FIRST ALLIANCE BLOG

4 min read

Manufactured Home Loans: Finance a Home in a Park

Kamel LoveJoy: Oct 9, 2025 8:19:34 AM

Maya is tired of rising rent. She finds a clean two-bedroom manufactured home in a well-run park near work. The price fits her budget. She needs a...

5 min read

Cash-Out Refinance: How Much Equity You Need and How It Works

Kamel LoveJoy: Oct 2, 2025 5:00:00 AM

5 min read

Small Business Loan Requirements & The 5 C's of Credit

Kamel LoveJoy: Sep 30, 2025 5:00:00 AM

Starting a business takes grit, heart, and a plan. Lenders want to see that plan in action. When you understand small business loan requirements, you...

5 min read

Roth vs Traditional 401(k): Choose the Option That Saves You More

Kamel LoveJoy: Sep 18, 2025 5:00:00 AM

Quick compare: A Traditional 401(k) lowers your taxable income today and you pay taxes in retirement. A Roth 401(k) uses after-tax money today and...

4 min read

What Is an Overdraft? Fees & Simple Ways to Avoid Them.

Kamel LoveJoy: Sep 16, 2025 5:00:00 AM

You are at the grocery checkout. Bags are packed, your kid is asking about snacks, and your card says “declined.” Most of the time it is not a bad...

6 min read

What Is PMI Insurance? Simple Guide to Buying a Home Sooner

Kamel LoveJoy: Sep 11, 2025 5:00:00 AM

Buying a home can feel out of reach when saving a big down payment is hard. Private Mortgage Insurance, or PMI, can help you move in sooner with less...

9 min read

Bad Credit Auto Loans: A Simple Guide That Actually Helps

Kamel LoveJoy: Aug 26, 2025 5:00:00 AM

If your credit is less than perfect and you need a car, you are not alone. Life happens. Maybe a medical bill went to collections or a job gap made...

6 min read

Credit Lock vs. Freeze: What’s the Difference & Which Should You Use?

Kamel LoveJoy: Aug 21, 2025 5:00:00 AM

Identity theft is scary, but your choices do not have to be. Two of the strongest tools you can use are a credit freeze and a credit lock. These...

4 min read

Can I Refinance My Car Loan? How to Save Money and Lower Payments

Kamel LoveJoy: Aug 19, 2025 5:00:00 AM

Refinancing can lower your monthly payment, reduce total interest, and make your budget feel calmer. You keep the car you already have and swap your...

3 min read

How to Write a Business Plan: What It Is and Why You Need One

Kamel LoveJoy: Aug 12, 2025 5:00:00 AM

Donna never pictured herself drafting formal documents. She was the friendly face at the Rochester gym who lost 70 pounds and filled Instagram with...