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.

How to Buy Homeowners Insurance Before Closing on a New Home See the steps to buy homeowners insurance, which is often needed before the closing process can complete because mortgage lenders require it. VA Home Loans: A Guide to Mortgage for Veterans Photo of Valencia Patrice Higuera Valencia Patrice Higuera VA Home Loans: A Guide to Mortgage for Veterans Most people can’t afford to buy a house with cash. For this reason, they rely on... USDA Loans: Eligibility, Income Limits and Application Process Photo of Valencia Patrice Higuera Valencia Patrice Higuera USDA Loans: Eligibility, Income Limits and Application Process If you’re thinking about buying a home, you can choose between several home... Mortgage Modification: How Does It Work? Find out how mortgage modifications work to help you when you're struggling to make mortgage payments -- as opposed to refinancing the home loan altogether. Should You Set Up a Blind Trust for Your Assets? Learn how blind trusts work to conceal asset information from the public and to distribute inheritances and assets to heirs and benificiaries. Mortgage Pre-Approval Checklist: Documents You Need to Prepare Photo of Valencia Patrice Higuera Valencia Patrice Higuera Mortgage Pre-Approval Checklist: Documents You Need to Prepare Getting pre-approved for a mortgage is an important step in the process of buying... Mortgage Rate Shopping: How Multiple Applications Affect Your Credit Score Photo of Valencia Patrice Higuera Valencia Patrice Higuera Mortgage Rate Shopping: How Multiple Applications Affect Your Credit Score For most people, buying a house involves applying for a mortgage loan. Some... When to Hire a Property Manager for Your Rental Properties Find out what you need to consider when thinking about hiring a property manager or property management company to handle and maintain your rental properties. Home Insurance Declaration Page: The Key Details of Your Policy Find out what details are summarized in your homeowners insurance declaration page so that you know exactly what and how much coverage you have on your home. How to Manage Homeowners Insurance for Home Renovations and Repairs Photo of Valencia Patrice Higuera Valencia Patrice Higuera How to Manage Homeowners Insurance for Home Renovations and Repairs Home renovations can add value to your property and modernize your space. Your...