Banking

Learn what APY means, how to calculate it, and how it differs from a flat interest rate. I also share how to calculate your APY if you are in a product that is less than a 12 month term.

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I get many of the same questions from first time HELOC customers. I answer all of them on this page. You should feel much more comfortable with this product and whether it is right for you or not.

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Ever wondered how someone gets started with credit? I share my thoughts on a couple of different ways to get going. I also share my recommendation for the best way to get off to a fast start with your credit. These ideas also work if you are trying to rebuild your credit.

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Besides your credit score, your Debt-to-Income Ratio is the most important factor that underwriters will consider when deciding whether or not to approve your loan application. Find out how it works here, and how to put the odds in your favor.

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