Get Motorcycle Title Loans Online with Quick Approval #motorcycle #title #loans,motorcycle #title


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Motorcycle Title Loans

TitleMax® is one of the nation’s largest and most renowned title lending companies. Our customers continue to choose us because we’ve expanded our product line to include motorcycle title loans, and we’ve streamlined the motorcycle title loan process to be as quick and simple as possible. As long as you have a motorcycle that’s paid off with the title in your name, and you have a valid government-issued ID, we could approve you quickly for a motorcycle title loan! In addition to motorcycle title loans online, we offer auto title loans for customers needing extra cash. We also know you’re busy, so we value your time as much as you do. From beginning to end, it typically takes as little as 30 minutes for us to set up a motorcycle title loan and put money in your pocket. That’s right: With a title loan from TitleMax®, you could get the money you need, the very same day you need it! Other lenders can take hours or even days before getting you the money you’re looking for. But at TitleMax®, we strive to provide the best possible title loan experience for our customers, and we know that part of that means getting you cash quick. Get started by filling out our online form for customers interested in motorcycle title loans online.

How Do I Get a Motorcycle Title Loan with TitleMax?

Dealing with life’s unexpected curve balls can be stressful. In today’s economy, we can’t always be prepared to deal with such demanding financial emergencies, especially when they come up when you’re least expecting them. And while there are quite a few different avenues you can take to get the money you need (like payday loans, cash advances, pawn outlets, and credit cards), you could find problems associated with each of them that tend to outweigh the benefits. That’s why a motorcycle title loan with TitleMax® could be a better option. With a cash-for-motorcycle-title loan, we could get you the cash you need at a competitive rate, and any credit is accepted. Our customers appreciate the motorcycle loans we offer as an easy way to get cash when they need it. With a TitleMax® title loan, get cash quick using your motorcycle title. So visit your closest store today, bring your motorcycle, its lien-free title, and a valid government-issued ID, and we could have you in and out, set up with one of our title loans on motorcycles with cash in hand, in as little as 30 minutes. So make the smart choice and get a motorcycle title loan or a car title loan with TitleMax® today!

Title Loan benefits with TitleMax

Take advantage of your opportunity to set up a motorcycle title loan. TitleMax® customers enjoy numerous benefits when they get a TitleMax® title loan. This is one of the many reasons why TitleMax® has grown to be one of the largest title loan companies in the country. Check out all of the perks to getting a TitleMax® motorcycle title loan below:

  • Quick approval
  • Any credit accepted
  • Quick and easy process
  • Money in as little as 30 minutes
  • Competitive rates
Title Loans by City
Get Cash
Title Loans Pawns by State
  • * Maximum loan amount in Illinois is $4,000. Maximum loan amount in Mississippi is $2,500. Maximum loan amount in Tennessee is $6,500, assuming customer qualifies and accepts both the Pledge and Line of Credit. Maximum loan amount in select Texas stores is $1,340, and in others it is $10,000. Minimum loan amount in California is $2,600.
  • ** Car title loans may require a credit check in California. Motorcycle title loan and pawn approval requires satisfaction of all loan eligibility requirements including a vehicle evaluation and a credit check.
  • *** To be approved for a title loan or pawn, you must be at least 18 years of age (19 in Alabama). Account approval subject to vehicle inspection, appraisal, and, if applicable, a credit check.
  • † Proof of income is required in Illinois, South Carolina, and California. In California you are also required to provide proof of residency, and a valid vehicle registration to obtain a loan.
  • ‡ Signature and personal loans are offered by an affiliate of TitleMax® and are currently only available in Florida. Account approval requires satisfaction of all loan eligibility requirements, including a credit inquiry, and, if applicable, motor vehicle appraisal.
  • § Refinancing of a competitor’s title loan is not available in Mississippi or Virginia. In Illinois, you are required to have reduced your original principal balance by 20% before refinancing. TitleMax®, TitleBucks®, and InstaLoan®, are not considered competitors. Please see a store associate for details.
  • – TitleMax® of Virginia, Inc. d/b/a TitleMax® is licensed by the Virginia State Corporation Commission, license number VTL-11.
  • – In some Texas locations, TitleMax® will act as a Credit Services Organization to assist you in obtaining a loan. Your loan may be made by an unaffiliated third party Lender. Please see store associate for details. Please see Texas Schedule of All Fees .
  • – In GA, TitleMax® offers Title Pawns.
  • – In CA, Loans are made by TitleMax® of California, Inc. California Finance Lenders Law License No. 603K014.

TitleMax on Facebook TitleMax on Twitter TitleMax on Google+ TitleMax on Instagram TitleMax on Pinterest TitleMax on YouTube


Home Loan Interest Rates #home #loan #interest #rates, #home #loan #rates, #housing


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Home Loan Interest Rates Service Charges

Acquiring your own dream house is a lifetime decision which requires extensive research, planning your necessities and large amounts of finances, all of which will impact your final decision of buying a house. For this purpose, DHFL offers you one of the best home loans with a competitive housing loan interest rate, making it easier for you to fulfil your dream of buying your own house.

Click here to download the Mock MITC format

DHFL Home Loan Interest Rates:

For Salaried / SEP (Re-substitution charges)

Applicable Rate of Interest DHFL

Above `25 Lacs to ` 75 Lacs

Above ` 75 Lacs to ` 100 Lacs

Loans above ` 100 Lacs to ` 150 Lacs

Loans above ` 150 Lacs to ` 300 Lacs

Loans above ` 300 Lacs

For Self Employed / SENP (Re-substitution charges)

Applicable Rate of Interest DHFL

Above `25 Lacs to ` 75 Lacs

Above ` 75 Lacs to ` 100 Lacs

Loans above ` 100 Lacs to ` 150 Lacs

Loans above ` 150 Lacs to ` 300 Lacs

Loans above ` 300 Lacs

DHFL ensures that you get the best services on your home loan, please find below the charges applicable on services associated with your home loan:

Processing Fees (Non-Refundable)

Minimum Login Fees

Salaried/Self Employed Professional (SEP)

Up to ` 30 lac. ` 5,000 + document charges + Applicable GST

` 2,500 or processing fee applicable whichever is lower + Applicable GST

Above ` 30 lac up to ` 75 lac: ` 10,000 + document charges + Applicable GST

Above ` 75 lac. ` 20,000 +document charges + Applicable GST

Self Employed Non Professional (SENP)

Net PAT: 0.5% + Applicable GST

Others. 1.5 % + Applicable GST

CERSAI Registry / Modification Charges

` 50 + Applicable GST for loans upto ` 5 lac
` 100 + Applicable GST for loans above ` 5 lac

Technical Fees (for additional property or property situated outside geographic limit or for pre technical)

a. Within 60 km radius: No charges
b. Beyond 60 km: ` 500 + Applicable GST for first visit and ` 750 + Applicable GST for subsequent visits

Valuation fee in Construction Linked Loan cases

First visit: No charges.
Subsequent visits: ` 500 + Applicable GST

Dewan Housing Finance Corporation Limited

Disclaimer – As regards deposit taking activity of the company, the viewers may refer to the advertisement in the newspaper / information furnished in the application form for soliciting public deposits; The Company is having a valid Certificate of Registration dated 31/07/2001 issued by the National Housing Bank under Section 29A of the National Housing Bank Act, 1987. However, the National Housing Bank does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for repayment of deposits / discharge of the liabilities by the company.


Business Loans #business #loans, #business #loan, #small #business #loans, #small #business #loan,


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Apply Now

Business Loans

Fast Business Lending Solutions Merchant Advisors offers small businesses a platform for business financing. Whether you need funding for expansion or working capital, Merchant Advisors gets you the business financing you need when you need it at minimal costs.

We understand that every business has its unique borrowing needs. Some may want to make new purchases to boost productivity and sales; some need working capital to support operating costs. That’s why we offer the use of innovative technology to offer simple, fast and unsecured business loans. As a non-bank lender, Merchant Advisors offers low longer terms and low rates for more effective business financing. We realize that if a loan costs too much – we may not get paid back! We prevent this by offering affordable business financing.

Unlike bank lending, our financial experts walk you through the loan process to make sure you have a full understanding of our loan process. We strive to make the loan application process as easy as possible; and this is what sets us apart from other lenders.

A Smarter Way to Shop for Business Loans, Compare & Save! Our goal is to serve our clients’ immediate and long term financial needs from basic business loans and credit lines to the most intricate financial situations. In today’s fast paced market time is money and we make sure you waste neither. Our experienced financial advisors keep their finger on the pulse of your business, and stay on top of your industries trends which can affect your entrepreneurial goals or existing enterprise.

If this sounds like something that interests you & benefits you, we highly recommend you APPLY NOW to get started with no upfront fees and no commitment to find out how much you’re eligible for.

What Sets Us Apart from Other Lenders?

  • We deal with the industry’s most trusted brand name providers
  • Increases your chance of approval by constantly adding new private lenders to our portfolio
  • You get the same (if not better) rate going through us to due to our portfolio track record with our lenders
  • Get a loan for your company without any collateral
  • Receive funding within a few business days!
  • Easiest lending platform with minimal information required for approvals
  • Best rates, save time, and save money!
  • Equipment financing, minority loans, startup funding, working capital many others options.

Navient Lawsuit: What Student Loan Borrowers Need to Know #lawsuit #loan #company


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Navient Lawsuit: What Student Loan Borrowers Need to Know

Navient Corp. the nation’s largest student loan servicer, is facing three lawsuits alleging that it harmed student loan borrowers throughout the repayment process.

Among other things, the CFPB alleges that since at least January 2010, Navient misallocated payments, steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. The CFPB is asking Navient to compensate the borrowers the agency says were harmed.

The Illinois and Washington suits make similar claims to the CFPB’s allegations and also allege that Navient, when it was part of Sallie Mae, made subprime loans to students, particularly those attending for-profit schools. Navient broke off from Sallie Mae Bank, one of the largest private student loan lenders, in 2014.

Navient has filed motions to dismiss all three cases and says the suits are based on new servicing standards that are being applied retroactively, according to a March 2017 fact sheet .

The lawsuits could potentially take years to play out “because of the sheer amount of evidence” that the CFPB, Illinois and Washington have gathered during their investigations, says Suzanne Martindale, a staff attorney at Consumers Union, the policy and action arm of Consumer Reports.

Regardless of the outcomes, borrowers should regularly check their student loan accounts to make sure their loans are being serviced correctly, says Betsy Mayotte, director of consumer outreach and compliance at American Student Assistance, a nonprofit that helps students pay for college.

Here’s what student loan borrowers should know.

How to check if Navient is your loan servicer

Your student loan servicer is the company you make payments to each month. It’s not always the same company that lent you money in the first place.

Since 2010, the U.S. Department of Education has been the direct lender for all federal student loans, but it contracts with private, third-party companies, including Navient, to handle loan servicing. Prior to 2010, private banks, including Sallie Mae, lent federally guaranteed student loans under the Federal Family Education Loan program.

Log on to the Federal Student Aid website to find your federal loan servicer. In addition to Navient, other major federal loan servicers include FedLoan Servicing, Great Lakes Higher Education Corporation Affiliates and Nelnet.

Navient services more than $300 billion in federal and private student loans for more than 12 million borrowers, or over a fourth of the U.S.’s 44 million student loan borrowers. It’s important to know whether you have federal or private student loans, or both, Martindale points out, because different types of loans have different borrower protections. For instance, you’re eligible for income-driven repayment plans and potentially federal loan forgiveness programs if you have federal loans.

You can look up your federal loans on the Federal Student Aid website. Check your credit report to see all of your debts, including both federal and private student loans.

What to do if you’re frustrated with your student loan servicer

When it comes to student loan servicing, “consumers cannot easily take their business elsewhere,” Richard Cordray, director of the Consumer Financial Protection Bureau, said in a statement in January, when the agency filed the lawsuit.

It is possible to switch student loan servicers through federal consolidation or student loan refinancing. But you shouldn’t consolidate or refinance solely to switch servicers because there are potential risks associated with each, says Adam Minsky, a Boston-based lawyer specializing in student loans. Also, there’s no guarantee you’ll be better off with a different servicer.

“The other servicers aren’t exactly rainbows and sunshine,” Minsky says.

Even if you can t change servicers, there are a number of things you can do to voice your concerns and protect yourself as a borrower: File complaints, check your credit report for errors, learn about your repayment options, and watch out for companies that charge fees for student loan help.

File complaints

You can file complaints to one or more of the following entities:

The CFPB alleges that Navient ignores borrowers’ complaints. But getting your concerns in writing is still worth doing, if only to improve the system for others, Seth Frotman, student loan ombudsman and assistant director of the office for students at the CFPB, said in a press call in January.

“We receive thousands of complaints,” Frotman said. “That has dramatically informed our work around improving the student loan servicing market.”

Check your credit report for errors

The CFPB also alleges that Navient incorrectly reported disabled borrowers’ accounts as “in default” when the borrowers had actually gotten loan relief through the government’s Total and Permanent Disability discharge program. To guard against a mistake like that, which could severely hurt your credit score, check your credit report for errors. You can get one free credit report every year from each of the three major credit bureaus.

Get up to speed on your repayment options

Student loan servicers are supposed to help you understand the various repayment options. By learning about the options yourself, you can be empowered to hold your loan servicer to that standard. Keep in mind, though, that each of the following options has risks.

  • Income-driven repayment plans can lower your monthly federal student loan payments by capping your payment at a percentage of your income. They also offer loan forgiveness after you make on-time payments for 20 or 25 years, depending on the plan.
  • Student loan forgiveness programs. such as Public Service Loan Forgiveness, can relieve your federal student loan debt if you work for a certain type of employer and make on-time payments for a certain period of time
  • Federal consolidation doesn’t lower your monthly payments or save you money, but it’s sometimes necessary in order to qualify for income-driven repayment or a forgiveness program. Consolidating is frequently confused with student loan refinancing. which is a way to save money on interest by getting a lower rate.

Watch out for companies that charge fees for help

You can sign up for the above options on your own for free. But some companies that aren’t affiliated with the Department of Education capitalize on subpar student loan servicing practices by charging fees to enroll borrowers in free federal student loan programs. So-called student debt relief companies often advertise messages such as “Obama Student Loan Forgiveness” on Facebook and Google. If you’re tempted by such an offer, know that you don’t have to pay for student loan help.

If your servicer isn’t answering your student loan questions, reach out to the Department of Education or your state’s attorney general’s office for help.

Updated April 10, 2017.

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CollegeData: College Search, Financial Aid, College Application, College Scholarship, Student Loan, FAFSA


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College Match

College Chances

Admissions Tracker

Financial Aid Tracker

Scholarship Finder

Net Price Calculator

EFC Calculator

Compare Your Financial Aid

Common App Grid

Universal College App Grid

Opening Your First Checking Account

Dates and Deadlines

  • JANUARY 1, 2015 First date to submit FAFSA for 2015-16 school year
  • JANUARY 9 Registration deadline for February 7 ACT (not in NY)
  • JANUARY 24 SAT Subject Tests test date
  • FEBRUARY 7 ACT test date (not in NY)
  • FEBRUARY 13 Registration deadline for March 14 SAT
  • MARCH 13 Registration deadline for April 18 ACT
  • MARCH 14 SAT test date
  • APRIL 6 Registration deadline for May 2 SAT Subject Tests
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  • MAY 4-8 AP Exams
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Registration deadline for June 6 SAT Subject Tests

Registration deadline for June 13 ACT

  • MAY 11-15 AP Exams
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  • JUNE 30 Last date to submit FAFSA for federal aid for 2014-15 school year
  • AUGUST 7 Registration deadline for September 12 ACT
  • SEPTEMBER 3 Registration deadline for October 3 SAT & SAT Subject Tests
  • SEPTEMBER 12 ACT test date
  • SEPTEMBER 15 Last date to submit FAFSA corrections for federal aid for 2014-15 school year
  • SEPTEMBER 18 Registration deadline for October 24 ACT
  • OCTOBER 3 SAT & SAT Subject Tests test date
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    (redesigned PSAT)
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    (first test date for redesigned SAT)
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  • SEPTEMBER 1, 2016 Registration deadline for October 1 SAT & SAT Subject Tests
  • SEPTEMBER 10 ACT test date
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  • OCTOBER 1, 2016 First date to submit FAFSA for 2017-18 school year
  • OCTOBER 1 SAT & SAT Subject Tests test date
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    (check with your school)
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  • OCTOBER 7 SAT & SAT Subject Tests test date
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    Auto Title Loans in Los Angeles, CA from LoanMart #car #title #loans


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    LoanMart Offers Auto Title Loans in Los Angeles

    LoanMart provides auto title loans in Los Angeles with extremely competitive rates. It is free to apply for an auto title loan, and our information request form requires no initial obligations. This means you may find out how much we may be able to lend you before you make your choice to continue with the loan.

    You may borrow between $2,510 and $50,000 depending on several factors, such as the equity value of your qualifying vehicle and your ability to pay the loan on time each month.¹ ⁵ Qualified applicants in Los Angeles may even be able to receive their funds in as little as one business day.³

    Applying for an Auto Title Loan in Los Angeles

    An auto title loan is a financial tool that allows customers to use the free-and-clear title to their qualifying vehicle as collateral to secure a loan that is to be paid back in monthly installments. You have the choice to pay your auto title loan off early, because we do not charge our customers prepayment penalty fees.

    When you get an auto title loan, you allow LoanMart to place a lien on your qualifying vehicle’s title in exchange for the loan. You still have full use of the vehicle while making regular on-time monthly payments and may continue to drive it. When the auto title loan is paid back in full, the lender removes the lien on the vehicle’s title and returns the title to you.

    Features of Auto Title Loans in Los Angeles from LoanMart

    Getting an auto title loan may be important to families and individuals who have been afflicted by a sudden, unexpected accident or other event. We do not ask you why you need the money because we respect your privacy.

    We also offer the following features with auto title loans in Los Angeles:

    • If you qualify, it may be possible to receive your funds in as little as 1 business day³
    • You won’t receive any penalties for paying your loan back early
    • Positive reporting with on-time monthly payments
    • Rates are competitive
    • Auto title loan funds can be used however you choose
    • All potential customers are encouraged to apply regardless of their credit rating

    How Do Payments Work for Auto Title Loans in Los Angeles with LoanMart?

    Payments for an auto title loan from LoanMart are monthly and amortized. This means each monthly payment made is applied to both the interest and principle balance of the auto title loan. Not many lenders do this, and it eliminates balloon payments at the end of the loan term.

    What You Need to Apply in Los Angeles for an Auto Title Loan:

    It is 100-percent free for Los Angeles residents to apply for an auto title loan from LoanMart. Our auto title loan agents are standing by to provide you with a free estimated loan amount.

    • Apply online: You may utilize your computer, tablet or smart device to fill out and turn in an online information request form. One of our auto title loan agents will review your form and contact you as soon as possible.
    • Apply by phone: You may call our auto title loan agents directly at 323-844-2960 and apply over the phone.
    You also need to submit the following documents listed below for an auto title loan from LoanMart:
    • The free-and-clear title to a qualifying vehicle, which is in your name
    • Your driver’s license or state-issued photo ID, which must be valid
    • Proof of residence, such as a utility bill
    • Proof of income, such as a recent pay stub

    Apply today for FREE to see if you qualify for an auto title loan in Los Angeles from LoanMart!

    ¹LoanMart may act as the broker for the loan, and may not be the direct lender. All loan applications are subject to meeting our credit criteria, which includes providing acceptable property as collateral. Minimum loan amount vary by state. Consumers need to demonstrate ability to repay the loan.

    LoanMart is licensed or registered as required by applicable state law and does not offer or service student loans. Loan proceeds are intended primarily for personal, family and household purposes.

    ²Based on borrowers who received a loan from February 2002 to April 2016.

    ³Application process could take 5 minutes to complete. Upon completion, a conditional approval may be given pending review of documentation. Funding time is based on the time from final approval following receipt and review of all required documents and signing, prior to 5 PM PST on a business day.

    ⁴To exercise the right to cancel, the borrower(s) must notify LoanMart in writing by midnight on the sixth calendar day from obtaining the loan. Within one business day from notice of cancelation, the borrower(s) must return any monies received and fees paid on behalf of the borrower(s) by certified funds. If payment is not received by that time, borrower(s) will owe the full amount of the loan indicated on the agreement. Borrowers who canceled a loan pursuant to the 5-Day Peace of Mind Guarantee from LoanMart are not eligible for the 5-Day Peace of Mind Guarantee promotion. The 5-Day Peace of Mind Guarantee promotion is only available once per borrower.

    ⁵Minimum and maximum loan amount varies by state.

    If you are using a screen reader and are having problems using this website, please call 1-844-237-5530 for assistance.


    Sign Up for Refinance Leads, Mortgage Refinance Lead Offers #refinance #leads,mortgage #refinance


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    We offer Free Marketing Quotes. Talk to our Knowledgeable Account Reps Now!

    Sign Up for Refinance Leads

    The Lead Planet offers hot refinance mortgage leads as millions of homeowners go online to shop for refinancing loans online. Many borrowers are looking for refinance lenders to help them convert their adjustable rate as their payments have been rising. It seems like every other month we extend mortgage refinance lead offers and promotions to help brokers and net branches maximize their marketing budgets. Borrowers will always have a need to refinance their home mortgages. Many homeowners have first and second mortgage loans that they would like to combine. In most cases our conversion rates on refinance leads is very high. Most of our clients have been closing the most loans each month with our refinance leads. Discuss your lending niches and sales goals with one of our sales reps today and get started with the best mortgage refinance leads online today. We pride ourselves in delivering refinance mortgage leads from homeowners that want to work with competitive lenders.

    The hot mortgage refinance leads right now seem to be the borrowers who have first mortgages that just converted to adjustable rate and their payments have been rising. Their motivation to refinance into a fixed rate loan is high, so get your spot locked with the Lead Planet. When the interest rates rise, they would rather not have to refinance their low rate 1st loan. The other popular inquiries from homeowners are in regards to the HARP 3.0 because this program requires no equity as lenders completely disregard the “loan to value” when underwriting these applications. We have seen a significant rise in HARP refinance leads. Let’s face it, with interest rates this low the market remains hot for home refinancing. Why not maximize your efforts buying marketing in a profitable market. For over fifteen years, we have been delivering qualified refinance leads that convert successfully for lenders and brokers across the nation.

    Whether your niche is conventional, VA or FHA refinancing, our company understands the dynamics of loan origination and our marketing plans are centered on your niches. The reality is that the mortgage refinancing market will not be hot forever, so take advantage of our high converting refinancing leads that will drive your origination numbers higher each month.

    Get signed up now before the lead prices increase. These refinance mortgage leads come directly from interested consumers online. Ask your sales representative about bulk discounts on semi and exclusive refinance leads for sale.

    Target Homeowners that want to Refinance their home while interest rates are low.

    Lead Planet Custom Filters that We Set Up Around Your Company’s Niches!

    FHA Mortgage Leads – After the housing market imploded a few years ago, FHA leads became the most popular refinance lead over the last few years. Many applicants are looking for the FHA streamline program. We generate a high volume of FHA refinance leads.

    Home Equity Leads – Millions of homeowners are searching online for a refinance loan that will consolidate their credit line or 2nd mortgage. The Lead Planet provides quality key equity leads that were initiated by homeowners looking for subordinate financing. Talk to bankers and brokers that offer credit line programs now. Ask about the surging conversion rates on cash out refinance leads as well.

    Credit Repair Leads – Why not supplement your mortgage income with another revenue stream that helps people out by improving their credit.

    Please note that LeadPlanet.com does not offer home refinance programs. LeadPlanet.com is not a bank, credit union, broker or mortgage lender. LeadPlanet.com is a website that provides information about home financing and services that connect consumers to approved lending professionals. We do not offer refinance mortgages directly or indirectly through representatives or agents.

    1999-Present, LeadPlanet.com, Lead Planet Company
    All rights reserved 888-271-9581 Find out why we are considered a reliable source for refinance mortgage leads online.


    How to Take Over Someone Else – s Mortgage Legally #take #over


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    How to Take Over Someone Else s Mortgage Legally

    You can legally take over a mortgage by assuming the original loan, provided you meet the bank’s requirements. An “assumable” loan is secured by a mortgage that contains no “due on sale” provision. Ask to see the seller’s mortgage documents to determine if it is assumable. Most conventional loans are not assumable. Government loans, such as loans backed by the Federal Housing Administration or Department of Veterans Affairs, are often 100 percent assumable. If you meet the lender’s criteria, explore the possibility of assuming the owner’s current mortgage.

    Contact the current lender to request assumption information. Requirements to assume a loan vary among lenders. Even though you are taking over the loan, the lender may require a down payment. For an FHA loan, the down payment is typically 3.5 percent of the balance you are assuming.

    Calculate how much you must pay upfront. If the current owner has equity in the home, he may expect the difference between the amount owed and the current value. If you do not have the funds to pay the owner, some lenders will allow you to borrow the money by taking out a second mortgage.

    Qualify with the lender. The lender will send an assumption package for you to complete and return. Requirements to assume a loan are the same as if you were taking out a new loan. Lenders evaluate your credit, debt-to-income ratio, and resources to determine if you are a good candidate.

    Pay the down payment, closing fees and mortgage buyout costs. Closing costs when assuming a mortgage are usually significantly less than the costs on a regular, new loan.

    Attend the closing. At the closing, you complete the agreement by signing the assumption documentation and taking over the loan.

    Tip

    If the seller’s FHA loan was originated before Dec. 1, 1986, you can assume the loan with a simple assumption process, meaning you bypass the lender’s qualification process. Request an assumption packet from the lender to take over the loan.


    Home-Equity Loan #home #equity #loan #interest #tax #deductible


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    Home-Equity Loan

    What is a ‘Home-Equity Loan’

    A home-equity loan. also known as an “equity loan,” a home-equity installment loan. or a second mortgage. is a type of consumer debt. It allows home owners to borrow against their equity in the residence. The loan is based on the difference between the homeowner’s equity and the home’s current market value. Essentially, it is a mortgage, and it also provides collateral for an asset-backed security issued by the lender and tax deductible interest payments for the borrower. As with any mortgage, if the loan is not paid off, the home could be sold to satisfy the remaining debt.

    Home-equity loans exploded in popularity after the Tax Reform Act Of 1986. as they provided a way for consumers to somewhat circumvent one of its main provisions, which eliminated deductions for the interest on most consumer purchases. The big exception: interest in the service of residence-based debt. Today, with a home-equity loan, homeowners can borrow up to $100,000 and still deduct all of the interest when they file their tax returns (assuming they make itemized deductions ).

    How Big are Home-Equity Loans?

    How much someone can borrow is partially based on a combined loan-to-value (CLTV) ratio of 80% to 90% of the home’s appraised value. The amount of the loan, as well as the rate of interest charged, will of course also depend on the borrower’s credit score and payment history.

    BREAKING DOWN ‘Home-Equity Loan’

    Home-equity loans come in two varieties – fixed-rate loans and lines of credit. Fixed-rate loans provide a single, lump-sum payment to the borrower, which is repaid over a set period of time (generally five to 15 years) at an agreed-upon interest rate. The payment and interest rate remain the same over the lifetime of the loan. They must be repaid in full if the home on which they are based is sold.

    Benefits for Consumers

    Home-equity loans provide an easy source of cash. Obtaining one is quite simple for many consumers because it is a secured debt. The lender runs a credit check and orders an appraisal of your home to determine your credit worthiness and the combined loan-to-value ratio.

    The interest rate on a home-equity loan – although higher than that of a first mortgage – is much lower than that on credit cards and other consumer loans. As such, the number one reason consumers borrow against the value of their homes via a fixed-rate home-equity loan is to pay off credit card balances (according to bankrate.com). Interest paid on a home-equity loan is also tax deductible. as noted earlier. So, by consolidating debt with the home-equity loan, consumers get a single payment, a lower interest rate and tax benefits .

    Benefits for Lenders

    Home-equity loans are a dream come true for a lender, who, after earning interest and fees on the borrower’s initial mortgage. earns even more interest and fees. If the borrower defaults. the lender gets to keep all the money earned on the initial mortgage and all the money earned on the home-equity loan; plus the lender gets to repossess the property and sell it again. Even if it didn’t finance the first mortgage, the lender is making a secured loan. which can be more advantageous than the typical unsecured or personal loan. From a business-model perspective, it’s tough to think of a more attractive arrangement.

    The Right Way to Use a Home-Equity Loan

    Home-equity loans can be valuable tools for responsible borrowers. If you have a steady, reliable source of income and know that you will be able to repay the loan, its low interest rate and tax deductibility makes it sensible alternative.

    They’re generally a good choice if you know exactly how much you need to borrow and what you’ll use the money for. You’re guaranteed a certain amount, which you receive in full at closing. “Home-equity loans are generally preferred for larger, more expensive goals such as remodeling, paying for higher education or even debt consolidation since the funds are received in one lump sum,” says Richard Airey, a loan officer with Finance of America Mortgage in Portland, Maine. Of course, when applying, there can be some temptation to borrow more than you immediately need, since you only get the payout once, and you don’t know if you’ll qualify for another loan in the future.

    Recognizing Pitfalls

    The main problem is that home-equity loans can seem to be an all-too-easy solution for a borrower who may have fallen into a perpetual cycle of spending, borrowing, spending and sinking deeper into debt. Unfortunately, this scenario is so common the lenders have a term for it: reloading. which is basically the habit of taking out a loan in order to pay off existing debt and free up additional credit, which the borrower then uses to make additional purchases.

    Reloading leads to a spiraling cycle of debt that often convinces borrowers to turn to home-equity loans offering an amount worth 125% of the equity in the borrower’s house. This type of loan often comes with higher fees because, as the borrower has taken out more money than the house is worth, the loan is not secured by collateral. Furthermore, the interest paid on the portion of the loan that is above the value of the home is not tax deductible.

    If you are contemplating a loan that is worth more than your home, it might be time for a reality check. Were you unable to live within your means when you owed only 100% of the value of your home? If so, it will likely be unrealistic to expect that you’ll be better off when you increase your debt by 25%, plus interest and fees. This could become a slippery slope to bankruptcy .

    Shop Around

    Because home-equity loans don’t involve as large sums as mortgages, it’s easier to compare terms and interest rates. When looking, “don’t focus solely on large banks, but instead consider a loan with your local credit union ,” recommends Movearoo.com Real Estate and Relocation Expert Clair Jones. “Credit unions sometimes offer better interest rates and more personalized account service if you’re willing to deal with a slower application processing time.”

    As with a mortgage, you can ask for a good faith estimate. But before you do, make your own honest estimate of your finances. Casey Fleming, mortgage advisor at C2 Financial Corporation and author of “The Loan Guide: How to Get the Best Possible Mortgage,” says, “You should have a good sense of where your credit and home value are before applying, in order to save money. Especially on the appraisal [of your home], which is a major expense. If your appraisal comes in too low to support the loan, the money is already spent” – and there are no refunds for not qualifying.

    Just because it’s for a smaller amount of money doesn’t mean that you won’t go through an application process. According to Sahakian, in addition to providing proof of ownership and equity availability, you will need pay stubs for at least the past month, two years of tax returns. three to six months of bank statements, proof of identity and possibly other documentation.

    Run the Numbers

    If you qualify for the loan, be sure you understand how it works. Traditional home-equity loans have a repayment term, just like regular conventional mortgages. You make regular, fixed payments covering both principal and interest. That’s pretty straightforward.

    Before signing, though, you should run the numbers with your bank and make sure the loan’s monthly payments will indeed be lower than the combined payments of all your current obligations. Even though home-equity loans have lower interest rates, your term on the new loan could be longer than that of your existing debts.

    For example, if you have an auto loan with a balance of $10,000 at an interest rate of 9% with two years remaining on the term, consolidating that debt to a home-equity loan at a rate of 4% with a term of five years would actually cost you more money if you took all five years to pay off the home-equity loan. Also, remember that your home is now collateral for the loan instead of the vehicle, so if you default on the home-equity loan, your home is at stake, not your car. Losing your home would be significantly more catastrophic.

    For that reason alone you should try to pay as much as you can on the loan every month to protect your residence from foreclosure. Before doing something that puts your house in hock (or deeper in hock), weigh all of your options. And if you’re getting the loan to pay off plastic, resist the temptation to run up those credit card bills again.


    Easy Ways to Apply for Enrollment – Health Benefits, apply for va


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    Health Benefits

    in VA Health Care

  • Veterans Not Enrolled in VA

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    Easy Ways to Apply for Enrollment

    The very first step in obtaining access to your VA Health Benefits is to apply for enrollment. Effective immediately, Veterans who served in a theater of combat operations after November 11, 1998, can complete applications for enrollment in VA health care by telephone without the need for a signed paper application. All other Veterans may apply by phone starting July 5, 2016.

    When Veterans choose to enroll, VA offers an enhancement to their enrollment experience through Welcome to VA (W2VA). W2VA enhances communication by reaching out to newly enrolled Veterans through personal phone calls upon enrollment, providing assistance with health care inquiries and assisting with their initial appointment at their preferred VA healthcare facility. In addition, VA sends each new enrollee an introductory letter and personalized Veterans Health Benefits Handbook in the mail.

    For more information about the Veterans Health Benefits Handbook, visit http://www.va.gov/HEALTHBENEFITS/vhbh/index.asp

    Here are the convenient ways to apply for enrollment:

    By Telephone

    The telephone application option is a more convenient way to apply for enrollment, and eliminates the need for a signed paper application.

    • VA staff members will collect the needed information and process the enrollment application for an enrollment determination.
    • To apply, call 1-877-222-VETS (8387), Mon-Fri between 8 am and 8 pm, EST.

    Apply Online

    Fill out the application online and electronically submit it to VA for processing. No need for additional documents to verify military service. If you were recently discharged, we will get your military information for you.

    • Click here to complete the healthcare application online.
    • Once you complete the application, you may submit your application online.
    • You will immediately receive a confirmation message notifying you that your application has been received.
    • A signature is not required for online registration.
    • For more information about the application process, click here.
    • You will also receive information about the appeals process, if you do not agree with the enrollment decision.

    Apply in Person

    You may apply in person at your local VA health care facility.

    • Complete the healthcare application online.
    • For more information about the application process, click here.
    • You will also receive information about the appeals process, if you do not agree with the enrollment decision.

    By Mail:

    Pick up an application at your local VA or download, print, and fill out the 10-10EZ, Application for Health Care. Complete the application (be sure to sign it) and mail to:

    Health Eligibility Center

    2957 Clairmont Road, Suite 200

    Atlanta, GA 30329-1647

    What happens once we process your application?

    Veterans already enrolled in VA health care can update their information by completing VA Form 10-10EZR, Health Benefits Update Form

    If you need Help

    For help filling out the form, call 1-877-222-VETS (8387) between 8 a.m. and 8 p.m. ET Mon- Fri and a representative will provide assistance. You may also contact your local VA health care facility.

    Required Signature

    When you apply in person or by mail, you or the person acting as your Power of Attorney must sign and date the form. If your Power of Attorney signs and dates the form you must submit a copy of the Power of Attorney with the form.

    If you sign with an “X,” then two people that you know must witness you as you sign the form. They must also sign and print their names on the form.

    Applicants for Long-Term Care

    Applicants for Extended Care Services (also known as Long-Term Care) may be required to complete VA Form 10-10EC, Application for Extended Care Services The form is required for certain Veterans with annual income over the single pension rate and is used to determine your estimated monthly copayment obligations for extended care services which includes community nursing home care, domiciliary care, adult day health care, geriatric evaluation, and respite care.

    If you want a doctor s appointment scheduled, you may indicate this on the application form.

    Obtaining an Appointment

    You may request a doctor s appointment when you apply for enrollment by checking ‘yes’ to the question asking if you want an appointment on the application. An appointment will be made with a VA doctor or provider and you will be notified via mail of the appointment. If you need health care before your scheduled appointment, you may contact the Enrollment Coordinator, Urgent Care Clinic or the Emergency Room at your local VA.


  • Manufactured Home and Mobile Home Refinancing, Loan, mobile home mortgage loan.#Mobile #home


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    VA Loan Refinance – Understanding the IRRRL and Cash-Out Options, cash-out refinance


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    Refinancing with a VA Loan

    Understand the different VA Loan refinancing options available to homeowners wanting to take cash out or work to receive a better rate.

    What is VA Refinancing ?

    Through the VA Loan, eligible veterans , service members and surviving spouses of service members have access to special refinancing options designed to lower monthly mortgage costs or provide the ability take cash out of a home’s equity.

    Benefits of VA Loan Refinancing

    Those interested in reducing their mortgage rate should consider the VA Streamline refinancing , otherwise known as an IRRRL ( interest rate reduction refinance loan ). With the VA Streamline, homebuyers have the opportunity to lower their interest rate, providing additional cash flow each month.

    Additionally, homeowners have the ability to change the terms of their loan, switching from an adjustable rate to a fixed-rate, or a 30 year to a 15 year loan in order to pay off their mortgage sooner.

    Those contemplating taking cash out of their home’s equity should consider the VA Cash-Out refinance. With the Cash-Out refinance, homebuyers can use the equity in their home to help pay other obligations.

    Additionally, homebuyers wanting to refinance from a different loan program into the VA Loan can do this through the Cash-Out refinance program.

    VA Interest Rate Reduction Refinancing

    The VA Streamline, which is officially known as an Interest Rate Reduction Refinance Loan, or IRRRL, was created so that eligible homeowners had the opportunity to receive a lower rate and decrease monthly expenses.

    In order to qualify, the homeowner is required to currently have a VA Loan and must also receive a lower interest rate and lower monthly payments with the refinance. That is, unless the borrower is refinancing an adjustable rate mortgage to a fixed rate.

    The VA does not require a credit check or home appraisal to receive a VA Streamline Refinance; however, in today’s lending climate, those considering a Streamline Refinance should expect lenders to look at credit scores as well as order a home appraisal.

    With the Streamline Refinance, origination fees and total costs are capped to keep the up-front costs as low as possible for the homeowner.

    VA Cash Out Refinancing

    Another popular refinancing option is the VA Cash-Out Refinance, which allows you to tap into your home’s equity and extract cash. Borrowers aren’t required to have a VA Loan in order to choose this option; many homeowners use the cash-out option to refinance from an FHA or conventional loan.

    Qualified homeowners may be able to refinance up to 100 percent of their home’s loan-to-value and use the proceeds for home repairs, remodeling and other needs.

    When to Refinance

    Homeowners considering a VA Loan refinance should understand that timing is everything when refinancing a mortgage.

    In most cases it wouldn’t make sense to refinance a mortgage if you don’t plan on staying in that home for the near-future, just like it wouldn’t make sense to refinance at a time when interest rates are soaring.

    Your goal should be to achieve a lower interest rate that cuts monthly payments, significantly decreasing the amount of interest paid over the life of the mortgage.

    Question Not Answered?

    Still haven’t found the answers you are looking for?

    Contact a Veteran Loan Center representative today to receive detailed answers to your specific question.

    Call us at (888)258-6879 or fill out the form above.


    Credit Union Deposit – Loan Rates, RBFCU, title loan rates.#Title #loan #rates


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    Title loan rates

    Title loan rates

    RBFCU offers competitive rates and options on our loan and deposit products. We strive to ensure each member has the tools and resources needed to work toward a healthy financial future. Whether you need an auto loan, a personal loan, a savings account or a mortgage, we re here to offer you the products you need at the best rate possible.

    Below are our annual percentage rates (APR) and annual percentage yields (APY) associated with deposit accounts, consumer loans, mortgages and home equity loans.

    • Deposit Rates
    • Auto Loans
    • Personal Loans
    • Credit Cards
    • Mortgage Loans
    • Home Equity Loans

    The is current as of:

    The is current as of:

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    With high-value products and services, Randolph-Brooks Federal Credit Union (RBFCU) is a trusted financial partner for thousands of members in Texas, as well as around the world. RBFCU offers all the banking services you would expect from a leading credit union, and we’ve also made it our mission to help improve our members’ economic well-being and quality of life. Our commitment to personalized service makes RBFCU membership the smarter banking choice.

    Any alternate website that you visit by a link from RBFCU’s website is solely the responsibility of that entity. Third-party links accessed from this site are provided for the convenience of RBFCU members. RBFCU is not responsible for the content of the alternate web site and does not represent either the third party or the member if the two enter into a transaction. Privacy and security policies on the third-party site may differ from those practiced by RBFCU.

    Contact us today or stop by a local branch to find out how you can become a member.

    Federally Insured by NCUA. Equal Housing Lender. Title loan rates

    Randolph-Brooks Federal Credit Union 2017.


    Foreclosure Lawyers #stop #foreclosure, #bankruptcy #lawyers #in #queens, #cheap #bankruptcy #lawyers, #foreclosure


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    Queens Foreclosure Lawyers

    Foreclosure defense in Queens, Brooklyn, Bronx and Nassau County. Our legal team will help you Stay in Your Home .

    Poltielov Habib, LLP is a foreclosure defense and bankruptcy law firm servicing clients in Queens, Brooklyn, Bronx, Staten Island, Manhattan, Nassau, Suffolk and Westchester Counties. Our New York lawyers offer personalized legal representation to our clients to achieve the best results possible. We take pride in our work and strive to achieve the most for our clients.

    If you have been served with a notice of foreclosure by your bank or have been served with a summons and complaint, a Queens foreclosure defense lawyer at Poltielov Habib, LLP may be able to help you. Foreclosure is a very stressful and daunting process, but you do not have to lose your home. Our foreclosure defense lawyers will take the time to explain the process of defending you in your foreclosure. By consulting a foreclosure attorney at our firm as soon as possible, you can fully understand your options and fight to stop foreclosure.

    Queens, Brooklyn, Bronx, and Nassau County Bankruptcy Lawyers

    Our Bankruptcy Attorneys will take the time to explain the process of filing for bankruptcy, and our low fees make it possible for most people to file and get a fresh start. Our Chapter 7 Bankruptcy Lawyers can eliminate debt, stop collections, stop wage garnishment, stop the eviction process, stop foreclosure, and get rid of old IRS debt as well as judgments. Most people file Chapter 7 bankruptcy to get rid of credit card debt and medical bills, and are surprised to learn that the benefits of filing extend far beyond wiping out that debt. Filing Bankruptcy is usually a great step towards re-building credit.

    Our Chapter 13 bankruptcy attorney can immediately stop your foreclosure, eliminate your debt, stop collections, and eliminate [strip] a second lien, if possible. Filing a Chapter 13 is usually the best way to stop a foreclosure and save your home. A Chapter 13 bankruptcy can often achieve a more favorable forbearance and/or re-instatement agreement, as long as you can afford to keep paying the mortgage and get caught up on missed mortgage payments.


    Gainesville Foreclosure Attorney – Rory K #foreclosure #attorney, #foreclosure #defense, #stop #foreclosure,


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    Foreclosure Attorney in Gainesville

    If you are serious about saving your home the first question on your mind should be, “How is `Foreclosure Defense’ even possible?”. Banks argue you agreed to a debt (your mortgage). If you’re having problems paying it isn’t their problem – and anyone who advocates otherwise is a fraud.

    The truth of the matter is that in order to keep the momentum of the steam roller that is the mortgage industry rolling lenders and brokers often crossed ethical – and legal – lines that can be use in your defense. The bank may have you feeling like you have no options – but the truth of the matter is is that they are the ones with their hands in the cookie jar. They’re afraid they’re going to get caught.

    We do not advocate launching a complex sustained foreclosure defense “pro se”, but for those unable to handle the financial burden of an attorney we’ve created a resource that offers a foreclosure knowledge center with news, and a comprehensive collection of foreclosure forms and guides (many used by legal counsel in Florida) virtually free of charge at UdoLegal.com.

    Before retaining anyone educate yourself about the foreclosure process – learn your options and familiarize yourself with the current status of the foreclosure industry. Make sure your next decisions are the right ones.

    STOPPING FORECLOSURE

    There may be no guarantees, but recent developments have greatly enhanced the number of favorable outcomes of foreclosure defense efforts nationwide. Take a few moments to review these videos – Florida Congressman Grayson demands for an investigation into illegally “robo-signed” affidavits used in over 50,0000 foreclosure cases, Ratigan on MSNBC covers growing “fraudclosures” nationwide . and several Judges nationwide support a class action suit against bank funded “foreclosure mills”.
    note: Videos require a moment to load in Firefox.

    KEEP YOUR HOUSE

    Our primary goal at Rohan Law truly is saving homes. Which means ensuring all – regardless of financial status – are afforded a fighting chance to save their property.

    It requires years of experience in litigation and real estate law as well as special training in foreclosure law to launch an effective defense. We encourage only those with no other recourse to use the materials provided on UDolegal.com.

    FORECLOSURE LAW

    Over thirty years as an attorney, developer, construction contractor and real estate professional has given Mr. Rohan a unique perspective in defending foreclosure matters. He was educated at the prestigious University of Florida Warrington School of Business and at the renowned University of San Diego ALCALA School of Law, both excellent institutions of higher learning.

    FORECLOSURE DEFENSE

    An aggressive defense to foreclosure is really the only path forward and we will provide that aggressive defense. My team and I will find the problems with the plaintiff’s pleading and bring those issues to the attention of the judge over and over until we are able to convince the judge that the foreclosure is not proper and should not go forward. We will force the plaintiff to prove their case and we will not rest until you are afforded the proper defense that you deserve.


    Mortgage Calculator – Mortgage & Loan Calculators – Mortgage 101, how to


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    how to apply for mortgage loan

    How to apply for mortgage loan

    A mortgage payment calculator is a great tool to help home buyers estimate the cost of monthly mortgage payments. Whether you’re interested in mortgage refinancing or looking to see how much tax you can deduct, these free mortgage calculator tools are here to help you. If you’re interested in simple calculation of your mortgage use the tool calculator above. Otherwise, look through the different mortgage calculators below.

    How to apply for mortgage loan

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    Purchase Calculators

    This calculator helps you identify how much you are able to afford when you are searching for a home.

    Compare your total monthly obligations including your total mortgage payment to your monthly income.

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    This calculator estimates the tax benefit of buying a home.

    Estimate the Annual Percentage Rate (APR) for a mortgage loan using your mortgage rate.

    Compute your initial and estimate your future payments with Mortgage 101 ARM Loan Payment Calculator.

    Refinance Calculators

    Helps you understand if you should pay loan points during your refinance.

    Figure how long before your savings equal the cost of obtaining a new consolidation loan.

    Figure your principal balance after any number of payments.

    Figures how long your mortgage will last depending on how much you pay monthly.

    This calculator will amortize your mortgage over the loan period based on your input.

    Estimate the Annual Percentage Rate for an Adjustable Rate Mortgage based on input parameters.

    The Mortgage 101 Blog

    How to apply for mortgage loan


    Mortgages & Home Loans – Refinance & Interest Rate Calculators, how to


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    CHECK MORTGAGE RATES

    MORTGAGE NEWS

    American homeowners are tapping their home equity again, with the cash-out share of refinances rising to its highest rate since 2008, according to data from Bla.

    Mortgage Calculator

    Find out your estimated monthly payment.

    Refinance Calculator

    Should you refinance your mortgage? Figure your monthly savings. Compare your principal balance in years with and without refinancing.

    Loan Calculator

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    Mortgage Payment Calculator

    Tool to help home buyers estimate the cost of monthly mortgage payments.

    SEARCH RATES

    Mortgage 101 Daily Rate Averages are collected for standard mortgage programs from over 700 companies in 50 states and the Disctrict of Columbia.

    More Rates

    MORTGAGE ARTICLES

    Applying for a Mortgage after a Bankruptcy

    By understanding the requirements to get a mortgage after a bankruptcy and by carefully rebuilding your credit standing, you can apply for a loan and buy a home.

    What Are Typical Mortgage Down Payments?

    Traditional mortgage down payments have always been 10 to 25 percent of the total purchase price of the property.

    Second Mortgages: Advantages and Disadvantages

    A second mortgage is a loan taken out against the value of your property, in addition to your primary mortgage. These loans can offer great benefits, but they certainly come attached with some large risks as well.

    The content on this site is provided for informational purposes only and is not legal or professional advice. Advertised rates on this site are provided by the third party advertiser and not by us. We do not guarantee that the loan terms or rates listed on this site are the best terms or lowest rates available in the market. All lending decisions are determined by the lender and we do not guarantee approval, rates or terms for any lender or loan program. Not all applicants will be approved and individual loan terms may vary. Users are encouraged to use their best judgment in evaluating any third party services or advertisers on this site before submitting any information to any third party.

    How to apply for home loan


    Can You Refinance A Home Equity Loan #home #equity #loan #facts


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    Can You Refinance A Home Equity Loan

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    25-Й час (2002), hour title loan.#Hour #title #loan


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    25-Й час (2002)

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    Storyline

    The 25th Hour depicts the last day of freedom for a young man before he begins serving a seven-year jail term for drug dealing. Prowling through the city until dawn with his two close male friends and his girlfriend, he is forced to re-examine his life and how he got himself into his predicament, which leads to a shocking, disturbing finale. Written by Justin Harris [email protected]

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    Kostya Novotny : This dog, how you call it? Bull pit?

    Monty Brogan : No, Pit-Bull. But that’s not a pit bull. I don’t know, I don’t know what he is. I bet he lost somebody some money though. Give me your gun.

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    Some people will tell you this movie is not what they had expected but these are the same people who didn t get fight club. Just watch this movie and you ll understand. The soundtrack throughout the movie does NOT distract you from the movie, hey maybe you were expecting THE English PATIENT#@$%, This is one of Ed Norton s finest performances. The side actors were very good as well but he really shines. Brian Cox does a fantastic job as his father. Without him, the movie wouldn t be told right. This is a movie that takes patience to understand. Not for anyone who wants to change the channel after the first 3 minutes.


    The Real Cost of Leasing vs #buying #solar #panels, #leasing, #solar #electric


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    The Real Cost of Leasing vs. Buying Solar Panels

    Buying solar panels requires an investment and more decision-making than leasing, but over the long term the benefits of owning your system are hard to beat.

    Best Ways to Pay for Your Panels

    Cash
    Buying your solar electric system outright is best. It usually costs $15,000 to $20,000 after tax credits and can reduce your electricity bill by 70 to 100 percent, depending on the size and orientation of your roof and local regulations. Most systems pay for themselves in five to seven years.

    Home Equity Loan
    If you need to finance your solar panel purchase, the most cost-effective way to do it is to use a home equity loan or a home equity line of credit. Because your house serves as collateral, these options have low interest rates (currently about 3 to 5 percent). The interest you pay is tax deductible. Equity loans range from 5 to 20 years and usually have fixed interest rates. Equity lines last 10 years and have variable rates (so the interest may increase).

    Solar Loan
    There are unsecured and secured solar loans. With an unsecured loan, your house doesn’t act as collateral and the interest isn’t tax deductible. Many solar installers work with lenders that offer solar loans, but you’ll probably find better rates by directly checking with banks, and credit unions. Watch out for high origination fees. Fannie Mae also offers consumers financing for solar system installations through its HomeStyle Energy Mortgage Program when they buy a new house or refinance.

    Why Leasing Isn’t a Bright Idea

    The steep up-front costs for a residential solar system can make a leasing company’s sales pitch sound pretty appealing: Pay little or nothing and save hundreds of dollars per year on average. (The premise is that you save because the combination of your lease payment and your electric bill is less than what you currently pay for power.) Leasing can also look seductively simple compared with buying: There’s no need to shop separately for an installer and financing; you just sign on the dotted line. So it’s not surprising that 72 percent of the people who installed residential solar systems in 2014 did so through leasing or another type of third-party arrangement. But the reality is not quite so sunny.

    Your Savings Will Be Modest
    People who lease their solar systems save far less than those who buy them outright or with a loan (they also miss out on federal tax benefits and any local incentives). Many leases contain an escalator clause that can further reduce savings by increasing payments 3 percent per year. So if you’re paying 12 cents per kilowatt-hour in year one, with a 3 percent escalator, you’ll be paying 18.2 cents in year 15. That means that if the cost of energy doesn’t rise as quickly as the contracted lease payments increase, your savings could evaporate.

    You Lose Control of Your Roof
    Leasing companies want to maximize their profit, so there’s a chance you could wind up with more panels than you want and that they could be installed in highly visible places—such as facing the street—without any regard to appearance. To avoid that, check the final system design and placement before signing the lease. It could be different from the initial mock-up.

    Leases Can Scare Off Home Buyers
    If you put your house on the market before the lease is up (usually 20 years), you will either have to buy out the lease or the person purchasing your home will have to assume it—which some are reluctant to do.

    That’s what happened to Andrew and Nora Barber, who had to buy out the lease on the solar system on their Clovis, Calif. home after two prospective buyers were frightened away by it. “I offered the solar company $16,000, which was the total of all the payments for the remainder of the contract,” Andrew says. “But $21,000 was the buyout price in the contract, and the company wouldn’t budge.”

    Some solar leasing companies may offer to relocate their systems from one house to another. That could cost $500 for an initial audit and another $500 to transfer the panels, if the leasing company determines it can be done. You would also need approval from your utility and local landmarks commission or the condo or homeowner’s association, if applicable. Plus the new house must be able to accommodate the old system.

    And remember: At the end of the lease, the solar company could remove the system—and your savings along with it.

    Service Plans Don’t Serve You
    Though leasing companies tout their service plans, maintenance is a red herring. “Generally, there’s really no scenario where the maintenance plan is going to kick in,” says Joshua Pearce, an engineering professor and solar expert at the Michigan Tech Open Sustainability Technology Lab. Equipment problems aren’t covered by the maintenance plan, they’re covered by the warranty. And if a storm destroys your panels, the damage may be covered by your homeowners insurance.

    That’s why—whether you buy or lease—it’s essential that you inform your insurer. (Roof-mounted solar is generally added as part of a standard homeowners policy at no additional cost; ground-mounted solar may require an insurance rider.)


    Compare Small Business Loans for Good, Average and Bad Credit #womens #small


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    Online small business loans for you

    Loading your loans.

    *Annual Percentage Rates (APR), loan term and monthly payments are estimated based on analysis of information provided by you, data provided by lenders, and publicly available information. All loan information is presented without warranty, and the estimated APR and other terms are not binding in any way. Lenders provide loans with a range of APRs depending on borrowers credit and other factors. Keep in mind that only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend on factors like credit score, requested loan amount, loan term, and credit history. All loans are subject to credit review and approval.

    The government-guaranteed business loan program works with banks to offer low interest rates and long-term repayment. SBA loans offer low rates and long repayment terms. But the process is time consuming and the requirements are strict. Only those with great personal credit, strong business finances and the bandwidth to wait for funding should apply. – Loan amounts: $30,000 to $5 million – APR range: 7% to 8% – Good for: large one-time investments, purchasing real estate or equipment, buying existing businesses, refinancing debt

    Online lenders offer term loans of up to $500,000. For a short-term loan, the repayment period typically ranges from six to 12 months, while a long-term loan’s repayment can extend up to 10 years or longer in some cases. – APR range: 7% to 98% – Good for: large one-time investments

    A business line of credit provides you with access to flexible cash. Lenders give you access to a specific amount of credit (say, $100,000), but you don’t make payments or get charged interest until you tap into the funds. – Credit line range: $2,000 to $500,000 – APR range: 9% to 108% – Good for: managing cash flow, handling unexpected expenses and financing short-term business needs.

    Invoice factoring lets your small business turn its invoices (the money owed by customers that has yet to be paid) into immediate cash. You sell the invoices to a factoring company, which then gets paid when it collects from your customers. If you’d rather maintain control over your invoices, invoice financing is an alternative to factoring. – Financing amounts: $500 to $500,000 – APR range: 11% to 64% – Good for: managing cash flow, short-term financing

    Only about 1 in 5 businesses that apply for a loan from a big bank are approved. To solve that problem, we work with online lenders that specialize in making the loan application process simple. Plus, they’re faster and offer more competitive rates than many banks.

    How does NerdWallet make money?

    We make money when you get the funding you need. Some of the loan providers on our site pay us a referral fee when customers like you get approved for a loan. We always try to find the best option for you, even if we don’t have a paying relationship with that lender. We also actively turn down offers from lenders that we feel seek to take advantage of small business owners. Read more about how we make money .


    FHA 203k loan rehab guidelines and requirements #fha #203k #loan,203-k,home #improvement #loan,fha,


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    HUD FHA 203k loan rehab program

    Search for a 203-k Consultant

    The Federal Housing Administration (FHA), which is part of the Department of Housing and Urban Development (HUD), administers various single family mortgage insurance programs. These programs operate through FHA-approved lending institutions which submit applications to have the property appraised and have the buyer’s credit approved. These lenders fund the mortgage loans which the Department insures. HUD does not make direct loans to help people buy homes.

    The FHA 203k loan program is the Department’s primary program for the rehabilitation and repair of single family properties. Basically a home improvement loan. As such, it is an important tool for community and neighborhood revitalization and for expanding homeownership opportunities. Since these are the primary goals of HUD, the Department believes that FHA 203k loan is an important program and they intend to continue to strongly support the program and the lenders that participate in it.

    Lenders have successfully used the FHA 203k loan program in partnership with state and local housing agencies and nonprofit organizations to rehabilitate properties. These lenders, along with state and local government agencies, have found ways to combine the FHA 203k loan with other financial resources, such as HUD’s HOME, HOPE, and Community Development Block Grant Programs, to assist borrowers. Several state housing finance agencies have designed programs, specifically for use with FHA 203k loan and some lenders have also used the expertise of local housing agencies and nonprofit organizations to help manage the rehabilitation processing.

    HUD also believes that the FHA 203k loan program is an excellent means for lenders to demonstrate their commitment to lending in lower income communities and to help meet their responsibilities under the Community Reinvestment Act (CRA). HUD is committed to increasing homeownership opportunities for families in these communities and Section 203(k) is an excellent product for use with CRA-type lending programs.

    This program can be used to accomplish rehabilitation and/or improvement of an existing one-to-four unit dwelling in one of three ways:

    � To purchase a dwelling and the land on which the dwelling is located and rehabilitate it.

    � To purchase a dwelling on another site, move it onto a new foundation on the mortgaged property and rehabilitate it.

    � To refinance existing indebtedness and rehabilitate a dwelling;

    To purchase a dwelling and the land on which the dwelling is located and rehabilitate it, and to refinance existing indebtedness and rehabilitate such a dwelling, the mortgage must be a first lien on the property and the loan proceeds (other than rehabilitation funds) must be available before the rehabilitation begins.

    To purchase a dwelling on another site, move it onto a new foundation and rehabilitate it, the mortgage must be a first lien on the property; however, loan proceeds for the moving of the house cannot be made available until the unit is attached to the new foundation.


    Can You Buy a Home With No Down Payment? ReadyForZero Blog #down


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    Can You Buy a Home With No Down Payment?

    Prior to the Great Recession, it was fairly easy to buy a home with no down payment. But the mortgage crisis and the financial crisis shook things up a bit. Credit requirements especially for home loans tightened substantially.

    Many home buyers began turning to FHA loans (which require as little as 3.5 percent down as of this writing) once the number of zero-down mortgages began drying up.

    Now that the Great Recession is fading away, things are changing again. Just as many home buyers thought that the FHA loan required a too-high down payment prior to the mortgage market problems, that mindset is creeping back since it’s possible to find zero-down home loans again. Just remember, if you do get a mortgage, make a plan for how you re going to pay those payments and track your plan using a tool like ReadyForZero .

    Conventional Lending and Zero-Down Mortgages

    While it’s not exactly easy to buy a home with no down payment in the current climate, it is possible if you can show that you have adequate income and a good credit score. You’ll also have to be willing to pay a higher interest rate. The price you pay for having no “skin in the game” is a mortgage rate that ensures that you’ll pay extra tens of thousands of dollars over the life of your home loan compared to borrowers who have down payments. You will also probably need to purchase private mortgage insurance (PMI).

    In some cases, lenders will get a little creative with the financing. You might be able to take out two mortgages: The first is for 10 percent or 20 percent (depending on the lender) of the purchase price. This serves as your “down payment” even though you aren’t actually putting anything down. The other loan is for the remainder of the purchase price. But before you do this, realize that the interest rate on the small mortgage serving as your down payment will probably be higher than the rate on your “real” mortgage.

    There are other creative ways to avoid the down payment, from getting a gift from a close relative or friend, or participating in local housing programs that allow you to use “sweat equity” to help pay for your home. In the latter case, you do some of the work building your house, and helping build others’ homes, and in return you don’t have to worry about a down payment.

    Buying or Selling a Home in 2016?

    Agent Ace uses historical home sale data to identify the #1 agent in your market to find your perfect home or sell your home for more. Get My Agent

    Government Programs and Zero-Down Mortgages

    On the other hand, if you qualify for certain government programs that could provide an avenue for you to buy a home with no down payment. One of the most popular loan programs that allow you to buy a house without a down payment is the VA loan program. This program is only available to military veterans and to their surviving spouses. Depending on your credit situation and income, you might qualify for a zero-down VA loan.

    There are also government programs that will help you buy a home with no down payment if you are willing to buy in qualified rural areas. or in qualified high-crime areas. These programs are designed to help bring greater prosperity to certain areas with the introduction of homeowners. If you take the risk in rural or high-crime areas, you might be able to get a low-cost home without the need for a down payment.

    As with all mortgages, zero-down home loans require that you show that you have good credit, and that you are likely to handle the payments. Someone is taking a risk on you, whether it’s a conventional lender, the government, or even the seller.

    But Should You Buy a Home With No Down Payment?

    Now that you know there are options for buying a home with no down payment, the question remains: is it a good idea?

    In most cases, we’d recommend using a down payment when buying a house. This does a few things that will help you in the long run: (1) if you play your cards right and do your research, you’ll be able to get lower interest rates when you have a down payment; (2) by paying a portion of the cost of the house up front, you’ll be closer to having the house paid off than if you start with no equity in the home; and (3) the experience of saving up for a down payment will help you prepare for homeownership which often requires having an emergency fund to deal with any unexpected repairs or maintenance issues that may arise.

    While many individuals and families are eager to begin their new life as homeowners, it’s usually a good idea to wait until you have a down payment so that you can start that new life on stronger financial ground. If you’re currently deciding whether to take the leap into homeownership, use our Mortgage Resource Center to help get prepared. And also check out our blog posts on What Should You Do Before Buying a House. What Is a Good Credit Score for Buying a House. and How Much of a Mortgage Can I Afford .

    Are you currently deciding whether to buy a house or how much of a down payment to use? Share your thoughts or questions in the comments below!

    This post was published by Miranda, ReadyForZero Writer for » ReadyForZero. ReadyForZero is a company that helps people get out of debt on their own with a simple and free online tool that can automate and track your debt paydown.


    Car Loan Refinance Application #refinance #car #loan #with #cash #back


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    Ready to Lower Your Car Payment? It’s Fast, Easy and Free

    OpenRoad is an award winning, customer focused, online auto finance company trusted by tens of thousands around the country. Since 2009 OpenRoad has helped put hundreds, even thousands of dollars back in our customer’s pockets. With favorable loan terms for all credit types, our experts will customize a solution that best fits your needs.

    OpenRoad is an award winning, customer focused, online auto finance company trusted by tens of thousands around the country. Since 2009 OpenRoad has helped put hundreds, even thousands of dollars back in our customer’s pockets. With favorable loan terms for all credit types, our experts will customize a solution that best fits your needs.

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    Financing Your New Car With OpenRoad is Quick, Easy Secure

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    • Having your financing approved and your OpenRoad eCheck in hand empowers you to negotiate and purchase like a cash buyer.
    • Applying in the comfort and privacy of your own home eliminates possible surprise or embarrassment at the dealership.
    • With your financing secured you can focus on obtaining manufacturer incentives, getting you the best deal possible.
    • Experienced Loan Care Agents to prepare you for the Dealership experience

    Our Customers

    “I was able to apply and purchase a car in just a few hours. The dealership told me they were shocked at how fast they responded. Will never finance a car another way again.” Lisa G. – WA

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    Colorado Home Mortgage Refinance or Purchase of a Home #kc #mortgage #llc,


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    Click here to check out my BBB rating!

    KC Mortgage Colorado is a Castle Rock Mortgage Broker. locally ownedand operated. We are licensed, bonded and insured. Our website is the quick and easy place to get started towards qualifying and applying for a Purchase or Refinance Home Mortgage inColorado. We know that each customer has specific needs, so we strive to meet those needs with a wide array of services.

    We are a Colorado Mortgage Broker that offerscompetitive mortgage rates and closing costs. The products that we offer include, FHA,VA, USDA, Conventional, Fannie Mae Homepath,Jumbo, Reverse mortgages, 203k streamlines and First Time Homebuyers.

    Wewill work with you on an individual basis on the purchase ofa new home or refinancing your current home. We willexplain programs and options that you may not know about. We will let you know what loan programs you qualify for and which onesto avoid in your particular situation. We have the team that can meet your mortgage needs.

    Kay Cleland is a Lending Integrity Seal Holder.*

    NMLS#265374, CO#100026748, Company NMLS#37430

    Regulated by theDivision of Real Estate

    For Verification of State Licensing Click Here

    Recent Articles

    The Benefits of an FHA Loan
    FHA loans are a popular home loan choice for borrowers. Qualifying standards tend to be more flexible and down-payment requirements are lower when compared to other home loan options. Read on to see what makes an FHA loan an attractive mortgage option and learn how you can take.

    What Factors Are Looked At When Applying For A Mortgage?
    Before you shop for your new home, prepare to qualify for a mortgage loan. Preparing will help eliminate confusion while ensuring that the process goes as smoothly as possible. These are six factors reviewed during mortgage approval process. 1. Residence.

    How to Compete with an All-Cash Home Purchase Offer
    The housing market goes through shifts, and currently, we are in what is commonly known as a seller s market that is, a market in which there are more buyers than there are homes for sale. As a result, competition between buyers will increase, and you may even.

    Qualifying for a Mortgage on Part-Time Income?
    Today, it’s more common than ever for individuals to make a living by working one or more part-time jobs instead of a traditional 9-to-5, 40-hour-a-week job. The assumption is that most people that choose part-time over full-time are either retired individuals or college students.


    Best Bridging Loans UK – Fast Decision Bridging Finance #bridging #loan,bridging #finance,lender,broker,uk,residential,commercial,deals


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    Low cost bridging loan deals

    As a specialist bridging finance broker with access to a number of lenders in the UK, we’ll get the best possible deal for you.

    Our bridging loans are designed to suit your individual requirements and we have access to exclusive lending facilities and can beat or match any arrangements that you may have already been offered.

    We can arrange a bridging loan from �30,000 to �5 million on a first or second charge basis. Terms are available from 1-12 months with extensions available. Rates are very competitive.

    We operate a flexible approach to bridging finance and can arrange loans for people with a good or bad credit history, the self employed and limited companies with no accounts.

    Simply complete our quote request form or call us on 0800 292 2115

    Plugging the finance gap

    Traditionally, bridging loans have provided a solution in the broken residential chain. Bridging finance enables someone to purchase one property before they complete on the sale of another.

    So when a buyer for the borrowers property pulls out, they could opt to take out a loan against an existing property (as long as it is not the borrower’s home) to allow them to complete on the purchase of their new home.

    Bridging can also be used where the property in question is unsuitable for mainstream mortgage purposes, where a mortgage offer may have been withdrawn, or where there is a time constraint such as buying at an auction.

    Getting deals done

    In recent times, the credit crunch and subsequent recession has changed the financial landscape considerably. A dramatic fall in mortgage approvals and LTV ratios has meant even quality borrowers have experienced difficulties in securing finance.

    As the mortgage market has stagnated, the role of bridging finance lenders has become increasingly important as a mechanism for getting deals done.

    Bespoke approach

    Specialist short term lenders can often be distinguished from their high street counterparts because they tend to be more flexible in their approach meaning they will look far more closely at a borrower’s circumstances rather than simply applying computer generated credit scoring techniques. Each bridging loan is assessed on its own merits to determine whether it’s a sensible course of action from the perspective of both the borrower and the lender. If the deal makes sense, bridging lenders will do their best to make the funds available as quickly as possible, often within days.

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    Think carefully before securing other debts against your home.
    Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.


    Credit Requirements for VA Loans Explained #va #loan,personal #finances


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    Money

    Credit Requirements for VA Loans Explained

    Military.com | by Grant Moon

    In the past when a veteran wanted to use the VA home loan benefit in order to buy and finance a home with nothing down, the VA would ultimately approve the loan application. The VA would not just issue the approval but order the appraisal and set the VA interest rate for the loan. You can imagine the time it would take just to get a loan approval from the VA and one of the reasons many sellers at times would refuse an offer on a home if the buyer was using a VA loan for the purchase it simply took too long.

    Today however, the approval process is completely performed by approved VA lenders. The VA doesn’t approve the loan but does issue the requirements that lenders must follow if the lender expects to receive the VA loan guarantee. From debt ratios to employment history, it’s all up to the lender. And that of course includes the creditworthiness of the borrower. What are the credit requirements for a VA loan?

    Credit Score Evolution

    Prior to the introduction of credit scores, a VA lender would review a credit report line item by line item to manually evaluate a credit report. The credit report contains information about a trade line, how much is owed, the monthly payments and whether or not the payments were made more than 30, 60 or 90 days late. The report also listed any outstanding or paid collection items, charge-offs and judgments. If the underwriter saw any derogatory credit, unless it was a missed payment or two, the loan would likely be declined.

    The FICO company devised a complex analysis of payment patterns to produce a three digit number reflecting a borrower’s credit past as a way to predict the future. This number ranges from 300 to 850 and the higher the number, the better the credit. The three main credit agencies, Experian, Equifax and Transunion all use the FICO model and report their scores to a VA lender when asked. The numbers will be similar to one another but rarely exactly the same. Because information can be reported differently and at different times to the credit agencies by creditors, the three digit numbers will be slightly off. For example, a VA lender might receive three scores of 734, 746, and 752. The lender will use the middle score and throw out the lowest and highest.

    The VA doesn’t set a minimum score but VA lenders do. Most VA lenders require a minimum 640 credit score but still others have a 620 rule. That means if your scores are low and the VA lender declines your loan because your score is 635, another VA lender could approve your VA loan request because the 635 score is above their 620 minimum.

    Bankruptcies, Foreclosures and VA Loans

    It’s true that a bankruptcy or a foreclosure can stay on your credit report for seven years but that doesn’t mean you have to wait that long in order to use your VA home loan benefit. In fact, in the instance of a foreclosure, you may qualify if more than two years have passed since the foreclosure date. If you used your VA entitlement and it was involved in the foreclosure, the amount of the entitlement in the foreclosure must be redeemed.

    VA loans allow for a bankruptcy in the past as long as two years have passed since the discharge date and credit has been re-established. This is very important. A VA lender will have a difficult time approving a VA loan if there is even one late payment over the past two years. The most important payment to keep current is your rent in addition to your utility payments and mobile phone bill. Some VA lenders can use such payments as evidence of timely payment and is called alternative credit. A bankruptcy or a foreclosure will hurt your scores, but eligible veterans can repair the damage to the credit report sooner rather than later. It’s done every single day.


    Va loan refinance options #va #loan #refinance #options


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    ATM Branch Locator

    Barksdale Federal Credit Union is your home loan headquarters. For qualified members, a Barksdale Federal home loan is fast, easy and convenient. We offer fixed rate and adjustable rate loans with terms to fit your needs. Rate information is subject to change daily.

    Before you start shopping for a new home, visit with one of Barksdale Federal s Home Lending Consultants (HLC) and get pre-qualified for your home loan. You ll be able to shop for a new home in the price range that best fits your budget. Call 800-647-2328, option 8, to visit with an HLC today.

    FHA, VA Conventional

    VA financing is designed to benefit veterans of the armed services, those currently in active duty or the reserves, and their spouses. In order to qualify for VA financing you must be eligible as defined by the Department of Veterans Affairs.

    Conventional Loans are Fixed in 10, 15, 20, or 30-year terms with the interest rate remaining fixed for the life of the loan.

    Refinance

    If you are interested in lowering your interest rates and payments, refinancing may be the option for you. We have refinance options up to 95% loan-to-value, fixed rate terms available, and local underwriting servicing.

    Interim/Permanent Construction

    You can receive financing during the construction phase with a permanent loan to payoff interim financing. This type of loan can be extremely helpful to those who may not be able to accurately anticipate the final costs.

    Second Mortgage Refinance

    Unlock the equity in your home! Our fixed rate Equity Loan unlocks the equity in your home* for you to use for a variety of purposes such as education, vacation, home improvements, credit card consolidation, vehicles – you name it. It s your equity; use it for you!

    *$500.00 non refundable application fee on loans greater than $100,000.00.

    Home Equity Line of Credit (HELOC)

    A Barksdale Federal HELOC is a revolving line of credit with special FREE checks. When you use your HELOC, you literally write yourself a loan for whatever your special need may be. You may also access your funds through ACCESS24 (phone account access) and Global Access (internet account access). You can use your HELOC to:

    • Pay off higher interest rate credit cards
    • Purchase something special
    • Simply lower your monthly expenses by consolidating debt
    • Any other special need

    The benefits include:

  • You can borrow as little as $10,000 or as much as $100,000
  • No origination fee
  • No appraisal fee
  • No points
  • No annual fee*
  • Borrow up to 95% of the equity in your home*
  • Interest you pay may be tax deductible (consult a tax advisor)
  • *$300 Fee may apply if initial draw is less than $10,000.

    Land Loan

    Application Information

    Property Information

    • If purchasing, copy of Purchase Agreement
    • If refinancing, copy of mortgage and insurance declaration page
    • If construction, copy of plans and specifications
    • If you currently own property, copy of cash sale deed or mortgage

    Borrower Information

    • Copy of divorce documents
    • Copy of bankruptcy proceedings with status and explanation
    • Gift letter or explanation of sources of funds for closing costs

    Income Information

    • Most recent pay stubs showing year-to-date earnings and pay period
    • If self-employed, last two years federal tax returns and W-2 forms
    • Documentation of any other income (if using for qualification)

    Other Information

    • Name and address of landlord(s) for the past 2 years
    • Explanation letter for any late payments, judgments, liens, bankruptcy or foreclosure
    • Closing Statement from sale of current property
    • Copies of last two months bank statements
    • Due to the U.S. Patriot Act, you may be asked for documentation concerning your identity
    • If non-resident, copy of Certificate of Resident Alien Status (Green Card)

    800-647-2328 � 318-549-8240
    Routing #: 311175093


    FHA Refinancing Options from #fha #refinance, #fha #refinancing, #fha #mortgage #refinance, #fha


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    FHA Refinancing

    Changes in the housing market have given you-and thousands of other Americans-the option to refinance your current home mortgage with a FHA Refinance.

    FHA Refinancing is a better option if you have a fair to good credit rating because, generally, FHA standards are less strict. Even if you likely will not qualify for conventional refinancing because of your income level, a FHA Refinance may still be an option for you.

    FHA Refinance Requirements

    There are some requirements that may apply when trying to refinance your current loan with the FHA. Keep in mind the following are simply guidelines-each borrower’s situation is different.

    • The mortgage that is to be refinanced must ultimately be insured through the FHA.
    • The current mortgage must be current and not delinquent.
    • The results of the refinance must lower the monthly principle and interest payments for the borrower.
    • No cash may be taken out on mortgages refinanced using the streamline refinance process.

    Other Information on FHA Refinances

    One Streamline Refinancing option you have is one that includes the closing costs into the new mortgage amount. This of course is only available if enough equity is in the home after it is appraised. The streamline refinance can occur without an appraisal but the new loan will not be able to exceed the original loan amount. If you are not living in the property (i.e. it is an investment property), the refinance can only occur without an appraisal.

    FHA Loans by State

    The FHA Home Loan Program

    The FHA has been insuring loans since the 1930’s, and their refinancing department has been around since the early 1980’s. The FHA/HUD also offers the option of FHA Streamline Refinancing. The “streamline” refers to the amount of paperwork and underwriting involved and not to a monetary factor (such as being cheaper or having no cost at all).

    Let FHA Mortgage Center.com be your guide to the benefits of a FHA Loan. FHA Mortgage Center.com is your one stop for all your FHA-related questions.

    We update our FHA Lending articles and Help Guide frequently with new FHA information. Our FHA Blog is another great source of information from top industry experts with topics ranging from FHA Loan Limits to current changes in the FHA Program. We offer these resources because, most of all, we want to provide you with information to help you decide if a FHA Loan is the right choice for you.

    FHA Mortgage Center.com Blog

    Latest Articles


    How Big a Mortgage Can You Afford? #can #you #assume #a #mortgage,


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    5 Questions to Ask Before You Trust Someone with Your Money

  • 9 Small Financial Steps That Will Pay Off Big in the Future

  • 10 Stylists’ Secrets to Make Your Home Look Great

  • Who Am I Meant to Be?

  • How to Find Your Budgeting Personality

  • 5 Things People with Hefty Savings Don’t Do

  • 6 Things Not to Do in a Job Interview

  • The Best Time of Year to Buy Anything

  • 5 Things to Say in Awkward Situations Instead of “I’m Sorry”

  • Suze Orman: “What Money Has Taught Me About Personal Power”

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  • How to Make Any Bathroom Look Bigger (and We Mean Any)

  • 12 Questions to Ask Yourself Before Quitting Your Job

  • Becoming the Person You Were Meant to Be: Where to Start

  • 4 Brilliant Ways to Make an Extra $500 a Month

  • Money-Saving Myths You Can Ignore

  • Tony Robbins On How To Trick Yourself Into Growing Your Savings

  • 5 Things Wealthy People Don’t Do

  • Suze Orman Answers All Your Financial Aid Questions

  • Find $1,230 in Your Dining Room

  • Suze Orman: The Best Financial Moves for Your 20s, 30s, 40s, 50s, 60s and Beyond

    How Big a Mortgage Can I Afford?

    When you’re buying a home or refinancing a mortgage—as record number of us are doing these days—one of your most important considerations is what size mortgage you can realistically afford. To figure out that number, just follow the steps below.

    This formula does not account for the tax savings conferred by home ownership. You will want to figure that savings into your calculations before you shop for a home. A tax advisor can help.


  • Loan-To-Value Ratio (LTV Ratio) #loan #to #value #ratio #for #refinancing


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    Loan-To-Value Ratio – LTV Ratio

    What is the ‘Loan-To-Value Ratio – LTV Ratio’

    The loan-to-value ratio (LTV ratio) is a lending risk assessment ratio that financial institutions and others lenders examine before approving a mortgage. Typically, assessments with high LTV ratios are generally seen as higher risk and, therefore, if the mortgage is approved, the loan generally costs the borrower more to borrow. Additionally, a loan with a high LTV ratio may require the borrower to purchase mortgage insurance to offset the risk to the lender.

    BREAKING DOWN ‘Loan-To-Value Ratio – LTV Ratio’

    The LTV ratio is calculated as the amount of the mortgage lien divided by the appraised value of the property, expressed as a percentage. For example, a borrower taking on a $92,500 mortgage to purchase a home appraised at $100,000 would have an LTV ratio of 92.50% (92,500/100,000).

    The loan-to-value ratio is a critical component of mortgage underwriting, whether it be for the purpose of purchasing a residential property, refinancing a current mortgage into a new loan, or borrowing against accumulated equity within a property.

    All lenders assess the LTV ratio in an effort to determine the level of exposed risk they take on when underwriting a mortgage, calculated as the delta between the property’s appraised value and the total amount borrowed. When borrowers request a loan for an amount that is at or near the appraised value, and therefore a higher loan-to-value ratio, lenders perceive that there is a greater chance of the loan going into default because there is little to no equity built up within the property. Should foreclosure take place, the lender may find it difficult to sell the home for an amount sufficient to cover the outstanding mortgage balance and make a profit from the transaction.

    High LTV Ratio Implications

    While the loan-to-value ratio is not the only determining factor in securing a mortgage or home equity loan or line of credit, the metric does play a substantial role in how much borrowing costs the homeowner. The majority of lenders offer mortgage and home equity applicants the lowest possible interest rate when the loan-to-value ratio is at or below 80%. A higher LTV ratio does not exclude borrowers from being approved for a mortgage, although the total cost of the loan rises as the LTV ratio increases. For instance, a borrower with an LTV ratio of 95% may be approved for a new mortgage, but the interest rate may be up to a full percentage point higher than a borrower with an LTV ratio of 75%. In addition to the higher interest rate, lenders may tack on a mortgage insurance requirement for high LTV ratio transactions. Mortgage insurance has the potential to substantially raise a borrower’s monthly mortgage payment, and coverage may be required until the loan-to-value ratio reaches 80%.


    Microloans for Women in Business #woman #small #business #loan


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    Microloans for Women in Business

    Updated May 14, 2017

    Are you a woman entrepreneur who wants to start her own business but lacks funding? It can be extremely challenging when just starting out, especially if you don t have a strong track record in business, or are without collateral. However, there are many local, state and national resources available to women and minority business owners if you know where to look.

    This is a list of organizations that provide microloans—those under $50,000—to women, minorities, and small businesses. Be advised that some restrictions apply, particularly those that are limited to a specific geographic area. And it s best to check the organization directly to make sure you get the most updated information about what they offer.

    Hero Images/Getty Images

    San Francisco-based Kiva is an international nonprofit started in 2005 that aims to reduce poverty by connecting people through microlending. The loans are crowdfunded. with backers contributing donations as small as $25 to borrowers.

    Kiva s microloans can be used to start or grow a business and for other uses. The borrowers then repay the lenders through Kiva, and the lenders can decide whether to reinvest their funds in another borrower. More

    Woman Carrying Briefcase

    ACCION USA is a private, nonprofit organization that provides microloans up to $50,000 and other financial services to low and moderate-income entrepreneurs, including women and minorities who are otherwise unable to access bank credit for their small businesses.

    ACCION considers business owners character and business strengths as well as credit history when giving loans. In addition to loan programs tailored for female business owners, ACCION has programs for minorities, veterans, Native Americans and people with disabilities. More

    Hero Images / Getty Images

    The New Mexico Community Development Loan Fund is a private, tax-exempt organization that provides loans, training, and business consulting to entrepreneurs, business owners and non-profit organizations throughout the state and the entire Navajo Nation.

    This is restricted to New Mexico small business owners. More

    Buero Monaco / Getty Images

    WBIC offers microloans up to $100,000 with special programs for female small business owners. In addition to lending programs for women they also offer education programs, seminars, and business assistance and referral services.

    This organization s programs are limited to Wisconsin-based small businesses. More

    Women’s Economic Ventures

    Morsa Images / Getty Images

    This organization provides low-interest business loans to women-owned businesses in Santa Barbara and Ventura County in California. Loans for start-ups range from $1,000 to $25,000. Business expansion loans are available to women who have been in business at least 1.5 years with loans ranging from $5,000 to $50,000.

    Elizabeth Street Capital

    Hero Images/Getty Images

    Elizabeth Street Capital is a partnership of the Tory Burch Foundation and Bank of America, which provides access to affordable loans to female entrepreneurs and other entrepreneurs in underserved communities.

    Chris Ryan / OJO Images / Getty Images

    Even during tough times, at least one bank is out there gunning for women in business. Key Bank has a long-term record of lending programs for businesswomen and works to ensure that it s helping women entrepreneurs start, grow, and keep their businesses running, even during a downturn in the economy.

    Show Full Article


    Our Client Stories #acbs #loan #system


    #

    Inspiring a
    passion to act.

    Facing a challenging eurozone market, boutique asset manager Alpha Centauri partnered with FIS to analyze how it could turn the market setback into a competitive advantage. Thanks to FIS risk and technology expertise, Alpha Centauri developed new strategies to improve the performance of its factor investments. This prompted an invitation from prestigious index provider STOXX to create a series of European factor indices.

    Credit Suisse, a leader in the global cleared derivatives industry, selected the FIS Derivatives Utility for its post-trade futures and cleared OTC derivatives operations and technology. FIS is empowering Credit Suisse to be better positioned to continue to deliver innovative solutions and products to its clients in the most efficient manner possible, as well as enhance their ability to manage and control risk for years to come.

    Apple Pay Mass Enablement

    FIS marshalled its scale to simplify the enablement process and bring more of our clients into the mobile payments ecosystem. With one big push in 2015, FIS took the number of Apple Pay enabled institutions from five to 219 – more than all our competitors combined. In just one year, financial institutions have seen a collective increase of over 350 percent in monthly transactions.

    Centaur Fund Services

    Launching fearlessly into a post-crisis industry, new fund administrator Centaur started up as it meant to go on – by asking FIS to support its global ambitions with robust operations. With the solutions and expertise of a top technology provider on its side, the firm gained the scale and agility it needed to seize the best business opportunities. And in just six years, its assets under management have grown from $200 million to $15 billion.

    Atom, the designed-for -digital challenger to the U.K. banking market, partnered with FIS to serve banking customers on the go. Launched in April 2016 – with no branches and no call centers – the digital-only bank is delivering directly to smart devices of U.K. millennials. FIS is empowering Atom with a cost-effective outsourced infrastructure and expertise that enables the bank to launch new services quickly and confidently.

    As Centennial Bank began to experience big growth, it had to replace its manual BSA/AML compliance processes. FIS’ scalable automated compliance solution helped Centennial cut the chains of manual processes, save time and resources, and better detect and report suspicious activity.

    eftpos, Australia’s largest and most used payments network, needed to implement new payment innovation but was constrained by decades-old infrastructure. FIS and eftpos together replaced the old network of 27 independent interbank connections with a single high-volume payments hub that powers over 6,000,000 transactions daily.

    Kitsap Bank wanted to leverage online customer data to forge deeper, more profitable and lasting relationships with its existing customers. But how could the bank ensure it had the right data, ability to efficiently sift through it and put it to work to benefit the bank and its customers? FIS enabled them to fully engage their connected clients and achieve real bottom-line results.

    Wintrust, a community bank competing against bigger banks in a major metropolitan market, needed to stand out in the crowd and grow its customer base. FIS Cardless Cash is the catalyst that is helping to set them apart immediately. This mobile-based solution is helping Wintrust grow aggressively, revolutionize its user experience and target the young and mobile customer of the future – putting it ahead of its much larger competition.

    FIS’ corporate actions solution suite transformed ICBCFS, eliminating manual processes, reducing risk and gaining enormous efficiencies while improving service levels. Now, ICBCFS customers have the confidence of timely and thorough notification of corporate actions affecting their positions.

    FIS technology has helped LBBW issue some of the world’s most complicated financial products to meet growing demands for structured products, respond swiftly to new market opportunities and adapt to regulatory change, delivering an agile platform that LBBW needs to support its current and future growth.

    FIS’ investment operations solution suite helped Maitland change the way their customers can make portfolio decisions, delivering a scalable, tight front-to-back-office integration solution that provides real-time data on 70,000 trades per month. By helping Maitland give its customers an edge, FIS helped it achieve real financial consequences – in terms of revenue growth, cost reduction and service quality.

    FIS guided Oriental through an acquisition that doubled its size, helping to drive its business forward and reinvent itself with new operating and technology models and lending capabilities that meet the unique needs of Puerto Ricans. And Oriental – now the island’s third-largest bank –transformed the banking experience and became Puerto Rico’s most customer-centric bank.

    FIS transformed how COUNTRY Financial’s advisors did business, enabling them to spend more time doing what they do best: building customer relationships one-on-one.


    Invoice Factoring -an advance on money due to you from a business


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    Invoice Factoring

    Its what your looking for

    What is factoring:

    Invoice factoring is essentially an advance on money / cash due to a business, by means of the sale of the invoices to a bridging company. This is not a loan against invoices but an outright sale of selected invoices ( one or many ) or the full debtors book, to a bridging finance company, but with recourse to the seller of the full invoice value.

    Why use single invoice factoring or selective invoice discounting

    This is a very simple and reasonably quick method (within 2 weeks of receipt of all documents) used by businesses to improve cash flow or working capital as and when needed. There is no lock in period and no penalty for early settlement. You elect to bridge one or a few invoices not the entire debtors book.


    Costs Once

    Once off set up fee of approx 3 % to 5 % depending on the size of the invoice bridging required. Monthly cost of between 4,5 % and 6 %

    Pre-Conditions to Discount Invoices:
    The goods /services must have been delivered / rendered and the customer must have accepted the goods / services with no pending disputes. The company requesting the bridging should be profitable and have a clean credit record.

    We use this Mass eMailing system.
    Click the logo below for a free, no obligation trial.


    What Is A VA Loan Pre-Approval Letter? Certified Military Residential Specialists #va


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    What Is A VA Loan Pre-Approval Letter?

    A VA loan pre-approval letter is a document granted by a VA mortgage lender that states that based on preliminary information such as the potential borrower’s credit, assets, and income, that they qualify for a VA loan of a specified amount.

    It is different from a pre-qualification in that some or all of the submitted information is reviewed for accuracy before the letter is issued.

    Having a pre-approval letter from your VA lender will show home sellers that you are a qualified buyer and may lead to your offer being more seriously considered.

    Once you have obtained your VA loan pre-approval letter, you will then be able to begin making offers on homes you are interested in purchasing.

    In order to get your VA loan pre-approval letter, your lender may require the following:

    • At least one months pay stubs or LES (if still active duty).
    • W-2′s and Tax Returns for the past two years.
    • Two months bank statements for any/all assets.
    • Your DD 214 form (if no longer on active duty).
    • Statement of Service from S1 (if still active duty)

    Your pay stub is needed to show that you are currently employed, as well as your current income. W-2 statements (for the past two years) then show how much you normally earn in a year.

    If you are currently still on active duty, your Statement of Service must show a minimum of 12 months remaining on your contract.

    Finally, your DD 214 form will enable your VA lender to decrease the amount of time necessary for processing your certificate of eligibility. Once again, this is not required, but it is generally a smart idea.

    The reason why this is a smart idea is that the majority of direct lenders with the VA can put in an order for your certificate of eligibility, which determines whether or not you are eligible for a VA loan.
    The process can be very quick as long as you turn in all these documents as soon as possible to your loan officer.

    After your VA loan officer or lender has the described documents, he or she can submit your information in the VA loan analysis software to determine your eligibility. The calculation that will determine your eligibility is:

    (Monthly Income) – (Proposed Mortgage Payment + Insurance + Taxes + Utilities for the house + Monthly Credit Card Payments Due) = Residual Income

    Residual income is the amount of money that you have after you have paid the sum of your monthly bills. The VA will use their judgment after they have calculated your residual income to decide if you will have a satisfactory amount of money left over after you have paid your bills.

    The VA has established various requirements for what your minimum residual income will have to be, such as what part of the country you live in, the size of your family, how old your children are, and various other factors.

    When obtaining VA pre-approval letter, be aware that simply getting the letter does not commit the lender to giving you a loan. It just means the initial information has been reviewed. In order for the mortgage application to be approved additional information and documentation about both the borrower(s) and the property must be reviewed to be sure that all of the guidelines are met.

    Share this:


    Cleancredit #credit, #clean, #repair, #fix, #equifax, #experian, #transunion, #quick, #fast, #score, #raise,


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    Frustrated and looking for answers on “How to Fix Your Credit?

    Have you tried to buy a home / Car only to be turned away or told to wait a year and try again?

    There are laws that protect the consumer but those laws are hard to find and harder to interpret. Quick Credit Clean LLC will provide you with our knowledge and experience to make these laws work for you instead of against you .

    It’s unfortunate but major companies are aware that the average consumer cannot interpret these laws and they are more than happy to use this to their advantage.

    What makes Quick Credit Clean LLC different?

    • Our system is a collaboration between the client ourselves. Working together ensures a much greater result.
    • Every client’s file is handled personally and “in-house” – this means no Outsourcing or breakdowns in communication. Again, increasing effectiveness.
    • Our process is completed within 45 to 180 days – NOT 18 months or more.
    • Our consultation/evaluation is always free – If we cannot help we would rather give you free advice and hope you’ll send us someone that does need our services.
    • Every client is given a “credit education” guide in an understandable format.


    Can “accurate” information be removed?

    Most consumers ( and professionals ) view credit daily without the correct information to interpret what is or isn’t truly accurate; Because of this the wrong call for accuracy is made every day. Once the accounts are viewed by someone that knows the ins – outs of the credit reporting system; we find that many of those harmful account are not accurate at all. Once these errors removed you really get to see you actual credit worthiness!

    Every day someone tells us an account is accurate – every day we prove why it’s not. Having the knowledge to determine the difference between accurate and inaccurate combined with the essentials for maximum scoring are the keys to making huge score gains. They also make sure big companies can t bully you into paying too much interest.

    * *NEW** Check out our Do-It-Yourself tab for Instant Download Software!
    All the same tools we use and an easy to follow step by step video!

    What items can be removed from your file:

    • Bankruptcy
    • Bankruptcy Accounts
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    • Collections
    • forclosures
    • Garnishments
    • Judgments
    • Late payments
    • Liens
    • Medical
    • Settlement accounts
    • Repossessions

    Do you want to “Fix my credit report” “clean up my credit report” We want to help, Quick Credit Clean in Maryland repairs credit fast and educates you so that you can keep it there. Credit Repair How to Help Yourself credit repair services Credit problems? No problem! We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever! We can erase your bad credit 100% guaranteed. Create a new credit identity legally. fix my credit fix my bad credit Help with my bad credit DOES CREDIT REPAIR WORK attorneys at the nation s consumer protection agency legitimate credit repair quick fix for credit You can improve your credit report legitimately personal debt repayment plan Recognizing a Credit Repair have poor credit his tories clean up their credit report get a car loan home mortgage improved credit report No one can remove accurate negative information you re left with the same credit report If you see a credit repair offer here s how to tell if the company behind it is up to no good: The company wants you to pay for credit repair services before they provide any services. Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the services they have promised. The company doesn’t tell you your rights and what you can do for yourself for free. The company recommends that you do not contact any of the three major national credit reporting companies directly. The company tells you they can get rid of most or all the negative credit information in your credit report, even if that information is accurate and current. The company suggests that you try to invent a new credit identity and then, a new credit report by applying for an Employer Identification Number to use instead of your Social Security number. The company advises you to dispute all the information in your credit report, regardless of its accuracy or timeliness. If you follow illegal advice and commit fraud, you may find yourself in legal hot water, too: It s a federal crime to lie on a loan or credit application, to misrepresent your Social Security number, and to obtain an Employer Identification Number from the Internal Revenue Service under false pretenses. You could be charged and prosecuted for mail or wire fraud if you use the mail, telephone, or Internet to apply for credit and provide false information. Your Rights Regarding Credit Repair No one can legally remove accurate and timely negative information from a credit report. The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Some people hire a company to investigate on their behalf, but anything a credit repair clinic can do legally, you can do for yourself at little or no cost. According to the Fair Credit Reporting Act (FCRA): You re entitled to a free report if a company takes adverse action against you, like denying your application for credit, insurance, or employment.

    Want that shiny new car?

    Lower credit score – “turn downs” and/or “high rates” with excessive money down.
    higher credit scores – “lower rates” and little to “no” money down.

    • Loan Amount = $15,000
    • Interest rate = 4.00%
    • Loan term = 60 months
    • Monthly payment = $276.25
    • Total of Interest = $1,575.00
    • Loan Amount = $15,000
    • Interest rate = 24.00%
    • Loan term = 60 months
    • Monthly payment = $431.52
    • Total of Interest = $10891.20

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    Online Colleges # #college, #affordable, #accredited, #credit, #degree, #inexpensive, #student, #loan, #crisis,


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    With all the changes occurring in the higher education world, colleges are being challenged to offer students creative options in order to attract them to their institutions. Many colleges are meeting this new challenge through increased marketing as well as offering students courses in a variety of new formats. Today, thousands of colleges are offering online courses as a way to expand their reach and attract students without geographic boundaries. So, for the student who would like to take online courses to meet some of their degree requirements, how does a student decide?

    There are some broad classifications that might help a student narrow their choices for finding the best online courses to meet their specific needs:

    • Affordable, Semester-Based
    • Fixed Rates
    • Ongoing Enrollment
    • Self-Paced, Independent Study
    • Access to Syllabus Before Enrolling
    • Flexibility with Course Prerequisites
    • Non-Proctored Exams
    • Science Courses with Labs
    • Textbooks Included
    • Non-Regionally Accredited Schools
    • Online Christian Ministry Degrees
    • Low-Priced Online MBA Courses and Degrees

    There are thousands of colleges offering online courses in addition to the ones listed in the categories below. The schools included, however, have been chosen because they are both reasonably priced and regionally-accredited unless otherwise noted. The list is far from exhaustive, though, and not meant to purposefully exclude any colleges. They are primarily mentioned to give students an understanding of the types of course formats that are available today. A student may find it helpful to do their own research to find the courses that best fit their budget, schedule and degree plan.

    The following colleges offer affordable online, semester-based courses in eight or sixteen-week formats. Courses from this list of schools can be found starting from lower than $100 per credit hour.

    Another emerging trend in higher education is the offering of creative tuition plans. Fixed rate tuition is a unique option being offered by a few colleges. Western Governors University in Utah charges a flat $3,000 per six-month term and the student can complete as many courses as they want in that period. Courses begin the first of each month and a student can enroll in as many sessions as they like.

    Many colleges are now offering students the ability to begin taking online courses throughout the year instead of following traditional fall and spring semester formats. Some schools begin classes every month. Courses generally follow eight or sixteen-week schedules, but students can begin any month that fits them best. The following colleges in this category offer tuition beginning at less than $175 per credit.

    Self-Paced, Independent Study

    The number of courses being offered in this category by today’s colleges and universities is growing very quickly. Students are demanding flexibility and schools are responding. Students can work through the course material at their own pace, which can prove to be very helpful both for those wanting to move quickly and for those needing to go more slowly.

    The course material directs students through each subject and often requires written assignments and tests. Instructors are available for questions and grading, but the course is directed by the material and not the teacher. Students should assume these courses are just as challenging as traditional courses, but can offer greater flexibility to students with demanding schedules.

    Many colleges such as Louisiana State University, Portland State University, and the University of Oklahoma have no admission requirements, and students simply register and pay for courses. Colleges usually allow students between six and twelve months to finish, but may give extensions of time for an additional fee.

    Most colleges offering self-paced online courses also offer other online courses in traditional semester-based formats. However, one benefit of self-paced courses is the ability for students to begin any day of the year. These courses might also be referred to as “self-paced,” “quick entry,” “correspondence” and “open entry-open exit”. The colleges below offer flexible, independent, self-paced courses beginning at less than $100 per credit.

    Access to Syllabus Before Enrolling

    Many students may benefit from having the opportunity to review a course syllabus before enrolling. This allows students to research the course content, work requirements, grading system, and time commitment needed to earn a satisfactory grade. The following colleges place their syllabi online for students to review prior to enrolling. Colleges in this category can be found with tuition starting under $100 per credit hour.

    Flexibility with Course Prerequisites

    Colleges normally require students to take basic courses before proceeding to more advanced courses. As a result, students must follow college policies to prove that course prerequisites have been met before they will be allowed to enroll in an advanced class. College prerequisite policies can vary a great deal, but Louisiana State University’s policy is especially easy to follow for their online students.

    LSU’s website is very informative and it clearly explains course content, lesson assignments, grading formats, and more. They offer more than 175 online, self-paced courses for less than $100 per credit hour, including many upper level courses.

    Many colleges require students who take online courses to take their tests under the supervision of an approved proctor. Local college testing centers and libraries are common locations for students to arrange for a proctor. Some colleges, however, allow their students to take some of their exams without a proctor. Each course has different testing guidelines. Some instructors feel comfortable assessing a student’s knowledge through writing assignments, projects or group discussions, and allow their exams to be taken online. The following colleges have offered some courses with non- proctored tests. The colleges from this category begin tuition at less than $100 per credit hour.

    Science Courses with Labs

    One of the challenges of earning the majority of a degree online is the common requirement for a science course with a lab. Many colleges offer online science courses, but only a handful will include the lab. The following colleges include an online lab with some of their science courses. Colleges in this category offer courses for as little as $100 per credit hour.

    Some colleges are including the cost of textbooks and learning materials in their tuition price. They sell themselves on the idea that their costs are all-inclusive, with no hidden fees. Two affordable online colleges offer students this option. Colleges in this category currently offer all-inclusive tuition beginning around $250 per credit hour.

    Non-Regionally Accredited Schools

    Some students may want to consider taking courses from Penn Foster College, even though this school does not have regional accreditation. Students who plan on graduating from a college that accepts ACE credit may be able to take advantage of Penn Foster’s more than 180 online courses that have been recommended by ACE. Colleges that do not normally accept credits, from non-regionally-accredited institutions, may still allow these courses to be transferred because they have been approved by ACE.

    Penn Foster offers manageable, self-paced courses that students are allowed to take twelve months to complete. Students can begin these courses anytime and textbooks and study materials are included in the tuition. They also offer multiple options for acceptable exam proctors. These courses will not work for every student, but may be considered by students choosing colleges with generous transfer policies. Penn Foster currently offers courses for less than $100 per credit hour.

    Online Christian Ministry Degrees

    Some online private Christian colleges offer affordable tuition for students wanting to earn a ministry degree. Some of these colleges offer undergraduate degrees while others focus on the post-graduate level. Colleges in this category currently begin tuition at less than $200 per credit hour.

    Low-Priced Online MBA Courses and Degrees

    College tuition for a masters degree is usually higher than tuition for undergraduates. This often places these degrees out of the financial reach of many students. Students looking for affordable graduate-level courses may want to research the following colleges, with tuition starting at less than $250 per credit hour.


    How Can I Get a Guaranteed Small Business Loan With Bad Credit?


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    How Can I Get a Guaranteed Small Business Loan With Bad Credit?

    by Malik Sharrieff

    Attaining financing with poor credit can be a daunting task.

    bank image by Pefkos from a href= http://www.fotolia.com Fotolia.com /a

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    Many small and mid-sized businesses in their first few years of operation will encounter the need for additional capital to overcome temporary cash flow issues, expand services or enter new markets. Unfortunately, you might find yourself in this position before you have had the opportunity to establish an independent credit history for your business, or your personal credit may be less than what is necessary to attain additional financing. In this situation, getting a small business loan despite poor credit can be a critical issue.

    1. Evaluate your financial needs. Most often, business owners will be denied financing because their credit does not merit the amount being requested. Be certain that your plans could not be completed with fewer dollars before you seek financing. Also, when you do consult with a lender, ask them directly if your current credit situation would merit financing at a lower amount.

    2. If your financial needs are less than $35,000, you may qualify for a Small Business Administration (SBA) 7(a) loan. The SBA has several loan programs under the 7(a) category. These loan programs are government-guaranteed so lenders are willing to extend financing to business owners with less than exemplary credit. The SBA can provide you with a listing of lenders who participate in the loan program that would best fit your situation and you can apply directly through that lender. Before applying, visit the SBA office in your area to get direction on how to best present your situation to the lender to improve your odds of a successful application.

    3. Offer land, equipment, or other business assets as collateral to secure the loan. If lenders are able to reduce their risk by securing assets in the event you cannot repay, they will be more inclined to take a chance on your business.

    4. Research a business cash advance. This is a financing option that would only be reasonable if your need does not exceed a few thousand dollars and your need is due to cash flow issues. However, if your business can show at least $2,500 in monthly receipts and you have been in business for at least one year, it is possible that you can get a business cash advance of up to $10,000. If you decide to pursue this option, it is important that you shop the terms and interest rates of cash advance companies very carefully.

    About the Author

    Malik Sharrieff is a marketing and business communications professional in New Orleans. He has more than 15 years of experience in marketing, public relations and customer relationship management; over eight years of experience as an academic writer; and as an online journalist for two years.

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