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Mortgage interest rates have started to creep up! There may never be a better time to:

Mortage interest rates this week
  • Mortgage Refinancing
  • Purchase a Home
  • Get a Home Equity Loans
  • Get a Equity Line of Credit
  • Consolidate Your Debt
  • Get a Second Mortgage
  • Make a Home Improvements

If your credit rating is less than perfect you can even apply for bad credit loans

Check out our mortgage calculator to see your estimated payment for different loan amounts, interest rates, and terms.

    What's advantage for you:

    Bad Credit Loans If your credit is truly damaged, you may need a "SubPrime" loan. These loans may have higher interest rates, but they can often get you approved when no one else can.
    Refinance Your Home Mortgage Refinancing replaces your existing loan with another lower interest rate loan for the same amount. This can save you tons of money when market interest rates drop 1 or more percentage points lower than your present rate. Refinancing can be used to reduce your interest rate, change the term of your loan, or to consolidate your debts.
    Home Equity Loans With a Home Equity Loan you can use your home as collateral to consolidate bills, make home improvements, buy a new car, plan a vacation, etc. The minimum amount available for a loan is $10,000, but you can borrow as much as $250,000. There are no closing costs or fees associated with the loan.
    Debt Consolidation Signup for a free debt reduction analysis and see how you can save lots of money!
    Second Mortgages If you don't want to refinance your existing first mortgage, but would like to use your home equity for debt consolidation or just to get cash for any purpose.
    Home Improvement The Title I loan is for individuals requiring funds for home improvement, but who have little or no equity in their property or who live in a state where equity loans are very limited. If you have some equity in your home you may want to consider refinancing for your home improvements. Title I loans bear a higher interest rate than other loan types available.
    First Time Home Buyer Loan Generally, a lender will want your monthly mortgage payment to total no more than 29% of your monthly income before taxes and other paycheck deductions are taken out. Use our mortgage calculator to see what will be your monthly payment

    Take just 5 minutes and find the loan that fits your needs and save thousands of dollars, and best of all it's FREE!

Mortgage Interestrates Blog

Start Up Your CBD Business with These Steps


Although CBD is relatively new, it’s still taking the people by storm with its great number of benefits and accruing great number of positive Gtvok's CBD reviews. That’s why it’s no surprise that more and more people are thinking of opening up their very own CBD business.

If you’re planning to venture into this product, here are some of the steps you will have to follow to make it in the industry.

Do Your Research Well

Despite CBD and its benefits being popular and “in”, you will still have to do a thorough research of the product before venturing it out into a business. As a business owner, you have to be familiar with what you’re offering to the market.

You also have to decide which products of CBD you can and want to offer: CBD oil, creams, or gels are some good examples of this.

Name Your Business

Naming your business is one of the most exciting parts of putting up a business. However, this should not be taken lightly as your business name will be the first thing consumers will know about you.  Therefore, you should think of a name that’s fun yet relatable and interesting.

Establish Your Business Entity

When you have already chosen a business name, the next step is to give establish your business entity. This part may be a bit exhausting with all the paperwork needed to be filled, but one of the things you can do to lessen the paperwork is to set up your LLC under the same name.

Come Up with A Logo

Your company logo, just like your business name, is a representation of what your business is about. When designing it, try to make it as original as possible without straying from the core of your business.

Open a Business Bank Account

Open a business bank account to make transactions such as payments easier. It's important to have a separate account for your business to better track the finances.  

Also, apply for a merchant account and a special CBD merchant processor. Be sure to choose a bank that offers CBD processing.

Choose A Good Supplier

Your product supplier will be a huge part your business, which is why it's imperative that you partner up with a supplier that offers good and  special products all while being reliable.

Choose The Right Fulfillment Company

Fulfillment company will also handle a big part of your business such as inventory and shipments, therefore it's equally important that you choose a stable and reliable fulfillment company to prevent any problems in the future

Put Up A Website

The world is now in a computer age, and so it is only wise that you put up a website for your CBD business. Your business website will open doors for potential buyers that physical stores can't.

Have a Social Media Presence

Take advantage of technological developments by establishing a social media presence. A lot of people are now on social media, and so being present in these platforms will be beneficial to your business.

Devise Marketing Strategies

Aside from social media presence, other marketing strategies still need to be created in order to ensure the success of the business. Reach target buyers in different ways by using technological forces and traditional marketing strategies.


Despite being a popular product now, CBD business still requires impeccable focus, determination, and hard work from the owner to be successful. Thus, be prepared to handle all the challenges that will come with putting up your own business to also enjoy the fruits of it.

Tips on How to Grow Your Own Money Through Gardening


Growing a vegetable garden is not just rewarding, but also, it helps us grow our own money. Through gardening, we are able to produce our own herbs and vegetables, thus enabling us to save from buying through the groceries. It also makes us aware where our food is coming from, making sure it is safe and free from unwanted radicals and chemicals. Here are some ways on how to start your own garden:

Do some research.

Before starting your own garden, one must know which plant is suitable for your place. Some plants can grow with minimal sunlight, but others need more sunlight to reach full growth. Make some inquiries regarding irrigation, pesticide management, and making a fertile compost. On irrigation, it is best to put drip lines and soaker hoses to allow each plant to be irrigated well. Find ways on how to become a cost-efficient gardener in order to grow your own money.

Prepare your garden.

Make sure the location of your garden is well- ventilated and can easily be supplied with water. This is very critical especially in herb and vegetable gardening. During planting, allow ample space for each plant to grow and absorb nutrients. If you have restricted space, you can make a U-shape or a spiral bed to allow your vegetables to grow. Before you put your mulch, put newspaper in it to prevent weeds and grass from coming up.

Build garden beds made of wood to allow sufficient and rich soil.

Garden beds are good for starters since it makes it more convenient and less time consuming. Garden beds allow you to save space, thus allowing you to plant more crops. This also is a low-maintenance gardening method as compared to the typical row gardening as it shades the soil allowing it to cool down which means less water and less weeds growing. Trellising allows you save your garden space while growing up your plants. This is usually used for tomatoes, melons, cucumbers, and other peas.

Crop rotation is also recommended with gardening.

Not only does it keep away pests and pathogens, but it also prevents depletion of nutrients from the soil. To use this system, you have to carefully plan and put on paper the plants growing on that season and even the exact location of the plants. It will be hard to rely on pure luck or memory alone.

Planting crops in sequence allows you to have a constant harvest all year round.

It is time-consuming to plant at the same time since you have to prepare the beds for around 1-2 days. It will be more convenient to transplant or plant one at a time. Plant something new every week according to the season. This allows you to have a continuous harvest afterwards.

Maintain good record. Keep track of your success and failures.

Bear in mind how plants grow throughout the year. Tracking notes helps you remember what you did wrong to avoid doing the same mistake again and what you did right to profit the same outcome. Jot down notes on when you put fertilizer and when you plant and harvest your garden. This kind of record keeping will help you in your future endeavor as a gardener in the future.

These are just some ways on how to grow your own money through gardening. If you are able to produce good harvest, then you are able to allow more money to come your way. 

Steps in Starting Your Own Mortgage Company


Putting up any business requires a number of things. Starting up your own mortgage company is not any different. Whether you plan to put up a small company or quite a big one, you must check this List of 139 Catchy Name Ideas for Your Car Wash Business along with the important documents needed. To give you an idea, here are some of the steps you will have to take in the whole process:

Get The Funds

You cannot start a mortgage company if you don’t have the funds to lend borrowers the money they need. It’s the first step to starting up your own mortgage company. The amount of capital that you need depends on how big your starting company is and who your target market is.

Think of A Business Name

Of course, every business needs a business name. Naming a business, however, is not something that should be taken lightly. Your business name will be your front-line, and so it necessitates a professional yet catchy name. Be careful about giving your business a very long name, too. You have to make sure that the name you come up with is easy for borrowers to remember.

Register to Be a Business Entity

Getting to the more complicated part of putting up your mortgage company, you need to register to be a business entity. This is when you will go to the secretary of state and present your chosen business name. You will need to check the business listing to ensure that the business name that you chose is unique as no two businesses may have the same name.

Register to NMLS

Register to Nationwide Mortgage Licensing System or something similar in your area. This is where individuals and companies that provide mortgage services are listed. There are different licenses, permits, and requirements so make sure you have the right one for the kind of mortgage company you plan to put up.

Submit The Necessary Documents

There will be quite a number of documents you will need to submit. You may already have some of them, while others you will have to get elsewhere. Be patient in this step. It's definitely exhausting, running from one place to another to obtain all the required papers, but you really have no choice but to comply if you want your business to have a solid legal foundation and avoid future legal problems.

Pay The Bond and Get Insurance

Having bond is for your clients should your company cause loss to them. It's also smart to get insurance. Insurance is for your company and you. Should anything happen, there will at least be some help available for you.

Come Up with Business Logistics

Straighten out the details of your mortgage company. Set up a place. Decide on plans and packages. Basically, smooth everything out.

Build A Reliable Team

The people who will be working with you are a vital part of the success of your company. Qualifications are necessary, but do not forget to consider character as much; truth be told, character is probably more important. Remember, you can teach skills, but you cannot teach attitude.

Advertise and Market

When all of these are done, you can now advertise and market your newly-built mortgage company. In this age, marketing and advertising are not as challenging anymore. The Internet is at your disposal, and so are the numerous social media platforms. However, do not forget to do traditional marketing and advertising as well.


It's imperative that you follow these steps to ensure a smooth run for your new company. All the steps are equally vital. Be very cautious, but expect some losses. However, if everything is done right, your mortgage company is very likely to succeed.

Your Mortgage Broker SEO Guide


As a mortgage broker, you are assured of job security. The need for loans is a never-ending need for people, and this means you will never run out of business. This is always asked to that how can you reach potential customers who need your services?

This is where SEO comes in. Mortgage broker SEO is a crucial investment which requires both time and money. It can reward your business with an increase in lead generation and sales. Imagine how your business would expand if hundreds of people get to know about your services.

Why Use SEO as a Mortgage Broker

The first benefit of SEO is that it can bring your site to the top position in the search engine results page. Therefore, potential customers are likely to come across your business and visit your website.

Second, by using proper SEO strategies, you can optimize your website. Also, you get the opportunity to show your expertise to the world. As a mortgage broker, SEO provides you with a chance to nurture trust with potential clients.

Mortgage brokerage is a competitive industry. There are many financial institutions such as banks and SACCOs which offer the same services. Therefore, how well your business does in the market depends on your marketing skills.

How to Use SEO to Generate Leads

With the introduction of the internet, anyone who needs further clarification or information will simply look it up online. This claim is backed by statistics which show that 90% of house buyers search for mortgage brokers online. What a user types in the search bar decides what results the search engines yield. Most of the time, SEO goes hand in hand with organic results.

Organic SEO includes optimizing a website to rank it among top results and ensure it is search engine-friendly. It could be inclusive of a local element or not; meaning that the site doesn't need to have an exact geographic location.

As a mortgage broker, your primary interest is getting calls from potential customers within your locality. Therefore, you need to add some form of physical location, and SEO can help you with that.

Tips to Improve Your SEO

  • Conduct keyword research by using appropriate keywords in the content for your website. Also, focus on the area within which your business operates. There are several keyword searching tools available at your disposal.


  • Check out your competitors by clicking on sites that rank above you and examine them to find out what keywords they use.


  • Focus on your headline by ensuring that it contains the keyword and matches the title for your page.


  • Create quality content and include secondary keywords in your subheadings. Your introduction and conclusion should also be inclusive of a keyword. Add meta titles and meta descriptions. If possible, your body should have internal and external links for better ranking.


While your competitors continue putting up advertisements in newspapers and billboards, you can outdo them with SEO marketing. Remember to conduct keyword research and make use of appropriate keywords. Also, make sure your site is responsive for proper optimization.

How Does New Technology Help with the Mortgage Industry?


The 21st-century technology from Lindsay Rosenwald like companies has given people the legacy of shopping and banking convenience right at their fingertips. Trading, Communicating, and even the process of lending money are more preferred to be done online rather than having a personal transaction. With all of these happening, the field of mortgaging needs to keep the pace.

The Mortgage Industry

Mortgaging has been a ready-help and a source of funding to those with real estate properties to be submitted as collaterals. As much as Licensed professionals such as accountants, professors, biotech entrepreneurs, and engineers need additional funding from mortgages, ordinary citizens need them too. There are approximately 45,000 American citizens that are in mortgage debt as of date.

More than just being a secured debt instrument, mortgaging helps improve quality of life because it offers a long term payment period for the borrowers and collateral debt security for the sake of the lenders. Secured borrowing such as mortgages offers lower interest rates because of the surrendering of collateral which are commercial or real estate properties that are of high current appraisal rates.

Digital Channels

Mortgage transactions can now be applied and accessed online. Online banking of well-known banking institutions such as AIG, Citibank, and Master has introduced their mortgaging transactions on their apps and websites. On this matter, programmers, business specialists, psychological experts, and biotech entrepreneurs collaborate in designing and structuring its User Interface (UI). Biotech entrepreneurs pitch ideas based on their expertise to advance the digital platforms' technicalities; business specialists consult clients and perform property appraisals; programmers and psychological experts help in making the online access more interactive and user-friendly.

Getting a mortgage loan is also quicker than applying for it on a manual transaction. The payment terms are also more flexible and more considerate to the client’s preferences. Online mortgages also provide credit limit not based on the borrower’s income but based on their manner and punctuality of paying.

Millennials and Mortgages

Borrowers today have never been more educated than ever. Millennial borrowers tend to recognize flaws easily be it in products, services, or even mortgages in this matter. They are also more actively engaged in online transactions and communications.

According to a recent study by an independent accounting organization, there has been an increase of 23? on the population of mortgage borrowers in the U.S.A. alone. It has been revealed on the same study that this increase in population is dominated by millennials, and their main purpose of borrowing is to cover travelling expenses and acquire new investments such as gadgets, vehicles, and housing.

Today's way of life tends to require more cost—that is where mortgaging helps. Mortgaging helps enhance financial planning while increasing renting potential and capital gains all at lower interest rates.

The development of online platforms for mortgaging is a great innovation for the mortgage industry.

Providing people with an easy access to secured borrowing will collectively affect the economical interest rate to decrease, thus increasing cash available for investment, lending, and economic spending.

Can You Refinance Your Mortgage Without Doing an Inspection?


Refinancing is one way of getting a new mortgage. When people pay their bills on time, they increase their credit and are able to get loans at lower interest rates. This way, you can protect your investment as well as it is advantageous since low interests affect monthly payments, helping you save a huge amount every year. 

Other people also refinance to get money to pay for other expenses like purchasing cars or paying credit card debt. Most people do this once they have an equity in their home. Home equity is calculated through a few simple steps. The house is appraised, and then the lender determines the percentage amount from the appraisal, which they are willing to loan. Then, the remaining balance from the original mortgage is deducted. Once the original mortgage has been fully paid, the balance is then loaned to the homeowner. 

Most people often make improvements after buying a new home. This increases the value of their property. By improving and regularly paying the mortgage, they get a substantial amount of equity lines of credit. This is because the difference between the value during appraisal increases, and the amount of mortgage balance decreases.

A helpful tip to reduce your costs when refinancing your mortgage is to know whether there are some expenses that you can cut off. These include title fees, appraisals, or inspections. Before negotiating with your lender, it is best that you first understand the types of inspections and appraisals involved. These would all depend on the type of loan you got and your property. 

Inspections and Misconceptions

Different real estate transactions require different types of inspections. Several factors must be considered such as the type and location of your property. When purchasing a home, termite or pest inspection is often involved. In rural areas, additional inspections may be conducted such as a septic system or structural analysis test. Real estate agents usually suggest that you do a home inspection before buying a home. This would cover the overall condition of the real estate before you make your purchase. 

One thing we must highlight here is that a home inspection is different from an appraisal since buyers and borrowers often confuse the two. An appraisal is done to determine a property’s value by looking at different factors including the layout, construction, square footage, and even the real estate market. Unlike inspections, an appraisal does not check the home for structural problems or other defects, except for a VA mortgage. 

A home inspection looks into the home’s overall condition and not just its value. The method is less hassle compared to commercial building inspections. The inspector checks for any problems in the construction, foundation, plumbing, and the heating, cooling, and electrical systems. This helps you get a better bargain in case some problems were not covered during the negotiations. 

Lenders often require you to do an appraisal among other conventional requirements. However, getting a home inspection is generally up to you since this is done for your benefit as a buyer. Although it is not required, it may be best that you get one.

How to Manage Your Home and Turn It into a Rental Property?


It can be a challenge to establish yourself as a property manager in Birmingham while Property management takes skill. But with enough help, you can make money out of this venture in no time.

More people are renting homes at affordable prices. Some even bring their families along or raise theirs in these apartments. It is quite timely for those who can manage to start up a rental business, especially for large structures such as townhouses and condominium units.

Here are some things to consider when you want to manage rental property.

Set the Appropriate Price and Prepare a Listing

Before finding the ideal tenant, setting the right price is a priority. Price selection is another key factor in determining how far you can go in this venture. This requires a calculation of the costs in the maintenance of your unit. Most of the time, this also means taking into account future costs such as repairs and the utilities you will need for the unit.

The monthly mortgage is another factor. A fully furnished unit is something a lot of tenants would like, thus attracting a lot of them, but this means more repairs to consider as the furniture to be set up are part of the cost for maintaining the building.

Some suggestions to consider would be to prepare a clear-cut calculation for the price in case tenants might ask questions as to why it is so. This helps as well when determining what you want to advertise to potential tenants through a listing. Mention specific rooms and their prices, other accommodations, and features, and nearby landmarks so that people are more likely to get attracted to your place.

Maintain the Property’s Integrity

Once you have figured out the price of your rentals, you would need to make certain that the unit your tenants will stay in is not problematic.

Repair what needs repairing before your tenant enters. Property management is all about ensuring that your tenants do not do all the work of maintaining their home.

This is your responsibility as the owner of the unit. Cover the costs. You should also consider upgrading some of the things you have in the unit. In this way, it’s a win-win situation for you and your tenants.

Finding the Right Tenants

Now, this is the part wherein you can start finding tenants. Not all tenants pay equally or on time. So, you would be better off when you find one who keeps his word, takes care of the unit, and pays on time. However, finding the perfect tenant is a trial and error process.

However, while you’re still finding the ideal tenant for you, make sure that you still establish a good rapport with whoever stays in your unit.

To make things easier for you, one useful tip that you can follow is to get tenants who you already personally know. Make sure that they can be trusted to comply with their responsibilities, thus eliminating unwanted troubles. Building a relationship on trust is key to maintain your business, so don’t be afraid to invest a lot of time searching for the ideal clients.

How Windows Increase the Value of Your Home


Are you thinking of ways to improve your home’s value? If so, then it’s really easy. Did you know that actually putting windows in your home can already play a major role in enhancing its value? Not only is this easier compared to other enhancing methods, but it also adds significant value to your residence.

If you have a budget of $10,000, you can easily find custom glass shower doors near me and boost the price of your overall house by $8,000. This is because people prefer to buy a house with impressive windows despite the higher price. Why? Well, not only do new and gleaming windows make your home more appealing, but they also have additional advantages. Below are some of these benefits:

Improves Interior Design

No matter how much you spend on renovating your home’s interior design, if the windows are old, it still wouldn’t look posh. So, before anything else, take notice of your windows. Newer windowpanes make your home look modern and fresh, leading to an increase in your property value.

Saves Energy

Do you find yourself incurring high energy costs? This could be because of your HVAC system and windows. Replacing your windows will drastically reduce your energy costs as they will stop the inside air from escaping out and vice versa. This will definitely attract buyers as a cost-effective home is always beneficial in the long run.

Makes the Exterior Attractive

Have you noticed that every time you visit your friend’s home, some of the first things that you’ll see are the windows? This is because windows add dimension to a house’s walls. They magnetize your eyes to them. This is why we should put importance on our windows if we want to leave a good impression, right?

If they’re old, chances are that you’re not going to attract buyers soon. So, as much as you can, maintain your windows. They don’t have to look super fancy. They just need to be presentable and up-to-date if you’re trying to increase the value of your home.   

Enhances Home Durability

Replacing your windows’ glasses will add longevity to your house, which in turn increases its market value. Note that the windowpanes of today can last for 20 to 40 years compared to older versions, so consider switching.

Adds Natural light

One of the regrets home buyers face is buying a house that does not have natural lighting. Today, the majority of potential clients find this home feature attractive. So, when they’re examining your home, expect that they’ll look at your windows.

To increase your chances of scoring a deal and increasing your home value, having more and bigger windows will bring in more natural light. Natural light does not only help reduce your energy costs but will also boost your health, so they’re great investments.


Considering the reasons above, replacing windows will contribute to a significant boost in your house value.  Initially, parting with a cost of like $10,000 might not be impressive to you. But after installing the new windowpanes and glass repair, you will discover how high the impact is to your house. Your home's value will significantly shoot up in the market as more buyers will be more willing to purchase it.

How to Clean Your Newly Bought Home


There are many things to do after buying a house and before moving in: buying furniture, packing and unpacking, and, of course, house cleaning if you are near San Diego. You may think that house cleaning is a no-brainer since it’s something everyone does almost every day. However, cleaning your new home isn’t like cleaning a house that you have been staying in. It requires more, if anything. So how do you clean a newly bought home?

If your house is newly built, then cleaning it will be so much easier. However, that’s not always the case. There are a lot of people who buy houses that are not new for a number of reasons. If that’s the case, cleaning it can be different and a bit of a challenge.

Here are some tips to help you clean your newly bought home:

Start from the Top

This is especially true when you have a multi-level house. You don’t want to clean the bottom, only to clean it again when all the dirt from the top comes down. Ceilings would be a good place to start. Make sure that all of it is dust-free. If you have ceiling fans, make sure to dust them too.

Kitchen Cleaning

Start with the fridge. Your food can’t wait until the whole house has been cleaned. This is why when cleaning out your kitchen, or the house rather, make sure that your refrigerator is one of the first things to be cleaned. This will allow you to put your perishable inside and avoid wasting food.

After the fridge, you can then proceed to clean the rest of the kitchen. You need to apply the first step as well – top first. Make sure to dust the cabinet tops, lights fixtures, and ceiling fans. After that, clean the appliances including stove, microwave, oven, and such, then continue cleaning the cabinets. Make sure to clean both the inside and out. Just because it can’t be seen doesn’t mean that it’s not important to clean it.

Bathroom Cleaning

This isn’t just like cleaning any other regular room. You need to disinfect the bathroom; again, from top to bottom. Make sure the walls are spotless before scrubbing the bathtub from the inside out. Then, you can move to the toilet wherein you have two options: clean it thoroughly or completely replace it.

Ideally, you want to replace it if it’s not so new anymore. After you have cleaned everything, including the sink (top to bottom), move on to the floor, the floor needs to be disinfected as well. It’s recommended to buy a lot of disinfectants, especially if you have more than one bathroom in the house.

Get On with the Other Rooms

It’s not just sweeping the floor and dusting off the ceiling and walls. Every inch has to be cleaned, so check the windows and doors as well. This way, you can also see which ones need to be repaired. After the sweeping and dusting, wipe them off with even just soap and water.


Aside from doing it from top to bottom, another tip is to start from the most-germ sensitive places. Then, go from inside to outside. Remember, every spot has to be cleaned. Any spot left untouched can cause problems like mold, so be thorough.

Homeowners' Guide: Insurance Claims for Toxic Mold


If you ever find mold in your house, don’t rush to find a contractor to clean up the mess and end up parting with a fat paycheck. Some homeowner’s insurance policies might cover the cleanup, and you can put all your focus on filing a lawsuit against the contractor who built the house or the seller.

If the mold is toxic, you should get the compensation you deserve for the health risks you and your family have been exposed to. You should research what your home insurance covers so that you can avoid being ripped off.

Some homeowners may wonder why mold should be such a big deal. To answer that question, there are several different types of molds, some toxic and some completely harmless.

Toxic molds cause some health issues that may lead to severe illnesses depending on the severity and underlying health conditions. Small children are at more risk of being affected by toxic mold.

Effects of Toxic Mold

There are few reported cases of serious illnesses caused by toxic molds. However, according to the CDC (Center for Disease Control), the effects of toxic mold include:

  • Allergic symptoms that resemble hay fever
  • Difficulty breathing, especially for people with chronic respiratory diseases such as asthma or chronic obstructive pulmonary disorder
  • Serious infections from toxic molds for people with immune suppressions

These symptoms can easily be noticed, but long-term effects of toxic mold exposure have not been reported yet. However, CDC confirms that there is significant evidence that exposure of toxic molds to children with predisposed asthma may cause a child to develop full-blown asthma.

Due to this, it is advisable that you rid of any mold infestations even if it is not causing any health issues. Molds infest areas that are mostly exposed to frequent moisture such as leaking pipes, bathroom floors, drains, walls, and areas exposed to rainwater penetration.

If you notice any of the effects mentioned above, go ahead and call your home insurance for investigation and compensation as your homeowner insurance might cover it.

Should a Homeowner’s Insurance Cover Mold Cleanup?

Since the inception of a homeowner’s insurance, mold cleanup has been excluded from the policies. However, decisions from several state courts have prompted many insurance companies to include mold clean up in their policies, especially if the cause of infestation is something covered by the insurance.

The mold must come from a specific cause such as a ruptured pipe which is covered by the homeowner’s insurance. The coverage for most companies is mostly for a specific limit and not an overall coverage of the full amount.

A rider may also help you be compensated for mold infestation by your home insurance policy. Riders cancel out some exclusions and add new terms. He may even include standard exclusions such as mold, fungus, odors, and spores.

Today, many homeowner’s insurance policies cover several types of infestations. However, you should contact your insurance agency just to be sure or add a rider to your home insurance policy so that it can include standard exclusions such as molds.

Why Does Home Ownership Cause Financial Problems?

Home Ownership Cause Financial Problems

As you grow older, one of the basic necessities that you would want to have is a house, maybe not too fancy or maybe you just want to have a cozy one. It is definitely an advantage to actually own a house. You can decorate it in any manner you want, and you are just free to do anything that you think would make it the best place for you to stay.

However, you need to be aware of the fallback in owning a house. Apparently, home ownership can cause financial problems. You may be enjoying the blissful moments in your abode in a while, but you will realize later on that you actually need some financial advice to get over the hurdles that come with it. Thus, it is important that you know the root of this financial problem that may come with home ownership.

1. Home as an investment.

Most people think of their homes as investments. If you are one of them, then you might enjoy buying accessories for the beautification of your home. Even when those things are not really necessary, you still buy them.

Well, surprise! If you think that you can get more revenue if you spend resources for your home, then you are wrong. Apparently, your home should not be treated as an investment. As you may have realized by now, your home does not give you the profit for the accessories or improvements that you have applied to it. So, it's time to change perspective!

2. Tax and other bills.

Owning a home can also be such a financial drain for you. Imagine, you need to pay for the taxes with tax rates imposed every month or every year just to maintain ownership over it. Some of these bills may include property taxes, maintenance, and insurance, among others.

Here's financial advice for you regarding this matter: take note of the possible additional payments that you need to address as a homeowner.

3. Excessive desires.

As you become a homeowner, you feel the freedom to formulate your choice in making your home the best place to be. And so, you may tend to purchase more things than you actually need. As a result, the interior of your house becomes too crowded with unnecessary accessories. This leads you to a financial disaster.

If you think about it, the more things you want to put inside for decoration, the more expensive it would be to gather the materials that you want for your house. Next thing you know, you are already facing bankruptcy and then you might just regret doing it.

It is not too late for you just yet! You can still get rid of all these threats that lead to financial disaster. You just need to be aware first that these factors exist. Then, you can take the financial advice provided in this article.  This way, you will know what awaits for you when you become a homeowner!


Getting a Business Insurance for Hosting Companies


Working on a web hosting company means that you work on the ‘invisible’ side of the internet, though it’s not as bad as it seems. This means that you only have to put your mind into working on how to maintain the servers, store numerous files, and host a lot of services that is needed by many people on a regular basis.

However, like normal businesses, web hosting companies like can also be liable to lawsuits and property loss. No matter how small your web hosting company is, it can be so important for other businesses that benefit from it, so if anything goes wrong, you will be responsible for their loss.

The Right Insurance Policy for your Business

No matter how large the risk is for your company, you can still mitigate it and go on without fearing bankruptcy if you know which insurance policy you should get. The following are the recommended insurance policies with the protection a web hosting company needs:

General Liability Insurance

General Liability Insurance offers a core of commercial liability coverage that concentrates on universal concerns. Instances like accidental damage to the property of a client or a guest being hurt while staying on the company premises can be covered by this kind of insurance.

Errors and Omissions Insurance

Even while working on web hosting companies or as a tech professional, there are still chances that you’ll encounter clients making various complaints that will eventually turn into lawsuits. A small misunderstanding, incompatibility issues, and data breach can cost you a lot of money when it heads to court. Thus, you must include Errors and Omissions Insurance to your risk management plan as it will cover you in this kind of instances.

Cyber or Online Liability Insurance

Cyber or Online Liability Insurance has two types, the first-party and the third-party cyber liability. The former helps the business cover the expensive costs due to data breach like advertising and conducting PR movements to reestablish reputation, addressing cyber or online extortion demands, notifying the affected customers or clients about the breach, and credit monitoring services. The latter, conversely, can help you cover costs when your client experience the data breach, then decides to sue your company in order to recover their losses. It can help you in terms of court costs, fees for an attorney, and judgments or settlements.

Business Owner’s Policy

Business Owner’s Policy is very handy for IT professionals because it acts as a safeguard in case an uncertainty occurs. It covers your business both in terms of a liability claim and natural disasters such as a tornado, fire, and even criminal activity that can also damage your property.


Property losses, liability claims, and natural disasters—they can all be unexpected for every business so it’s important to prepare insurance plans beforehand. No matter what business you have, the cost brought by these kinds of events can bring you to bankruptcy so you don’t want to take them for granted.

For web hosting companies, it’s a good thing that there are existing insurance policies dedicated for them to act as their safeguard. With the right insurance policy, you don’t have to worry about the risks that are going to happen anytime.

Movies You Might Want to Watch Before You Decorate Your Home

decorate home theater

If you’re running out of inspiration for your home decoration, you don’t need to worry as you can actually find inspiration in just about anything – even in putlocker movies. So, grab some popcorn and watch one or two of the movies we listed below.

This Is Where I Leave You

Ha-ha! Now I know how the title sounds, and I am not here endorsing this movie, though, the whole set of the movie is a shining star in the dark night for those who are looking for bright and welcoming interiors like typical and simple yet beautiful homes. Give it a shot.


So, what is up with this one? Well, it gives a summary about French designs that are mostly focused on color saturation and vintage styles. Not to mention the supreme decorum they have in them. The sets of boudoirs shown in this movie are undoubtedly the finest ones if you are considering for proposals to make your house more and more imaginative.


This is for those who are a little more predisposed to avant-garde designs. Are you one of them? If yes, then this movie is best for explaining macabre, gothic color scheming and furniture choices for off-the-wall designs.

Under The Tuscan Sun

What about folks who like Italian villas? No problem! We have just the flick for you. There’s no modest choice for this one. It is, by far, the most relevant and up-to-the-mark movie regarding the sets shown as Italian villas and are perhaps the best ideas you can have off of this.

Eat Pray Love

Exotic designs in this movie are to be seen in every scene but do not fool yourself as there is more than what meets the eye in this movie. The main character travels all across the world, so there are plenty of choices to make.

The Royal Tenenbaums

This movie is nothing less than a full-on meal for your eyes! Each room shown in this movie is the result of a different imagination.

Darkest Hour

Based on the time during WWII, this movie symbolizes the feats of British designs. If you want your home to be full of expensive sparkling marbles, rumbling walls and shining floors. This might be just the movie for you.

Down with Love

This movie features the pink over-the-top apartment of Barbara Nova. You will surely be fascinated by the pretty bright colors and unique sets of furniture in the setting. You will also be left in awe with Barbara’s beautiful rooftop terrace.

500 Days of Summer

If you want to give your space a warm, quirky and inviting effect, then you will surely get inspiration from Summer’s bedroom.

Decorating a house is certainly an exciting task. However, it can also be an exhausting one. Luckily, there’s an endless list of movies that you can watch to get home decoration inspiration. You just need to pick the right movie, and you’re good to go.

Funding Surgeries by Selling Homes

Surgeries by Selling Homes

Today, despite getting medical insurances, there’s no denying that surgery is one of the most expensive procedures in the medical field. Thus, a lot of us find alternatives to lessen the burden of paying the heavy expenses. One of the most common options to alleviate the cost is actually selling your own house to pay off the bills. Here is a recent in-depth news about what’s really happening:  

Grey Power Predicts an Increase in Surgery Demands

According to recent statistics, Progressive Spine & Orthopaedics specialists warned that by 2026, the demand for hip and knee replacements will double. Grey Power, an insurance broker company, mentioned that multiple elderly patients have resorted to selling their homes in order to fund elective surgeries to avoid possible long-term disability and pain.

In fact, out of 1500 members that took the company’s survey, 56 of them mentioned that they sold their homes just to pay for their elective surgeries. One of the main reasons why they’re pushed to sell their homes is because they can’t access the public healthcare system and find cheaper alternatives.

The Government Not Funding for Elderly People

Tom O’Connor, Grey Power’s president, stated that the previous and current government leaders have failed to recognize the demand for elective surgery. In reality, the aging population has no proper and enough funding to support their surgical needs, thus making them inactive or possibly disabled. For O’Connor, this becomes a huge burden in the long run because it will significantly affect an area’s capacity to produce and maximize its resources.

Orthopedic Surgeons Supporting Grey Power’s Predictions

In Grey Power’s survey, they also found out that around 200 members are waiting to undergo surgery for 6 years. 22 of them also declined as they can’t wait anymore and that they’re already too old to proceed.

Orthopedic surgeons, together with other secondary practitioners support the idea. Even a spine surgeon, sees the importance of caring for the overall health of the muscles, thus joining the plea for a change in the healthcare system.   

According to the New Zealand Orthopedic Association (NZOA), the health system of today will not be able to cover and cope with future demands. This would mean that people, especially the elder ones, would be subjected to pain unless something is done to make surgery accessible.

What is Needed

In order for people to not resort in selling their houses, the existing crisis should be dealt with seriousness. For instance, aside from the needed financial aid that the government should provide, other related health practitioners such as nurses, anesthetists, therapists, and the like should be trained just for this, and the hiring process should already be running today. In addition, clinics, hospitals, and hospices should now be constructed to cater to the looming number of patients in the near future.

It is sad to hear that people end up selling their beloved homes just to cater to their basic medical needs. After all, medical health is something that we all should have access to, no matter how much we earn. Regardless of the income, health care systems should be something that we can get right away. Hopefully, in the future, it will change for the better.

How to Buy a House with Bitcoin

Buy a House with Bitcoin

There are many emerging trends in the trading industry. In the recent past, much has been said about bitcoins. For the few who have not heard of them, they simply refer to a cryptocurrency which does not involve the central bank and utilizes the encryption technique to regulate funds. When crypto trading with bitcoins, no third party is involved. The buyer and sellers transact directly.

Although there have been warnings about future negative fluctuations in the value of bitcoins, investors have continued to invest heavily in them. The housing industry also has begun to dips its toes into bitcoin trading, and now, even houses can be exchanged with bitcoins. There exist hundreds of merchants who trade in bitcoins. They include Microsoft, Expedia, and many more. And now, even the real estate industry is adopting the technology.

If you’re thinking it’s hard to buy a house using bitcoin, you’re wrong. In fact, it is very simple. There is only one thing that should be set right: both the buyer and the seller must agree on how to transact bitcoin for the property. Platforms like Auto Trader for Bitmex has made it easy to do bitcoin exchange.

The first house to be exchanged using bitcoin was in the year 2017 in Texas. The parties involved in the transaction utilized the BitPay platform. This platform converts bitcoin to dollars. BitPay has been hailed for handling other real estate transactions efficiently-- the most notable one being the Lake Tahoe property which was sold out in the year 2014 for 2,739 bitcoins.

In bitcoin transaction, BitPay plays the following roles to enable selling and purchase:

  • It enables you as a businessman to accept bitcoin and bitcoin cash for your business. It has retail, billing, e-commerce, and other donation tools to receive payments from customers worldwide. This platform has made the world a global trading village. With platforms like BitPay, you will be able to buy a house anywhere.
  • Bitcoin exchange platforms enable you as a businessman to easily manage finance in one app which offers a secure and open source wallet. The BitPay application, for example, is available on most mobile and desktop platforms.

There are many sites that have made it simple to find properties that can be purchased using bitcoins. It has a search tool that enables you to look for the keywords that you are interested in and the interface is pretty straightforward.

With the open listing, you will be able to:

  • To see every house as soon as it is advertised on the market. The website will keep you updated on the house or property available that’s within your budget.
  • It enables you as a property buyer to share offers, tours and your favorites with other buyers.
  • On this website, you are able to obtain exclusive detailed features of the property you are interested in.
  • You get smart pricing on every property you purchase.
  • Services are offered throughout. You can check out anything at any given time.

Though experts warn that purchasing a house with bitcoins may not be simple, it has proved to work. The only challenge that can be experienced is finding an insurance policy which can handle virtual currency transactions. But all in all, bitcoin is a powerful currency in the real estate industry and beyond.

What Every Graphic Designer Should Know About Insurance

Graphic Design Insurance

Graphic designers can get exclusive insurance policies they can take advantage of. There are standalone and packaged policies that can also be customized for your unique needs. Let’s check them out:

Commercial general liability (CGL) insurance

This provides you with a general coverage for lawsuits in terms of property damage or third-party bodily injury. For graphic designers, this could mean:

  • A vendor, client, or delivery person falls or slips on your business premises
  • Either you or your employee damages the property of a client
  • You unintentionally used a copyrighted material
  • You were accused of false marketing
  • You were accused of slander or libel

CGL insurance can cover the medical bill cost or the replacement of the damaged properties. It can also cover your legal defense costs if you come across lawsuits.

Commercial property insurance

This protects your building or office space from damages like theft, fire, vandalism, weather, etc. This policy covers the replacement or repair of the damages. The commercial property insurance even covers cases of business interruption. It covers ongoing expenses like salaries, rent, etc. Should you be unable to operate or temporarily need relocation after covered causes like fire, this insurance policy can also come in handy.

Business owners policy (BOP)

A graphic design business in Singapore may also qualify for BOP. For example, you will find has such a qualification. It’s a convenient package policy meant for low-risk, small businesses. With this, you can have property, liability, and business interruption coverage all in one affordable custom package. Ask your insurance agent if this is something you can qualify for.

Graphic Designers Professional Liability Insurance 

Clients depend on your expertise and skill. You are the one in-charge of ensuring that the branding and personality of the client’s company reflect on the graphic materials you produce. You have a whole list of other job descriptions as well. Any negligence or mistake on your end could put the reputation of the client at stake and do other forms of harm.

Even if the client files a negligence claim against you and it is relatively unsubstantiated, you still need to defend yourself once you’re sued. The Graphic Designers Professional Liability insurance helps you get protected should your services or advice cost the client financial harm or other damages. You can face lawsuit for many reasons like:

  • Alleged or actual errors, negligence, or omissions
  • Piracy, plagiarism, or copyright infringement

If you don’t get this insurance coverage, you’ll have to use your personal assets to pay for the legal defense, including the court costs, attorney fees, or any other judgment or settlement.

Other Insurance for Graphic Designers

If you have a large graphic design studio and manage multiple employees, you may need other insurance options like the following:

  • Nonowned auto liability coverage
  • Employment practices liability insurance
  • Workers’ compensation insurance
  • Cyber liability insurance

Whatever type of business you have, there are heaps of possibilities that you need to be ready for. The best way to get protected is to have the right insurance policies getting your covered.

Cannabis Workers Face Difficulties Getting a Mortgage

Mortgage and CBD Oil

Medical marijuana has been around for ages. Its legalization has only recently come to the attention of the public. It has also gained traction with the masses. However,  it is understandable why some kind of stigma remains when it comes to topics related to cannabis.

The cannabis industry, of course, directly takes the hit. Even with the passing and approval of state legislation legalizing both medical and recreational marijuana use, it is still not entirely accepted by everyone. Despite this, the cannabis industry is a rapidly growing industry, with more and more facilities dedicated to the cultivation of marijuana and related products – such as CBD Oils – opening each and every day, with more and more employees and workers legally in the sector.

However, it is not only the stigma around cannabis that slows down the growth of this industry, but it is also the legality surrounding its cultivation, production, and usage. As with any business, companies and workers dedicated to the cannabis industry need a bank to put in their money. However, most banks in operation today are still not completely open to negotiating and doing business with any company or person involved with marijuana, as the legalities are still foggy and difficult to navigate.

Looking closer, this creates a problem for the employees and workers who are directly involved with the cannabis industry and those whose primary source of income has something to do with marijuana.

In simpler words, for legal reasons and prohibitions, the mortgage industry and the cannabis industry are still not open to collaborating together. Typically, if a worker gets about fifty percent of his income from a business related to marijuana – for example, a vape shop employee, or someone involved in selling CBD oils the bank will not allow them to get credit for income, thus, disallowing them from taking out loans.

Although the mortgage industry has seen developments and changes over the past few years, they are still very much torn about this issue. Some experts have come forward stating that it is not that banks are incapable, it is just that they are waiting for one of them to take the lead. In this way they get to measure how other companies and the government will react thereafter, they can decide on a course of action.

There is no business that wants to lose profit after all., Enmeshing with the cannabis industry opens the banks to the large possibility of ending up with dollars upon dollars upon dollars of uncollectible loans. In addition, the unclear legal situation surrounding the cannabis industry exposes these banks to possible suspension or even termination of their licenses.

While workers and employees stationed in stores and working under the cannabis industry work hard to earn a living, concerned parties such as the bank and the government continue their efforts to address this problem. There is not much that can be done at the moment, say experts, but to put faith in the hope that banks rewrite their guidelines to better suit the needs of these employees.

The Celebration That Pushed Them to Debt

Mortgage and Babies

Joshua Shroyer, his wife, and their two sons were able to get by even with their student loans and mortgage. However, last 2016 they received news that they were going to have a third boy in the family. The pregnancy was difficult for both the mother and the child. Thankfully, both of them were able to get through it safely even when the baby arrived prematurely at 26 weeks.

The difficult pregnancy forced Ivonne, Shroyer's wife, off work for 6 months. Oftentimes, she was also without pay.  Though she only makes $15.75 an hour, without this amount, it will make things hard for the young couple.

The family needed to have both parents earning to pay off the loans and the mortgage. By the time their child was using a baby walker, their credit cards were eventually maxed out, and the celebration of having another child was weighed down by debt. Without the credit cards as a stop gap, the family found it hard to pay their obligations. They eventually stopped paying their loans. Their credit score fell, and interest rates skyrocketed.  It came to a point where the couple found it hard to put food on the table. 

The Shroyers then turned to payday loans.  Unlike a mortgage, you will not need to put anything out as collateral. Plus, the loan is short-term and easy to get. Most states will only need one valid I.D,  a bank account, and a proof of income.  Another alternative for payday loans is the bad credit loans. Though this type of loan has higher interest rates, it can easily get approved.

Shroyer applied for a $430 loan, but he was given an $830 installment loan instead. What Shroyer did was actually what people often do nowadays.  People choose to get the loans with higher interest rates. Almost fifty-one percent of millennials have considered to take out risky loans to cover daily expenses. This includes payments for utilities, rent, and groceries. This is due to salaries having a lower purchasing power.  Although Shroyer had to pay higher interest rates, what mattered to him the most was putting food on the table.  He also thought of using the loan to pay their bills and increase his credit score again. 

There are plenty of loans that can be of help in situations like what the Shroyers are in.  You can go for bad credit loans. This type of loan has higher interest rates, but it is often times approved. It also usually taken out by people who have very low credit scores to allow them to build things back together again. Mortgage refinancing loans can also be an option. This type of loan can help you save money and can be used to reduce interest rates or to consolidate your debts. The interest rate decreases when the market's interest rates lower as well. The next option is to take out Home Equity Loans. You can make your home a collateral and use it to consolidate bills and more.

Now, the Shroyers are now slowly getting back on their feet.  Their youngest son is already a year old. The mortgage rates increased because their credit score went down. They have to take into account everything from health care to even groceries.  The couple cannot easily indulge as well. Though the family is still not out of debt, things are slowly getting back to normal. 

Why Should You Buy Home Insurance for Your Dream Home?

Home Insurance

Getting a building insurance is different from contents insurance. There are several factors that are not included in the contents insurance but are stated in the building insurance.  Building insurance is often added as part of the mortgage that you are paying for your home.

Having a building insurance is very important because it can help you financially, in case of disasters caused by accidental fire, landslides, and other man-made disasters. If you do not have one yet, it is best that you get one as soon as possible or coordinate with your mortgage company to help you choose the for your home. Here are some of the things that you need to consider when choosing one.

To what extent is the coverage for your insurance?

There are two types of coverage that you can choose for your building insurance. We have the total replacement coverage and the sum insured coverage. The total replacement coverage includes all the costs that you will need when rebuilding your home. This type of insurance can be expensive considering the total amount of rebuilding your house might be more expensive than the previous one. 

The sum insured insurance is cheaper compared to the total replacement coverage. This is because the insurance will only cover a certain amount and that amount can be a fixed price.

How much insurance can I get for my house?

The insurance company has two specific ways to measure the amount of coverage for your house. The company will not only measure the house based on the raw materials but they will also consider the land and location where your home stands.

One of the methods that they consider is the cost per square meter wherein they will give you the amount based on the rough guide on the size of the house and the materials used in building it.  The other one is elemental estimating. This method is used to assess the different elements in the building in order to get the correct rebuilding cost, laborers' fees and prices of the raw materials.

Should I also get a contents insurance?

If your building insurance comes with a contents cover, then you won't have to get a contents insurance. But if contents insurance is excluded from your building insurance coverage, call your building insurance company and ask if them if they can bundle both. In this way, it will help you save more money rather than getting two different insurance policies.

When and where should I purchase a home insurance?

Mortgage companies automatically add home insurance whenever you decide to get their service. Make sure that you check the insurance company that your mortgage company is working with. In this way, you will know the coverage and the fees that you will be paying for the home insurance.

How much do we pay for home insurance?

There are several factors that will be considered to get the amount that you will be paying for the home insurance. They will consider the location, the amount of coverage that you wish to get your home insured for and the contents cover.

Insurance companies offer several types of home insurance that you can choose from. Most people will usually choose the cheapest amount for the insurance but you have to make sure that your house will not be underinsured.  You need to read the coverage as well as the terms and conditions before buying a home insurance.

Choosing the best home insurance for your home is very important. In that way, you are financially ready to rebuild your home in case of disasters. It is best, therefore, that you contact your mortgage company to help you choose the best insurance policy for your home.

3D Printed Houses: How to Convince Clients to Get Your Mortgage Services

3D Print House

3D printing has been changing the real estate world as it continues to allow the creation of prototypes of one’s dream homes. It makes it easier for people to visualize what they want to see in their future homes. It also allows them to create designs that would cater to people with different needs and space requirements. However, mortgage lenders have started to use 3D printing as a way of getting clients to apply for mortgages for them.

3D models for your homes

On most occasions, we do not usually use 3D printed models when we apply for mortgages. When we apply, we usually just give the documents and sign the papers for our mortgage. And once it is finalized, you can have the cash and proceed to purchase your dream house. However, many mortgage lenders have started to use 3D printed house models as a remembrance of how their clients were able to get their dream home with the help of their financing. It makes clients feel that they are well accommodated and well taken care of. This way, both clients and mortgage lenders feel that they were able to build a relationship from a single transaction. Hopefully, that business relationship will not only stop with that lone transaction.

Banks and other mortgage companies can have the 3D printed version before the final signing of papers. One of the requirements for applying for a mortgage includes the blueprint of the house or the picture of the house itself. They can copy the images from there. They can print it with any 3D printers that are available in the market. If they happen to have many customers, they can ask for an additive marketing firm to help them with their 3D printing needs. In this way, the little present is ready before the official mortgage signing day.

Other 3D memorabilia

Aside from that, it does not have to be just a 3D printed version of the house. They can also have the 3D printed version of their dream car, dream business center, or building. 3D printing is applicable to services that the company can offer. These memorabilia are a perfect way of remembering how one simple dream transformed into something big.

3D printed models as marketing tool

It may seem expensive to some mortgage lenders, considering this is another expense on their part. 3D printers can be expensive, however there are websites that have found lower cost models too, e.g. visit website. Considering the massive printing requirement for each client, the amount can be really high. However, using 3D printed versions as memorabilia can be the “Yes “factor for the clients to avail of their services instead of those from other mortgage lenders in the market. Building good rapport with the client helps mortgage companies in their businesses. The clients can put in a good word for the company and refer them to their friends, which can result in more clients and better opportunities in the future.

3D Printing has slowly shaped many sectors in the sectors. Investing in it can help any company such as mortgage lenders to get more and better opportunities by building strong ties with their clients.


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