Betsalel Cohen
Passionate about helping people improve their finances. Worked in mortgage banking, private banking, and personal financial coaching. When he is not working, he loves running and spending time with his family.
Reduce Debt YourselfSep 17, 2024
9 do-it-yourself debt solutions, including how to stop a collector's calls, validate debt, dispute an error in your credit report, failure to verify a debt...
Consolidate Debt & CreditSep 16, 2024
Consolidate debt to save money. Review these important quick tips before you choose a consolidation option, so you find the right solution for your specific...
Credit Card Complaints - CFPBSep 16, 2024
Credit Card Complaints | The CFPB not only educates the consumer about credit card but also accepts complaints and follows through with...
Sacramento Debt Relief Sep 16, 2024
Find Sacramento County debt consolidation resources, information, and advice on how to get your finances back on track. Free information from Bills.com.
CKS Financial: How to Handle a Debt CollectorSep 16, 2024
CKS Financial is a collection agency that purchases debt and also acts as an agent for original creditors and third-party debt buyers. Learn how to...
Credit Card Late Payments Sep 16, 2024
Credit Card Late Payments | Consumers are running up higher credit card debt and late payments. The holiday season is especially difficult. Take steps to...
Bankruptcy & Debt SettlementSep 16, 2024
Learn the advantages and disadvantages of bankruptcy & debt settlement for resolving debt. A chapter 7 bankruptcy is fast, but you may not qualify. Debt...
Top Loan Consolidation OptionsSep 16, 2024
Loan consolidation uses a new loan to pay off existing debts. Three loan consolidation strategies are student loans, personal loans, and mortgage loans.
Collections AdviceSep 16, 2024
Debt collections advice | Free tips on how to deal with an account in collections. Review your Fair Debt Collection Practices Act rights, so you aren't...
Debt Settlement HelpSep 12, 2024
Debt settlement help | Debt settlement help may be the best way to get out debt. Choose a debt settlement firm that follows FTC rules that prohibit upfront...
Best Debt Relief OptionSep 10, 2024
Among non-bankruptcy debt relief options, debt settlement programs generally offer the lowest monthly payments,because they negotiate to reduce debt owed
Consolidating Bank of America DebtSep 10, 2024
Bank of America Debt Consolidation | Before you include Bank of America debt in a debt consolidation program, review how BofA will likely react. Make sure to...
Debt Management ProgramSep 4, 2024
Debt management programs can be an effective way to attack your debt problem, but it is not right for everyone struggling with debt. If you have high interest..
Various Types of Debt Consolidation Loans for Bad CreditSep 2, 2024
There are different types of bad credit debt consolidation loans. If you have bad credit and various types of debt, such as mortgage, credit card, or student...
Trends in Mortgage Credit ScoresAug 27, 2024
The Great Recession of 2008 virtually put an end to the subprime mortgage market. What are the credit score trends for mortgages? Are mortgages available for..
Minimum Credit Score MortgageAug 27, 2024
Mortgage programs have different minimum credit score requirements. However, lenders often have stricter rules. It is important to match your credit....
Mortgage Tips - Getting an Affordable MortgageAug 27, 2024
Get mortgage tips about finding an affordable mortgage. You need to go over your budget, make sure that you can afford the house and mortgage, and then show...
Self-Employed and Getting a MortgageAug 27, 2024
Self-employed borrowers have a harder time getting a mortgage. A self-employed mortgage applicant needs to show proof of their steady, recurring income and...
Can I Afford This Mortgage?Aug 27, 2024
Whether you are refinancing or buying a home you will ask yourself if you can afford the mortgage. Learn to prepare and evaluate if you can afford the...
Mortgage Fraud | Homeowners and Homebuyers BewareAug 27, 2024
Mortgage Fraud | Both homeowners and homebuyers are targeted by mortgage fraud. Beware of upfront fees, undeclared money, false declarations. Learn how...
Conforming Loan LimitsAug 27, 2024
Conforming Loan Limits | Fannie Mae and Freddie Mac's basic conforming (and high area) loan limits remained the same for 2013. Learn about your options to...
CFPB | New Rules for High Cost Mortgage LoansAug 27, 2024
CFPB and High Cost Mortgage Loans | The CFPB proposed a rule to include HOEPA protections and disclosure to purchase mortgage loans. By learning how to...
Qualified Mortgage Rule and Ability to Pay RuleAug 27, 2024
Qualified Mortgage Rule | The QMR and the ability to pay rule are technical mortgage lending issues. However, many borrowers will be affected when...
Bad Credit Home LoansAug 14, 2024
Bad Credit Home Loans | If you want to purchase a home and take a home loan, then bad credit will weigh you down. Prepare your finances and look for...
Mortgage Loans with Bad CreditAug 14, 2024
Bad Credit Mortgage Loans | Bad credit will weigh you down when looking for a mortgage loan. Learn how to prepare and what alternatives there are for...
Find a Mortgage LenderAug 14, 2024
Find a Lender | When you are looking for a mortgage loan, Bills.com helps you find the right lender to work with. The most important thing for you to do is...
Mortgage UnderwritingAug 14, 2024
Mortgage Underwriting and Mortgage Requirements | Learn about the mortgage underwriting process and how it affects your loan application. Be prepared to...
Qualify for Mortgage: The BasicsAug 14, 2024
Qualify for a Mortgage | You can get qualified for a mortgage and the best rates by preparing yourself. Make sure that your credit, income and downpayment are..
Home LoansAug 14, 2024
Home Loans | From amortization to regulation z, you can get lost in mortgage terms. Learn basic information to help you find the home loan best suited for...
Shopping for a Rural Mortgage LoanAug 14, 2024
If you are a rural mortgage shopper, then you don't have to be at a disadvantage. While many rural borrowers are dependent on local lenders, with today's...
Credit Card Debt SettlementAug 14, 2024
Credit card debt settlement is a great debt relief solution if you are facing a financial hardship, but wish to eliminate credit card debt through one low..
Types of Debt Consolidation LoansAug 14, 2024
Debt Consolidation loans can help you lower your payment, save money, and get debt free. Choose between an unsecured personal loan, a cash-out refinance, and...
15-Year Mortgage Loan | Lower CostsAug 8, 2024
15-Year Mortgage Loan | You can save money and build equity by taking a 15-year home purchase or refinance mortgage loan. Make sure that you can....
HUD Organization and LoansAug 8, 2024
HUD | The Housing and Urban Development Dept. oversees the federal government's housing policies. Learn about HUD and HUD loans, including FHA loans and...
30-Year Fixed Rate MortgageAug 8, 2024
30-Year Mortgage Loans | If you are looking for a purchase home loan or a refinance mortgage loan, start with a 30-Year mortgage loan that offers affordable...
Interest Only Mortgage Aug 8, 2024
Interest Only Mortgage Loans | If you have fluctuating income, end of year bonuses then you might consider an Interest Only Loan, but learn if it...
Forty Year MortgagesAug 8, 2024
40-year mortgage loan | A 40-year mortgage loan has low initial payments. However, it is a rare product and carries risks. Learn the different alternatives...
10 Year Fixed Mortgage LoansAug 8, 2024
10-Year Mortgage Loans | If you want to finish your mortgage loan quickly, than a 10-year FRM (Fixed Rate Mortgage) is an alternative, but...
Finding a Great MortgageAug 8, 2024
Purchasing a home? Learn how to find a great mortgage from Bills.com - your complete source for saving money.
Debt Help CompaniesAug 8, 2024
Debt Help Companies for Payday Loans | Find debt help companies that meet your needs, so that you can get Debt Free Fast and Save!
Credit Consolidation ServicesAug 8, 2024
You have many credit consolidation services companies to chose from and it is important you research your options. The tips and solutions we shared here can...
Debt Payoff StrategiesAug 8, 2024
There are different strategies for paying off debt. In order to manage your debt review your financial situation and then check out the best way to deal with..
How to Handle a Debt Collection Call from Avante USA 2024 | Bills.comAug 8, 2024
Avante USA is a collection agency that aggressively works with third-party and original owners of the debt. Protect yourself by taking these steps...
Debt Assistance is AvailableAug 8, 2024
If you are struggling with debt, or having trouble creating and maintaining a budget, then look for a professional debt assistance program. It can help you...
Debt NegotiationAug 8, 2024
Debt negotiation is a solution for people in a hardship. Carefully look at your situation and debt relief options. Choose between a do-it-yourself approach...
Bill ConsolidationAug 8, 2024
Bill consolidation simplifies your bill-paying, helps you pay off debt quicker, and saves money. Choose a debt consolidation loan or other ways to...
Investment Property MortgageAug 2, 2024
Removing ex-Spouse from Investment Property | Removing a spouse from an investment property mortgage is not possible, if you can't qualify for a refinance...
Conforming Loan Limits 2019Aug 2, 2024
Conforming Loan Limits for 2019 increased. The FHFA announced new loan limits for Fannie Mae and Freddie Mac loans. Due to rising home prices, the baseline...
Fannie Mae's Tight Lending GuidelinesAug 2, 2024
Fannie Mae's Tight Lending Guidelines | Even qualified mortgage borrowers with 740+ credit scores, steady employment, high income-to-debt ratios, and ...
No Closing Cost RefinancesAug 2, 2024
Lenders often define 'no-cost' refinancing differently, so be sure to ask about the specific terms offered by each lender. Basically, there are two ways to avoi