RALPH’S PRESS

How to get a home equity loan with bad credit

To get a home equity loan with bad credit, you’ll likely have to have a low debt-to-income ratio (DTI), a high income and at least 15 percent equity in your home. Having poor credit means you might face a tougher time borrowing money, but it’s not impossible to...

What are the tax implications of a cash-out mortgage refinance?

A cash-out refinance allows you to borrow from your home equity, which is the difference between your current mortgage balance and the total value of your home. For example, if your home is worth $200,000 and your current mortgage balance is $150,000, you have $50,000...

Housing Market Predictions for 2022: Rates, Prices & Inventory

The 2021 housing market was a double-edged sword for home shoppers. Low rates and increased flexibility with working from home put many first-time buyers on the map. But limited inventory and skyrocketing prices made housing harder to come by. READ MORE

8 Insider Tips To Get Rich in Real Estate

If your only experience investing in property involves paying your home’s monthly mortgage, you might want to consider expanding your real estate portfolio. In fact, there are a number of ways to make money through real estate, and not all of them require taking out a...

Is it worth refinancing to save $100 a month?

For many homeowners, it’s worth refinancing to save $100 a month. Whether that’s true for you depends on a number of factors. Do you need the extra wiggle room in your budget? Will you stay in the home long enough to “break even” with the cost of refinancing? Or can...

10 first-time homebuyer tips

As home prices continue to climb, buying a home for the first time might seem like an unattainable goal. With planning and discipline, though, that goal might not be as unreachable as you think. Here are some smart money moves and home-buying tips you can make today...