Useful info to help you on your financial journey
Many people associate financial changes with stress, especially when it comes to refinancing a loan. Some expect the process to be a hassle, some stress because they don’t know what to expect, and, more rarely, some feel perfectly comfortable. Regardless of which category you identify with, we created a guide that should provide you with…
After what seemed like an endless winter, spring has finally arrived. With it comes sunshine, warmer days, neighbors emerging from hibernation, and even the newfound motivation for “spring cleaning.” For your family, spring cleaning might mean simply clearing out the garage or even reorganizing the whole house. But regardless of how many home projects you […]
Money issues can play a huge role in marital dissatisfaction. Refinancing your auto loan is a great way to save money and avoid financial conflict at the same time. There are a few things that couples are notorious for fighting over: whether someone forgot to take out the trash, whose turn it is to get […]
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 […]
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. […]
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 […]
On Collateral Lending The amount of data at my fingertips is at times daunting. Tens of thousands of applications streaming in to our processing center provides a unique perspective of the human financial condition in today’s economy. Generally, we have experienced a slight improvement in credit quality reflected in an increased number of applicants with […]
Now that your auto refinance with rateGenius is complete be sure to keep in mind the following steps. Your New Lender Please make sure to note your new payment due date with your new lender. Typically ten days prior to your first payment, you will receive information from your new lender regarding payment instructions. If […]
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 […]
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 […]
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