Valencia Higuera, contributor

Valencia Higuera is a freelance writer from Chesapeake, Virginia. As a personal finance and health junkie, she enjoys all things related to budgeting, saving money, fitness, and healthy living.

Articles by Valencia Higuera

RefinanceOctober 1, 2025
I Just Refinanced — Can I Refinance Again?
Thinking about refinancing again soon? Understand lender waiting periods, potential costs and key factors to help you decide if a second refinance is the right move.
RefinanceSeptember 30, 2025
Can I Refinance My Home After 1 Year? | Rules & Eligibility
Refinancing is possible sooner than you think. Explore waiting periods, lender rules, and factors that affect refinance eligibility.
First-Time Home BuyersSeptember 1, 2025
Requirements to Buy a House: 9 Rules for First-Time Buyers
Here are the nine basic requirements to buy a house. Learn what you need for credit score, income, down payment, and documentation.
Home Equity LoanJuly 10, 2025
Can You Refinance a Home Equity Loan Without Refinancing Your Mortgage?
Can you refinance a home equity loan without refinancing your mortgage? Yes — and here's how it works, plus when it makes financial sense.
Home Equity LoanJuly 8, 2025
What Are the Different Types of Home Equity Loans and Which Is Best?
Compare the main types of home equity loans—from fixed-rate loans to equity sharing agreements—to find the perfect fit for your goals.
HELOCJune 24, 2025
HELOC Prepayment Penalties: What They Are and How to Avoid Them
HELOC prepayment penalties can catch borrowers off guard. Find out what triggers them and how to avoid paying unnecessary fees.
Mortgage Lender ReviewsJune 19, 2025
PrimeLending Mortgage Review for 2025: Rates, Loan Options and Customer Feedback
PrimeLending mortgage review showing how PrimeLending compares to other top lenders for mortgage rates, customer service, and loan options.
Mortgage Lender ReviewsJune 18, 2025
Zillow Home Loans Review for 2025: Rates, Loan Options and Customer Feedback
Zillow Home Loans review showing how Zillow compares to other top lenders for mortgage rates, loan options, and customer service.
FHA Home BuyingJune 13, 2025
Why FHA Loans Are a Great Fit for People With Disabilities
FHA loans are disability-friendly. Learn how people with disabilities can use SSDI or SSI income to qualify for a mortgage.
USDA LoansJune 10, 2025
Can People With Disabilities Get a USDA Loan?
USDA loans for people with disabilities offer $0 down payment, low rates, and flexible income guidelines. Learn how disability income can help you qualify.
Mortgage Lender ReviewsJune 5, 2025
Newrez Mortgage Review for 2025: Rates, Loan Options and Customer Feedback
Newrez mortgage review showing how Newrez compares to other top lenders for mortgage rates, loan options, and customer service.
Mortgage Lender ReviewsMay 30, 2025
Mission Loans Mortgage Review for 2025: Rates, Loan Options and Customer Feedback
Mission Loans review showing how Mission Loans compares to other top lenders for mortgage rates, loan options, and customer service reviews.
Mortgage Lender ReviewsMay 14, 2025
Flagstar Mortgage Review for 2025: Rates, Loan Options and Customer Feedback
Flagstar mortgage review showing how Flagstar Bank compares to other top lenders for mortgage rates, loan options, and customer service.
Mortgage Lender ReviewsMay 8, 2025
Navy Federal Mortgage Review for 2025: Rates, Loan Options and Customer Feedback
Navy Federal Credit Union mortgage review comparing Navy Federal to other to lenders for mortgage rates, loan options, and customer service.
Mortgage Lender ReviewsApril 16, 2025
PennyMac Mortgage Review for 2025: Rates, Loan Options and Customer Feedback
PennyMac mortgage review showing how PennyMac compares to other top lenders for mortgage rates, customer service, and loan options.
First-Time Home BuyersApril 14, 2025
Affordable Warm States With Fast-Rising Home Values
Explore affordable warm states where young buyers are increasingly finding financial stability and promising home value growth.
Homeownership TopicsApril 10, 2025
How to Finance a Pool | Pool Financing Options 2025
Pool financing can be affordable, especially with a low-rate secured loan. Learn about the best swimming pool financing options.
Mortgage Lender ReviewsApril 10, 2025
Veterans First Mortgage Review for 2025: Rates, Loan Options and Customer Feedback
Veterans First review showing how Veterans First compares to other lenders for mortgage rates, customer service, and home loan options.
Mortgage Lender ReviewsApril 9, 2025
North American Savings Bank (NASB) Mortgage Review 2025: Rates, Loan Options and Customer Feedback
Review of North American Savings Bank mortgages showing how it compares to other top lenders for mortgage rates, loan options, and service.
Mortgage Lender ReviewsApril 9, 2025
AmeriSave Lender Review for 2025: Rates, Loan Options and Customer Feedback
AmeriSave review showing how AmeriSave compares to other top mortgage lenders for mortgage rates, customer service, and loan options.

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