Allison Martin

Cashier’s Check vs. Certified Check: What to Know

Cashier’s checks and certified checks are both secure forms of payments. This guide explores the differences between the two.

04/16/2024

7 Facts to Know About Asset-Based Mortgages

Asset-based mortgages are home loans that are for borrowers with a substantial amount of liquid assets. Here’s what eslse you need to know.

12/18/2023

Available Balance vs. Current Balance: What’s The Difference?

This guide explores the differences between your available and current balance in your checking account and what they both mean for you.

04/16/2024

How Much Can You Save on Auto Insurance?

You can save hundreds of dollars on auto insurance premiums with the strategies offered in this detailed guide.

12/18/2023

Auto Insurance

Why Is Your Debit Card Declined When You Have Money?

Learn the most common reasons why debit cards are declined at the point of sale and what to do if this happens to you.

09/23/2024

What Are Mortgage Points?

There are two types of mortgage points: origination points and discount points. This guide dives into how each works.

09/25/2024

What Is a Preapproved Card Offer?

Learn what a preapproved card offer is and where to access preapproved card offers based on your information and credit profile.

12/18/2023

Credit Cards

When Do Credit Scores Update?

Credit scores update each time activity takes place in your credit file. This guide explains how credit reporting works and what to expect.

09/24/2024

Does Paying Rent Build Credit?

If you have little or no credit history and want to build it up, here’s what to know about how paying your rent may help you build credit.

12/18/2023

Can You Get a Money Order With A Credit Card?

Money orders used to be available for purchase with a credit card. However, this payment method is no longer an option.

09/08/2024

How to Check Your Vehicle History Report

If you're planning to buy a used car soon, learn why and where you can check the vehicle's history to make an informed decision.

12/18/2023

How Long Do You Have to Cash a Check?

Most personal checks are valid for 180 days, but the rules may vary based on the type of check. This guide explores timelines by check type.

09/09/2024

Can You Buy a Home After Bankruptcy?

It’s possible to buy a home after bankruptcy, but the waiting period depends on the lender and home loan product you select. Learn more.

03/25/2024

8 Credit Card Alternatives: How to Choose

Are you having trouble getting approved for a credit card? There are several alternatives worth considering to get the cash you need.

09/08/2024

Credit Cards

Minimum Required Credit Score for A Jumbo Loan

Getting a jumbo loan generally requires more stringent eligibility criteria. Learn more about the ranges and what else you need to qualify.

12/18/2023

How to Buy a House as An Independent Contractor

It can be challenging to get approved for a traditional home loan as an independent contractor but there are private lenders you can turn to.

12/18/2023

Personal Guarantees on Business Loans: What to Know

Learn what a personal guarantee on a business loan means and when you may be personally liable for the outstanding balance.

10/19/2023

8 Facts About No Doc Loans for an Investment Property

No doc loans are a viable option to purchase an investment property. Here are some facts you should know before applying for funding.

12/18/2023

Average Business Loan Rates: What To Expect

Learn what the average interest rate on business loans is, and what factors can affect the rate you are eligible for.

10/19/2023

Does Paying Off Collections Improve Your Credit Score?

Paying off collections won’t improve your credit score right away. Still, there are reasons why it may be best to repay what’s owed.

02/19/2024

Can You Use a Debit Card to Build Credit?

Most debit cards from traditional banks can’t be used to build credit history, but learn alternatives to build credit while using a card.

09/24/2024

Your Guide to Vehicle Service Contracts

Learn how a vehicle service contract covers costly repairs so you can keep more of your hard-earned money in your pocket.

01/01/2024

Buying vs. Leasing a Car: How to Choose

Torn between purchasing or leasing your next vehicle? Learn the differences here, to decide which option is right for you.

01/01/2024

Is the Interest on a Home Equity Loan or a HELOC Tax Deductible?

Can you deduct interest paid on a Home Equity Loan or HELOC from your taxes? Learn in which cases it is deductible and how to claim it.

09/25/2024

Home Equity Loans

What Is Earnest Money When Buying a House?

Learn what earnest money means when buying a house and how it assures the seller you are serious about purchasing the home.

08/28/2024

Can You Buy a Money Order with A Debit Card?

It’s possible to purchase a money order with a debit card at several locations nationwide. We'll also list reasons when you should use one.

04/16/2024

How to Check Your Credit Score Without Hurting It

You can check your own credit score as often as you’d like without hurting it. However, hard inquiries can ding your credit score.

12/18/2023

What Is a Fair Credit Score?

Learn about credit scoring models, what’s deemed as a fair credit score and why it’s worthwhile to improve your credit health.

12/18/2023

How Can a Young Person Establish Credit?

Young individuals have several options to establish credit. Consider using Experian Go to simplify the process.

12/18/2023

How Much Does a Car Depreciate per Year?

Learn how much a car depreciates per year depending on the make, model, mileage and condition of your vehicle.

01/01/2024

How Debit Card Loans Work

Debit card loans cater to consumers who need fast cash. Learn how the loan proceeds are deposited onto your debit card to be used right away.

04/16/2024

Loans

Your Guide To 401(k) Hardship Withdrawals

If you prefer not to use a credit card to access the funds you need, learn how 401(k)hardship withdrawal could be a viable option.

08/24/2023

Stated Income Mortgage Come-Back: Should You Get One?

Stated income mortgages are not longer available. But discover alternatives if you’re having trouble qualifying for a traditional mortgage.

12/18/2023

Unemployment Cash Advance Apps

If you’re unemployed and in a financial bind, you may be eligible for a cash advance to hold you over. Here’s how they work.

05/29/2023

Personal Loans

Are Jumbo Mortgage Rates Higher than Conventional?

Jumbo mortgage rates are sometimes higher than what you’ll find with conventional mortgages. But this isn’t always the case. Here’s why.

12/18/2023

How to Negotiate a Car Lease

In this guide, you’ll learn how to negotiate a car lease and get the best financing deal and monthly payment that you can comfortably afford.

01/01/2024

How Old Do You Have to Be to Get a Debit Card?

Learn more about how old you have to get a debit card and what most banks require to open a checking account with them.

09/23/2024

How Far Back Can the IRS Audit?

In most instances, the IRS goes back three years for audits. But there are circumstances that could warrant a longer statute of limitations.

08/24/2023

How to Buy a House With a 1099?

Learn how to buy a house with a 1099, and discover mortgage loan options that cater to independent contractors.

12/18/2023

How to Choose Best Debit Card for College Students

With so many debit cards for college students to choose from, it can be challenging to find the best fit. Here’s what to look for to decide.

09/23/2024

Car Loan Debt to Income Ratio Explained

Learn how lenders use your car loan debt-to-income ratio, along with other factors, to determine if you’re a good fit for a car loan.

01/01/2024

What Is an Investor Cash Flow Loan?

An Investor Cash Flow Loan is a mortgage program that lets real estate investors use projected cash flow on property to qualify for a loan.

12/18/2023

DSCR Loan Program: Requirements and Qualifications

DSCR loans are a viable option for investors looking to expand their portfolios. Here’s what you need to know about loan requirements.

02/22/2024

How Enrolled Agents Can Help You with Tax Problems

Are you dealing with tax-related challenges? Read on to learn more about enrolled agents and how to decide if hiring one is a smart move.

08/24/2023

Options For Self-Employed Home Loans

It’s possible to qualify for a mortgage if you’re self-employed, but you’ll likely have to provide additional documentation to get approved.

12/18/2023

Penalties for Not Paying Sales Tax

If you’ve fallen behind on sales tax payments, you could be subject to steep penalties. But there are options to help resolve your balances.

08/24/2023

Roof Replacement Cost: What to Expect

Roof replacements are costly. Learn what factors, including location, materials and condition, can affect your roof replacement cost.

01/23/2024

Home Improvement Loans

Using Accounts Receivable Financing to Grow Your Business

Tired of waiting for customers to pay outstanding invoices? Accounts receivable financing can get you the funds needed to grow your business.

10/19/2023

What Are Different Credit Score Ranges?

Most credit scores range from 300 to 850. However, it depends on the credit-scoring model, the most prominent being FICO and VantageScore.

12/18/2023

A Complete Guide to Loans for Doctors

National Business Capital offers flexible financing options exclusively for medical professionals looking to grow their practice.

10/19/2023