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PersonalHub

Your one-stop resource for everything related to your financial well-being. 

 

4 Times You Should Consider Refinancing Your Home

In early August, the rate for a 30-year fixed-rate mortgage averaged 3.75%. According to HousingWire, these low rates put 8.2 million mortgages in the “refi eligible” zone. Essentially, this means that refinancing will likely save money on the mortgage, despite the application and funding costs.

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Rebuilding After a Flood or Hurricane

Floods are the most common natural disaster in the country. According to FEMA, a mere inch of flood water in your home can result in over $27,000 in property damage! Despite this, homeowner’s insurance does not typically cover damages caused by flooding!

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The Top 10 Flood Markets

Floods are the number one natural disaster in the United States,1 and unfortunately, many Americans do not have flood insurance to protect their homes and belongings. The following states have the most homes in the highest flood risk zones.1 Hover over each state to view declared [as defined by The National Flood Insurance Program (NFIP)] floods and natural disasters that have occurred since 1953.2

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How Much Should You Save in Your 401 (k)?

Being financially prepared for retirement is a top concern for many Americans. With more people living paycheck-to-paycheck and the cost of living and healthcare costs on the rise, many people struggle with saving for the future. To get an idea of the current savings environment, below are a few key points:

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Is Climate Change Increasing the Likelihood of Severe Weather?

When Hurricane Harvey hit Houston in 2017, it left over 200,000 damaged homes in its wake, and caused $125 billion in total damages. Of the houses and businesses affected by the storm, 80% were located outside of the 100 year flood plain. The vast majority of these property owners did not have flood insurance.

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5 Tips to Keep Your Pets Safe in the Summer Heat

Sweet, sweet summertime! We love spending time outdoors during this time of year, especially with our furry friends. While you’re enjoying the sunshine, keep a close eye on your pet—the heat may affect your fur baby more than you realize! Here are some tips to make sure your pets are protected from the intense summer sun.

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Tips for a Successful Open House

Should You Host an Open House?

When it comes to selling your home, hosting an open house to drive foot traffic and attract buyers has traditionally been part of the process. However, statistics show that open houses may be becoming a relic of the past. According to the National Association of Realtors, only 3% of buyers visited an open house before purchasing their home.

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Filing a Flood Claim: What to Expect

Experiencing major damage to your beloved home after a flood can be devastating. Sadly, it doesn’t take very much water to cause thousands of dollars in damage to your home and your belongings. In fact, according to FEMA, just one inch of water can cause more than $25,000 worth of damage. If you, unfortunately, experience flood damage, the first thing that you’ll want to do is begin the steps to file a claim with your flood insurance provider.

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Do I Need to Buy Rental Car Insurance?

In my experience, traveling can quickly inspire a new state of mind. It’s easy to leave the mundane details of our daily lives on the runway when we leave for a new destination. There are, however, some very useful mundane details that can travel with you—without taking up luggage space!

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Obtaining a VA Loan in the Current Housing Market

If you serve or have served in the military and are considering buying a home with your VA home loan, you probably have a lot of questions. The homebuying process can be difficult enough to navigate without adding the VA loan to the mix, but if you know the basics and work with a knowledgeable loan officer, buying a home could be a breeze.

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