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(BPT) - Paid Content by Vanderbilt Mortgage and Finance, Inc Building a savings account can seem daunting. Many people believe they should have a high amount of savings tucked away, but then often become overwhelmed thinking about that goal. By shifting your mindset and taking small, achievable steps, you can reach your savings goals and more. Keep in mind, if your savings is low or nonexistent, you're not alone. Fewer than 40% of Americans could pay an unexpected $1,000 bill with their savings, according to a recent survey. The pandemic has presented countless challenges for many people, an...

This is the best way to lower your monthly mortgage payment By Lauren Bowling Focus on the "big wins" instead of small to save more in 2021. (iStock) Inevitably at the end of the year and after a spendy holiday season, the collective American consciousness turns to save money. Many consumers focus on micro-adjustments in order to put more cash back in the monthly household budget: skipping the latte, cutting subscription services and planning more meals at home. While these smart moves do save money, it is actually macro adjustments that make the most substantial difference. One big way to ...

FHA vs. Conventional Loans in Plain English © (Getty Images) Female client consulting with a agent in the office Potential homebuyers with credit problems, low income or not much saved for a down payment may have trouble finding a home loan. For those borrowers, an FHA-insured loan might be a good solution. Here's what you should know if you're weighing whether a conventional or FHA mortgage is the best way to go. What Is an FHA Loan? The FHA insurance program provides a means for many prospective homeowners to achieve the dream of owning a home who might not have otherwise been able to do...