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.

VA Home Loans: A Guide to Mortgage for Veterans Learn how VA home loans work to make it easier for veterans to qualify for a mortgage, including the service eligibility requirements. USDA Loans: Eligibility, Income Limits and Application Process Photo of Valencia Patrice Higuera Valencia Patrice Higuera USDA Loans: Eligibility, Income Limits and Application Process If you’re thinking about buying a home, you can choose between several home... Mortgage Modification: How Does It Work? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Mortgage Modification: How Does It Work? A job loss or another change in circumstance can make it difficult to pay your... Should You Set Up a Blind Trust for Your Assets? Learn how blind trusts work to conceal asset information from the public and to distribute inheritances and assets to heirs and benificiaries. Mortgage Pre-Approval Checklist: Documents You Need to Prepare Find out which specific documents and pieces of information needed for mortgage pre-approval, which could help smooth out the home-buying process. Mortgage Rate Shopping: How Multiple Applications Affect Your Credit Score Photo of Valencia Patrice Higuera Valencia Patrice Higuera Mortgage Rate Shopping: How Multiple Applications Affect Your Credit Score For most people, buying a house involves applying for a mortgage loan. Some... When to Hire a Property Manager for Your Rental Properties Photo of Valencia Patrice Higuera Valencia Patrice Higuera When to Hire a Property Manager for Your Rental Properties Owning rental property is an excellent way to earn passive income and diversify... Home Insurance Declaration Page: The Key Details of Your Policy Find out what details are summarized in your homeowners insurance declaration page so that you know exactly what and how much coverage you have on your home. How to Manage Homeowners Insurance for Home Renovations and Repairs Learn how to handle your homeowners insurance policy before, during, and after major home renovations or repairs to ensure proper coverage. South Carolina Homeowners Insurance: How to Shop for the Cheapest Rates Photo of Valencia Patrice Higuera Valencia Patrice Higuera South Carolina Homeowners Insurance: How to Shop for the Cheapest Rates Homeowners insurance in South Carolina offers protection when something bad...