Nina Semczuk

A personal finance expert who started her first job at 14 and navigated the mortgage world at 23, Nina Semczuk has written for SmartAsset, Money, ValuePenguin, and LendingTree. Nina is a Certified Educator in Personal Finance® (CEPF®), a member of the Society of American Business Editors and Writers, and an Army veteran with five years of active service. Find her work at

Articles by Nina Semczuk

The Best Places for Young Families in Rhode Island

Rhode Island is proof that good things really do come in small packages. The Ocean State is the smallest in the U.S., but it offers... read more

The Best Places for Young Families in Oregon

Spoiler alert: If you’re thinking of moving your family to Oregon, you’ll quickly discover that even with just 4.1 million residents, this Western state offers... read more

What Are Reverse Mortgage Fees?

Reverse mortgages can relieve your financial pressure in retirement by giving you access to your home equity in cash. But there is a price to... read more

Homeowners Guide for Motivated Buyers

After a housing price slowdown toward the close of 2018, 2019 may be a better year for buyers than it has been over the past... read more

Homeowners Guide for Motivated Sellers

Some signs indicate the housing market may be becoming more balanced for the first time in several years. Home price acceleration slowed in 2018, as... read more