Understanding Bankruptcy: What You Need to Know Before Filing If you’re overwhelmed by debt and have exhausted all other options for repaying your creditors, filing for bankruptcy may be your only option. It may even come as a relief. However, doing so has significant consequences for your credit and your ability to borrow money in […]
Understanding Common Student Loan Fees and How to Avoid Them When financing your college education with student loans, interest is just one of the costs you might incur. Depending on the type of loan you choose and how you manage your payments, your lender or loan servicer may also charge you various fees. In this […]
Essential Financial Tips for College Students: Building a Strong Financial Foundation College is a pivotal time in life, marking the transition to adulthood and independence. It’s also the perfect opportunity to start building your financial health and credit. However, a lack of financial knowledge, combined with the temptations of college life, can lead to financial […]
Discover the Fastest-Growing Mid-Sized Cities in the U.S. Despite the challenges posed by the pandemic, inflation, and housing shortages, several mid-sized cities in the United States have continued to experience significant population growth. These “Boom Towns” are not only attracting new residents but also fostering economic activity and development. In this blog, we will explore […]
Unlocking the Benefits of Certificates of Deposit (CDs) with O1ne Mortgage Certificates of deposit (CDs) are a fantastic way to grow your savings with a fixed interest rate over a predetermined term, ranging from a few months to several years. When the CD matures, you can either withdraw your initial deposit plus interest or roll […]
Understanding Conventional and Conforming Loans: A Comprehensive Guide When exploring mortgage options, you may encounter terms like “conventional loan” and “conforming loan.” Understanding these terms is crucial in determining the best mortgage for your needs. At O1ne Mortgage, we are here to help you navigate these options and find the perfect loan for your situation. […]
America’s Boom Cities: A Closer Look at Rapid Urban Growth America is experiencing a fascinating dichotomy when it comes to population movement. On one hand, U.S. Census data reveals that Americans are moving less frequently than in previous decades. On the other hand, certain cities are witnessing a significant influx of new residents, swelling their […]
Understanding Credit Card APR and How to Secure the Best Rates At O1ne Mortgage, we prioritize consumer credit and finance education to help you make informed decisions. With the Federal Reserve raising interest rates multiple times between March 2022 and May 2023, the average APR on credit cards has seen a significant increase. This rise […]
How to Switch Banks: A Comprehensive Guide Switching banks can seem like a daunting task, but with the right approach, it can be a smooth and beneficial process. Whether you’re looking for better customer service, lower fees, or more convenient locations, changing banks can be a positive move. In this guide, we’ll walk you through […]
Understanding Private Mortgage Insurance (PMI): A Comprehensive Guide Private mortgage insurance (PMI) is a type of insurance that borrowers pay to protect mortgage lenders against financial loss in the event of foreclosure. Unlike government-backed mortgage insurance, PMI is provided by private companies. Whether you need to pay PMI when buying a home depends on several […]
