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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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.
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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.
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How to replace a lost or stolen credit card
If your credit card goes missing, taking action quickly can help resolve the problem.
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Can active military get a VA loan?
Though far from home, you can still get an affordable VA home loan.
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Should you sign the back of your credit card?
Signing the back of your credit card probably isn’t necessary, but it can’t hurt.
5 min read Apr 25, 2025