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.

Roof Loans: How to Finance Roof Repairs or Replacements With a Personal Loan Find out how to finance a roof repair or replacement with roof loans through personal loans, home equity loans, HELOCs, and other borrowing alternatives. How Loss-of-Use Coverage Works With Homeowners Insurance Photo of Valencia Patrice Higuera Valencia Patrice Higuera How Loss-of-Use Coverage Works With Homeowners Insurance Homeowner’s insurance is a necessity when you own a home. It covers damages to... Dental Loans: How to Use Personal Loans to Finance Dental Work Photo of Valencia Patrice Higuera Valencia Patrice Higuera Dental Loans: How to Use Personal Loans to Finance Dental Work Whether it’s braces, dental implants, porcelain veneers, or another procedure,... Interest-Only Mortgages: Compare the Pros and Cons Learn the pros and cons of interest-only mortgages to find out if you can apply for a home loan with interest-only payments temporarily. North Carolina Homeowners Insurance: How to Shop for the Lowest Rates See the average rates for homeowners insurance coverage in North Carolina based on coverage level, city, and insurer. Find out how to save on annual premiums. Homeowners Insurance and Mold Damage: When You Are and Aren't Covered Photo of Valencia Patrice Higuera Valencia Patrice Higuera Homeowners Insurance and Mold Damage: When You Are and Aren't Covered Mold is a type of fungus that grows in damp, moist areas. So, it’s not uncommon to... Mortgage Relief Guide for Homeowners Affected by Coronavirus Photo of Valencia Patrice Higuera Valencia Patrice Higuera Mortgage Relief Guide for Homeowners Affected by Coronavirus If you’ve been laid off or lost your job due to the coronavirus (COVID-19), you... The Best Credit Cards to Apply For With a 550-600 Credit Score Find a credit card that best suits your credit score. Review the best credit cards for a 550 - 600 credit score and get the most out of your credit card. How to Upgrade from the Chase Sapphire Preferred to Reserve Find out how Chase Sapphire Preferred credit card customers can upgrade to the Chase Sapphire Reserve card, which has a much higher annual fee but better perks. Buying a House With Friend or Family Member: A Bad Idea? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Buying a House With Friend or Family Member: A Bad Idea? Saving your money can be a job in and of itself when you're trying to put away...