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Emily Guy Birken

Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson. Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online. She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy. Emily lives in Milwaukee with her family.

What is the difference between a home's appraised value and market value?

A home’s appraised value and market value don’t always align, and a sale can be difficult if the two numbers are different. Learn how these values affect you.

7 days ago
House deed: Definition, types, and how to get one

A house deed is a physical document stating you are the owner when you buy a home. Learn what information is on a deed and how to get the deed to your house.

9 days ago
What to expect at the final walk-through before closing on a house

The final walk-through before closing gives you the chance to check the appliances, plumbing, and any requested repairs. Here’s what to include on your checklist.

16 days ago
Interest-only HELOC: How payments are calculated

An interest-only HELOC only requires you to pay interest during the draw period. Learn how an interest-only HELOC works and whether it’s the right fit for you.

21 days ago
Yes, you can refinance a HELOC — here's how

Refinancing a home equity line of credit is possible, and the best time to do so is before the draw period ends. Here are your options for refinancing a HELOC.

22 days ago
Mortgage Loan Estimate: How it works and how to read it

A Loan Estimate is a document a lender gives you after you’ve applied for a mortgage, explaining the potential terms and costs. Learn how to read a Loan Estimate.

last month
What documents do I need for mortgage loan preapproval?

When you apply for mortgage preapproval, you need documents showing your identity, income, assets, and debts. Learn how to prepare for a preapproval application.

last month
What to expect when facing foreclosure

Foreclosure is the process of your lender repossessing your home when you default on payments. Learn how the foreclosure process works and how to avoid it.

last month
Cash to close: What you'll owe on closing day

Cash to close is the total amount you owe on closing day, including your closing costs, down payment, and other fees. Learn how to calculate your cash to close.

last month
What is a VA construction loan, and how does it work?

Active military members and veterans can finance the construction of their homes with VA construction loans. Find out if you qualify for a VA construction loan.

last month
How a property title search works when buying a house

A title search ensures the current homeowner has the legal right to sell the property to a buyer. Learn what to expect with a title search.

2 months ago
How does an energy-efficient mortgage work?

An energy-efficient mortgage lets you roll the cost of energy-saving home improvements into your mortgage when you buy or refinance. Find out how EEMs work.

2 months ago
Does refinancing a mortgage hurt your credit?

Refinancing a mortgage hurts your credit, but the effects are usually small and go away quickly. Learn how to prepare for a refinance to affect your credit.

3 months ago
How does inflation affect mortgage rates?

Learn how inflation and the latest inflation report affect mortgage rates. By watching inflation, you’ll be prepared for where interest rates are headed.

3 months ago
4 types of home renovation loans and how to choose

Home renovation loans come in all forms, from second mortgages to personal loans. Learn about your options to decide which home remodel loan is best for you.

3 months ago
VA loan vs. conventional loan: Which is right for you?

VA and conventional loans have different credit score, down payment, and property requirements. Learn if you should get a VA loan versus a conventional loan.

4 months ago
What are the requirements for an FHA loan in 2025?

FHA loans have requirements regarding the credit score, DTI ratio, and down payment you need to qualify. Find out if you’re eligible for an FHA home loan.

4 months ago
Which is more important, your interest rate or house price?

Which will save you more money: a lower mortgage interest rate or house price? Learn how the two affect each other and which to prioritize when buying a home.

4 months ago
Land loans: How they work and how to qualify

Land loans are used to buy lots where you can build a home. Land loan rates are usually higher than regular mortgage rates. Learn how to get a loan to buy land.

4 months ago
Non-QM loans: How a non-qualified mortgage can help you buy a home

Non-QM loans are mortgages that don’t follow CFPB rules for standard home loans. You may like a non-QM loan if you’re self-employed or have a bad credit history.

4 months ago

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Most Recent

What is the difference between a home's appraised value and market value?

House deed: Definition, types, and how to get one

What to expect at the final walk-through before closing on a house

Interest-only HELOC: How payments are calculated

Yes, you can refinance a HELOC — here's how

Mortgage Loan Estimate: How it works and how to read it

What documents do I need for mortgage loan preapproval?

What to expect when facing foreclosure

Cash to close: What you'll owe on closing day

What is a VA construction loan, and how does it work?

How a property title search works when buying a house

How does an energy-efficient mortgage work?

Does refinancing a mortgage hurt your credit?

How does inflation affect mortgage rates?

4 types of home renovation loans and how to choose

VA loan vs. conventional loan: Which is right for you?

What are the requirements for an FHA loan in 2025?

Which is more important, your interest rate or house price?

Land loans: How they work and how to qualify

Non-QM loans: How a non-qualified mortgage can help you buy a home