• used cell phone nola

    Should You Buy A Used Cell Phone?

    3 Min Read

    The only thing better than a brand-new cell phone is a used one. Why is that? Because of the money you could possibly save.

    In this article, we’ll consider some reasons why buying a used cell phone makes sense.

    Should I Buy A Used Cell Phone?

    Whether or not you should buy a used cell phone depends on a variety of factors, such as your budget, the condition of the phone, if you know how to operate it and your personal preferences.

    Here are some things to consider:

    Cost

    Used cell phones are generally cheaper than new ones. If you are on a tight budget and can’t afford to buy a new phone, a used phone might be a good option.

    What Should I Pay For A Used Cell Phone?

    Prices for used cell phones vary based on how old they are and the brand. Here are some used cell phones for sale online.

    TCL 10L, Unlocked Android Smartphone 256GB

    Buy: $249

    Apple iPhone XR, 64GB, Black – Fully Unlocked (Renewed)

    Buy: $217

    Apple iPhone 8 Plus, Fully Unlocked, 256 GB – Space Gray (Renewed)

    Buy: $230

    it’s true that nothing beats shopping in person. If you want to visit a store in person to buy a phone, you can do that too.

    Condition

    Make sure to inspect the phone thoroughly before purchasing. Look for any visible damage, such as cracks, scratches, or dents. Check if all the buttons and features are working properly. Also, check the battery health and any water damage indicators.

    Warranty

    Most used phones do not come with a warranty, which means that if something goes wrong with the phone, you’ll be responsible for the repair costs. Some sellers may offer a limited warranty or return policy, so make sure to ask about that.

    Software Updates

    Older phones may not be compatible with the latest operating system updates, so you may not have access to all the latest features and apps.

    Security

    Make sure to reset the phone to its factory settings before using it. Check for any suspicious apps or files, and be aware that the phone may have been compromised with malware or spyware.

    Final Word

    In general, buying a used cell phone can be a good option if you do your research and make an informed decision. Just make sure to check the condition, warranty, and security of the phone before making a purchase. Read our guide on where to find used phones in New Orleans.

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  • Best women's summer sandals

    Here Are The Best Women’s Sandals For 2023

    1 Min Read

    What you put on your feet is very important. When it comes to women’s shoes and sandals, comfort is the key to happiness. And who doesn’t like cute sandals on their feet?

    This article will show you some of the best sandals for your feet this season.

    What Makes For Some Comfortable Sandals?

    The most comfortable sandals have a combination or one of the following qualities:

    • Arch support
    • Secure footing
    • They’re cute!

    On a serious note, you’ll want to make sure your sandals fit you well. Pay close attention to the size you’re ordering so that there won’t be any problems there.

    Here Are Some Great Sandals For Walking

    We’ve researched some of the best deals on sandals right now and listed them below.

    Steve Madden Women’s Dina Flat Sandal

    Buy Here

    Gladiator Sandals

    Buy Here

    Open Toe Knee High Sandals

    Buy Here

    Summer Flat Strappy Lace-Ups

    Buy Here

    Toe Ring Summer Sandals

    Buy here

    Black Zipper Gladiator Vamp Sandals

    Buy Here

    Final Word

    High fashion is more than a buzzword, it’s a portal you tap into when you look and feel your best. These sandals are what you wear on your feet to get there.

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  • Big Freedia to open hotel in New Orleans

    Big Freedia To Open New Orleans Nightclub And Hotel

    2 Min Read

    Bounce music icon Big Freedia is planning to open a hotel in her hometown of New Orleans, the singer recently confirmed. While it’s not really a New Orleans hotel, the Freedia Hotel will consist of about five rooms and serve as a nightclub and entertainment space that serves food and drink.

    Big Freedia has her eyes set on an opening around 2024 just in time for Mardi Gras.

    Big Freedia Opening Hotel / Club In New Orleans

    Construction workers are set to break ground on the project this spring, according to Nola.com.

    “This dream of mine has been in the works for a long time, I’ll be one of the first black hotel owners in New Orleans,” Freedia posted on social media. “Will keep y’all posted on the official opening date, can’t wait to see y’all at Hotel Freedia.”

    Where Will Big Freedia’s Hotel Be Located?

    Details are still being worked out, but it looks like Freedia’s hotel will be located on Decatur and Frenchmen streets in the city’s Faubourg Marigny neighborhood.

    Final Word

    If you plan on visiting the city for New Orleans, you should know that the area you’re staying in is safe.

    Expect to indulge in many foods that New Orleans is known For, including Gumbo, Beignets and more.

    Read about things to see and do in New Orleans.

    More From NolaFi.com:

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  • How to rent an apartment in New Orleans

    How To Rent An Apartment In New Orleans

    5 Min Read

    The average rent in New Orleans, Louisiana is $1,339, according to a RentCafe report. But price is not the only thing you should consider when you begin shopping for a place to rent.

    In this article, I’m going to go over what you need to know to rent in New Orleans.

    Here’s How To Rent An Apartment In New Orleans

    If you want to rent an apartment in New Orleans and don’t know where to start, here are the steps:

    First thing you need to do before you rent an apartment in New Orleans is find one that fits your needs. To do that, you can use a number of online services to help find a place:

    If you don’t already know the specific areas of town  like Uptown, the Garden District or Elysian Fields. Join NextDoor or Facebook Groups to get a feel for the areas that you want to live in.

    Midtown New Orleans apartments have gone up 6% over the past year, according to the report mentioned above. The average square footage for a place? 893 feet.

    Once you make a list of New Orleans apartments you want to check out from one of the services above, you can begin to make appointments to visit.

    You’ll want to pay special attention to the amenities that each apartment offers. You may put a big emphasis on on-site laundry facilities, a pool, a courtyard, lounge and other things.

    1. Get Your Finances Together

    Before you begin to schedule visits, you need to have your financials in order. Landlords don’t just let you move in, you’ll need a credit check. The idea behind this is that you have to show income stability.

    Get a free credit report at annualcreditreport.com, the only authorized website for free credit reports from the three major credit bureaus Equifax, Experian and TransUnion.

    When you get the credit reports, go over them with a finetooth comb to make sure they’re accurate.

    If you see a discrepancy on your credit report, here’s how to dispute it:

    Not only will you need to have your first and last month’s rent in your account (as we’ll get into), but you’ll need to have more money on hand for some incidentals.

    2. Visit The Apartment

    When you visit the apartment, make sure you the age of the building and style is to your liking. Feel the walls so that you can gauge whether they’re thin and well built.

    Look out for loud neighbors and other things that may affect your ability to have a good night’s rest.

    If you like what you see, make an offer.

    3. Negotiate Your Rent

    You don’t have to accept what the landlord offers. See if you can negotiate. If you sign a two-year lease rather than one year, you may be able to get a better deal. You won’t know what’s capable until you ask.

    If the leasing agent can’t make any concessions, see if you can get the hookup on parking or a one-month discount in lieu of a move-in special.

    4.  Sign The Lease Contract

    When you sign the lease, you may need to have a list of references. These should be people you’ve contacted ahead of time who will have only good things to say about you.

    Their input will be what decides your worthiness.

    Before you sign your lease, you need to know what to expect as far as charges and fees. Here are some of the charges you may be asked to pay:

    • Rental application fee
    • Security deposit
    • Last month’s rent
    • Move-in fee or finders fee

    Depending on where you rent your place and your specific circumstances, you may also be asked to pay a pet fee or even parking space fee.

    Once you pay what you owe, your landlord or leasing agent will hand over the keys to your new apartment. Remember to keep it down and always be considerate of your neighbors.

    What if you have bad credit?

    How To Rent An Apartment With Bad Credit

    The first thing you need to do is look for apartments that don’t do credit checks on potential tenants.

    You’re also going to want to entice the landlord by offering to pay more upfront or even every month.

    So, to recap, if you have bad credit, the way to rent an apartment is:

    • Find apartments with no credit checks
    • Offer to pay more upfront
    • Negotiate for other amenities you want

    You might also want to offer to fix small things so that you build up a good relationship with the landlord. This can be very valuable when it’s time to renew your lease, if you choose to do so.

    Final Word

    Renting an apartment takes some time and effort on your part, but it can be done. Look at the bright side: Once you get a comfortable and safe place, you will never regret it.

    New Orleans is one of those cities that you can get lost in once you take the time to explore it. As the former capital of Louisiana, New Orleans is one of the most eclectic and eccentric cities in the world.

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  • Here are the best places to buy eyeglasses in New Orleans

    Best Places To Buy Eyeglasses In New Orleans

    6 Min Read

    Being able to see is vastly underrated, or at least, when you get older it is. Sooner or later, there comes a time when you need some good glasses. New Orleans has some great optical options for you regardless of your age or style.

    This article will show some of the best eyeglass stores in New Orleans, Louisiana.

    First of all, let’s ask a very important question:

    How Much Can I Expect To Pay For Eyeglasses?

    Eyeglasses can be expensive depending on the prescription and design you need. For the most part, you can expect to pay anywhere from $150 to $600 for a pair of glasses.

    On average, you can expect to pay about $200 for some glasses.

    Table of Contents:

    Best Places To Buy Eyeglasses In New Orleans

    If you need some new glasses, you need to know where to go.

    Warby Parker

     3964 Magazine St, New Orleans, LA 70115

    Warby Parker has the best glasses in New Orelans

    Here’s what one customer says about Warby Parker: “The staff was so helpful and kind! They have a ton of frames and the staff helped me to get the perfect match for my face. And their prices are excellent!”

    Costco

    • 3900 Dublin St, New Orleans, LA 70118
    Best eyeglass store in New Orleans - Costco

    Costco has some of the best prices on glasses for those without insurance. They also accept most insurance plans.

    There Optical departments have a wide range of contact lenses, brand-name designer frames and sunglasses and offers the latest technology in high-definition lenses.

    What Is The Cost Of An Eye Exam Cost At Costco?

    An eye exam costs anywhere between $65 to $100 at Costco without insurance. The pricing depends on if you suffer from an eye condition or even if your eyes need to be dilated.

    Arts & Eyes

    3708 Magazine St, New Orleans, LA 70115

    Arts & Eyes is the best glasses store in New Orleans.

    For a smaller store with some great designs, Arts & Eyes is highly recommended for your eyewear needs.

    Here’s what one reviewer says about Arts & Eyes: “I have bought my glasses from art and eyes for years. Cant find a better glasses shop in the country. Even when I lived out of town – I came here. Best selection, unique, great customer service, and the lenses are the best!”

    Sam’s Club

    • 1527 Manhattan Blvd, Harvey, LA 70058
    • 3900 Airline Dr, Metairie, LA 70001
    • 455 31st St, Kenner, LA 70065
    • 947 12th St, Gretna, LA 70053
    • 181 Northshore Blvd, Slidell, LA 70460
    best eyeglass store in New Orleans - Sam's Club

    Sam’s Club’s Optical Center is known for being upfront with their prices. They also feature the Member’s Mark line of eyewear, starting at $79 for a complete pair. They have some decent options, too.

    How Much Is An Eye Exam At Sam’s Club?

    You can get an eye exam with the in-store optometrist at Sam’s Club starting at $50. The cost of an eye exam will vary though, based on your particular needs.

    For example, if you have a stigmatism, you can expect to pay close to $70.  Find a Sam’s Club near you to schedule an eye exam.

    Walmart

    • 1901 Tchoupitoulas St, New Orleans, LA 7013
    • 4301 Chef Menteur Hwy, New Orleans, LA 70126
    • 6000 Bullard Ave, New Orleans, LA 70128
    • 4001 Behrman Pl, New Orleans, LA 70114
    best eyeglass stores in New Orleans - Walmart

    Walmart’s Vision & Glasses store makes it easy because they have so many locations. Just pop inside your local Walmart and many of them have eyeglass stores.

    Here’s what one reviewer says about Walmart Vison & Glasses Center at Howell Mill: “Called and spoke with Alison Jenkins, she was extremely helpful and went out of her way to assist me and answer all my questions!”

    Can You Get Glasses the Same Day at Walmart?

    It will take three to seven days for prescription glasses to come in, according to Walmart.

    For example, if you order glasses on a Monday, you can expect them to be ready anywhere from Thursday to the following Monday (you might as well not count the weekend).

    How Much Is an Eye Exam at Walmart?

    A basic exam starts at $79. For contact lens exam, it will be around $139.

    America’s Best

    • 3050 Holiday Dr, New Orleans, LA 70131
    best eyeglass stores in New Orleans - America's Best

    America’s Best has an extensive collection of eyeglasses and operates with assembly line efficiency. Because of that, you may find it difficult to get the unique attention you deserve.

    Can You Get Your Glasses The Same Day At America’s Best?

    America’s Best allows for glasses to be ready in  seven to 10 business days, the retailer says.

    Does America’s Best Accept Insurance?

    America’s Best accepts most insurance. Here are the major insurers that America’s Best accepts:

    • Community Eye Care
    • Davis Vision
    • EyeMed
    • Humana
    • Heritage
    • MetLife
    • NVA
    • UnitedHealthcare

    LensCrafters

    3301 Veterans Memorial Blvd Spc 79B, Metairie, LA 70002

    Best eyeglass stores in New Orleans - Lenscrafters

    LensCrafters has a wide array of different frames and lens that make it a top place to get eyeglasses in New Orleans. Like many Lenscrafters locations, if you have a basic problem with your frames, they will try to fix them for free.

    Most Lenscrafters also offer on-site exams, which is very convenient.

    How Much Does An Eye Exam Cost At LensCrafters?

    If you don’t have insurance, you can expect to pay about $70 to $90 at Lenscrafters. If you have insurance, expect about a %10-15% discount off that price range.

    Here’s what one customer says about LensCrafters: “It is an easy process. There was a nice selection to go through and everyone was patient with me while I was searching for glasses. I feel I found the right deal for myself.”

    Versace Women’s VE3175 Eyeglasses

    Buy

    If you know your size, you actually shop for eyeglasses online. Here are our favorites:

    Final Word

    If you’re looking for a good place to buy eyewear, New Orleans has some options you’ll love. The stores here offer a variety of styles and lenses that can help you see with no issues whatsoever.

    No matter if you need reading glasses or bifocal prescriptions, you can find what you need in New Orleans. Always try the glasses on so you know how they fit.

    And don’t get caught up in brand names. Go with glasses that fit your particular face and style.

    Here’s another tip: Always call the eyeglass store before hand to see what type of insurance they have or if they accept insurance at all.

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  • Waffle Time opens in New Orleans' Jackson Square.

    Waffle Time Opens At Jackson Square

    1 Min Read

    If you love waffles, you’re going to love these recently opened food spot: Waffle Time. Situated near New Orleans’ most tourist-friendly landmarks, we predict waffles are going to be very popular.

    A popular ice cream shop, Waffle Time is owned by Johnny Que, who began franchising the business in 2004. The food spot has also ventured beyond ice cream cones, including Crêpes, Ice Rolls and Fruit Salads.

    Where Is Waffle Time Located?

    Waffle Time is located at 521 Saint Ann St New Orleans LA 70116. Here’s a map to help you find it.

    Final Word

    If you plan on visiting the city for New Orleans, you should know that the area you’re staying in is safe.

    Expect to indulge in many foods that New Orleans is known For, including Gumbo, Beignets and more.

    Read about things to see and do in New Orleans.

    More From NolaFi.com:

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  • How to get free government money

    How To Get Money From The Government

    3 Min Read

    If you’re looking to get funded for an idea, project or company, one of the easiest ways to do that is to get money from the government.

    The U.S. government awards tens of millions of dollars a year to Americans who apply and get accepted for loan and grant programs. Could you be the next awardee? Read on to find out how it works.

    How To Get Government Money

    In this article, we’re going to tell you how to get money from the government via loans and grants.

    Here Are the Best Grant Sites For Free Money

    How Do You Borrow Money From The Government?

    The way to get money from the government is to apply at the official federal website GovLoans.gov. This is a great resource that not only allows you to apply for loans but provides free information on how to fill out application forms and see monetary opportunities.

    GovLoans.gov has several categories that you can find loans in, including:

    • Agriculture
    • Anti-Violence Efforts
    • Anti-Hunger Efforts
    • Business
    • Disaster Relief
    • Education Efforts
    • Housing
    • Military Assistance and more.

    Instead of a loan, it’s best to see if you can get a grant, although you may only qualify for a free loan.

    What Is A Free Loan?

    A free loan is an arrangement that gives you money that you don’t have to pay back. The government may call it different things, primarily a grant.

    With a free loan, once you’re approved you won’t have to worry about paying interest or even an origination fee like most loans. That’s why it’s called a free loan.

    What Is The Easiest Government Loan To Get?

    The easiest loan to get is a student loan. Of the two most common students loans, the most popular is the Direct Loan, which is easy to qualify.

    The loans typically give you a 10-year grace period before you begin to pay for the loan, if you can’t get it forgiven by the government.

    Final Word

    Although the information is free to research, getting approved for.a government grant or loan is difficult in most cases. It takes a lot of time to complete the applications and you have to fit stringent requirements, but you can do it.

    If you have a good proposal you can get free money from the government.

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  • New Orleans food destination

    Report: New Orleans A Top Food Destination

    2 Min Read

    New Orleans has been ranked as the top food city in America, according to the latest rankings from TripAdvisor. Of course, this comes as no surprise to city residents and visitors.

    The travel review site’s Traveler’s Choice Awards listed the Big Easy as #9 globally when it came to its cuisine. Here are the global rankings:

    New Orleans Food Ranks Among World’s Best

    • Rome, Italy
    • Crete, Greece
    • Hanoi, Vietnam
    • Florence, Italy
    • Paris, France
    • Barcelona, Spain
    • Lisbon, Portugal
    • Naples, Italy
    • New Orleans, LA
    • Charleston, SC

    What Is The Most Famous Dish In New Orleans?

    Perhaps the most famous dish in New Orleans is gumbo. This South Louisiana stew has origins from several international places, but it’s authentically Nola in every way.

    You can get gumbo in several ways, too, like chicken, turkey and of course, seafood. Read our guide on the best gumbo in New Orleans.

    If you’re the type of person that doesn’t get out much, you’re missing out on the city’s top-notch cuisine. You can get your food to go or even delivered to you in most cases.

    New Orleans is not only a world-class city, but a cultural centerpiece of the Southeast, from restaurants to its parks, the city stands out as a place to visit and live.

    New Orleans cuisine stands on its own when it comes to good food, service and a memorable dining experience.

    Remember that waiters and waitresses across the industry make less than $3 a day unless they receive tips, so please show your gratitude for your service.

    Final Bite

    If you plan on visiting the city for New Orleans, you should know that the area you’re staying in is safe.

    Expect to indulge in many foods that New Orleans is known For, including Gumbo, Beignets and more.

    Read about things to see and do in New Orleans.

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  • Best cheap things to do in New Orleans

    10 Budget-Friendly Things To Do In New Orleans

    6 Min Read

    New Orleans can be an expensive city, but it when it comes to finding fun things to do, it doesn’t have to be. You can “ball” on a budget here.

    This article will tell you some of the very best things you can do in New Orleans for absolutely free or cheap.

    How Much Spending Money Do You Need In New Orleans?

    If you’re planning on visiting New Orleans, don’t think you have to spend a lot of money. The truth is you can get by on a very modest amount.

    You should plan to spend around $191 per day on your vacation in New Orleans, which is the average daily price based on the expenses of other visitors. Past travelers have spent, on average, $36 on meals for one day and $41 on local transportation. Also, the average hotel price in New Orleans for a couple is $200.

    The Best Free Or Cheap Things To Do In New Orleans

    Check Out The Library

    Photo by Luriko Yamaguchi: https://www.pexels.com/photo/woman-leaning-on-bookshelf-2761017/

    You’d be surprised how romantic it could be to lose yourself among the thousands of books inside your local library. Why not pick a day and time and get together to read the best of Hemingway, Alice Walker and other great authors?

    Choose a branch of the New Orleans Public Library System.

    Check Out a Sports Game

    Best mother's day restaurants in New Orleans
    Photo by Jep Gambardella: https://www.pexels.com/photo/a-woman-in-orange-blouse-looking-at-her-date-5083581/

    The Saints and Pelicans are two of the hottest tickets in town. The only issue is that tickets for both are kind of expensive!

    What will you do? If you can’t get inside the game, don’t sweat it. Go to a sports bar instead. It will be much cheaper!

    Here are some great sports bars in New Orleans.

    Enjoy The Greenspace At Confetti Park

    451 Pelican Ave, New Orleans, LA 70114 |  (504) 658-3201

    Confetti Park in New Orleans is the best for picnics and playgrounds

    “Confetti park had a neighborhood vibe,” says one visitor, “with a welcoming atmosphere. an amazing brass band of youth, lead the music of the parade, while the dancing boy energetically lead us down the neighborhood’s streets. homemade floats, bikes, scooters and roller skates followed the music. wonderful time, and we are grateful for the experience.”

    Try Some Beignets At Café Du Monde

    • Riverwalk: 500 Port of New Orleans Pl #27, New Orleans, LA 70130 | (504) 218-7993
    • French Market: 800 Decatur St, New Orleans, LA 70116 | (504) 525-4544
    • City Park: 56 Dreyfous Dr, New Orleans, LA 70124 | (504) 766-0250
    Cafe Du Monde has the best beignets in New Orleans.

    Here’s what one reviewer says about Cafe Du Monde (French Market): “Yummy Yummy! It is worth the wait for this classic of New Orleans. No trip would be complete until you have powder all over yourself! There are multiple lines, so be sure to keep an eye out for the quickest one. Also note that seating is VERY limited, so I recommend you have someone scout tables while another waits in line if you plan on eating at a table.”

    Read the NolaFi.com Guide On Best Nola Beignets.

    Visit The National WWII Museum

    945 Magazine St, New Orleans, LA 70130 | (504) 528-1944

    WWII National Museum in New Orleans

    It goes without saying that the National WWII Museum holds many of the city’s secrets. Etched on the walls are the names of the proud war dead, heroes not only in New Orleans but across America.

    How Much Does The National WWII Museum Cost?
    Museum Pricing
    Visitors with Disabilities$19*
    WWII VeteransFREE
    MembersFREE
    Beyond All Boundaries$7

    Enjoy Some Live Music On Frenchmen Street

    532 Frenchmen St, New Orleans, LA 70116 | (504) 766-6193

    Blue Nile has the best live jazz in New Orleans.

    Frenchman Street is one of the places where you can enjoy a whole concert just from the curbside. Many musicians congregate there to play.

    One spot that you should definitely check out is Blue Nile.

    Here’s what one reviewer says about Blue Nile. “We loved the vibe and decor of The Blue Nile! The feel was so much better than the insane, frat party vibe on Bourbon Street. After a long day walking around exploring the French Quarter we stopped here for cocktails while listening to the Washboard Chaz Blues Trio. The band was rocking and had great energy and banter with the audience.

    “The cocktails are expensive ($15-20), but the fleur de lis cocktail was absolutely divine! (Grey Goose vodka, essence of peach & rosemary, elderflower, and tonic!) This place was the perfect experience to wrap up our first day in New Orleans. We’ll definitely be back again!”

    Here are some other live music spots in New Orleans.

    Take A Walk In City Park

    1 Palm Dr, New Orleans, LA 70124 | (504) 482-488

    City Park in New Orleans

    Here’s what one park lover says about City Park. “In our three-day visit we came here three times. Insanely gorgeous trees, so many activites to choose from . The Sculpture garden is a must-see. Would have loved to do the light up swan boat in the evening. We ended up visiting the art museum because it looked all enticing from the park. There isn’t enough time in one visit to enjoy it all. Bring bug spray and lots of water!”

    Want to know what places make for the best Instagram-worthy photos around the Crescent City? We’re going to show you.

    Shop Palace Market

    619 Frenchmen St, New Orleans, LA 70116

    Frenchmen market in New Orleans

    In addition to the great live music on Frenchmen, there’s a market that you can buy all types of wonderful arts and crafts. Find cheap bracelets and other jewelry that won’t bust your budget at Palace Market, which regularly hosts around 40 maker booths every night.

    Explore Bourbon Street

    Known for its wild bars, and red-light district vibes, Bourbon Street is one of those places you at least want to walk down in the early evening. If you can avoid the overzealous reveler, Bourbon Street is a must-visit to document the colorful charm of one of America’s oldest cities.

    Check Out Preservation Hall

    726 St Peter, New Orleans, LA 70116

    One of the most musically important sites in New Orleans, Preservation Hall seems to play a tune when you look at each wall.

    Preservation Hall is relatively cheap to enter. The cost is for General Admission tickets is $15 in advance. $20 at the door.

    Final Word

    Want to submit your New Orleans event? Do so here:

    [emefs_submit_event_form]

    One of the best things about New Orleans, Louisiana is the number of fun activities you can partake in for FREE! From exploring the markets to admiring the city’s many parks, there’s a lot to do for no-cost.

    New Orleans is more than your normal run-of-the-mill city; it is the cultural epicenter of the Southeast, from restaurants to its parks, the city stands out as a place to visit and live.

    Looking for something to do in the city? What To See And Do In New Orleans.

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  • How to get pre-approved for a mortgage in New Orleans

    How To Get Pre-Approved For A Mortgage In 2023

    4 Min Read

    Looking at the latest housing outlook, it’s easy to think buying a home is unattainable, but that’s not true at all.

    Getting pre-approved for a mortgage is the first step to homeownership in America. The process is quick and relatively painless — if done right.

    This article will tell you how to get pre-approved for a mortgage so that when it’s time to buy a home, you’re all set.

    Here’s How To Get Pre-Approved For A Mortgage

    You might be saying “why should I get pre-approved anyway?” Well, that’s the only way a lender can approve you for a mortgage.

    Keep reading to see how the process will be done and what you can do to be in the best position possible for getting a home.

    Why You Need To Get Pre-Approved For A Mortgage

    Shopping for a home without being pre-qualified for a mortgage is pretty much pointless. That’s why you need to get the process started by getting pre-approved.

    Lenders will only take you serious if you are pre-approved, which is why that is the first question they will typically ask before they spend time with you.

    The way the process works is by going through a mortgage pre-qualification and mortgage pre-approval.

    What Is A Mortgage Pre-Qualification?

    A mortgage pre-qualification is a quick process that involves the lender asking you a series of questions to gauge your readiness for purchasing a home.

    Lenders may typically inquire of your finances, your assets and any debts you have. After that, it’s time to pull your credit.

    What Is A Mortgage Pre-Approval?

    With a mortgage pre-approval, the lender pulls your credit to see how in debt you are as well as how much money you can borrow toward the purchase of a home.

    You’ll need a credit score above 600 to get the best rates.

    Here are some things you can do to make sure you’re ready to get pre-approved without issues.

    Contrary to popular belief, lender inquiries for pre-approved have no bearing on your credit score, so you won’t have to worry about your creditworthiness dropping.

    One thing you do want to do beforehand is make sure your credit is A-OK.

    Check Your Credit Report

    .You can check your report from each of the three credit bureaus online at AnnualCreditReport.com.

    Your credit history is one of the main things that lenders consider when it comes to determining whether you get pre-approved.

    What Documents Do You Need?

    When it’s time to get pre-approved, the lender will typically ask for a summary of your finances. This can be determined by collecting the following documents.

    • Personal ID
    • W-2 forms
    • Pay stub.
    • Tax returns
    • Bank statements

    How Long Does Pre-Approval Take?

    Although it sounds like a long process, pre-approval can be done relatively quickly. The key is to have all your ducks — documents — in a row.

    The good news is that you can actually get pre-qualified online with the major banks. All you have to do is fill out an online application with your respective financial institution.

    Final Word

    Getting pre-approved for a mortgage can be an exciting process, but you need to do it right so that there aren’t any problems. AS a reminder, keep all your documents together so that you have everything you need.

    After it’s all said and done, you should receive your pre-approval letter in about a week and a half. After that, you can begin your home search with confidence.

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