Zina Kumok

Zina writes content regularly for major financial brands and has been featured in Lifehacker, DailyWorth and Time. She paid off $28,000 worth of student loans in three years and now provides one-on-one financial coaching at Conscious Coins.
7 Websites and Apps to Check Out If You’re Shopping for a Mortgage
They might help simplify your homebuying process.
Mar 20, 2021
Hey, It’s OK If You Don’t Have Perfect Finances by Age 30
Don't beat yourself up. Here's what to focus on instead.
Oct 11, 2020
This Surprising Financial Maneuver Can Help You Buy a Second Home
Here's what you need to know.
Oct 7, 2020
4 Special Loans That Allow You to Put Less Than 10 Percent Down on a House
There's no need to save for the traditional 20 percent down payment.
Sep 21, 2020
The Unexpected Thing My Husband and I Did to Save Money for a Home
You need a little creativity to make ends meet these days. With wages stagnating and housing prices skyrocketing, people are looking for ways to cut expenses and boost their income. And that’s especially true for anyone trying to save for a down payment on a house. This was all top of mind several years ago when Sam (my now-husband, then-boyfriend) and I decided to move in together.
Nov 18, 2018
How I Decided Between an FHA and Conventional Mortgage
It took some deep digging to figure out which option best fit our needs right now and for the term of our loan. Here's how we made our decision.
Oct 19, 2018
I Wrote an Offer Letter That Beat 6 Other Bids—Here’s What I Did
When my husband and I put an offer on our house, I asked our agent if he thought sending an offer letter, or a personalized letter to the buyer explaining why they should pick us over another offer, would be appropriate. “Yes, definitely do that,” Mark Branch, our real estate broker with Century 21 Scheetz in Indianapolis, Indiana, told me. “And send pictures, too.
Oct 10, 2018
This Is Why I Bought My First Home Sight Unseen
In 2017, 35 percent of people who bought homes did so sight unseen. In 2018, I was one of them. In the midst of purging, packing, and organizing all our things, my husband and I put in an offer on a house in Indianapolis, Indiana—1,500 miles away from our apartment in Denver. We’d been house hunting for a few weeks and always said we’d wait until we moved to put in an offer. So what changed?
Jul 10, 2018