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Gina Freeman (Pogol) on Muck Rack

Gina Freeman (Pogol)

Verified
Hood River, Nevada, United States
As seen in: U.S. News and World Report, The Motley Fool (U.S.), Bankrate, The Mortgage Reports, Insurance.com, Moneygeek, Energy Digital, Business Chief
Covers:  Personal finance, mortgage, real estate, bankruptcy, taxes
Doesn't Cover: Celebrities

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Gina Freeman (Pogol)’s Biography

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I love what I do -- creating the most useful information in the most understandable form for consumers. Mortgage and personal finance topics are intimidating for so many people, and there is so much money involved. My experience as a systems consultant for Experian, a tax accountant for Deloitte and as a mortgage processor, loan officer and underwriter for CTX Mortgage gets me an inside view not many have. I've been writing about personal finance, credit, mortgages and other topics for over 20 …

Gina Freeman (Pogol)’s Journalist Portfolio

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Tips to Get Away From the Screen During the Coronavirus | Moneygeek

Tips to Get Away From the Screen During the Coronavirus | Moneygeek

It's easy to fall into the habit of watching videos, working, doing schoolwork, and being stuck to the comput…

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Tax Preparation Fees: Best Way to Prepare Your Taxes

Tax Preparation Fees: Best Way to Prepare Your Taxes

The U.S. Treasury announced it is pushing back this year's tax deadline. NEW TAX FILING DEADLINE: 07-15-20 NE…

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Mortgage broker vs. bank or mortgage lender: Which is best? | Mortgage Rates, Mortgage News and S...

Mortgage broker vs. bank or mortgage lender: Which is best? | Mortgage Rates, Mortgage News and S...

When you're shopping for a home loan, you have two main sources of money - a mortgage broker or a bank (also …

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How long does it take to close a mortgage? | Closing timeline

How long does it take to close a mortgage? | Closing timeline

The typical time to close a mortgage ranges from 45 to 60 days. This is the amount of time it takes from loan…

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How to Get Personal Loans for Tiny Homes | AmOne

How to Get Personal Loans for Tiny Homes | AmOne

Tiny homes are increasingly popular in the US, especially in areas where housing is very expensive. Students,…

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Conventional Home Loans: What They Are and How They Work

Conventional Home Loans: What They Are and How They Work

Find top conventional mortgage lenders and learn about what conventional loans are and how they work. Underst…

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Articles

What Is Lender-Paid Mortgage Insurance (LPMI)? Original

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By Gina Freeman (Pogol) Verified, Laurie Richards, Rob Johnson
| Bankrate Verified
Lender-paid mortgage insurance (LPMI) is an option for borrowers who cannot afford a 20 percent down payment on a home. In this arrangement, the lender covers the cost of the mortgage insurance, which is reflected in a slightly higher interest rate on the loan. Alternatives to LPMI include getting a VA loan or second mortgage, or paying a single premium mortgage insurance upfront. When you apply for a mortgage, the gold standard is a down payment of at least 20 percent of the purchase price.
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Four credit management letters you can use

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By Gina Freeman (Pogol) Verified
| creditsesame.com
Credit Sesame with four credit management letters that may help you on your mission to build great credit. If you’re trying to build or protect a good credit rating, credit report blemishes won’t help. What may help is a well-written letter. These four letters can help you discover if a debt is your responsibility, help you remove incorrect credit entries or even delete accurate (but damaging) information. Debt validation letter.
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How to get a mortgage with a 500 credit score

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By Gina Freeman (Pogol) Verified
| creditsesame.com
Credit Sesame on options for a mortgage with a 500 credit score. Your credit score is a significant factor when mortgage lenders underwrite your loan application.
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Interview

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Have you ever used a typewriter?

Yes. And now I take the keys from old ones and make jewelry from them. It reflects my interest and keeps me in touch with my roots.

What tools and software do you use to do your job?

I love WordPress Readability tools, Grammarly Premium is excellent for proofing. I also use a text-to-talk function to listen to my work.

Why did you become a journalist?

I love to write and I love to teach. I can reach a larger audience and help people confidently make complex financial decisions.