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.
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...
Mortgage UnderwritingNov 22, 2011
Mortgage Underwriting and Mortgage Requirements | Learn about the mortgage underwriting process and how it affects your loan application. Be prepared to...
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...
Fannie Mae's Tight Lending GuidelinesFeb 28, 2011
Fannie Mae's Tight Lending Guidelines | Even qualified mortgage borrowers with 740+ credit scores, steady employment, high income-to-debt ratios, and ...
Investment Property MortgageFeb 24, 2011
Removing ex-Spouse from Investment Property | Removing a spouse from an investment property mortgage is not possible, if you can't qualify for a refinance...
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...
Refinancing a HELOCDec 1, 2010
All about refinancing your home equity line of credit or HELOC loan. Learn everything you need to know.
Finding a Great MortgageDec 1, 2010
Purchasing a home? Learn how to find a great mortgage from Bills.com - your complete source for saving money.
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....
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
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...
No Closing Cost RefinancesNov 22, 2010
Lenders often define 'no-cost' refinancing differently, so be sure to ask about the specific terms offered by each lender. Basically, there are two ways to avoi
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..
How Much Can I BorrowOct 26, 2010
Reverse mortgage provides consumer with tax free income that can be used for any purpose. Find out how much you can borrow with a reverse mortgage.
Reverse Mortgage vs. HELOCSep 14, 2010
Compare the pros and cons of reverse mortgages versus HELOC. Find out which mortgage loan is more suitable for you.
Victim of Identity Theft Aug 28, 2009
Victim of Identity Theft | If you receive a summons for a debt you don't you don't know you had or unknown accounts appear on your credit report, you must...
Home LoansApr 7, 2009
Home Loans | From amortization to regulation z, you can get lost in mortgage terms. Learn basic information to help you find the home loan best suited for...
Monex and Goldline for Buying Gold ReviewsDec 29, 2008
Free reviews and advice if you are considering Monex and Goldline for Buying Gold.
Tax Obligation On 401K WithdrawalOct 27, 2008
Learn about tax obligations due to early withdrawals form your 401k accounts. Find. Learn. Save, at Bills.com
Second Mortgage Charge-OffFeb 13, 2008
Letting your second mortgage go into charge-off status puts you at the risk of foreclosure. Your options to avoid foreclosure, and how to handle a deficiency...
Virginia Payday LoanDec 7, 2007
Virginia law specifically allows pay-day lenders to operate and exempts them from the usury laws which apply to many other lenders. Learn more about pay-day lo
Manage MoneyApr 5, 2007
Manage Money | Learn to budget by using the Bills.com budget guide. Learn how to manage your money, so that you pay your bills on time, lower your debt and...