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Financial Health

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Financial Health
Home Equity Debt Consolidation: A Growing Alternative to High-Interest Credit Card Debt

A Unison survey reveals why home equity debt consolidation is becoming the preferred way to lower payments, pay off debt, and break the high-interest cycle.

home lien
Financial Health
Home Liens Explained: What Every Homeowner Needs to Know

Understanding liens as a standard part of home financing can help you approach the situation with confidence rather than worry.

Financial Health
Home Equity for the Win: Reach Your Long-Term Financial Goals

If you own a home, chances are you’ve been building equity for years. Possibly without even thinking about it! Each mortgage payment and uptick in property value quietly adds to your net worth.

person handing money to someone as a personal loan
Financial Health
What is a Personal Loan? Your Guide to Borrowing & Repayment

A personal loan lets you borrow money from a bank or lender and pay it back over time, with added interest. Unlike loans for specific things like houses or cars, personal loans can be used for many purposes.

Financial Health
What Is a Second Mortgage — and Why Do People Get One?

Let’s clear up the confusion. Second mortgages sometimes get a bad rap. They’re often lumped in with risky debt or financial desperation.

Financial Health
Can You Have a Good DTI but Low Credit Score? Here’s What to Know

A low debt-to-income ratio doesn’t always mean a high credit score. Learn why that happens, how it affects loans, and what you can do to improve your financial profile.

Financial Health
What is LTV?

LTV, or Loan-to-Value ratio, is a key metric used by lenders when assessing the risk of a loan, particularly mortgages. It essentially compares the amount of the loan to the appraised value of the property being financed.

Financial Health
10 Commonly Overlooked Tax Breaks and Deductions You Might Be Missing

When it comes to filing your taxes, missing out on valuable deductions and credits can mean leaving money on the table. Some tax breaks are easy to overlook! They may be less well-known or hidden deep within the fine print.

Financial Health
What Are Property Taxes For? How They Work and Why They Matter

When you buy a home, you’re not just investing in the property itself. You’re also committing to paying property taxes, which can feel like an extra burden. But property taxes serve an important purpose in supporting the communities we live in.

Financial Health
What Is DTI? Understanding Your Debt-to-Income Ratio

Debt-to-Income Ratio (DTI) is one of the most important numbers lenders look at when evaluating your ability to repay a loan. Understanding your DTI can help you prepare and potentially qualify for better terms.

Financial Health
Tips for Building a Budget and Creating Better Spending Habits

Creating a budget isn’t just about tracking expenses. It’s a consistent, structured approach to help you gain control, reduce stress, and build a stronger financial future.

Financial Health
How to Get Out of Medical Debt: Smart Strategies to Reduce What You Owe

Medical debt can be among the most stressful financial burdens to carry – especially when it comes unexpectedly or during an already difficult time. But there are practical steps you can take to address it.