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Big purchase items like a car or a house require a credit check and, if someone’s credit is less than ideal, they are likely to be denied a loan for said purchase. That’s where a cosigner comes in. A cosigner is someone who has built up their credit score and has agreed to cosign a […]

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There are a lot of benefits to owning a home. The biggest, is often the return on investment as most homes increase in value over time. Unlike renting, owning a home produces a return on investment and few people know that you can use your home as equity for virtually anything you need. But, it’s […]

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We know college is expensive. We also know FAFSA forms can be confusing and oftentimes not enough to help with the burden of tuition. The average amount of money left on the table per eligible high school graduate who didn’t apply was $1,861. Two Rivers partners with Iowa Student Loans to offer the Partnership Advance […]

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  Home equity. What is it exactly? Here’s our cheat-sheet of a definition! Home Equity: The difference between what your home is worth and how much you owe on it. For example, if your home is worth $250,000 and you owe $100,000 you have $150,000 in equity. As time goes on and you make more […]

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Via: NerdWallet

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Buying a home is a common undertaking for many Americans, but it’s also one of the most complicated — not to mention costly — purchases adults will ever make. It’s important to understand these 10 essential terms so you’re ready to make smart decisions with your money. Adjustable-rate mortgage (ARM): A mortgage with an interest […]

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