Refinancing a Car Loan: Underrated and Usually Quick
If you took dealer financing without shopping, you may be a point or two above your real rate. Usually no closing costs — just watch the term reset.
Loans
Should You Buy Mortgage Points? It Depends on One Number
Cost of points divided by monthly savings gives you a break-even in months. Then answer honestly: how long will you keep this loan?
You Don’t Need 20% Down. You Might Still Want It.
20% is a PMI threshold, not a requirement. What PMI costs, how it ends, and the FHA catch that surprises people in year six.
What You’re Actually Agreeing To When You Cosign a Loan
You’re not vouching for the loan, you’re taking it out. What the obligation covers, why getting off is hard, and the alternative worth offering.