Good Friends Meeting Needs

6 Ways to Handle Unexpected Vet Bills

In Central Oregon, we love our animals. Because of local ranches, we have lots of livestock, and we even have our Alpacas and Llamas. And our smaller friends, such as dogs and cats, they seem to be everywhere with their owners, even grocery stores and restaurants. Many local businesses cater to animals along with their […]

Achieving Dreams Meeting Needs

Calculate Your Debt-to-Income Ratio

It’s good to know how lenders determine if you’ll be able to afford your monthly payments comfortably, based on your income and other debts. Remember: Many lenders exceed these guidelines, particularly if you have no debt, good credit, or a large down payment when applying for a mortgage. Your debt-to-income ratio is one key factor. […]