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Alternatives to Small Business Loans for Women – Small Business Blog #auto #loan #refinancing


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Alternatives to Small Business Loans for Women

According to a recent study from the Small Business Administration, small business loans for women are harder to come by than those for male business owners even when controlling for factors like industry and credit score.

Many female business owners are well aware of the challenges of obtaining loans and choose to rely less on outside capital than do men. Because of the difficulties of obtaining business loans for women, female operated businesses often have less working capital and tighter budgets. Women are also more likely to utilize non-traditional forms of lending such as peer-to-peer financing or alternative business loan providers such as Kabbage .

According to the SBA, the “level of startup capital is a strong predictor of business success.” Having access to capital is essential for women to have the same opportunities as men to achieve success.

When looking at the statistics on women-owned businesses published by the Association of Women’s Business Centers. it’s clear that small business loans for women are essential to helping fuel the overall economy.

  • Women owned businesses account for more than 40% of all privately held firms
  • One in five firms with revenue of $1 million or more is woman-owned
  • 10.1 million firms are owned by women, employing more than 13 million people and generating more than $2 trillion in sales each year.

While small business loans for women may be limited, there are plenty of other ways to obtain working capital. If you’re a woman who is launching a new business or who needs funds to grow an existing business, the following strategies can help:

  1. Find Out Your Options

There are plenty of alternatives to traditional bank loans. It can often make financial sense to consider lines of credit, SBA microloans. and credit cards depending on your particular situation. Cash advances can often be a good choice if you need a quick source of funds to purchase inventory or to hire help during a busy season.

  • Build Your Business Credit
    Even with a good personal credit score, it can be hard to obtain business loans for women.  Establishing credit for your business is always a good idea even if you choose not to work with banks. Your good business credit can be beneficial for obtaining desirable terms with vendors and for getting lower interest rates on business credit cards .
  • Make Your Business Plan a Dynamic Document
    Your business plan shouldn’t be just pre-launch homework that you tuck into a desk drawer. It should be your blueprint for the growth of your business. By keeping current with your financial projections, marketing, and development efforts, you will always have the backup to show potential lenders what you’re doing now and where you’re headed in the future.
  • Look Better on Paper

    Many small business owners make the mistake of not depositing cash into their business bank accounts before paying themselves or their vendors. Making those deposits is your proof of cash flow if you want to obtain funding. Paying vendors on time and filing taxes before the deadline can help, too!

  • Finally, it’s important to not get discouraged. Small business loans for women may not be the easiest thing to obtain. But, there are plenty of successful female business owners who have never borrowed from a bank. Stay focused on your goals and be open to a variety of lending opportunities. With a little research and a good plan of action, you can get the resources you need to achieve your goals .


    Can the Special Direct Consolidation Loan Program Help You? ReadyForZero Blog #personal #loan #companies


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    Can the Special Direct Consolidation Loan Program Help You?

    14 Mar 2012 by Ben

    Update: The application period for this program has now closed (on June 30, 2012). If you re wondering how long it takes for the special consolidation loans to take effect, you should know that they are not processed immediately. First, your eligibility and loan amounts must be verified by your loan servicer(s). Only then will the consolidation loan be processed. This may take more than a few days. If you want to make a plan for paying off your student loans, use ReadyForZero. And to learn more details about the special direct consolidation loan program, continue reading below Having trouble paying your student loans? Or just wish you could simplify your loan payments and get a lower interest rate? If so, then you’ll probably be very interested in the new Special Direct Consolidation Loan  program initiated by the Obama administration. Below, we’ll describe how the program works including how you can figure out if you are eligible and whether it s worth it.

    Why Was the Special Direct Consolidation Loan Program Created?

    The purpose of the program is to give certain student loan borrowers an opportunity to combine all their student loans so that they can pay one payment each month instead of juggling multiple payments, and so they can count on a fixed interest rate.

    Who is Eligible for Special Direct Consolidation Loans?

    This part is a bit tricky. First it’s important to understand the holder of a loan is the one who owns it (the one you owe the money to), while the servicer of the loan is the one who is collecting the money from you. Often, the holder and servicer are different entities! Here s how this works in practice there are basically three types of loans:

    1. Government-held direct loans. In this case, you have borrowed money directly from the government but your loan may be serviced by a private company on behalf of the government.

    2. Commercially-held loans guaranteed by the government. These loans are made by private companies with private money, but they are guaranteed by the government through the Federal Family Education Loan  (FFEL) program. Since they are backed by the government, there is little or no risk to the private company, and that allows the borrower to get more favorable terms on the loan, including lower interest rates. [President Obama recently restructured the FFEL program so that all new loans after June 30, 2010, would be direct loans ]

    3. Private student loans. Held and serviced by private companies, with no backing from the government.

    Those are the three main categories of student loans. (If you re not sure which type you have, try using the National Student Loan Data System. which allows you to look up all government-held and government-backed loans) In order to be eligible for the Special Direct Consolidation Loan program, you must have:

    • At least one government-held direct loan. AND
    • At least one commercially-held loan guaranteed by the government (FFEL)

    If you meet those two criteria, then you are eligible for the Special Direct Consolidation Loan program. Keep reading to see how it works

    How Does the Special Direct Consolidation Loan Program work?

    Keep in mind, even though you must have a government-held direct loan to be eligible, your loan(s) held by the government will not be affected by the program. The program will allow you to consolidate your commercially-held loan(s). Here s how it works:

    • Each commercially-held loan that you consolidate will retain its original payment terms.
    • That means, if you consolidate more than one loan, each one may have different interest rates and each may have a different end-date.
    • Your interest rate on each loan will be fixed at its current rate (minus 0.25%) and will remain at that interest rate for the life of the loan.
    • You’ll never have to pay an interest rate higher than 8.25% even if you currently do.
    • Once the special consolidation is complete, you will receive one bill each month and will make one payment.

    Is There a Fee for Getting a Special Direct Consolidation Loan?

    No. Hooray for easy answers! Okay, let’s move on to the most important question

    Is a Special Direct Consolidation Loan a Good Idea?

    After all this, is this program worth it for you? That will depend upon your unique individual situation. For many people the answer will be “Yes.” Not only does the Special Consolidation Loan give you the convenience of one payment (instead of multiple payments), but another benefit is it gives you a fixed interest rate that is lower than your current one. Doing the special consolidation will not affect your credit score. And you can still make extra payments to get out of debt faster, if possible. However, as with all financial decisions, there are potential pros and cons, so you should thoroughly research how this would affect your unique individual situation and get advice from several sources before you decide to get a Special Consolidation Loan (see contact information below). We ve heard from some people who say their total monthly payment is higher after this process, although that is not an intended outcome of the program. [Update: I just talked with a customer service rep at the Department of Education, and she said she s never heard of someone s monthly payments being higher. However, sometimes while the special consolidation loan is processing, it may look like your monthly payments will be higher due to a lag in the database being updated.] One potential downside is that the loans you consolidate will lose their grace period once the special consolidation is completed. If you re counting on having a grace period, be cautious about applying for a special consolidation loan. According to this article. you might be able to apply with only your loans that have already passed their grace period and then add your other loans later (also see the discussion in the comments section of this blog post).

    Do Special Direct Consolidation Loans Work with Income-Based Repayment (IBR)?

    Yes! If you are doing Income-Based Repayment (IBR) already, you may continue to do that after getting the special consolidation loan. And any payments you made prior to the consolidation would still be counted toward your total repayment time. In other words, if you had made payments in IBR for the last 2 years, you would have  23 years remaining before your loan balance is forgiven. (Income-Based Repayment allows for loans to be forgiven after 25 years of making payments, regardless of how much remains at that time)

    How Do You Apply for a Special Direct Consolidation Loan?

    If you are eligible, the U.S. Department of Education will have one of its servicers contact you. These servicers include:

    • FedLoan Servicing (PHEAA)
    • Great Lakes Educational Loan Services, Inc.
    • Nelnet
    • Sallie Mae

    These servicers began contacting eligible borrowers on January 17, 2012, and will continue contacting them over the next few months. The window of eligibility ends June 30, 2012. If you think you are eligible and you do not hear from anyone by June, you may want to call your lender and/or the U.S. Department of Education to find out if you are in fact eligible. For questions related to this program, you can call the Department at 1-800-4-FED-AID (1-800-433-3243).

    How can I check my special direct consolidation loan application status?

    To check the status of your special consolidation loan, you can call the hotline mentioned above, or check in with your servicer to see if the application has been processed. After you submit your application, it may take some time for the servicer to verify your eligibility and the payoff amounts of your loans. Only when that is done will the old loans be paid off and the new servicing begin. In the meantime, you might continue to receive statements and/or bills from your original servicer. As always, if you have any questions, please post a comment below and we ll do our best to answer it! This article is part of our Student Loan Debt Resource Center  and Debt Consolidation Resource Center .  If you re looking for additional information about student loans or debt consolidation, be sure to pay a visit!


    USDA home loan -mortgage closing costs? USDA Home Loan Blog #cosmetic #surgery #loans


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    USDA home loan closing costs ?

    USDA home loan closing costs?  What can you expect?

    We have received many questions lately regarding USDA financing and closing costs.  Generally speaking, for a new home purchase in Florida the buyer can expect to pay 3 -6% ( of the purchase price) for closing costs and pre –paid escrow requirements.  Generally speaking in Florida, the seller will have “customary” closing costs that they are responsible for and the buyer will have the same. Again, these closing costs are “customary” and not set in stone.

    One of the great benefits of a USDA mortgage is the flexibly it allows regarding closing costs. First, the sellers is permitted to give concessions ( pay for) the buyers closing costs up to 6%. These closing costs and escrows can be negotiated into your purchase contract and paid by the seller as part of the deal.  In some cases this option may not be feasible with the seller.  When this option is not possible, there is a second option as well.

    The second option for closing costs involves including the costs, or rolling in the cost into your new loan. This option has nothing to do with the home seller.  USDA will permit any pre approved buyer to roll in their closing costs if the homes appraised value supports the increase. Your new home must appraise high enough for this option to be used.

    Example –

    Home purchase price $120,000

    Closing costs and escrows to be paid by home buyer $5,000

    Appraised value   $126,000

    In this example it would be ok to roll in all of your closing costs into the new loan, the home appraisal supports it. Your total loan amount would be $125,000 plus the 2% USDA guarantee fee.

    Now you have your USDA contract fully approved and closing costs are taken care of as well. What else can the home buyer expect to pay?  Generally you will be required to pay an escrow or earnest money deposit when you write your purchase contract.  This amount is usually around $500- $1,000 depending on the sales price.  This deposit money will be placed into a separate escrow account by the closing agent and applied. Appraisal and home inspection fees will also be paid in advance – these costs are generally $200 and $425.

    Depending on the sellers concessions you negotiate, or the appraisal value, you can often receive the advance money you paid (deposit on contract, appraisal fee, home inspection fee) back at closing!

    If you have questions about this topic or the USDA / Rural Development pre approval process, please just submit the quick Info Request Form here .

    Serving you seven days a week, USDA Mortgage Source is Florida’s leading resource for all 100% USDA / Rural Development home loans. Fort Walton Beach. High Springs.  Middleburg. Zephyrhills and everywhere in between – please visit our main web site at www.UsdaMortgageSource.com or call 904.302.6060 to learn more about the benefits of 100% USDA / Rural Development home loans here in Florida.

    Servicing the following Florida cities and counties: Apopka | Aventura | Boca Raton | Bradenton | Brandon | Cape Coral | Clearwater | Clermont |Cocoa Beach | Coconut Creek | Coral Gables | Crestview | Crystal River | Daytona Beach | DeLand | Deltona | Delray Beach | Destin | Dunedin | Englewood | Fernandina | Flagler Beach | Fort Lauderdale | Fort Myers | Fort Pierce | Fort Walton Beach | Gainesville | Green Cove Springs | Hallandale | Hobe Sound | Hollywood | Homestead | Inverness | Jacksonville | Lakeland | Lake City | Lake Mary | Live Oak | MacClenny |Melbourne | Miami | Milton | Mount Dora | Naples | Ocala | Ocoee |Ojus | Orange Park | Orlando | Ormond Beach | Palatka| Palm Bay | Panama City | Pensacola | Pompano Beach | Port Charlotte | Port St. Lucie | Punta Gorda | Santa Rosa | Sarasota | Siesta Key | Springhill | St. Augustine | St. Petersburg | Sunny Isles | Tallahassee | Tamarac | Tampa | Titusville | Venice | Vero Beach | Weeki Wachee | Wesley Chapel | West Palm Beach | Winter Garden | Winter Haven | Winter Park | Winter Springs | Zephyrhills | Florida | Fla |FL

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    How to Compare Student Loan Consolidation Rates – ReadyForZero Blog #low #interest #personal #loan


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    How to Compare Student Loan Consolidation Rates

    27 Mar 2014 by Amanda

    Are you considering consolidating your student loans? There are many reasons to do so, such as having to make fewer payments each month (before consolidating my own student loans I was writing out five different checks each month), having to keep track of fewer due dates, and locking in a lower interest rate.

    Whether or not you should consolidate your student loans is outside the scope of this article; however, if you have decided to move forward, then how are you supposed to compare consolidation rates to find the best one for you?

    Private Versus Federal Student Loan Consolidations

    With a federal consolidation, there is no shopping around for interest rates. Instead, the fixed rate is based on the weighted average of the interest rates on the loans being consolidated, rounded up to the nearest one-eighth of 1%. Federal student loans come with many perks, so you would generally not want to consolidate your federal student loans with a private lender.

    However, private student loans cannot be consolidated through the Federal Direct Loan Consolidation Program. so you have the opportunity to compare rates to find the best one.

    Get offers for lower-interest rate debt consolidation loans here on ReadyForZero!

    Check your rate using ReadyForZero’s free debt consolidation tool. People have saved thousands by consolidating higher-interest debts using a single, personal loan, this will not negatively impact your credit. Check Your Rate Now

    Comparing Private Student Loan Consolidation Rates

    Interest rates on private student loans are based on your credit score. Chances are good that your credit score has gone up since graduation if you have been making on-time payments on your loans. Here are the steps you need to take to compare interest rates:

    1. Figure Out Where You Can Compare Rates: There are two ways that you can consolidate private student loans. The first, if you are a homeowner, is through a Home Equity Line of Credit (HELOC). The second is through an education lender.

    2. Start with Your Original Lender: No matter which way you want to consolidate your student loans (through a private lender or through a HELOC), you should start with your original student loan lender. First, make sure you know the interest rates on each of your loans so that you know what to shoot for. Next, tell them you are shopping around for loan consolidation rates. Ask what their best offer is for you. You will need to make sure the rate they quote you is fixed (variable rates are available, but not advisable from a financial viewpoint), whether or not you will incur any prepayment penalties on the new loan, and if there are any fees involved.

    3. Call Around to Other Lenders: Next you will want to ask for interest rate quotes from different companies to see whether or not they can beat the rate you were quoted. Check out this list of education lenders and see if there are any you feel comfortable with.

    In order to keep everything straight and fair in your comparisons, you might want to build a simple excel spreadsheet where you record the lender name, loan interest rate of consolidation, the date of loan payoff using that lender (some consolidations will come with longer terms than others, meaning you could end up paying more interest over time), and any special terms (such as fees).

    There is a lot to consider when figuring out whether or not you want to consolidate your loans. Don’t miss out on another important step that could cost you a lot of money over time: shopping around for the best fixed interest rate package from lenders for your private student loans. Even though a deal may look good, you need to fully vet the lender with the questions above, and then compare their offer to other offers. Most importantly, continue to make regular payments on all of your student loans in the meanwhile to up your chances of getting a better interest rate.

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


    3 Ways to Reverse Student Loan Default – Student Loans and Paying for College Blog #bankruptcy #auto #loans


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    3 Ways to Reverse Student Loan Default

    When it comes to paying your federal or private student loans, pretending they don’t exist or ignoring those past due notices is not a smart idea. At the first sign of financial trouble, the best thing to do is contact your student loan servicer. If you have a federal student loan, you may be able to reduce your payments by simply changing your student loan repayment plan. or asking for forbearance or deferment of your loans. Private lenders offer fewer options, but may be willing to reduce your payments temporarily, if you contact them prior to missing a payment. It s very important to communicate with your loan servicers and show that you are attempting to repay your debt. Failing to do so can have serious consequences, including student loan default .

    If you have federal student loans, you won t be considered in default until you are 270 days late on your payments. Private student loans, on the other hand, are not so forgiving. Each lender has its own rules determining when your loan is in default, and it could be triggered as soon as you miss one payment. Once your loan has gone into default, many unpleasant things can happen. You may be required to pay your loan balance in full (immediately) or have your paycheck garnished, you could face staggering collection fees or have your tax refund seized, and you will definitely lose eligibility for any additional federal aid, including Pell Grants. You will also lose deferment and forbearance options (federal), and could have your social security or disability income seized. In addition, your defaulted loan will appear on your credit report, which may prevent you from obtaining credit cards, car or home loans, or even prevent you from renting an apartment. You could also face higher insurance bills, have difficulty opening up new bank accounts, or be denied employment based on your poor credit.

    Fortunately, you do have some options for getting your student loans back on track and out of default.

    For Federal Student Loans, You Have Three Basic Options
      Payment in Full – If you pay the total amount owed, including any accrued interest or penalty fees, this will reverse the default status of your loan. Of course, this probably isn t a viable option since you were having difficulty making the smaller payments, but it s the quickest way to get out of default. Even if you can find a way to pay off a portion of the debt, it may help because collection fees (up to 25%) will be applied to your loan balance 120 days after your loan defaults. Consolidation – This option could give you more time to repay your loan and may reduce the amount of collection fees assessed. Before you can consolidate your loan(s), you will need to make a satisfactory repayment arrangement with your loan servicer. Basically, you ll need to make three (3) consecutive payments. After you have made the payments, you must also agree to enroll in either an Income-Based. Income-Contingent. or Income-Sensitive Repayment Plan. The type of plan you select will depend on which type of federal student loan you possess. Keep in mind that if you decide to consolidate your loans you will be charged a fee of 18.5% in collection costs, which must be paid in addition to your principal loan amount and any accrued interest. Rehabilitation – Another way to get your loans out of default is to enter a loan rehabilitation program. Once you make nine (9) qualifying, on-time payments to your guarantor, you will receive a rehabilitation agreement that you must sign and return. Upon notification that your loan has been rehabilitated, it will be transferred to a new lender and servicer. The loan will then be considered in ‘good standing’ and you will continue to make monthly payments to your new servicer. This option also carries a collection fee of 18.5%, but unlike the other two options, the default entry will also be removed from your credit report. Unfortunately, this is a one-time deal, so make sure you keep up with your payments or you won t get a second chance.
    Fewer Options for Private Loans

    If you have defaulted on a private loan, you will have to contact your lender to discuss modifying your payment terms. Expect to pay any reasonable debt collection costs, as well as the outstanding balance and accrued interest fees. Keep any paperwork you receive regarding your debt, and review your rights when dealing with debt collectors. If you have difficulty communicating with your private student loan lender, you may should contact the Consumer Financial Protection Bureau (CFPB) and ask for assistance or file a complaint.


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    Blog: Obama administration pushing home loans for people with bad credit #car #loans #rates


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    Obama administration pushing home loans for people with bad credit

    In the last few years, Wall Street has once again begun to gamble recklessly in the mortgage security market. And now we find out that the administration is pushing home loans for those same marginal consumers.

    The Obama administration is engaged in a broad push to make more home loans available to people with weaker credit, an effort that officials say will help power the economic recovery but that skeptics say could open the door to the risky lending that caused the housing crash in the first place.

    President Obama’s economic advisers and outside experts say the nation’s much-celebrated housing rebound is leaving too many people behind. including young people looking to buy their first homes and individuals with credit records weakened by the recession.

    In response, administration officials say they are working to get banks to lend to a wider range of borrowers by taking advantage of taxpayer-backed programs — including those offered by the Federal Housing Administration — that insure home loans against default.

    Housing officials are urging the Justice Department to provide assurances to banks, which have become increasingly cautious, that they will not face legal or financial recriminations if they make loans to riskier borrowers who meet government standards but later default.

    Officials are also encouraging lenders to use more subjective judgment in determining whether to offer a loan and are seeking to make it easier for people who owe more than their properties are worth to refinance at today’s low interest rates. among other steps.

    Obama pledged in his State of the Union address to do more to make sure more Americans can enjoy the benefits of the housing recovery, but critics say encouraging banks to lend as broadly as the administration hopes will sow the seeds of another housing disaster and endanger taxpayer dollars.

    “If that were to come to pass, that would open the floodgates to highly excessive risk and would send us right back on the same path we were just trying to recover from,” said Ed Pinto. a resident fellow at the American Enterprise Institute and former top executive at mortgage giant Fannie Mae.

    Banks and mortgage companies are extremely leery of lending to these customers because the Dodd-Frank financial reform bill criminalized the process. If a consumer defaults on a loan, they can go to the new enforcement agency, the Consumer Financial Protection Bureau, and lodge a complaint against the lender that they were had – they didn’t understand the terms of the loan. If found guilty, the offender can go to prison for a long time. This is a decided discouragement against giving loans to people who are likely to default.

    So what’s the rush? if consumers have “weak” credit as a result of the recession, let them build it back up by living within their means and paying their bills on time. And why should the taxpayer be on the hook for someone who has demonstrated in the past that they are irresponsible?

    There are still millions of unsold housing units out there with the prospect that many of them will never be inhabited again. Some neighborhoods in Florida and Nevada still look like ghost towns. This is hardly the time to be pushing marginal credit risks into taking tens of thousands of dollars in new debt.

    The definition of crazy is doing the same thing over and over while getting the same result. During the early 2000’s, the government – and Wall Street – urged banks and mortgage companies to lower their standards and give creative loans to people with bad or marginal credit. The result? An epic meltdown that we are strill trying to recover from today.

    In the last few years, Wall Street has once again begun to gamble recklessly in the mortgage security market. And now we find out that the administration is pushing home loans for those same marginal consumers.

    The Obama administration is engaged in a broad push to make more home loans available to people with weaker credit, an effort that officials say will help power the economic recovery but that skeptics say could open the door to the risky lending that caused the housing crash in the first place.

    President Obama’s economic advisers and outside experts say the nation’s much-celebrated housing rebound is leaving too many people behind. including young people looking to buy their first homes and individuals with credit records weakened by the recession.

    In response, administration officials say they are working to get banks to lend to a wider range of borrowers by taking advantage of taxpayer-backed programs — including those offered by the Federal Housing Administration — that insure home loans against default.

    Housing officials are urging the Justice Department to provide assurances to banks, which have become increasingly cautious, that they will not face legal or financial recriminations if they make loans to riskier borrowers who meet government standards but later default.

    Officials are also encouraging lenders to use more subjective judgment in determining whether to offer a loan and are seeking to make it easier for people who owe more than their properties are worth to refinance at today’s low interest rates. among other steps.

    Obama pledged in his State of the Union address to do more to make sure more Americans can enjoy the benefits of the housing recovery, but critics say encouraging banks to lend as broadly as the administration hopes will sow the seeds of another housing disaster and endanger taxpayer dollars.

    “If that were to come to pass, that would open the floodgates to highly excessive risk and would send us right back on the same path we were just trying to recover from,” said Ed Pinto. a resident fellow at the American Enterprise Institute and former top executive at mortgage giant Fannie Mae.

    Banks and mortgage companies are extremely leery of lending to these customers because the Dodd-Frank financial reform bill criminalized the process. If a consumer defaults on a loan, they can go to the new enforcement agency, the Consumer Financial Protection Bureau, and lodge a complaint against the lender that they were had – they didn’t understand the terms of the loan. If found guilty, the offender can go to prison for a long time. This is a decided discouragement against giving loans to people who are likely to default.

    So what’s the rush? if consumers have “weak” credit as a result of the recession, let them build it back up by living within their means and paying their bills on time. And why should the taxpayer be on the hook for someone who has demonstrated in the past that they are irresponsible?

    There are still millions of unsold housing units out there with the prospect that many of them will never be inhabited again. Some neighborhoods in Florida and Nevada still look like ghost towns. This is hardly the time to be pushing marginal credit risks into taking tens of thousands of dollars in new debt.


    Rheumatoid Arthritis Diet and Natural Treatment #paddison #program, #rheumatoid #arthritis #diet, #rheumatoid #arthritis #cure, #rheumatoid #arthritis #natural #remedies, #ra #treatment, #paddison #program #for #rheumatoid #arthritis, #clint #paddison #arthritis, #rheumatoid #arthritis #diagnosis, #rheumatoid #arthritis #blog, #rheumatoid #arthritis #remedy, #rheumatoid #arthritis #treatments, #rheumatoid #arthritis #relief, #rheumatoid #arthritis #natural #healing, #paddison #program


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    • As RA sufferers we are told by the medical community that there is no Rheumatoid Arthritis Cure and that we are destined for a lifetime of medication and pain-management. Needless to say that with this prediction it is very easy to lose hope. Especially as your condition worsens with time or the latest medications fail or create strong side-effects. The truth is, RA symptoms can be dramatically eliminated using 100% natural strategies which address the underlying cause. Below I will share with you the path that I followed so that you can do the same.
    • Supplements such as Fish oil tablets or Glycosamine Sulfate for joint pain are never going to reverse Rheumatoid Arthritis Symptoms. In fact, these can often be a distraction from applying the necessary efforts to do what really works. We’ll explore what type of approach REALLY works in just a moment.
    • Rheumatoid Arthritis Symptoms are primarily caused by food sensitivities. The challenge for me was ‘How do I eat in a way that does not trigger my food sensitivities?’ I’ll tell you the exact type of approach that worked for me and is now giving others incredible results worldwide.
    • You DON’T need to waste your money on expensive alternative therapies. Although these may help to reduce symptoms temporarily, the only way to cure Rheumatoid Arthritis is to eliminate the root cause which stems from undigested food particles getting into your blood stream. Eliminate these particles and eliminate the autoimmune attack on your own synovial tissue.
    • Experimenting with nightshade vegetables and/or grandma’s home recipes for arthritis like ginger tea or honey and lemon are going to get you nowhere. RA is a chronic, debilitating disease and it took me years (and a lot of lost cartilage!) before I uncovered the solution that I have used to help people now in 49 countries worldwide.

    If you’re looking for dramatic Rheumatoid Arthritis relief then you need to begin by restoring the health of your gut. I’m a living example of what can be done by applying natural techniques to achieve dramatic elimination of Rheumatoid Arthritis symptoms. I’ve compiled my Rheumatoid Arthritis research into the ultimate and comprehensive downloadable guide called the Paddison Program for Rheumatoid Arthritis. Remember, this will not only treat the symptoms that you feel and see on the outside such as:

    Swollen and Inflamed Joints

    Joints that are red, swollen and warm to touch

    Stiffness and ‘Locking Up’ of Joints

    A lack of mobility such as unable to straighten elbows or close a fist

    Lack of Energy And Strength

    Weakened ligaments and tendons around joints that are caught up in the inflammation process

    Chronic Fatigue

    A complete lack of energy, motivation and zest for life

    But it also treats the underlying cause of Rheumatoid Arthritis – the part you DON’T see – the actual immune system cross-wire that causes your body to aggressively attack your joint linings that results in severe inflammation and rapid joint degradation.

    More Customer Feedback

    Paul L. June 2013: “At age of 8 I was diagnosed with JRA. Now at the age of 49 I have been experiencing more symptoms of Arthiritis. My left knee has very little meniscus tissue left and I walk with a cronic limp. I was living on naproxen and trying any supplement I could to find relief. No help, until now. For the last six weeks I have implemented the Paddinson Program. I have not taken a naproxen or any supplements since the start. My limp is gone. I have lost 17 pounds and feel great. My blood pressure which normaly is around 130/78 is now 112/71. I cannot tell you thanks enough for the help that you have given me. I feel like I can do anything. You have forever earned yourself a friend and my praise. Thank you for sharing this life changing Program with us. July 2013: Although changing ones lifestyle is never easy. To rid myself of joint pain is so worth it. I walk with a constant limp from left knee pain and surgery. The limp and pain are gone. As for my general health, I feel better, have lost 22 unwanted pounds, my blood pressure is down and my cholesteral is down in normal range.” Angelo Morgillo. Australia When i started your program my CRP count was 38, after 1 month it went down to 11. Eventually i went for a blood test last week just to see where i was at even though i knew i was misbehaving with my diet, Drum roll. unbelievably as of last week it is 5.6, i was stunned! Psoriasis is under control and would be gone by now if i was disciplined enough, my toe nails have grown back the heady fog negative thoughts emotions are nonexistent, maybe the euphoria of being pain free who knows but it’s real i feel great! That’s it, a big thanks mate, i don’t know how you researched what you did but I’m grateful you did, i’m glad to say the journey has been the best thing i’ve done for myself family over the past 6 years i’ve learnt a ton about nutrition what we have actually been doing to ourselves in ignorance. Feel free to contact me for further info Clint, would love to have a chat with you about how to help others, I’m free anytime day or night.

    You Can Get Back Your Life, Confidence and Self Esteem

    With The Paddison Program for Rheumatoid ArthritisTM, you’ll discover my extremely powerful healing system that got me from debilitating pain into freedom from this horrific disease. For only 49, you can download the entire guide right away to your computer.

    • The real cause of RA and how to address it immediately
    • How to reduce your pain in a matter of days without expensive supplements or drugs
    • A 12-day detailed dietary program to dramatically reduce pain and heal your body internally
    • Which drugs for RA actually make your disease WORSE
    • How to step-by-step get off your medication whilst working with your Rheumatologist
    • How to create a complete wellness approach to life and
    • Unusual exercises for pain relief and joint healing

    Will I Get Instant Access To This Program?

    Yes, you will be able to get started immediately. There are PDF downloadable files that will work on your PC, Mac, Kindle or Tablet along with videos that can be viewed with an internet connection. The main ebook is a long document (132 pages) so we recommend reading on your viewing device and then printing just the parts that you need to follow along during the first 12 days.

    I have had RA for 20 or more years – will this work for me?

    Yes. Some of the most remarkable results that this program has achieved has been with people who have had RA for decades. The program works on the inflammatory component, however cannot change permanent structural damage.

    Will This Enable Me To Get Off All Medications?

    May people are able to reduce their medications and some are able to come off medications completely. The process behind doing this safely, in conjunction with your Rheumatologist, is described step-by-step inside the program. Check with your doctor, but it s normally not necessary to adjust medications whatsoever before commencing.

    Will I Be Able To Do This Program In A Non-Western Country?

    Part of this program involves dietary changes. Since we have had customers now in 49 countries, we have learnt how to provide alternative food options for people who live in countries like India, Pakistan and many more. So you do not need to worry, food alternatives are provided for all of the main sections so you can find local, fresh produce near you.


    Alternatives to Small Business Loans for Women – Small Business Blog #credit #consolidation


    #small business loans for women
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    Alternatives to Small Business Loans for Women

    According to a recent study from the Small Business Administration, small business loans for women are harder to come by than those for male business owners even when controlling for factors like industry and credit score.

    Many female business owners are well aware of the challenges of obtaining loans and choose to rely less on outside capital than do men. Because of the difficulties of obtaining business loans for women, female operated businesses often have less working capital and tighter budgets. Women are also more likely to utilize non-traditional forms of lending such as peer-to-peer financing or alternative business loan providers such as Kabbage .

    According to the SBA, the “level of startup capital is a strong predictor of business success.” Having access to capital is essential for women to have the same opportunities as men to achieve success.

    When looking at the statistics on women-owned businesses published by the Association of Women’s Business Centers. it’s clear that small business loans for women are essential to helping fuel the overall economy.

    • Women owned businesses account for more than 40% of all privately held firms
    • One in five firms with revenue of $1 million or more is woman-owned
    • 10.1 million firms are owned by women, employing more than 13 million people and generating more than $2 trillion in sales each year.

    While small business loans for women may be limited, there are plenty of other ways to obtain working capital. If you’re a woman who is launching a new business or who needs funds to grow an existing business, the following strategies can help:

    1. Find Out Your Options

    There are plenty of alternatives to traditional bank loans. It can often make financial sense to consider lines of credit, SBA microloans. and credit cards depending on your particular situation. Cash advances can often be a good choice if you need a quick source of funds to purchase inventory or to hire help during a busy season.

  • Build Your Business Credit
    Even with a good personal credit score, it can be hard to obtain business loans for women.  Establishing credit for your business is always a good idea even if you choose not to work with banks. Your good business credit can be beneficial for obtaining desirable terms with vendors and for getting lower interest rates on business credit cards .
  • Make Your Business Plan a Dynamic Document
    Your business plan shouldn’t be just pre-launch homework that you tuck into a desk drawer. It should be your blueprint for the growth of your business. By keeping current with your financial projections, marketing, and development efforts, you will always have the backup to show potential lenders what you’re doing now and where you’re headed in the future.
  • Look Better on Paper

    Many small business owners make the mistake of not depositing cash into their business bank accounts before paying themselves or their vendors. Making those deposits is your proof of cash flow if you want to obtain funding. Paying vendors on time and filing taxes before the deadline can help, too!

  • Finally, it’s important to not get discouraged. Small business loans for women may not be the easiest thing to obtain. But, there are plenty of successful female business owners who have never borrowed from a bank. Stay focused on your goals and be open to a variety of lending opportunities. With a little research and a good plan of action, you can get the resources you need to achieve your goals .


    Free HTML Mortgage Calculator for Realtors: WordPress Blog Plugins – Add-In Apps #manufactured #home #loans


    #free mortgage calculator
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    Free Real Estate Calculators for Webmasters

    Many FREE Options to Choose From

    We offer a variety of advertisement-free mortgage calculation tools for real estate professionals. Please select among the following options:

    • Full-sized wide calculator – great for if you want to feature a full sized calculator in the body content area of your website & create a page specifically devoted to featuring it.
    • Narrow sidebar calculator – still offers all the functionality of the full sized calculator, but in a condensed narrow format, so it can fit in the sidebar of a WordPress blog using their built-in custom widget app feature.
    • Basic narrow calculator – similar to the above apps, however this application aims to be a simple fast estimation tool that uses minimal space. This basic calculator is tiny. To achieve that small size, it excludes things like: closing costs, PMI homeowner’s insurance. This app works great on sites that get significant mobile traffic for people who want a quick at-a-glance estimate.
    • HTML link – while all these calculators are easy to install, we off this option for those who prefer to link to our site rather than add a calculator to their site.

    Here’s Your Embed Code

    Example Calculator Layout

    What Your Link Will Look Like

    What You Get.

    Great Features Flexibility

    All of these calculators are ad-free keep your visitors on your site to continue the real estate buying process.

    In addition to being ad free, these calculators take advantage of Javascript / Jquery capabilities such that the results change on the fly without even needing to click the calculate button changing between payment scenarios is lightning quick. Put these calculators on your MLS listing pages and homebuyers can calculate their monthly house payments quickly while looking at the property. Agents can take advantage of the mobile friendly design to estimate payments with home buyers on their cell phones without having to install any bulky apps.

    Further, the larger calculators include a button in them which allows users to quickly view print their loan amortization schedules all without leaving your website.

    Works Across Any CMS Programming Language

    The calculators install as an HTML inline frame (or iframe), so they will work with sites that use any sort of CMS (WordPress, Joomla, Drupal, Blogger, Typepad, MovableType, ExpressionEngine, custom CMS tools smarty templating, etc.) sites programmed in any web language (eg: PHP, ASP, ASPX, Coldfusion, Ruby on Rails, Python, etc.). The embed code includes set width and height settings that are easily adjustible if you want to modify the look and feel.

    WordPress

    You can insert our calculator into your sidebar or footer by using the built in widget feature. One of the default widgets is Text, allowing you to paste in arbitrary HTML code like our above calculator options. Select your sidebar or footer area, select the text widget option drop it into that menu, drop our above code into that widget, then click save.

    The other option would be to embed it within an HTML page to make a page focsed specifically on offering the calculator. If you embed our calculator inside of a WordPress post or page, make sure to do either of the following:

    • when editing the page or post click on the text option (rather than the visual option) so you can paste HTML into it
    • disable the WordPress rich text editor

    (checkbox setting at yoursite.com/wp-admin/profile.php then hit save)

    Real Estate Agent Broker Friendly

    Some widely known real estate listing aggregation sites like Zillow and Trulia offer free widgets which then link into sites which then outrank REALTORSВ® in search engines like Google, Bing, and Yahoo! Search on local search queries :

    As an independent real estate agent, you most likely work in a relatively small area, whether it’s the little town you live in, or the San Antonio metro area, which is small relative to the country. But sites like Zillow and Trulia are accessible to anyone anywhere in the country, including those people who may be moving to your local area.

    By including a backlink to its own listings in your city, Zillow is basically horning in on your local search action. And it’s not just the link itself, but the text that is linked, which is called anchor text. When this text is optimized, it helps to target specific searches. In this backlink, the optimized anchor text is: “Homes for sale in San Antonio,” meaning it’s meant to target people searching for that specific item with those specific words.

    Our site’s content is strictly focused on home financing related topics we do not compete against local real estate agents by publishing geo-focused real estate listings.

    International Friendly

    While the full-page extended calculators include United States (US) based defaults on PMI, taxes closing costs, the basic calculator was designed to be friendly to all international markets. It does not contain any specific currency units or region-specific features, such that you don’t have to worry about US-specific charges in Canada or a Dollar symbol in the UK.

    You’re in Great Company

    Many REALTORSВ®, real estate brokers home builders leverage our calculators to add functionality to their websites, helping them sell more homes.