Installment Loans | Learn about different types of installment loans and payment terms. Get valuable tips about installment loans and your credit, budget, and..
Rebuilding American Homeownership - The 4% MortgageAug 19, 2012
Rebuilding American Homeownership | In late July 2012 Sen. Merkley proposed a program for all underwater borrowers. Will it become the new HARP 3 program, or...
Using a 401k Withdrawal to Invest in Real EstateAug 19, 2012
401k Withdrawal to Invest in Real Estate | A traditional 401k does not allow for a real estate investment, unlike some IRA Roth Accounts. Weigh carefully your..
#MyRefi | Social Media to Mass Refinancing PlanAug 14, 2012
MyREfi# | The White House initiated a social campaign to gain support fro a HARP 3 mass refinancing plan. The plan requires Congressional action, but...
Mortgage Modification or Refinance | Avoid ForeclosureAug 12, 2012
Mortgage Modification or Refinance | If you are having trouble making your payments, then look into a mortgage modification. But if you have good credit, then..
Prepaid Cards | The BasicsAug 12, 2012
Prepaid Cards | Prepaid debit cards are becoming a more popular product, especially for teen and collage aged students, offering more budgetary controls, but...
Hardest Hit Fund: Fannie Mae & Freddie Mac UpdatesJul 27, 2012
Principal Reductions to HARP, HAMP and Hardest Hit Funds | Due to changes in state regulations and Freddie Mac & Fannie Mae guidelines, principal reductions...
Steps to Establish CreditJul 22, 2012
Establish Credit | It takes time to establish credit. Build a strong financial plan (budget, save money). Be careful before co-signing or adding an....
Eminent Domain | A Mortgage Relief OptionJul 20, 2012
Eminent Domain and Mortgages | Can a local government take over mortgage loans? Learn about a proposal to use eminent domain to help underwater borrowers refi..
California Law to Protect Homeowner from ForeclosureJul 6, 2012
California Foreclosure Protection | The California legislature passed a law to help homeowners avoid foreclosure. The law includes no dual tracking and more...
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..
Home Purchase Mortgage Rates | Shop and CompareJul 1, 2012
Compare Home Purchase Mortgage Rates | When shopping for a home purchase loan make sure that you compare mortgage fees and mortgage rates. The best rates are...
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....
Choosing between Life Insurance Term and Unviersal PolicyJun 28, 2012
Life Insurance: Term vs Universal Policy | Life insurance policies cover for different events. Make sure that you choose a policy that covers your needs and....
Today's Mortgage Interest RatesJun 18, 2012
Today's Interest Rates | Bills.com gives you today's mortgage rates. Rates vary over time, by lender, and by borrower., so make sure to compare...
20-Year Mortgage Rates | Save Money Jun 17, 2012
20-Year Mortgage Interest Rates | 20-Year Mortgage Loan Rates are generally lower than 30-Year rates. Before taking a loan learn to compare rates and fees...
Low Interest Mortgage Loans | Shop AroundJun 6, 2012
Low Interest Home Loans | Shop around and find a low interest rate mortgage. Compare products, loot at both mortgage rates and mortgage fees. Learn how...
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 Refinance Rates May 30, 2012
15-Year Fixed Mortgage Rates | Take advantage of low rates and refinance into a 15-Year FRM. Check to see how you can refinance into a lower interest rate and..
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...
Lenders Participating in HARP ProgramMay 22, 2012
HARP Lenders | Underwriting requirements differ between HARP lenders. Big Banks and original lenders are often more expensive. Shop around for the best...
Home Improvement Loans | Learn, Plan, and ShopMay 20, 2012
Home Improvement Loan Information | Whether you take a home improvement loan for personal or financial gains, learn about the types of loans and what you need..
Federal Student Loan Interest Rate HikeMay 6, 2012
Federal Student Loan Interest Rate Hike | Without congressional action the interest rate on Stafford Subsidized Loans will increase starting on ...
Car Loan With Bad CreditApr 29, 2012
Car Loan with Bad Credit | Avoid high interest bad credit loans. Plan ahead, make you budget and take steps to improve your credit. Learn about the steps..
Loans to Help You Get Out of DebtApr 19, 2012
Loans to Help You Get Out of Debt | Taking a loan to get out of debt is like fighting fire with fire. Learn the steps to take to decide if a loan is the best...
HARP 2.0 Mortgage RatesApr 18, 2012
Harp Mortgage Rates | Since the March 19 2012 update, HARP mortgage rates have become more competitive. If you want to find the best HARP mortgage rate, then...
Credit AssistanceApr 9, 2012
Credit assistance can help you climb to debt freedom. Learn where to find the right coaching, and the typical paths to success.
Online Debt Reduction CalculatorApr 8, 2012
Debt Reduction Calculator | Use the Bills.com online tool, Debt Coach, to find the best debt relief options. Save money by using online calculators, such as...
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...
Private Loan ConsolidationApr 4, 2012
Private Loan Consolidation | Deal with your private student loans through a private loan consolidation. You can simplify your payments or gain other...
Credit Card Debt LoansMar 26, 2012
Credit Card Debt Loans | If you have good credit or equity in your home and you want to save money or lower your payment, then a credit card debt loan can...
Pay Off Your Credit CardsMar 18, 2012
Pay off credit cards | If you want to pay off your credit cards, then set up your budget, plan to make your payments on time, and avoid making minimum...
How to Fix Your CreditMar 8, 2012
How to fix your credit | Bills.com provides information and tools to help you fix your credit report, find debt relief options, and improve your...
Taking Out a Fast Unsecured LoanMar 6, 2012
Fast Unsecured Loan | A Fast unsecured loan should be an option of last resort. If you must take out an unsecured loan, make sure you know the risks. Never...
FHA GuidelinesFeb 28, 2012
In 2012, the FHA is increasing the cost of two types of fees that borrowers must pay for FHA loans...
Keeping RecordsFeb 25, 2012
Keeping records | With so many documents, bills, bank statements, you can find answers about how to keep records, which records to keep, and how...
Forbearance on Mortgage PaymentsFeb 22, 2012
Mortgage Payment Forbearance | Pres. Obama in his Building America to Last program calls for an industry wide 12-month forbearance for unemployed...
Citimortgage Fradulent LoansFeb 18, 2012
CitiMortgage Bad Loan | CitiMortgage settled with the FHA for $158 million due to fraudulent loan practices in the DE Lender program. You can expect...
CFPB | Learning about Student LoansFeb 14, 2012
The CFPB and Student Loans | The Consumer Financial Protection Bureau is helping educate the public about student loans. That includes a prototype form for...
HAMP | New Guidelines for Home Loan ModificationFeb 14, 2012
Hamp Guidelines | According to the January 27, 2012 Obama proposal, the HAMP program will update its guidelines to make more homeowners eligible and increase...
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....