Should You Refinance Your Mortgage in 2021?

There is a reason why many homeowners rushed to refinance their mortgages the last year. Borrowers had an opportunity to capitalize on historically low rates, as they spent most of 2020 on a steady decline. But should you refinance in 2021? Is it the right time?

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Alternatives to Debt Consolidation Loans

Debt consolidation loans are personal loans used to merge high-interest debts such as payday loans, credit cards or other bills into a new fixed-rate loan. After receiving the funds from this loan, you use them to pay off your debts. It is an excellent tool to help you gain control over your debt. If you pay back the loan on time, secure a lower interest rate and do not take on any additional debt you cannot handle, you may be able to save a lot of money on interest and pay off your debt faster.

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2021 California First-time Homebuyer Assistance Programs

Buying a home for the first time can be something difficult. In California, which has some of the highest property prices in the country, it can be even more serious. But the Golden State offers several programs to help with closing costs and down payment. Things that you can take advantage of.

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