Marianne Hayes

Tampa Bay

Freelance Writer at Freelance

Content Marketing Writer at Freelance

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Articles

What Is a High-Yield Savings Account?

1 week ago | experian.com | Marianne Hayes

Quick AnswerHigh-yield savings accounts offer above-average interest rates. That can help your money grow faster, and many come with low or no fees. Online banks tend to have the highest APYs.As the name implies, high-yield savings accounts offer higher interest rates than traditional savings accounts. That can allow your money to grow a little faster without exposing you to investment risk—and the more you deposit, the more you stand to earn.
Tips for First-Time Homebuyers: What You Need to Know

2 weeks ago | experian.com | Marianne Hayes

Home-Shopping Tips for First-Time Homebuyers Housing inventory can fluctuate and will depend largely on whether it's a buyer's or seller's market. Having said that, here are some tips that can make finding a home a little easier. An experienced real estate agent can be one of the most important people on your homebuying team. They should be familiar with housing trends in your area, which can help you make a competitive offer that's aligned with your budget.
What Is the CMT Rate?

2 weeks ago | experian.com | Marianne Hayes

Quick AnswerThe Constant Maturity Treasury (CMT) rate is based on the average yields of different U.S. Treasury securities. Many mortgage lenders use the CMT rate when determining what rates to offer on adjustable-rate mortgages. If you have an adjustable-rate mortgage, or are planning on getting one, the Constant Maturity Treasury (CMT) rate could affect your monthly payment. That's because many lenders use it when calculating their rates for variable-rate mortgages.
5 creative ways to fund your business

2 weeks ago | aol.com | Marianne Hayes

Launching a successful business takes a great idea, but it also takes capital to turn that idea into a reality. While some businesses require little to no funding, it’s likely you’ll need at least a little seed money to get off the ground—and more as you grow. Traditional funding options, such as bank-provided business loans, can be a powerful tool for established businesses, but their requirements typically make them unobtainable for newer operations.
5 creative ways to fund your business

2 weeks ago | stacker.com | Marianne Hayes

Launching a successful business takes a great idea, but it also takes capital to turn that idea into a reality. While some businesses require little to no funding, it’s likely you’ll need at least a little seed money to get off the ground—and more as you grow. Traditional funding options, such as bank-provided business loans, can be a powerful tool for established businesses, but their requirements typically make them unobtainable for newer operations.
Rent-to-Own Homes: How It Works

1 month ago | experian.com | Marianne Hayes

Quick AnswerA rent-to-own agreement allows you to rent for a predetermined amount of time before purchasing the home. During your rental period, a portion of your monthly payments will likely be set aside for your down payment. Saving for a home down payment, qualifying for a mortgage and covering closing costs isn't always easy. A rent-to-own home allows you to pay rent for a predetermined amount of time before buying the home when the rental period ends.
How to Determine Home Value

1 month ago | experian.com | Marianne Hayes

How to Determine Home ValueCalculating a home's fair market value isn't an exact science, and a professional home appraiser may come to a different dollar amount than a real estate agent or online valuation tool. You might collect multiple estimates, then compare them to see if they're in the same ballpark. Having said that, below are four strategies for determining a home's value. Learn more: Assessed Value vs. Market Value: What's the Difference?
What Is a Mortgage Statement?

1 month ago | experian.com | Marianne Hayes

What Does a Mortgage Statement Look Like? A mortgage statement offers an overview of your most recent loan details. It's typically one or more pages long and highlights the following information. This should include your loan servicer's name, address and customer service phone number. If you're paying by check, be aware that the address you send your payment to may be different from the main address listed at the top of your mortgage statement.
What Happens to Your Mortgage if You Get Divorced?

1 month ago | experian.com | Marianne Hayes

Options for Handling a Mortgage in a DivorceWhen it comes to a joint mortgage, you have two options. The right one for you will depend on your goals, your financial situation and what you and your ex-spouse are able to agree on. One of you may want to stay in the family home, especially if you have children who are comfortable living there. Remember that any home equity you've established technically belongs to the both of you.
What Are Mortgage Loan Originators?

1 month ago | experian.com | Marianne Hayes

Quick AnswerMortgage loan originators guide homebuyers through the process of applying for and securing a home loan. That may be a loan officer who works directly for a lender or a mortgage broker who has relationships with multiple lenders. From getting preapproved for a mortgage to closing on your home loan, you'll likely work with a mortgage loan originator who guides you through the process from start to finish. It's an umbrella term that generally includes mortgage brokers and loan officers.

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