Empowering Dreams
Well, President Donald Trump is officially back in office after the long-awaited inauguration took place today in Washington D.C. He was sworn in as the 47th president of the United States to go along with his 45th. After what felt like a long waiting game between early November and today, we’re finally going to find … Read more
Business | Small Business | Small Business Management Flexible Solutions for Financing Marketing Efforts Ezra Cabrera | January 20, 2025 Share on Facebook Share on Linkedin 𝕏 Share on X Contents Marketing is the backbone of business growth—it’s how you attract customers, build your brand, and stay ahead of the competition. But let’s face it, … Read more
Let’s talk about HELOC rates. If you’ve had a home equity line of credit (HELOC) for a while, you likely saw your interest rate rise significantly over the past few years. The reason is HELOCs are adjustable and tied to the prime rate, which moves in lockstep with the fed funds rate. Since early 2022, … Read more
Welp, another day in 2025, another mortgage lender calling it quits. This time it’s depository Washington Federal Bank, or WaFd for short. The Seattle-based bank, which has been in the home loan business for over 100 years, cited lower profits and more risk for the decision. As we all know, it’s also been a very … Read more
As I’ve said before when talking about mortgage, what a difference a week makes. Or even a couple days. If you’re new to mortgage rates, know that first and foremost, they can be very volatile. And can change from one day to the next. Similar to a stock, the price might not be the same … Read more
Managing finances can be a challenge for many business owners, especially when it falls outside their expertise. A strong grasp of financial strategies is essential for sustaining growth and stability, no matter the industry. Focusing on core principles and practical approaches can make navigating this complex area more approachable. Small, consistent steps often lay the … Read more
If you haven’t been feeling 30-year mortgage rates recently, maybe an ARM could suit you better. This is especially true if you don’t plan to stay in the home for a very long period of time. There are a variety of adjustable-rate mortgages available to homeowners today, with varying fixed-rate periods. One of the shorter … Read more
Launching a startup business is exciting, but it can also be stressful if you need external money to keep the momentum going. While the U.S. Small Business Administration offers several small business loans for established companies, there are also some loan options available to new ventures. This guide will cover SBA funding for startups, as … Read more
You’ve heard the news – mortgage rates jumped from close to 6% back in September to over 7% in less than a few months, before climbing even higher. And they don’t appear to be heading back down anytime soon, despite some mild improvement this morning thanks to a cooler-than-expected CPI report. While that’s still up … Read more
With second mortgages like home equity loans and home equity lines of credit (HELOCs) growing in popularity lately, I figured it’d be prudent to talk about next steps. For example, what happens if you want to refinance the loan, either to switch loan programs or to obtain a lower rate? Well, similar to a first … Read more