Articles

  • 4 weeks ago | money.usnews.com | Jennifer Calonia |Emily Roth |Erika Giovanetti

    Can You Get a Personal Loan With Good Credit? Good credit makes loan approval more likely but doesn't guarantee it. You should have no problem meeting the minimum credit score requirement, but you'll still need to satisfy other criteria, including annual income and debt-to-income ratio. Your debt-to-income, or DTI, ratio is a percentage that tells lenders how much you spend on debt each month compared with how much you earn.

  • 2 months ago | money.usnews.com | Jennifer Calonia |Ray Frager |Emily Hayes

    Saving up for a down payment is not the only preparation required for purchasing a home. Improving your credit score, paying down existing debt and avoiding any big financial shifts are among the action steps you'll need to take. You might also begin researching loan types and reputable lenders. Getting to a point where you feel emotionally and mentally ready to buy a house can be a journey on its own. But your work doesn't stop there.

  • Jan 15, 2025 | bankrate.com | Kacie Goff |Varo Money |Jennifer Calonia |Troy Segal

    Applying for a home equity financing is similar to applying for a mortgage. You may wonder, then, do home equity loans have closing costs? And how about HELOCs? While the average home equity loan closing costs can be comparable to primary mortgages — a range of 2–5 percent of the total loan — they’re often much less, amounting to around 1 percent. That’s partly because you’re borrowing a smaller amount (usually) and partly because some of the costs are cheaper or don’t exist.

  • Jan 14, 2025 | sofi.com | Jennifer Calonia

    By Jennifer Calonia. February 01, 2023 · 6 minute read This content may include information about products, features, and/or services that SoFi does not provide and is intended to be educational in nature. Borrowing money to pay for goods and services, with the expectation to repay it, is considered purchasing on credit, and responsibly repaying that debt helps build your credit. However, your cable bill doesn’t quite affect your credit the same way.

  • Jan 8, 2025 | sofi.com | Jennifer Calonia

    By Jennifer Calonia. January 08, 2025 · 7 minute read This content may include information about products, features, and/or services that SoFi does not provide and is intended to be educational in nature. Becoming an electrician can lead to a fulfilling, rewarding, and high-paying career. However, electrician school costs up to $20,000, depending on the program. Paying tuition costs up front may not be possible.

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