Credit News

How to Obtain a Dental Loan to Get Your Teeth Fixed #provident #loan

#dental loans

How to Obtain a Dental Loan to Get Your Teeth Fixed

Dental loans can help you pay for unexpected costs due to an emergency or bridge the gap between the cost of a procedure and the amount your insurance company will pay. Dental loans do not require collateral, but you must meet the same credit and income guidelines as any other type of loan. There are lenders that specialize in dental loans as well as banks and credit unions that offer loans for medical services.

Other People Are Reading

Collect proof of your income such as pay stubs, bank statements and tax forms for self-employed applicants. Gather bills and statements for your current debts.

Contact the bank at which you have your checking or savings account and ask if it offers health care loans. You will often receive a better interest rate and more favorable loan terms from a bank with which you have an established relationship. Contact a specialty lender such as if you do not have a bank account or if your bank does not offer these types of loans.

Request information on how to apply. Many lenders have online applications and most will let you apply over the phone or print an application from the website and mail it in. A few small banks and credit unions may require an in-person application. However, the process is the same for any dental loan application.

Provide your basic personal information. This includes your full name, address, previous addresses within the last two years, date of birth and Social Security number.

Enter your income and current debts. Include credit cards, student loans, alimony and child support payments. Use the financial documents you compiled to ensure the figures you provide are accurate.

Provide information about the dental office that is preforming the procedure. Include the name of the practice, the dentist’s name, the address and the phone number.

Enter a brief description of the procedure for which you are seeking a loan. You do not have to provide a reason.

Submit the application along with your income verification documents. The lender will evaluate the application and paperwork you provided and run a credit check. Most lenders will contact you with a decision within five to seven business days. If you are approved the lender will explain how it will disburse the funds. If your application is denied, you may be able to reapply with a credit-worthy cosigner.

Variable vs Fixed Rate Student Loans – Which Should You Choose? #home #loan #interest #rates

#interest rates on student loans

Variable vs Fixed Rate Student Loans

8/11/2014 by Shawn Lindstrom in Student Loans Comments Off on Variable vs Fixed Rate Student Loans

Understanding the basic concept of variable vs. fixed rate student loans if fairly simple.  A variable interest rate will change periodically over the term of the loan whereas a fixed rate will not.  The questions many borrowers face is, which is better?  Answering that question is more difficult than you might think at first.  Let s take look at the pros and cons of each, so you can make an informed decision about which type to choose for your student loans.

Federal Student Loans

To get started, let s talk briefly about federal student loans.  All federal student loans have fixed rates.  The rate is set prior to July 1st of each academic year and applies to loans made between July 1st and June 30th.  If you attend college for four years, for example, you may borrow four times during each of those academic periods.  Your rate on each of those four loans will vary, but will not change over the repayment term.  Essentially, you could wind up with four loans with different fixed rates, but for each of those loans, their interest rates won t change over the course of repayment.  When you enter repayment, you can also decide whether or not consolidating those loans in to a single loan with a fixed rate makes sense.  Your fixed rate on a federal consolidation loan is the weighted average of the rate on the loans to be combined.  Don t be scared off by the term weighted average.  It just means that the rate on your higher balance loans will count more toward determining the average.  To learn more about federal student loans, and the current fixed rates, see: Federal Student Loans.

Private Student Loans

Now that we have federal loans out of the way, let s discuss private student loans.  Most lenders today are offering both variable and fixed rate student loans.  The LoanFinder (our tool that helps you compare student loans ) only includes variable interest rate programs.  We do this because it s a bit less confusing for borrowers when they are first evaluating their options.  However, depending on your particular situation and comfort with risk, a fixed rate option  can make sense.

When comparing one program s variable rate to its fixed rate, the first thing you ll notice is that the fixed rate is always higher.  Since student loans are repaid over a relatively long period of time, lenders set rates such that if they do increase in the future, they aren t losing out on the margin they could earn had the loan been variable.  In essence, when you choose a variable rate, you are betting that interests rates won t rise substantially during the repayment term.  If you choose a fixed rate, you are betting that rates will increase.

So, how do you know if interest rates will increase?  The truth is, you can t know.  You can, however, weigh the relative odds that a variable rate loan will increase simply by looking at the trend of the rate instrument that underlies your loan s interest rate.  For example, we can look at a relatively long history for the Prime Rate or for the 3- or 1-Month LIBOR rates.  These are what we d call base rates.  When you look at a lender s repayment examples or disclosures, they will tell you that the rate is based on, for example, the 1-Month LIBOR plus a margin that can range from X Y depending on how qualified a borrower you are.  Let s take a look at a common base rate like 1-Month LIBOR and see where it has been and where it seems  to be going:

Data courtesy of

As you can see, in the case of 1-Month LIBOR, rates have been falling for the most part subsequent to the financial and credit crisis of 2008.  However, if you look closely, you ll see that they are once again beginning to rise.  The trick here is that a lot have changed in the short course of the past five years.  When thinking about the repayment term of a private student loan, it may be 5, 10 or even 15 years in length.  The point is that no one can predict the future and the best quote I ve ever heard about interest rates while they have been historically low is that they have nowhere to go but up.

Private Student Loan Fixed Rates #investment #loans

#consolidation loan rates

Private Student Loan Consolidation Fixed Rate

Consolidation can be defined as combining multiple loan payments into one single payoff plan. Many students are now taking more than one loan to cover the rising education costs. By consolidating loans, students can manage their repayment schedule better and avoid the hassle of keeping track of numerous payments. Many federal and private banking institutions provide customized consolidation programs to students in need. However, it is important to know that federal and private loans cannot be consolidated into one loan together.


Private student loans differ from federal student loans when it comes to interest rates and repayment plans. Therefore, students cannot opt for federal consolidation programs for their private loans. There are a number of private consolidation companies that have geared their services towards this area and aim at making loan repayment more affordable and convenient.

Popular financial services institutions like Sallie Mae and Wells Fargo also offer consolidation plans to students. Notably, these companies have developed effective payment plans that also take interest rates into account. A private student loan consolidation fixed rate is one of the main advantages offered through these firms. To apply for consolidation options, students must fulfill the eligibility criteria, which usually require students to hold more than one private loan, U.S. citizenship and an acceptable credit score.

Why Opt for Consolidation?

There are numerous advantages of consolidation, such as the option of private student loan consolidation fixed interest rate. This means no matter how variable or high the interest rate is on a loan, it can be minimized and ‘fixed’ to help lower the overall loan payment. Other key advantages of consolidation are that you no longer have to worry about calculating loan payments for each of your loans. With consolidation, all of your payments are combined into a single plan. The interest rate on each loan is combined and averaged to formulate a single fixed rate. As a result, consolidation is a great way to simplify your finances by avoiding default on your loan payments.

Installment Loans with Fixed Loan Terms #mortgage #interest #rates

#installment loans

Installment Loans with Fixed Loan Terms

Fixed rates. Fixed terms. Us. Things you can just depend on.

When it comes to loans, we take out the worry whenever we can. That’s especially true for installment loans. With a fixed rate, you’ll never worry about your interest going up. It’s the best option for you if you’re purchasing a big-ticket item like a car or home and plan to make monthly payments to pay it off. We allow for flexible payment options by extending terms up to 48 months in amounts up to $15,000 and we’ll help you decide what would work best for you.

What it’s all about.

Installment loans are characterized by:

A fixed loan term: The length of your loan in months. The longer the loan, the smaller the payments. You can use this to build your credit.

A fixed payment: The amount you pay each month. In a long-term loan, this goes toward paying down your interest first, then toward your principal.

With Sterling Finance Company® by your side, you can make the right choice for your needs.

Home Equity Loans: Apply for a Fixed Rate Home Equity Loan #money #loans

#home equity loan rates

Home Equity Loans

Find a home equity loan with attractive rates and flexible terms

Do you have questions about home equity loans or the application process? Do you want to know more about what you’ll need to apply, or are you curious about the amount you may receive from a home equity loan? The following resources can help you learn more about home equity loans and lines of credit.

  • FAQs: For questions about home equity loans, the application process or the differences between home equity loans and HELOCs, visit our FAQ page .
  • Guides and Resources: Do you know what you’ll need to apply for a home equity loan? Do you need to know more about banking terms like debt-to-income or loan-to-value ratio? If so, visit our Resources page .
  • Calculators and Tools: If you would like to calculate what your monthly loan payment might be or would like to see if a home equity loan is the right way to consolidate your debt, visit our Calculators and Tools page .

If you’re ready to apply for a home equity loan or have further questions about home equity loans and lines of credit, contact a Citizens Bank Home Loan Advisor today.

Bring your questions about fixed home equity loans to a Citizens Bank Home Loan Advisor

Ready to apply for a home equity loan or still trying to decide which loan option is right for you? A Citizens Bank Home Loan Advisor can help you find the best fixed home equity loan option for your situation. Start the home equity loan application process today by answering a few questions online and we’ll contact you to discuss questions you may have and help you complete an application.

Fixed Rate Commercial Mortgage Loans #small #loans

#commercial loan rates

Benefits Of Fixed Rate Commercial Mortgage Lending

Long term commercial fixed rate financing is still available.  These loans are structured with fixed rates from 5, 10 and even 30 years.  On our popular 30 year fixed loan, the rate and amortization schedule is the same, ie 30 year fixed, with a 30 year amortization schedule, similar to a residential loan.  Actual interest rates and fees are also competitive.

Fixed rate commercial mortgage makes budgeting and planning easier for your business.

Fixed rate commercial mortgage products are mortgages that have a fixed interest rate and payment for the full term of the loan. These loans make it easier to budget, especially over the long term, and offer stability across an ever-fluctuating market.

It is vital for businesses to know their exact costs each year, and the mortgage rates can be fluctuating on a yearly basis, so a business could easily end up paying higher interest within a few years on their loans.

Typical properties include: Multi-family, Apartments, Anchored, Unanchored Retail, Hotels, Motels, Offices Buildings, Light-Industrial, Self-storage and more.

Term: Typically 5 to 30 year maturities.

Rate: Interest rates set at spreads usually ranging from 150 to 275 basis points over corresponding Treasuries, depending on property type and underwriting criteria.

Loan to Value: Subject to underwriting criteria, generally up to 90% LTV.

Additional features such as: Prepayment, assumption, liability and amortization will be thoroughly explained once you’ve contacted a lending representative from your free matched list of funding sources.

Mortgage Lending – Good Credit – Bad Credit – Best Fixed Rates – ARM – Foreclosure Solutions #fixed #mortgage #loan


Mortgage products vary in nature. Every mortgage loan comes with different terms, varying fees and changing risk levels. Products you may encounter include:

Adjustable Rate Mortgages (ARM). Adjustable rate mortgages offer lower interest rates to start, but the interest rate is tied directly to the federal rate and your monthly loan payment. If the rate climbs, so will your monthly payment. If it drops, your mortgage payment decreases. ARMs can be risky because your mortgage payment can suddenly skyrocket.

Bailout/Foreclosure Mortgages. If you have not paid your mortgage in three months (120 days), you probably have bad. that likely needs to be repaired with services like these. you have the option of avoiding foreclosure by applying for a bailout/foreclosure mortgage. This mortgage helps you get back on track, but often the interest rates are higher. To qualify for a bailout mortgage, you must have at least 25 percent equity built up in your home and a credit score of over 500.

Construction Mortgages. When you are building a home, money becomes due at certain times rather than in one lump sum when you purchase a new home. Often with construction loans, you are required to make interest-only payments while your home is being built. This can be stressful on those paying for their current home or apartment.

FHA/VA Mortgages: the federal government administers FHA/VA mortgages. FHA (Federal Housing Administration) and VA (Veteran s Affairs) make it easier for veterans, low-income people and those with disabilities to get mortgages they can afford.

Fixed Rate Mortgages: Fixed rate mortgages are the most common mortgage. The terms are generally 15 or 30 years and require you to make a payment that covers the interest and a portion of the principal in one shot. Your interest rate correlates to your credit score at the time you are approved for the mortgage.

Interest Only Mortgages: This newer mortgage requires you to only pay the interest with your monthly payment. If you have extra money to spare, you can send it as payment to increase equity. Rates on interest-only mortgages are adjustable, so the payment can rise or decline rapidly.

Jumbo Mortgages. Jumbo mortgages are loans in which the amount you are borrowing is considered excessively high by the federal government. In 2008, the loan amount considered jumbo is valued at $417,000 or higher.

Low Down Payment Loans. With low down payment loans, you put little money down. Private insurance is required in any home purchase where 20% down is not made.

No Doc Loans. Perfect for self-employed, No-Doc loans require no documentation to prove income and employment. Rates will be higher.

Rehab Mortgages. Rehab mortgages are used to fix up a home that is in dire need of repair.

Refinance/Equity Loans. Refinance loans are used when you want to use equity in your home to help pay expenses like credit card debt or home repairs.

Self-Employment Mortgages. Self-employment mortgages are offered to those who are self-employed and may have a hard time proving a steady monthly income.

Home Page #reverse #mortgages, #hecm, #hecm #home #equity #conversion #mortgage, #hud #insured #reverse #mortgage, #fha #insured #reverse #mortgage, #facts, #questions, #reverse #mortgage #information #georgia #tennessee, #testimonials, #medicaid, #no #monthly #payments, #interest #rates, #lump #sum, #fixed #rate, #adjustable #rate, #based #in #decatur #ga, #metro #atlanta, #macon, #consultants, #loan #officers, #how #does #a #reverse #mortgage #work?, #contact #us, #jack #wilkes #reverse #mortgage, #michael #julian #bond, #reverse #mortgage #counseling, #no #obligation #no #cost #free #information, #62 #and #older, #primary #residence, #home #equity


Reverse the Future

What is a Reverse Mortgage?

A Reverse Mortgage is a type of home loan that lets you convert a portion of the equity in your home without having to sell the home, give up title or take on a new monthly mortgage payment. It is also known as a HECM. The money you receive can be used for any purpose you choose. The program has been around for 27 years and is insured by the Federal Housing Administration.

Based on the final totals in the 2015 calendar year, 945,287 Senior Citizens have benefited from the FHA insured Reverse Mortgage since the program began in 1989. Although the program has been in existence for twenty seven ears, almost one third of the loans been done in just the past five years. That total is 293,058 Reverse Mortgages. These numbers show how popular the program has become for many senior citizens in the recent past.

To learn more about how Reverse Mortgages work, please click here .

Reverse Mortgages Resources

The Seniors Home Reverse Mortgage Blog

There are many reasons to celebrate our modern day healthcare. We are living longer our quality of life is better today than at anytime in the history of the world. Doctors are performing medical procedures today that didn t exist only a decade ago! New prescription medicine is saving hundreds of thousands of lives today in the United States. On average Americans can expect to live well in to their 80s. This is a great time to be alive!

There is a downside to this wonderful news.

Latest News

Personal Loans & Lines of Credit, First National Bank #first #national #bank #loan, #first #national #bank #line #of #credit, #personal #loan, #loan #or #line, #lending, #personal #line #of #credit, #fixed #rate, #debt #consolidation #loan


Personal Loans & Lines of Credit

If you need access to some extra cash – whether for a major purchase, a well-deserved vacation or just in preparation for something unexpected – a personal loan or line of credit from First National Bank may be right for you. With a variety of credit terms and repayment options, we can structure your loan or line of credit to suit your situation and needs.

  • Option of personal loan or line of credit
  • Fixed rate and terms available
  • Variety of repayment options

First National Bank is an equal opportunity employer-disability/veteran

Copyright First National Bank of Omaha. All Rights Reserved.
1620 Dodge Street, Omaha, Nebraska 68197

The Mulsanne Partnership #executive #search, #financial #services, #ibd, #investment #banking,equities, #interest #rates, #credit, #fixed #income, #emerging #markets #


Adam is a founding partner and runs our Investment Banking practice. He leads searches in corporate finance on a pan-European basis and also in Latin America. He has worked in headhunting since 2000 and led major talent acquisition programmes across all major asset classes and functions within the banks.

Prior to Mulsanne, Adam worked at two boutique search firms where he grew EMEA businesses focused on placing strategic senior and mid-level hires across debt products.

Anthony is a founding partner and runs our Technology practice. Anthony has 15 years experience within financial services, specialising in fixed income sales, where he has helped core banking relations build their fixed income platforms across EMEA; he is currently running and building our UK technology/finance technology business and works with a number of UK and international clients.

Terms Conditions

Welcome to our website. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy governthe Mulsanne Partnership s relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website.

The term Mulsanne Partnership or us or we refers to the owner of the website whose registered office is New Bridge Street House, 30-34 New Bridge Street, London, EC4V 6BJ. Our company registration number is 05952848, registered in England and Wales. The term you refers to the user or viewer of our website.

The use of this website is subject to the following terms of use:

  • The content of the pages of this website is for your general information and use only. It is subject to change without notice.
  • This website uses cookies to monitor browsing preferences.
  • Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
  • Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
  • This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
  • All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.
  • Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
  • From time to time, this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
  • Your use of this website and any dispute arising out of such use of the website is subject to the laws of England, Northern Ireland, Scotland and Wales.

This website and its content is copyright of the Mulsanne Partnership – The Mulsanne Partnership 2011. All rights reserved.

Any redistribution or reproduction of part or all of the contents in any form is prohibited other than the following:

You may print or download to a local hard disk extracts for your personal and non-commercial use only.

You may copy the content to individual third parties for their personal use, but only if you acknowledge the website as the source of the material.

You may not, except with our express written permission, distribute or commercially exploit the content. Nor may you transmit it or store it in any other website or other form of electronic retrieval system.

Cookies Privacy Policy

This Cookies Privacy Policy sets out how the Mulsanne Partnership uses and protects any information that you give us when you use this website.

The Mulsanne Partnership is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, you can be assured that it will only be used in accordance with this privacy statement.

What are cookies: A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets your browser know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

How we use cookies: Mulsanne s website uses cookies for Google Maps, Google Analytics and ShareThis:

Google Analytics (__utmz, __utmc, __utmb, __utma): These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site for you. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited.

Google Maps (APISID, HSID, NID, PREF, SAPISID, SID, SSID): These cookies are used by Google to store user preferences and information when viewing pages with Google maps on them.

Share This (_stid, _uset): These cookies are used by the Social Media plug in “Share This”, a widget which allows the user to share any articles on our site via your favourite social network. You can view their Privacy Policy here.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not, as well as improving the functionality of the pages. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies: Most web browsers automatically accept cookies, but you can usually modify your browser settings to decline cookies if you prefer. To access your cookie options, go into your browser settings, select ‘tools’ then ‘options’ (or similar terminology) and look for your content settings. Here you can make changes to your cookie preferences and delete your cookie history.

To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit To opt out of being tracked by Google Analytics across all websites visit More information about cookies, including how to block them or delete them, can be found at .

Security: We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

Links to other websites: Our website may contain links to other websites of interest. Once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Controlling your personal information: We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. You may request details of personal information which we hold about you under the Data Protection Act 1998. If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible. We will promptly correct any information found to be incorrect.

The Mulsanne Partnership may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from 15 May 2012.