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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.

Finding a Good Real Estate Attorney: What to Look For Photo of Valencia Patrice Higuera Valencia Patrice Higuera Finding a Good Real Estate Attorney: What to Look For Some people don’t give any thought to hiring a lawyer until they have to go to... Do Banks Offer Notary Services? Is It Free? Find out if banks offer (and charge for) notary services to validate your identity for an important document -- and other options for a notary public. How to Find Your Bank's Routing Number Learn how to find the correct routing number for your bank account. See the list of routing numbers at the top U.S. banks based on your state. 10 Reasons Why You Were Denied a Business Credit Card Photo of Valencia Patrice Higuera Valencia Patrice Higuera 10 Reasons Why You Were Denied a Business Credit Card A small business credit card can reduce cash flow problems and separate business... How to Get a Mortgage If You’re Self-Employed, a Small Business Owner or Gig Worker Photo of Valencia Patrice Higuera Valencia Patrice Higuera How to Get a Mortgage If You’re Self-Employed, a Small Business Owner or Gig Worker There are millions of self-employed people in the United States. This includes... Can You Take Out a Personal Loan for Closing Costs? Find out if you can use a personal loan to help finance and pay for the closing costs, which can be substantial, on a new home purchase. Should You Use a HELOC to Buy a Car? Learn about the pros and cons of using a home equity line of credit (HELOC) to buy a car, including the risks and costs involved. The Best Steps to Take After Paying Off Your Mortgage Photo of Valencia Patrice Higuera Valencia Patrice Higuera The Best Steps to Take After Paying Off Your Mortgage Sending in the last payment for your mortgage is a major financial milestone that... Should You Get a Secured Business Credit Card? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Should You Get a Secured Business Credit Card? A business credit card can simplify your business life. It’s a convenient way to... Homeowners Insurance Canceled: Next Steps to Ensure Coverage Learn the next steps to take if your homeowners insurance is canceled or renewal is denied and you still need coverage for your property.