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David Mulonas
Jun 7, 20219 min read
#62 - Is it Better to Buy or Rent a Home? It Depends on Budgetary Discipline
Whether you choose to rent or buy your home, it is a major life decision that affects not only your lifestyle but also your financial health
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David Mulonas
Apr 30, 20211 min read
Government Sponsored Entities (GSEs)
A government-sponsored enterprise's (GSE) function is to enhance the flow of credit to targeted sectors of the economy.
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David Mulonas
Apr 29, 20212 min read
PFT #20 - Personal Finance Tip: When is the Right Time to Buy a House?
Low interest rates, lack of labor and supply are the right ingredients for an unprecedented housing market; perhaps a housing bubble.
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David Mulonas
Apr 16, 20212 min read
Should You Make Biweekly Mortgage Payments?
Many mortgage companies have a biweekly payment plan to make 13 payments each year. This can you save thousands of dollars interest.
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David Mulonas
Feb 28, 20217 min read
#48 - No Budget Typically Means no Planned Retirement: You Need a Fixed Budget. We'll Show you How.
According to many different surveys around â…” of people do not follow a budget or if they have one, they do not maintain it.
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David Mulonas
Jan 11, 202110 min read
Podcast #41 - Are You Ready for a Big Move Into the Tiny House Movement?
A tiny house is defined as a dwelling unit with a maximum 400 square feet of floor area, excluding lofts.
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David Mulonas
Jan 6, 20212 min read
PFT #4 - Personal Finance Tip: What is Private Mortgage Insurance (PMI) and How to Get Rid of it
PMI occurs when you do not have at least 20% of equity or 80% loan-to-value when you purchase the home.
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David Mulonas
Sep 15, 20205 min read
#24 - What is Debt-to-income Ratio and to Use it When Purchasing or Refinancing a New Home
DTI is used as a measure for loan approval. We'll this explain simple calculation to be prepared when applying for a mortgage or refinance.
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