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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.

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 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? 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? 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 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 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 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 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 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... 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.