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Articles by Valencia Patrice Higuera

Valencia Higuera is based in Virginia and she covers budgeting, credit cards, and student loan debt, with expertise in frugal living, general banking, and mortgages. She is a self-proclaimed personal finance junkie. Valencia has contributed to publications and outlets including MSN, The Huffington Post, CBS News, Investopedia, and more. Education: B.A. in English from Old Dominion University.

Compare the Best Business Loans for Bad Credit in 2024 Photo of Valencia Patrice Higuera Valencia Patrice Higuera Compare the Best Business Loans for Bad Credit in 2024 Running a company takes money—sometimes a lot of it. Even if you started your... When Does It Make Sense to Take Out a 401(k) Loan? Find out how 401(k) loans work and when it makes sense to borrow from your employer-sponsored retirement account - after considering pros, cons, and penalties. How to Refinance a Mortgage With Bad Credit Learn how to refinance your mortgage if you've got bad credit, including options that have the highest chances of approval. How to Buy Homeowners Insurance Before Closing on a New Home Photo of Valencia Patrice Higuera Valencia Patrice Higuera How to Buy Homeowners Insurance Before Closing on a New Home The home buying process can be exciting and stressful at the same time. Getting... VA Home Loans: A Guide to Mortgage for Veterans Photo of Valencia Patrice Higuera Valencia Patrice Higuera VA Home Loans: A Guide to Mortgage for Veterans Most people can’t afford to buy a house with cash. For this reason, they rely on... USDA Loans: Eligibility, Income Limits and Application Process Learn about USDA loans that are available to low-income homebuyers who may not have enough for a down payment, including eligibility and requirements. Mortgage Modification: How Does It Work? Find out how mortgage modifications work to help you when you're struggling to make mortgage payments -- as opposed to refinancing the home loan altogether. Should You Set Up a Blind Trust for Your Assets? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Should You Set Up a Blind Trust for Your Assets? When it comes to money management, many people want to be in complete control of... Mortgage Pre-Approval Checklist: Documents You Need to Prepare Photo of Valencia Patrice Higuera Valencia Patrice Higuera Mortgage Pre-Approval Checklist: Documents You Need to Prepare Getting pre-approved for a mortgage is an important step in the process of buying... Mortgage Rate Shopping: How Multiple Applications Affect Your Credit Score Learn how to shop for the best mortgage rates without hurting your credit score with multiple inquiries for a new credit lines or loan.