Headshot of Samantha Hawrylack

Sam Hawrylack

Contributing writer

Samantha Hawrylack is an SEO Strategist and Content Writer specializing in finance and real estate with seven years of experience in the industry. After earning her Bachelor's in Finance and Master's of Business Administration from West Chester University of Pennsylvania, she began her career holding Series 7 and 63 licenses at Vanguard, helping clients optimize their investments. In 2019, she transitioned to full-time entrepreneurship as the CEO and Founder of SJ Digital Solutions, a digital marketing agency focused on creating content that converts.
Samantha's unique background combines financial expertise with powerful digital marketing strategies, making her content both technically accurate and highly engaging for readers seeking mortgage, real estate, and personal finance guidance. Through her work with major financial institutions and real estate platforms, she has developed a talent for explaining complex financial concepts in accessible terms that empower readers to make informed decisions about home buying, mortgage options, and real estate investments.

Expertise

Mortgage
Personal Finance
Real Estate

Education

Bachelors of Science in Finance and Masters of Business Administration from West Chester University of Pennsylvania, previously Series 7 and 63 Certified

Recent Articles

Hands pressing a calculator and writing on a notepad, signifying financial calculations or planning.

6-minute read

How to refinance an FHA loan to a conventional loan

Refinancing from an FHA loan to a conventional one offers several benefits. Learn how to refinance from an FHA loan, as well as the pros and cons.

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Middle-aged man applying for a loan while sitting on couch.

5-minute read

Earnest money and VA loans: What you need to know

Discover the role of earnest money deposits with VA loans. Learn how earnest money affects your VA loan offer so you can make informed decisions when buying a h...

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Family with young kids snuggling on sunny beach together.

4-minute read

Average closing costs in California

Higher home prices in California mean you can expect to pay more in closing costs. Learn more about typical closing costs when buying a home in California.

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An illustration indicating hard money loans, suggesting loans secured by real estate property.

5-minute read

What is a hard money loan?

Hard money loans, unlike traditional loans, require a hard asset like real estate to secure. Learn about the pros and cons of hard money loans.

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Young couple looking out sliding glass doors to expansive wooded hills in their home, drinking coffee.

10-minute read

FHA loans in Virginia

FHA loans can help buyers afford a home in Virginia with a low down payment and less-than-perfect credit. Learn how FHA loans work and who's eligible.

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A woman in deep thought with a notebook in hand and resting her chin against a pen.

7-minute read

Should I choose a new lender for a home equity loan?

Yes, you can refinance with a new lender and you may benefit from doing so. Learn what you should consider before seeking refinancing opportunities.

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A family looking at a house possibly their own resident.

5-minute read

No-closing-cost mortgage: Does it make sense for you?

Closing costs can sometimes present a financial barrier for home buyers. In cases like these, applying for a no-closing-cost mortgage can potentially help.

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Florida suburb on a clear, sunny day.

4-minute read

Average closing costs in Florida

The average closing costs when buying a home in Florida are higher than the national average. Learn more about Florida closing costs and who pays them.

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A man reviewing paperwork at a laptop, possibly managing real estate or financial documents.

8-minute read

Mortgage loan terms: Pick the right one for your financial goals

A mortgage loan term is the time it takes a borrower to pay off their loan when making regular payments. Learn how to pick the right term for your goals.

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