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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.

Credit Karma Savings Account Review 2024: Extra FDIC Insurance and a High Savings Rate Photo of Valencia Patrice Higuera Valencia Patrice Higuera Credit Karma Savings Account Review 2024: Extra FDIC Insurance and a High Savings Rate Credit Karma is known as a great resource for consumers to monitor their... 10 Reasons Why You Were Denied a Business Credit Card Learn why you were denied a business credit card, which may offer big rewards on your business expenses. Find out what you can do to get approved. How to Get a Mortgage If You’re Self-Employed, a Small Business Owner or Gig Worker Learn about the process of getting approved for a mortgage as a business owners, self-employed individual, or gig worker who doesn't have typical documentation. Can You Take Out a Personal Loan for Closing Costs? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Can You Take Out a Personal Loan for Closing Costs? If you’re buying a home, it’s important to remember that your expenses go beyond... Should You Use a HELOC to Buy a Car? Photo of Valencia Patrice Higuera Valencia Patrice Higuera Should You Use a HELOC to Buy a Car? If you don’t have money in savings to pay cash for a car, one option is to apply... The Best Steps to Take After Paying Off Your Mortgage Find out about the best (and proper) steps to take after you've finishing paying off your mortgage -- including how to best manage your finances afterward. Should You Get a Secured Business Credit Card? Find out whether it makes sense to apply for a secured business credit card to help build credibility for future business loans and credit lines. Homeowners Insurance Canceled: Next Steps to Ensure Coverage Photo of Valencia Patrice Higuera Valencia Patrice Higuera Homeowners Insurance Canceled: Next Steps to Ensure Coverage Insurance isn’t required by law, but a policy can protect your finances and... Where to Find Personal Loans for First Responders Photo of Valencia Patrice Higuera Valencia Patrice Higuera Where to Find Personal Loans for First Responders Police officers, firefighters, and emergency medical personnel (EMTs) are... How Do Early Withdrawal Penalties Apply to IRA CDs? Find out how early withdrawal penalties are applied to IRA CDs (individual retirement account certificates of deposit).