Headshot of Theresa Stevens

Theresa Stevens

Theresa Stevens is a staff writer for LendingTree who specializes in mortgages, small business loans and general personal finance. She was previously a financial advisor and financial coach.

She started her career in financial services as a financial coach for an economic development nonprofit, where she helped her clients create budgets, pay off debt and improve their credit. She later moved to a financial planning firm, where she assisted clients with their cash flow, savings and investment needs. In 2021, she pivoted her career and became a freelance writer specializing in personal finance.

When she’s not writing, you’ll find Theresa exploring new places and restaurants, listening to live music or enjoying a quiet day at home with her husband and dog.


Specialties

  • Mortgages
  • Small business financing
  • Personal finance

Achievements

  • 5 years of experience in the financial services industry
  • 2+ years of personal finance writing experience
  • Bylines in Forbes Advisor, Bankrate and USA TODAY Blueprint

Education

  • BA, Suffolk University

Articles by Theresa Stevens

Credit Score to Refinance Your Home: Requirements by Loan Type

Most lenders require a 620 minimum credit score to refinance a home loan, though the requirements vary by loan program. Lenders tend to offer lower... read more

What Is Sweat Equity in Real Estate?

Sweat equity in real estate refers to the time, physical labor, and, well, sweat you put into improving your home. You can use sweat equity... read more

Mortgage Fraud: Definition, Examples and How to Avoid It

Mortgage fraud is a financial crime that involves someone intentionally providing false or misleading information during the mortgage lending process. Common examples include a borrower... read more

Housing Discrimination: Definition, Examples and Resources

Housing discrimination is when an individual is treated unfairly in the housing market due to factors including race or disability. Unfortunately, it’s a widespread problem,... read more

Employer Identification Number (EIN): Who Needs It and How to Find It

An employer identification number (EIN) is like a personal Social Security number for businesses, helping the IRS track their activity. It’s essential for business owners... read more

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