Question 1

How do I find the statement date on my credit card?

Accepted Answer

The statement date (or closing date) is typically shown at the top of your credit card statement, often labeled as 'Statement Closing Date' or 'Billing Cycle End Date.' It's the last day of your billing period. You can also find it in your online account under statement details or by calling your card issuer.

Question 2

What is loan-to-value (LTV) ratio?

Accepted Answer

LTV ratio compares your loan amount to the property's appraised value, expressed as a percentage. For example, a $200,000 loan on a $250,000 home is 80% LTV. Lower LTV means more equity and less risk for lenders, often resulting in better interest rates and no mortgage insurance requirement. LTV above 80% typically requires PMI.

Question 3

How much should I put down on a house?

Accepted Answer

While 20% down is ideal to avoid mortgage insurance and secure better rates, many buyers put down less. FHA loans allow 3.5%, conventional loans as low as 3%, and VA/USDA loans allow 0%. Consider your savings, budget, and whether you'd rather have cash reserves for emergencies, repairs, and moving costs versus a larger down payment.

Question 4

What is a routing number on a debit card?

Accepted Answer

A routing number is NOT printed on your debit card—it's a 9-digit code that identifies your bank and is found on checks or in your online banking. Your debit card shows the card number, expiration date, and CVV. To find your routing number, check your paper checks, bank statement, or log into your online banking account.

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Frequently Asked Questions

How do I find the statement date on my credit card?

What is loan-to-value (LTV) ratio?

How much should I put down on a house?

What is a routing number on a debit card?

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