Annie Byrnes

  • TD First Class Visa Signature

    Overall Score 46.0 Net Monetary Value 56.1 Product Features 66.7 Customer Experience 0.0 Pros & Cons For travelers who prefer to fly in luxury can earn first-class miles with the TD First Class Visa Signature Credit Card. The cardholders earn the most miles on eligible travel and dining purchases,...
  • The Amex EveryDay® Preferred Credit Card from American Express

    Overall Score 77.0 Net Monetary Value 82.0 Product Features 66.7 Customer Experience 64.7 Pros & Cons The Amex EveryDay Preferred Credit Card is ideal for earning rewards on everyday purchases. Card members earn the most points on purchases at supermarkets and gas stations, as well as some points on...
  • HSBC Premier World MasterCard

    Overall Score 27.2 Net Monetary Value 32.5 Product Features 44.4 Customer Experience 0.0 Pros & Cons The HSBC Premier World MasterCard is the perfect companion for frequent travelers. The cardholders can earn points for purchases made from the card through the Rich Rewards Program. The card points can be...
  • Applying for a HARP Loan

    The Home Affordable Refinance Program (HARP) is an alternative financing structure that is meant to allow people who are up-to-date on their mortgages to stabilize their home purchase through refinancing. HARP is meant to focus on helping people who are unable to get traditional financing because of the declining...
  • Are you Eligible for HARP Refinancing

    You may be considering refinancing your home for a wide variety of reasons. You may want to switch to a fixed-rate mortgage rather than a variable-rate mortgage. You may be struggling financially and may want to lower your payments or your interest rate. Perhaps you want to perform a...
  • HARP Refinancing: A History

    The Home Affordable Refinance Program (HARP) is a U.S. federal program that began in 2009. The goal of the HARP refinancing program is to help struggling homeowners refinance their mortgages. The following is a short history of HARP and how the program continues today. The Crisis After the U.S....
  • When Should you Refinance your Home Mortgage

    Refinancing your home mortgage is a major financial decision, but it’s also one that has the potential to save you thousands of dollars over the life of your loan. Refinancing your mortgage can help you to pay less every month, pay your mortgage loan at a faster rate, or...
  • How to Apply for a HARP Loan

    The Home Affordable Refinance Program (HARP) is an alternative financing structure that is meant to allow people who are up-to-date on their mortgages to stabilize their home purchase through refinancing. HARP is meant to focus on helping people who are unable to get traditional financing because of the declining...
  • Why do People Need to Refinance their Home Loans?

    The Home Affordable Refinance Program (HARP) is a federal program for struggling homeowners in the United States. The program was designed in 2009 by the Federal Housing Finance Agency. The agency created the program to help certain debtors refinance their homes without complications. Many people who own homes are...
  • HARP Refinancing: The Pros and Cons

    The Home Affordable Refinance Program (HARP) is a U.S. federal program designed to help homeowners who are struggling with their current mortgages. Before you apply for refinancing through HARP, you should consider the advantages and disadvantages of this type of loan. Advantages Lower Payments One of the reasons that...
  • Refinancing your Home with FHA Loans

    Homeowners considering refinancing of their properties may qualify for an FHA streamlined refinance loan, cash-out refinance loan, or a no-cash refinance loan. According to FHA loan rules, applicants for a new mortgage must meet the eligibility criteria, not be the same party as the original loan, and reside on...
  • What Qualifications Do you Need for HARP Refinancing

    More than 75 million U.S. consumers own homes, and many of them have little equity in their homes. Such consumers may want to refinance their mortgages for various reasons, but traditional lenders usually deny refinancing for homes that do not have much equity. The HARP refinancing program allows people...
  • How to Lower your Mortgage Repayments

    Many people believe, quite mistakenly, that there is no way to reduce mortgage repayments once a deal has been struck with a loaning institution. However, the savviest investors recognize that this is one of the main ways to save money over the long term. Below are just a few...
  • What Exactly Is A Bad FICO® Score?

    You probably have a vague estimation about your FICO® Score. You guess that you have a good FICO® Score, or a great FICO® Score. Maybe you’re unhappily sure you have a bad FICO® Score. But what, exactly, is a bad FICO® Score? Different Scales, Different Systems The first thing...
  • 10 Ways Bad FICO® Scores Mess Up Your Life

    A bad FICO® Score is one of those realities of finance that people often forget. It’s too frequently out of sight and therefore, largely out of mind. Nevertheless, once you are saddled with it, it’s a shackle that is hard to shake. You are tied up with bank fees...
  • 10 Signs Your FICO® Score Is Negatively Impacting You

    Do you have a bad FICO® Score? How can you even tell? This list of ten red flags will show you what to look for.   1.  You can’t get a credit card. If you’ve had a credit card application turned down, it could be a sign that you...
  • The 5 Essential Elements Of Your FICO® Score

    When it comes to determining credit scores, credit risks, and interest rates, FICO® the go-to firm – handling over 10 billion credit requests globally. The FICO® Score is a numerical credit rating that has the power to decide whether a request for borrowed capital is accepted or denied. Likewise, interest...