Sebastian Oliveira

Washington, D.C., United States

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What You Need to Know About Bridge Loans

1 day ago | money.usnews.com | Sarah Brodsky |Sebastian Oliveira |Ray Frager

Getty ImagesYou'll have to make interest-only monthly payments on the bridge loan until you sell your old home. Key Takeaways A bridge loan is a type of short-term financing that can help you buy a new home before selling your current home. Bridge loans are generally more expensive than first-lien mortgages, and qualifying can be harder. Before deciding on a bridge loan, consider alternatives like a HELOC or personal loan.
This Unusual Loan Can Help You Boost Your Credit Score

4 days ago | money.usnews.com | Bob Musinski |Melanie Lockert |Sebastian Oliveira |Whitney Blair Wyckoff

Key Takeaways A credit-builder loan helps consumers with a limited or blemished payment history establish credit. Customers make monthly payments, which are reported to credit bureaus. At the end of the term, they receive the loan proceeds. Credit-builder loans aren't widely available at major banks, but there are a range of options at credit unions and online lenders. Building a credit history isn't as simple as securing a conventional loan and paying it off.
How to Set Up Direct Deposit at Your Bank

1 week ago | usnews.com | John Egan |Sebastian Oliveira |Mark Evitt

Key Takeaways Direct deposit is a type of electronic money transfer that automatically sends funds from a payer to your bank account. You can set up direct deposit with an employer or government entity by obtaining, completing and submitting a direct deposit authorization form. Direct deposit provides quick access to funds and less risk of theft or loss than paper checks.
How to Know When You Should Pay for a Better Credit Card

2 weeks ago | money.usnews.com | Lee Huffman |Sebastian Oliveira |Ray Frager

Getty ImagesBefore upgrading your credit card, make sure you spend some time researching your options. Some of the links on this site contain offers from our partners. The offers in this article may be expired or currently unavailable. Key Takeaways If you are looking to upgrade your credit card, research your options before contacting your issuer to see which cards you are eligible for. You may want to upgrade your credit card if you want to earn more rewards or access better benefits.