Cash-Out Refi for Debt Consolidation

If you’re struggling to manage credit card bills, car loans, student loans and other debt payments each month, perhaps you’ve considered cashing in on some of the equity in your home to consolidate those debts into one monthly payment with a low interest rate?

Photo by Blake Wheeler on Unsplash

Before you do, check out this article I wrote for Lending Tree on Cash-Out Refinancing for Debt Consolidation.

In the article, I discuss pros, cons and alternatives. Is a cash-out refi right for you?


Buying a Beach House

I don’t miss much about living in Phoenix – 117 degree summers just aren’t for me – but I do miss being a quick car trip away from San Diego. We rented the same cottage in Ocean Beach every time we went. As we strolled a couple blocks to the beach or ate the best burgers and onion rings at Hodad’s, I would fantasize about buying a tiny little house in Ocean Beach and writing with the sight, smells and sounds of the ocean just outside my window.

Photo by danny howe on Unsplash

Somehow I wound up moving to the only triple landlocked state in the U.S. instead. Funny how life works.

Writing Buying a Beach House: Things to Consider for Lending Tree got me fantasizing once again about Ocean Beach. But I also realized I’m probably better off sticking to a rental.

Give it a read and tell me: Is buying a beach house on your bucket list?

Mortgage APR vs. Interest Rate: What’s the Difference?

One of the things I like most about writing about personal finance topics is getting the chance to learn things I didn’t know previously. I’ve bought three homes over the years while I noted that my lenders provided both an interest rate and an APR, I never asked about the difference between those two numbers.

Photo by Sergey Zolkin on Unsplash


Recently, I had the chance to answer that question for Lending Tree. It made me wish I could go back in time and take a closer look when I bought my mortgage!

Check out my article: Mortgage APR vs. Interest Rate: What’s the Difference?

What’s something you wish you knew before you bought a home?