Learn how a personal loan affects DTI and mortgage approval, when it helps or hurts, and how lenders evaluate new debt before underwriting.
Las Vegas Real Estate
LAS VEGAS REAL ESTATE NEWS
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Mortgage Resources
How to Get a Personal Loan: A Step-by-Step Guide for 2026
by Peter Wardenby Peter WardenPersonal loans are among the easiest and cheapest to find and apply for. This step-by-step guide will teach you how.
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Can you sell a house with a reverse mortgage?. Learn how the sale works, what heirs should know, and your equity options.
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Mortgage Resources
How Are Home Equity Loan Rates Determined in 2026?
by Olivia Langeby Olivia LangeHome equity loan rates are set by combining the prime rate with a lender margin based on your credit score, loan-to-value ratio, and debt-to-income ratio.
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LOAN RESOURCES
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Uncle Sam wants you, and he’s willing to pay you a good chunk of cash. The U.S. Army announced that it will pay up to $50,000 – its largest bonus ever – to recruits who qualify and sign on for a six-year active-duty enlistment. The bonus package is based on a number of factors that […]
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. -
It’s no secret that Netflix is cracking down on password sharing. Soon you’ll find yourself paying an additional charge if individuals outside your household access your Netflix account. While we don’t have details on when the change is rolling out, Netflix has already provided a tool to ease the pain — the profile transfer feature. […]
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. -
Loan Resources
Dear Penny: My Dad Spends Up to $30K/Month. Could I Be Liable for His Debt?
by Evolveby EvolveDear Penny, A few years ago, my parents got divorced. I’m in my mid-30s with my own family. The divorce was messy with lots of debate over money. My mother confided that my dad is deep in debt, spending sometimes $30,000 a month, at least, when she could still see his bank accounts. I don’t […]
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. -
Life insurance provides cash to your beneficiaries after you die. It’s meant to help replace your income. But what about buying life insurance if you’re over age 60 or 65? Does it make sense? In some situations, it can make sense to spend thousands of dollars a year for a life insurance policy after you […]
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. -
Buy now, pay later apps are an increasingly popular way to finance purchases. Companies like Affirm, AfterPay and Klarna let you split the cost of everyday purchases — from running shoes to groceries — into several installment payments. Pay-in-four loans are the most common model. You’re required to make a small down payment, usually 25%, […]
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. -
Curious about freezer meals, but don’t want to wind up with a flavorless mess? Try these healthy dinner recipes that freeze well and won’t break the bank. A little advance prep will save you lots of time when you need a quick meal.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
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Las Vegas Housing News
The home pulls on Wright’s philosophy of organic architecture, mixing clean lines with the landscape of the lake and desert, according to the listing.
Social media is filled with influencers rating electrolyte supplements or even telling followers how to make their own.
The time-traveling romantic adventure “Outlander” is coming to a close as the eighth and final season just debuted on Starz.
MORTGAGE NEWS
https://arizent.brightspotcdn.com/8e/93/7ef99253408dbd02c9042359705e/443333444.jpg Key insight: Federal Reserve Gov. Stephen Miran says monetary policy is “too restrictive” and that the central bank should cut rates quickly. Supporting data: Miran cited slower population growth …
Why non-QM underwriting is guiding mortgage lending’s future
https://arizent.brightspotcdn.com/af/89/9b8250f8470094b2b06b5c150a4e/homes-overhead-shot.jpg This has been a year of contradictions for mortgage lending. Rates remain elevated, inventory is scarce, origination volumes are weak — yet one segment of the market continues to …
https://arizent.brightspotcdn.com/0a/cb/6238e78f4b6989478caf5e324f3a/img-1061-resized.jpg Key insight: FICO’s partnership with Plaid shifts credit scoring more toward real-time cash-flow signals. Expert quote: Cornerstone Advisors’ Ron Shevlin says real‑time cash flow can provide a more up‑to‑date …