Loans · 07/18/2025

Homebuyers in the US need to consider restrictions related to two types of properties when choosing loans. Legally remodeled properties are eligible for loans, while illegally remodeled ones may impact loan qualifications. Additionally, modular homes, due to their unique construction method, often have an easier time securing loans compared to manufactured homes. Understanding this information helps investors make informed home purchasing decisions.

Insurance · 07/18/2025

In the United States, international students need not only health insurance but also auto and home insurance. Auto insurance includes liability, collision, comprehensive, and other types, with liability insurance being legally required. Home insurance helps mitigate property loss during unfortunate events. Selecting the right insurance plan and managing risks are crucial to meet legal requirements and protect one’s rights. Additionally, it's important to consider the coverage for potential risks

Insurance · 07/18/2025

This article provides a comprehensive understanding of car and home insurance in the United States, highlighting their essential roles in protecting the rights of international students. It covers the types and necessity of car insurance, as well as the diverse options and importance of home insurance. The content explores various types and functions of insurance, and the considerations that policyholders should keep in mind when making choices, aiming to help international students effectively

Loans · 07/21/2025

In the U.S. home loan process, applying for pre-approval is a crucial step. It assesses the borrower's financial situation and provides proof of loan eligibility, helping buyers define their budget and enhance their competitiveness. Obtaining pre-approval can also effectively prevent negative impacts on credit scores. Understanding the validity period and renewal process of pre-approval aids homebuyers in successfully completing their transactions.

Loans · 07/18/2025

In the U.S., mortgage pre-approval is a crucial step when buying a home. During this process, borrowers provide personal information for an initial review by banks to determine loan eligibility and amount. Understanding the pre-approval process and its details can help buyers smoothly proceed with their home purchase, avoiding potential transaction failures due to loan issues. Acquiring essential mortgage knowledge enhances the home buying experience and ensures the best loan conditions and

Loans · 07/23/2025

This article provides a comprehensive analysis of essential information that homebuyers need to know when obtaining a mortgage, including types of mortgages, calculation methods, application processes, and strategies for choosing institutions. It offers practical guidance on acquiring loans for prospective homeowners.

Insurance · 07/21/2025

The high cost of healthcare in the United States makes it crucial for F1 visa students to select appropriate health insurance. This article discusses the types of health insurance available, the process of visiting doctors, the use of emergency rooms, and the coverage of dental insurance. It emphasizes the importance of understanding insurance details so that students can effectively manage medical expenses and receive timely medical services during their stay in the US.

Loans · 07/24/2025

This article provides a detailed guide for international students purchasing cars in the United States. It covers key points on loan applications, car selection, and purchase procedures, helping students successfully navigate the car buying process and ensure they are legally able to drive.

Apartment Rental · 07/17/2025

This article provides the latest moving and mailing guide, detailing the services, pricing standards, and transportation comparisons of the three major courier companies in the U.S.: USPS, UPS, and FedEx. It offers a comprehensive analysis of the pros and cons of various couriers, helping readers make informed decisions when mailing, save costs, and enjoy efficient services.

Insurance · 07/17/2025

This article introduces the basics of home insurance in the United States, including the necessity of insurance, key coverage details, and common types of insurance, with a particular recommendation for international students to choose HO-3 type comprehensive coverage. By understanding the details and applicability of the insurance, it helps international students enjoy a safer and worry-free life in the U.S.

Finance · 08/26/2025

This article delves into the key factors influencing US mortgage interest rates, including macroeconomics, inflation, and Federal Reserve policy. In the face of an uncertain market environment, potential homebuyers are advised to closely monitor economic data and policy changes, compare loan terms from different lenders, and develop a reasonable home buying budget based on their financial situation. Home buying decisions should be made cautiously, and consulting with professionals is recommended.

Loans · 07/18/2025

Having a good credit history is crucial when buying a home in the U.S. However, even with poor credit, homeownership is still possible. By understanding the components of credit scores and their influencing factors, and utilizing various options like government loan programs, unsecured loans, payment plans, and subprime loans, buyers can overcome credit barriers and achieve their property dreams. This article provides a comprehensive home buying guide to help you find a way through adversity.

Education · 09/18/2020

Since 2020, U.S. universities such as UC and CSU have suspended the mandatory standardized testing requirements due to the pandemic, adjusting their admissions policies to attract students in a more flexible manner. The new policies place greater emphasis on students' regular academic performance and extracurricular activities, providing more opportunities for international students.

Taxation · 08/26/2025

Buying property in the US requires careful planning. This guide focuses on crucial aspects like new home inspection, property taxes, mortgages, and international money transfers, offering practical tips to avoid common pitfalls and help you settle successfully. We also share resources for finding rental and for-sale properties, along with advice on choosing areas with high property value retention. Navigate the US real estate market with confidence and make informed decisions for a smooth home-buying experience.

Apartment Rental · 08/04/2025

This article reveals the implications of real estate tax in the United States and its impact on home buyers. It analyzes potential tax burdens that may arise during the home buying process and the risks associated with loan applications. Additionally, it offers advice on selecting information platforms and making reasonable remittances, providing crucial references for home buyers.