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Frequently Asked Questions
Options include Standard (10-year fixed payments), Graduated (payments start low and increase), Extended (25-year term), and Income-Driven Repayment plans that base payments on your income and family size.
Your DTI is a key metric lenders use to assess your ability to manage monthly payments. It compares your total monthly debt obligations to your gross monthly income. A lower DTI ratio makes you a more attractive borrower and is required to qualify for most loans.
Insurance transfers financial risk from an individual to an insurance company in exchange for premium payments. It protects against catastrophic losses that could otherwise devastate your finances.
RMD rules apply to traditional IRAs, SEP IRAs, SIMPLE IRAs, and most employer-sponsored plans like 401(k)s, 403(b)s, and 457(b)s. Roth IRAs do not require RMDs for the original owner.
A durable power of attorney remains in effect even if the principal becomes mentally incompetent or incapacitated. This is the most common type used for financial planning purposes as it provides continuity during incapacity.
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