Articles by Valencia Patrice Higuera

Valencia Higuera is based in Virginia and she covers budgeting, credit cards, and student loan debt, with expertise in frugal living, general banking, and mortgages. She is a self-proclaimed personal finance junkie. Valencia has contributed to publications and outlets including MSN, The Huffington Post, CBS News, Investopedia, and more. Education: B.A. in English from Old Dominion University.

USDA Loans: Eligibility, Income Limits and Application Process Learn about USDA loans that are available to low-income homebuyers who may not have enough for a down payment, including eligibility and requirements. Mortgage Modification: How Does It Work? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Mortgage Modification: How Does It Work? A job loss or another change in circumstance can make it difficult to pay your... Should You Set Up a Blind Trust for Your Assets? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Should You Set Up a Blind Trust for Your Assets? When it comes to money management, many people want to be in complete control of... Mortgage Pre-Approval Checklist: Documents You Need to Prepare Find out which specific documents and pieces of information needed for mortgage pre-approval, which could help smooth out the home-buying process. Mortgage Rate Shopping: How Multiple Applications Affect Your Credit Score Learn how to shop for the best mortgage rates without hurting your credit score with multiple inquiries for a new credit lines or loan. When to Hire a Property Manager for Your Rental Properties Photo of Valencia Patrice Higuera Valencia Patrice Higuera When to Hire a Property Manager for Your Rental Properties Owning rental property is an excellent way to earn passive income and diversify... Home Insurance Declaration Page: The Key Details of Your Policy Photo of Valencia Patrice Higuera Valencia Patrice Higuera Home Insurance Declaration Page: The Key Details of Your Policy If you own a home, you likely have homeowner’s insurance. Most mortgage lenders... How to Manage Homeowners Insurance for Home Renovations and Repairs Learn how to handle your homeowners insurance policy before, during, and after major home renovations or repairs to ensure proper coverage. South Carolina Homeowners Insurance: How to Shop for the Cheapest Rates See the average homeowners insurance rates in South Carolina based on coverage levels and city -- in additional to optional riders that you might consider. Homeowners Insurance and Dogs: Are You Covered? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Homeowners Insurance and Dogs: Are You Covered? Homeowners insurance is an important policy that protects your property from...