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 Compare the best bad credit business loans based on their minimum credit score and business revenue/sales requirements. There may be no need for credit checks. When Does It Make Sense to Take Out a 401(k) Loan? Photo of Valencia Patrice Higuera Valencia Patrice Higuera When Does It Make Sense to Take Out a 401(k) Loan? You've been setting money aside for retirement with a 401(k) and there's a good... How to Refinance a Mortgage With Bad Credit Photo of Valencia Patrice Higuera Valencia Patrice Higuera How to Refinance a Mortgage With Bad Credit When mortgage interest rates decrease, refinancing is an excellent way to reduce... How to Buy Homeowners Insurance Before Closing on a New Home See the steps to buy homeowners insurance, which is often needed before the closing process can complete because mortgage lenders require it. 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...