FHA Mortgage Loan Requirements
FHA-insured loans are an incentive because they require small cash investment to close a loan and they have less rigorous requirements.
Annual Credit Report
A credit file disclosure also includes a record of everyone who has ever made an “inquiry” about you and received your consumer report, over a given period of time.
Should I Consider an FHA Loan?
The Federal Housing Administration (FHA) was established to provide mortgage insurance on loans.
Personal Budgeting
Are you trying to save some of your paycheck each week/month but finding it impossible to do?
Budgeting for College Students
Being frugal does not mean you have to eat Ramen noodles every night.
Paring Down the Family Budget
Most of us try and keep up, valiantly, faithfully and dutifully paying the minimum payment each month just barely staying afloat.
Why Choose a 40-Year Mortgage?
Do lower payments justify less equity and more interest in the long run?
Foreclosure versus Bankruptcy
Whether you go into foreclosure or declare bankruptcy depends on the nature of your financial crisis.
Introducing the Fair and Accurate Credit Transactions Act
Most significantly, FACTA introduced several "Red Flag Rules" for directly regulating creditors.
Debt Free Solutions
When it comes to taking action against accumulating debt, there are many options.
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Kenneth Long


Kenneth Long is President of Fiscal Progress, Inc. as well as President and Vice Chairman for Vision Credit Education, Inc. He serves as a regional coordinator for the North Carolina Saves campaign. Long is also a co-founder of the Wake EITC Coalition.

Long is a graduate of the University of North Carolina at Chapel Hill with a B.A. in Industrial Relations. He subsequently received his Certificate in Nonprofit Management from Duke University. His Certificate in Financial Planning was issued by Florida State University.

Long has achieved the Accredited Credit Counselor and Accredited Financial Counselor certifications through the Association for Financial Counseling, Planning and Education. Long originally achieved the Certified Credit Counselor designation through the National Institute for Financial Education. Long is also a Certified Housing Counselor with training received through The Association for Housing Counseling.

In addition to years of nonprofit leadership, Long has been an innovator in the field of volunteer tax return preparation programs. He assists volunteer associations and nonprofit organizations who seek to integrate credit counseling and asset-building programs with free personal income tax preparation. His approach to using free credit reports as both an incentive and a screening tool for placement into asset-building programs has been shared with members of the National Community Tax Coalition, the EITC-Carolinas Initiative of MDC, Inc. and nonprofit groups across the Carolinas.

"Character is built one client at a time. It's not how you change them, but how they transform you."
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