Help a Reader: Dealing ...

Here’s an email I recently received from a reader: My wife and I got married last fall and we both were fortunate/unfortunate to be homeowners.  I’m 32 and my wife is 28 and while we both bought homes before we met which were perfect for our situations, obviously things have...

How to Calculate Debt-t...

You probably know, or can figure out, what a debt-to-income ratio is and that lenders use it to decide if they want to offer you a loan or mortgage. What you may not know is that the way lenders evaluate loan-worthiness should not be how you calculate how much debt you can take on. In...