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Insurance Commissioner Jon Godfread says the bill seeks to improve ‘people’s dollars’ in North Dakota

It is a nod to the growing support of a bill that, if passed, will make it possible to invest Legacy dollars in infrastructure projects and provide capital to state-owned enterprises. Perhaps no one is more excited than Jon Godfread, the State Insurance Commissioner and member of the State Investment Board, a longtime spokesman for investing money here at home. At present, most older investments are made out of state. In December Godfread discussed Legacy Fund investment opportunities during a meeting with the Grand Forks Heralds editorial staff. That was before the opening of the Legislative Assembly in 2021. House…

Mortgage Refinancing: Everything You Need To Know

With interest rates falling sharply, this is a good time to refinance a mortgage. Just be sure to take the right steps. (iStock)Mortgage rates are going down when the nation starts the long haul back to normalcy as the coronavirus pandemic subsides.That's good news for us homeowners who want to refinance their mortgage and save money on their monthly home payments.If you are planning to refinance your mortgage now or in the near future, read on to see everything you need to know.What are refinancing loans today?In the last week of May 30-year fixed mortgage rates fell to just over…

Can you refinance a mortgage while you are indulgent?

Your indulgence may affect your ability to borrow money, but it probably will not if you are only indulgent due to the coronavirus pandemic. (iStock)On March 27, 2020, the federal government approved the Coronavirus Aid, Relief and Economic Security (CARES) Act, a $ 2 trillion aid package aimed at providing immediate assistance to families, small businesses, workers and homeowners.Millions of homeowners have taken advantage of CARES compliance. Concept mortgage indulgence refers to a repayment plan that allows homeowners to lower or pause mortgage deeds for a specified period of time. Lenders typically give you indulgence if you suffer an injury…

4 reasons why retirees need to refinance their mortgage right now

Before you refinance your home as a retiree, be sure to run the numbers. (iStock)As mortgage rates remain sitting record low, more choosing to refinance their current home loan to save money. These record lows, thanks to measures taken by the Federal Reserve as a precaution against the effects of the coronavirus pandemic, could potentially help homeowners save thousands of dollars. If you are retired and still owe money in your home, you may be wondering if refinancing is a smart financial move.Before you make any decisions, we have put together a list of four things you need to think…

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