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Allethea Faye Monfiel

man with glasses on looking concerned looking at computer while on phone

5 min read

Missed a Loan Payment? What to Do Next

Life does not always go according to plan, and sometimes a payment slips through the cracks. Maybe your paycheck came in late, an unexpected bill...

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woman in green saving money for emergency fund with WINcentive Savings

6 min read

WINcentive® Savings Account for Your First Emergency Fund

Starting an emergency fund can feel like a big lift, especially when your paycheck is already spoken for before it even hits your account. When money...

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couple hugging after purchasing a car

5 min read

Can I Finance a Car Bought From a Private Seller?

Yes, you can finance a car bought from a private seller. It works differently than buying from a dealership, but it is absolutely possible, and for...

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man holding a house key pointing to a small home

5 min read

What is an Escrow Payment on a Mortgage and How Does it Work?

If you've ever looked at your mortgage statement and wondered why your monthly payment is higher than just the loan amount, you're not alone. A big...

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woman smiling holding key to a car

8 min read

How to Buy a Used Car from a Private Seller

Buying a used car from a private seller can save you thousands of dollars compared to going through a dealership. Private sellers often have lower...

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couple reviewing documents together on laptop

5 min read

How to Apply for a Mortgage with an ITIN

Buying a home with an ITIN is possible, and more straightforward than most people expect. An Individual Taxpayer Identification Number (ITIN) is...

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couple at table singing paperwork with lender

5 min read

Do Home Equity Loans Have Closing Costs?

Home equity loans and HELOCs may include closing costs and fees such as appraisal fees, title work, recording fees, or annual maintenance fees. Some...

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red gift card in hand

6 min read

What Should I Do If Someone Asks Me to Pay With a Gift Card?

Gift cards are a convenient way to treat someone you care about. But over the past several years, they've become one of the most common tools...

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woman holding a key and man holding a model of a home

5 min read

HELOCs: How the Draw Period and Repayment Works

A HELOC (Home Equity Line of Credit) lets homeowners borrow against the equity in their home through a revolving credit line. Unlike a traditional...

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man in a stripped shirt reviewing paperwork

5 min read

What Does It Mean When My Loan Is in Underwriting?

Underwriting is the stage where a lender takes a close look at your finances before making a loan decision. They review your income, credit, debt,...

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