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Borrow Money

Using credit can be a double-edged sword. Sometimes it can get you into your dream home, other times it can be a nightmare when weighed-down by credit card debt.

Find expert guides, how-to's, and tips on borrowing money without destroying your financial future.

Mortgage Forebearance

December 2, 2020

How Does Mortgage Forbearance Work?

No one buys a home with an expectation to ever foreclose on it. But the reality is, when you buy a home you’re typically locking yourself into either

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Pre-Approved Home Loan

October 14, 2020

How to Get Pre-Approved for a Home Loan

From beginning to end, the home buying experience can be unsettling, intimidating and confusing. There are various ‘tests’ along the way that you must

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HELOC

October 12, 2020

What is a Home Equity Line of Credit (HELOC)?

If you have accumulated equity on your home, you might be able to convert it to cash. One way to accomplish that is with a home equity line of credit,

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Mortgage Refinance

September 29, 2020

What to Know Before Refinancing Your Mortgage

A mortgage refinance replaces your current home loan with a new one. The most common reason to refinance is to reduce the interest rate on the

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Cash-Out Refinance

September 28, 2020

What is a Cash-Out Refinance?

For many Americans, their home is the biggest asset on their personal balance sheet. However, real estate is highly illiquid, meaning it's not quick

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Buy or Lease a Car

September 24, 2020

Should I Buy or Lease a New Car?

In need of a new car? If you’re not paying cash, a buyer is faced with an important decision; buy or lease? Let’s kick the tires on both

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Online Lenders

September 23, 2020

Online Lenders: What You Should Know

Prior to the internet, the only way you could get a loan was to go to the local bank or credit union. Those who needed a mortgage or personal loan

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Consolidate Debt

September 22, 2020

How to Consolidate Debt With a Personal Loan

Does it ever seem like you have too many bills to pay every month? Student loans, car payment, credit card, etc. Each of these bills has a different

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Raise Credit Score

September 21, 2020

How to Raise Your Credit Score

What can you do if your credit score is low? Alternatively, how can someone who has limited credit, or who has gone through tough times, raise their

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401k Loan

September 9, 2020

To Take, Or Not To Take, a 401(k) Loan

People run up against unforeseen financial challenges. The household furnace blew up in the middle of winter, or there’s an unexpected healthcare

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Student Loan Refinance

September 8, 2020

How to Refinance Your Student Loans

Burgeoning student loan balances and stale income growth has put many borrowers in a tough spot. Luckily, there are steps people can take to make ends

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Co-Sign Studen Loan

September 1, 2020

Co-Signing on a Student Loan

One of the most important milestones in your child’s life is being accepted to the college or university. But once they matriculate, the next hurdle

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Home Loan

August 24, 2020

Home Buyer Down Payment Guidelines

People have generally believed that you need a down payment of 20% of a house’s purchase price. You can get a mortgage for the remaining 80% or so.

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August 19, 2020

Should I get a 15 or 30-year Fixed-Rate Mortgage?

You’ve decided to buy a home. Congratulations! You’re ready to pick a mortgage term. Especially if you’re a first-time home buyer, it’s important to

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Mortgage Broker

August 14, 2020

How to Choose a Human Mortgage Broker

You are buying a house. You have a down payment and need to secure mortgage financing for the reminder of the purchase price. Searching for the best

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About Proper Cents

Proper Cents is part of the Waaz Media family, and focuses on educating individuals and families about all things related to personal finance.

The mission of Proper Cents is to give a little boost to those looking for a brighter financial future.

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