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.
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....
The Costs of PMIFeb 2, 2012
Mortgage Insurance | Learn about the different types of Mortgage Insurance, the Mortgage Insurance Companies, and the different factors in the cost...
Mortgage Rates and Mortgage FeesJan 23, 2012
Mortgage Rates and Mortgage Fees | In a dynamic market, their are upward and downward pressures on mortgage rates and mortgage fees. Learn about...
Mortgage Fees Rise Due to CongressJan 19, 2012
Mortgage Rates and Mortgage Fees | The payroll tax law raised mortgage guarantee fees. Before shopping for your mortgage loan, learn about...
401k withdrawal and international wire transferJan 5, 2012
Withdrawing funds from a 401k | Before you withdraw funds from your 401k retirement account and make a wire transfer, learn about the key factors...
Cosigning a student loanDec 25, 2011
Cosigning a student loan | Learn about the advantages and disadvantages of cosigning a private student loan. Review important tips to so you get the best...
Private Student LoanDec 15, 2011
Getting a private student loan | Learn about the important features of private student loans and how to choose the right private student loan. Make sure you ...
Getting a Federal Student LoanDec 13, 2011
Getting a federal student loan | Learn about the different types of federal aid and federal student loans, including information about interest rates,
Student Loan InformationDec 7, 2011
Dependent undergraduate students can borrow up to $5,500 in Stafford Loans in their first year of study, and up to $6,500 in their second year...
refinance first and second mortgagesDec 1, 2011
Refinance first mortgage and home equity loan | If you want to refinance two mortgages, even if they are with the same bank, then check your LTV, and
Fannie Mae DU Refi Plus for Harp RefinancingNov 29, 2011
Fannie Mae Refi Plus | Refinance your underwater home with the new HARP mortgage program. Learn how the DU Refi Plus can help you qualify. Start by...
Chapter 13 MortgageNov 1, 2011
Chapter 13 Mortgage Refinancing | Your refinancing options are limited while in bankruptcy but it is still possible. The first thing you need to do is...
Credit RepairMay 27, 2011
Credit Repair | Remove inaccurate information through a dispute process. Use an online process offered by major Credit Reporting Agencies. Learn to improve...
Impact of the Japan Earthquake on Mortgage RatesMar 28, 2011
Mortgage Rates and the Japanese Earthquake | We recommend Bills.com borrowers to assess their financial needs and consider macroeconomic factors when...
Mortgage Principal ReductionMar 11, 2011
Mortgage Principal Reduction | Due to the housing crisis there are many underwater borrowers. A controversial solution is principal reduction, which cancels...
Life Insurance BeneficiaryDec 27, 2010
Life Insurance Beneficiary | Life insurance is a contract between the insurance company and the person insured. A third-party beneficiary receives benefits...
Reverse Mortgage ProcessDec 1, 2010
Discover the reverse mortgage process and what's involved with securing a reverse mortgage loan
Refi Pros & ConsDec 1, 2010
Learn the benefits and disadvantages of a mortgage refi with information and resources from Bills.com - your source for saving money.
Fix Bad CreditDec 1, 2010
Fix Bad Credit | Your credit rating is calculated based on several variables, including your payment history. Paying off delinquent accounts and...
Home Refinance OptionsDec 1, 2010
Home Refinance | Refinance Your Home with the free tools, calculators and tips you need to find the best Home Refinance loan like a...
Refinancing a HELOCDec 1, 2010
All about refinancing your home equity line of credit or HELOC loan. Learn everything you need to know.
Budget GuideDec 1, 2010
Free Online Budget Guide - Learn how to manage personal finances, establish and balance a budget, and stay out of debt with the free Bills.com Personal Finance
Credit Report RepairDec 1, 2010
Credit Reporting After Paying Off Credit | The reporting agencies must update and keep accurate data in their credit files. It takes time to update your....
Assumable Mortgage & EstateNov 20, 2010
Assumable Mortgage and Estate | An assumable mortgage is a mortgage that can be transferred from a seller to a buyer. Check your contract and contact...
Long Term Care InsuranceNov 17, 2010
Long-Term Care Insurance | Planning for long-term care requires foresight. Review your coverage and protect yourself from potential financial harm by...
Setting Long Term GoalsNov 16, 2010
A personal budget is more than simply monitoring your expenses. Use your personal budget to help you attain your long term financial goals from buying a new ho
Personal Budget WorksheetNov 16, 2010
Get the steps on completing your own personal budget. Use the budget to monitor what you are spending and ensure you are spending less than your income.
Buying a Home Step 6: Seal the DealNov 4, 2010
Buying a Home Guide - Seal the Deal | After finding the mortgage right for your situation, make sure that you carefully review the closing documents and...
Home ValueOct 26, 2010
Home Value | The market value of your property is determined by its location, plus its amenities such as the number of bedrooms, bathrooms..