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TJ Porter

Contributing writer

TJ Porter has ten years of experience as a personal finance writer covering investing, banking, credit, and more.

TJ's interest in personal finance began as he looked for ways to stretch his own dollars through deals or reward points. In all of his writing, TJ aims to provide easy to understand and actionable content that can help readers make financial choices that work for them.

When he's not writing about finance, TJ enjoys games (of the video and board variety), cooking and reading.

Expertise

Personal Finance

Real Estate

Education

Bachelors in Business Administration from Northeastern University

Recent Articles

A family having a meal in their backyard.

7-minute read

What is a conventional loan?

A conventional loan is a non-government-backed home mortgage. Learn more about down payment requirements, getting approved, and more.

Man standing outside of garage with motorcycle.

5-minute read

Debt-to-income ratio (DTI): What is it and how is it calculated?

Your debt-to-income ratio measures the difference between your obligations and your income. Learn how to calculate DTI and what it means for mortgages.

A stylish young man with tattoo sleeves working on a computer.

5-minute read

What is the prime rate and how does it work?

The prime rate is a desirable borrowing interest rate offered by lenders to creditworthy applicants. Here’s what mortgage applicants need to know.

A newly built tan home surrounded by trees, showcasing a newly constructed property.

5-minute read

What is the average square footage of a house?

Knowing the average square footage of houses can help you understand how much house you can afford. Here’s what you need to know about average house sizes...

A woman standing in front of a window, engrossed in her phone.

8-minute read

What are mortgage points and should you buy them?

Mortgage discount points can be purchased to lower the interest rate on a new loan. Use this guide to help you decide if you should buy them.

Mother in kitchen cooking while father feeds child in high chair in dining room.

6-minute read

15-year vs. 30-year mortgage comparison

A 15-year mortgage is paid over 15 years, while a 30-year mortgage is paid over 30 years. Understand the pros and cons of both loan terms.

A man sitting on a chair with his dog in front of a laptop, working comfortably from home.

10-minute read

What is a short sale in real estate? A guide to the process

A short sale may be a solution when a homeowner is in a dire financial situation and needs to sell their home for less than they owe. Learn about this option.

A dad walking with his son on a sidewalk.

5-minute read

How to build equity in a home

Building equity in a home strengthens your asset and may give you access to cash. Read about the ways you can build equity in your home.

Woman with son and large, orange cat on couch.

7-minute read

15- vs. 20- vs. 30-year mortgage: Which is best?

Your mortgage term will influence how much you pay in interest, your monthly payment, and more. Compare common loan terms before you apply for financing.