Category: Articles

by Julia Guardione

What we’re Thankful for this year

As one of our favorite holidays draws near, most Americans are excited to spend time with family, travel, and of course enjoy the inevitable feast and their favorite traditions. Since all of us at rateGenius are American (we all live in the Austin, Texas area), we’re excited, too. What makes us unique, however, is that […]

by Julia Guardione

How the auto industry influences your car refinance

Most consumers believe that credit history is the most important factor that influences the offers of credit they receive. Though credit history is very important, as we’ve said before, other elements are at play for auto refinance loan offers. In fact, even the other factors we’ve listed before as lenders’ main considerations for loan offers (i.e. […]

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

We’re one of Austin’s Best Places to Work

That’s right. For the 6th year in a row, we’ve been named a Top Workplace by the Austin American-Statesman.  Every year, the Statesman anonymously surveys Austin area employees, asking them detailed questions about their employers. This year, about 23,000 people participated, answering questions about workplace issues like leadership, company culture and values, and other qualities that contribute […]

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 […]

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