USLending Blog

What is a Home Equity Loan and How Does it Work?

August 16, 2018

Home Equity Loans, What are They and How do They Work?

As soon as a person reaches the wonderful status of being a homeowner, the realization of home equity and what it actually represents begins...

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Key Differences in Writing a Household Budget vs a Personal Budget

August 9, 2018

Household Budgeting vs. Personal Budgeting, What's Actually the Difference?

People often use the terms household budget and personal budget interchangeably. This is not accurate. In some cases, a...

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Housing Market Bubbles: What Are They & Should You Be Concerned?

July 26, 2018

The Housing Bubble Guide: What are They & Should I be Concerned?

For anyone who had to live with the insanity of real estate in the 2000s and how it ended in 2009, the term “bubble” isn’t a figure...

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What Upfront Costs Are Associated with Buying Property in California?

July 19, 2018

What are the Upfront Costs Associated with Buying Property in California?

The single number that most people focus on when buying a home or property in California is the listed selling price....

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What To Expect During Your HUD-Approved Agency Counseling Session

July 12, 2018

What Happens When You Attend a HUD-Approved Agency Counseling Session? 

One of the requirements all applicants have to meet is a counseling session with an approved HUD financial advising entity,...

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13 Reasons To Print Your Household Budget & Display It Prominently

June 21, 2018

13 Reasons Displaying Your Household Budget Will Increase Your Chance Of Success

Your budget does you no good if you create it and then never look at it again. Placing your budget in a drawer is a...

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What Is A Reverse Mortgage Line Of Credit & Is This Necessary?

June 14, 2018

Reverse Mortgage Line Of Credit Explained

Most people have heard of a reverse mortgage as a tool that older homeowners can use to add to their cash flow and finances using the equity in their...

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The Effect of Population on the California Housing Market

June 8, 2018

How Does the Population Affect the California Housing Market?

The laws of supply and demand have always been the first suspects when the cost of a commodity goes through the roof and few can...

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Who Can Get a No Down Payment Home Loan in California?

May 24, 2018

No Down Payment Loans in California: Do I Qualify?

Given the rising prices of homes in California and similar markets, the issue of being able to come up with a 20 percent down payment is...

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