Home Buying
Jumbo Loans: What Are They and Who Should Consider Them?
What Exactly Is a Jumbo Loan? If you’re looking to buy a higher-priced home, you might find that a conventional mortgage simply doesn’t cover enough of the purchase price. That’s where jumbo loans come in. A jumbo loan is a type of mortgage used to finance properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. In 2025, the conforming loan limit for most areas in the U.S. is $766,550 for a single-family home, though it can be higher in certain high-cost regions. If
What Exactly Is a Jumbo Loan?If you’re looking to buy a higher-priced home, you might find that a conventional mortgage simply doesn’t cover enough of the purchase price. That’s where jumbo loans come in. A jumbo loan is a type of mortgage used to finance properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac.In 2025, t...
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How to Choose the Best Mortgage Lender
Why Choosing the Right Lender Matters Your mortgage lender is more than just a source of funding — they are a partner in one of the biggest financial decisions you will ever make. The right lender can save you thousands over the life of your loan, while the wrong one can cost you with higher rates, hidden fees, or a stressful experience. At Rate Simple, we help you compare multiple lenders side by side, so you can focus on what matters most: finding the loan that fits your budget and goals.
Home Buying
How to Use a Mortgage Calculator to Plan Your Home Purchase
Your First Step Toward Smart Homebuying Buying a home is exciting, but figuring out what you can actually afford can feel overwhelming. That’s where a mortgage calculator becomes your best friend. Instead of guessing or waiting for a lender to run the numbers, you can quickly see what your monthly payment might be — and how changes to the price, down payment, or loan term affect it. Lendgo’s calculators make this process easy and practical. They give you the power to plan ahead and connect you
Home Buying
Top Mortgage Trends in 2025: What Homebuyers Need to Know
What’s Shaping Mortgages Right Now 2025 is shaping up to be a big year for homebuyers and homeowners thinking about refinancing. Mortgage rates, home prices, and housing supply are all shifting, which means staying informed can help you make better decisions. With Lendgo, you can go beyond simply reading about these trends. You can see how they affect your buying power and compare offers from real lenders so you can act quickly. Trend 1: Rates Are Easing but Still Higher Than Pre-2020 Mortg
Home Buying
Understanding Debt-to-Income Ratio
Why Your DTI Matters When you apply for a mortgage, lenders don’t just look at your credit score—they also look at your Debt-to-Income (DTI) ratio. This simple number is one of the most important factors in determining whether you’re approved for a loan and what kind of rates you’ll receive. The good news? Once you understand how DTI works, you can take steps to improve it, giving yourself a stronger shot at approval and better terms. Lendgo helps you go beyond just understanding DTI. We conn
Home Buying
Top Mortgage Trends in 2025: What Homebuyers Need to Know
A Year of Change for Homebuyers 2025 is bringing shifts across the housing market that every buyer and homeowner should understand. Mortgage rates are adjusting, inventory is moving, and affordability is evolving. When you have a clear picture of these changes, you can make better financial decisions. At Rate Simple, our goal is to help you feel informed and confident about your next step, whether you are buying your first home or considering a refinance. Trend 1: Mortgage Rates Are Moderati
HELOC
The Risks of Using a HELOC to Consolidate Debt (And How to Avoid Them)
Why Talk About Risks? A home equity line of credit (HELOC) can be a powerful way to simplify debt repayment and save money on interest. By rolling multiple high-interest balances into one lower-interest loan, many homeowners free up cash and gain control over their finances. But like any financial tool, a HELOC isn’t without risks. Understanding those risks upfront ensures you use it wisely—and avoid turning a helpful solution into a bigger problem. Overspending After Debt Consolidation One
HELOC
HELOC vs. Personal Loan — Which is Better for Debt Consolidation?
Why Compare HELOCs and Personal Loans? If you’re managing multiple debts—credit cards, auto loans, or student loans—it can feel like you’re constantly playing catch-up. Consolidating those balances into one loan can make life much easier. Not only does it simplify your finances, but it can also reduce your interest costs and help you pay off debt faster. Two of the most common tools for consolidation are home equity lines of credit (HELOCs) and personal loans. Both can help, but which one actu
HELOC
How to Qualify for a HELOC for Debt Consolidation
Why Homeowners Look to HELOCs When you’re dealing with multiple high-interest debts, like credit cards or personal loans, it can feel impossible to get ahead. Consolidating those balances into one loan with a lower rate is one of the smartest ways to ease the burden. For many homeowners, the solution is a home equity line of credit (HELOC). But before you can tap into your home’s equity to consolidate debt, you’ll need to know what it takes to qualify. The good news is, with the right preparat
Energy Saving Tips to Lowering Your Electricity Bill
If you commonly get high electric bills, don’t worry—you can reduce them just by making simple home changes. You don’t have to spend much or buy expensive technology to help the environment. A lot of the finest tips only involve making tiny adjustments in your habits. Get A Free Solar Quote The guide suggests simple energy-saving tips to help you use less electricity and put more money away. Why Energy Saving Matters Using less electricity saves you cash and helps the environment. Whe
Energy Saving Ideas for Every Room in your Home
Reducing energy use at home helps you save on power bills and supports the planet. The energy needs in each room of your home are not the same. Making just a few changes and choosing carefully will help you save money and energy. We can look through every area in your home to spot where you can save money. Get A Free Solar Quote Kitchen: Save While You Cook and Clean The kitchen is one of the busiest places in the house and uses a lot of energy. Here's how to use less: * Choose Newer
Energy Saving Devices that Work
Would you like to spend less on your electric bill and use less power around your home? Saving both energy and money is something a lot of people care about. Using energy-saving devices is one of the easiest ways to help. Using these tools doesn’t make home life more difficult, but helps you save energy. Get A Free Solar Quote But with so many products out there, how do you know which ones actually help? In this article, we’ll look at energy-saving devices that really work and explain how
How Many Watts Does a Space Heater Use? Cost and Efficiency Guide
When you turn on a space heater, you immediately feel comfort due to the instant heat it generates. A space heater becomes the automatic choice each cold day before coffee preparation begins. You will find yourself immersed in the coziness that suddenly develops, so does a looming question for many homeowners: Get A Free Solar Quote Do space heaters use a lot of electricity? Space heaters can operate safely. Inside the tale lies additional important information. Exclusive usage of space
Heat Pump Incentives Mass Save Rebates and Federal Tax Credits
Seeking ways to reduce energy bills and migrate to sustainable heating plus cooling options can use heat pumps now at drastically reduced prices through state and federal programs. Heat pumps benefit from state and federal programs, which make them both efficient and eco-friendly while being highly affordable. If you have heard about the Mass Save heat pump rebate but are not sure what it means for you, or how federal tax credits can stack on top of it, this guide is for you. Get A Free Solar
Does a background check show employment history
What Employment History Shows Up in Background Checks
Does a background check show employment history? Read on to discover the significance and impact of employment history in background checks.
Background Checks
Behind the Scenes of Background Checks: What Employers Want to Know
Employers are often faced with the challenge of selecting the right candidate from a pool of applicants. To aid in their decision-making process, employers often turn to a crucial tool - background checks. These checks go beyond a quick look at a candidate's past, providing information that significantly influences hiring choices. Behind the scenes, employers have clear expectations and specific goals in mind. Background checks offer a detailed view of an individual's history, helping employer
Background Check Topics
Behind the Scenes of Background Checks: What Employers Want to Know
Employers are often faced with the challenge of selecting the right candidate from a pool of applicants. To aid in their decision-making process, employers often turn to a crucial tool - background checks. These checks go beyond a quick look at a candidate's past, providing information that significantly influences hiring choices. Behind the scenes, employers have clear expectations and specific goals in mind. Background checks offer a detailed view of an individual's history, helping employer
Background Search Basics
Fair Credit Reporting Act (FCRA): How It Shapes Background Checks and Your Rights
Background checks are a typical and crucial step in the recruiting process for many businesses since they may be used to confirm an applicant's identification, education, job history, references, criminal history, and credit history. Background checks, however, may also have a substantial influence on the impartiality, accuracy, and privacy of the data that employers gather and utilize. To control the gathering, sharing, and utilization of consumer information by consumer reporting organizations
Background Check Topics
Understanding How Far Back Fingerprint Checks Reach
Fingerprint background checks are a frequent means of authenticating a person's identification and criminal history, particularly for positions requiring high security or trust. Many consumers, however, are unclear about how far back these checks may go and what type of information they can uncover. This article will teach you the fundamentals of fingerprint background checks, such as how far back a fingerprint background check may go and how long fingerprint data are kept on file. Run A Fr
