Money Saving Tips - Steve Cardinalli

Loans and Lenders, Money Saving Tips, PMI Private Mortgage Insurance

What is PMI and How Do I Get it Removed?

PMI stands for Private Mortgage Insurance. It’s typically required by lenders when you take out a conventional loan and put down less than 20% of the home’s purchase price as a down payment. PMI protects the lender in case you default on the loan. How to know if you’re paying PMI: Check your mortgage statement: […]
Loans and Lenders, Money Saving Tips, Property Tax, Reverse Mortgage, Seniors, Toye Martindale

How California Seniors Can Save on Real Estate Taxes

How California Seniors Can Save on Real Estate Taxes For many California seniors, property taxes can be one of the largest expenses of homeownership — especially after retirement when income often becomes fixed. Fortunately, there are several programs and strategies designed to help seniors reduce or defer their property tax burden while staying in their […]
Government, Money Saving Tips, Politics

Using Home Equity to Pay Bills During a Government Shutdown

Using Home Equity to Pay Bills During a Government Shutdown When a government shutdown happens, it doesn’t just affect federal employees—it ripples across the economy. Missed paychecks, delayed government services, and overall uncertainty can create financial stress for many households. For homeowners, one potential lifeline in times like these is home equity. What is Home […]