{"componentChunkName":"component---src-templates-post-tsx","path":"/guide-to-choosing-a-heloc-lender-in-pennsylvania/","result":{"data":{"ghostPost":{"id":"Ghost__Post__6a79f76c8478e50001eb100a","title":"A Homeowner's Guide to Choosing a HELOC Lender in Pennsylvania","slug":"guide-to-choosing-a-heloc-lender-in-pennsylvania","featured":false,"feature_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2026/08/Choosing-a-HELOC-Lender-in-Pennsylvania.jpeg","excerpt":"Compare HELOC lenders in Pennsylvania and learn how to evaluate rates, fees, credit limits, repayment terms, and lender features.","custom_excerpt":"Compare HELOC lenders in Pennsylvania and learn how to evaluate rates, fees, credit limits, repayment terms, and lender features.","created_at_pretty":"10 August, 2026","published_at_pretty":"10 August, 2026","updated_at_pretty":"10 August, 2026","created_at":"2026-08-10T16:08:12.000+00:00","published_at":"2026-08-10T16:11:46.000+00:00","updated_at":"2026-08-10T16:11:46.000+00:00","meta_title":"A Homeowner's Guide to Choosing a HELOC Lender in Pennsylvania","meta_description":"Compare HELOC lenders in Pennsylvania and learn how to evaluate rates, fees, credit limits, repayment terms, and lender features.","og_description":null,"og_image":null,"og_title":null,"twitter_description":null,"twitter_image":null,"twitter_title":null,"authors":[{"name":"Alexandra Harper","slug":"alexandra","bio":null,"profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2025/01/AdobeStock_186401109.jpeg","twitter":null,"facebook":null,"website":null}],"primary_author":{"name":"Alexandra Harper","slug":"alexandra","bio":null,"profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2025/01/AdobeStock_186401109.jpeg","twitter":null,"facebook":null,"website":null},"primary_tag":null,"tags":[],"plaintext":"Disclaimer: This article is for general informational purposes only and does not\nconstitute financial, mortgage, lending, legal, tax, or professional advice.\nBecause a HELOC is secured by your home, review all loan terms carefully and\nconsider speaking with a qualified financial adviser, mortgage professional, or\nlegal professional before borrowing.\n\nTapping into your home equity can provide access to funds without taking out a\nnew mortgage. A home equity line of credit (HELOC) works a little like a\nrevolving credit line, so you can borrow as needed up to an approved limit.\nHowever, rates, fees, repayment terms and eligibility can vary considerably\nbetween lenders. Here’s what you need to know about a HELOC and how to find one\nthat fits your finances.\n\nWhat Is a HELOC?\nA HELOC allows you to borrow against the equity you have built in your home. You\ncan generally draw money as needed during a set period, with interest charged on\nthe amount you borrow rather than the entire credit limit.\n\n\nYour available equity is one of the factors lenders consider when deciding how\nmuch credit to extend. They may use a combined loan-to-value (CLTV) ratio, which\ncompares the total balance of loans secured\n[https://selling-guide.fanniemae.com/sel/b2-1.2-03/home-equity-combined-loan-value-hcltv-ratios] \nby your home, including your primary mortgage and any additional mortgages, with\nthe property's current market worth.\n\n\nUnlike a home equity loan, which typically provides a lump sum, a HELOC offers\nmore flexibility for expenses that may happen over time, such as renovations or\nother major costs. However, your house secures the line of credit, so\nunderstanding the repayment terms is important.\n\nHow to Choose a HELOC Lender in Pennsylvania\nBefore comparing individual lenders, look at the details that can affect the\noverall cost and flexibility of a HELOC.\n\nCompare Rates and Rate Structures\nLook outside of the advertised starting APR. Many HELOCs have variable rates,\nmeaning your payments can change as market rates move. Check how yours is\ncalculated and how often it can be adjusted.\n\nCheck Fees and Closing Costs\nApplication, origination, annual, appraisal and other fees can affect the cost\nof borrowing. A lender with a lower advertised rate may not necessarily have the\nlowest overall cost.\n\nReview Credit Limits and Repayment Terms\nConsider how much you can borrow, how long you can draw funds and what happens\nonce the draw period ends. A larger credit line isn't automatically better,\neither. Millennials have an average HELOC limit of $114,500 but use 53% of it\n[https://www.experian.com/blogs/ask-experian/research/home-equity-line-of-credit-study/]\n, compared with 33% utilization among baby boomers. The right limit depends on\nhow much you actually need and can comfortably repay.\n\nConsider Eligibility and Convenience\nLenders can have different requirements for credit, income, home equity and\ndebt-to-income ratios. You should also consider branch locations, online\napplications and digital account management, particularly if you prefer handling\nfinances remotely.\n\nWhich Lenders Offer HELOCs in Pennsylvania?\nIf you’re looking for the best fit for your needs, here are some of the best\nHELOC lenders in Pennsylvania.\n\n1. Members 1st Federal Credit Union: Best in Harrisburg\nMembers 1st Federal Credit Union\n[https://www.members1st.org/?utm_source=thinksaveretire&utm_medium=partnerships&utm_campaign=em-geo&utm_term=which-local-lenders-in-the-Harrisburg-area-offer-home-equity-lines-of-credit] \nis one of the best HELOC lenders in the Harrisburg area, offering up to 100% of\navailable equity on qualifying primary residences. Its 10-year draw period lets\nyou access funds as needed, with interest-only minimum payments during this\ntime.\n\nKey Features\n * Principal repayment begins after the draw period\n * Funds can be borrowed, repaid and borrowed again\n * Option to lock portions of your balance\n\n2. Fidelity Bank: Best in Scranton\nFidelity Bank [https://www.bankatfidelity.com/] serves homeowners in Scranton,\nWilkes-Barre and the Lehigh Valley. Its HELOC combines a 10-year draw period\nwith the option to convert some or all of your borrowed balance to a fixed\ninterest rate.\n\nKey Features\n * Fixed-rate conversion can last up to 20 years\n * Multiple repayment options\n * Funds can be used for varied personal expenses\n\n3. PNC Bank: Best in Pittsburgh\nPNC [https://www.pnc.com/]’s Choice HELOC lets you choose between variable and\nfixed rates and switch qualifying balances between the two during the draw\nperiod. You can also complete the initial application online and track its\nprogress digitally.\n\nKey Features\n * Fixed-rate locks can apply to part or all of a balance\n * Rate can be unlocked during the draw period\n * Online application and document upload\n\n4. Philadelphia Federal Credit Union: Best in Philadelphia\nPhiladelphia Federal Credit Union [https://www.pfcu.com/] (PFCU) offers a\nrevolving HELOC that allows you to access funds repeatedly as you repay the\nbalance. You can manage the line through checks, online and mobile banking or\nPFCU locations.\n\nKey Features\n * Introductory fixed rate followed by a variable rate\n * Available for properties in multiple states\n * Credit can replenish as the principal is paid\n\n5. Lehigh Valley Educators Credit Union: Best in Allentown\nLehigh Valley Educators Credit Union [https://www.lvecu.org/] provides HELOCs\nfor qualifying residential properties in Pennsylvania. You can borrow repeatedly\nwithout submitting a new application, while repaying only the amount you have\ndrawn.\n\nKey Features\n * Up to 85% of the property value\n * Available for owner-occupied and second homes\n * Less Stress Debt Protection available\n\nCriteria for the Best HELOC Lenders in Pennsylvania\nThe best lenders on this list were evaluated based on their availability, HELOC\nflexibility, repayment options, fees, accessibility and useful features for\nPennsylvania homeowners.\n\nFrequently Asked Questions\nGetting a HELOC is a major decision because you use your home as collateral.\nBelow are some commonly asked questions to help you make more informed choices.\n\nWhat should homeowners compare when choosing a HELOC lender?\nStart with the interest rate and how it can change, then compare fees, credit\nlimits, draw and repayment periods, eligibility requirements and\naccount-management options.\n\nWhat documents do you need to apply for a HELOC?\nLenders commonly ask for proof of income, mortgage information, homeowners\ninsurance details and information about your property’s value. Requirements can\nvary, so it’s helpful to review the lender’s application checklist before\napplying.\n\nIs a HELOC the same as a home equity loan?\nNo. A HELOC generally provides a revolving credit line that can be drawn as\nneeded, while a home equity loan typically provides a lump sum with a set\nrepayment structure.\n\nLet Your Equity Do Some Heavy Lifting\nThe right lender depends on more than a headline rate. Comparing fees, rate\nstructures, borrowing limits, repayment terms and accessibility can help\nPennsylvania homeowners find an option that suits their finances.","html":"<p><em><strong>Disclaimer: </strong>This article is for general informational purposes only and does not constitute financial, mortgage, lending, legal, tax, or professional advice. Because a HELOC is secured by your home, review all loan terms carefully and consider speaking with a qualified financial adviser, mortgage professional, or legal professional before borrowing.</em></p><p>Tapping into your home equity can provide access to funds without taking out a new mortgage. A home equity line of credit (HELOC) works a little like a revolving credit line, so you can borrow as needed up to an approved limit. However, rates, fees, repayment terms and eligibility can vary considerably between lenders. Here’s what you need to know about a HELOC and how to find one that fits your finances.</p><h2 id=\"what-is-a-heloc\"><strong>What Is a HELOC?</strong></h2><p>A HELOC allows you to borrow against the equity you have built in your home. You can generally draw money as needed during a set period, with interest charged on the amount you borrow rather than the entire credit limit.<br></p><p>Your available equity is one of the factors lenders consider when deciding how much credit to extend. They may use a combined loan-to-value (CLTV) ratio, which compares the <a href=\"https://selling-guide.fanniemae.com/sel/b2-1.2-03/home-equity-combined-loan-value-hcltv-ratios\">total balance of loans secured</a> by your home, including your primary mortgage and any additional mortgages, with the property's current market worth.<br></p><p>Unlike a home equity loan, which typically provides a lump sum, a HELOC offers more flexibility for expenses that may happen over time, such as renovations or other major costs. However, your house secures the line of credit, so understanding the repayment terms is important.</p><h2 id=\"how-to-choose-a-heloc-lender-in-pennsylvania\"><strong>How to Choose a HELOC Lender in Pennsylvania</strong></h2><p>Before comparing individual lenders, look at the details that can affect the overall cost and flexibility of a HELOC.</p><h3 id=\"compare-rates-and-rate-structures\"><strong>Compare Rates and Rate Structures</strong></h3><p>Look outside of the advertised starting APR. Many HELOCs have variable rates, meaning your payments can change as market rates move. Check how yours is calculated and how often it can be adjusted.</p><h3 id=\"check-fees-and-closing-costs\"><strong>Check Fees and Closing Costs</strong></h3><p>Application, origination, annual, appraisal and other fees can affect the cost of borrowing. A lender with a lower advertised rate may not necessarily have the lowest overall cost.</p><h3 id=\"review-credit-limits-and-repayment-terms\"><strong>Review Credit Limits and Repayment Terms</strong></h3><p>Consider how much you can borrow, how long you can draw funds and what happens once the draw period ends. A larger credit line isn't automatically better, either. Millennials have an average HELOC limit of <a href=\"https://www.experian.com/blogs/ask-experian/research/home-equity-line-of-credit-study/\">$114,500 but use 53% of it</a>, compared with 33% utilization among baby boomers. The right limit depends on how much you actually need and can comfortably repay.</p><h3 id=\"consider-eligibility-and-convenience\"><strong>Consider Eligibility and Convenience</strong></h3><p>Lenders can have different requirements for credit, income, home equity and debt-to-income ratios. You should also consider branch locations, online applications and digital account management, particularly if you prefer handling finances remotely.</p><h2 id=\"which-lenders-offer-helocs-in-pennsylvania\"><strong>Which Lenders Offer HELOCs in Pennsylvania?</strong></h2><p>If you’re looking for the best fit for your needs, here are some of the best HELOC lenders in Pennsylvania.</p><h3 id=\"1-members-1st-federal-credit-union-best-in-harrisburg\"><strong>1. Members 1st Federal Credit Union: Best in Harrisburg</strong></h3><p><a href=\"https://www.members1st.org/?utm_source=thinksaveretire&amp;utm_medium=partnerships&amp;utm_campaign=em-geo&amp;utm_term=which-local-lenders-in-the-Harrisburg-area-offer-home-equity-lines-of-credit\">Members 1st Federal Credit Union</a> is one of the best HELOC lenders in the Harrisburg area, offering up to 100% of available equity on qualifying primary residences. Its 10-year draw period lets you access funds as needed, with interest-only minimum payments during this time.</p><h4 id=\"key-features\"><strong>Key Features</strong></h4><ul><li>Principal repayment begins after the draw period</li><li>Funds can be borrowed, repaid and borrowed again</li><li>Option to lock portions of your balance</li></ul><h3 id=\"2-fidelity-bank-best-in-scranton\"><strong>2. Fidelity Bank: Best in Scranton</strong></h3><p><a href=\"https://www.bankatfidelity.com/\">Fidelity Bank</a> serves homeowners in Scranton, Wilkes-Barre and the Lehigh Valley. Its HELOC combines a 10-year draw period with the option to convert some or all of your borrowed balance to a fixed interest rate.</p><h4 id=\"key-features-1\"><strong>Key Features</strong></h4><ul><li>Fixed-rate conversion can last up to 20 years</li><li>Multiple repayment options</li><li>Funds can be used for varied personal expenses</li></ul><h3 id=\"3-pnc-bank-best-in-pittsburgh\"><strong>3. PNC Bank: Best in Pittsburgh</strong></h3><p><a href=\"https://www.pnc.com/\">PNC</a>’s Choice HELOC lets you choose between variable and fixed rates and switch qualifying balances between the two during the draw period. You can also complete the initial application online and track its progress digitally.</p><h4 id=\"key-features-2\"><strong>Key Features</strong></h4><ul><li>Fixed-rate locks can apply to part or all of a balance</li><li>Rate can be unlocked during the draw period</li><li>Online application and document upload</li></ul><h3 id=\"4-philadelphia-federal-credit-union-best-in-philadelphia\"><strong>4. Philadelphia Federal Credit Union: Best in Philadelphia</strong></h3><p><a href=\"https://www.pfcu.com/\">Philadelphia Federal Credit Union</a> (PFCU) offers a revolving HELOC that allows you to access funds repeatedly as you repay the balance. You can manage the line through checks, online and mobile banking or PFCU locations.</p><h4 id=\"key-features-3\"><strong>Key Features</strong></h4><ul><li>Introductory fixed rate followed by a variable rate</li><li>Available for properties in multiple states</li><li>Credit can replenish as the principal is paid</li></ul><h3 id=\"5-lehigh-valley-educators-credit-union-best-in-allentown\"><strong>5. Lehigh Valley Educators Credit Union: Best in Allentown</strong></h3><p><a href=\"https://www.lvecu.org/\">Lehigh Valley Educators Credit Union</a> provides HELOCs for qualifying residential properties in Pennsylvania. You can borrow repeatedly without submitting a new application, while repaying only the amount you have drawn.</p><h4 id=\"key-features-4\"><strong>Key Features</strong></h4><ul><li>Up to 85% of the property value</li><li>Available for owner-occupied and second homes</li><li>Less Stress Debt Protection available</li></ul><h2 id=\"criteria-for-the-best-heloc-lenders-in-pennsylvania\"><strong>Criteria for the Best HELOC Lenders in Pennsylvania</strong></h2><p>The best lenders on this list were evaluated based on their availability, HELOC flexibility, repayment options, fees, accessibility and useful features for Pennsylvania homeowners.</p><h2 id=\"frequently-asked-questions\"><strong>Frequently Asked Questions</strong></h2><p>Getting a HELOC is a major decision because you use your home as collateral. Below are some commonly asked questions to help you make more informed choices.</p><h3 id=\"what-should-homeowners-compare-when-choosing-a-heloc-lender\"><strong>What should homeowners compare when choosing a HELOC lender?</strong></h3><p>Start with the interest rate and how it can change, then compare fees, credit limits, draw and repayment periods, eligibility requirements and account-management options.</p><h3 id=\"what-documents-do-you-need-to-apply-for-a-heloc\"><strong>What documents do you need to apply for a HELOC?</strong></h3><p>Lenders commonly ask for proof of income, mortgage information, homeowners insurance details and information about your property’s value. Requirements can vary, so it’s helpful to review the lender’s application checklist before applying.</p><h3 id=\"is-a-heloc-the-same-as-a-home-equity-loan\"><strong>Is a HELOC the same as a home equity loan?</strong></h3><p>No. A HELOC generally provides a revolving credit line that can be drawn as needed, while a home equity loan typically provides a lump sum with a set repayment structure.</p><h2 id=\"let-your-equity-do-some-heavy-lifting\"><strong>Let Your Equity Do Some Heavy Lifting</strong></h2><p>The right lender depends on more than a headline rate. Comparing fees, rate structures, borrowing limits, repayment terms and accessibility can help Pennsylvania homeowners find an option that suits their finances.</p>","url":"https://admin.thinksaveretire.com/guide-to-choosing-a-heloc-lender-in-pennsylvania/","uuid":"ff4142c1-1fb9-44d4-8617-d335f7b30875","page":null,"codeinjection_foot":null,"codeinjection_head":null,"codeinjection_styles":null,"comment_id":"6a79f76c8478e50001eb100a"},"allGhostAuthor":{"edges":[{"node":{"name":"Vanessa Zimin","slug":"vanessa","bio":"Vanessa Zimin writes about practical ways to earn more, build credit, and grow income outside a 9-to-5. She specializes in side hustles backed by real platform data.","profile_image":"https://s3-us-west-2.amazonaws.com/thinksaveretire.com/content/images/2025/01/Headshot-Photo.jpg","postCount":88}},{"node":{"name":"Tim Yelchaninov","slug":"tim","bio":"CEO at True Finance, Husband, and Father to three beautiful daughters. 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She also runs the site <a href=\"http://www.bitwiseetextiles.com/\" target=\"_blank\" rel=\"noopener\">Bitwise E-Textiles</a>.","slug":"fay"}},{"node":{"bio":"","slug":"chris"}},{"node":{"bio":"G. Brian Davis is a real estate investor and co-founder of SparkRental.com, which provides education and <a href=\"https://sparkrental.com/free-landlord-resources/\" target=\"_blank\" rel=\"noopener\">free tools for landlords</a> and rental investors. Their services include automated rent collection (with an option to deduct rent from the tenant’s paycheck), lease agreements, tenant screening and more. If you’re interested in getting started with rental properties, start with their <a href=\"https://snaplandlord.com/\" target=\"_blank\" rel=\"noopener\">free mini-course on buying small multifamily rental properties</a>.","slug":"g"}},{"node":{"bio":"","slug":"boisy"}},{"node":{"bio":"","slug":"lily"}},{"node":{"bio":"<strong>Kristin Hanes</strong> is a journalist and writer who lives on a sailboat in San Francisco. Her blog, <i><a href=\"http://www.thewaywardhome.com/\" target=\"_blank\" rel=\"noopener\">The Wayward Home</a>,</i> explores van life, RVing, tiny homes and sailboat living. She hopes to inspire others to live tiny and lead a life of adventure.","slug":"kristin"}},{"node":{"bio":"<i>Bob Clyatt is the author of <b><a href=\"http://www.workless-livemore.com/\" target=\"_blank\" rel=\"noopener\">Work Less, Live More</a>: The New Way to Retire Early,</b> which has sold over 40,000 copies.  After founding two startups which were sold to public companies he retired in 2001 at age 42 to pursue his artistic interests.  Bob’s sculptures will be exhibited during the 2019 Venice Biennale in the pavilion of the European Cultural Center. </i>","slug":"bob"}},{"node":{"bio":"","slug":"grant"}},{"node":{"bio":"","slug":"kara"}},{"node":{"bio":"","slug":"brenda"}},{"node":{"bio":"","slug":"thomas"}},{"node":{"bio":"","slug":"michael"}},{"node":{"bio":"","slug":"jessica"}},{"node":{"bio":"","slug":"miguel"}},{"node":{"bio":"","slug":"chris-duke"}},{"node":{"bio":"","slug":"jack"}},{"node":{"bio":"<em>Michael blogs at </em><a href=\"https://yourmoneygeek.com/\" target=\"_blank\" rel=\"noopener\"><em>Your Money Geek</em></a><em> where he shares his experience, unique insights, and profiles inspirational success stories. When he is not writing about personal finance Michael can be found enjoying a</em> <a href=\"https://yourmoneygeek.com/best-sci-fi-books/\" target=\"_blank\" rel=\"noopener\"><em>sci-fi book</em></a><em>.</em>","slug":"michael-your-money-geek"}},{"node":{"bio":"","slug":"marc"}},{"node":{"bio":"","slug":"cody"}},{"node":{"bio":"<em>Cindy quit her 9-5 job to start living life on her own terms. 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I am taking you on my journey to be Financially Independent by 35, let’s do it!</em>","slug":"m"}},{"node":{"bio":"","slug":"whitney"}},{"node":{"bio":"","slug":"michael-perrone"}},{"node":{"bio":"","slug":"fred"}},{"node":{"bio":"Penny is an educator in her early thirties who lives in the ‘burbs of a big Midwestern city with my husband and baby and writes on her blog at <a href=\"https://shepicksuppennies.com/\" target=\"_blank\" rel=\"noopener\">She Picks Up Pennies</a>. In three years, they paid down over $85,000 worth of debt on two teachers’ salaries, thanks to some serious savings and extra side hustling.","slug":"penny"}},{"node":{"bio":"","slug":"danielle"}},{"node":{"bio":"","slug":"nathan"}},{"node":{"bio":"<i><span style=\"font-weight: 400\">Cameron Huddleston is an award-winning financial journalist with more than 17 years of experience writing about personal finance. She also is the author of </span></i><a href=\"https://cameronhuddleston.com/mom-and-dad-we-need-to-talk/\" target=\"_blank\" rel=\"noopener\"><i><span style=\"font-weight: 400\">Mom and Dad, We Need to Talk: How to Have Essential Conversations With Your Parents About Their Finances</span></i></a><span style=\"font-weight: 400\">. </span>","slug":"cameron"}},{"node":{"bio":"","slug":"robin"}},{"node":{"bio":"<i><span style=\"font-weight: 400\">Julie, or “J”, is a 30-year-old tech professional who lives in Seattle, WA with her husband and dog. She loves anything outdoors, side hustling, and talking to interesting people on the path to financial independence on her podcast, <a href=\"https://firedrillpodcast.com/\" target=\"_blank\" rel=\"noopener\">Fire Drill</a>. She is the creator of the Side Course where she teaches people how to build passive income streams with Etsy printables, blogging, and freelancing.</span></i>","slug":"julie"}},{"node":{"bio":"Dr. Jeff uses his personal six-figure debt experience he had to inspire other doctor and high-income professionals. He focuses on debt-free living and financial freedom at <a href=\"https://www.debtfreedr.com/\" target=\"_blank\" rel=\"noopener\">Debt Free Dr</a>.","slug":"jeff"}},{"node":{"bio":"Mr. The Poor Swiss is the main author behind thepoorswiss.com. In 2017, he realized that he was spending more and more every year, falling into the trap of lifestyle inflation. He decided to cut on his expenses and increase his income. This blog is relating <a href=\"https://thepoorswiss.com/about/\" target=\"_blank\" rel=\"noopener\">his story and findings</a>. In 2018, he saved more than 40% of his income. He made it a goal to reach Financial Independence. You can <a href=\"https://thepoorswiss.com/contact/\" target=\"_blank\" rel=\"noopener\">send Mr. The Poor Swiss a message here</a>.","slug":"poor"}},{"node":{"bio":"","slug":"patricia"}},{"node":{"bio":"Molly Barnes is a full-time digital nomad, exploring and working remotely in different cities in the US. She and her boyfriend Jacob created the website <a href=\"http://digitalnomadlife.org/\" target=\"_blank\" rel=\"noopener\">Digital Nomad Life</a> to share their journey and help others to pursue a nomadic lifestyle.","slug":"molly"}},{"node":{"bio":"John and his wife run <a href=\"https://www.howtofire.com\" target=\"_blank\" rel=\"noopener\">How To FIRE</a> where they work to educate others, provide valuable resources and share our own journey towards FIRE. Their mission is to pursue passions outside of a 9-to-5 and without a worry about money!","slug":"john"}},{"node":{"bio":"Peter writes about achieving financial independence through career-hacking, online side-hustles, and super-saving. In the last 2 years using these techniques, the <a href=\"https://countingeverydollar.com/about/\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https://www.google.com/url?q=https://countingeverydollar.com/about/&amp;source=gmail&amp;ust=1564139744383000&amp;usg=AFQjCNFWN8-n7PEM8pff_6Oa8c9RS1lk6g\">Counting Every Dollar family</a> has doubled their income, increased net worth by over $200,000 and reached an 85% savings rate!","slug":"peter"}},{"node":{"bio":"<span id=\"docs-internal-guid-460dc410-7fff-ba14-2737-e17aad8b7733\"><span style=\"font-size: 11pt;font-family: Arial;vertical-align: baseline\">Ingrid took early retirement from software engineering at 43 to pursue her passions for language learning and travel. Her goal is to learn a new language to fluency every two years. Currently, she speaks English, German, and Spanish, and is learning Portuguese. </span></span>\r\n\r\n<span id=\"docs-internal-guid-460dc410-7fff-ba14-2737-e17aad8b7733\"><span style=\"font-size: 11pt;font-family: Arial;vertical-align: baseline\">Find out more at her blog </span><a href=\"https://www.secondhalftravels.com/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-size: 11pt;font-family: Arial;color: #1155cc;vertical-align: baseline\">Second-Half Travels</span></a><span style=\"font-size: 11pt;font-family: Arial;vertical-align: baseline\">, or follow along on </span><a href=\"https://www.facebook.com/secondhalftravels\" target=\"_blank\" rel=\"noopener\"><span style=\"font-size: 11pt;font-family: Arial;color: #1155cc;vertical-align: baseline\">Facebook</span></a><span style=\"font-size: 11pt;font-family: Arial;vertical-align: baseline\">.</span></span>","slug":"ingrid"}},{"node":{"bio":"Chris is a financial blogger who loves to be transparent about money-related issues. He’s paid off massive amounts of credit card debt and is the blog author of <a href=\"https://www.moneystir.com/\" target=\"_blank\" rel=\"noopener\">Money Stir</a>. His main focus on Money Stir is talking about how money relates to our relationships, personal development, and how to plan for the future we want. He’s been quoted on Market Watch, The Ladders, and other publications.","slug":"chris-roane-money-stir"}},{"node":{"bio":"<span style=\"font-weight: 400\">Enoch Omololu</span><i><span style=\"font-weight: 400\"> is a veterinarian by day and a personal finance blogger by night at <a href=\"https://www.savvynewcanadians.com/\" target=\"_blank\" rel=\"noopener\">Savvy New Canadians</a>. He has a master’s degree in finance and investment management and his writing has been featured in the Toronto Star, Financial Post, MSN Money, Nest Wealth, The Motley Fool, Rockstar Finance and many other personal finance publications.</span></i>","slug":"enoch"}},{"node":{"bio":"Justin Song is a Product Manager at <a href=\"https://www.valuepenguin.com/\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https://www.google.com/url?q=https://www.valuepenguin.com/&amp;source=gmail&amp;ust=1563967229362000&amp;usg=AFQjCNEoYVUlnc5ToD_fEpv6rw7wZQoAjg\">ValuePenguin</a>, a consumer research site, covering the small business and loans vertical. Before joining ValuePenguin he was a Senior Consultant at IBM. Justin graduated from New York University with a B.A. in Economics—in his free time he loves using credit card rewards to travel.","slug":"justin"}},{"node":{"bio":"Andrew is a personal finance aficionado who helps others take control of their finances and learn to build generational wealth at his blog, <a href=\"https://wealthynickel.com/\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https://www.google.com/url?q=https://wealthynickel.com&amp;source=gmail&amp;ust=1564314341647000&amp;usg=AFQjCNFTciQ7uqgr3Mgp-DDuMfD5mLu69w\">Wealthy Nickel</a>. With a Bachelors degree in Engineering and a Masters in Economics, he is a numbers geek through and through. Andrew has a unique story of building wealth outside his day job through real estate investing, and teaches others to do the same. Andrew’s real estate background, along with growing up enjoying the benefits of his family’s timeshare, gives him a balanced view of the industry to help others make the best decision with their own timeshare.","slug":"andrew"}},{"node":{"bio":"<a href=\"https://financialwolves.com/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">Financial Wolves</span></a><span style=\"font-weight: 400\"> is a blog focused on helping you make more money to achieve financial freedom. After repaying student loans, I’ve shifted my focus to make more money from side hustles, real estate, freelancing and the online economy. Follow us on </span><a href=\"https://twitter.com/financialwolves\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">Twitter</span></a><span style=\"font-weight: 400\"> and </span><a href=\"https://facebook.com/financialwolves\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">Facebook</span></a><span style=\"font-weight: 400\">. </span>","slug":"financial"}},{"node":{"bio":"Drew writes about maximizing career success, especially for introverts, on <a href=\"https://www.fiintrovert.com/\" target=\"_blank\" rel=\"noopener\">FI Introvert</a>. He believes that we can realize at least 80% of the benefits of early retirement by working in HIFI positions – high income, high freedom, and high impact. Through brute force savings and a strong stock market, he and his wife have amassed nearly $1M in invested assets in four years. More importantly, he has a job he loves that allows him to work from home, direct 80% of his time, and see his son during the day.","slug":"drew"}},{"node":{"bio":"","slug":"lana"}},{"node":{"bio":"","slug":"adthrive"}},{"node":{"bio":"Melissa loves content, comedy, and all things West Coast. She is grateful to wake up every day with the chance to bring stories from unlikely sources to life and enable others to design and live the life of their dreams. She is an aspiring #RichGrandma but until then she's happy living in the Pacific Northwest with her husband and rescue cat.","slug":"melissa"}},{"node":{"bio":"Shelly is a writer based in Washington. Since coming out of early retirement from being a volunteer wildlife refuge caretaker in her early 20's, Shelly has written for newspapers, worked in corporate comms and served as comms director for political campaigns. With AI taking over, now seems like the perfect time to bring her writing skills to the FIRE movement.","slug":"shelly"}},{"node":{"bio":"","slug":"think"}},{"node":{"bio":"","slug":"paul"}}]}},"pageContext":{"slug":"guide-to-choosing-a-heloc-lender-in-pennsylvania"}}}