Rachel Turner
Mortgages, refinancing, home equity, and reverse mortgages can be confusing, so I break down how these loan options actually work for everyday homeowners and first-time buyers. I also write about personal loans, credit scores, debt consolidation, and budgeting basics, always with the goal of helping you compare costs and understand terms before you apply. My work here stays educational and neutral, because LoanFinancing is not a lender and does not give personalized financial advice. I rely on the site's published guides, calculators, and loan category pages to keep everything accurate and grounded in how the lending process really works. If you are weighing a home purchase, a refinance, or a reverse mortgage, my articles aim to give you clear questions to ask and numbers to check.
Articles by Rachel Turner
Nov 1, 2026 · Credit & Debt Management, Personal Loan Financing
How to Rebuild Credit After a Personal Loan Default
A personal loan default is not the end. Learn how to rebuild credit after a personal loan default with negotiation, secured cards, and steady payment habits.
Oct 31, 2026 · Budgeting & Financial Planning, Credit & Debt Management
How to Budget for Multiple Loan Payments at Once
A clear system to budget for multiple loan payments at once, from listing every debt to choosing avalanche or snowball and timing due dates.
Oct 30, 2026 · Home Equity Financing, Reverse Mortgages
How to Use Home Equity to Pay for Aging in Place Modifications
Use home equity to pay for aging in place modifications and stay independent. Compare loans, HELOCs, and reverse mortgages for safety upgrades.
Oct 26, 2026 · Buying a Home, Mortgage Qualification
How to Negotiate Closing Costs With a Lender
Learn how to negotiate closing costs with a lender by targeting negotiable fees, requesting lender credits, and comparing Loan Estimates to keep more cash at closing.
Oct 24, 2026 · Buying a Home, Mortgage Qualification
What Is a Short Term Mortgage and When Does It Make Sense?
A short term mortgage can save tens of thousands in interest, but it comes with higher payments. See when a 10 or 15 year term makes sense for your goals.
Oct 22, 2026 · Credit & Debt Management, Personal Loan Financing
Personal Loan vs Credit Card for Consolidating Balances
Compare personal loan versus credit card for consolidating balances: fixed payments, interest rates, credit impact, and how to avoid running up cards again.
Oct 19, 2026 · Buying a Home, Mortgage Qualification
How Lender Credits Work on a Mortgage Rate Buy Down
Lender credits on a mortgage rate buy down trade a higher rate for lower closing costs. See when the math works for low-cash buyers and when it backfires.
Oct 10, 2026 · Credit & Debt Management, Personal Loan Financing
Personal Loan vs Home Equity Loan for Debt Consolidation
Compare personal loan vs home equity loan for debt consolidation, including rates, risks, and which option protects your home while saving money.
Oct 8, 2026 · Banking & Loans, Personal Loan Financing
Decoding Loan Covenants and Clauses Before Signing
Decoding loan covenants and clauses before signing helps you avoid surprise fees, default triggers, and restrictive terms that can cost thousands over the life of your loan.
Oct 6, 2026 · Buying a Home, Mortgage Qualification
First Time Homebuyer Tax Credits and Deductions 2026
First time homebuyer tax credits and deductions 2026 can lower your tax bill. Learn which breaks you qualify for and how to claim them.