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Insurance: Actual Cost vs Replacement Cost

Insurance: Actual Cost vs Replacement Cost

Mar 12, 2021 | Financial Fitness Blog, Housing Counseling

By Charlestien Harris Insurance plays a huge part in your financial wellbeing. Accidents will happen and storms will come, but one way you can avoid financial ruin is to have insurance. Insurance is a contract, represented by a policy, in which an individual or entity...
Important COVID-19 Extensions for Homeowners, Renters & Student Loan Borrowers

Important COVID-19 Extensions for Homeowners, Renters & Student Loan Borrowers

Mar 2, 2021 | Financial Fitness Blog, Housing Counseling

By Charlestien Harris The average consumer has been hit hard by the effects of the Covid19 virus. There were several relief options offered by the enactment of the Cares Act.  With the pandemic still looming and heavily affecting so many across this country,...
Important COVID-19 Extensions for Homeowners, Renters & Student Loan Borrowers

What Are My Next Steps After My Forbearance Period Ends?

Feb 4, 2021 | Financial Fitness Blog, Housing Counseling

By Charlestien Harris Many homeowners were able to take advantage of the forbearance option available through the CARES ACT provisions enacted by congress.  Forbearance is a type of temporary mortgage relief that was very instrumental in helping borrowers keep...
Homebuyer Education During the Pandemic

Homebuyer Education During the Pandemic

Aug 2, 2020 | Financial Fitness Blog, Housing Counseling

Thanks to low mortgage interest rates, for some buyers this is the perfect time to think about purchasing a home. The best time to take a homebuyer education class is when you are starting to consider buying a home, not after you’ve already signed on the dotted line....
Important COVID-19 Extensions for Homeowners, Renters & Student Loan Borrowers

How to Handle an Overdue Mortgage

Jul 22, 2020 | Financial Fitness Blog, Housing Counseling

By Charlestien Harris The stress of not being able to make mortgage payments and other financial obligations because of the pandemic or any hardship can be overwhelming, but sometimes just knowing where to turn for help can give us a sense of relief.  The CARES...
Homebuyer Education During the Pandemic

Homeownership: Knowing Your Numbers Can Make the Difference

Jun 12, 2020 | Financial Fitness Blog, Housing Counseling

I have been scanning the news lately and have read several articles about the housing market during this pandemic. To most analysts’ surprise, the housing market has been booming.   According to the latest data the fixed interest rates for a 30-year mortgage is...
Consider All Your Options before Making Long Term Financial Decisions

Consider All Your Options before Making Long Term Financial Decisions

May 13, 2020 | Financial Fitness Blog, Housing Counseling

Filing Bankruptcy: The Facts By Charlestien Harris This is a particularly tough time for millions of Americans, and a lot of people are wondering what the next step should be when this pandemic is over.  As a credit/housing counselor, I see many cases where...

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