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Amy Fontinelle

Personal Finance Expert

About

Amy Fontinelle is a freelance writer, researcher and editor who brings a journalistic approach to personal finance content. Since 2004, she has worked with lenders, real estate agents, consultants, financial advisors, family offices, wealth managers, insurance companies, payment companies and leading personal finance websites. Amy also has extensive experience editing academic papers and articles by professional economists, including eight years as the production manager of an economics journal.

Amy’s work has been published by Forbes Advisor, Capital One, MassMutual, Thrivent, Prudential, Credible, Reader’s Digest, Taste of Home, The Motley Fool, Investopedia, International Business Times, Business Insider, Bankrate and other outlets. In addition to creating content for personal finance brands, Amy ghostwrites thought-leadership pieces for financial advisors.

Amy is your go-to source for making informed decisions about your money, whether you’re refinancing a mortgage, buying disability insurance or choosing investments. An inveterate skeptic, she leaves no footnote unread in her quest to empower friends, family and strangers on the internet to manage their finances and look out for their own interests.

When she’s not falling down yet another research rabbit hole, you can find Amy squinting through a viewfinder or snuggling her cats.

Expertise

  • Mortgage and home equity lending
  • Insurance
  • Financial planning
  • Investing
  • Retirement

Achievements

  • Freelance writer, researcher and editor
  • Brings a journalistic approach to personal finance content
  • Has worked with lenders, real estate agents, consultants, financial advisors, family offices, wealth managers, insurance companies, payment companies and leading personal finance websites
  • Eight years as the production manager of an economics journal
  • Articles published by Forbes Advisor, MassMutual, Thrivent, Prudential and other leading brands

Other Publications

Education

Washington University in St. Louis (B.A., Spanish)

University of California Extension, Los Angeles (Professional Certificate, Journalism)

Professional Memberships

Allied Professional Member, Financial Planning Association

  • Broker Price Opinion (BPO): What Is It And When Should You Get One?

    When you’re looking at the price on a home listing and thinking, “Wow, that’s ambitious,” or “What a steal!” a broker price opinion, or BPO, likely helped inform that number. Similarly, when a homeowner falls on hard times and can’t...
    Broker Price Opinion (BPO): What Is It And When Should You Get One?
  • Correspondent Lending: What It Is And How It Works

    Correspondent lending is a major part of the mortgage origination business. But if you’re shopping for a home loan, you probably won’t know if you’re applying with a correspondent lender unless you ask. More than one in four borrowers got...
    Correspondent Lending: What It Is And How It Works
  • Home Equity Sharing Agreement: How To Tap Into This Alternative Financing

    A home equity sharing agreement is a relatively new financing option that lets you borrow money against your future home equity. They can be a viable alternative to accessing your equity if you don’t qualify for other forms of financing....
    Home Equity Sharing Agreement: How To Tap Into This Alternative Financing
  • Best Roth IRA Investments

    A Roth IRA is among the most powerful tools in your retirement arsenal. As long as you make withdrawals after age 59 ½ or qualified early withdrawals, you’ll never pay any taxes on your investment gains or the money you...
    Best Roth IRA Investments
  • What Is An Assumable Mortgage And How Does It Work?

    You’re finally ready to buy a home. Work is stable, you’ve saved a small fortune and you’ve found a community you want to stick around in. There’s just one major problem: Interest rates are much higher than you expected. At...
    What Is An Assumable Mortgage And How Does It Work?
  • Home Equity Loan Closing Costs: What To Know About Fees

    All home loans charge closing costs. The only question is how much they’ll be and who will pay them—the borrower or the lender? Take note of the fees you might be charged to take out a home equity loan or...
    Home Equity Loan Closing Costs: What To Know About Fees
  • Movement Mortgage Review 2024

    , founded in 2008, is an online lender that offers fixed-rate mortgages with term lengths of 10, 15, 20 and 30 years. The company issues home loans , and it’s licensed to service loans in all 50 states, making this...
    Movement Mortgage Review 2024
  • Walmart Pet Insurance Review 2024

    We recommend Walmart pet insurance through Fetch because it covers boarding fees (up to $1,000) if you are hospitalized, a benefit you might not find at many insurers. You’ll also find lower-than-average pet insurance prices compared to top competitors. More:...
    Walmart Pet Insurance Review 2024
  • 7 Things Your Financial Advisor Should Be Doing For You

    You hire a financial advisor because you want to increase your net worth. That’s goal number one. Consciously or not, you also hire an advisor to make your life easier. You lack the time, the confidence or both to manage...
    7 Things Your Financial Advisor Should Be Doing For You
  • What Does A Title Company Do?

    A title company researches the history of a property’s ownership and any third-party claims against it. If the company finds the title unclear during this search, it can often help resolve any problems—called “defects” or “clouds.” This process must be...
    What Does A Title Company Do?
  • Best Investments For High Net Worth Individuals

    Investment options for high net worth individuals range from the mundane to the glamorous. You need a net worth of $1 million to be considered a high net worth individual—commonly referred to as an HNWI. That means being an HNWI...
    Best Investments For High Net Worth Individuals
  • Best Mortgage Lenders With No Origination Fee Of May 2024

    Most mortgage lenders charge an origination fee, which is usually around 1% of the total cost of the loan. The purpose of the fee is to cover expenses like application processing, underwriting the loan and other administrative services the lender...
    Best Mortgage Lenders With No Origination Fee Of May 2024
  • How To Find A Financial Advisor Who Cares About Sustainable Investing

    Ethical investing has always been around, but in recent years it’s become more defined and refined into ESG investing. Environmental, social and governance investors hope to improve the world around them while improving their own finances in the process. While...
    How To Find A Financial Advisor Who Cares About Sustainable Investing
  • What Does Contingent Mean?

    When you’re shopping for a home, you might not be able to tell your chances of buying the home from the listing. That’s because properties have different listing statuses that are on a spectrum from “active” (available for sale) to...
    What Does Contingent Mean?
  • How Financial Advisors Can Help With Debt Management

    You feel like you’re drowning in debt. You don’t know how to get out of the situation. All you know is that your mental health is suffering and you’re craving financial security. You’ve struggled long enough. Wouldn’t it be a...
    How Financial Advisors Can Help With Debt Management
  • 4 Mortgage Apps To Calculate Your Loan Payments

    Mortgage calculator apps can help you see the impact of different loan amounts, interest rates and payment terms in seconds. Whether you’re looking for a mortgage budget app to see what you can afford or an app to help pay...
    4 Mortgage Apps To Calculate Your Loan Payments
  • 4 Ways To Use Your Home Equity For Remodeling

    If you have enough home equity and good credit, your home’s equity could be a low-cost way to finance a home remodeling project. Since remodeling can be expensive, you may not have the cash on hand to pay for the...
    4 Ways To Use Your Home Equity For Remodeling
  • What Is A Santa Claus Rally?

    Each year, when the days are at their shortest and retail workers’ shifts are at their longest, market pundits speculate about the likelihood and magnitude of a year-end surge in stock prices. Dubbed a Santa Claus rally, this phenomenon describes...
    What Is A Santa Claus Rally?
  • How Millennial Homeownership Is Reshaping the Market

    2022 marked the first time that more than 50% of Millennials were homeowners, according to the most recent U.S. Census Bureau Current Population Survey data. In 2020 and 2021, many Millennials took advantage of low interest rates and increased opportunities...
    How Millennial Homeownership Is Reshaping the Market
  • Mortgage Refinance Application Process: 13 Steps to Refinancing

    If you’ve bought a home with a mortgage, you know how the refinance application process works. It’s nearly identical to financing a purchase, minus all the complexities of buying a property. If you’ve inherited a home, refinancing might be your...
    Mortgage Refinance Application Process: 13 Steps to Refinancing
  • Median Home Price By State

    The median home price gives us an idea of what the typical home costs. It tells us that half of homes sold for more than that price and half sold for less. Combined with mortgage rates and other factors, the...
    Median Home Price By State
  • When To Hire A Lawyer For A Home Insurance Claim

    You can likely handle many kinds of home insurance claims on your own. But it may be time to hire a lawyer if you have a complex and time consuming claim, or you can’t reach an agreement with your insurance...
    When To Hire A Lawyer For A Home Insurance Claim
  • What Information Should You Share With A Financial Advisor?

    Just like working with a doctor or therapist, working with a financial advisor requires a level of transparency and candor that can be daunting. The more you share with your advisor, the better they’ll be able to do their job...
    What Information Should You Share With A Financial Advisor?
  • How Much Money Do You Need To Buy A House In 2023?

    Buying a house is a significant expense, especially in 2023. An enduring nationwide housing shortage and the highest mortgage rates in more than 20 years might make you feel pessimistic about your chances of becoming a homeowner. Buying a house...
    How Much Money Do You Need To Buy A House In 2023?
  • Closing Costs Calculator: Estimate What You’ll Owe

    A closing cost calculator can help you calculate how much you’ll pay in fees when you buy or refinance a home. Your lender, real estate agent, title company and other third parties will charge you a fee for their services....
    Closing Costs Calculator: Estimate What You’ll Owe
  • How To Save For Retirement In Your 40s

    Your 40s are a great time to save for retirement. You have career experience. You have life experience. And you still have 20-plus years to earn compound returns. Gen Xers and late millennials are largely on the right track. More...
    How To Save For Retirement In Your 40s
  • Unlock Home Equity Agreement Review 2024

    Unlock Technologies doesn’t offer home equity loans. Instead, its home equity agreements (HEAs) give homeowners a way to trade a portion of future home equity for cash today. Its home equity agreements are available in 15 states. Unlike a home...
    Unlock Home Equity Agreement Review 2024
  • 4 Home Equity Loan Mistakes To Avoid

    Borrowing against your home equity is a big decision. The money could help you pay off high-interest debt, make home improvements or improve your life in some other way. But it also brings expenses and risks you should understand so...
    4 Home Equity Loan Mistakes To Avoid
  • Bank Of America Mortgage Lender Review 2024

    Based in Charlotte, North Carolina, Bank of America (BofA) is one of the largest U.S. banks. It has branches in 38 states and Washington, D.C., and offers mortgages nationwide. Borrowers can apply in person, by phone or online, and the...
    Bank Of America Mortgage Lender Review 2024
  • How To Save For Retirement In Your 30s

    Your 30s can be a tricky time to save for retirement. You might be more established in your career, but you probably haven’t hit your highest-earning years yet. You might be taking on major obligations like a mortgage or child...
    How To Save For Retirement In Your 30s
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Top Picks From Amy Fontinelle

  • 7 Things Your Financial Advisor Should Be Doing For You
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  • How To Open A Roth IRA For Kids
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About

Amy Fontinelle is a freelance writer, researcher and editor who brings a journalistic approach to personal finance content. Since 2004, she has worked with lenders, real estate agents, consultants, financial advisors, family offices, wealth managers, insurance companies, payment companies and leading personal finance websites. Amy also has extensive experience editing academic papers and articles by professional economists, including eight years as the production manager of an economics journal.