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

HELOCFebruary 3, 2026
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.
USDA LoansFebruary 2, 2026
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.
About MortgagesFebruary 2, 2026
Mortgage Income Requirements | How to Qualify in 2026
While there isn't a minimum income required for mortgage loans, most lenders do have certain income guidelines. Here's what expected of most borrowers.
Home Equity LoanJanuary 30, 2026
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.
Homeownership TopicsJanuary 30, 2026
I Own My House Outright and Want a Loan: Is It Possible? | 2026
Need a loan on a home you own outright? Unlock your equity and get the cash you need. Compare loan options and start saving today.
Buying a homeJanuary 21, 2026
I Make $70k a Year How Much House Can I Afford? | 2026
If you make $70,000 a year, you should have a sizable home buying budget. Here's how to estimate price range based on your salary.
About MortgagesJanuary 16, 2026
How to Prequalify for a Home Loan as a First-Time Buyer | 2026
Learn how to prequalify for a home loan and take the first step toward homeownership. It’s quick, easy, and helps you know your budget!
Homeownership TopicsJanuary 9, 2026
How to Finance a Pool | Pool Financing Options 2026
Pool financing can be affordable, especially with a low-rate secured loan. Learn about the best swimming pool financing options.
First-Time Home BuyersJanuary 9, 2026
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.
USDA LoansJanuary 8, 2026
Can You Refinance a USDA Loan or Mortgage? | 2026
Learn how to refinance your USDA loan into a lower rate and payment. Or refinance a USDA loan to cash-out equity or remove mortgage insurance
FHA Home BuyingJanuary 7, 2026
How to Apply for an FHA Loan | FHA Loan Process 2026
Learn how to apply for an FHA loan in %%currentyear%%. Discover requirements, application steps, and tips to secure your FHA loan.
First-Time Home BuyersJanuary 5, 2026
NACA Program | Income Requirements 2026
The NACA program is a special mortgage with no down payment or closing costs. See how NACA can make your dream home affordable. Learn more.
FICO & Credit ScoresJanuary 2, 2026
Can I Buy a House with a 600 Credit Score in 2026?
It's possible to buy a house with a 600 credit score, provided you meet mortgage requirements. Learn about 600 credit score home loans here.
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.
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.
Mortgage Lender ReviewsJune 19, 2025
PrimeLending Mortgage Review for 2026: 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 2026: 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.
Mortgage Lender ReviewsJune 5, 2025
Newrez Mortgage Review for 2026: 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.

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