Mortgage, Home Buying, Savings and Retirement Expert
Nina Semczuk is a Certified Educator in Personal Finance® (CEPF®) and a member of the Society of American Business Editors and Writers. She helps makes personal finance accessible as a Writer/Editor and homebuying expert for SmartAsset. Nina started her path toward financial literacy at fourteen after filling out her first W-4 and earning her first paycheck. Since then, she's navigated the world of mortgages, VA loans, Roth IRAs and the tax consequences of changing states or countries at least once a year. Nina specializes in mortgage, savings and retirement education. Nina is a graduate of Boston University and served as an officer in the military for five years. Find her work on The Muse, Business Insider, Fast Company, Forbes and around the web.
Posts by Nina Semczuk:
Searching for the best rates and best mortgage terms can be hard on your own. That’s why some homebuyers opt to choose a mortgage broker, the middleman of the home loan market. Instead of going to each lender for a rate quote yourself, a mortgage broker does the legwork for you. Brokers generally receive compensation from the lender you end up working with or from fees charged to you. The amount is usually a percentage of the loan total. If you decide to go with a particular mortgage broker, always be sure to calculate your monthly mortgage payment to have a full understanding of what your costs will be. Read more
With shows like “Flip or Flop” and “Property Wars” attracting TV viewers, Americans have become more interested than ever in how to buy a foreclosure. If you can purchase an inexpensive home, your mortgage payments will be low for the life of the loan. Dealing with foreclosures can seem like a complicated and potentially expensive process. But it’s actually not so different from buying a regular home. We break it down for you in the guide below. Read more
When you’re counting down to retirement, it’s easy to get caught up in fantasies of your future work-free life. Maybe it’s RV trips to Florida, days on the golf course or quality time spent with family. Whatever your dream retirement looks like, you can be sure you’ll need money to fund it. Unfortunately, if you’re like most Americans, you don’t have nearly enough saved for retirement. But you can help change that with a few key fixes. Read on to find out how with these five easy tips. Read more
In late December, President Trump signed sweeping tax legislation into law. Under the new law, taxpayers can only deduct $10,000 in combined property taxes and other state and local taxes (SALT) from… Read more
Whether you’re buying a house for yourself or as an investment, one factor to consider is the long-term value of the home. Housing market growth is a way to determine if you’ll get a return for your… Read more