Author: Julia Guardione

by Julia Guardione

From the Desk of Douville: Rising Above

Rising above when market conditions get tough There is no shortage of data documenting rising delinquency rates, losses trending upward, and dropping collateral values. The near prime to subprime market has seen the worst performance and has been grabbing the headlines as of late. We have also seen reaction to current market conditions with some […]

by Julia Guardione

Interest Rate vs. APR – What’s the Difference?

Consumers often see the terms “APR” and “interest rate” in advertisements and in financial conversations and assume that they mean the same thing. Well, that assumption could cost you thousands. Interest rates are the percentage amounts that lenders charge you to borrow money. Interest rates vary heavily by borrower, type of loan, and lending institution […]

by Julia Guardione

Auto refinancing in the military

Sometimes, both active and veteran military members perceive certain financial processes to be either more simple or more difficult because of their service. For example, benefits like VA Home Loans are available options to military personnel, but they can sometimes also increase the difficulty and speed of the home-buying process. In addition, the general circumstances […]

by Julia Guardione

Navigating Relationship Changes and Title Transfers

 When any relationship ends or changes, it can be a difficult transition – especially if there are finances involved. Changing and separating your financial situation can be a daunting task; many people don’t know where to start, and once they do, it can sometimes seem like a complex process. Some tasks are easier than others […]

by Julia Guardione

Do you qualify to refinance?

A common misconception is that credit score is king – that it is the main determining factor for loan approvals, offers, and terms. Though credit matters, it’s not the only factor lenders consider. These misconceptions can lead to hesitation, which can lead to missing out on thousands in potential refinance savings. Rather than letting your […]

by Julia Guardione

From the Desk of Roger Douville

My management philosophy I’ve been managing teams in the financial services industry for over 30 years and I dare say that there isn’t much that surprises me any longer. Maybe you feel this way too? Oh sure, I read the articles, attend the seminars, and converse with other professionals in an effort to gain further […]

by Julia Guardione

What happens to a car after a loss

Circumstances such as your state’s DMV and Probate laws, existence of a Will, presence of a lien on the vehicle, and listed owners on the vehicle’s title, lien, and registration all influence the fate of your loved one’s car. Whether you are responsible for managing the estate or not, it’s important to understand your rights […]

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