You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict editorial policy, so you can trust that…
Credit: Marje/Getty Images; Illustration by Issiah Davis/Bankrate If your credit needs work, that doesn’t necessarily mean you won’t qualify for a mortgage. There are lenders and loan programs for borrowers with bad credit, including FHA loans. However, you’ll have your work cut out for you: During the third quarter of…
A smart personal finance strategy often involves earning some interest on your money while not taking on too much risk. These days, high-yield savings accounts are one viable option, with top rates reaching over 4% APY — significantly outpacing the current inflation rate of 2.7%. In addition to savings accounts,…
Credit: ©️ Allard Schager/Getty Images; Illustration by Issiah Davis/Bankrate Shopping for a home in Florida often means navigating a market of extremes, from modest homes in rural areas to multimillion-dollar mansions and high-rises in Miami. Overall, it’s a mixed picture for the housing market in the Sunshine State, with shifting…
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Westend61/GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways FHA 203(k) loans provide funding to finance both a home’s purchase and the cost of repairing it. This type of loan, which you can obtain from an FHA-approved lender, is reserved for borrowers who intend to live in…
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Delmaine Donson/Getty Images Debt relief companies work on your behalf to negotiate your debts, usually through a settlement for less than you owe.…
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These entrepreneurs, traders and investors are making an outsized impact in fintech, crypto and traditional financial services.By Jeff Kauflin, Hank Tucker and Nina…
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Image by PM Images/Getty Images; Illustration by Hunter Newton/Bankrate Mortgage rates rose this week, with the 30-year fixed rate averaging 6.34%, up from 6.28% the previous week, according to Bankrate’s latest lender survey. Current mortgage rates Loan type Current 4 weeks ago One year ago 52-week average 52-week low 30-year…
Roth IRAs and traditional IRAs can be a great way to save and invest for retirement, but they come with specific income and contribution limits. The IRS generally adjusts these limits each year to account for inflation. Roth and traditional IRA contribution limits Each year, you can contribute a specific…
Lower interest rates from the Federal Reserve are often something you can only fully appreciate in hindsight. A single quarter-point cut won’t move the needle on a household’s budget. Multiple cuts over time, however, are where the real savings start to add up. If officials at the U.S. central bank…
Sabrina Leonard’s life has grown more difficult over the past two years. The 49-year-old Spring Hill, Kansas, resident has watched her rent, utilities and grocery bills steadily rise while her paycheck has remained the same. Things came to a head in early 2025. She was $600 short on rent, $700…
Key takeaways IRAs are a tax-advantaged way to save for your future. You can open an account even if you’re also investing in an employer-sponsored account like a 401(k), assuming you meet the other IRA eligibility requirements. The two main types of IRAs are traditional and Roth, but depending on…
Holiday scams have become more challenging to spot than ever, especially with the rise of AI in 2025. Even though the holiday season is the most wonderful time of the year, it is also the time when fraudsters and cybercriminals are most active. Inboxes are flooded with “flash sales” and…
Key takeaways If you’re looking to increase your credit limit, the best place to start is on your issuer’s mobile app or website. If that’s not an option, call your issuer directly and talk to them about the process. If your issuer denies your credit limit increase, find out why…
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict editorial policy, so you can trust that…
Key takeaways Most major credit issuers no longer allow co-signers, although a few issuers allow you to create joint accounts with another person. Becoming a credit card co-signer comes with significant financial risk and should not be taken lightly. There are many alternatives to applying for a credit…
Citi is an advertising partner. Key takeaways Getting preapproved for a Citi credit card reveals your odds of being approved without requiring a hard inquiry on your credit. There are several steps you can take to boost your chances of preapproval, such as monitoring your credit reports and improving your…
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