Sidney Richardson

Sidney Richardson is a professional writer for Rocket Companies in Detroit, Michigan who specializes in real estate, homeownership and personal finance content. She holds a bachelor's degree in journalism with a minor in advertising from Oakland University.

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Debt-To-Income Ratio (DTI): What It Is, Why It’s Important And How To Calculate Yours

Debt to income ratio (DTI) is a critical factor in qualifying for a loan. Learn what DTI is, how it’s calculated, and why it’s so important to financial health.

Socially Responsible Investing: A Beginner’s Guide

Socially responsible investing is when you invest in companies that provide financial returns and promote social change. Learn how it works and how to invest.

What Is A Refinance And How Does It Work?

You’ve likely heard the term “refinance,” but have you wondered, “What is a refinance?” Unlock the meaning of the term – and the pros and cons of refinancing.

What Is A High-Yield Savings Account And Should You Use One?

A high-yield savings account pays more interest than a traditional bank account. Learn what a high-yield savings account is and the benefits of using one here.

What Is APR And How Is It Calculated?

APR is the interest rate a lender charges a borrower for borrowing money. Learn how APR works, its impact on your monthly loan costs, and how to calculate it.

Does Getting Preapproved Hurt Your Credit Score? What Every New Buyer Needs To Know

Preapproval letters can make buying a home easier and faster. But does getting preapproved hurt your credit score? Learn what new buyers need to know.