RALPH’S PRESS

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...

Ralph DiBugnara is a successful serial entrepreneur and real estate expert. He holds the prestigious roles of President of Home Qualified, a digital resource for buyers and sellers, and Vice President at Cardinal Financial, a nationally recognized mortgage loan...

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...

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

Unless you’re a house flipper, property ownership is usually associated with a long-term commitment. But, as the COVID-19 pandemic has shown, priorities can change and that can impact what we need and want from our housing. READ MORE

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...

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...

Joining forces with others for a common cause can lead to better outcomes than going it alone. Case in point: buying a house, especially if you have a low credit score, limited credit history, or limited income. Getting another co-borrower or co-signer to join you in...

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...

You’ve got your mind set on buying a home. Maybe you’re playing a long game, slowly but steadily building up that “down payment” savings fund. Or perhaps you’re hoping to be moved in and settled by the start of the new year. Wherever you are in your homebuying...