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.

What to Consider When Using Gift Funds for Your Down Payment on a Mortgage Find out what you must know about using gift funds (money from family or friends) as part of your down payment when applying for a mortgage to buy a home. Homeowners Insurance Lapse: What Happens If There's a Gap in Coverage Photo of Valencia Patrice Higuera Valencia Patrice Higuera Homeowners Insurance Lapse: What Happens If There's a Gap in Coverage Homeowner’s insurance is important whether you have a mortgage or you’ve paid off... What Are Your Options If You Bought a House That You Cannot Afford? Photo of Valencia Patrice Higuera Valencia Patrice Higuera What Are Your Options If You Bought a House That You Cannot Afford? Learn about the different options that you have if you're stuck with a mortgage to buy a home that's more than you can afford. The Best Credit Cards to Fix Your Bad Credit Without a Security Deposit If you have bad credit, you don‘t have to get a secured credit card to rebuild good credit. Unsecured cards can fix your credit without a security deposit. Homeowners Insurance Non-Renewal: What to Do? Find out what you should do to ensure coverage in the case of homeowners insurance non-renewal, when your insurer refuses to renew your policy. New Jersey Homeowners Insurance: Averages Rates for Coverage Photo of Valencia Patrice Higuera Valencia Patrice Higuera New Jersey Homeowners Insurance: Averages Rates for Coverage Your home is your haven. It’s the place where you spend the most time with loved... Louisiana Homeowners Insurance: What Proper Coverage Will Cost You Photo of Valencia Patrice Higuera Valencia Patrice Higuera Louisiana Homeowners Insurance: What Proper Coverage Will Cost You Homeowners insurance in Louisiana doesn’t only protect your home. It also protects... How to Buy Facebook Stock: Invest in the Social Media Network Learn how to buy shares of Facebook stock to become an investor in one of the most popular social media networks in the wold. Kitchen Remodel Loans: How to Finance a Kitchen Renovation Learn about the different loans that are available to finance a kitchen remodel or renovation, which could increase the value of your property. How to Pre-Qualify for Personal Loans and Get Free Rate Quotes Photo of Valencia Patrice Higuera Valencia Patrice Higuera How to Pre-Qualify for Personal Loans and Get Free Rate Quotes If you’re thinking about getting a personal loan, one of the first steps is to get...