New mortgage lender is requiring I buy condo owners insurance

Ellen MOct 22, 2018

I live in California, I have applied to refinance my condo, which I have owned for 30 years. The new lender is requiring that in addition to the HOA (Homeowners’...

Saving for a New Home

ParzivalOct 22, 2018

My wife and I are saving for a new home in NYC. The only debt we have is a student loan (about $26k left at 3%). We have $47k in the bank and our Household Income (HHI)...

Mortgage company using principal payment to make advanced house payments

Dennis HOct 22, 2018

My mortgage payment is 1200.00. I send in the 1200.00 each month along with a additional PRINCIPAL payment of 2000.00 clearly noted on the payment book as intended as a...

Agent Comission rebate when not listed on HUD-1

user1337346Oct 22, 2018

Our mortgage consultant mentioned that the lender did not approve of multiple rebates we received (Seller’s credit, rebate from the Mortgage Consultant). As a...

Are there any drawbacks to owning multiple credit cards?

Steven M. VascellaroOct 22, 2018

I currently own a single credit card and am considering applying for additional cards based on their signup bonuses. (e.g. Amazon Rewards $70 cash bonus, Best Buy 5%...

Why do you need to provide your credit card's expiration date in order to make a purchases?

tparkerOct 22, 2018

This question is similar in spirit to Why do some online stores not ask for the 3-digit code on the back of my credit card?. I don’t see how asking for the credit...

How can I keep from giving in to a clerk that tries to get me to sign up for a credit card when I know that getting the card will hurt my credit?

thecoolmacdudeOct 22, 2018

It seems like more and more retailers are shoving credit cards down your throat. What’s the best response I can give to a clerk when they keep asking me to sign up...

Is it worth lowering Roth contribution to pay down credit card?

CKMOct 22, 2018

My early career 401(k) receives Roth contributions to 11% of my income with a 4% employer match (so 15% net contribution) and returns 13%. My credit card balance is...

Cancelling transaction on a Credit Card

BrondahlOct 22, 2018

I have a transaction on my credit card which I dispute with the vendor. (Specifically, charges on a car hire booking which I assert are unwarranted, though I doubt the...

What kind of credit card transactions generally count as a cash advance?

Victor123Oct 22, 2018

I understand that if I use my credit card to get cash from an ATM, that counts as a ‘cash advance’. Are there any other credit cards transactions that...