The Yvette Clermont Team

Summer Day Camp Expenses May Qualify for a Tax Credit

Yvette Clermont — Tue, 21 May 2013 13:30:14 +0000

Along with the lazy, hazy days of summer come some extra expenses, including summer day camp. But, the IRS has some good news for parents: those added expenses may help you qualify for a tax credit. Many parents who work or are looking for work must arrange for care of their children under 13 years …

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How to Rebuild Your Savings

Yvette Clermont — Sat, 18 May 2013 13:30:23 +0000

Sometimes no matter how much planning you do, your savings plan goes awry. You can, however, rebuild your savings after a financial downturn when you start now. The key to rebuilding a drained savings account or a depleted retirement account is to start again, as soon as you can, and not wait for some “extra” …

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Buying a First Home: Where to Begin

Yvette Clermont — Wed, 15 May 2013 17:45:48 +0000

You’re ready to move out of your parents’ house or your rented apartment. It’s time for a new chapter in your life. But you probably have many questions about buying a first home. Where should you begin? Check your credit Virtually every new home buyer is going to need to secure financing of some sort, …

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Celebrate Mom!

Yvette Clermont — Sun, 12 May 2013 13:30:58 +0000

Mother’s Day in the United States is an annual holiday celebrated on the second Sunday in May. Mother’s Day recognizes mothers, motherhood and maternal bonds in general, as well the positive contributions that they make to society. Although many Mother’s Day celebrations world-wide have quite different origins and traditions, most have now been influenced by …

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Lower Credit Score Requirements for FHA Borrowers

Yvette Clermont — Fri, 10 May 2013 13:30:13 +0000

Borrowers with credit scores 620 and up may now be eligible to finance a home using an FHA loan. Are you seeking to purchase a home using the FHA loan program? Due to new lower credit score requirements, you may now have the opportunity to qualify for an FHA loan despite a few black marks …

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USDA Rural Development Loans

Yvette Clermont — Wed, 08 May 2013 13:30:24 +0000

The USDA Rural Development Loan Program is designed to make rural housing more affordable. USDA loan program eligibility depends upon applicant income and the purchase property location. With USDA Rural Development loans, you can finance a home with no down payment. USDA Program Eligibilty Extended The U.S. Department of Agriculture has extended the USDA Rural …

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Tax Tips for Individuals Who Are Moving This Summer

Yvette Clermont — Mon, 06 May 2013 14:12:42 +0000

Summertime is a popular time for people with children to move since school is out. Moving can be expensive, but the IRS offers 10 tax tips on deducting some of those expenses if your move is related to starting a new job or a new job location. Move must be closely related to start of …

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Plan Financial Management Reviews at Each Life Stage

Yvette Clermont — Fri, 03 May 2013 15:09:51 +0000

Do you wonder if you’re doing the right things with your finances? Perhaps you don’t know where to focus your attention. As we move through adulthood, we pass through several financial life stages and make budget, debt and investing choices. Understanding where you are and which financial management activities commonly occur at your life stage …

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HARP Mortgage Refinancing

Yvette Clermont — Wed, 01 May 2013 13:30:38 +0000

HARP Program Extended Last week, the FHFA directed Freddie Mac and Fannie Mae to extend the HARP program for another two years. The program was set to expire for all mortgage applications received on or after December 31, 2013. The new cutoff date will be for applications with received dates by December 31, 2015. What …

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The Basics of Dealing with College Debt

Yvette Clermont — Mon, 29 Apr 2013 13:30:52 +0000

So you’ve finally walking across that stage, shaking the dean’s hand and receiving your diploma. But if you used student loans to get there, you’re also faced with the realization that you have some debt accumulated. College debt can be one of the most challenging types of debt, simply because you’re allowed to put off …

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