Homeowner Education

Credit History is a record of an individual’s past borrowing and repayment behavior, documenting how financial obligations have been managed over time. It reflects interactions

Credit is a financial concept that represents the ability to obtain goods, services, or money with the promise of repayment at a later date. It

A Covenant is a formal promise, agreement, or restriction that imposes specific obligations or limitations on the use of property or the behavior of parties

Consumer Bankruptcy is a legal process available to individuals who are unable to repay their debts and seek relief through protections provided under federal law.

Chapter 7 is a form of consumer bankruptcy that allows individuals to eliminate certain debts through a court-supervised liquidation process. It is designed for people

Chapter 13 is a form of consumer bankruptcy that allows individuals with regular income to reorganize their debts through a court-approved repayment plan. Rather than

Chapter 12 is a specialized form of bankruptcy designed specifically for family farmers and family fishermen who have regular annual income but face financial distress.

The Capitalization Rate is a financial metric used in real estate investing to estimate the expected rate of return on an income-producing property based on

Capitalized Cap Cost refers to the total amount being financed in a vehicle lease after all adjustments, additions, and reductions are applied. It represents the

Capitalization refers to the way costs, assets, or financial value are recorded, structured, or recognized for accounting, financial, or valuation purposes. The meaning of this