Flames, Floods and Fury: Preparing Your Financial Records for the Unexpected

It is quite clear from many recent events that Mother Nature is more than capable of springing some nasty surprises with the weather which can cause terrible devastation and damage, not to mention some events that can be equally as damaging that are manmade. In times of upheaval and sometimes extreme difficulties, we want to […]

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How to Build a Good Credit from Scratch

Establishing a good credit history has never been as important as it is today. It’s not just that you’ll need good credit to get decent rates when you’re ready to buy a home or a car. Your credit history can determine whether you get a good job, a decent apartment or reasonable rates on insurance. […]

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How to calculate Debt-to-Income (DTI) Ratio For My California Mortgage?

Debt-to-Income (DTI) Ratio is one of the many new mortgage related terms many First-Time Home Buyers in California will get used to hearing. DTI is a component of the mortgage approval process that measures a borrower’s Gross Monthly Income compared to their credit payments and other monthly liabilities. Debt-to-Income Ratios are designed to give guidance […]

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