Colin Hogan – The News Desk

Why You Might Want to Get a Credit Card From a Small Bank or Credit Union | Credit Cards

16Apr

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Money

Why You Might Want to Get a Credit Card From a Small Bank or Credit Union | Credit Cards

Key Takeaways Credit cards from small issuers may offer lower APRs and annual fees than products from large issuers. Offerings may be simpler with straightforward cash back and limited fees. Small issuers may lack expansive rewards and benefits but could help you limit credit card costs. If you're chasing maximum rewards and benefits, large credit card issuers, including American Express, Capital One, Discover and Chase, generally offer the best options. But if savings are a higher priority for you than earning, don't overlook small credit card issuers. A Consumer Financial Protection Bureau analysis finds that credit cards from small banks and credit unions may offer lower annual percentage rates and fees than cards from large issuers. These credit cards may fly under the radar but co...

23Dec

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Money

PenFed Student Loans Review 2023

Find the Best Student Loan Refinance Lenders Lender Learn More Fixed APR Variable APR Loan Term Lender Learn More Fixed APR Variable APR Loan Term Lender Learn More Fixed APR Variable APR Loan TermWhat Types of Student Loans Does PenFed Offer?PenFed refinances federal and private student loans.How Does PenFed Work?You can start refinancing your student loans with PenFed by filling out an online form and checking your rate. The lender says you can pre-qualify for a loan within a couple minutes, and apply for a loan online in under 15 minutes. The next step involves submitting documentation. You’ll also need to get a PenFed membership as part of the overall loan application, but anyone is allowed to join. You’ll view your loan rate and term, and then be able to e-sign your loan agreement. P...

What Is a Purchase APR? | Credit Card News & Advice

19Dec

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Money

What Is a Purchase APR? | Credit Card News & Advice

Every credit card has certain terms and features you should be aware of – and purchase APR is one of the most important. The APR, which stands for annual percentage rate, is the amount of interest you will pay if you carry a balance.While there are a few different types of APR, perhaps the most important is the purchase APR. Learn more about what it is, how it’s determined and how to qualify for a competitive rate.What Is Purchase APR? Purchase APR is a measure of how much interest you pay on a balance from purchases that you make, says Matthew Goldman, founder of Totavi, a fintech advisory service.Though some cards have a single rate for all types of transactions, many have different APRs. The purchase APR applies every time you buy something from a merchant or service provider.Why Purch...

17Dec

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Money

Compare Current 15-Year Mortgage Rates

National Average Mortgage RatesRates data is based on a borrower with good credit, a conforming loan amount (at least $200,000 but less than the national conforming loan amount), and a loan-to-value ratio of less than 80% (For purchase loans, this corresponds to a down payment of 20% or more). © Zillow, Inc., 2006-2016. Use is subject to Terms of UseU.S. News Expert Insights “Mortgage rates retreated further this week as incoming data on inflation and the labor market continues to point to a cooling economy. In its December meeting, the Federal Reserve elected to hold the federal funds rate at 5.25% to 5.5%, where it's been since July. It appears that the Fed's rate-hike cycle has likely come to an end, so now investors have turned their attention to when rate cuts might com...

Compare Today’s Refinance Rates | U.S. News

17Dec

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Money

Compare Today’s Refinance Rates | U.S. News

National Average Mortgage RatesRates data is based on a borrower with good credit, a conforming loan amount (at least $200,000 but less than the national conforming loan amount), and a loan-to-value ratio of less than 80% (For purchase loans, this corresponds to a down payment of 20% or more). © Zillow, Inc., 2006-2016. Use is subject to Terms of UseU.S. News Expert Insights “Mortgage rates retreated further this week as incoming data on inflation and the labor market continues to point to a cooling economy. In its December meeting, the Federal Reserve elected to hold the federal funds rate at 5.25% to 5.5%, where it's been since July. It appears that the Fed's rate-hike cycle has likely come to an end, so now investors have turned their attention to when rate cuts might com...

17Dec

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Money

Today’s 10 Year Fixed Mortgage Rates

National Average Mortgage RatesRates data is based on a borrower with good credit, a conforming loan amount (at least $200,000 but less than the national conforming loan amount), and a loan-to-value ratio of less than 80% (For purchase loans, this corresponds to a down payment of 20% or more). © Zillow, Inc., 2006-2016. Use is subject to Terms of UseU.S. News Expert Insights “Mortgage rates retreated further this week as incoming data on inflation and the labor market continues to point to a cooling economy. In its December meeting, the Federal Reserve elected to hold the federal funds rate at 5.25% to 5.5%, where it's been since July. It appears that the Fed's rate-hike cycle has likely come to an end, so now investors have turned their attention to when rate cuts might com...

Today’s 15-Year Mortgage Refinance Rates

17Dec

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Money

Today’s 15-Year Mortgage Refinance Rates

National Average Mortgage RatesRates data is based on a borrower with good credit, a conforming loan amount (at least $200,000 but less than the national conforming loan amount), and a loan-to-value ratio of less than 80% (For purchase loans, this corresponds to a down payment of 20% or more). © Zillow, Inc., 2006-2016. Use is subject to Terms of UseU.S. News Expert Insights “Mortgage rates retreated further this week as incoming data on inflation and the labor market continues to point to a cooling economy. In its December meeting, the Federal Reserve elected to hold the federal funds rate at 5.25% to 5.5%, where it's been since July. It appears that the Fed's rate-hike cycle has likely come to an end, so now investors have turned their attention to when rate cuts might com...

17Dec

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Money

Compare Current Jumbo Mortgage Rates

National Average Mortgage RatesRates data is based on a borrower with good credit, a conforming loan amount (at least $200,000 but less than the national conforming loan amount), and a loan-to-value ratio of less than 80% (For purchase loans, this corresponds to a down payment of 20% or more). © Zillow, Inc., 2006-2016. Use is subject to Terms of UseU.S. News Expert Insights “Mortgage rates retreated further this week as incoming data on inflation and the labor market continues to point to a cooling economy. In its December meeting, the Federal Reserve elected to hold the federal funds rate at 5.25% to 5.5%, where it's been since July. It appears that the Fed's rate-hike cycle has likely come to an end, so now investors have turned their attention to when rate cuts might com...

Today’s 30-Year Mortgage Refinance Rates

16Dec

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Money

Today’s 30-Year Mortgage Refinance Rates

National Average Mortgage RatesRates data is based on a borrower with good credit, a conforming loan amount (at least $200,000 but less than the national conforming loan amount), and a loan-to-value ratio of less than 80% (For purchase loans, this corresponds to a down payment of 20% or more). © Zillow, Inc., 2006-2016. Use is subject to Terms of UseU.S. News Expert Insights “Mortgage rates retreated further this week as incoming data on inflation and the labor market continues to point to a cooling economy. In its December meeting, the Federal Reserve elected to hold the federal funds rate at 5.25% to 5.5%, where it's been since July. It appears that the Fed's rate-hike cycle has likely come to an end, so now investors have turned their attention to when rate cuts might com...

16Dec

By adminNo Comments

Money

Compare Current 30-Year Mortgage Rates

National Average Mortgage RatesRates data is based on a borrower with good credit, a conforming loan amount (at least $200,000 but less than the national conforming loan amount), and a loan-to-value ratio of less than 80% (For purchase loans, this corresponds to a down payment of 20% or more). © Zillow, Inc., 2006-2016. Use is subject to Terms of UseU.S. News Expert Insights “Mortgage rates retreated further this week as incoming data on inflation and the labor market continues to point to a cooling economy. In its December meeting, the Federal Reserve elected to hold the federal funds rate at 5.25% to 5.5%, where it's been since July. It appears that the Fed's rate-hike cycle has likely come to an end, so now investors have turned their attention to when rate cuts might com...