What is a co-op? A complete guide
When you buy a house or condo, you technically own property. Co-ops work differently.
6 min read
May 29, 2025
Erik J. Martin
Contributor, Personal Finance
EXPERTISE
- Personal finance
- Mortgages
- Housing market
- Home improvement
- Credit cards
EDUCATION
- Bachelor of Arts, Loyola University Chicago
- Dale Carnegie Training
Erik J. Martin is a contributor to Bankrate covering personal finance, including mortgages, the housing market, home improvement and credit cards. Based in the Chicago area, he is host of the “Cineversary” podcast and blogs on Cineversegroup.com and Martinspiration.com.
In addition to Bankrate, Martin has contributed to AARP The Magazine, Tte Chicago Tribune, Reader’s Digest, The Costco Connection and USAA, among other outlets.
Erik J.'s latest articles
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Can you get a business credit card without a business?
Can you get a business credit card for a side gig without owning a business?
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How to report revenue on a business card application
Business credit card application will ask about your revenue. What should you report?
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How much flood insurance do mortgage lenders require?
If you need a mortgage for a home in a flood zone, your lender will likely require you to purchase flood insurance.
4 min read May 20, 2025 -
Do I really need a 20 percent down payment for a house?
It’s possible to buy a house with much less than 20 percent down.
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Will a change to my credit card number hurt my score?
Changing your credit card number shouldn’t affect your credit score if done properly.
6 min read May 05, 2025 -
How to replace a lost or stolen credit card
If your credit card goes missing, taking action quickly can help resolve the problem.
7 min read May 02, 2025 -
What is Continental Finance — and are its cards right for you?
Continental Finance offers credit products for people with poor credit.
6 min read Apr 30, 2025