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Money Smart Articles | Financial Intelligence

financial intelligence

The business of finance applies to every day personal and business transactions. Basically, a family is a small business, with income and expenses. By learning about the ins and outs of finance, a sound budget can be developed for both family and business.

Creating a financial plan for your small business or your personal side is the first step in achieving a successful financial outcome. These articles help consumers and small business persons understand financial terms and provide tools for developing sound financial strategies.

Finance for Consumers and Business

Accounting for Small Business Owners

Accounting for Small Business Owners covers the entire process of establishing solid accounting for your business and common financial scenarios, and will show you how to:... Read more

Adjustable Rate Mortgages | Still a Risky Choice 4

Do not accept an adjustable rate mortgage without complete understanding of what you are getting into. What little money you save today can cost you your house in a few years.... Read more

Automated Mortgage Underwriting

Chances are, when you apply for a mortgage, your loan will be underwritten immediately by a computer. This is automated mortgage underwriting.... Read more

Bad Credit Loans

Bad credit loans for those with low credit scores, bankruptcies, and foreclosures.... Read more

Bankruptcy Removal from Your Credit Report

Get help to get bankruptcies removed from your credit report as soon as possible.... Read more

Build Your Mortgage Borrowing Power

Nothing can deflate the joy of buying a new home more than worrying about being turned down for a mortgage loan. Learn how to build your mortgage borrowing power. 32... Read more

Business to Business Lending

You have the business idea, the skills and the drive. But starting a new business or running a successful company requires capital. That's where we can help.... Read more

Buy and Renovate Your Next Home

Consider purchasing a house with renovation in mind. This is an excellent way to save money and customize a house. 366... Read more

Car Loans Online | Easy Application | Fast Approval

Shop online for more to get the best car loan deal. Answers in seconds, not days. 264... Read more

Car Loans | Compare Offers | Loan Calculator

Bad credit or no credit situations are okay for your next car loan. Get a free auto loan quote today.... Read more

Cash Flow and Taxable Income for Income Property

Calculate taxable income on rental properties to achieve maximum tax savings on your investment. 226... Read more

Commercial Real Estate Loan Application

Commercial real estate loans require serious documentation and there are no short cuts. Essential documents for a solid commercial real estate loan package are listed below. 191... Read more

Commercial Real Estate Books | Real Estate Investor

Learn about commercial real estate investment with the best selection of commercial real estate books. 77... Read more

Commercial Real Estate Loan Application Online

Completing your commercial mortgage loan application online is fast and allows you to receive several offers to compare. 44... Read more

Commercial Real Estate Loan Commitment Letter Sample

Here is a typical lender commitment letter issued for commercial loans and commercial real estate loans. The letter sets out the terms of the loan and is signed by the borrower if the terms are agreeable. 454... Read more

Commercial Real Estate Loan Prepayment Penalties

Commercial real estate loan prepayment penalties can be avoided. Request an assumption clause in the note. 39... Read more

Commercial Real Estate Loans | Cap Rates

Cap rate or capitalization rate is the ratio of annual rental income of the property over the purchase price.... Read more

Construction Bookstore | Residential Homebuilding

Learn the ins and outs of new home construction before building your new home even if you have a homebuilder. ... Read more

Construction Cost Estimating Books | Current Information

Large selection of construction cost estimating books for professionals in the new construction business.... Read more

Construction Loan

Choosing the right construction loan for building your new house is the second most important part of the construction process.... Read more

Construction Loan Draw Schedule Form

Review how construction loans work and download the free construction draw schedule form.... Read more

Consumer Action Handbook | Who to Call with Your Problem

Find consumer contacts at hundreds of companies and trade associations, local, state, and federal government agencies, national consumer organizations, and more. Assert your consumer rights by contact... Read more

Contractors Pricing Guide

This book is essential for accurately estimating home repair and remodeling projects from start to finish.... Read more

Credit Cards | Online Application | Balance Transfer | Rewards

Credit Cards with zero interest on a balance transfer or great reward points to save for any use.... Read more

Endowment and Discount Mortgages

An endowment mortgage is very similar to an Interest Only mortgage with one main difference. The difference is that an amount of money is paid into an endowment saving vehicle that will pay off the capital at the end of the mortgage term.... Read more

Equal Credit Opportunity Act (ECOA

ECOA prohibits discrimination in a mortgage credit transaction on the basis of sex, marital status, race, color, religion, national origin, age, receipt of public assistance benefits... Read more

Farm and Ranch Land Loans

Farm and Ranch Land Loans can be used to purchase land, livestock, equipment, feed, seed and supplies.... Read more

FHA Affordable Mortgage Loans

FHA mortgage loans provide the best affordable mortgage option for for low income households. Compare FHA loans from several lenders. 436 ... Read more

FHA Refinance

Don't lose your home. FHA has a new program to assist those with sub prime loans. Avoid foreclosure and check it out with an FHA lender. Veteran? You may qualify for a VA loan. 28... Read more

Financing Your Home Improvement Project

Here are several options for financing your home improvement that offer you suitable alternatives. .432... Read more

First Time Homebuyers

Learn the Mortgage Process as a First Time Home buyer ... Read more

Fixer-Uppers and Making Money | Success Not Guaranteed

How do you make money on a fixer upper? Be real careful, it can go the other way with just a few mistakes. 243... Read more

Flood Insurance. Do I need it?

You might want to consider flood insurance even if you are not in a flood zone. Nearly 20% of flood insurance claims come from what are considered moderate and low risk areas. ... Read more

Florida Car Loans | Car Payment Calculator

Florida Car Loans online with fast approvals from up to four lenders.... Read more

Florida Construction Loan Lien Florida Statute 713

The lien laws in Florida are designed to protect the borrower and the lender.... Read more

Florida Owner-Builder Disclosure

Property owners acting as their own contractor have certain exemptions from Florida statutes requiring a licensed contractor. 448... Read more

Foundation Survey or Slab Survey

The foundation survey is used to determine the proper placement of the foundation or the slab on the building lot. 439... Read more

Free Car Payment Calculator

Use this free car loan calculator to compute your car payment based on the amount and term of the car loan you want.... Read more

Free Consumer Information Catalog

Complete listing of government publications for consumers. Find the best source of information about products, recalls, warnings and how to get your problem solved. ... Read more

Hard Money Lenders for Difficult Real Estate Loans

Hard money lenders get difficult commercial real estate deals done.... Read more

Home Equity Loans and Debt Consolidation

Been looking twice at those attractive sounding offers for a debt consolidation loan? Paying off high-interest credit card debt with a home equity loan can help financially troubled families make ends meet.... Read more

Home Remodeling Books Including Cost Estimating

Home remodeling books for homeowners featuring home improvement ideas, cost estimating, and hiring contractors.... Read more

Homeowners Insurance Facts

Homeowners insurance facts. Protecting your home and its contents with homeowners insurance is probably one of the most important financial decisions you will make.... Read more

Homes for Sale

Free search of MLS to find just the property you want. Search by price, location, house size and number of bedrooms. Only active listings are provided.... Read more

How to Select a Builder

When building a new house there are several risks but the most important decision you will make is selecting your builder.... Read more

Income Property Valuation for Real Estate Investment Property

Learn the concepts of cash flow, cap rates, competitive rents, and how appraisers accomplish income property valuation. 46... Read more

Investing in Single Family Homes

There are bargain properties to be had. Consider picking up property for rental purposes.... Read more

Jumbo Mortgage Loan Application

Jumbo mortgage loan application. Fast approval, low rates, and fast closing from quality mortgage lenders.... Read more

Key Man Insurance

Life insurance for the key employees in an organization that pays the insurance proceeds to the business.... Read more

Land Surveys for Real Estate

Part of the mortgage loan process is to obtain a survey of the property. The home buyer pays for the survey.... Read more

Lender's Mortgage Loan Closing Checklist (Sample) 75

Ever wonder what goes on with your loan while it is in process? Here is a mortgage lender's checklist that is used to check your file before closing.... Read more

Military Loans for Active and Retired Military Personnel

All ranks and service branches are eligible to save money with a military loan from VA.... Read more

Mortgage Application Turned Down?

Alternative mortgages for those who have been turned down. Many lenders offer FHA or subprime loans which stands for less than perfect credit. ... Read more

Mortgage Escrow Analysis Annual Statement

Lenders are required to issue itemized statements of escrow accounts to borrowers within thirty days of the end of the year.... Read more

Mortgage Loan Application Checklist | Be Prepared

In today's tight mortgage market preparation puts you one step ahead. The mortgage application checklist will help you prepare.... Read more

Mortgage Loan Assumption Agreement Form

Assumption of Mortgage Form that is commonly used for allowing a third party to assume a mortgage loan.... Read more

Mortgage Loan Book Store

Complete bookstore of mortgage loan information. Know everything there is to know about mortgages before shopping. It will pay of in tens of thousands of dollars.... Read more

Mortgage Loan Calculator

Mortgage calculator for mortgage payments. Find out what size mortgage you can afford.... Read more

Mortgage Loan Closing | Closing Estimate

Settlement of a mortgage loan is a legal process, so specific procedures and requirements will vary according to local laws, but the following outline of closing practices will help you through the process.... Read more

Mortgage Loan Disclosures in Addition to Loan Estimate and Closing Disclosure 72

Lenders are required to give you certain disclosures which are listed here. In addition you will receive a Loan Estimate and Closing Disclosure form that shows all the costs associated with your loan.... Read more

Mortgage Loan Modification Instead of Refinance

Lenders don't want to tell you about a little secret that can save you, the borrower, thousands of dollars in refinance costs.... Read more

Mortgage Loan Questions and Answers

Information about Loan Estimate, Closing Costs, discount points, junk fees, credit, APR, and sample disclosure documents.... Read more

Mortgage Note (Sample)

This is a typical fixed rate note associated with a mortgage that is used by Fannie Mae and Freddie Mac.... Read more

Mortgage or Deed of Trust (Sample)

The Mortgage or Deed of Trust is a legal document in which the borrower transfers the title to a third party (trustee) to hold as security for the lender. When the loan is paid in full the trustee transfers the title back to the borrower... Read more

Mortgage Sub Servicer and Your Rights

Mortgage lenders will sometimes sub contract the chore of servicing your mortgage loan to another company known as a sub servicer.... Read more

Multifamily Apartment Loans

Aggressive lender offers multifamily mortgage loans for apartment buildings.... Read more

National Construction Cost Estimator 2019

This new edition is Craftsman's most popular reference for pricing construction. You'll find labor and material prices every item needed for constructing a residential, commercial, or industrial cost estimate. 289... Read more

New Construction | Condo | Modular Home

First, write down the things you want in a new home. Then you can decide what type of home will suit you best.... Read more

Note and Mortgage Modification Agreement

Mortgage can be modified as to terms and interest rates. Such modifications are often used to convert construction loans to permanent mortgage loans. ... Read more

Notice Required Under the Equal Credit Opportunity Act

Prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, or marital status.... Read more

Pay Off Your Credit Card Debt

Borrow money the smart way. Borrow what you need with a personal loan and pay off high interest rate credit cards. Enjoy rates as low as 5.99%.... Read more

Personal Finance Advice | Investments | Savings

Learn how to manage you money and investments to your best advantage.... Read more

Personal Loan | Low Fixed Rates | Fast Approval

Personal loans, easy monthly payments, fixed rates as low as 6.59%. Get your finances under control.... Read more

PMI Disclosure Sample for Private Mortgage Insurance

Private Mortgage Insurance Disclosure stating when your PMI Insurance can be cancelled. 440... Read more

Predatory Lending and Mortgage Loans

Known as predatory lending, unscrupulous lenders use hidden fees and unneeded refinancing to part borrowers from their money. Recent examples with sub prime loans show how borrowers can suffer.... Read more

Private Mortgage Insurance - When is it Needed 438

Private mortgage insurance (PMI) is required for loans of more than 80% LTV. The borrowers pays PMI as part of their mortgage payment. ... Read more

Quicken Home & Business Software

Easy to learn and use accounting software from Quicken, first in accounting software.... Read more

Real Estate Investment Books

Learn how to invest in Real Estate from the experts. ... Read more

Real Estate Land Loans and Lot Loans

Land loans for purchase, refinance of raw land, and finance for land improvement and subdivisions. Developers welcome. Bad credit considered. 263... Read more

Refinance Your Car Loan

Refinance your car loan before interest rates go up again. Fast, easy application.... Read more

Refinance Your Mortgage Today

Today's interest rates for mortgage refinances are the lowest in history. Now is the time to refinance your mortgage and save big.... Read more

Remodeling Contract Should Protect the Homeowner

Several forms of contracts are available for homeowners to pay the contractor for home improvements. It depends on your situation as to making the best choice.... Read more

Repair Your Credit Books

Repair your credit yourself using the steps outlined in one of these consumer credit repair books.... Read more

Residential Construction Loan - Glossary

There is nothing like getting involved in the design of your new house and getting just what you want. Be sure to learn construction terms before starting. 426... Read more

Residential Construction Loan Disbursement Procedures

Residential construction loan disbursement procedures are designed to assure adequate funds to complete the construction of the house. 446 ... Read more

Residential Real Estate Appraisals

A real estate appraisal determines the fair market value for your home and how much you can expect to receive in a sale. 7... Read more

Reverse Mortgage - Is it for you?

Dorothy Rogers credits a reverse mortgage as a solution to keeping her property after her husband died. 22 ... Read more

SBA Small Business Loans

The Small Business Administration (SBA) offers small business owners government guaranteed loans that are easier to obtain than a typical bank loan.... Read more

Shop Car Insurance | Compare Rates and Save

Save money by comparing car insurance rates online with trusted insurance company names offering competitive rates. ... Read more

Shopping for a Mortgage | Disclosures

Mortgage regulations protect mortgage borrowers with easy to read disclosures for consumers.... Read more

Small Business Cash Flow

Cash flow in any business is the most important financial statement for the business owner. ... Read more

Smart Saving for College: Better Buy Degrees

Provides information to help students save and invest wisely for college and to use student loans sparingly.... Read more

Space Coast Car Loans Online | Compare Rates

Get a car loans in seconds. Fast online approvals with offers from at least four lenders.... Read more

Text of the National Affordable Housing Act Regarding Mortgage Loan Servicing

Your rights regarding mortgage loan servicing and what to do if you have a problem with your loan servicer.... Read more

The Consumer Guide to Banking and Personal Finance

Every consumer needs to be knowledgeable about the finances that effect the quality of their lives.... Read more

VA Loans for Military Personnel Active, Discharged, or Retired

VA Loans are available with no down payment for qualified military veterans or active duty personnel. ... Read more

What are Discount Points?

Discount Points on mortgages serve one of two purposes and are a way to save money. The first is income for the lender which cost you money, the second is a lower interest rate for the borrower that saves you money.... Read more

What is APR? Mortgage Applicaton

APR stands for annual percentage rate and it states what your actual interest rate is including all loan fees.... Read more

What is Title Insurance?

Title insurance guarantees your ownership in your real estate property by assuring there are not other liens.... Read more

What to do if Your Mortgage Loan Servicing is Transferred

As a borrower you have certain rights under the law regarding the transfer of your mortgage servicing.... Read more

xxMortgage Refinance

Refinance can make sense but run the numbers first. Use this refinance calculator to help you decide.... Read more

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