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VA Loan Requirements 2015

#va #loan #requirements #2015, #va #mortgage #requirements, #va #loan, #va #loans, #va #lender #manual, #va #lender #handbook


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VA Loan Requirements 2015

What are the VA Loan Requirements for 2015? These requirements guide a veteran borrower�s ability to repay the loan as well as the lender�s ability to lend. Whether buying a home or refinancing an existing home you must know the restrictions that will allow you to make better long-term financial decisions.

The focus here is on VA loans as those and FHA loans are the more popular types of mortgage loans today. Everything in the lending industry is about risk assessment.

The Basics
There are 3 key elements to any mortgage transaction.

  • Credit – Your credit score history are the driving factor in today’s market.
  • Debt to Income(DTI) – This ratio determines how much of a payment you can afford under the lending guidelines.
  • Loan to Value(LTV) – This ratio determines how much you borrow against the value of the property.

VA Loan Requirements 2015

The most common of VA loans is the VA 30-year fixed program and here are the minimum requirements to qualify.

Please Note: If you need more detailed documentation on VA Loan Requirements, you can review the following:

  • VA Lender Handbook (1.31 Mb)
  • VA Credit Policy Manual (934 Kb)
  • VA Certificate of Eligibility

VA Certificate of Eligibility
If you have not already acquired your VA Certificate of Eligibility. please order one now or we can order it for you. This document is required for a VA loan.

Credit Score and Established Trade Lines
Credit Score – Veterans Affairs (VA) insures VA loans and does not require a minimum FICO score. However, lenders have their own requirements that are in addition to those of the VA.

Most lenders today require the minimum mid-score in a tri-merge report to be at 620 or better. The credit report must clearly support an applicant�s ability to meet financial obligations in a timely, responsible manner.

Less than a handful of lenders will accept mid-scores down to 580 but you will need to have other compensating factors such as a larger down payment, a good amount of reserves, low DTI, and the loan will require Direct Underwriting (DU) approval or need to be manually underwritten.

Generally, lenders have been increasing their minimum FICO score mortgage requirement and some are now requiring a 640 mid-score as the cut off.

Most lenders have the following credit score guidelines:

  • 620 up to $417,000 and 640 for IRRRL’s
  • 720 for $417,000 to $650,000
  • 740 for over $650,000

Established Trade Lines – VA loan requirements allow for both traditional and alternative credit trade lines. However, most lenders require that you must have at least two lines of credit that you have maintained for at least two years.

Alternative lines of credit are defined as continuing obligations, such as cell-phone / home-phone bills, utility bills, rent history, car insurance, which require a periodic payment in order to establish payment history. To be used to establish a minimum payment history, an alternative credit trade line must have existed for at least 12 months.

VA loan requirements do not consider absence of a credit history as an adverse factor. However, a minimum two year history of the applicant, including residence, income, assets and credit must be developed.

To find out more about your credit, you can download a free credit report at any of the three credit bureaus and we could help you review it.

  • Experian
  • Equifax
  • TransUnion

Late Payments, Collections, Bankruptcies, Liens, Judgments, Foreclosures, and Child Support
Late Payments – VA loan requirements does not allow for more than one debt payments being more than 30 days late if the incidents have occurred within the last 12 months. This includes more than one late payment on a single account. In addition, individual lenders may have restrictions on late payments made in the last 12 months.

No mortgage late payments made in the last 12 months are allowed on purchase and refinance of VA loan. And only a 1×30 mortgage late payment is allowed on a VA streamline (IRRRL).

Collections – VA loan requirements specify that most collection accounts outstanding must be paid, no matter what their age as long as they are currently delinquent and/or due and payable.

Isolated collection accounts do not necessarily have to be paid off as a condition for loan approval. For example: a credit report may show numerous satisfactory accounts and one or two unpaid medical (or other) collections. In such instances, while it would be preferable to have collections paid, it would not necessarily be a requirement for loan approval.

Bankruptcies – Chapter 7 must be discharged for at least 2 years with no late payments since the date of discharge.

Applicants who filed for Chapter 13 and have satisfactorily completed their payments, can be considered as having reestablished satisfactory credit. If the applicant has satisfactorily made at least 12 months of payments and the Trustee or the Bankruptcy Judge approves of the new credit, the lender may give favorable consideration.

Liens – VA loan requirements will not allow for any delinquent federal debt such as student loans or tax liens or other government debt, no matter what their age as long as they are currently delinquent and/or due and payable.

Judgments – VA loan requirements do not allow for judgments caused by nonpayment that is currently outstanding or has been outstanding within the last 12 months.

Foreclosures – VA loan requirements state that an applicant may be eligible if there was no loss of security on a foreclosure or a satisfied judgment that was completed more than 12 months prior to the date of the application. However, if there was loss of security due to a foreclosure, the applicant is ineligible for a VA loan within 36 months after foreclosure.

Child Support – VA loan requirements states that child support that is in arrears must be brought current. If a payment schedule has been established with the Court for the past due amount and a history of satisfactory payments is provided, the applicant will not be required to pay the past due amount in full. Both the payment for the past due child support and the regular court ordered support payment will be included in the applicant�s income to total debt ratio.

If you are paying court ordered child support, it is considered a liability payment (even though it may not show up on your credit report or your pay stubs as wage garnishment) and counts against your debt ratio (DTI). Receiving court ordered child support is considered a source of income.

Down Payment
VA loan requirements for a home purchase do not have a minimum down payment. The VA loan is one of the very few loans that can be financed to 100% with $0 down payment.


CÁMARA OFICIAL DE COMERCIO DE ESPAÑA EN FRANCIA, oficial de comercio exterior 2015.

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CÁMARA OFICIAL DE COMERCIO DE ESPAÑA EN FRANCIA

Oficial de comercio exterior 2015

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Networking y servicios asociados

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Bolsa de Empleo

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Agenda

Vídeos y fotos COCEF

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Espacio privado

Membres Protecteurs – Miembros Protectores

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CENA DE LOS TROFEOS COCEF 2017

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REFORMA LABORAL FRANCIA

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Desplazamiento Oficial COCEF

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ASEMBLEA GENERAL ORDINARIA DE LA COCEF

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Cámara Oficial de Comercio

de España en Francia

22, rue Saint Augustin

75002 PARIS – FRANCE

Tel: +33 (0) 1 42 61 33 10

Fax: +33 (0) 1 42 61 16 22

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Planos de Casas modernas – Planos de Casas Gratis, modelos de baños modernos 2015.

#Modelos #de #baños #modernos #2015


Categoría: Casas modernas

Esta es nuestra categoria de Planos de casas modernas. Todos estos diseños de se pueden encontrar en internet, aqui solo los recopilamos para hacerte la busqueda de planos mas facil. Hay muchos y muy interesantes. En el sitio intentamos recopilar modelos para todos los gustos… y como dicen: sobre gustos no hay nada escrito.

En las paginas siguientes puededes seguir viendo mas planos y fotos de casas modernas. Espero que entre todos los planos de viviendas modernas encuentres alguno que se dapte a tus necesidades.Sientete libre de explorar hasta encontrar los losmodelos de casas modernas hasta encontrar el que mas te guste.Cabe destacar que el que te presenta estos planos, osea yo, no es arquitecto ni nada por el estilo. Solo soy un apasionado por estas cosas

Modelos de baños modernos 2015

Plano de interesante casa de dos pisos, 3 dormitorios y 171 metros cuadrados

La fachada de esta casa no es de lo mejor, la combinación de texturas no me gusta, pero internamente me parece bastante interesante. Con cosas a mejorar, por ejemplo la falta de una baño social en la planta baja, pero con detalles que valen la pena tener en cuenta. Como podemos ver en el plano … Continúa leyendo Plano de interesante casa de dos pisos, 3 dormitorios y 171 metros cuadrados

Moderna casa de dos plantas, dos dormitorios y 86 metros cuadrados

Aunque la distribución es medio extraña esta casa logro llamarme la atención. La fachada es sin dudas llamativa, y la terraza, yo diría, imponente. El espacio habitable creo que no es de lo mejor, se podría mejorar un poco y maximizar los metros cuadrados, pero si no tenemos la necesidad de aprovechar lo más posible lo … Continúa leyendo Moderna casa de dos plantas, dos dormitorios y 86 metros cuadrados

Plano en 3d de casa moderna de 1 dormitorio y 45 metros cuadrados

Hace varios días que no publico un plano, no porque no quiera, sino porque no puedo, mucho trabajo, muchas obligaciones y poco tiempo. Pero acá estoy… hoy llegue un rato mas temprano al trabajo (gracias a los trenes que hoy anduvieron bien) y me puedo dar el gusto de publicar este plano para compartir con … Continúa leyendo Plano en 3d de casa moderna de 1 dormitorio y 45 metros cuadrados

Genial casa de campo de una planta, 2 dormitorios y 114 metros cuadrados

Me encanto este plano. Es una casa moderna pero con mucho contacto con la naturaleza. Moderna pero con unos toques clásicos que la vuelven linda y cómoda. Lo primero y principal a destacar es la enorme galería que la rodea. Me encanta como nos invita a pasar las tardes o a desayunar en las mañanas … Continúa leyendo Genial casa de campo de una planta, 2 dormitorios y 114 metros cuadrados

Cabaña moderna de dos dormitorios y 78 metros cuadrados

Me imagino construyendo esta cabaña en la sierras. Usándola unas semanas al año y el resto alquilándola. No creo que sea ideal para vivir todos los días del año, puede que este equivocado, pero para el trajín diario no me parece muy cómoda. Pero para pasar unas semanas de vacaciones me parece perfecta, por eso … Continúa leyendo Cabaña moderna de dos dormitorios y 78 metros cuadrados

Casa moderna de dos dormitorios y 72 metros cuadrados

Para arrancar el año con el pie derecho, como se dice en mis pagos, les quiero compartir este plano que encontré…. cabe aclarar que para mi el año arranca el primer día hábil, que es hoy, 4 de enero, venimos de unos cuantos días libres que ayudaron a arrancarlo con más ganas y energía. Espero … Continúa leyendo Casa moderna de dos dormitorios y 72 metros cuadrados

Casa moderna de dos pisos, tres dormitorios y 169 metros cuadrados

La fachada de esta casa es genial. Piedra, madera y vidrio, materiales que resaltan y que nos hablan de una gran calidad de construcción. Realmente no es necesario respetar estos materiales y lo que mas no deberia interesar es la distribución, que es lo que puede hacer que una casa sea cómoda o no… Tal … Continúa leyendo Casa moderna de dos pisos, tres dormitorios y 169 metros cuadrados

Plano de casa procrear maderera de 3 dormitorios y 81 metros cuadrados

Sigo sorprendido por los modelos de casas que se ofrecen en PRO.CRE.AR… aunque no apliquemos para este plan podemos usar sus diseños para construir nuestra propia casa. O podemos usarlos como inspiración para nuestros propios diseños. El plano que traigo hoy es el de la casa maderera&. Una casa de 3 dormitorios en una planta. … Continúa leyendo Plano de casa procrear maderera de 3 dormitorios y 81 metros cuadrados

Casa Sauco de 3 dormitorios del plan PRO.CRE.AR

Hace mucho que no revisaba los modelos de casas de PRO.CRE.AR. Hace un par de años publique algunos. Hoy me lleve una grata sorpresa al visitar la pagina. Se trata de una casa de aire moderno, 3 dormitorios y 2 baños distribuidos en casi 88 metros cuadrados en una planta. Ni en la fachada ni … Continúa leyendo Casa Sauco de 3 dormitorios del plan PRO.CRE.AR

Plano moderno de casa de dos plantas, cuatro dormitorios y 209 metros cuadrados

Hoy les traigo los planos de una casa que me resulto muy bonita. Se trata de una casa de cuatro dormitorios distribuidos en dos plantas y 209 metros cuadrados. Algo muy interesante es que cabe perfectamente en un lote de terreno de 12 metros de ancho por 20 de fondo, por lo que su gran … Continúa leyendo Plano moderno de casa de dos plantas, cuatro dormitorios y 209 metros cuadrados

Plano de casa de playa moderna de dos plantas, dos dormitorios y 54 metros cuadrados

La casa de playa suelen pecar de tener distribuciones incomodas, este no es el caso. Aunque se trata de una casa pequeña, podemos ver que tenemos un muy buena distribución, con espacio suficiente para pasar una lindas vacaciones. En sus dos plantas podemos observar dos habitaciones que nos brindan espacio cómodo para 3 o 4 … Continúa leyendo Plano de casa de playa moderna de dos plantas, dos dormitorios y 54 metros cuadrados

Plano de casa moderna de dos plantas, tres dormitorios y 156 metros cuadrados

Hoy les traigo los plano de una casa moderna muy bonita. Me gusta la galería del frente, creo que a ustedes también les va a llamar la atención, y en el interior la distribución de concepto abierto es, sin dudas, algo digno de ver. Aunque todos los ambiente se encuentran conectados van a poder ver … Continúa leyendo Plano de casa moderna de dos plantas, tres dormitorios y 156 metros cuadrados

3 Casas hechas con containers

Hoy les traigo una seleccion de fotos de casas hechas con contenedores. Hace unos dias publique algunos planos de casas hechos con containers y una de las criticas que recibi fue que no habia demasiadas imagenes de los interiores para poder imaginarse como era vivir en uno de ellos. Ahora encontre algunas construcciones hechas con … Continúa leyendo 3 Casas hechas con containers

Planos de casas con contenedores maritimos

Hace bastante tiempo que quiero publicar los planos de algunas casas hechas con contenedores maritimos. Me parecen una opcion muy buena para construir, por un lado estamos haciendo algo por la naturaleza, ya que estamos reciclando, por otro estamos abaratando costos, ya que los contenedores nos brinda toda la estructura de soporte que necesitamos. Ademas … Continúa leyendo Planos de casas con contenedores maritimos

Plano de casa moderna de un piso, tres dormitorios y 176 metros cuadrados

Hoy les traigo los planos de un casa moderna. Tiene algunos detalles muy bonitos y llamativos. Particularmente no me termina de gustar la distribucion, tiene algunos detalles, como el recibidor o la fachada, que me gustan, pero no termina de ser un diseño de mi agrado. De todas formas considero que para mas de una … Continúa leyendo Plano de casa moderna de un piso, tres dormitorios y 176 metros cuadrados


Logbook Loans Fast – Flexible In The UK – Varooma™ 2015 #new #business #loans


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Borrow up to 70% of the trade value of your car with one of the UK’s cheapest, best customer rated logbook lenders Varooma.com .

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  • We PROMISE that we will aim to beat any written quote from any other logbook lender

REPRESENTATIVE EXAMPLE:

Amount of Loan £1000.00. Repayable by 12 monthly repayments of £141.67 commencing 1 month from the date of the loan. Total Amount Repayable £1700.04. Rate of Interest 70% per annum flat fixed. Representative 190.3% APR.

Over a half of our customers set up a loan based on this example and this APR. Warning: Late repayments can cause you serious money problems. For help or advice please go to www.moneyadviceservice.org.uk Please take time to read and understand our FAQ’s to ensure our logbook loan product is suitable for your requirements.

In the event there is no willingness to repay your loan, the vehicle you are using as security could be at risk of being repossessed and sold to assist in settling the debt.



Home Loan Rates in 2015: Heres Your Guide. #boat #loan #calculator


#housing loan interest rates
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Home Loan Rates in 2015: Here’s Your Guide

As soon as one starts looking out at properties to buy a house, banks start offering home loans. This can be overwhelming at times. Making a choice then largely depends on comparing what competitor banks have to offer. Here is a list, which compares home loan rates by different banks.

For a loan amount up to Rs 30 lakh and the tenure being 15-20 years, the following is on offering.

  • SBI ( State Bank of India)
  • ICICI Bank
  • HDFC Bank
  • HSBC Bank
  • Axis Bank
  • PNB Housing Finance
  • DHFL
  • India Bulls ( Up to Rs 25 lakh)
  • Citi Bank
  • Tata Capital Housing Finance Ltd

EMI per lakh works out to be Rs 975.

Show Full Article

SBI charges a processing fee of 0.25 per cent of the loan amount up to Rs 25 lakh or minimum Rs 1000. For a loan amount above Rs 25 lakh the processing fee is Rs 3,250. Citibank charges 0.25 per cent of the loan amount. ICICI, HDFC and PNB charge 0.5 per cent of the loan amount as processing fees. However, HDFC has capped the maximum amount to Rs. 10,000. Whereas, Axis Bank and HSBC charge a minimum processing fee of Rs 10,000 or 1 per cent of the total loan amount. DHFL charges Rs 5000 plus document charges and taxes and India Bulls charges Rs 7,500 plus taxes.

2. Floating interest rate of 10.20 per cent

This rate is being offered by the following banks:

  • Federal Bank
  • Bank of India
  • UCO Bank
  • Canara Bank

The EMI per lakh works out to be Rs 978.

Federal Bank and UCO Bank both charge 0.5 per cent of the loan amount. The minimum amount charged is Rs 3000 and Rs 1500 whereas maximum is Rs 7500 and Rs 15,000 respectively by both the banks. Bank of India has decided to waive off processing fees on new loans sanctioned up to March 2015.

3. Floating interest rate of 10.25 per cent

This rate is being offered by the following lenders:

  • IDBI
  • Punjab National Bank
  • Allahabad Bank
  • Central Bank of India
  • Corporation Bank
  • Union Bank of India
  • United Bank of India
  • Bank of Baroda
  • Oriental Bank of Commerce
  • Kotak Bank
  • Dena Bank
  • First Blue Home Finance
  • Syndicate Bank
  • Indian Overseas Bank
  • State Bank of Travancore
  • Indian Bank

The EMI per lakh works out to be Rs 982.

IDBI, Punjab National Bank and Oriental Bank of Commerce have NIL processing fees. State Bank of Travancore does not charge any processing fee up to a loan amount of Rs 25,000 and United Bank of India has waived off processing fee for a loan amount up to Rs 75 lakh. Processing fee ranges from 0.25 per cent to 0.5 per cent of the loan amount. Allahabad Bank charges 0.6 per cent of the loan amount with a cap of Rs 12,000 while India Overseas Bank charges 0.58 per cent of the loan amount with a cap of Rs 10,190.

4. Floating interest rate of 10.26-10.30 per cent

Standard Chartered Bank offers 10.26 per cent on home loans with a processing fee of Rs 5500 plus service tax. The EMI works out to be Rs 982.

Vijaya Bank charges 10.30 per cent and the EMI works out to be Rs 985. The processing fee is 0.25 per cent of the loan amount with a cap of Rs 10,000.

5. Floating interest rate of 10.50 per cent and above

  • Deutsche Bank offers an interest rate of 10.5 per cent and a flat processing fee of Rs 12,000 plus taxes. EMI per lakh works out to be Rs 998.
  • Bank of Maharashtra offers 10.55 per cent (up to 25 lakh) and 10.75 per cent above that. Accordingly the EMI works out to be Rs 1001 and Rs 1015 respectively. Processing fee is 0.25 per cent of the loan amount subject to maximum of Rs 25,000.
  • ING Vysya offers 10.75 per cent, the EMI for which works out to Rs 1015. Processing fee is 0.5 per cent of the loan amount.
  • Development Credit Bank and Dhanalakshmi Bank offer 11.50 per cent and charge a processing fee of 1 per cent. EMI per lakh works out to be Rs 1066.

6. Fixed rates on offer

  • LIC Housing Finance offers 10.10 per cent (fixed for 2 years)
  • HDFC Ltd offers 10.15-10.65 per cent (fixed for 2-3 years) and 10.25- 10.75 per cent (fixed for 10 years).
  • Axis Bank offers 10.40 per cent (fixed for 20 years)

Look out for festive offers when processing fee is waived off and always negotiate for better rates. Request your bank official to share complete details so that there are no surprises in the form of hidden charges, pre-payment charges etc. Also, find out about special rates applicable for self-employed individuals and women.

Hope this compilation helps you in analysing what suits you best.

Data source: deal4loans.com

Disclaimer: All information in this article has been provided by Creditvidya.com and NDTV Profit is not responsible for the accuracy and completeness of the same.

Story first published: Feb 14, 2015 13:46 IST



Historical Mortgage Rates by Month – 1986 to 2015 #bad #credit #business #loans


#home loan interest rate
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HSH’s National Monthly Mortgage Statistics: 1986 to 2015

5/1 ARM

As the nation’s largest publisher of mortgage information, HSH Associates surveys mortgage lenders coast to coast every week. The statistics shown here include both conforming and jumbo mortgages to give a true picture of the overall mortgage market. HSH markets jumbo-only and conforming-only statistics — find out how to order.

Averages shown reflect the interest rate. Points and fees are not included in this series; they are available in different statistical series. Weekly companion averages for this series can be seen in our Statistical Release. HSH can supply detailed statistical series with rates, points, effective rates, averages of other fields, calculated APRs, and more. Our mortgage rate histories go back over 20 years — the most complete and comprehensive archive available.

HSH.COM is the nation’s largest publisher of mortgage information. HSH provides reports for our clients, including lenders, consumers, the media, relocation companies, employee placement firms, and others from its weekly survey of retail lenders coast to coast.

These statistics are copyright 2015 by HSH Associates, Financial Publishers. They may be copied and distributed provided you credit us as Source: HSH.COM

About HSH Data

Unlike other sources, these statistics derive from our objective, editorial survey of between 2,000 and 3,000 lenders in all 50 states and elsewhere. We’ve been doing this for 30 years–we know what we’re doing, and we just keep doing it, every week. Would you like to know more? HSH’s statistics have long been used by top Wall Street firms; by lenders coast to coast; by the media; by government agencies; by Freddie Mac and Fannie Mae; and many others.

You may display the HSH rates data on your websites, provided that you (a) display the data as-is and without any modifications, (b) attribute the data to HSH.com as the source, and (c) include a live link to HSH.com. We reserve the right to require you to remove the data and link at any time in the event that we determine that your use damages or may damage our reputation.



Best Mortgage Companies for 2015 #debit #card #loans


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Compare Reviews of Mortgage Companies

Whether you re a first time homebuyer, a landlord seeking rental properties or a real estate investor, you will probably need the help of a mortgage company to complete your property purchase. Mortgage companies help people secure funding in the form of secured loans against residential or commercial property. Mortgage companies also help property owners refinance existing loans if they are having financial difficulties or might benefit from new terms.

Top 10 of the Best Matched Mortgage Companies

What features matter most?

Positive reputation

Financing options

There are more financing options than ever in the digital age. If a mortgage lender only has a limited number of options only fixed-rate mortgages, for example you might miss out on opportunities that could save you money in the long run.

  • Online financing options. If you’re comfortable using a computer for financial applications, you can comparison shop and apply for mortgages via some lenders’ websites. Just make sure your personal information is encrypted and that mortgage applications are legitimate.
  • Adjustable vs. fixed rate mortgages. The type of mortgage you pursue depends on market conditions. If interest rates are likely to rise, you may be better off with a fixed-rate mortgage, but if they are expected to fall, an adjustable mortgage could save you money.
  • Potential obstacles. The type of mortgage you may qualify for depends on your credit history and credit score. Find out what you are likely to qualify for before you start looking, then approach mortgage lenders who offer the options you’re interested in.
  • Personal referrals

    The mortgage company your sister used last year is often more trustworthy than the one you found via a Google search. The company you found on Google may be perfectly fine, but if you don t know anybody who used it, you can t verify its quality like you can when asking friends and family.

    • Ask for specifics. You may be looking for something different than what your family members or friends wanted. Find out what they liked about the companies they recommend.
    • Get a balanced picture. Ask your friends and family to share both the negatives and the positives in their experience so that they don’t give you an overly positive picture.
    • Check out referred companies on your own. Don’t commit to doing business based on a personal referral alone. Use it as a starting point to investigate companies and choose the one that is best for you.
  • Lowest possible interest rates

    Clear payment terms

    Escrow payment inclusion

    What are different types of mortgage companies?

    Mortgage bankers

    Mortgage brokers

    Who s it for?

    First-time home buyers

    People who are ready to own a home for the first time usually depend on mortgage companies for funding. These people might qualify for special rates or for tax credits because they are buying their first home.

    Rental property companies



  • Cash Advance 2015 – Reviewed and Ranked #small #business #loan


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    Cash Advances

    Best Cash Advances

    Cash advances provide a much-needed service to millions of people. There are many times when short-term debts outrun the ability to pay. In times like this, a cash advance (a loan against a future paycheck) can provide the cash necessary to meet those needs.

    The advantages of cash advances are many. Often they don’t require a credit check ; so the loan, and your repayment, never show up on your credit history. The best cash advances offer amounts that can range from a few hundred dollars to $1,500 (and sometimes more). And you receive your loan very quickly; usually within 24 hours .

    Drawbacks? Cash advances typically charge service fees that are greater than traditional loans. These service fees can range from $10 to $30 per $100 loaned, and sometimes even more. Many states have regulations stipulating the amount of service fees that can be charged. Obviously, the best cash advances are meant to address quick cash needs, and should not be used as a long-term solution.

    Still, in order to meet short-term obligations, cash advances can provide a fast and easy solution. When evaluating different cash advances, there are certain factors you want to consider. Some of these include:

      Loan Amount. How much money do you need? A variety of loan amounts are offered by different lenders. Service Fees. Look for companies that state their fees up front or guarantee lowest fees. Convenience. Can your application be processed entirely online, or will you need to fax in documents? How quick will the money be deposited to you?

    TopConsumerReviews.com has reviewed and ranked the best cash advances available today. We hope these reviews help you meet your short-term financial needs!

    Disclosure. We pay our reviewers for their reviews. We are not compensated by companies for their reviews, but we are compensated for links and advertisements on our website. Click here for details.



    2015 FHA – 203k Loan Limits Wisconsin Illinois Minnesota FL #cash #loans #for #bad #credit


    #fha loan limits
    #

    2015 FHA and FHA 203k Loan Limits

    Effective for Case Numbers Assigned on or after January 1, 2015 through December 31, 2015

    FHA loan limits for all other areas, where 115 percent of the median home price for the area is between the “floor” and “ceiling,” the loan limit shall be set at 115 percent of the median home price as determined by HUD. The list of areas where the FHA loan limits are at the “ceiling” is provided in Attachment I. The list of high cost areas where the FHA loan limits are between the “ceiling” and “floor” is provided in Attachment II. For areas not listed in either Attachment I or II, the FHA loan limits are set at the national “floor.”

    Related Blog Posts

    A non-occupying co-borrower that has a solid credit history, low debt and enough income to meet their needs as well as help one of their relatives can step in and boost an overall mortgage application.

    For people willing to think outside the box, an FHA 203K loan can be a great alternative to a construction loan. People looking to become homeowners are often faced with the same old question: buy a new home, build a new home or buy an existing home? For most people, building a new home can be quite a challenge.

    Recent Posts

    Information is subject to change without notice. This is not an offer for extension of credit or a commitment to lend.

    Loans are subject to credit approval. Programs are subject to change.

    Wisconsin Banker License #43262BA, Broker License #1016BR (also doing business as First Choice Mortgage)

    Minnesota License – Inlanta Mortgage, Inc. #MN-MO-20373610 “Not an offer to enter into an interest rate lock-in agreement under Minnesota law.”

    Illinois An Illinois Residential Mortgage Licensee #MB.0006190 Inlanta Mortgage is regulated by the State of Illinois Department of Financial and Professional Regulation, Division of Banking located at 100 W Randolph, 9th Floor, Chicago IL 60601. Phone #312-793-3000.

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    INLANTA is a trademark of Inlanta Mortgage, Inc. | NMLS ID #1016



    Best Credit Cards for Bad Credit, August 2015 #easy #loans #for #bad #credit


    #credit cards for bad credit
    #

    The Best Credit Cards for Bad Credit, August 2015

    For consumers with a poor credit history, the options for new lines of credit are limited. Far too often, lenders take advantage of people with poor credit by charging high interest rates and fees. Rather than improve their credit, the added debt only makes things worse. The world can be a much uglier place when your credit score is below 650. Before signing up for a new credit card, someone with bad credit should determine the cause of the low score. If it s related to uncontrollable spending, this is the problem that should be solved before looking for new credit.

    Many people with bad credit are interested in improving their credit score, and responsible use of credit is the perfect way to do this. Some credit card issuers offer products designed specifically for people with bad credit. Even though the terms may not be as favorable as other mainstream cards, these can be good instruments for proving to the financial industry one can now handle a credit card without creating more problems. The best credit cards for poor credit generally lack rewards and perks, but the cards you ll find below do offer consumers a line of credit with reasonable interest rates and low fees. If you own a card designed for consumers with bad credit and you love it, let me know and I ll add it to the list.

    The cards on this list report your credit information to all three major credit bureaus, which will help improve your credit score if the behavior is positive.

    Cards for bad credit

    Please come back soon. We are in the process of updating this page.



    Best New Car Finance Deals: October 2015 #2500 #loan


    #best auto loans
    #

    Best New Car Finance Deals: October 2015

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    Best New Car Finance Deals: October 2015

    Financing a new car can become a bigger expense than anticipated for many people, especially if you haven’t shopped around and/or didn’t take interest rates into account when making your new car budget. We’re here to help.

    Automakers and dealers will often add incentives to their vehicles by attaching low financing rates sometimes all the way down to zero percent. We worked with our friends over at TrueCar to find finance deals that are especially good this month. If you’re in the market for one of these cars, don’t delay, as they’re soon set to expire.

    Disclaimer: The deal information is provided for illustrative purposes only, and is not an offer to lend. Results may vary depending on your individual circumstances, including credit approval. Deals are subject to change, and are limited to inventory on hand. See your dealer/manufacturer for details, including actual offers available in your region.

    2015 Chrysler 200

    The Chrysler 200 is reborn in 2015, all new from the ground up and offering a compelling blend of simple elegance, state-of-the-art technology and enhanced driving performance. A segment-first nine-speed automatic transmission and available all-wheel drive complete the transformation.The 200 sedan is offered in both front- and all-wheel drive configurations, with four trim levels: front-wheel drive LX, Limited, C and S trims, as well as all-wheel drive C and S trims only.

    2015 Ford Escape

    The Ford Escape is a mid-size sport-utility vehicle, which incorporates the latest technology and style; setting a high standard in the SUV category.The five-passenger Escape is available in S, SE, and Titanium trims, in either front or four-wheel drive. Engine choices start with the 168-hp 2.5-liter four-cylinder. Also, a 173-hp 1.6-liter EcoBoost four-cylinder engine is available. For even more power a 231-hp 2.0-liter EcoBoost four-cylinder engine is offered. All variations are paired with a six-speed select-shift automatic transmission. Impressive features offered on the Escape include a Panoramic Vista Roof, satellite radio, SYNC, MyFord Touch, a trailer towing package, heated leather seating, navigation system, auto park with cross traffic alert, Sony audio, MyKey, and an industry first hands-free power liftgate. Standard safety features include seven-airbags with drive knee airbag, passive anti-theft system, AdvanceTrac stability control with anti-rollover technology, four-wheel disc brakes, and tire pressure monitoring.

    2015 Mercedes-Benz E350

    Research the 2015 Mercedes-Benz E-Class

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    2016 Scion iA

    Finance Deal: 2.9% financing for 24 months, Exp: 8/3/15

    The all-new 2016 Scion iA is a four-door subcompact sedan.

    At 172 inches long, 67 inches wide and 58.5 inches high, the Scion iA is about the same dimensions as the Chevrolet Sonic, Kia Rio, Ford Fiesta, and Nissan Versa.It uses the same wheelbase of 101 inches as the new Mazda CX-3.Scion iA also competes with the Mazda 2 and Toyota Yaris, which have new models coming before the middle of 2016.

    The new Scion iA is powered by a 1.5-liter engine making 106 horsepower and 103 pound-feet of torque.Despite the fact that Scion is a Toyota brand, the Scion iA does not use the same 1.5-liter engine as in the Toyota Yaris.The iA engine is made by Mazda, using direct injection with a high 12:1 compression ratio.It’s tuned for fuel mileage, with an EPA rating of 31/41 mpg City/Highway with the standard 6-speed manual transmission, or 33/42 mpg with the available 6-speed automatic.



    FHA PMI Rates 2015; Steve Thorne Mortgage Team #advance #loans


    #fha loan rate
    #

    FHA PMI Rate Chart 2015

    FHA PMI Rates 2015 are lower than they have been for many years. This is a great move, and is possible only because the FHA PMI fund is now in positive territory, and they did not have to request additional funds from Congress. For the most part, if you are applying for a FHA Loan, your FHA PMI fees in 2015 are about .5% LESS on a monthly basis than they were in 2014!

    Note we refer to these fees as FHA PMI fees. In reality that s not what they are called by the Industry. They are normally referred to as FHA MIP fees. It s mortgage insurance. It covers the Bank in case you go into foreclosure no matter what you call it, it s the same thing.

    If you already have a FHA Loan, and you are considering a refinance you just got a bonus!

    Low Mortgage rates for a FHA Streamline No Appraisal refinance (that normally costs you ZERO) and lower monthly FHA PMI fees! Win-Win!

    Doesn t happen that often! You can also do a FHA Streamline Refinance if you no longer live in the property! Some banks don t offer this program, but we ve seen homeowners with FHA loans at 4.75% save more than $200 a month with no cost out-of-pocket!

    Obviously, mortgage interest rates changes daily (sometimes hourly) so if you are reading this in November of 2015 and rates have already gone up you should still be happy that you are getting a really good deal on the FHA PMI Rates 2015!



    USDA PMI Rates 2015 North Carolina, USDA Home Loans NC #fast #loan


    #usda home loan
    #

    USDA PMI Rates 2015

    The USDA doesn t really make mortgage loans, they simply insure the bank against you possibly going into foreclosure.  The USDA Home Loan requirements are really a function of what loans USDA will insure.  All mortgages where there s not at least a 20% down payment have some sort of Default Insurance.  The type of insurance that keeps Banks solvent if you find yourself unable to make your mortgage payments.  This Mortgage Insurance is normally referred to as PMI so we call the USDA Home Loan version of Mortgage Insurance USDA PMI.

    USDA Home Loan NC Basic Requirements

    USDA Home Loan NC eligibility requirements really come down to a handful of items:

      • The home you buy must be within the USDA Home Loan Eligibility area . The USDA Eligibility Maps for North Carolina are expected to stay in place until the Summer of 2015.  After that time, there are communities that may no longer qualify for the USDA program in NC.
    • You must be under the USDA Home Loan Income Limit for the County you wish to purchase a home in.  The Income limits vary by household size, and there are exceptions that can be made to help you qualify so if you ve been told you re just over the limit call us.  So many loan officers don t really know how the exemptions work.
    • You need two credit scores over 640.  We might be able to get you approved if you have 2 scores over 620 it will just depend on all of the other factors that play into your qualification picture.  If you have assets left over after closing, or if you are not going to have payment shock.  If you have MULTIPLE layers of risk, the NEW USDA Loan approval model is looking for a credit score of 680!
    • Any Foreclosure, Deed In Lieu, or Short Sales need to be at least 36 months behind you.
    • Student Loans . even those in deferment will be counted against you.
    • The Maximum total debt ratio guideline is 42% .  We ve seen files REJECTED that had 660 credit scores and a 44% debt to income ratio.  Ratios and Credit scores need to be IN-LINE for USDA Home Loan approvals right now.
    • USDA Home Loans are for Owner Occupied Properties. not Commercial Farms, 30 year fixed rate mortgages.

    USDA Home Loans NC are one of the most desired mortgages available because they are cheap to get into they require no down payment.  They have very low closing costs, and USDA Loans allow the Seller to pay closing costs. Many times, folks in North Carolina can get into a home with a USDA Home Loan and less than $750.  If you have enough cash reserves to make a down payment and qualify for a conventional loan A USDA Home Loan might not be the right program for you .

    USDA PMI Rates 2015

    The USDA PMI Rates 2015 are also pretty cheap, when compared to FHA loans.  There s an upfront, initial premium charged of 2%.  This USDA PMI premium is generally added to the Loan amount.  So, if the home that you want to purchase is $250,000, we would multiply that by 2% (which equals $5000) and your loan amount would then be $255,000.  This will not change your monthly payments very much and if you don t want to go into your home with negative equity you can get a gift to cover the charge.  You could also use the NCHFA 3% Grant funds to cover the cost, assuming you qualify for the program.

    In addition to the upfront USDA PMI fees, there s an annual charge as well.  The Annual USDA PMI Rates 2015 are charged at a rate of .5%.  This means that on our example sales price of $250,000 with a loan amount of $255,000 we would multiply that by .5% to get an annual rate of $1275.  This amount is divided by 12 and would be added to your homeowners insurance, taxes, principal and interest and paid back $106.25 a month.

    USDA PMI does not age off the loan.  Meaning you will not get a portion of the upfront fee refunded if you move 14 months later.  If you live in the property for 17 years, and you ve built up tons of equity in the home, USDA PMI will still be charged each year.

    Here s the good part about that the annual USDA PMI Rate will be charged on the Balance at the beginning of that new year.  So each year, as you pay your mortgage balance down, the amount of USDA PMI charged will be charged on that lower balance, and will be less from year to year (I m hoping this makes sense if not call me and I ll run an amortization for you to see).

    USDA Home Loans are part of the Federal Budget process, and as such the maximum income limits and USDA PMI Rates are subject to change every October.  It s normally announced in September if there will be a USDA PMI Rate change.  This year it went from an annual rate of .4 to .5 so it s not a huge difference!

    USDA Home Loans NC First Time Home Buyers

    If you have not owned a home in the last 36 months you might qualify for the North Carolina Housing Finance Agency (NCHFA) First Time Home Buyer Program.  The program is designed for folks with good credit, they require at least a 640, and they also have income limits which vary per county.

    There are three parts to the NC First Time Home Buyer Program first, you might qualify for a mortgage tax credit.  The Tax Credit (called MCC ) can add up to an additional $2000 a year to your income, allowing you to qualify for a slightly bigger home.  The NCHFA Program also offers 3% in a Down Payment / Closing Cost Assistance Grant that is forgivable, and carries no interest.  These benefits can be used in combination with the USDA Home Loan Program in North Carolina.

    Additionally, the program offers below market Mortgage PMI rates for Conventional Loans, for those who qualify!

    If you want to learn more about No Money Down Home Loans in NC. please call Steve and Eleanor Thorne 919 649 5058, we know what works in North Carolina, and we help people here buy their dream homes every single month!  We offer Today’s Lowest Mortgage Rates !



    2015 FHA Loan Update – Rates, Requirements, Changes and More #secured #loans #for #people #with #bad #credit


    #fha loan qualifications
    #

    FHA Loans in 2015: Changes, Requirements, Rate Forecasts and More

    October 21, 2014 | By Brandon Cornett | 2015, all rights reserved | Duplication prohibited

    to see how much you can afford.

    It happens every year at this time. Right now, a lot of would-be home buyers are shelving their purchase plans until after the holidays. That means they are looking ahead to 2015, with an eye on mortgage rates, home prices, and lending standards.

    To support these over-the-horizon buyers, the Home Buying Institute is publishing a series of updates for 2015. This update includes 2015 FHA loan requirements and guidelines, along with a 12-month rate forecast provided by Freddie Mac.

    What Is an FHA Loan?

    The FHA loan program remains one of the most popular financing options for home buyers, especially first-time buyers. But the rules of the game have changed over the last few years. In short, it has become harder to qualify for these loans, and the government is charging higher mortgage premiums than in the past.

    We will get to the 2015 guidelines and requirements in a moment. But first, let s answer a common question among first-time home buyers:

    What is an FHA loan anyway?

    FHA mortgage loans are insured by the federal government. The program is managed by the Federal Housing Administration and its parent organization, the Department of Housing and Urban Development (HUD). The Federal Housing Administration insures lenders against losses that may result from borrower default. This government-provided insurance is the primary difference between FHA and conventional or regular home loans (learn more ).

    Down payments are another FHA distinction. Borrowers who use this program can put as little as 3.5% down when buying a house.

    These days, many of the banks and lenders that provide home loans in general offer FHA products as well. The program has become much more popular since the housing market crashed, though its popularity has waned a bit over the last two years. These loans are particularly popular among first-time buyers, due to the relatively small down payment mentioned above.

    Here s one thing borrowers should know about FHA loan requirements in 2015: Contrary to popular belief, they are not necessarily easy to obtain. That may have been true to some extent in the past. But it s not anymore. Let s discuss the reasons why

    FHA Changes: Not an Easy Loan Anymore

    There is a longstanding notion that FHA loans are easier to obtain, when compared to a regular conventional loan. This is due to the government insurance mentioned above.

    There is some truth to this notion. Historically, borrowers who could not qualify for conventional financing have been able to use the FHA program as a last resort. The government backing makes lenders a bit more forgiving, when it comes to borrower qualifications and credentials.

    But the qualification gap has narrowed over the last two or three years. The reason for this is that the Federal Housing Administration s capital reserve fund (the money they are required to have on hand) took a huge hit during the housing crisis and subsequent recession. In fact, the FHA went into the red for a while, having no reserve funds at all.

    In 2013, the usually self-sufficient agency required a taxpayer bailout of $1.7 billion to cover losses resulting from shaky loans made during the housing collapse. That was the first time in the agency s 79-year history that it required taxpayer funding to stay afloat.

    In the wake of those troubles, the Department of Housing and Urban Development made a series of FHA program changes designed to (A) bolster revenues and (B) reduce future losses. Among the changes were new credit-score rules for borrowers, higher insurance premiums. and reduced limits on maximum loan size. In short, the agency is now requiring higher standards for borrowers, and charging more for FHA loans. These rules will apply to borrowers in 2015 as well (see the guidelines section below).

    2015 Guidelines and Requirements at a Glance

    FHA guidelines and requirements for 2015 will be very similar to what they are now. No major changes have taken place over the last few months, and none have been announced for the months ahead. That doesn t mean HUD won t make additional program changes sometime during 2015. They certainly could. It just means we don t anticipate anything new for the foreseeable future.

    Here is an overview of FHA loan requirements and standards for 2015:

    • This program is open to all borrowers who meet the minimum eligibility requirements below. It is not limited to first-time buyers, contrary to popular belief.
    • All FHA borrowers are required to make a down payment of at least 3.5% of the sale price or the appraised value (whichever is less).
    • To qualify for the 3.5% down-payment option mentioned above, borrowers must have a credit score of 580 or higher.
    • Borrowers with a credit score between 500 and 579 must put at least 10% down, if they can get approved at all.
    • There are debt requirements as well, but these are a bit more lax when compared to the credit scores above. Generally speaking, a borrower s total monthly debt load should account for no more than 43% of his or her monthly income.
    • HUD allows borrowers to have higher debt-to-income ratios if the lender can identify and document significant compensating factors. Such factors might include a long history of timely mortgage payments, excellent credit, or significant cash reserves. For a complete list of compensating factors for high-debt borrowers, refer to HUD Handbook 4155.1, Chapter 4, Section F.
    • Borrowers with credit scores below 620, and total debt-to-income (DTI) ratios above 43%, may encounter additional scrutiny during the application and approval process. Borrowers in this bracket may have to undergo manual underwriting. The underwriter will be looking for compensating factors to make up for the low-score / high-debt situation.
    • Lenders can impose their own guidelines on top of those promulgated by HUD. This is known as an overlay. So it s possible for a borrower to be turned down due to a low credit score (for instance), even though the score meets HUD s minimum cutoff. There are essentially two sets of requirements the lender s, and the government s.

    Note: This is a brief overview of 2015 FHA standards and guidelines. For more information on this subject, refer to FHAhandbook.com or HUD.gov. Additionally, there are exceptions and allowances to many of the requirements mentioned above. Borrowers should not assume they are unqualified based on one or more of these guidelines. The only way to know for sure is to apply for the program.

    Mortgage Rate Forecast for 2015

    This is the part where we gaze into our crystal ball to conjure an FHA mortgage rate forecast for 2015. Actually, I m going to defer to a third party on this one. Here is a chart that shows Freddie Mac s expectations for 30-year fixed mortgage rates, between now and the end of 2015.

    Freddie Mac is the government-controlled corporation that buys and sells mortgage-backed securities. They have been running a weekly survey of lending rates since 1971. The chart above shows their economists best guess for rate changes over the next four quarters. This chart applies to both FHA and conventional (non-government-insured) products. So it could be viewed as a 2015 forecast for FHA loan rates as well.

    If this forecast proves accurate, it means that borrowers should expect gradually rising interest rates between now and the end of next year. Not a spike by any means but a motivator nonetheless. When you consider that home prices are also expected to rise next year in most U.S. cities, it sends a pretty strong signal to buyers. Postponing a purchase could cost you money.

    Learn more: We have built a separate website for borrowers who are interested in this financing program. If you would like to learn more about FHA loan requirements and guidelines for 2015, visit FHAhandbook.com and download our e-book. It is available in PDF format at no cost whatsoever. The website also includes a Q A blog with new articles added every week.

    Disclaimer: The 2015 FHA rate forecast above is based on third-party data and estimations. This outlook does not necessarily reflect the views of the publisher. We make no claims or guarantees about future conditions within the mortgage industry or broader economy.



    Lawsuit Funding 2015 – Reviewed and Ranked #home #loan #interest #rates


    #settlement loans
    #

    Lawsuit Funding Companies

    Best Lawsuit

    Funding Companies

    If you have a lawsuit pending, and are struggling to make ends meet, lawsuit funding loans are an option to get your cash fast. The process typically includes a discussion with a lawyer, an analysis of your case, and if approved, a wire or check for your money in as little as 24 hours.

    Lawsuit loan approval is not contingent on a borrower’s credit history. While there are many factors that can influence lawsuit funding eligibility, the main ones include the type of court case you have and the likelihood of winning the case or obtaining a settlement. The fees charged by the finance company are calculated by using a formula that involves how soon your lawsuit case will settle, the likelihood that you’ll win your case, the state in which you live, and more. The good thing about lawsuit funding is that if you lose the case and any potential settlement money. you typically don’t have to pay back the loan.

    While there are a number of lawsuit loan companies you can choose from, they don’t all offer the same level of service. When choosing a lawsuit funding service, you should first consider several factors:

      History. How long has the company been in business? What is the Better Business Bureau rating for that company? Professionalism. How informative and professional is the company? Can you easily find the information that you’re looking for? Turnaround. Many companies promise quick turnaround on loans. What is the anticipated turnaround timeframe on obtaining a lawsuit funding loan?

    TopConsumerReviews.com has reviewed and ranked the best lawsuit funding companies available today. We hope these reviews help you find the best service to meet your financial needs!

    Disclosure. We pay our reviewers for their reviews. We are not compensated by companies for their reviews, but we are compensated for links and advertisements on our website. Click here for details.



    Best Mortgage Companies for 2015 #loans #for #people #with #poor #credit


    #best home loan
    #

    Compare Reviews of Mortgage Companies

    Whether you re a first time homebuyer, a landlord seeking rental properties or a real estate investor, you will probably need the help of a mortgage company to complete your property purchase. Mortgage companies help people secure funding in the form of secured loans against residential or commercial property. Mortgage companies also help property owners refinance existing loans if they are having financial difficulties or might benefit from new terms.

    Top 10 of the Best Matched Mortgage Companies

    What features matter most?

    Positive reputation

    Financing options

    There are more financing options than ever in the digital age. If a mortgage lender only has a limited number of options only fixed-rate mortgages, for example you might miss out on opportunities that could save you money in the long run.

    • Online financing options. If you’re comfortable using a computer for financial applications, you can comparison shop and apply for mortgages via some lenders’ websites. Just make sure your personal information is encrypted and that mortgage applications are legitimate.
    • Adjustable vs. fixed rate mortgages. The type of mortgage you pursue depends on market conditions. If interest rates are likely to rise, you may be better off with a fixed-rate mortgage, but if they are expected to fall, an adjustable mortgage could save you money.
    • Potential obstacles. The type of mortgage you may qualify for depends on your credit history and credit score. Find out what you are likely to qualify for before you start looking, then approach mortgage lenders who offer the options you’re interested in.
  • Personal referrals

    The mortgage company your sister used last year is often more trustworthy than the one you found via a Google search. The company you found on Google may be perfectly fine, but if you don t know anybody who used it, you can t verify its quality like you can when asking friends and family.

    • Ask for specifics. You may be looking for something different than what your family members or friends wanted. Find out what they liked about the companies they recommend.
    • Get a balanced picture. Ask your friends and family to share both the negatives and the positives in their experience so that they don’t give you an overly positive picture.
    • Check out referred companies on your own. Don’t commit to doing business based on a personal referral alone. Use it as a starting point to investigate companies and choose the one that is best for you.
  • Lowest possible interest rates

    Clear payment terms

    Escrow payment inclusion

    What are different types of mortgage companies?

    Mortgage bankers

    Mortgage brokers

    Who s it for?

    First-time home buyers

    People who are ready to own a home for the first time usually depend on mortgage companies for funding. These people might qualify for special rates or for tax credits because they are buying their first home.

    Rental property companies



  • Best Payday Loans 2015 – Reviewed and Ranked #student #loans #for #college


    #compare payday loans
    #

    Payday Loans

    Best Payday Loans

    Payday loans provide a much-needed service to millions of people. There are many times when short-term debts outrun the ability to pay. In times like this, a payday loan (a loan against a future paycheck) can provide the cash necessary to meet those needs.

    The advantages of payday loans are many. Often they don’t require a credit check ; so the loan, and your repayment, never show up on your credit history. The best payday loans offer amounts that can range from a few hundred dollars to $1,500 (and sometimes more). And you receive your loan very quickly; usually within 24 hours .

    Drawbacks? Payday loans typically charge service fees that are greater than traditional loans. These service fees can range from $10 to $30 per $100 loaned, and sometimes even more. Many states have regulations stipulating the amount of service fees that can be charged. Obviously, the best payday loans are meant to address quick cash needs, and should not be used as a long-term solution.

    Still, in order to meet short-term obligations, payday loans can provide a fast and easy solution. When evaluating different payday loans, there are certain factors you want to consider. Some of these include:

      Loan Amount. How much money do you need? A variety of loan amounts are offered by different lenders. Service Fees. Look for companies that state their fees up front or guarantee lowest fees. Convenience. Can your application be processed entirely online, or will you need to fax in documents? How quick will the money be deposited to you?

    TopConsumerReviews.com has reviewed and ranked the best payday loans available today. We hope these reviews help you meet your short-term financial needs!

    Disclosure. We pay our reviewers for their reviews. We are not compensated by companies for their reviews, but we are compensated for links and advertisements on our website. Click here for details.



    2015 – s Best Online Payday Loan Lenders #unsecured #loan


    #best loans
    #

    Home

    A payday loan is a short-term, unsecured loan that you receive from a business (typically a loan store), rather than a bank. It is called a payday loan because the money is generally meant to help you make it to your next payday. It is an effective way to obtain needed cash if you are unable to secure extra credit through other methods. Payday loans are also sometimes referred to as cash advances, since they are expected back when you are paid from your place of employment. Loans can be given in multiple forms such as cash, or deposited directly into the borrower s account.

    Generally, interest is applied to the loan that is expected to be paid back at the time of repayment. The interest can range greatly depending on the institution, and what part of the world the person resides in. Some payday lending institutions perform a credit check and/or employment verification. These measures are taken in order to ensure that the borrower will be able to repay the loan.

    In the traditional model of payday loans the lender expects that the borrower will repay their loan (plus interest) in full on their next payday. Payment is possible through numerous methods the borrowers account may be debited, they can provide the lender with a postdated cheque, or they can pay in cash. If they are unable to pay and the funds are not in their bank account, this will result in bounced fee which can sometimes be negotiated.

    Conveniently enough, payday loans are also available online. This process involves completing an online loan application form. In this case, the funds would be directly deposited into the borrower s account, and then electronically withdrawn on the next payday (expected repayment date).

    Payday loans are becoming increasingly popular, making it so important to know the elements that characterize a good payday loan. If you are considering taking out a payday loan here are the things to consider when you are looking for the best online payday loans.

    The internet can be a bit of a scary place. When you are looking for the best online payday loans it is important to ensure the credibility of the site you are considering borrowing from. Take a look at reviews online are borrowers generally satisfied with their loans? Is the lender a well known institution? If anyone reports having issues obtaining their money, or complains of misuse of the personal information they provided, it is probably safe to assume that looking for a different lender would be in your best interest.

    Low Interest Rate

    Check out the cost of the loan. There are many different institutions offering payday loans out there, some with better deals and interest rates than others. Why would you accept a loan for 40%, when you could have one for 20%? As well, some lenders advertise different deals and specials, particularly if you are a first time borrower example, first 100 dollar free. Take a look at what is available to ensure that you find the online payday loan that makes the most financial sense / the most reasonable rate.

    Consider whether the site is easy to use, and whether all the information you need is accessible. As well, take note of how much personal information they are requiring and if their process seems simple, or unnecessarily complicated.

    Instant / Fast Approval

    Some lenders advertise either instant or fast approval. Sometimes this can be quite beneficial if you want to obtain the money as soon as possible. If there is no lengthy approval process, this just makes everything a bit smoother.

    Customer Service

    When you are checking the reviews of the payday lender for credibility, take note if there was any mention of customer service. If there are complaints about lack of availability of people to speak in case of an issue, this might be a bit of a red flag. Plus, great customer service is hard to beat.

    As you can tell, there is a lot of information that is important to know when you considering taking out a payday loan! But once you are informed it is so much easier to assess and find the best online payday loans available and most importantly, the one that works for you!



    5 Financial Aid, Student Loan Changes to Anticipate in 2015 – US News #unsecured #loans #for #people #with #bad #credit


    #student loan rates
    #

    5 Financial Aid, Student Loan Changes to Anticipate in 2015

    Credit standards for PLUS borrowers are easing this year, say experts.

    The past several years brought some notable changes to student loans and financial aid .

    Everything from how interest is calculated on federal loans to which loans are available to graduate students has shifted.

    But 2015 should be different, say experts.

    Generally, we don’t anticipate too many major changes this year, says Megan McClean, the National Association of Student Financial Aid Administrators’ managing director of policy and federal relations.

    Still, there are some student loan tweaks on the docket in 2015. Some are certainties, others are proposals.

    Here are five to expect.

    ​1. Federal student loan interest rates will ​rise or fall. Prepare for changes on the interest rates of Direct subsidized, unsubsidized and PLUS loans.

    Rates will reset, based on 10-year Treasury rates in May, says Jason Delisle, director of the Federal Education Budget Project at the New America Foundation, a nonprofit think-tank​.

    Experts are split on whether 2015 will bring an increase or decrease to interest rates.

    But even if rates rise, federal student loans are still one of the most forgiving forms of student debt, says Lauren Asher, president of the Institute for College Access Success. They’re by far the safest way to borrow if you need to borrow for school, she says.

    The new rates will only apply to loans disbursed between July 1, 2015 and June 30, 2016. They will not retroactively change the rates of loans from previous years.

    2. Pell Grant amounts will increase. The maximum amount a student can receive in federal Pell Grants, one of the most generous types of federal financial aid, will increase to $5,830 in the 2015-2016 academic year​ – a $100 increase from the previous year.

    Pell Grants​, which don’t need to be repaid, are typically awarded to families making less than $40,000, says Asher.

    3. Pay As You Earn is set to expand. ​ President Barack Obama announced plans last ​June to expand access to Pay As You Earn. a federal repayment program that allows borrowers to limit student loan payments to 10 percent of their discretionary income and forgives the remaining balance after 20 years.

    Currently, only relatively recent borrowers have access to the plan. Students who borrowed before October 2007 or haven’t borrowed since October 2011 can’t access PAYE but may repay through different, less generous income-driven plans.

    The expansion would make borrowers who took out earlier loans eligible to switch into Pay As You Earn.

    The Department of Education estimates that as many as 5 million borrowers will become eligible to enroll in Pay As You Earn after the expansion, which is slated for late 2015.

    [Obama] wanted this to be in effect by December of this year, says McClean. That would be assuming that everything goes on time.

    4. PLUS loans will become more accessible. In 2011, federal lenders tightened the credit standards required to borrow PLUS loans, resulting in hundreds of thousands of rejection letters. Students of historically black colleges and universities and for-profit schools were hit particularly hard .

    Borrowers of federal Parent and Grad PLUS loans in 2015 will see an easing of the criteria used to determine whether an applicant has a clean enough credit record to qualify for PLUS loans. This could potentially increase the number of applicants who pass the credit check by 370,000, says the Department of Education .

    Another change to the program: PLUS borrowers who sign on with an endorser will be required to receive loan counseling before receiving the loan, says McClean, of NASFAA​.

    5. The federal rating system is scheduled for publication. The proposed federal rating system. which will rate colleges based on access, affordability and outcomes, is slated to become available by the 2015-2016 academic year. The ratings aim to give families a better sense of a college’s value and eventually tie federal funding for financial aid to a college’s performance.

    The U.S. Department of Education released a framework recently and is accepting feedback from the public until Feb.​ 17, 2015.

    If the department​ sticks to its timeline, the rating system is supposed to be out sometime this year, says McClean.

    Trying to fund your education? Get tips and more in the U.S. News Paying for College center.

    Clarified on Jan. 14, 2015: This article has been updated to clarify the name of the New America Foundation.



    Auto Loans 2015 – Reviewed and Ranked #refinancing #car #loan


    #best auto loans
    #

    Auto Loans

    Best Auto Loans

    Finding an auto loan is no longer limited to what your current bank will offer or what the dealer brings to the table. You can take control of your next auto loan terms by shopping online for the best deal available. Several auto loan companies post the most competitive auto loan rates online to attract your business.

    In today’s economy, may people have less than perfect credit. Many companies offer car loans to those who have suffered bankruptcy, late payments or a low credit score. By researching and finding the best auto loan. you’ll potentially save hundreds to thousands of dollars each year in payments and interest over other auto loans.

    However, not all auto loan companies are the same. Before you apply for your next auto loan, consider the following important factors:

      History. Does the auto loan company have a history of pleasing the customer and using quality business practices? How do they rank at the Better Business Bureau? Focus. What type of auto loans do they offer? Are their auto loans geared for all levels of credit? Application Process. What is the process of applying for the auto loan?

    TopConsumerReviews.com has reviewed and ranked the best Auto Loans available today. We hope these reviews help you find the most affordable loan available for you!

    Disclosure. We pay our reviewers for their reviews. We are not compensated by companies for their reviews, but we are compensated for links and advertisements on our website. Click here for details.



    Best Credit Cards For Bad Credit in 2015 – The Simple Dollar #long #term #loan


    #bad credit credit cards
    #

    Featured Cards

    If your credit is less than perfect, you may have trouble qualifying for new credit. Meanwhile, it can be difficult to improve your credit history if you’re not actively trying.

    Credit cards for bad credit, help you work on rebuilding your credit history and improving your credit score over time. The best credit cards for bad credit come in two different varieties: secured and unsecured. Secured cards require you to put down a cash deposit that you can borrow against, whereas unsecured cards do not. Both types of cards have certain limitations, but either can put you on the path toward an overall improvement in your credit score.

    If you can, I highly recommend getting an unsecured card, like the Credit One® Unsecured Visa® Card .

    Highlights:

    There are three main reasons why I recommend this card for people with subpar credit:

    1. Since it isn’t a secured credit card, you won’t have to put down a deposit.
    2. You have the ability to earn rewards for gas purchases many secured cards don t offer any rewards at all.
    3. After making several payments on time, you may be able to secure a credit line increase.

    Another excellent option for those trying to build their credit is the Total VISA Credit Card issued by Mid America Bank Trust Company pursuant to a license from Visa U.S.A. Inc. Mid America Bank Trust Company; Member FDIC. Although it doesn’t offer a rewards program, it does offer fast or instant approval in certain cases, which is an excellent perk for anyone needing a card that reports to the major bureaus.

    Another unsecured card for bad credit that should be at the top of anyone’s list is the Milestone® Gold MasterCard®. Not only does this card offer a quick pre-qualification process that won’t result in a hard inquiry on your credit report, but it also offers custom design options and easy online account access. Adding to the card’s value is the fact that past bankruptcies on your report are usually okay, provided you are using credit responsibly today.

    Highlights:

    Simple Rules For Getting A Card With Bad Credit

    Getting a credit card for bad credit is one of the best ways to begin repairing any credit mistakes you may have made in the past. However, there are a few “rules” that can help guide you towards the best outcome possible. Before you apply, here are some basic tips to consider:

    • Know your credit score
    • Decide if you want a card or if you really need a short term loan. If its the latter, check out the Best Bad Credit Loan options.
    • Sign up for a credit monitoring service
    • Don’t apply for the best rewards cards, travel cards, or cash back cards
    • Consider using a prepaid debit card if you find yourself falling behind

    You first need to understand your credit before you can improving it. How else would you know what improvements to make? Federal law allows you to get a free copy of your credit report every 12 months from each credit reporting agency, which enables you to ensure the information on all of your credit reports is correct and up to date. To get a copy of your free credit report from the three credit reporting agencies, visit AnnualCreditReport.com.

    Once you pour through your credit report and analyze the factors that may be negatively impacting your credit score, you can also consider using a credit monitoring service as your next step. Not only can credit monitoring services help you understand what goes into your credit report, but they can also protect you from future negative impacts from fraud or identity theft.

    In a post on the best credit monitoring services. we recommend Identity Guard as the top choice, but I ve included others for you to consider.



    2015 Jeep Grand Cherokee Gas Mileage, MPG, and Fuel Economy Ratings #2015 #jeep #grand #cherokee #mpg,2015 #jeep #grand #cherokee #gas #mileage


    #

    2015 Jeep Grand Cherokee MPG

    Changes for the 2015 Jeep Grand Cherokee:

    Jeep makes few updates to the 2015 Grand Cherokee, and they re restricted to the top-of-the-line Summit and SRT versions of the venerable SUV.

    Summit models add acoustic laminated windshield and side window glass to quiet the cabin, and also gain Active Noise Cancellation technology to further quell unwanted aural annoyances. Additionally, the Summit gets new illuminated doorsill trim and a Berber-style cargo mat, and is offered with a new Argentina Tan interior color. A Summit California appearance package adds a mix of body-color and Platinum Chrome trim to the exterior, along with Satin Carbon-finish 20-inch aluminum wheels.

    The high-performance Grand Cherokee SRT gets a slight bump in horsepower and torque this year, to 475 hp and 470 lb.-ft. respectively. Active Noise Cancelation is added to this version, too, and the SRT is offered as a new Red Vapor Special Edition model.

    The 2015 Jeep Grand Cherokee is available in base Laredo, leather-lined Limited, upscale Overland, luxurious Summit, and performance-tuned SRT trim levels, each featuring a unique look to set it apart.

    Engines and Transmissions:

    There are four different engines available for the 2015 Grand Cherokee. A 290-horsepower, 3.6-liter V-6 is standard in all but the SRT model, and buyers can upgrade to a 360-horsepower, 5.7-liter V-8 with fuel-saving cylinder deactivation technology or a 240-horsepower, 3.0-liter turbo-diesel V-6 that delivers an impressive 420 lb.-ft. of torque. A 475-horsepower, 6.4-liter V-8 engine is standard in the Grand Cherokee SRT.

    All four engines are paired with an 8-speed automatic transmission that includes paddle shifters. Rear-wheel drive is standard for all models except the SRT, which is equipped with a special 4-wheel-drive system that biases power delivery to the rear wheels.

    Other Grand Cherokees can be fitted with one of three 4WD systems. Quadra-Trac I is fully automatic, Quadra-Trac II offers a low-range gearing plus Selec-Terrain technology, and Quadra-Drive delivers all of the engine s power to just one wheel when necessary.

    Fuel Economy Ratings:

    Stick with the Grand Cherokee s standard V-6 engine and you can expect to get 20 mpg in combined driving. Opt for the V-8, and that rating drops to 17 mpg. The so-called EcoDiesel engine returns 25. All three of these numbers will fall by one digit when 4WD is added to the equation.

    Wondering what the high-performance Grand Cherokee SRT gets? How does 15 mpg sound?

    The NHTSA gives the Grand Cherokee 4WD a better crash-test rating than the Grand Cherokee 2WD, only because the latter proves less stable in a potential rollover situation. The 4WD model gets a 5-star overall rating, while the 2WD model earns a 4-star rating due to its 3-star rollover resistance score.

    In tests conducted by the Insurance Institute for Highway Safety (IIHS), the Grand Cherokee earns the top rating of Good in all assessments except for the small overlap frontal-impact test, in which the SUV receives a Marginal rating.

    Jeep offers an impressive array of mechanical, convenience, safety, and infotainment technologies for the 2015 Grand Cherokee.

    Written by Christian Wardlaw

    September 17, 2014



    Texas Property Tax Code 2015 – O – connor – Associates – Property Tax Reduction Experts #texas #property #tax #code #2015, #o #connor # # #associates, #property #tax #reduction #experts, #o #connor # # #associates # # #property #tax #reduction #experts, #property #tax #reduction #experts


    #

    Texas Property Tax Code 2015

    The Texas Property Tax Code available on this website are current through the Regular Session of the 84th Legislature, June 2015. The Texas Constitution is current through the amendments approved by voters in November 2015.

    The Texas Property Tax Code (TPTC) contains statues regulating the assessment, taxation, exemptions, appeal options, hearing procedures for Texas property tax appeals. judicial appeals for Texas property taxes, timely payment of Texas property taxes. and penalties for late payment of property taxes. The TPTC covers all counties in Texas and does not vary from county to county. Each county has an appraisal district which estimates the market value (assessed value) for real and personal property in the county.

    Articles on appealing your property taxes and obtaining exemptions are available in this site. This and the preceding paragraph were prepared by O’Connor Associates and the Texas Property Tax Code is determined by the legislature and compiled by the Texas Comptroller.

    Visit our Texas Property Tax Code Explained page for clarification and explanation of certain tax code sections.

    Table of Contents

    Title 1. Property Tax Code

    Subtitle A. General Provisions

    Subtitle B. Property Tax Administration

    Chapter 6. Local Administration

    Subtitle C. Taxable Property and Exemptions

    Chapter 11. Taxable Property and Exemptions

    Subtitle D. Appraisal and Assessment

    Chapter 22. Renditions and Other Reports

    Chapter 23. Appraisal Methods and Procedures

    Chapter 24. Central Appraisal

    Subtitle E. Collections and Delinquency

    Chapter 33. Delinquency

    Chapter 34. Tax Sales and Redemption

    Subtitle F. Remedies

    Chapter 41. Local Review

    Chapter 42. Judicial Review

    Title 3. Local Taxation

    Subtitle B. Special Property Tax Provisions

    Chapter 312. Property Redevelopment and Tax Abatement Act

    Chapter 313. Texas Economic Development Act

    Property Tax Locations

    Houston Office (Corporate)

    2200 North Loop West, Suite 200
    Houston, TX 77018
    713-686-9955

    Dallas Office

    (By appointment only)
    12300 Ford Rd. Suite #D365
    Dallas, TX 75234
    972-243-9966

    Austin Office

    (By appointment only)
    Foxglove Executive Suites
    11782 Jollyville Rd. Suite 103
    Austin, TX 78759
    512-716-8985

    San Antonio Office

    (By appointment only)
    Galaxy Plaza II
    8535 Wurzbach Rd. Ste. 203
    San Antonio, TX 78240
    210-226-0829



    VA Mortgage Rates – 2015 VA Loan Limits and Guidelines #home #loans #for #bad #credit


    #home loan rate
    #

    Click To See Today’s Rates

    Posted February 17, 2015

    As Seen On

    VA Home Loan Rates, Guidelines and Loan Limits (Updated For 2015)

    Current VA Home Loan Rates

    The VA home loan offers incredible benefits to current and former members of the US Armed Forces. VA loans require no down payment, no mortgage insurance, and less money upfront.

    Over 20 million veterans have taken advantage of the program since its creation in 1944. Some 630,000 obtained a VA loan in 2013 alone. The VA home loan program is catching on and gaining steam.

    And for good reason.

    Veterans enjoy low overall loan costs. VA mortgage rates today are 0.25% to 0.50% lower than those available for conventional loans and mortgage insurance is never required — regardless of your downpayment.

    VA-eligible mortgage applicants save thousands in mortgage interest throughout their loan term.

    Current Mortgage Rates for VA Home Loans

    VA mortgage rates are among the lowest of all available mortgage rates. There are several reasons why.

    The first reason why VA mortgage rates are low is because VA home loans  are guaranteed against loss by the Department of Veterans Affairs. Lenders assume very little risk on VA loans.

    A second reason why mortgage rates are low for VA loans is that the program boasts some of the lowest default rates of any mortgage loan type. Lower default risk leads to lower future costs and rock-bottom rates.

    A third reason is competition.

    Lenders like to make VA loans for the two reasons above and the competition for veterans’ business creates downward price pressure.

    Mortgage rates today are at 21-month lows with many VA lenders offering mortgage rates in the low-3 percent range.

    Today’s mortgage rates are helping to keep home affordable for VA home buyers, and the VA streamline refinance program has helped reduce payment for thousands of existing VA homeowners since last year.

    Just a few years ago, VA mortgage rates were in the 8s.

    2015 VA Loan Limits

    Among the benefits of a VA loan is that the program allows for “jumbo” loan sizes in some U.S. cities without charging its borrowers extra.

    For example, VA buyers can borrow up to $417,000 with no money down, which means that any U.S. home sold for $417,000 or less can be financed 100%.

    However, this $417,000 limit is just a minimum. In certain “expensive” parts of the country, however, VA loan limits range much higher.

    Consider that the average sales price in December 2014 for a single-family home was $255,800, according to the National Association of REALTORS®. Yet, in San Francisco, California; or, New York City, buyers would be hard-pressed to find a home for even two or three times that amount.

    To help its military borrowers, then, the Department of Veterans Affairs extends its maximum loan limits in cities in which costs are typically higher.

    As a few examples of the VA’s extended loan limits:

    • Marin County, California home buyers: VA loans up to $625,500
    • Seattle, Washington home buyers: VA loans up to $517,500
    • Boulder, Colorado home buyers: VA loans up to $456,550

    The 2015 VA loan limits chart tops out at $721,050 for home buyers in Honolulu, Hawaii.

    These extended limits help VA-eligible buyers nationwide — especially as home prices rise. Via the VA loan guaranty program, veterans have a zero-down mortgage option for homes sold above the national average.

    Request a Free VA Rate Quote

    Get a VA rate quote before considering your other home buying or refinancing options. Often, VA home loans provide lower upfront and lifetime costs; and more flexible underwriting standards.

    Applicants don’t need a DD-214 or Certificate of Eligibility (COE) to start. In fact, many VA home buyers complete applications online, or over the phone, with no documentation in front of them whatsoever.

    Rate quotes are free and require no social security number to get started.

    The information contained on The Mortgage Reports website is for informational purposes only and is not an advertisement for products offered by Full Beaker. The views and opinions expressed herein are those of the author and do not reflect the policy or position of Full Beaker, its officers, parent, or affiliates.



    The Best personal Loan for 2015 – Pick The Cheapest One #how #to #get #a #car #loan


    #best personal loans
    #

    Share this:

    So, you need to find the best personal loan option? Perhaps you need to remodel the kitchen, add a pool to the backyard, or start your own business. And, you do not qualify for a home equity loan. Whatever the case may be, you want to be sure that you are getting the best loan for your circumstances. I have researched through 100 s of sites and 100 s of banks to prepare this list of current top 10 personal loan providers. List Last Updated 09/15/2015

    Just a word of caution, personal loan can only be taken when all other options, such as borrowing money from your friends, relative and co workers is not possible. You do not have enough home equity. You can t loan from your retirement saving account. You also do not qualify for a 0% intro APR balance transfer credit cards, where you can put all your credit card debt and use your borrowing power to meet your cash need at 0% APR. Personal loans from banks cost high interest.

    To me the best personal loan is the one you get from your friends or relative, probably at no interest. We listed some ways to arrange for quick money when there is a sudden need. When personal loans is the best option, you should try to explore all your offers.  Presenting the best offers available today for your consideration.

    On readers request linking the best option on the top   Personalloans.com   is the loan broker, where you can opt for multiple providers at one attempt. Compare the offers on their APR, fees and maximum loan amount, to decide where you want to go.

    Ground work before application for best personal loan

    All options mentioned in this article, cost sufficiently high interest rates, but, they are the best in market right now.

    There are three main things that you should take notice of when applying for a personal loan:

    1. Will the loan amount meet your needs,
    2. The interest % (APR), and
    3. If there are any fees attached to the loan.

    If you figure that you need $20,000, then you want to be sure that your financial institution will lend out that much money to an individual. If they do not, then you are simply wasting your time with the loan application.

    The interest rate is very important and should be carefully reviewed. Ideally, you want this percent to be as low as possible given your credit rating. When comparing institutions, compare the rates second.

    Finally, be sure to avoid all fees when signing up for a personal loan. Some institutions will try even try to sneak the fee into your overall loan amount. Be aware of this and negotiate your way out of fees or simply take your business elsewhere.

    If the loan amount is large enough, the interest rate is generally lower, and there are no fees, be certain that you can afford the monthly payment. If you typically have an extra $500 at the end of each month, accept a loan with a payment amount of no more than $250. You will have emergencies and you want to be certain that you can always make the monthly payment.

    Important  Now, bring copies of your pay stubs, tax return document or W2 (if applicable) and social security number. Continue reading the article and click on the links to finish your application process. Almost all lenders will need to check credit report and verify income before extending you a loan. And since having credit inquiry on your account makes your score go down, you want to have all the inquiries made in a short span, for personal loans, possibly in one day, so that all credit inquires from all banks are treated as single inquiry. Good luck!

    Below are the companies providing best personal loans

    Top 10 Personal Loan Option

    After thorough research our team has come up with initial list of 10. Now it has been revised as of 09/15/2015, based on current rating and customer satisfaction.

    1) Personalloans.com    They are the aggregator, they go out to different lenders to find the best rate for you.  They get rave reviews from customers and they have a starting low rate of 6.35%,  rate will go up depending on your credit report and income. You can get a loan up to $35,000 if you have a good score. If I need a personal loan, I would go with PersonalLoans. Majority of our readers got cheapest rate from personalloans.com

    2) Upstart Loans  – Upstart is rapidly rising to the top. Last year, they were not even in top 10.  This is the place to check your eligibility second, because of their fast and superior service with lowest loan rate in the market, which start at just, yes just 4.67% .  They say you are more than your credit score. They consider your education and work experience while determining your loan APR. Get your funds in bank in just 3 days.   Many borrowers reported getting less than 10% APR on their loan. One unique feature about them is fund disbursement in a day. Yes! in a day you can expect to receive fund in your checking account.

    The below lines are from an existing Upstart borrower.  Isn t this very exciting? I was a little skeptical at first because of the low rates and the easy/online application process I thought for sure there would be hidden costs and that it was too good to be true. So I researched online and read all these other great reviews and decided to go for it. I applied, got an awesome rate, verified my info online and over the phone, and saw the funds deposited this morning .

    3) Prosper – Known for their best customer service and quick disbursement. We d suggest you don t finalize a loan without checking with Prosper.com once .  This company is a peer-to-peer lending operation. So, having a lower cost on the source of money (as they pay lesser interest to individual lenders, as opposed to big banks) they can afford to extend personal loan at a lower interest  With a good credit, you can get a rate as low as 6.68% .

    I recently visited Prosper.com   as I have an investment account with them (I lend money to borrowers there). They had a nice 6.73% APR personal loan offer for me. Your mileage may vary, depending on your credit history.

    4) Avant  – We consider Avant, the best direct loan provider. They have least median interest rate, meaning,  you re expected to get lowest interest rate from Avant, compared to other places if your credit score is not among the best. Their interest rate starts from 9.95% Avant (previously known as Avant Credit) has served more than 150,000 borrowers since 2012. They have received great customer reviews lately and they offer quite a wide variety of loan amounts – between $1,000 and $35,000.

    5) Lending Club –  APR starts from 6.78%.  You simply enter in your name, address, age, and your yearly income and the system will generate your rate. At this point, you can simply accept the offer and continue with the steps to complete the process. If funding is quick, you could receive your money in less than a week.

    Top 5 Personal Loan Providers At a Glance



    SBI personal loan emi calculator November 2015 – Calculate EMI – Deal4loans #low #interest #loans


    #personal loans calculator
    #

    SBI personal loan emi calculator November 2015 Calculate EMI

    Use SBI Personal Loan EMI Calculator to find out how much EMI you will have to pay for your Personal Loan at state bank of India.

    SBI personal loan Emi Calculator – Find how much EMI amount you have to pay for your Personal loan. Just Enter your loan amount, Interest rates and loan tenure period to get the instant quotes within seconds.

    SBI offers custom made personal loan scheme to borrowers in the form of credit loan, saral loan, pension loan and festival loans.

    Do you want funds readily available to you whenever you desire or need, be it a sudden vacation that you plan with your family or urgent funds required for medical treatment? SBI Saral Personal Loan is the answer to your questions.

    The loan will be granted for any legitimate purpose whatsoever (e.g. expenses for domestic or foreign travel, medical treatment of self or a family member, meeting any financial liability,such as marriage of son/daughter, defraying educational expenses of wards, meeting margins for purchase of assets etc.)

    Repayment



    Obama Loan Modification Program Extended Through 2015 – Has The Details #loans #for #people #with #no #credit


    #loan modification program
    #

    A new LoanLove.com article reports on the recent HAMP extension and how struggling homeowners will benefit.

    San Diego, CA (PRWEB) July 07, 2013

    Many struggling homeowners have been helped by the HAMP program over the years, and with the Obama loan modification program extended through 2015, many more stand to benefit. LoanLove.com, a website with the mission of helping consumers and borrowers to obtain the latest information on mortgage lending trends, the real estate market and U.S. financial landscape in order to help them obtain a home loan that they will love, helps their readers to understand the ins and outs of the extension in a recently posted guide. The team at LoanLove.com is devoted to help empower both first time and experienced homeowners with valuable resources, first-class knowledge and connections to top-rated industry professionals. To fulfill this goal LoanLove.com is continually updating their website with new articles and guides. This new article explains the details of the new extension and how it can benefit those who are struggling to avoid foreclosure.

    The article reports: “The Obama administration has announced a HAMP extension for 2 additional years, through 2015. It will be extending its hallmark Making Homes Affordable (MHA) initiative until the end of 2015, hoping the extension will allow more homeowners to take advantage of loan modifications which can help them avoid foreclosure. Immediately following the statement by the administration, the Federal Housing Finance Authority (FHFA) directed mortgage underwriters Fannie Mae and Freddie Mac to continue aiding homeowners through the government’s popular Home Affordable Modification Program (HAMP) throughout the extension period.”

    This is the second such extension, with the first extending the program past its original cut off date of December 31st 2012, to December 31st 2013. Obviously this is great news for many who have not had the chance to avail of the HAMP modification program and this is also one of the primary reasons the program has been extended. In a statement regarding the extension, Treasury Secretary Jack Lew said the extension provides critical relief to homeowners still facing significant financial troubles. “The housing market is gaining steam, but many homeowners are still struggling,” Lew said, “Extending the program for two years will benefit many additional families while maintaining clear standards and accountability for an important part of the mortgage industry.”

    The article explains: “HAMP provides incentives for lenders and loan servicing companies who agree to rewrite loan terms to help borrowers avoid foreclosure. According to data from the U.S. Treasury, homeowners participating in the program have realized median monthly savings of $546. The MHA also offers a similar refinance program for homeowners whose homes are not guaranteed by Fannie Mae or Freddie Mac. Although the administration predicted HAMP would provide aid to as many as 3 million to 4 million homeowners, so far only about 1.1 million homeowners have taken advantage of the program.”

    This means there are still nearly 3 million homeowners who have yet to use the program. Those who wish to find out what they qualify for can use loan analysis tools such as the REST Report, which will help them to check their qualifications as well as assist in expediting the modification process if they do qualify.

    For more information on the recent HAMP extension and the tools available to help applicants apply for their modification, please visit LoanLove.com for the full article.

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    NerdWallet’s Best Credit Cards for Bad Credit in 2015 #home #loan #refinance


    #bad credit
    #

    More from the nerds

    NerdWallet

    Many of the credit card offers that appear on this site are from companies from which NerdWallet receives compensation.

    The results of our “card comparison and finder tool”, card assessments, and reviews are based on objective quantitative and qualitative analysis of card attributes. They are not affected by compensation.

    Compensation may impact which cards we review and write about and how and where products appear on this site (including, for example, the order in which they appear).

    While we try to feature as many credit cards offers on our site as we can maintain (1,700+ and counting!), we recognize that our site does not feature every card company or card available on the market.

    Additionally, our star ratings are a mix of user feedback and NerdWallet’s independent evaluation which are independent of compensation.

    For a list of all of our advertising partners, click here

    ‘> Advertiser Disclosure

    NerdWallet’s Best Credit Cards for Bad Credit in 2015

    You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

    Having a poor or very limited credit history makes it tough to get approved for a credit card. But secured credit cards are generally easier to get, and in some cases, they can help you improve your FICO score enough to qualify for unsecured cards.

    Best if you’re low on cash for a deposit: Capital One® Secured MasterCard®



    Stated Income Loans in 2015: Lenders, Rates and Guidelines #1500 #loan


    #stated income loans
    #

    Stated Income Loans in 2015: Yes, They Are Coming Back

    Just a few years ago, stated income loans were very popular and there were plenty of stated income lenders who had flexible guidelines and low stated income rates.

    Then the credit crisis hit and lenders began pulling their stated income mortgage programs. As lenders began to stop offering stated income loans, many small business owners and others began to have problems getting loans because they have unique situations that the stated income loan programs serve.

    Stated income loans are popular with many people, but here are just a few of the types of borrowers who may consider getting a stated income loan:

    • Self employed people who own a small business
    • Highly commissioned people who may have a low base salary but make most of their income on commission
    • People who can t document at least 2 years of income at their current income levels
    • People who make plenty of money but don t want to disclose their income for one reason or another

    In 2015: Guidelines Vary By Lender

    With stated loans starting to be offered again from some lenders in 2015, these people (and others) are starting to be able to get loans again which will help them refinance their current house or buy a new house with a mortgage loan. Stated income guidelines are never really the same between lenders. Each lender will develop a stated income product and then create guidelines around the product. Stated income programs will vary by lender and will usually develop nicknames like no doc , low doc , SISA and many more.

    Stated Income Lenders

    Not all lenders offer stated income loan programs, and most loan officers know that having a stated income lender can make all the difference when it comes to helping a borrower get into a home who is a small business owner. Stated income lenders are mostly smaller lenders at this point who are coming up with creative solutions and stated income products with flexible guidelines so that they can attract business that is good business and not business that they don t really want.

    These stated income loan programs are all going to be different based on guidelines set by the lender. For example, a NINA loan at Lender A will probably have a different guideline set than a NINA at Lender B. This is why it is so important when considering a stated income loan, be sure to shop around.

    Stated Income Interest Rates

    Stated income interest rates will also vary by lender. Expect the interest rate for a state income loan to be higher than an FHA loan interest rate, but nothing that is out of the market. Stated income loans carry a premium, but they have to be competitive. Expect a couple of percentage points higher than a FHA loan and you should be close.

    Frequently Asked Questions

    What is a SIVA loan?

    What is a SISA loan?

    Yes. It is possible to have your loan declined for the reason that your stated income doesn t match your job description and title. If you are a waitress that declares you make 50,000 per month, that may be an example where an Underwriter would look twice at your file. Underwriters have resources to see the range of pay based on title and job description and while not always accurate, they are typically in the ballpark.

    It is also possible that the underwriter or lender will require that you fill out a form (IRS Form 4506), which allows the lender to request IRS verification of your tax returns for the previous two years.



    Home Loans: Citi Mortgage, PHH Mortgage Rates Nov 16, 2015 – Highlight Press #bac #home #loans


    #home loan rates
    #

    Home Loans: Citi Mortgage, PHH Mortgage Rates Nov 16, 2015

    Citi Mortgage

    30 year fixed rate loan interest rates at Citi Mortgage (NYSE:C) start at 3.875 % and an APR of 4.057 % today. The shorter term, popular 15 year loan interest rates are being quoted at 3.125 % and APR of 3.442 %.

    Refinance Interest Rates

    PHH Mortgage

    The benchmark 30 year fixed rate loan interest rates have been listed at 4.110% at PHH Mortgage yielding an APR of 4.207% today. 15 year fixed rate mortgages at the bank are coming out at 3.400% with an APR of 3.569%.

    10 year fixed rate mortgages are available starting at 3.190% at the bank today yielding an APR of 3.434%. The best 20 year loan interest rates are on the books at 3.980% at the bank carrying an APR of 4.113%.

    5 year Adjustable Rate Mortgages can be had for 3.250% at PHH with a starting APR of 3.261%. ARM interest rates in the 7 year category are listed at 3.500% with an APR of 3.393% to start. 10/1 ARM loans are being offered for 3.750% today with an APR of 3.604% to start.

    Mortgage Rates for Refinance

    The best 30 year refinance fixed rate mortgage interest rates are being offered for 3.50% at PHH and an APR of 3.723%. The shorter term 15 year refinance FRMs are 2.75% at the bank with an APR of 3.239%. The 7/1 Adjustable Rate Mortgage interest rates have been quoted at 2.625% today yielding an APR of 3.141%.



    Home Equity Loans 2015 – Reviewed and Ranked #text #loans


    #home equity loan rates
    #

    Home Equity Loans

    Best Home

    A home equity loan is a popular strategy for home owners that want to use the equity in their homes to create cash in their pockets. Home equity loans are typically used for home improvements, to pay off debt, make a large purchase, send a child to college, and much more.

    A home equity loan can mean your existing loan is refinanced or a second loan can be assumed. Determining which move makes better financial sense, refinancing or a second loan, is dependent on several factors such as your current mortgage loan terms and which banks are willing to offer you a home equity loan given your creditworthiness. Before you call your current mortgage lender to discuss a home equity loan, you should consider shopping around for the best home equity loan rates. This can mean saving several thousands of dollars in interest and mortgage payments over the life of the loan.

    The best home equity loans may be found online from mortgage companies and banks that offer the most competitive rates available in the market. A few home equity loan companies even offer a mortgage broker like service that helps customers find the best loan, with the lowest interest rates terms.

    Before jumping on the internet to search for your next home equity loan you should consider the following:

      Loan Application. What are the steps required to begin the home equity loan search? Selection. How many banks does the company work with to find you the best home equity loan rate? History. Does the home equity loan company have a solid reputation that you can feel good about?

    TopConsumerReviews.com has reviewed and ranked the best Home Equity Loan providers available today. We hope these reviews help you find the right home equity loan for your needs!

    Disclosure. We pay our reviewers for their reviews. We are not compensated by companies for their reviews, but we are compensated for links and advertisements on our website. Click here for details.



    FHA announces 2015 loan limits #business #loans #for #women


    #what is a fha loan
    #

    FHA announces 2015 loan limits

    The Federal Housing Administration has announced its loan limits for 2015, and the limits for the highest and lowest cost areas will remain the same in the new year.

    For areas considered to be high cost, including San Francisco, Washington, D.C. New York, and some parts of Los Angeles, the FHA loan limit will remain at the national ceiling, $625,500.

    For areas considered to be low cost, the FHA loan limit will remain at $271,050.

    The FHA recalculates its national loan limit on a yearly basis. The limits are based on a percentage calculation of the nation conforming loan limit.

    Depending on those limits, FHA s minimum national loan limit floor is at 65% of the national conforming loan limit. The floor applies to those areas where 115% of the median home price is less than 65% of the national conforming loan limit, the FHA said.

    On the higher end of the scale, any area where the loan limit exceeds the floor is considered a high cost area. The maximum FHA national loan limit ceiling is at 150% of the national conforming limit. In areas where 115% of the median home price (of the highest cost county) exceeds 150% of the conforming loan limit, the FHA loan limits remain at 150% of the conforming loan limit, the FHA said.

    Areas are eligible for FHA loan limits above the national standard limit, and up to the national ceiling level, based on that particular area s median area home prices.

    Additionally, the FHA also announced that the mortgage loan limits for FHA-insured reverse mortgages will remain unchanged in 2015. The FHA s reverse mortgage program, called the Home Equity Conversion Mortgage, will continued with a maximum claim amount of $625,500.

    The actual loan amounts are determined by property value, borrower age, and current interest rates.

    The new loan amounts go into effect on Jan 1, 2015 and will remain in effect until the end of the year.

    For a look at the loan limits for high cost areas, click here .

    For a look at the loan limits for lower cost areas, click here .



    Best Credit Cards for Bad Credit, August 2015 #loan


    #credit cards for bad credit
    #

    The Best Credit Cards for Bad Credit, August 2015

    For consumers with a poor credit history, the options for new lines of credit are limited. Far too often, lenders take advantage of people with poor credit by charging high interest rates and fees. Rather than improve their credit, the added debt only makes things worse. The world can be a much uglier place when your credit score is below 650. Before signing up for a new credit card, someone with bad credit should determine the cause of the low score. If it s related to uncontrollable spending, this is the problem that should be solved before looking for new credit.

    Many people with bad credit are interested in improving their credit score, and responsible use of credit is the perfect way to do this. Some credit card issuers offer products designed specifically for people with bad credit. Even though the terms may not be as favorable as other mainstream cards, these can be good instruments for proving to the financial industry one can now handle a credit card without creating more problems. The best credit cards for poor credit generally lack rewards and perks, but the cards you ll find below do offer consumers a line of credit with reasonable interest rates and low fees. If you own a card designed for consumers with bad credit and you love it, let me know and I ll add it to the list.

    The cards on this list report your credit information to all three major credit bureaus, which will help improve your credit score if the behavior is positive.

    Cards for bad credit

    Please come back soon. We are in the process of updating this page.



    FHA to lower cost of mortgage insurance – Jan. 7, 2015 #stafford #loan


    #fha loan rates
    #

    FHA to lower cost of mortgage insurance

    In an effort to make owning a home more affordable, the Federal Housing Administration will dramatically cut the costs associated with the mortgages it backs.

    As a result, a typical first-time homebuyer will save $900 a year on their mortgage payments. Existing homeowners who refinance into an FHA loan will see similar savings.

    “Too many creditworthy families who can afford — and want to purchase — a home are shut out of homeownership opportunities due to today’s tight lending market,” the White House said.

    The White House estimates that the lower premiums will enable up to 250,000 new buyers to purchase a home.

    In the wake of the financial meltdown and ensuing foreclosure crisis, FHA raised its mortgage insurance premiums to shore up its finances. But now home values are on the rise, the jobs picture is improving and foreclosures have fallen to their lowest level since 2006.

    Last March, the FHA announced it would not need another bailout due to improving financial conditions. The White House said that even after lowering premiums, reserves in the fund are projected to grow by $7 billion to $10 billion annually.

    FHA loans have been an important lifeline for low-income and higher risk borrowers in the wake of the financial crisis. As private lenders tightened their lending standards, FHA-backed loans became the only mortgages available to many of those buyers, given their tiny down-payment requirements and easier credit-score hurdles.



    Private Student Loan Report Q1 2015 #student #loan #interest #rates


    #private student loan
    #

    Private Student Loan Report Q1 2015

    Private Student Loan Report Q1 2015

    The MeasureOne Private Student Loan Report is a semi-annual analysis of the size and performance of the Private Student Loan Market. The goal of the report is to expand data availability and increase transparency to better enable fact-based decision making in the $1.27 trillion student loan market.

    This report serves as an update to the December 2015 report, and adds data for Q4 2014 and Q1 2015.

    Key Findings of the Report

    The Q1 2015 report shows that private student loans, a small portion of the student loan market, continue to demonstrate positive performance trends in terms of repayment, delinquencies, and charge-offs:

    • Private student loans make up 7.2% of the total student loan market.
    • Delinquencies and charge-offs at lowest Q1 levels since 2009.
    • Almost 76% of loans in repayment status.
    • Significant 5-year improvement across all nine MeasureOne key performance measures.

    Background

    • The Private Student Loan Performance Report analyzes loan data from MeasureOne’s Private Student Loan Consortium, a group of the nation’s largest active private student lenders and holders of private student loans.
    • Consortium Members are Citizens Bank N.A.; Discover Bank; Navient; PNC Bank, N.A.; Sallie Mae, and Wells Fargo Bank, N.A.
    • The six consortium participants represent approximately 71 percent of the entire $91 billion private student loan market.


    Rogers State University – Nursing Ranking 2015 #rogers #state #university, #nursing, #ranking, #rankings, #ratings, #2015


    #

    Rogers State University
    Nursing Ranking 2015

    in the USA Rogers State University is a small public college offering numerous disciplines along with the nursing major and located in Claremore. Oklahoma. This college was opened in 1909 and is presently offering associate’s and bachelor’s degrees in Registered Nursing.

    Rogers State University is pretty affordable: tuition cost is about $13,000 a year. According to recent studies, Rogers State University area is relatively safe; the college is reported to have a fair rating for on-campus secutiy.

    Rogers State University nursing program ranks #1,155 (out of 2704; top 45%) in the United States and #16 in Oklahoma. Major competitors for this college are University of Kansas in Lawrence and University of Missouri Kansas City in Kansas City. Check the details about all twelve competing nursing colleges as well as list of available nursing majors below.

    Nursing programs ratings 2014-2015:

    Overall school rankings 2015:

    Ranked #16 Nursing School in Oklahoma
    Ranked #383 Nursing School in The South
    Ranked #1,155 Nursing School in USA

    Programs rankings 2015:

    State of Oklahoma Ranking

    The South Regional Ranking

    USA National Ranking

    Ranked #942 Registered Nursing School
    View USA National Ranking

    More program rankings:

    You could be interested in alternative options to get accepted at Rogers State University:

    Contact information:

    Rogers State University
    1701 W Will Rogers Blvd
    Claremore, OK 74017-3252
    Phone: (918) 343-7777

    Nursing majors offered:

    Associate’s degree



    San Diego State University #san #diego #state #university, #academic #ranking #of #world #universities, #2016, #top #500 #universities, #world #university #ranking, #2015


    #

    Total Enrollment:27970
    International Students:1253(4%)
    Undergraduate Enrollment:23860
    International Students:632(3%)
    Graduate Enrollment:4110
    International Students:621(15%)

    Undergraduate Programs
    Accountancy
    Accounting
    Aerospace Engineering
    Africana Studies
    American Indian Studies
    Anthropology
    Applied Mathematics
    Art
    Asian Studies
    Astronomy
    Biology
    Chemical Physics
    Chemistry
    Chicana and Chicano Studies
    Child and Family Development
    Civil Engineering
    Classics
    Communication
    Comparative Literature
    Computer Engineering
    Computer Science
    Construction Engineering
    Criminal Justice
    Dance
    Economics
    Electrical Engineering
    English
    Environmental Engineering
    Environmental Sciences
    Environmental Studies and Sustainability
    European Studies
    Finance
    Financial Services
    Foods and Nutrition
    French
    Geography
    Geological Sciences
    German
    Gerontology
    Health Science (Public Health)
    History
    Hospitality and Tourism Management
    Humanities
    Information Systems
    Interdisciplinary Studies In Three Departments
    International Business
    International Security and Conflict Resolution
    Japanese
    Journalism and Media Studies
    Kinesiology
    Latin American Studies
    Liberal Studies (For Elementary School Teachers)
    Linguistics
    Management
    Marketing
    Mathematics
    Mechanical Engineering
    Microbiology
    Modern Jewish Studies
    Music
    Nursing
    Philosophy
    Physical Science
    Physics
    Political Science
    Psychology
    Public Administration
    Real Estate
    Recreation Administration
    Religious Studies
    Russian
    Russian and Central European Studies
    Social Science
    Social Work
    Sociology
    Spanish
    Speech, Language, and Hearing Sciences
    Statistics
    Sustainability and Environmental Studies (See Environmental Studies and Sustainability)
    Television, Film and New Media Production
    Theatre Arts
    Master’s Degree Programs
    Accountancy
    Anthropology
    Art
    Asian Studies
    Bioengineering
    Bioinformatics and Medical Informatics
    Biology
    Biomedical Quality Systems
    Business Administration
    Chemistry
    City Planning
    Civil Engineering
    Communication
    Computational Science
    Computer Science
    Counseling
    Creative Writing
    Criminal Justice and Criminology
    Economics
    Education
    Education – Post Secondary Leadership
    Education – Post Secondary Leadership, Specialization In Student Affairs
    Electrical Engineering
    Engineering (Aerospace, Bioengineering, Civil, Electrical, Mechanical)
    English
    Executive MBA
    Exercise Physiology
    French
    Geography
    Geological Sciences
    Gerontology
    History
    Homeland Security
    Journalism and Media Studies
    Kinesiology
    Latin American Studies
    Linguistics
    Master of Arts In Liberal Arts and Sciences
    Master of Business Administration and Juris Doctor
    Master of Business Administration and Master of Arts In Latin American Studies
    Master of Public Health and Master of Social Work
    Master of Science In Nutritional Science and Master of Science In Exercise Physiology
    Master of Social Work and Juris Doctor
    Mathematics
    Mechanical Engineering
    Microbiology
    Music
    Nursing
    Nutritional Sciences
    Philosophy
    Physics
    Political Science
    Psychology
    Public Administration
    Public Health
    Radiological Health Physics
    Regulatory Affairs
    Rehabilitation Counseling
    Rhetoric and Writing Studies
    Social Work
    Sociology
    Spanish
    Speech, Language, and Hearing Sciences
    Sports Business Management MBA
    Statistics
    Television, Film and New Media Production
    Theatre Arts
    Women’S Studies
    Doctoral Programs
    Audiology
    Biology (Cell and Molecular Biology)
    Chemistry
    Clinical Psychology
    Computational Science
    Ecology
    Education
    Educational Leadership
    Engineering Sciences / Applied Mechanics
    Evolutionary Biology
    Geography
    Geophysics
    Language and Communicative Disorders
    Mathematics and Science Education
    Philosophy
    Public Health

    Performance in Academic Ranking of World Universities



    Obama Loan Modification Program Extended Through 2015 – Has The Details #auto #loan #interest #rates


    #loan modification program
    #

    A new LoanLove.com article reports on the recent HAMP extension and how struggling homeowners will benefit.

    San Diego, CA (PRWEB) July 07, 2013

    Many struggling homeowners have been helped by the HAMP program over the years, and with the Obama loan modification program extended through 2015, many more stand to benefit. LoanLove.com, a website with the mission of helping consumers and borrowers to obtain the latest information on mortgage lending trends, the real estate market and U.S. financial landscape in order to help them obtain a home loan that they will love, helps their readers to understand the ins and outs of the extension in a recently posted guide. The team at LoanLove.com is devoted to help empower both first time and experienced homeowners with valuable resources, first-class knowledge and connections to top-rated industry professionals. To fulfill this goal LoanLove.com is continually updating their website with new articles and guides. This new article explains the details of the new extension and how it can benefit those who are struggling to avoid foreclosure.

    The article reports: “The Obama administration has announced a HAMP extension for 2 additional years, through 2015. It will be extending its hallmark Making Homes Affordable (MHA) initiative until the end of 2015, hoping the extension will allow more homeowners to take advantage of loan modifications which can help them avoid foreclosure. Immediately following the statement by the administration, the Federal Housing Finance Authority (FHFA) directed mortgage underwriters Fannie Mae and Freddie Mac to continue aiding homeowners through the government’s popular Home Affordable Modification Program (HAMP) throughout the extension period.”

    This is the second such extension, with the first extending the program past its original cut off date of December 31st 2012, to December 31st 2013. Obviously this is great news for many who have not had the chance to avail of the HAMP modification program and this is also one of the primary reasons the program has been extended. In a statement regarding the extension, Treasury Secretary Jack Lew said the extension provides critical relief to homeowners still facing significant financial troubles. “The housing market is gaining steam, but many homeowners are still struggling,” Lew said, “Extending the program for two years will benefit many additional families while maintaining clear standards and accountability for an important part of the mortgage industry.”

    The article explains: “HAMP provides incentives for lenders and loan servicing companies who agree to rewrite loan terms to help borrowers avoid foreclosure. According to data from the U.S. Treasury, homeowners participating in the program have realized median monthly savings of $546. The MHA also offers a similar refinance program for homeowners whose homes are not guaranteed by Fannie Mae or Freddie Mac. Although the administration predicted HAMP would provide aid to as many as 3 million to 4 million homeowners, so far only about 1.1 million homeowners have taken advantage of the program.”

    This means there are still nearly 3 million homeowners who have yet to use the program. Those who wish to find out what they qualify for can use loan analysis tools such as the REST Report, which will help them to check their qualifications as well as assist in expediting the modification process if they do qualify.

    For more information on the recent HAMP extension and the tools available to help applicants apply for their modification, please visit LoanLove.com for the full article.

    Share article on socal media or email:



    2015 FHA Loan Update – Rates, Requirements, Changes and More #best #personal #loans


    #fha loan qualifications
    #

    FHA Loans in 2015: Changes, Requirements, Rate Forecasts and More

    October 21, 2014 | By Brandon Cornett | 2015, all rights reserved | Duplication prohibited

    to see how much you can afford.

    It happens every year at this time. Right now, a lot of would-be home buyers are shelving their purchase plans until after the holidays. That means they are looking ahead to 2015, with an eye on mortgage rates, home prices, and lending standards.

    To support these over-the-horizon buyers, the Home Buying Institute is publishing a series of updates for 2015. This update includes 2015 FHA loan requirements and guidelines, along with a 12-month rate forecast provided by Freddie Mac.

    What Is an FHA Loan?

    The FHA loan program remains one of the most popular financing options for home buyers, especially first-time buyers. But the rules of the game have changed over the last few years. In short, it has become harder to qualify for these loans, and the government is charging higher mortgage premiums than in the past.

    We will get to the 2015 guidelines and requirements in a moment. But first, let s answer a common question among first-time home buyers:

    What is an FHA loan anyway?

    FHA mortgage loans are insured by the federal government. The program is managed by the Federal Housing Administration and its parent organization, the Department of Housing and Urban Development (HUD). The Federal Housing Administration insures lenders against losses that may result from borrower default. This government-provided insurance is the primary difference between FHA and conventional or regular home loans (learn more ).

    Down payments are another FHA distinction. Borrowers who use this program can put as little as 3.5% down when buying a house.

    These days, many of the banks and lenders that provide home loans in general offer FHA products as well. The program has become much more popular since the housing market crashed, though its popularity has waned a bit over the last two years. These loans are particularly popular among first-time buyers, due to the relatively small down payment mentioned above.

    Here s one thing borrowers should know about FHA loan requirements in 2015: Contrary to popular belief, they are not necessarily easy to obtain. That may have been true to some extent in the past. But it s not anymore. Let s discuss the reasons why

    FHA Changes: Not an Easy Loan Anymore

    There is a longstanding notion that FHA loans are easier to obtain, when compared to a regular conventional loan. This is due to the government insurance mentioned above.

    There is some truth to this notion. Historically, borrowers who could not qualify for conventional financing have been able to use the FHA program as a last resort. The government backing makes lenders a bit more forgiving, when it comes to borrower qualifications and credentials.

    But the qualification gap has narrowed over the last two or three years. The reason for this is that the Federal Housing Administration s capital reserve fund (the money they are required to have on hand) took a huge hit during the housing crisis and subsequent recession. In fact, the FHA went into the red for a while, having no reserve funds at all.

    In 2013, the usually self-sufficient agency required a taxpayer bailout of $1.7 billion to cover losses resulting from shaky loans made during the housing collapse. That was the first time in the agency s 79-year history that it required taxpayer funding to stay afloat.

    In the wake of those troubles, the Department of Housing and Urban Development made a series of FHA program changes designed to (A) bolster revenues and (B) reduce future losses. Among the changes were new credit-score rules for borrowers, higher insurance premiums. and reduced limits on maximum loan size. In short, the agency is now requiring higher standards for borrowers, and charging more for FHA loans. These rules will apply to borrowers in 2015 as well (see the guidelines section below).

    2015 Guidelines and Requirements at a Glance

    FHA guidelines and requirements for 2015 will be very similar to what they are now. No major changes have taken place over the last few months, and none have been announced for the months ahead. That doesn t mean HUD won t make additional program changes sometime during 2015. They certainly could. It just means we don t anticipate anything new for the foreseeable future.

    Here is an overview of FHA loan requirements and standards for 2015:

    • This program is open to all borrowers who meet the minimum eligibility requirements below. It is not limited to first-time buyers, contrary to popular belief.
    • All FHA borrowers are required to make a down payment of at least 3.5% of the sale price or the appraised value (whichever is less).
    • To qualify for the 3.5% down-payment option mentioned above, borrowers must have a credit score of 580 or higher.
    • Borrowers with a credit score between 500 and 579 must put at least 10% down, if they can get approved at all.
    • There are debt requirements as well, but these are a bit more lax when compared to the credit scores above. Generally speaking, a borrower s total monthly debt load should account for no more than 43% of his or her monthly income.
    • HUD allows borrowers to have higher debt-to-income ratios if the lender can identify and document significant compensating factors. Such factors might include a long history of timely mortgage payments, excellent credit, or significant cash reserves. For a complete list of compensating factors for high-debt borrowers, refer to HUD Handbook 4155.1, Chapter 4, Section F.
    • Borrowers with credit scores below 620, and total debt-to-income (DTI) ratios above 43%, may encounter additional scrutiny during the application and approval process. Borrowers in this bracket may have to undergo manual underwriting. The underwriter will be looking for compensating factors to make up for the low-score / high-debt situation.
    • Lenders can impose their own guidelines on top of those promulgated by HUD. This is known as an overlay. So it s possible for a borrower to be turned down due to a low credit score (for instance), even though the score meets HUD s minimum cutoff. There are essentially two sets of requirements the lender s, and the government s.

    Note: This is a brief overview of 2015 FHA standards and guidelines. For more information on this subject, refer to FHAhandbook.com or HUD.gov. Additionally, there are exceptions and allowances to many of the requirements mentioned above. Borrowers should not assume they are unqualified based on one or more of these guidelines. The only way to know for sure is to apply for the program.

    Mortgage Rate Forecast for 2015

    This is the part where we gaze into our crystal ball to conjure an FHA mortgage rate forecast for 2015. Actually, I m going to defer to a third party on this one. Here is a chart that shows Freddie Mac s expectations for 30-year fixed mortgage rates, between now and the end of 2015.

    Freddie Mac is the government-controlled corporation that buys and sells mortgage-backed securities. They have been running a weekly survey of lending rates since 1971. The chart above shows their economists best guess for rate changes over the next four quarters. This chart applies to both FHA and conventional (non-government-insured) products. So it could be viewed as a 2015 forecast for FHA loan rates as well.

    If this forecast proves accurate, it means that borrowers should expect gradually rising interest rates between now and the end of next year. Not a spike by any means but a motivator nonetheless. When you consider that home prices are also expected to rise next year in most U.S. cities, it sends a pretty strong signal to buyers. Postponing a purchase could cost you money.

    Learn more: We have built a separate website for borrowers who are interested in this financing program. If you would like to learn more about FHA loan requirements and guidelines for 2015, visit FHAhandbook.com and download our e-book. It is available in PDF format at no cost whatsoever. The website also includes a Q A blog with new articles added every week.

    Disclaimer: The 2015 FHA rate forecast above is based on third-party data and estimations. This outlook does not necessarily reflect the views of the publisher. We make no claims or guarantees about future conditions within the mortgage industry or broader economy.



    Cash Advance 2015 – Reviewed and Ranked #aircraft #loans


    #online payday loan lenders
    #

    Cash Advances

    Best Cash Advances

    Cash advances provide a much-needed service to millions of people. There are many times when short-term debts outrun the ability to pay. In times like this, a cash advance (a loan against a future paycheck) can provide the cash necessary to meet those needs.

    The advantages of cash advances are many. Often they don’t require a credit check ; so the loan, and your repayment, never show up on your credit history. The best cash advances offer amounts that can range from a few hundred dollars to $1,500 (and sometimes more). And you receive your loan very quickly; usually within 24 hours .

    Drawbacks? Cash advances typically charge service fees that are greater than traditional loans. These service fees can range from $10 to $30 per $100 loaned, and sometimes even more. Many states have regulations stipulating the amount of service fees that can be charged. Obviously, the best cash advances are meant to address quick cash needs, and should not be used as a long-term solution.

    Still, in order to meet short-term obligations, cash advances can provide a fast and easy solution. When evaluating different cash advances, there are certain factors you want to consider. Some of these include:

      Loan Amount. How much money do you need? A variety of loan amounts are offered by different lenders. Service Fees. Look for companies that state their fees up front or guarantee lowest fees. Convenience. Can your application be processed entirely online, or will you need to fax in documents? How quick will the money be deposited to you?

    TopConsumerReviews.com has reviewed and ranked the best cash advances available today. We hope these reviews help you meet your short-term financial needs!

    Disclosure. We pay our reviewers for their reviews. We are not compensated by companies for their reviews, but we are compensated for links and advertisements on our website. Click here for details.



    2015 – s Best Online Payday Loan Lenders #home #loan #comparison


    #best loans
    #

    Home

    A payday loan is a short-term, unsecured loan that you receive from a business (typically a loan store), rather than a bank. It is called a payday loan because the money is generally meant to help you make it to your next payday. It is an effective way to obtain needed cash if you are unable to secure extra credit through other methods. Payday loans are also sometimes referred to as cash advances, since they are expected back when you are paid from your place of employment. Loans can be given in multiple forms such as cash, or deposited directly into the borrower s account.

    Generally, interest is applied to the loan that is expected to be paid back at the time of repayment. The interest can range greatly depending on the institution, and what part of the world the person resides in. Some payday lending institutions perform a credit check and/or employment verification. These measures are taken in order to ensure that the borrower will be able to repay the loan.

    In the traditional model of payday loans the lender expects that the borrower will repay their loan (plus interest) in full on their next payday. Payment is possible through numerous methods the borrowers account may be debited, they can provide the lender with a postdated cheque, or they can pay in cash. If they are unable to pay and the funds are not in their bank account, this will result in bounced fee which can sometimes be negotiated.

    Conveniently enough, payday loans are also available online. This process involves completing an online loan application form. In this case, the funds would be directly deposited into the borrower s account, and then electronically withdrawn on the next payday (expected repayment date).

    Payday loans are becoming increasingly popular, making it so important to know the elements that characterize a good payday loan. If you are considering taking out a payday loan here are the things to consider when you are looking for the best online payday loans.

    The internet can be a bit of a scary place. When you are looking for the best online payday loans it is important to ensure the credibility of the site you are considering borrowing from. Take a look at reviews online are borrowers generally satisfied with their loans? Is the lender a well known institution? If anyone reports having issues obtaining their money, or complains of misuse of the personal information they provided, it is probably safe to assume that looking for a different lender would be in your best interest.

    Low Interest Rate

    Check out the cost of the loan. There are many different institutions offering payday loans out there, some with better deals and interest rates than others. Why would you accept a loan for 40%, when you could have one for 20%? As well, some lenders advertise different deals and specials, particularly if you are a first time borrower example, first 100 dollar free. Take a look at what is available to ensure that you find the online payday loan that makes the most financial sense / the most reasonable rate.

    Consider whether the site is easy to use, and whether all the information you need is accessible. As well, take note of how much personal information they are requiring and if their process seems simple, or unnecessarily complicated.

    Instant / Fast Approval

    Some lenders advertise either instant or fast approval. Sometimes this can be quite beneficial if you want to obtain the money as soon as possible. If there is no lengthy approval process, this just makes everything a bit smoother.

    Customer Service

    When you are checking the reviews of the payday lender for credibility, take note if there was any mention of customer service. If there are complaints about lack of availability of people to speak in case of an issue, this might be a bit of a red flag. Plus, great customer service is hard to beat.

    As you can tell, there is a lot of information that is important to know when you considering taking out a payday loan! But once you are informed it is so much easier to assess and find the best online payday loans available and most importantly, the one that works for you!



    Best Credit Cards For Bad Credit in 2015 – The Simple Dollar #payday #loan #store


    #bad credit credit cards
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    Featured Cards

    If your credit is less than perfect, you may have trouble qualifying for new credit. Meanwhile, it can be difficult to improve your credit history if you’re not actively trying.

    Credit cards for bad credit, help you work on rebuilding your credit history and improving your credit score over time. The best credit cards for bad credit come in two different varieties: secured and unsecured. Secured cards require you to put down a cash deposit that you can borrow against, whereas unsecured cards do not. Both types of cards have certain limitations, but either can put you on the path toward an overall improvement in your credit score.

    If you can, I highly recommend getting an unsecured card, like the Credit One® Unsecured Visa® Card .

    Highlights:

    There are three main reasons why I recommend this card for people with subpar credit:

    1. Since it isn’t a secured credit card, you won’t have to put down a deposit.
    2. You have the ability to earn rewards for gas purchases many secured cards don t offer any rewards at all.
    3. After making several payments on time, you may be able to secure a credit line increase.

    Another excellent option for those trying to build their credit is the Total VISA Credit Card issued by Mid America Bank Trust Company pursuant to a license from Visa U.S.A. Inc. Mid America Bank Trust Company; Member FDIC. Although it doesn’t offer a rewards program, it does offer fast or instant approval in certain cases, which is an excellent perk for anyone needing a card that reports to the major bureaus.

    Another unsecured card for bad credit that should be at the top of anyone’s list is the Milestone® Gold MasterCard®. Not only does this card offer a quick pre-qualification process that won’t result in a hard inquiry on your credit report, but it also offers custom design options and easy online account access. Adding to the card’s value is the fact that past bankruptcies on your report are usually okay, provided you are using credit responsibly today.

    Highlights:

    Simple Rules For Getting A Card With Bad Credit

    Getting a credit card for bad credit is one of the best ways to begin repairing any credit mistakes you may have made in the past. However, there are a few “rules” that can help guide you towards the best outcome possible. Before you apply, here are some basic tips to consider:

    • Know your credit score
    • Decide if you want a card or if you really need a short term loan. If its the latter, check out the Best Bad Credit Loan options.
    • Sign up for a credit monitoring service
    • Don’t apply for the best rewards cards, travel cards, or cash back cards
    • Consider using a prepaid debit card if you find yourself falling behind

    You first need to understand your credit before you can improving it. How else would you know what improvements to make? Federal law allows you to get a free copy of your credit report every 12 months from each credit reporting agency, which enables you to ensure the information on all of your credit reports is correct and up to date. To get a copy of your free credit report from the three credit reporting agencies, visit AnnualCreditReport.com.

    Once you pour through your credit report and analyze the factors that may be negatively impacting your credit score, you can also consider using a credit monitoring service as your next step. Not only can credit monitoring services help you understand what goes into your credit report, but they can also protect you from future negative impacts from fraud or identity theft.

    In a post on the best credit monitoring services. we recommend Identity Guard as the top choice, but I ve included others for you to consider.



    FHA PMI Rates 2015; Steve Thorne Mortgage Team #small #personal #loan


    #fha loan rate
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    FHA PMI Rate Chart 2015

    FHA PMI Rates 2015 are lower than they have been for many years. This is a great move, and is possible only because the FHA PMI fund is now in positive territory, and they did not have to request additional funds from Congress. For the most part, if you are applying for a FHA Loan, your FHA PMI fees in 2015 are about .5% LESS on a monthly basis than they were in 2014!

    Note we refer to these fees as FHA PMI fees. In reality that s not what they are called by the Industry. They are normally referred to as FHA MIP fees. It s mortgage insurance. It covers the Bank in case you go into foreclosure no matter what you call it, it s the same thing.

    If you already have a FHA Loan, and you are considering a refinance you just got a bonus!

    Low Mortgage rates for a FHA Streamline No Appraisal refinance (that normally costs you ZERO) and lower monthly FHA PMI fees! Win-Win!

    Doesn t happen that often! You can also do a FHA Streamline Refinance if you no longer live in the property! Some banks don t offer this program, but we ve seen homeowners with FHA loans at 4.75% save more than $200 a month with no cost out-of-pocket!

    Obviously, mortgage interest rates changes daily (sometimes hourly) so if you are reading this in November of 2015 and rates have already gone up you should still be happy that you are getting a really good deal on the FHA PMI Rates 2015!



    Where interest rates are going in 2015 – and what it means for your loans – The Washington Post #i #need #a #loan #now


    #home loans interest rates
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    Where interest rates are going in 2015 and what it means for your loans

    (Bigstock)

    Welcome to 2015. Thanks to increased momentum in the U.S. economy, this is widely expected to be the year in which the Federal Reserve, at long last, begins to raise short-term interest rates.

    At the end of 2014 the central bank ended its bond-buying program, and it has suggested that it will begin increasing short-term interest rates as priorities shift from stimulating lending markets to preventing inflation.

    Predicting the direction of interest rates and of the bond market is pretty much impossible. Investors who have made bets in the past have been burned time and again. Take last year, when loan rates fell in some markets and bond yields fell in a sign that many investors were looking for safer assets. This happened even as the stock market reached new highs and jobs growth reached a pace not seen in more than a decade.

    “It’s very unusual that U.S. stocks and U.S. bonds would both have a very good year at the same time,” says David Lafferty, chief market strategist for Natixis.

    If the Fed does act this year, expectations are that the rate increases will be subtle, with the first increase bringing rates from near zero to about 0.25 percent, and the next up to about 0.50 percent. Any action may not come until the second half of the year.

    Still, the move could have a clear, albeit gradual, ripple effect across loan markets, increasing costs marginally for mortgages, car loans and credit card debt. Here is a look at where loan rates are projected to be by the end of the year, according to a survey from Bankrate.com. with some guidance on what — if anything — you should do to prepare.

    “The Fed is starting to lay the groundwork for the eventuality of interest rate hikes,” says Greg McBride, chief financial analyst for Bankrate.com. “It’s only prudent for consumers to prepare themselves as well.”

    Mortgage rates

    Where rates are now: 3.99 percent average for a 30-year fixed rate loan

    Projected rate for end of 2015: 4.75 percent average

    Mortgage rates defied expectations last year by moving lower  after investors became worried about lackluster economic growth and stock market volatility. Investors are feeling better about both of those fronts now, once again setting the market up to look ripe for an increase — but not a huge one. Bankrate is projecting that the benchmark 30-year fixed mortgage rate will stay below 5 percent in 2015. Worries over geopolitical risks or overreaction to announcements from the Fed could cause rates to jump as high as 4.8 percent or 4.9 percent, though perhaps only temporarily.

    Even a modest increase can increase monthly mortgage costs, depending on the size of the loan. On a $200,000 loan, a rise in mortgage rates to 4.75 percent from 4 percent could increase monthly payments by about $88, McBride estimates. On a $500,000 loan, the difference is $221 a month. But those potentially higher costs are no reason to rush into a mortgage, he says. “I don’t think you time your purchase based on interest rates any more than you time your marriage on a sale at the bridal shop,” McBride says. “Mortgage rates are not going to be a deterrent to a qualified buyer in 2015.”

    Home equity loans and lines of credit

    Where rates are now:  4.72 percent average for a HELOC; 6.03 for a home equity loan

    Projected rates for end of 2015:  5.2 percent average for a HELOC; 6.5 percent for a home equity loan

    Rates on both home equity loans and lines of credit won’t change much during first half of the year, at least not until the Fed raises short-term interest rates. The change to home equity lines of credit may be more pronounced. But increased competition between lenders could work as a counter force to help keep rate increases low. But lender competition will restrain the pace of rate increases down.

    Where rates are now:  4.12 percent average on a five-year new car loan;  5.19 percent average on a 4-year used car loan

    Projected rates for end of 2015:  4.35 percent average on a five-year new car loan;  5.40 percent average on a four-year used car loan

    Rates on new car loans have fallen faster than rates for used car loans in recent years, but both kinds of rides could get more expensive if the Fed raises interest rates during the second half of 2015. The good news is that worthy borrowers shouldn’t have any trouble, because the best financing deals are reserved for the borrowers with the best credit. A borrower with credit score of 720 and up might pay about $6,000 less in interest charges over the life of a five-year loan than someone with fair credit, or a score between 620 and 659, according to a report released last fall by Wallet Hub. Plus a modest increase in auto rates of 0.50 percentage points would only have a minor effect on monthly payments, increasing them by about $6 a month for a $25,000 loan, McBride estimates.

    Where rates are now: 15.7 percent average on a variable rate card

    Projected rate for end of 2015:  16.2 percent average

    Consumers hoping to land a credit card with a zero percent introductory rate better act fast. “The number of those will start to dwindle when rates start to jump up,” McBride says. Such cards, which don’t charge interest initially on balance transfers and credit card purchases can help consumers lower borrowing costs and pay down debt quickly. Some card issuers may continue to raise rates on card offers consumers with less-than-stellar credit scores, as they have been over the past several years. The lesson: pay down debt and apply for balance transfers before those costs rise.

    Certificates of deposit and savings rates

    Where rates are now:  0.27 percent average for a  one-year CD;  0.86 percent average for a five-year CD

    Projected rates for end of 2015:  0.5 percent average for a one-year CD; 1.25 percent average for a five-year CD

    Yields on longer-term CDs, those that mature between two and five years, will move up slowly, only picking up pace once the Fed’s rate increases are in full swing. Short-term CDs, or those that mature in less than two years, may track the Fed’s increases more quickly. But don’t rush to lock up all of your savings. Rates may come up, but they’d be doing so from historically low levels. “It’s not enough to put you ahead of inflation,” McBride says, “but it’s certainly a step in the right direction.” And don’t expect all banks to respond equally to the Fed’s decision. Some banks may raise rates more than others, and some may not raise them at all at the start, McBride says.

    Jonnelle Marte is a reporter covering personal finance. She was previously a writer for MarketWatch and the Wall Street Journal.



    Home Equity Loans 2015 – Reviewed and Ranked #long #term #loans #for #bad #credit


    #home equity loan rates
    #

    Home Equity Loans

    Best Home

    A home equity loan is a popular strategy for home owners that want to use the equity in their homes to create cash in their pockets. Home equity loans are typically used for home improvements, to pay off debt, make a large purchase, send a child to college, and much more.

    A home equity loan can mean your existing loan is refinanced or a second loan can be assumed. Determining which move makes better financial sense, refinancing or a second loan, is dependent on several factors such as your current mortgage loan terms and which banks are willing to offer you a home equity loan given your creditworthiness. Before you call your current mortgage lender to discuss a home equity loan, you should consider shopping around for the best home equity loan rates. This can mean saving several thousands of dollars in interest and mortgage payments over the life of the loan.

    The best home equity loans may be found online from mortgage companies and banks that offer the most competitive rates available in the market. A few home equity loan companies even offer a mortgage broker like service that helps customers find the best loan, with the lowest interest rates terms.

    Before jumping on the internet to search for your next home equity loan you should consider the following:

      Loan Application. What are the steps required to begin the home equity loan search? Selection. How many banks does the company work with to find you the best home equity loan rate? History. Does the home equity loan company have a solid reputation that you can feel good about?

    TopConsumerReviews.com has reviewed and ranked the best Home Equity Loan providers available today. We hope these reviews help you find the right home equity loan for your needs!

    Disclosure. We pay our reviewers for their reviews. We are not compensated by companies for their reviews, but we are compensated for links and advertisements on our website. Click here for details.



    2015 FHA Loan Limits #fha #loans #qualifications


    #fha loan limits
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    2015 FHA Loan Limits / Maximum Lending Amounts

    2015, LoanLimits.org | All rights reserved | Please see our citation guide

    Welcome to LoanLimits.org. This website is a convenient research tool for mortgage lenders, home buyers, and anyone else seeking current information on lending rules. On this page, you ll find the 2015 FHA loan limits / maximum lending amounts for all counties in the U.S. Use the links below to get started.

    Download VA Loan Limits for Calendar Year 2015 (All Counties)

    View FHA loan limits in high-cost areas

    View FHA loan limits in lower costs areas

    According to the Department of Housing and Urban Development, the maximum FHA lending amount for high-cost metropolitan areas will remain at $625,500 for calendar year 2015 (the same as the previous year). In areas with lower housing costs, the FHA limit can be as low as $271,050. See table below.



    Auto Loans 2015 – Reviewed and Ranked #car #title #loans


    #best auto loans
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    Auto Loans

    Best Auto Loans

    Finding an auto loan is no longer limited to what your current bank will offer or what the dealer brings to the table. You can take control of your next auto loan terms by shopping online for the best deal available. Several auto loan companies post the most competitive auto loan rates online to attract your business.

    In today’s economy, may people have less than perfect credit. Many companies offer car loans to those who have suffered bankruptcy, late payments or a low credit score. By researching and finding the best auto loan. you’ll potentially save hundreds to thousands of dollars each year in payments and interest over other auto loans.

    However, not all auto loan companies are the same. Before you apply for your next auto loan, consider the following important factors:

      History. Does the auto loan company have a history of pleasing the customer and using quality business practices? How do they rank at the Better Business Bureau? Focus. What type of auto loans do they offer? Are their auto loans geared for all levels of credit? Application Process. What is the process of applying for the auto loan?

    TopConsumerReviews.com has reviewed and ranked the best Auto Loans available today. We hope these reviews help you find the most affordable loan available for you!

    Disclosure. We pay our reviewers for their reviews. We are not compensated by companies for their reviews, but we are compensated for links and advertisements on our website. Click here for details.



    Best New Car Finance Deals: October 2015 #loans #ireland


    #best auto loans
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    Best New Car Finance Deals: October 2015

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    Best New Car Finance Deals: October 2015

    Financing a new car can become a bigger expense than anticipated for many people, especially if you haven’t shopped around and/or didn’t take interest rates into account when making your new car budget. We’re here to help.

    Automakers and dealers will often add incentives to their vehicles by attaching low financing rates sometimes all the way down to zero percent. We worked with our friends over at TrueCar to find finance deals that are especially good this month. If you’re in the market for one of these cars, don’t delay, as they’re soon set to expire.

    Disclaimer: The deal information is provided for illustrative purposes only, and is not an offer to lend. Results may vary depending on your individual circumstances, including credit approval. Deals are subject to change, and are limited to inventory on hand. See your dealer/manufacturer for details, including actual offers available in your region.

    2015 Chrysler 200

    The Chrysler 200 is reborn in 2015, all new from the ground up and offering a compelling blend of simple elegance, state-of-the-art technology and enhanced driving performance. A segment-first nine-speed automatic transmission and available all-wheel drive complete the transformation.The 200 sedan is offered in both front- and all-wheel drive configurations, with four trim levels: front-wheel drive LX, Limited, C and S trims, as well as all-wheel drive C and S trims only.

    2015 Ford Escape

    The Ford Escape is a mid-size sport-utility vehicle, which incorporates the latest technology and style; setting a high standard in the SUV category.The five-passenger Escape is available in S, SE, and Titanium trims, in either front or four-wheel drive. Engine choices start with the 168-hp 2.5-liter four-cylinder. Also, a 173-hp 1.6-liter EcoBoost four-cylinder engine is available. For even more power a 231-hp 2.0-liter EcoBoost four-cylinder engine is offered. All variations are paired with a six-speed select-shift automatic transmission. Impressive features offered on the Escape include a Panoramic Vista Roof, satellite radio, SYNC, MyFord Touch, a trailer towing package, heated leather seating, navigation system, auto park with cross traffic alert, Sony audio, MyKey, and an industry first hands-free power liftgate. Standard safety features include seven-airbags with drive knee airbag, passive anti-theft system, AdvanceTrac stability control with anti-rollover technology, four-wheel disc brakes, and tire pressure monitoring.

    2015 Mercedes-Benz E350

    Research the 2015 Mercedes-Benz E-Class

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    2016 Scion iA

    Finance Deal: 2.9% financing for 24 months, Exp: 8/3/15

    The all-new 2016 Scion iA is a four-door subcompact sedan.

    At 172 inches long, 67 inches wide and 58.5 inches high, the Scion iA is about the same dimensions as the Chevrolet Sonic, Kia Rio, Ford Fiesta, and Nissan Versa.It uses the same wheelbase of 101 inches as the new Mazda CX-3.Scion iA also competes with the Mazda 2 and Toyota Yaris, which have new models coming before the middle of 2016.

    The new Scion iA is powered by a 1.5-liter engine making 106 horsepower and 103 pound-feet of torque.Despite the fact that Scion is a Toyota brand, the Scion iA does not use the same 1.5-liter engine as in the Toyota Yaris.The iA engine is made by Mazda, using direct injection with a high 12:1 compression ratio.It’s tuned for fuel mileage, with an EPA rating of 31/41 mpg City/Highway with the standard 6-speed manual transmission, or 33/42 mpg with the available 6-speed automatic.



    Personal Loans 2015 – Reviewed and Ranked #standard #bank #loans


    #unsecured loan company
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    Personal Loans

    Best

    Historically, borrowers typically had a couple of options for a personal loan. You could ask a family member, or locate a personal finance company that typically offered high, fixed-rate loans.

    Today, finding a personal loan brings several more options to the table. You can still ask a family member, or get a high-rate loan from a finance company. Alternatively, you can consider using a social lending network. These networks, also called peer-to-peer loans. generally have much lower overhead and as a result can offer much lower interest rates. They’re facilitated by professional companies familiar with this type of lending, to simplify things for all parties.

    No matter where you borrow money from, before you get your next personal loan you should consider the following:

      BBB rating. Does the lending company have a solid history of doing good business with its customers? Loan size and rate. How much will the lending company offer? What interest rate do they charge their customers? Loan application process. When applying for your personal loan, can it be completed online? Is the lending process easy and straightforward?

    TopConsumerReviews.com has reviewed and ranked the best online personal loan providers available today. We hope this information helps you find the best loan at an affordable rate that meets your needs!

    Disclosure. We pay our reviewers for their reviews. We are not compensated by companies for their reviews, but we are compensated for links and advertisements on our website. Click here for details.



    Mortgage Refinance 2015 – Reviewed and Ranked #2000 #loan


    #best home loan
    #

    Mortgage Refinance

    Best Mortgage Refinance Programs

    When is it a good time to refinance your mortgage. If your existing mortgage rate is higher than the current rate for your credit score and mortgage type, you need to explore it. Would you like to lower your mortgage payment to make your house more affordable. Are you considering updates to a kitchen or a bathroom, and want to get some extra cash to afford them?

    Before you stop off at the local bank to discuss home refinancing you should consider comparing refinance options online. Just visiting your local bank won’t give you your best rate, which means you’ll pay more. Refinancing your home through an online mortgage refinance company lets you quickly find the best rate given your credit worthiness, loan size and type.

    The best refinance companies allow several banks to compete for your loan, in order to provide you the lowest mortgage payment. They save you the hassle of calling several banks and lending institutions, and completing multiple refinance applications.

    But not all online mortgage refinance brokers are the same. Before you start your search you should consider the following:

      Application process. What is the process of gathering the information needed to begin the mortgage search? Number of Lenders. How many banks and lenders does the company work with to find you the best rate? The larger the number, the more likely you’ll receive the best rate. Timeliness. Are you going to have to wait for a call to discuss all of the necessary details, or will the online application expedite the process and provide you the details you’re looking for?

    TopConsumerReviews.com has reviewed and ranked the best online mortgage refinance providers available today. We hope these reviews help you as you decide to refinance your mortgage!

    Disclosure. We pay our reviewers for their reviews. We are not compensated by companies for their reviews, but we are compensated for links and advertisements on our website. Click here for details.