What is a 401(k)? A 401(k) plan is a type of qualified employer-sponsored retirement plan that allows employees to save for retirement on a tax-deferred basis. Created after World War II as a part of the Revenue Act of 1978, the 401(k) Plan was intended to attract workers and offer an added benefit to their …

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Memphis, TN

About Memphis, TN With the word Memphis meaning established and beautiful, there might not be any better-named city. The mighty Mississippi River flows through this vibrant metropolis where there is no shortage of music, amazing food (bring stretchy clothes: food portions here come in “whoa” and “oh my gosh, okay”), and plenty of history—some of …

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Cash-Out Refinance

What is a cash-out refinance? Did you know you can replace an old mortgage with a new one, even if the new mortgage has a larger amount owed than your existing loan? It’s known as cash-out refinancing and it’s used to help borrowers use the equity in their home mortgages to get some cash. How …

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Philadelphia, PA

About Philadelphia, PA Welcome to the City of Brotherly Love! Living in Philadelphia is all about enjoying quintessential American staples: sports, great food, rich history, and plenty of cultural staples for anyone craving a world-class artistic experience. Anyone moving here will enjoy vibrant festivals and plenty of charming and historic neighborhoods to move into.  Philadelphia …

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What is securitization? Taking illiquid assets and transforming them into securities via financial engineering is known as securitization. Real estate securitization is the process of taking bank and other lender-issued mortgages and turning them into securities that investors can buy. Essentially, real estate securitization turns illiquid mortgages into liquid assets by “securitizing” them. This process …

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Types of Real Estate Loans for the Savvy Investor

Mark Twain once suggested, “buy land, they’re not making it anymore.” And this was before current times when, thanks to low inventory and heightened housing demand, real estate prices are skyrocketing, making real estate investing a more attractive proposition than ever before. Not convinced yet? Just consider the following: Investing in real estate can provide …

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