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Credit and Financing

Need A Credit Card, Car Loan or Refinancing?
Always Shop Around For The Best Deal

Whether you are interested in a mortgage, a home equity loan, refinancing, car loan, personal loan, business loan, student loan, debt consolidation loan or perhaps, a new credit card, we can help!

As you explore our website you will discover that we provide a vast array of articles related to credit and financing. A listing of these articles are found below and at the end of most of our main pages.

If you are interested in a particular type of financing, simply click on the link in our navigation bar. Each of our pages contains many valuable credit and financing resources. If any of these resources peek your interest, we invite you to explore them. We suggest that you first bookmark our site now to ensure that you can easily find us in the future after you elect to leave our site.

If you are looking for a mortgage, refinancing, home equity loan,
credit card, car loan or for that matter any type of financing, we strongly suggest that you shop around for the best deal to meet your needs! In order to ensure that you accomplish this, you should always check out a minimum of three lenders or credit card vendors prior to accepting any offer.

In your quest to obtain a loan or a credit card be sure that you read and understand the terms and conditions prior to signing anything — and thus, legally accepting the lender's terms. This is important because financial institutions typically insert terms and conditions that later prove to be extremely detrimental to the borrower. In most cases the lender's terms and conditions section is printed in very small print and may be hard to read.

The lender's terms and conditions section is typically very lengthy. This may discourage you from taking the time to read through it. However, remember that in accepting the loan or credit card, you are signing a contract and you will be legally obligated to fulfill whatever terms and conditions are set forth in the contract. We urge you to take the time to read it and be sure that you fully understand it. If not, be sure to ask the lender to clarify it for you.

In order to assist our visitors, as you explore the various sections
of our website you will find helpful articles designed to explain
the process of lending, and other aspects of credit and financing.

Below we offer a few of the many articles and resources that you will find as you explore our site.

Featured Credit and Financing Articles:

Looking For The Best Mortgage?
Shop, Compare, Negotiate

Shopping around for a home loan or mortgage will help you to get the best mortgage. A mortgage—whether it’s a home purchase, a refinancing, or a home equity loan—is a product, just like a car, so the price and terms may be negotiable. Click to read more ...

Credit and Charge Cards:
What You Should Know About
The Cost and Terms of Credit

Using credit and charge cards to pay for purchases is a fact of life for consumers today. Many people have at least one credit card, if not more than one card. Applications and solicitations for credit and charge cards are readily available. Click to read more ...

What You Should Know About and Look For
When Shopping For a Home Equity Credit Line?

If you decide to apply for a home equity line of credit, look for the plan that best meets your needs. Read the agreement carefully, and examine the terms and conditions, including the annual percentage rate and the costs of establishing the plan. Click to read more ...

Consumer Guide To Interest Rate:
The Level of Interest Rates

What determines the overall level of interest rates — that is, why are rates higher at some times than at others? Click to read more ...

Consumer Guide To Interest Rate:
Interest Rates and The Economy

How do interest rates affect the economy? How does the economy affect interest rates? How do interest rates affect the value of the U.S. dollar in the foreign exchange market? Click to read more ...

Consumer Guide To Interest Rate:
The Fed's Role

What is monetary policy? How does the Fed formulate monetary policy? How does the Fed implement monetary policy? What is the discount rate? Click to read more ...

Consumer Guide To Interest Rate:
Interest Calculations

What is simple interest, compound interest & the Rule of 72? What is the discount method of calculating interest? Click to read more ...

Credit and Financing Articles:

A Consumer Guide To Mortgage Interest Rates
Interest Rates: Understanding Interest
Understanding Simple Interest, Compound Interest & Rule of 72
Applying for a Loan? Start With Your Credit Report!
What You Should Know About the Cost and Terms of Credit
Strategies for Saving Money On Loans and Credit Cards
Looking For The Best Mortgage: Shop, Compare, Negotiate
Home Mortgages: Understanding the Process
Home Loans: How to Keep Costs from Going Through the Roof
Mortgage Payments Out of Control? Here's What to Do
Frequently Asked Questions About Second Mortgages
Common Features of Reverse Mortgage
Home Equity Line of Credit
Shopping For A Home Equity Loan?
Lines of Credit vs Traditional Second Mortgage Loans
Home Equity Loans: The 3-Day Cancellation Rule
Home Equity Scams: Borrowers Beware!
Refinancing Your Home
Refinance or Modify Your Mortgage
Refinancing: Tips For Mortgages and Other Credi
About FHA: Federal Housing Administration
New FHA Mortgage Loan Limits
Why Ask For An FHA Loan?
FHA Funds For Fixer-Uppers and Handyman-Specials
Relief Options for FHA Loans
What is a VA Guaranteed Loan?
VA Financing: Good For Veterans
Cost of Obtaining a VA Loan
How To Get A VA Loan
Where Will You Get Your Next Vehicle Loan?
Cosigning A Loan
Glossary of Financing and Credit Terms
Understanding Your Rights To Fair Lending
Take Control of Financing Before You Take Control of the Wheel
What Happens When You Apply For Auto Financing
Before Visiting An Auto Dealership Consider The Following
Vehicle Repossession
The Credit Process: A Guide For Small Business Owners
A Business Plan: The Roadmap To Success
Types of Business Loans
Business Debt Restucturing
Choosing a Credit Card
Taking Charge of Your Credit Cards
Gold and Platinum Cards
Credit Matters: A Primer on Credit Card Use
Using Plastic: A Young Adult's Guide to Credit Cards
Avoiding Credit and Charge Card Fraud
Federal Protections Of Debit Cards Use
Debit Cards: Frequently Asked Question
Credit, ATM & Debit Cards: What To Do If They're Lost or Stolen
Reverse Mortgages: Get The Facts Before Cashing In Your Equity
Shopping For a Mortgage? Your App May Trigger Many Offers
Deceptive Mortgage Ads: What They Say; What They Leave Out
Need a Loan? Think Twice About Using Your Home as Collateral

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The Center For Debt Management

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