Janna Herron

Janna is a former Senior Writer at ValuePenguin covering banking, credit cards and credit scores. She has spent more than a decade writing and reporting on personal finance, real estate and business, and has received three journalism awards for her work.

Government to Guarantee Free Credit Freezes For Everyone

The federal bill will allow Americans to freeze and unfreeze their credit reports for free. Here's how it could protect you from identity...

What You Need to Know About Jumbo Mortgages

If you're buying a high-priced house, you may need a jumbo mortgage. Here's what you need to know about these specific home loans.

Why You Should (Or Shouldn’t) Have a Mortgage in Retirement

Having a mortgage in retirement can actually be a savvy money move, depending on your finances. Here's when it makes sense and when it...

3 Mortgages to Finance Renovations for Your Fixer-Upper

Many homebuyers must compromise on their dream home and instead take the affordable house as-is. If that's you, consider these three...

No Down Payment, No Problem: How to Get a Mortgage With Low Savings

Many homebuyers find it's hard to come up with a 20% down payment. Here are options if you have far less than that—or even nothing.

No Signature Needed: How Credit Card Transactions Are Changing

The credit card evolution from magnetic strip to EMV chip hit yet another milestone. Starting this week, stores and restaurants no longer...

How Much Home Can You Afford?

Conventional personal finance wisdom says you shouldn't spend more than 30% of your income on housing. Here's what that means when it comes...

Will Amazon Step Into Cheap Checking?

News that Amazon is looking to partner with a bank to provide checking accounts may revive free or low-cost banking options. Here's what it...

6 Credit Card Tips For Your Spring Break Travel

The official start of spring is around the corner, and it’s the season for college students and families to take weeklong beach vacations,...

Invested in Bitcoin? You May Owe the IRS Money You Don't Have

Some cryptocurrency investors are stuck with a huge capital gains tax bill they can't pay because of losses this year. Here's how to deal...

Why It’s Now Harder to Get a Mortgage With a Small Down Payment

Changes to private mortgage insurance could make it harder for first-time homebuyers to qualify for a mortgage if they put down less than...

Do Credit Card Rewards, Points and Miles Expire?

Points or miles you earn with a regular rewards credit card largely don’t expire, but they can be lost on co-branded hotel and airlines...

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