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Author: Marvin Smart

buy a house

How Long After Debt Consolidation Can I Buy a House?

For millions of Americans struggling with credit card debt, the dream of homeownership can feel frustratingly out of reach. However,

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debts

Is Debt Consolidation Better Than Bankruptcy?

When debt becomes overwhelming, the question inevitably arises: Should you consolidate your debts or file for bankruptcy? Both strategies offer

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consolidate credit card debt

How Do I Consolidate Credit Card Debt?

In 2026, credit card debt remains a persistent challenge for millions of Americans, with average balances climbing to $8,500 per

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2 home equity loans

Are Personal Loans Good for Consolidating Debt?

Managing debts is the reality of life for most of us. Managing multiple debts with various due dates, interest rates,

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credit and personal loan

How Do Personal Loans Affect Credit Scores?

Potential borrowers ask us all the time if taking out an unsecured personal loan affects your credit scores so we

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refinancing

What is Refinancing a Mortgage?

For homeowners navigating today’s mortgage market, refinancing represents one of the most powerful financial tools available—yet it’s also one of

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how much personal loan

How Much of a Personal Loan Can I Get in 2026?

In late 2025, with interest rates stabilizing around 6-36% APR and inflation cooling to about 3%, personal loans remain a

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1st mortgage

Can You Consolidate Debt Into a First-Time Mortgage?

For first-time homebuyers carrying credit card debt, personal loans, or auto loans, the prospect of consolidating high-interest obligations into a

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equity line of credit

Pros and Cons of Home Equity Line of Credit

For homeowners seeking flexible access to cash while leveraging their most valuable asset, a Home Equity Line of Credit (HELOC)

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bank statement loan

Can I Get a Personal Loan with Bank Statements Only?

In 2026, as the gig economy and self-employment continue to boom—with over 36 million Americans classifying as independent workers, per

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refinance personal-loans

How to Refinance a Personal Loan in 2026

As we move into 2026, personal loan refinancing presents both challenges and opportunities for borrowers seeking relief from high-interest debt.

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Is a Personal Loan Installment or Revolving?

As financing experts, one of the most common questions we encounter from borrowers is fundamental yet crucial: “Is a personal

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