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What is a Reverse Mortgage? Understanding the pros and cons of HECM! * Video

What is a Reverse Mortgage?  Understanding the pros and cons of HECM, NEF2.COM


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What is a Reverse Mortgage? Understanding the pros and cons of HECM


What is a Reverse Mortgage?  Understanding the pros and cons of HECM, REMMONT.COM


What is a Reverse Mortgage? Understanding the pros and cons of HECM

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Billionaire Warren Buffett: This Is How To Fix Income Inequality? * Video

Billionaire Warren Buffett: This Is How To Fix Income Inequality, NEF6.COM


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Billionaire Warren Buffett: This Is How To Fix Income Inequality, NEF6.COM


Billionaire Warren Buffett: This Is How To Fix Income Inequality

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Is Renting Always A Waste Of Money?? # Video

Is Renting Always A Waste Of Money?, NEF6.COM


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Is Renting Always A Waste Of Money?


Is Renting Always A Waste Of Money?, REMMONT.COM


Is Renting Always A Waste Of Money?

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What Is a Home Equity Loan? | Financial Terms! @ Video

What Is a Home Equity Loan? | Financial Terms, NEF6.COM


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What Is a Home Equity Loan? | Financial Terms


What Is a Home Equity Loan? | Financial Terms, NEF2.COM


What Is a Home Equity Loan? | Financial Terms

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What is Free Cash Flow?! * Video

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What is Free Cash Flow?

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What is a stock exchange? – MoneyWeek Investment Tutorials! ) Video

What is a stock exchange? - MoneyWeek Investment Tutorials, REMMONT.COM


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What is a stock exchange? – MoneyWeek Investment Tutorials


What is a stock exchange? - MoneyWeek Investment Tutorials, NEF2.COM


What is a stock exchange? – MoneyWeek Investment Tutorials

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Citi Prestige is Back!! New Applications Jan 2019, 5x Bonus Categories!! + Video

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What is mediclaim insurance policy? + Video

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What is insurance policy! – Video

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Inventory Management, Inventory Control

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Inventory management is one important aspect of the total management of an enterprise. It is ultimately the responsibility of the top management to achieve trade offs among marketing, finance, production and other functions so as to obtain, as far as possible, an optimized and relatively balanced trade off so as to maximize the overall performance of the enterprise.

This has to be not only in the short-run but also keeping the long run interests

of the Company in view.

Inventory Management refers to maintaining. for a given financial investment, an adequate supply of something to meet an expected demand pattern.

It thus deals with determination of optimal

policies and procedures for procurement. In business management, inventory consists of a list of goods and materials held or available in stock.

Management of inventory or Inventory management is all about handling functions related to the tracking and management of material. Inventory management is very important in the case of Production Oriented Enterprises. However, it is also relevant for the Service Sector. In India, the emphasis in the early years was on production and on acquiring the skills and capability to manufacture a host of items required to meet the vast need of the country which had just achieved independence and had embarked on a program of industrialization. Therefore, attention got focused on marketing and on profitability.

However, now there is a gradual appreciation of the need to keep our enterprises profitable. R D, Corporate Planning, Productivity, etc. are tightly getting their due importance.

In simple terms, productivity is the positive relationship of output viz-a-viz inputs. Inventory management can be considered an important facet of output input management.
This includes the monitoring of material moved into and out of stockroom locations and reconciling


Vogue Institute – Top and Best Art and Design College, is the art institute a college.

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Experience a World Class Art and Design Institute in India

The essence of fashion, design and attitude is what is taught at Vogue Institute of Fashion Technology. Professionals who are zealous about their work and willing to share their maestro teach the young talent who, once graduated, will reach the zenith professional levels.

It is not just about fashion, style or trend it’s about setting up right attitude into youngsters and at the right time. In the journey with us, you’ll witness a striking approach where theory is taught alongside practice, learn that creativity is a gift to be nurtured, nourished and stimulated continuously, with passion and dedication. For the same we are awarded to be the best and chosen among top 10 best institutes for art and design in the country.

We are Vogue, and we’re glad to meet you

Is the art institute a college

Watch the video to know more about Vogue

TIMES NOW EVANGELIST

VOGUE THE EVANGELIST

Vogue Institute of Fashion Technology is amongst the top 100 Educational Evangelist in India and as one of the top 18 Educational institutes in the country. Watch Vogue on Times Now! Three Cheers to Vogue Institute of Fashion Technology.

ACADEMIC PROGRAMMES

Is the art institute a college

Is the art institute a college

Is the art institute a college

Is the art institute a college

Is the art institute a college

Is the art institute a college

Is the art institute a college

Is the art institute a college

Is the art institute a college

HERALDING A NEW ERA IN FASHION

The difference between style and fashion is quality. Giorgio Armani.

VOGUE INSTITUTE OF FASHION TECHNOLOGY , a multi disciplinary, umbrella institute was founded in year 1996. It is a pioneering design incubator that nurtures emerging design talent Education here is centered on the development of ideas. Vogue is the hub where designing is induced with passion standards of design education are set with creative educational culture, development of problem solving capabilities by promoting design competencies.

Years of Academic Excellence

CAMPUS

Is the art institute a college

AFFILIATIONS ACCREDITATIONS

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INFRASTRUCTURE FACILITIES

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PLACEMENTS

Is the art institute a college

ALUMNI SPEAK

CHETHAN B.P

Is the art institute a college

ANANDAVARDHINI

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ABHINAV BHATIA

Is the art institute a college

M.GIRISH RATHNA

Is the art institute a college

MESSAGE FROM THE CHAIRMAN

“The best and most beautiful things in the world cannot be seen or even touched they must be felt with the heart.” These inspirational words come to us from the American educator, Helen Keller, who overcame the adversity of being blind and deaf to become one of the 20th century s leading humanitarians. We can relate this thought to the field of design as well as “Design must first be felt to be expressed”. Creativity is an expression of our inner being and how we make sense of the world around us. Each of you who have chosen to embark on a career in the Creative Arts will understand what I mean. Every thought and idea begins in the mind and is translated through the fingertips onto paper. New technology now makes it possible for us to translate our ideas directly onto computers.

EVENTS AT VOGUE Campus Atmosphere filled with Fun, Frolic Joy.

We don t believe in all studies and no play, and hence you will be surrounded by euphoric events all year round to give you a break and to bring out the rockstar in you. And you said education was boring?


California s Low Cost Auto Insurance Program, what is the most affordable car insurance.

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California’s Low Cost Auto Insurance Program

Consumers – Please visit www.mylowcostauto.com or call 1-866-602-8861 to see if you qualify and locate a certified agent in your local area.

Insurance Agents and Brokers (Producers) – Please visit www.aipso.com/PlanSites/CaliforniaLowCost.aspx for more information.

About California’s Low Cost Automobile Insurance Program

California Law requires that all drivers of vehicles within the State maintain evidence of financial responsibility. California’s Low Cost Automobile Program (CLCA) was established by the Legislature in 1999 and exists pursuant to California Insurance Code Section 11629.7 as a program designed to provide income eligible persons with liability insurance protection at affordable rates as a way to meet California’s financial responsibility laws.

However, too many income eligible drivers remain uninsured because the costs of standard insurance premiums are beyond their financial reach. Learn about affordable solutions that may help protect you, your friends, family and other drivers on the road.

Effective January 01, 2015 a new law, SB 1273 passed by the Governor on September 19, 2014, provides an exception to the three-year continuously licensed requirement to allow drivers with less than 3 years verifiable driving experience to participate in the program and increased vehicle values from $20,000 to $25,000. For more information on the CLCA program please visit: www.mylowcostauto.com .

CLCA important links:

  • Reports to the Legislature and Consumer Education and Outreach Plans
  • CLCA Tip Card (PDF)
  • Cost of CLCA Insurance Rates Sheet by County 201 7
  • Cost of CLCA Optional Rates Sheet 201 7
  • Good Driver Definition (PDF)
  • Applicant Income Eligibility Requirement (PDF)
  • Request CLCA Tip Cards to be mailed to your organization.
  • Invite CEOB to your outreach event or meeting!
  • If you have a question about the CLCA program, send us an e-mail!

Contact Us:

The Department of Insurance welcomes the opportunity to provide a CLCA expert to speak at your community events. To obtain information cards and materials check out our program materials by viewing our order form. If you have any questions about this program, please do not hesitate to contact us!

Consumer Education and Outreach Bureau

300 S. Spring Street, South Tower

Los Angeles, CA 90013

Toll free (877) 401-9550

The California Low Cost Automobile Insurance Program is brought to you by the California Department of Insurance and is administered by the California Automobile Assigned Risk Plan (CAARP).


Philadelphia Medical Malpractice Lawyer Max Kennerly, how much is malpractice insurance for nurses.

#How #much #is #malpractice #insurance #for #nurses


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Litigation Trial Lawyer Blog – Legal articles by personal injury attorney Max Kennerly

Philadelphia Medical Malpractice Lawyer Max Kennerly

Only about 380 Philadelphia medical malpractice lawsuits are filed every year, and only about 25 jury trials are held. A very small number of lawyers and law firms actually have experience in this field. I ve filed, litigated, settled, and taken to trial medical negligence cases since the beginning of my career, including everything from birth injury, to cancer misdiagnosis, to surgical mistakes. I ve worked with medical experts in a wide variety of specialties, including neurosurgeons, heart surgeons, emergency medicine physicians, oncologists, radiologists, hospitalists, and family physicians. I ve also cross-examined experts of the same specialties hired by defense lawyers and malpractice insurance companies.

What Is Malpractice?

Malpractice is the same thing as negligence. The only difference is that the law uses malpractice when discussing a licensed professional, like a doctor. A doctor commits malpractice or is negligent when their actions don t meet the standard of care. The standard of care is defined by what a reasonable doctor must do when seeing a patient with those signs, symptoms, and medical conditions.

What Does A Medical Malpractice Lawyer Do?

A medical malpractice lawyer represents patients in claims against a nurse, a doctor, or a hospital. Lawyers typically do at least these seven things:

  • Review the case to identify whether there is a reasonable probability of success
  • Pays all expenses for the case (such as expert witness fees, court reporting fees, and court filing costs), and is reimbursed for those costs if the patient wins a settlement or verdict
  • Finds a qualified expert witness to review the medical records and the patient s story (usually, the expert witness must be a physician) in the same specialty as the potential defendant
  • Files a complaint in court, and handles any court motions or hearings
  • Uses discovery to investigate the claim, such as by serving subpoenas and conducting interviews under oath (called depositions )
  • Works with the expert witnesses, such as physicians, nurses, life care planning experts, and economists, to develop the case for presentation at trial
  • Handles trial of the case, including jury selection, hearings with the judge, and the questioning of witnesses

The Most Common Examples Of Med Mal Lawsuits: Misdiagnosis, Surgery Mismanagement, Birth Injury, and Medication Errors

In my experience, there are four main types of medical negligence.

Misdiagnosis (including delayed or wrong diagnoses) comprises up to one-quarter of all malpractice claims, with colorectal cancer, breast cancer, and prostrate cancer being the most commonly misdiagnosed conditions, so much so that medical negligence insurance companies have developed screening algorithms for all three. In many cases, a physician like a family physician, gastroenterologist or internist simply failed to follow up on subtle but revealing signs of cancer like anemia, bleeding, or low hemocrit levels and order a workup of blood tests. Cervical cancer and skin cancer are also unfortunately common, often because many gynecologists and general practitioners dismiss patient concerns as ordinary complaints instead of stepping back and considering each medical issue on its own merits. Read more about misdiagnosis and failure to diagnose malpractice lawsuits.

Surgery mismanagement is the next most common form of malpractice claim. Although some surgery malpractice lawsuits involve a simple technical error by a surgeon — such as a general surgeon, orthopedic surgeon, or neurosurgeon performing a technique improperly and thereby injuring the spine or adjacent organs — in our experience most claims arise not just from a surgeon making a mistake in the middle of the procedure but from the hospital and staff as a whole failing to follow appropriate protocols to prepare for surgery, to monitor patients for complications during surgery, and to ensure patients recover safely. For example, many serious injuries arise in the post-operative period when the staff fails to notice hemorrhaging or when the physicians fail to take appropriate steps, like administering steroids, to prevent vision loss or blindness after major surgeries. Even common procedures like gallbladder removal are not immune from these mistakes. (This problem is nothing new. For more about this issue, read this decade-old article in The New Yorker.)

Birth injury cases involve failures by obstetricians, midwives, nurses or hospitals to appropriately diagnose and to treat complications that arise during birth. We are intimately familiar with obstetrics — I personally spent 78 days in the Neonatal Intensive Care Unit (NICU) with my own premature twins — and we know what fetal heart rates should indicate a problem, how shoulder dystocia should be managed when a baby gets stuck, when an emergency c-section should be ordered for fetal distress, when cerebral palsy was avoidable, and why babies are referred to head cooling for hypoxic-ischemic encephalopathy or to extracorporeal membrane oxygenation (ECMO) for meconium aspiration. Read more about cerebral palsy malpractice lawsuits.

Medication errors are as simple and often as devastating as they sound. In 2008, for example, I and another attorney at the firm tried a case in which a woman was needlessly given an antibiotic to which she was allergic — despite telling three nurses and her doctor about the allergy and having a red armband that say, in large capital letters, that she was allergic. Sometimes patients are given the wrong medicine. Many times, patients are accidentally given extraordinary overdoses of anesthesia, insulin, heparin, and other common medications. Other times, the doctors and nurses fail to monitor a patients blood lab values to ensure that the patient s dosages of powerful medicines like blood thinners are appropriately adjusted for the situation.

Malpractice is sadly quite common, with potentially up to 440,000 patients dying every year. But successful malpractice lawsuits are far less common, and only 15,000 cases result in a payment each year. Having a good medical malpractice lawyer can make a big difference.

We apply our substantial medical knowledge, and substantial medical malpractice success, each and every day investigating, developing, litigating, advocating, and winning our cases. We stay on top of the cutting-edge research and stay in touch with the most qualified expert witnesses. A lot of patients or their survivors come to us just looking for answers, not knowing if they want to file a lawsuit. That’s okay; our expert nurses, doctors, and lawyers will review your case free of charge. If we don’t think the physician or hospital was negligent in their care, we’ll tell you. If we find evidence of negligence or malpractice, we’ll tell you why, and discuss with you your options. If you decide to go forward, we will fight for your right to full compensation, using state-of-the-art litigation and trial strategies and top-notch experts, nurses, economists, and care planners.

If you are a victim of medical negligence, use the below contact form or call us at 1-215-948-2718 for a free, confidential consultation. We represent clients across Pennsylvania, with a focus on our medical malpractice and hospital negligence cases on Philadelphia, Montgomery, Bucks, Delaware, Chester, and Lancaster counties. Similarly, in New Jersey we focus on Camden, Burlington, Glouchester, Salem, Mercer, Ocean, and Atlantic Counties. In Delaware, we focus on New Castle and Kent counties. For certain cases, like wrongful death and childbirth malpractice, we partner with other firms to extend our representation nationwide.

Because the rights of malpractice victims are so important to me, I regularly write about medical malpractice in Philadelphia, Pennsylvania, and New Jersey on this blog. You can read all of my posts here. Here are some of my more popular posts:

About Max Kennerly

I’m a trial lawyer for people who have been seriously hurt. I’m listed in Super Lawyers and Best Lawyers in America. I have a B.A. with Honors from Yale University and a J.D. from Temple University. For the past ten years, my law practice has been devoted to representing injured plaintiffs.

ABA Blawg 100 Honoree

The American Bar Association named this blog one of the Top 100 blogs written by lawyers in 2012, 2013, 2014, 2015, and 2016. Read more on my media mentions page.


Curtin University, Western Australia’s largest, most culturally diverse, high international student population, Curtin University, Perth, Australia, what is information technology major.

#What #is #information #technology #major


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Help get innovative ideas off the ground. Give to our Alumni Annual Appeal.

Make tomorrow better.

Find a Curtin course

Master of Occupational Health and Safety

In Australia, the annual cost of associated ill health is between $15 billion and $37 billion every year. In this course you will develop strong theoretical and practical OHS skills and discover new knowledge and novel ways of solving problems.

Study at Curtin

Curtin’s courses are innovative and grounded in the real world. Regardless of whether you are a future student , international or studying online , we’ll have the course that’s right for you.

Research

Curtin is widely recognised for its achievements in applied research . Our research areas are focused on solving real-world problems.

Engage

We develop and maintain strong collaborative relationships with our alumni, community, industry and research partners.

Global university

A truly global university, Curtin has campuses in Australia, Malaysia, Singapore and the United Arab Emirates; and strong partnerships with leading universities around the world.

What is information technology major

Celebrating 50 Years of Innovation: WAIT to Curtin

An opportunity for those who’ve shared in the WAIT and Curtin journey – past and present staff, alumni, partners, current students and members of the extended community – to come together and celebrate our milestone.

What’s happening at Curtin

Applying to Curtin? We re making it easier for you to find the info you need.

Give to our Alumni Annual Appeal

Science information evening

date_range 12 September 2017

Research and Innovation Week 2017

date_range 18 September 2017

What is information technology major

Curtin information session

date_range 15 September 2017

What is information technology major

We re proud to be ranked 69th out of 243 institutions in the Times Higher Education Asia-Pacific University Rankings.

Indigenous Acknowledgement

Curtin University acknowledges the traditional owners of the land on which the Bentley Campus is located, the Wadjuk people of the Nyungar Nation; on our Kalgoorlie Campus, the Wongutha people of the North-Eastern Goldfields; and on our Margaret River Campus, the Wardandi people of the Nyungar Nation.


What is Comprehensive Car Insurance, what is comprehensive auto insurance.

#What #is #comprehensive #auto #insurance


What is comprehensive car insurance?

Comprehensive insurance is a core auto insurance coverage that helps you prepare for the unexpected by covering events other than a collision with another vehicle. It is typically purchased in addition to liability insurance, which is required by most states to drive legally, and collision insurance, which only applies to an accident involving another vehicle.

Avoiding car accidents is one way to stay safe in your car – but what about accidents other than those involving another vehicle? Comprehensive insurance can provide you with an extra level of coverage against these types of mishaps.

What does comprehensive auto insurance cover?

Comprehensive car insurance coverage is a type of auto coverage that pays for damage caused by covered events other than a collision with another vehicle, such as vandalism or hail damage. Without comprehensive insurance, you may have to pay to repair these kinds of damages to your car, which can outweigh the price of your policy. Learn more about the difference between comprehensive and collision coverages.

A comprehensive car insurance policy may include coverage for:

  • A cracked or broken windshield, depending on the state in which you live
  • Damage from hitting a deer or other animal
  • Car theft insurance in the event your vehicle is stolen or damaged by covered car vandalism
  • Damages caused by some events outside of human control, such as hail or other natural disasters
  • Damage caused by certain falling objects, such as tree branches or debris
  • Damages resulting from fires, civil commotions or explosions

A standard auto policy will not cover vintage or collector vehicles. If you own a classic car, learn more about Nationwide classic car insurance today.

Add endorsements to your comprehensive auto insurance for even more protection

It’s easy to customize your comprehensive insurance policy with a variety of endorsements, all designed to make your life easier, such as:

Adjust your comprehensive car insurance policy to fit your needs

Some policies will insure your vehicle for its actual cash value rather than for the replacement cost. That reflects the current value of the vehicle, not what you paid for it. In some states, you can purchase extra coverage, such as gap coverage, new car replacement coverage or vehicle value upgrade. These coverages offer extra protection for newer cars.

You have more options when selecting your comprehensive coverage deductible amount, which is the amount of money you pay before insurance kicks in. To lower your comprehensive car insurance rate, you can choose to have a high deductible, such as $1,000. However, you need to make sure you can pay that amount out of pocket if you have to file a claim. A lower deductible might increase your rate, but it will cover more of your costs in the event of a covered accident.

Learn more about the definition of comprehensive coverage or start a comprehensive auto insurance quote above.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.


Liability Insurance, Progressive Commercial, what is automobile liability insurance. #What #is #automobile #liability #insurance


Liability Insurance

Vehicle liability insurance has two components always included together: Bodily Injury coverage and Property Damage coverage.

Vehicle liability insurance is the basic insurance coverage that covers injuries or damage to other people or property if you’re at fault for an accident.

Are you looking for General Liability Insurance?

General Liability insurance is coverage that protects you against financial liabilities resulting from accidents such as spilling paint on someone’s carpet or someone slipping on your floor.

If you cause an accident that injures or even kills another person, the Bodily Injury (BI) portion of your Liability insurance will pay for the related expenses. Bodily Injury (BI) will cover hospital and medical bills, rehabilitation, long-term nursing care, funeral expenses, lost earnings, pain and suffering, and other expenses, up to the limits you select.

If you cause an accident that damages another person’s property, the Property Damage (PD) portion of your Liability insurance will pay for the related expenses. Property Damage (PD) will cover the expense to repair or replace damaged items, including other vehicles, lamp posts, houses or even a pet, up to the limits you select.

Liability insurance also will pay for your legal defense costs if you are sued as a result of your involvement with the accident.

Who needs liability insurance?

Anyone who drives a vehicle needs Liability insurance. In most situations, Liability insurance is required by law.

For-hire truckers operating under their own authority must have Liability insurance in order to obtain a filing.

Liability insurance limits and other details

Liability insurance requires you to select limits. These limits determine the maximum amount your insurance company will pay if you need to use the insurance coverage. Limits are described either as split limits or as a combined single limit.

Need vehicle liability limits above $1 million?

In certain states, we offer liability limits up to $2 million to satisfy the contractual requirements of some employers.

Split limits are three numbers that describe the following:

  • Maximum Bodily Injury payment per person
  • Maximum Bodily Injury payment for all people in the entire accident
  • Maximum total Property Damage payment for all property in the accident

For example, if you choose split limits of $15,000/$30,000/$10,000:

  • $15,000 would be the most your insurance would pay each person injured in an accident.
  • $30,000 would be the most your insurance would pay for all people injured in the accident.
  • $10,000 would be the most your insurance would pay for all property damaged in a single accident.

With a combined single limit, or CSL, only one number is used to describe the limits for both Bodily Injury insurance and Property Damage insurance. In this case, there is no specific limit per person, just a grand total maximum that will be paid for all injuries and property damage that you cause that result from a single accident.

For example, if you selected a combined single limit of $1 million, your insurance company would pay up to $1 million for all medical and injury-related bills and all property damage expenses that you caused in an accident.

Liability insurance example:

You can’t stop your van in time, and rear-end the car in front of you.

The other car’s bumper is damaged, and the other driver has a sprained wrist.

You have a combined single limit of $300,000 for your Liability insurance.

The Bodily Injury component of your Liability insurance would pay the other driver’s $1,500 medical bill wrist X-rays.

The Property Damage component of your Liability insurance would pay the $1,000 bill to replace the other car’s bumper.

Since you chose a combined single limit (CSL) of $300,000, your total Liability expenses of $2,500 are completely covered by your insurance.

Liability insurance exceptions and restrictions

Your Property Damage insurance limits cannot exceed your Bodily Injury insurance per person limits if you choose a split limit.

Multiple vehicles

  • If one vehicle on the policy has Liability insurance, all of the vehicles must have it.
  • The selected Liability limits must be the same for all vehicles on a policy.

State minimums

  • Each state sets laws regarding how much Liability insurance its residents are required to have. This is known as your state’s minimum limits or minimum limit requirements.

Fortunately, Progressive knows the requirements for each state and will make sure you have at least the minimum amount of Liability insurance required to meet your state’s laws.


Compare Cheap Car Insurance Quotes, how much is car insurance.

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Car Insurance

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How to get a car insurance quote

To get an accurate quote you will need to provide certain details about your car, including:

  • Registration number
  • Make and model
  • Age and value
  • Any modifications made

This information allows us to understand which insurance group your car belongs to, in order to complete the insurance quote. You can find out which group your car belongs to using this tool.

Information about you

You will also need to include information about your job, age, and where you live, along with details of your driving history (including any convictions and claims).

Named drivers

The names and licence details of anyone who will be driving your car need to be provided.

No Claims Discount (NCD) history

Details of your no claims discount will help lower the price you are quoted. You can find out here how many years’ no claims discount your insurer will honour.

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How to reduce the cost of car insurance

MoneySuperMarket data shows the average quoted premium for an annual fully comprehensive car insurance policy is £579 (September 2017), up 7.5% on the previous year. This increase in premiums makes it more important than ever to compare the best car insurance prices.

Here are our top tips on how to reduce your premiums:

Don’t auto-renew: UK motorists lose around £2.37bn by rolling over their policies with the same insurer every year.

Compare quotes: Market research company, Consumer Intelligence, found that 51% of customers who search for car insurance through us could save up to £273 on their annual premium*.

Increase your excess: Insurers are likely to reduce the cost of cover if you increase your excess. Just make sure your excess is affordable. Read our voluntary excess guide.

Build a no claims discount: Most insurers reward drivers for claims-free driving.

*51% of customers could save up to £273.83 Consumer Intelligence, November 2017

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What types of car insurance policy are available?

Third party provides the lowest level of car insurance cover. It insures you against damage to another person’s car or injury to them, however it doesn’t cover your car should it need to be repaired or replaced.

Third Party Fire and Theft

With third party, fire and theft you have additional cover to repair or replace your car if it’s stolen, damaged or destroyed by fire.

Comprehensive Cover

Fully comprehensive car insurance offers complete cover for your car and other drivers. This includes third party and third party fire theft, vandalism damage, accidental damage, repairs, and loss of gadgets such as sat nav systems.

Our dedicated guides will help you work out which type of cover is right for you and your motor.

How can we help you save on your car insurance?

It’s our job to find you the best car insurance deal from a wide range of leading UK insurance companies. When you enter your details on our site, we send them to over 120 car insurance brands so they can compete for your business.

We rank the quotes they offer in price order so you can make your selection.

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Car insurance guide

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Get covered for periods shorter than 12 months

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Fight back against expensive young drivers insurance

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Get a specialist Business car insurance policy

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Find out why the type of car you choose affects the cost of car insurance

Learner driver insurance

Will you need to pay for learner driver insurance on top of tuition fees

Fully comprehensive cover

Find out why the most complete level of cover isn t always the most expensive option.

Excess insurance

Insuring against high excess costs could save you money if you ever have to claim.

Gap insurance

If you re buying a new car, it s well worth considering gap insurance.

Named driver insurance

How adding a named driver can lower the cost of car insurance.

MOTORING NEWS

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Are we ready for the motoring revolution

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And could you be at risk

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We combine independence, so we can negotiate the best prices, with excellent technology, to find great value products and services for you. That’s what makes us – in our customers’ opinions – the best price comparison website.

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We aim to show you car insurance quotes from as many insurance companies as possible, so that you can find the right policy for you. Unfortunately, we can’t promise to show quotes from every insurance provider, because not all companies want to be included on comparison websites. We won’t offer you advice or make a recommendation, but we will provide you with all the information you need to help you decide which is the right policy for you. You can find out more about how we work here.

MoneySuperMarket can help you find great deals on your car insurance. From single to multi-car deals, satellite-based telematics policies to insurance for classic cars, we search the market to get the best combination of protection and price. Check out our news and guide pages for more information.



FHA Loan and Financing Information from, what is a fha loan.#What #is #a #fha #loan


FHA Loans Explained and Delivered

Federal Housing Administration (FHA) Loans have returned to the lending market as a smart option for home financing for first time home buyers and those with less than perfect credit. At FHA Mortgage Center.com, we provide expert resources to consumers through a wealth of information on FHA home financing.

FHA Loans by State

More Information on FHA Mortgages

Choose an FHA Loan and Save Money. Choosing FHA Financing for your home loan can be a wise decision depending on your specific situation. The costs associated with the FHA Loan Program differ from other types of home financing. Benefits may include the following:

  • Smaller down payments
  • Attractive interest rates
  • Allowance of gift funds
  • 6% seller contributions
  • Lower closing costs

All of these benefits mean less money is required from you at the closing table!

By definition, FHA financing is a government-insured loan program that delegates loan approval to approved lenders.

Changes in the Housing Market Make FHA the Right Choice

What is a fha loan

After the fallout of the subprime and Alt-A loan markets in 2007, FHA Loans have received a new shot of energy throughout the housing market. Lenders, realtors, politicians, and investors have all issued statements championing the return of the FHA Home Loan Program to its rightful place in helping Americans purchase homes.

Borrowers like you, who once would have been better off in a conventional mortgage, may now find a FHA Home Loan to be the cheapest and safest option for securing a home.

FHA Resources

No matter what program you decide to use for your home loan, the basic terminology is something all home buyers need to be familiar with. You can use our new FHA Loan Term Glossary to learn and become comfortable with the financial terminology you will encounter with any home loan.

NOT a Government Agency

FHA Mortgage Center.com is not affiliated with any government agencies, including the FHA (Federal Housing Administration) or the HUD (Department of Housing and Urban Development).

FHA Mortgage Center.com Blog

Latest Articles

What is a fha loan



FHA Loan and Financing Information from, what is fha loan.#What #is #fha #loan


FHA Loans Explained and Delivered

Federal Housing Administration (FHA) Loans have returned to the lending market as a smart option for home financing for first time home buyers and those with less than perfect credit. At FHA Mortgage Center.com, we provide expert resources to consumers through a wealth of information on FHA home financing.

FHA Loans by State

More Information on FHA Mortgages

Choose an FHA Loan and Save Money. Choosing FHA Financing for your home loan can be a wise decision depending on your specific situation. The costs associated with the FHA Loan Program differ from other types of home financing. Benefits may include the following:

  • Smaller down payments
  • Attractive interest rates
  • Allowance of gift funds
  • 6% seller contributions
  • Lower closing costs

All of these benefits mean less money is required from you at the closing table!

By definition, FHA financing is a government-insured loan program that delegates loan approval to approved lenders.

Changes in the Housing Market Make FHA the Right Choice

What is fha loan

After the fallout of the subprime and Alt-A loan markets in 2007, FHA Loans have received a new shot of energy throughout the housing market. Lenders, realtors, politicians, and investors have all issued statements championing the return of the FHA Home Loan Program to its rightful place in helping Americans purchase homes.

Borrowers like you, who once would have been better off in a conventional mortgage, may now find a FHA Home Loan to be the cheapest and safest option for securing a home.

FHA Resources

No matter what program you decide to use for your home loan, the basic terminology is something all home buyers need to be familiar with. You can use our new FHA Loan Term Glossary to learn and become comfortable with the financial terminology you will encounter with any home loan.

NOT a Government Agency

FHA Mortgage Center.com is not affiliated with any government agencies, including the FHA (Federal Housing Administration) or the HUD (Department of Housing and Urban Development).

FHA Mortgage Center.com Blog

Latest Articles

What is fha loan



University of Chicago Department of Economics, The University of Chicago, what is a loan.#What #is #a #loan


University of Chicago Department of Economics

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A graduate fellowship fund in memory of Professor Larry A. Sjaastad has been created in the Kenneth C. Griffin Department of Economics through a generous gift.

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John A. List, Department Chair and the Kenneth C. Griffin Distinguished Service Professor in Economics, receives the Hartsook Growing Philanthropy Award for his pioneering work using field experiments to understand the science of charitable giving.

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The Department of Economics congratulates Alessandra Voena, recipient of the 2017 Carlo Alberto Medal. The Medal is presented every two years to a young Italian economist under the age of 40 for his or her ourstanding research contributions to the field of economics.

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The Department of Economics congratulates Magne Mogstad, the Gary S. Becker Professor in Economics and the College, on receiving the 2017 IZA Young Labor Economist Award. The IZA bestows this honor once every two years to an aspiring labor market researcher below age 45 to support and stimulate top research. According to IZA Network Director Daniel S. Hamermesh, Professor at Royal Holloway University of London and the Editor-in-Chief of IZA World of Labor, the award is a “modest recognition of the remarkable amount that [Mogstad has] already achieved.” The complete list of IZA Young Labor Economist Award winners can be seen at legacy.iza.org/en/webcontent/prize/ylea.

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California Housing Finance Agency, CalHFA, what is a loan.#What #is #a #loan


CalHFA supports the needs of renters and homebuyers

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Homebuyers

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Lenders/Realtors

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What’s New at CalHFA

  • Program Bulletin #2017-13 – Proposed Federal Tax Reform and the Uncertainty of Mortgage Credit Certificate Program
  • Press Release 2017-11-09 – CalHFA Launches New Path to Homeownership for Service Members and Veterans
  • Video – Cal-EEM + Grant helps homebuyers with $24,000 of energy upgrades
  • Press Release 2017-10-03 – CalHFA Increases Access to Manufactured Home Loans
  • Program Bulletin #2017-12 – Closing Document Revisions for MyHome Assistance Program and Extra Credit Teacher Home Purchase Program (ECTP) when combined with a CalHFA Government Insured/Guaranteed First Mortgage
  • Program Bulletin #2017-11 – CalHFA Launches New CalHFA VA Loan Program
  • Press Release 2017-09-14 – Michael Carroll is CalHFA s New Director of Multifamily Programs
  • Program Bulletin #2017-10 – Updated Sales Price Limits
  • Program Bulletin #2017-09 – Updated Income Limits for all CalHFA Conventional and FHA Loan First Mortgage Programs
  • Program Bulletin #2017-08 – Updates to Manufactured Housing Guidelines for All CalHFA FHA Loan Programs
  • Press Release 2017-07-11 – CalHFA Helps Hundreds with Free Homebuyer Education
  • Program Bulletin #2017-07 – Escrow Holdbacks Allowed and Name Change for the Notice of Conditional Approval
  • Get to know CalHFA and our programs by viewing our Video Library.
  • Enews announcements can be found on our Archived Page.

Hardship Foreclosure Assistance

  • Keep Your Home California programs are designed for homeowners who are struggling to pay their mortgages.

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  • The Home Affordable Refinance Program (HARP) is available on loans owned by Fannie Mae and Freddie Mac. If these loans were insured by the California Housing Loan Insurance Fund they may be eligible to have existing mortgage insurance transferred to a new refinance loan.

Other Information

  • What is a loanThe California Victims Compensation Board is available to help California victims of the October 1 shooting in Las Vegas. If you’ve lost a family member, been injured or attended the Route 91 Harvest Festival where this terrible tragedy occurred on Sunday night, CalVCB can provide financial assistance. Visit the California Victims Compensation Board website and news release for more information.
  • Public Notice: Environmental Assessment For Whittier Downey SE Apartments (300 MB)
  • Public Notice: Environmental Assessment For North San Pedro Studios
  • Public Notice: 2017 Mortgage Credit Certificate Program
  • Veterans Housing and Homelessness Prevention Program (VHHP)
  • 2014 California Affordable Housing Cost Study
  • Language Access Complaint Form /Formulario de queja de acceso por idioma

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FHA Loan and Financing Information from, what is a fha loan.#What #is #a #fha #loan


FHA Loans Explained and Delivered

Federal Housing Administration (FHA) Loans have returned to the lending market as a smart option for home financing for first time home buyers and those with less than perfect credit. At FHA Mortgage Center.com, we provide expert resources to consumers through a wealth of information on FHA home financing.

FHA Loans by State

More Information on FHA Mortgages

Choose an FHA Loan and Save Money. Choosing FHA Financing for your home loan can be a wise decision depending on your specific situation. The costs associated with the FHA Loan Program differ from other types of home financing. Benefits may include the following:

  • Smaller down payments
  • Attractive interest rates
  • Allowance of gift funds
  • 6% seller contributions
  • Lower closing costs

All of these benefits mean less money is required from you at the closing table!

By definition, FHA financing is a government-insured loan program that delegates loan approval to approved lenders.

Changes in the Housing Market Make FHA the Right Choice

What is a fha loan

After the fallout of the subprime and Alt-A loan markets in 2007, FHA Loans have received a new shot of energy throughout the housing market. Lenders, realtors, politicians, and investors have all issued statements championing the return of the FHA Home Loan Program to its rightful place in helping Americans purchase homes.

Borrowers like you, who once would have been better off in a conventional mortgage, may now find a FHA Home Loan to be the cheapest and safest option for securing a home.

FHA Resources

No matter what program you decide to use for your home loan, the basic terminology is something all home buyers need to be familiar with. You can use our new FHA Loan Term Glossary to learn and become comfortable with the financial terminology you will encounter with any home loan.

NOT a Government Agency

FHA Mortgage Center.com is not affiliated with any government agencies, including the FHA (Federal Housing Administration) or the HUD (Department of Housing and Urban Development).

FHA Mortgage Center.com Blog

Latest Articles

What is a fha loan



What is an FHA Loan? Complete Guide to FHA Loans, Zillow, what is an fha loan.#What #is #an #fha #loan


What is an FHA Loan? – The Complete Consumer Guide

In this article:

An FHA loan is a mortgage that’s insured by the Federal Housing Administration (FHA). They are popular especially among first time home buyers because they allow down payments of 3.5% for credit scores of 580+. However, borrowers must pay mortgage insurance premiums, which protects the lender if a borrower defaults.

Borrowers can qualify for an FHA loan with a down payment as little as 3.5% for a credit score of 580 or higher. The borrower s credit score can be between 500 579 if a 10% down payment is made. It s important to remember though, that the lower the credit score, the higher the interest borrowers will receive.

The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable for people with less than stellar credit or a low down payment. Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.

FHA Loan Requirements

For borrowers interested in buying a home with an FHA loan with the low down payment amount of 3.5%, applicants must have a minimum FICO score of 580 to qualify. However, having a credit score that’s lower than 580 doesn’t necessarily exclude you from FHA loan eligibility. You just need to have a minimum down payment of 10%.

The credit score and down payment amounts are just two of the requirements of FHA loans. Here’s a complete list of FHA loan requirements, which are set by the Federal Housing Authority:

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money can be gifted by a family member.
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers back-end ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent. FHA-qualified lenders will use a case-by-case basis to determine an applicants credit worthiness.
  • Typically borrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made if you are out of bankruptcy for more than one year if there were extenuating circumstances beyond your control that caused the bankruptcy and you ve managed your money in a responsible manner.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit. Exceptions can be made if there were extenuating circumstances and you ve improved your credit. If you were unable to sell your home because you had to move to a new area, this does not qualify as an exception to the three-year foreclosure guideline.
  • The property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).

See today s rates for FHA loans on Zillow What is an fha loan

Benefits of FHA Loans: Low Down Payments and Less Strict Credit Score Requirements

Typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. For FHA loans, down payment of 3.5 percent is required for maximum financing. Borrowers with credit scores as low as 500 can qualify for an FHA loan.

Borrowers who cannot afford a 20 percent down payment, have a lower credit score, or can’t get approved for private mortgage insurance should look into whether an FHA loan is the best option for their personal scenario.

Another advantage of an FHA loan it is an assumable mortgage which means if you want to sell your home, the buyer can “assume” the loan you have. People who have low or bad credit, have undergone a bankruptcy or have been foreclosed upon may be able to still qualify for an FHA loan.

Mortgage Insurance is Required for an FHA Loan

You knew there had to be a catch, and here it is: Because an FHA loan does not have the strict standards of a conventional loan, it requires two kinds of mortgage insurance premiums: one is paid in full upfront -– or, it can be financed into the mortgage –- and the other is a monthly payment. Also, FHA loans require that the house meet certain conditions and must be appraised by an FHA-approved appraiser.

Upfront mortgage insurance premium (UFMIP) — Appropriately named, this is a one-time upfront monthly premium payment, which means borrowers will pay a premium of 1.75% of the home loan, regardless of their credit score. Example: $300,000 loan x 1.75% = $5,250. This sum can be paid upfront at closing as part of the settlement charges or can be rolled into the mortgage.

Annual MIP (charged monthly) — Called an annual premium, this is actually a monthly charge that will be figured into your mortgage payment. The amount of the mortgage insurance premium is a percentage of the loan amount, based on the borrower s loan-to-value (LTV) ratio, loan size, and length of loan:



What is an FHA Loan? Complete Guide to FHA Loans, Zillow, what is fha loan.#What #is #fha #loan


What is an FHA Loan? – The Complete Consumer Guide

In this article:

An FHA loan is a mortgage that’s insured by the Federal Housing Administration (FHA). They are popular especially among first time home buyers because they allow down payments of 3.5% for credit scores of 580+. However, borrowers must pay mortgage insurance premiums, which protects the lender if a borrower defaults.

Borrowers can qualify for an FHA loan with a down payment as little as 3.5% for a credit score of 580 or higher. The borrower s credit score can be between 500 579 if a 10% down payment is made. It s important to remember though, that the lower the credit score, the higher the interest borrowers will receive.

The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable for people with less than stellar credit or a low down payment. Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.

FHA Loan Requirements

For borrowers interested in buying a home with an FHA loan with the low down payment amount of 3.5%, applicants must have a minimum FICO score of 580 to qualify. However, having a credit score that’s lower than 580 doesn’t necessarily exclude you from FHA loan eligibility. You just need to have a minimum down payment of 10%.

The credit score and down payment amounts are just two of the requirements of FHA loans. Here’s a complete list of FHA loan requirements, which are set by the Federal Housing Authority:

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money can be gifted by a family member.
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers back-end ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent. FHA-qualified lenders will use a case-by-case basis to determine an applicants credit worthiness.
  • Typically borrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made if you are out of bankruptcy for more than one year if there were extenuating circumstances beyond your control that caused the bankruptcy and you ve managed your money in a responsible manner.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit. Exceptions can be made if there were extenuating circumstances and you ve improved your credit. If you were unable to sell your home because you had to move to a new area, this does not qualify as an exception to the three-year foreclosure guideline.
  • The property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).

See today s rates for FHA loans on Zillow What is fha loan

Benefits of FHA Loans: Low Down Payments and Less Strict Credit Score Requirements

Typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. For FHA loans, down payment of 3.5 percent is required for maximum financing. Borrowers with credit scores as low as 500 can qualify for an FHA loan.

Borrowers who cannot afford a 20 percent down payment, have a lower credit score, or can’t get approved for private mortgage insurance should look into whether an FHA loan is the best option for their personal scenario.

Another advantage of an FHA loan it is an assumable mortgage which means if you want to sell your home, the buyer can “assume” the loan you have. People who have low or bad credit, have undergone a bankruptcy or have been foreclosed upon may be able to still qualify for an FHA loan.

Mortgage Insurance is Required for an FHA Loan

You knew there had to be a catch, and here it is: Because an FHA loan does not have the strict standards of a conventional loan, it requires two kinds of mortgage insurance premiums: one is paid in full upfront -– or, it can be financed into the mortgage –- and the other is a monthly payment. Also, FHA loans require that the house meet certain conditions and must be appraised by an FHA-approved appraiser.

Upfront mortgage insurance premium (UFMIP) — Appropriately named, this is a one-time upfront monthly premium payment, which means borrowers will pay a premium of 1.75% of the home loan, regardless of their credit score. Example: $300,000 loan x 1.75% = $5,250. This sum can be paid upfront at closing as part of the settlement charges or can be rolled into the mortgage.

Annual MIP (charged monthly) — Called an annual premium, this is actually a monthly charge that will be figured into your mortgage payment. The amount of the mortgage insurance premium is a percentage of the loan amount, based on the borrower s loan-to-value (LTV) ratio, loan size, and length of loan:



FHA Loan and Financing Information from, what is a fha loan.#What #is #a #fha #loan


FHA Loans Explained and Delivered

Federal Housing Administration (FHA) Loans have returned to the lending market as a smart option for home financing for first time home buyers and those with less than perfect credit. At FHA Mortgage Center.com, we provide expert resources to consumers through a wealth of information on FHA home financing.

FHA Loans by State

More Information on FHA Mortgages

Choose an FHA Loan and Save Money. Choosing FHA Financing for your home loan can be a wise decision depending on your specific situation. The costs associated with the FHA Loan Program differ from other types of home financing. Benefits may include the following:

  • Smaller down payments
  • Attractive interest rates
  • Allowance of gift funds
  • 6% seller contributions
  • Lower closing costs

All of these benefits mean less money is required from you at the closing table!

By definition, FHA financing is a government-insured loan program that delegates loan approval to approved lenders.

Changes in the Housing Market Make FHA the Right Choice

What is a fha loan

After the fallout of the subprime and Alt-A loan markets in 2007, FHA Loans have received a new shot of energy throughout the housing market. Lenders, realtors, politicians, and investors have all issued statements championing the return of the FHA Home Loan Program to its rightful place in helping Americans purchase homes.

Borrowers like you, who once would have been better off in a conventional mortgage, may now find a FHA Home Loan to be the cheapest and safest option for securing a home.

FHA Resources

No matter what program you decide to use for your home loan, the basic terminology is something all home buyers need to be familiar with. You can use our new FHA Loan Term Glossary to learn and become comfortable with the financial terminology you will encounter with any home loan.

NOT a Government Agency

FHA Mortgage Center.com is not affiliated with any government agencies, including the FHA (Federal Housing Administration) or the HUD (Department of Housing and Urban Development).

FHA Mortgage Center.com Blog

Latest Articles

What is a fha loan



What is an FHA Loan? Complete Guide to FHA Loans, Zillow, what is a fha loan.#What #is #a #fha #loan


What is an FHA Loan? – The Complete Consumer Guide

In this article:

An FHA loan is a mortgage that’s insured by the Federal Housing Administration (FHA). They are popular especially among first time home buyers because they allow down payments of 3.5% for credit scores of 580+. However, borrowers must pay mortgage insurance premiums, which protects the lender if a borrower defaults.

Borrowers can qualify for an FHA loan with a down payment as little as 3.5% for a credit score of 580 or higher. The borrower s credit score can be between 500 579 if a 10% down payment is made. It s important to remember though, that the lower the credit score, the higher the interest borrowers will receive.

The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable for people with less than stellar credit or a low down payment. Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.

FHA Loan Requirements

For borrowers interested in buying a home with an FHA loan with the low down payment amount of 3.5%, applicants must have a minimum FICO score of 580 to qualify. However, having a credit score that’s lower than 580 doesn’t necessarily exclude you from FHA loan eligibility. You just need to have a minimum down payment of 10%.

The credit score and down payment amounts are just two of the requirements of FHA loans. Here’s a complete list of FHA loan requirements, which are set by the Federal Housing Authority:

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money can be gifted by a family member.
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers back-end ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent. FHA-qualified lenders will use a case-by-case basis to determine an applicants credit worthiness.
  • Typically borrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made if you are out of bankruptcy for more than one year if there were extenuating circumstances beyond your control that caused the bankruptcy and you ve managed your money in a responsible manner.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit. Exceptions can be made if there were extenuating circumstances and you ve improved your credit. If you were unable to sell your home because you had to move to a new area, this does not qualify as an exception to the three-year foreclosure guideline.
  • The property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).

See today s rates for FHA loans on Zillow What is a fha loan

Benefits of FHA Loans: Low Down Payments and Less Strict Credit Score Requirements

Typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. For FHA loans, down payment of 3.5 percent is required for maximum financing. Borrowers with credit scores as low as 500 can qualify for an FHA loan.

Borrowers who cannot afford a 20 percent down payment, have a lower credit score, or can’t get approved for private mortgage insurance should look into whether an FHA loan is the best option for their personal scenario.

Another advantage of an FHA loan it is an assumable mortgage which means if you want to sell your home, the buyer can “assume” the loan you have. People who have low or bad credit, have undergone a bankruptcy or have been foreclosed upon may be able to still qualify for an FHA loan.

Mortgage Insurance is Required for an FHA Loan

You knew there had to be a catch, and here it is: Because an FHA loan does not have the strict standards of a conventional loan, it requires two kinds of mortgage insurance premiums: one is paid in full upfront -– or, it can be financed into the mortgage –- and the other is a monthly payment. Also, FHA loans require that the house meet certain conditions and must be appraised by an FHA-approved appraiser.

Upfront mortgage insurance premium (UFMIP) — Appropriately named, this is a one-time upfront monthly premium payment, which means borrowers will pay a premium of 1.75% of the home loan, regardless of their credit score. Example: $300,000 loan x 1.75% = $5,250. This sum can be paid upfront at closing as part of the settlement charges or can be rolled into the mortgage.

Annual MIP (charged monthly) — Called an annual premium, this is actually a monthly charge that will be figured into your mortgage payment. The amount of the mortgage insurance premium is a percentage of the loan amount, based on the borrower s loan-to-value (LTV) ratio, loan size, and length of loan:



FHA Loan and Financing Information from, what is a fha loan.#What #is #a #fha #loan


FHA Loans Explained and Delivered

Federal Housing Administration (FHA) Loans have returned to the lending market as a smart option for home financing for first time home buyers and those with less than perfect credit. At FHA Mortgage Center.com, we provide expert resources to consumers through a wealth of information on FHA home financing.

FHA Loans by State

More Information on FHA Mortgages

Choose an FHA Loan and Save Money. Choosing FHA Financing for your home loan can be a wise decision depending on your specific situation. The costs associated with the FHA Loan Program differ from other types of home financing. Benefits may include the following:

  • Smaller down payments
  • Attractive interest rates
  • Allowance of gift funds
  • 6% seller contributions
  • Lower closing costs

All of these benefits mean less money is required from you at the closing table!

By definition, FHA financing is a government-insured loan program that delegates loan approval to approved lenders.

Changes in the Housing Market Make FHA the Right Choice

What is a fha loan

After the fallout of the subprime and Alt-A loan markets in 2007, FHA Loans have received a new shot of energy throughout the housing market. Lenders, realtors, politicians, and investors have all issued statements championing the return of the FHA Home Loan Program to its rightful place in helping Americans purchase homes.

Borrowers like you, who once would have been better off in a conventional mortgage, may now find a FHA Home Loan to be the cheapest and safest option for securing a home.

FHA Resources

No matter what program you decide to use for your home loan, the basic terminology is something all home buyers need to be familiar with. You can use our new FHA Loan Term Glossary to learn and become comfortable with the financial terminology you will encounter with any home loan.

NOT a Government Agency

FHA Mortgage Center.com is not affiliated with any government agencies, including the FHA (Federal Housing Administration) or the HUD (Department of Housing and Urban Development).

FHA Mortgage Center.com Blog

Latest Articles

What is a fha loan



What is an FHA Loan? Complete Guide to FHA Loans, Zillow, what is an fha loan.#What #is #an #fha #loan


What is an FHA Loan? – The Complete Consumer Guide

In this article:

An FHA loan is a mortgage that’s insured by the Federal Housing Administration (FHA). They are popular especially among first time home buyers because they allow down payments of 3.5% for credit scores of 580+. However, borrowers must pay mortgage insurance premiums, which protects the lender if a borrower defaults.

Borrowers can qualify for an FHA loan with a down payment as little as 3.5% for a credit score of 580 or higher. The borrower s credit score can be between 500 579 if a 10% down payment is made. It s important to remember though, that the lower the credit score, the higher the interest borrowers will receive.

The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable for people with less than stellar credit or a low down payment. Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.

FHA Loan Requirements

For borrowers interested in buying a home with an FHA loan with the low down payment amount of 3.5%, applicants must have a minimum FICO score of 580 to qualify. However, having a credit score that’s lower than 580 doesn’t necessarily exclude you from FHA loan eligibility. You just need to have a minimum down payment of 10%.

The credit score and down payment amounts are just two of the requirements of FHA loans. Here’s a complete list of FHA loan requirements, which are set by the Federal Housing Authority:

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money can be gifted by a family member.
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers back-end ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent. FHA-qualified lenders will use a case-by-case basis to determine an applicants credit worthiness.
  • Typically borrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made if you are out of bankruptcy for more than one year if there were extenuating circumstances beyond your control that caused the bankruptcy and you ve managed your money in a responsible manner.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit. Exceptions can be made if there were extenuating circumstances and you ve improved your credit. If you were unable to sell your home because you had to move to a new area, this does not qualify as an exception to the three-year foreclosure guideline.
  • The property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).

See today s rates for FHA loans on Zillow What is an fha loan

Benefits of FHA Loans: Low Down Payments and Less Strict Credit Score Requirements

Typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. For FHA loans, down payment of 3.5 percent is required for maximum financing. Borrowers with credit scores as low as 500 can qualify for an FHA loan.

Borrowers who cannot afford a 20 percent down payment, have a lower credit score, or can’t get approved for private mortgage insurance should look into whether an FHA loan is the best option for their personal scenario.

Another advantage of an FHA loan it is an assumable mortgage which means if you want to sell your home, the buyer can “assume” the loan you have. People who have low or bad credit, have undergone a bankruptcy or have been foreclosed upon may be able to still qualify for an FHA loan.

Mortgage Insurance is Required for an FHA Loan

You knew there had to be a catch, and here it is: Because an FHA loan does not have the strict standards of a conventional loan, it requires two kinds of mortgage insurance premiums: one is paid in full upfront -– or, it can be financed into the mortgage –- and the other is a monthly payment. Also, FHA loans require that the house meet certain conditions and must be appraised by an FHA-approved appraiser.

Upfront mortgage insurance premium (UFMIP) — Appropriately named, this is a one-time upfront monthly premium payment, which means borrowers will pay a premium of 1.75% of the home loan, regardless of their credit score. Example: $300,000 loan x 1.75% = $5,250. This sum can be paid upfront at closing as part of the settlement charges or can be rolled into the mortgage.

Annual MIP (charged monthly) — Called an annual premium, this is actually a monthly charge that will be figured into your mortgage payment. The amount of the mortgage insurance premium is a percentage of the loan amount, based on the borrower s loan-to-value (LTV) ratio, loan size, and length of loan:



What is an FHA Loan? Complete Guide to FHA Loans, Zillow, what is an fha loan.#What #is #an #fha #loan


What is an FHA Loan? – The Complete Consumer Guide

In this article:

An FHA loan is a mortgage that’s insured by the Federal Housing Administration (FHA). They are popular especially among first time home buyers because they allow down payments of 3.5% for credit scores of 580+. However, borrowers must pay mortgage insurance premiums, which protects the lender if a borrower defaults.

Borrowers can qualify for an FHA loan with a down payment as little as 3.5% for a credit score of 580 or higher. The borrower s credit score can be between 500 579 if a 10% down payment is made. It s important to remember though, that the lower the credit score, the higher the interest borrowers will receive.

The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable for people with less than stellar credit or a low down payment. Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.

FHA Loan Requirements

For borrowers interested in buying a home with an FHA loan with the low down payment amount of 3.5%, applicants must have a minimum FICO score of 580 to qualify. However, having a credit score that’s lower than 580 doesn’t necessarily exclude you from FHA loan eligibility. You just need to have a minimum down payment of 10%.

The credit score and down payment amounts are just two of the requirements of FHA loans. Here’s a complete list of FHA loan requirements, which are set by the Federal Housing Authority:

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money can be gifted by a family member.
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers back-end ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent. FHA-qualified lenders will use a case-by-case basis to determine an applicants credit worthiness.
  • Typically borrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made if you are out of bankruptcy for more than one year if there were extenuating circumstances beyond your control that caused the bankruptcy and you ve managed your money in a responsible manner.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit. Exceptions can be made if there were extenuating circumstances and you ve improved your credit. If you were unable to sell your home because you had to move to a new area, this does not qualify as an exception to the three-year foreclosure guideline.
  • The property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).

See today s rates for FHA loans on Zillow What is an fha loan

Benefits of FHA Loans: Low Down Payments and Less Strict Credit Score Requirements

Typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. For FHA loans, down payment of 3.5 percent is required for maximum financing. Borrowers with credit scores as low as 500 can qualify for an FHA loan.

Borrowers who cannot afford a 20 percent down payment, have a lower credit score, or can’t get approved for private mortgage insurance should look into whether an FHA loan is the best option for their personal scenario.

Another advantage of an FHA loan it is an assumable mortgage which means if you want to sell your home, the buyer can “assume” the loan you have. People who have low or bad credit, have undergone a bankruptcy or have been foreclosed upon may be able to still qualify for an FHA loan.

Mortgage Insurance is Required for an FHA Loan

You knew there had to be a catch, and here it is: Because an FHA loan does not have the strict standards of a conventional loan, it requires two kinds of mortgage insurance premiums: one is paid in full upfront -– or, it can be financed into the mortgage –- and the other is a monthly payment. Also, FHA loans require that the house meet certain conditions and must be appraised by an FHA-approved appraiser.

Upfront mortgage insurance premium (UFMIP) — Appropriately named, this is a one-time upfront monthly premium payment, which means borrowers will pay a premium of 1.75% of the home loan, regardless of their credit score. Example: $300,000 loan x 1.75% = $5,250. This sum can be paid upfront at closing as part of the settlement charges or can be rolled into the mortgage.

Annual MIP (charged monthly) — Called an annual premium, this is actually a monthly charge that will be figured into your mortgage payment. The amount of the mortgage insurance premium is a percentage of the loan amount, based on the borrower s loan-to-value (LTV) ratio, loan size, and length of loan:



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FHA Loan and Financing Information from, what is an fha loan.#What #is #an #fha #loan


FHA Loans Explained and Delivered

Federal Housing Administration (FHA) Loans have returned to the lending market as a smart option for home financing for first time home buyers and those with less than perfect credit. At FHA Mortgage Center.com, we provide expert resources to consumers through a wealth of information on FHA home financing.

FHA Loans by State

More Information on FHA Mortgages

Choose an FHA Loan and Save Money. Choosing FHA Financing for your home loan can be a wise decision depending on your specific situation. The costs associated with the FHA Loan Program differ from other types of home financing. Benefits may include the following:

  • Smaller down payments
  • Attractive interest rates
  • Allowance of gift funds
  • 6% seller contributions
  • Lower closing costs

All of these benefits mean less money is required from you at the closing table!

By definition, FHA financing is a government-insured loan program that delegates loan approval to approved lenders.

Changes in the Housing Market Make FHA the Right Choice

What is an fha loan

After the fallout of the subprime and Alt-A loan markets in 2007, FHA Loans have received a new shot of energy throughout the housing market. Lenders, realtors, politicians, and investors have all issued statements championing the return of the FHA Home Loan Program to its rightful place in helping Americans purchase homes.

Borrowers like you, who once would have been better off in a conventional mortgage, may now find a FHA Home Loan to be the cheapest and safest option for securing a home.

FHA Resources

No matter what program you decide to use for your home loan, the basic terminology is something all home buyers need to be familiar with. You can use our new FHA Loan Term Glossary to learn and become comfortable with the financial terminology you will encounter with any home loan.

NOT a Government Agency

FHA Mortgage Center.com is not affiliated with any government agencies, including the FHA (Federal Housing Administration) or the HUD (Department of Housing and Urban Development).

FHA Mortgage Center.com Blog

Latest Articles

What is an fha loan



FHA Loan and Financing Information from, what is fha loan.#What #is #fha #loan


FHA Loans Explained and Delivered

Federal Housing Administration (FHA) Loans have returned to the lending market as a smart option for home financing for first time home buyers and those with less than perfect credit. At FHA Mortgage Center.com, we provide expert resources to consumers through a wealth of information on FHA home financing.

FHA Loans by State

More Information on FHA Mortgages

Choose an FHA Loan and Save Money. Choosing FHA Financing for your home loan can be a wise decision depending on your specific situation. The costs associated with the FHA Loan Program differ from other types of home financing. Benefits may include the following:

  • Smaller down payments
  • Attractive interest rates
  • Allowance of gift funds
  • 6% seller contributions
  • Lower closing costs

All of these benefits mean less money is required from you at the closing table!

By definition, FHA financing is a government-insured loan program that delegates loan approval to approved lenders.

Changes in the Housing Market Make FHA the Right Choice

What is fha loan

After the fallout of the subprime and Alt-A loan markets in 2007, FHA Loans have received a new shot of energy throughout the housing market. Lenders, realtors, politicians, and investors have all issued statements championing the return of the FHA Home Loan Program to its rightful place in helping Americans purchase homes.

Borrowers like you, who once would have been better off in a conventional mortgage, may now find a FHA Home Loan to be the cheapest and safest option for securing a home.

FHA Resources

No matter what program you decide to use for your home loan, the basic terminology is something all home buyers need to be familiar with. You can use our new FHA Loan Term Glossary to learn and become comfortable with the financial terminology you will encounter with any home loan.

NOT a Government Agency

FHA Mortgage Center.com is not affiliated with any government agencies, including the FHA (Federal Housing Administration) or the HUD (Department of Housing and Urban Development).

FHA Mortgage Center.com Blog

Latest Articles

What is fha loan



What is an FHA Loan? Complete Guide to FHA Loans, Zillow, what is fha loan.#What #is #fha #loan


What is an FHA Loan? – The Complete Consumer Guide

In this article:

An FHA loan is a mortgage that’s insured by the Federal Housing Administration (FHA). They are popular especially among first time home buyers because they allow down payments of 3.5% for credit scores of 580+. However, borrowers must pay mortgage insurance premiums, which protects the lender if a borrower defaults.

Borrowers can qualify for an FHA loan with a down payment as little as 3.5% for a credit score of 580 or higher. The borrower s credit score can be between 500 579 if a 10% down payment is made. It s important to remember though, that the lower the credit score, the higher the interest borrowers will receive.

The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable for people with less than stellar credit or a low down payment. Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.

FHA Loan Requirements

For borrowers interested in buying a home with an FHA loan with the low down payment amount of 3.5%, applicants must have a minimum FICO score of 580 to qualify. However, having a credit score that’s lower than 580 doesn’t necessarily exclude you from FHA loan eligibility. You just need to have a minimum down payment of 10%.

The credit score and down payment amounts are just two of the requirements of FHA loans. Here’s a complete list of FHA loan requirements, which are set by the Federal Housing Authority:

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money can be gifted by a family member.
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers back-end ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent. FHA-qualified lenders will use a case-by-case basis to determine an applicants credit worthiness.
  • Typically borrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made if you are out of bankruptcy for more than one year if there were extenuating circumstances beyond your control that caused the bankruptcy and you ve managed your money in a responsible manner.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit. Exceptions can be made if there were extenuating circumstances and you ve improved your credit. If you were unable to sell your home because you had to move to a new area, this does not qualify as an exception to the three-year foreclosure guideline.
  • The property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).

See today s rates for FHA loans on Zillow What is fha loan

Benefits of FHA Loans: Low Down Payments and Less Strict Credit Score Requirements

Typically an FHA loan is one of the easiest types of mortgage loans to qualify for because it requires a low down payment and you can have less-than-perfect credit. For FHA loans, down payment of 3.5 percent is required for maximum financing. Borrowers with credit scores as low as 500 can qualify for an FHA loan.

Borrowers who cannot afford a 20 percent down payment, have a lower credit score, or can’t get approved for private mortgage insurance should look into whether an FHA loan is the best option for their personal scenario.

Another advantage of an FHA loan it is an assumable mortgage which means if you want to sell your home, the buyer can “assume” the loan you have. People who have low or bad credit, have undergone a bankruptcy or have been foreclosed upon may be able to still qualify for an FHA loan.

Mortgage Insurance is Required for an FHA Loan

You knew there had to be a catch, and here it is: Because an FHA loan does not have the strict standards of a conventional loan, it requires two kinds of mortgage insurance premiums: one is paid in full upfront -– or, it can be financed into the mortgage –- and the other is a monthly payment. Also, FHA loans require that the house meet certain conditions and must be appraised by an FHA-approved appraiser.

Upfront mortgage insurance premium (UFMIP) — Appropriately named, this is a one-time upfront monthly premium payment, which means borrowers will pay a premium of 1.75% of the home loan, regardless of their credit score. Example: $300,000 loan x 1.75% = $5,250. This sum can be paid upfront at closing as part of the settlement charges or can be rolled into the mortgage.

Annual MIP (charged monthly) — Called an annual premium, this is actually a monthly charge that will be figured into your mortgage payment. The amount of the mortgage insurance premium is a percentage of the loan amount, based on the borrower s loan-to-value (LTV) ratio, loan size, and length of loan:



Is a bridging loan the right solution for our homebuying needs? #free #mortgage #calculator


#bridging loan calculator
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Is a bridging loan the right solution for our homebuying needs?

Q We own a property outright valued between 475,000 and 495,000, but it does not have the accommodation we require. We have seen another nearby that would be almost ideal for our needs once it was extended and modernised. The asking price is 300,000, but I think an offer of 280,000 would be accepted. I estimate the cost of extending and modernising would be around 60,000- 70,000.

My wife is 64 and retired. I am 63 this year and partially disabled, but I work part time as a director and co-owner of a small business. Our combined income is a very modest 20,000- 24,000. I have occupational pensions with a total pot value of 85,000 that could be taken now, and we have 25,000 in equity Isas, 7,000 in cash Isas and 5,000 in savings. My state pension is payable from 2014 and is presently estimated to be in excess of 9,000 a year.

I think we could finance this project with a bridging loan of up to 350,000, that we would require for a period of up to nine months. We are fortunate our present home is in a very desirable location and our local estate agents all confident it would sell quickly once marketed, and would achieve the upper end of the valuation.

Do you think a bridging loan is a feasible and cost-effective source of finance, and if so can you recommend any lenders? Alternatively, what other sources of funding could you suggest? JJ

A Because lenders consider your personal circumstances less important than when considering a conventional residential mortgage, a bridging loan is certainly feasible for you – but it’s hardly cost effective.

Costs vary from lender to lender but are likely to include an arrangement fee of 1.5%, legal fees and interest on the loan, which could be anything between 1% and 2% a month – so between 12% and 24% a year.

In your case, if you raised a bridging loan of 350,000 (assuming a purchase price of 280,000 plus 70,000 for building works) secured on your current home (assuming a value of 475,000), you could pay an arrangement fee of 5,250 plus that amount in interest for each of the nine months you would have the loan. In total, the fees plus interest would come to 52,500.

You could cut the cost of the loan by using both properties as security for the loan. But even then you would pay a total of nearly 29,000 in fees and monthly interest. I can’t help feeling you would be better off selling your current home, buying the new property outright with cash and renting somewhere to live while the building work is done.



Is a guarantor loan right for you? #unsecured #debt #consolidation #loans


#guarantor loans
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Is a guarantor loan right for you?

    Thursday 8 May 2014 17:22 BST

If you don’t have much of a credit history or you have bad credit, getting a loan can be difficult. You’ll either struggle to get a loan in the first place, or you’ll end up paying such a high rate of interest, you could easily land yourself with serious debt issues. Quite recently a new type of loan has been introduced in the UK. A guarantor loan allows you to take out a loan, where a second person acts a guarantor.

Below is a quick and easy guide to the most common questions regarding guarantor loans.

What is a guarantor loan?

Guarantor loans are unsecured loans that require a second person to act as a guarantor. Guarantor loans can be over terms of one to five years and you can borrow anywhere between £1,000 to £7,500. They offer an ideal solution for people with bad credit, who would otherwise be unable to obtain a loan. Guarantor loans are not payday loans, the interest is much lower and you will not be charged any up front or arrangement fees.

Is a guarantor loan right for me?

If you have a bad credit history or have been rejected by other lenders, then guarantor loans could be the right choice for you. A guarantor loan also allows you to borrow a higher sum than you would be able to with other types of loans targeting people with poor credit. It’s also possible to rebuild your credit history by demonstrating that you are a responsible borrower and are able to make the repayments on time.

How can I apply for a guarantor loan?

Firstly like all loan applications, you must be over 18 years old and have a UK bank account where the repayments can be collected. You will still need to show that you can afford the repayments and that you are capable of paying the loan back in a timely fashion.

Who can act as a guarantor for me?

Almost anyone can act as your guarantor, as long as they are not financially linked to you (i.e. spouse). A guarantor could be a family member, friend or even work colleague. For your guarantor to be accepted they will usually need to be over 21 with a good credit history and also be a UK home owner. Checks on your guarantor are usually identical to normal credit checks – they will need to provide bank statements, bank details and proof of ID.

How much interest will I pay?

Interest is more than likely to be higher than a loan where a good credit history is needed. The APR of guarantor loans varies depending on the company, but the APR is usually around 50 per cent. It’s important to remember that although this is relatively high, it does represent the risk undertaken by the lender. You’ll also find that this is one of the lowest APRs available to people with bad credit history. Many other ‘bad credit’ loans, such as payday loans charge APR upwards of 1,000 per cent. Although the APR is higher, a guarantor loan, when paid back on time, is a great way to improve your credit score and improve your overall credit rating.

How do I choose the best guarantor loan?

Several companies have begun offering guarantor loans. The two most important factors to take into consideration are the interest you will pay and any other hidden fees. Guarantor loans from www.gbploans.com offer some of the most competitive rates currently available and they are also very up-front about everything. There are no hidden fees or extra charges throughout the period of your loan.

A guarantor loan isn’t for everyone, but if you credit history is poor and you’re in need of some extra cash, they can be a great solution.

Hugh Tyzack is founder and managing director of GBP Loans Limited, which was formed in 2008. GBP Loans specialises in no fee guarantor loans. GBP Loans has been a driving force in trying to eradicate bogus fee charging and is now one of the UK’s biggest providers.



Is Peer-to-Peer Lending Safe? #same #day #loan


#peer to peer loans
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Is Peer-to-Peer Lending Safe?

By NerdWallet. June 04, 2014, 01:06:49 PM EDT

Peer-to-peer lending. or P2P lending, took off in the mid-2000s at a time when many borrowers were growing frustrated with mainstream financial institutions’ dominance of the loan process. Unlike more traditional lending practices, P2P lending provides the potential for greater returns for investors and lower interest rates for borrowers. both of which have helped make this alternate way of lending increasingly popular.

The success of Lending Club and Prosper, P2P lending platforms that pair up borrowers with investors, has also bolstered the growth of P2P lending. Lending Club started in 2007 and made loans worth $3.5 million in its first year. That figure has since grown to $3.4 billion. While this explosive growth suggests that many investors think P2P lending is a perfectly safe alternative to more traditional forms of investing, there are undeniable risks.

Unlike government-backed loans, for example, P2P loans are not insured. Moreover, Prosper faced serious legal issues in 2008, when the Securities and Exchange Commission issued a cease and desist order against the company, claiming it was selling unregistered securities. Just one year later, Prosper rebooted its business after securing SEC registration for its loans, something all P2P lending platforms are now required to do. Apart from a now-settled lawsuit stemming from a group of disgruntled investors. Prosper has since steered clear of any legal issues, and recently received an A+ rating from the Better Business Bureau .

While these new regulations have gone a long way towards addressing consumer concern about P2P lending, it’s still important to minimize the risks associated with this type of investing. Prudent steps include diversifying your investment mix.

How does it work?

Lending platforms like Lending Club and Prosper have quickly become popular and reliable ways of doing P2P lending. These websites simplify the process and do a lot of the work for you, like bookkeeping and transferring the funds in question, without charging as much as banks. After signing up with the website, borrowers essentially just select a loan amount (up to $35,000 if you’re using Lending Club) and describe where this money is going before posting a listing to the website.

Investors, meanwhile, sort through these listings and invest in whatever they think will fetch the biggest returns. Borrowers make monthly payments, which investors receive a portion of.

Because loans are uninsured, default can be especially painful for investors. For some, this risk is worth it, as returns can be substantial. Conservative, five-year U.S. Treasury notes usually yield 0.9%, while four-year corporate bonds can yield up to 7.33%. In comparison, a three-year loan rated B1 by Lending Club (on an A through G scale), can yield 10%.

Minimizing risk

P2P lending can be as safe as you make it. For those new to P2P lending, experts suggest starting conservatively and also diversifying your investments. In other words, don’t lend all your money to one borrower. Instead, hedge your bets by lending just a bit of money to many borrowers. This is the best way to protect yourself against one devastating default, according to most experts. You can opt to invest in only a portion of a borrower’s request on Lending Club or Prosper. The straightforward logic behind this is that it’s unlikely that all of these borrowers would default on their loans.

Prosper claims that, since 2009, investors with 100 or more loans in their portfolio have never lost money. Moreover, rather than having P2P investments serve as the main source of your income, experts recommend that they constitute just a fraction of your larger investment portfolio.

Background checks serve as another security blanket: websites like Lending Club perform background checks on borrowers, which eliminate a lot of the mystery associated with lending money to someone you’ve never met before. You’ll know the credit score of whomever you are lending money to, along with other pertinent facts about their financial background.

Final thoughts

Thanks to the success of lending platforms like Lending Club and Prosper, similar websites are proliferating quickly. and thus continue to give borrowers and investors plenty of ways to conduct loans and investments. What’s more, several big players have given P2P lending a major endorsement. Just last year Google (GOOG ) invested $125 million in Lending Club. A few months after that announcement, Prosper received a $25 million investment from Sequoia Capital and BlackRock (BLK ).

A lot of money – and therefore trust – has been placed in the P2P lending model, which can be a great addition to your investment portfolio if you diversify your investments and practice the same good judgment you would when making any other important business decision.

Tony Armstrong is a staff writer at NerdWallet, a website devoted to helping consumers make smart financial decisions.



Is There Any Benefit to Refinancing My Car? #simple #loan #calculator


#refinancing car loan
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Is There Any Benefit to Refinancing My Car?

Many people wonder whether or not it is beneficial to refinance my car loan. The simple answer is yes. Refinancing can save you hundreds, maybe even thousands over the life of your auto loan. The point of refinancing is so that you can get a better interest rate on your loan.

Lowering your interest rate by even one single percentage point can result in huge savings. Remember, car loans are normally more than three to six years in term length and all those months of interest add up. Here is the process you should follow to go about refinancing your car.

Meet With Your Current Lender

You should first get all of your necessary paperwork together. This includes your insurance, title papers, and any information regarding the car.

Next, you should meet with your current lender to talk about your loan. Don t start discussing better rates with them instead, talk about the amount you need to pay off your loan completely. It probably won t be the same as the total amount you owe. It can be less for paying it off early however there may be prepayment penalties.

Credit Score

Getting a better refinance rate is all about your credit score. Chances are, if you are paying a higher interest rate than the current market, it was because your credit score was less than stellar initially. You should check your credit score using sites such as Experian or TransUnion. You can have one free check per year that will not deduct points from your score. If your credit score is better than it was when you signed the loan, refinancing will definitely get you a better rate.

When you start the refinancing, it adds and subtracts what is called a trade line from your credit. Whenever a loan is refinanced, there is one lender that is being paid off in full and then another one comes into the picture with a new hold on the car. This change is noted on your credit, but it has no negative impact. All credit lines on your credit report will be updated on a monthly basis. This gives the rating agencies an idea on how you might be taking care of your debt load.

Benefits of Refinancing

Another reason you may want to refinance your car is raise yourself above other forms of credit. Once you have equity in your car, you can structure a new loan so the finance company will give you a check to use to pay off credit cards or make an extra payment or two on your house. Since interest rates on credit cards are so much higher than on car loans, it is very advantageous eliminate credit card debt as quickly as possible.

Sometimes lenders offer other types of incentives for opening a new loan with them. This can be an offer to make a payment for you or allowing you to skip a payment, without falling behind in your payments. This can be very helpful when you have a need to make repairs to your house or another car. You could even apply the money you save to the loan and have one less month to make payments or use the money towards a vacation or back to school needs.

Possible Problems with Refinancing

If the new company fails to pay off the entire amount of the old loan then your credit is at risk. Though widely uncommon, if you are not aware of this and the old loan is neglected, it will go into default and your credit will suffer accordingly.

Of course, the biggest effect on your credit is if you fail to pay the new loan and default on it. This will always have an adverse effect on your credit and immediately lower your credit score with rating agencies.

Research Quotes

Next, you should shop around for various vendors to find any better rates. You can use an auto loan refinance calculator to also help you figure out what your new loans would be fairly quickly. Other quotes will break it down for you and can usually be done online and within an hour. These quotes are sometimes inaccurate, so it helps to talk to a lender or even have an appointment with one. You will then need to transfer the title to the new lender and pay the small transfer fee.

In summary, refinancing your car loan is a great idea. Refinancing allows you to trade in your current loan for a new loan with another lender, but with a lower interest rate. This can save you lots of money over the life of the loan.



How much help is available? #school #loan


#loan consolidation
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Loan Consolidation

ATTENTION STUDENTS WITH OUTSTANDING STUDENT LOAN DEBT:

  • Learn what you can do now to save money during repayment.
  • Timing and effective communication with your Loan Servicer is key!

If you don t remember who your Loan Servicer is, don t know your debt balance, or want to review your student loan status, use your SSN, first two digits of your last name, your date of birth and your federal PIN at www.nslds.ed.gov to access your student loan information. If you need assistance accessing your loan records, contact Rogue Central Services .

Loan consolidation allows you to refinance any or all eligible outstanding federal student loans and create a single new loan with one monthly payment. The new loan will have a fixed interest rate, new terms, and may have an extended repayment period of up to 30 years.

Loan consolidation allows you to refinance any or all eligible outstanding federal student loans and create a single new loan with one monthly payment. The new loan will have a fixed interest rate, new terms, and may have an extended repayment period of up to 30 years.

Both the Federal Family Education Loan (FFEL) Program and the Direct Loan Program offer consolidation loans. FFEL Consolidation loans are available from participating Loan Servicers, and Direct consolidation loans are available from the federal government. Alternative consolidation options are also available through private Loan Servicers. However, benefits, repayment options and application procedures vary.

The following information pertains to the FFEL Consolidation loan process. For more information about the Direct Consolidation loan processes, visit www.loanconsolidation.ed.gov .

Consolidation loans are not for everyone. Several elements generate advantages and disadvantages that relate to your current and potential consolidation loan.

Before choosing loan consolidation, review all your options to be sure it’s the right choice for you.

Who is eligible for loan consolidation?

To be eligible for loan consolidation under the FFEL Program, you must agree to the terms and conditions listed on the Application and Promissory Note, which include:

  • You are not enrolled in school, or you are enrolled on a less than half-time basis.
  • You are in the grace period or already in repayment on EACH loan you have chosen to consolidate.
  • If you are in default, you must either make satisfactory repayment arrangements with your current Loan Servicer or agree to repay the consolidating Loan Servicer under an income-sensitive repayment plan.
  • You must agree to notify the Loan Servicer of any address changes.

Spouses may consolidate their eligible loans together.

If I have a direct loan, can I apply for a FFEL consolidation?

Most Loan Servicers will combine Direct and FFEL Program loans. Typically, the Loan Servicer requires the borrower to have at least one underlying FFEL Program loan with them. Some Loan Servicers may consolidate Direct loans for borrowers who have no FFEL Program loans. Check with your current Loan Servicer(s) on individual requirements.

Is there a minimum to consolidate?

Loan Servicers may require a minimum eligible loan amount before creating a new consolidation loan. Because each has specific terms, you should consult with your Loan Servicer prior to consolidating.

*Alternative and non-federally guaranteed loans will not appear on NSLDS. Also HEAL loans and other health professions loans will not appear, but you will want to list these on the worksheet under non-eligible loans.

What If I’m in default?

Even delinquent and defaulted loans may be consolidated. To qualify, you must be in repayment on your defaulted loan (typically three consecutive, voluntary, on-time, full monthly payments), or agree to repay your new consolidation loan under the income-sensitive repayment plan. If you have a court judgment on your federal student loan debt, you cannot consolidate. Contact your Loan Servicer for details.

Will I only have one Consolidation loan?

If you wish to consolidate both subsidized and unsubsidized education loans, your Loan Servicer will create two new consolidation loans in your name — one for each type of loan. Loan Servicers are required to track these loans separately, but will combine both loans for billing purposes; therefore, you will only make one monthly payment.

If I already have a Consolidation loan, may I re-consolidate?

Estimate my new monthly payment under consolidation



Hard Money: What is it and How do Hard Money Loans Work? #calculate #loan #payment


#hard money loans
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Hard Money: What Is It and How Do Hard Money Loans Work?

Most real estate investors hear terms that they don t understand in the beginning. One of these terms, hard money. is little understood, and frequently asked about. Here is a great explanation of hard money.

What Does Everyone Mean by Hard Money? What is Hard Money

Hard money lenders (HMLs) are typically private individuals or small groups that lend money (Hard money) based on the property you are buying, and not on your credit score. Usually these loans cost (percentage-wise) much more then an average mortgage. often times up to twice what a regular mortgage does, plus high origination fees.

Who Needs Hard Money

Developers and house flippers, amongst others, will use it to fund deals because you can often borrow up to 100% of your purchase price! On the other hand, hard money lenders will frequently require you to back up your loan with real assets. If you know you can buy a property and turn it quickly at huge profit, and you can t get a standard mortgage, it might be one way to go. Some investors use hard money to get into the property, do some quick fixes to raise the property value, then get a new loan (based on the property s new, improved value) from a bank to pay off the hard money lender.

In Other Words.

Hard money loans are easily accessed and cut through the red tape. If you can develop a relationship with a LOCAL hard money lender, you can get funds within a couple days, and sometimes with no appraisal or other costs (except for origination fees of course).

Now different HML s have different requirements and protocol. There is a local HML that only charges 12% interest and 1 point origination if you keep it over a year and 2 more points if you keep it less than a year. He only does 30 year notes, and obviously he wants you to keep it. He has over 1100 notes, so he doesn t want the hassle. He wants his money to stay loaned out. I have also worked with another local HML who doesn t charge any points, but he s extremely fickle and can be hard to work with.

Now the typical HML will charge somewhere right around the usury rate. In Texas its 18% annual, so most HML s will charge 5% origination and 13% interest on a 1 year note or no points upfront and 18% interest with a shorter call. Now they can get around usuary by shifting their origination fee into a commitment fee (little different protocol), but most HML s don t know this.

The beauty of HML s is that the loan is normally not based on your credit score (especially with local lenders) or at least not on your credit worthiness (assets and income), you can receive funding within a matter of days (normally about 7-14 days) rather than 30 days+, and you can get a loan on any piece of junk that you find. You also are not normally dealing with a processing team. You deal directly with an individual lender. If he or she says yes, then you have the loan. This is quite advantageous versus going through an entire loan committee process or underwriting process.

HML s on longer term investments are not a good idea, but for short term flips, rehabs, or for the initial purchase, they can be a very strong tool. I started my investing using HML s, and have made very good money using them. I now use mostly a line of credit from the bank, but it took me several years to work into that. I also now do some local hard money loans to other investors.

Thanks to Ryan Webber for his explanation in other words (from our forums )

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Emergency Financial Aid – What it is and Where to Get it #rural #development #loan


#emergency loan
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College Emergency Financial Aid

Are You in Need of Serious Help?

Preparing for college takes serious financial planning. Most students rely on a carefully balanced combination of scholarships, grants, loans and personal savings to meet their college tuition costs. Unfortunately, no amount of planning can guard against every contingency, and there are times when a student s financial circumstances can suddenly change. A major illness, the loss of a job, or a family tragedy can all derail a student s college career. Not only emotionally, but financially.

When financial circumstances take a turn for the worse, many students feel they are left with only one option. Leaving school, and abandoning their dreams of a college education. However, there are financial aid programs available that can help students in difficult circumstances hang on to their college ambitions, and ride out the current financial storm. These emergency financial aid programs exist to help students recover from unexpected financial difficulties, and to avoid the last resort of abandoning a promising college career.

Emergency Financial Aid

Emergency financial aid for college students comes in a variety of forms, and addresses a number of different circumstances. Keep in mind, this is aid for students in extreme circumstances, or in a time of crisis. It does not apply to students who have not adequately planned for their financial needs.

Emergency financial aid may come in the form of short-term loans or grants designed to help students remain in school when the completion of their college education is threatened by financial circumstances that are out of their control. Whether it s a death in the family, a sudden major illness or the loss of reliable income, quitting school may not be the only option.

If you are a college student facing a financial crisis, try not to panic. Remember the importance of your college education, and how hard you have worked to get to where you are. Before you consider quitting school, consider the emergency financial aid opportunities that may be available to you.

How Emergency Student Aid Works

Emergency financial aid can take a variety of forms, including tuition waivers, financial aid advances or small personal loans. These measures are designed to help students avoid an interruption in their college studies due to an unforeseen emergency. The most common situations that may lead to a student s eligibility for emergency financial aid include:

  • a sudden health emergency
  • unexpected loss of income
  • death in the family, or other family emergency
  • rent in arrears, and risk of eviction
  • natural disaster

Emergency aid is only available in extreme circumstances, and students will be expected to meet stringent criteria in order qualify. Typically, applicants must be full-time students, with an acceptable minimum GPA. Students applying for emergency aid will also be required to provide adequate documentation of the crisis leading to their need for emergency funds.

Students considering emergency financial aid should understand that these programs offer limited help. They are only a stop-gap in a crisis, not a secondary form of college funding.

College Resources

Colleges and universities often offer emergency financial aid to students in good standing who are facing an unexpected financial crisis. As with any campus-based financial aid, emergency aid programs will vary from school to school, and will be subject to available funds. Students who have found themselves in extreme circumstances should visit their college s financial aid office to find out what types of emergency aid is currently being offered.

The following examples are typical of the types of campus-based emergency financial aid available to college students in crisis.

  • Ithaca College in New York State offers two forms of emergency aid. Students who are facing a financial shortfall may request an Aid Advance on any expected grant or scholarship payouts. In other words, if a student has scholarship or grant money forthcoming, and will have a credit balance after all tuition fees have been paid, the college may provide an advance on that balance to be used for unexpected expenses.Ithaca also offers the Ebsary Loan for students in extreme circumstances. This is an interest free loan that must be repaid by a specific date, and can not be bundled with any other outstanding student loans.
  • Rackham Graduate School at the University of Michigan offers two emergency aid programs for its resident graduate students. The Rackham Graduate Student Emergency Fund provides up to $2500 in emergency financial aid to students who encounter a crisis situation or unforeseen expense. Applicants must supply a detailed statement describing the nature of the emergency, a budget detailing the amount of funds required, and a letter of support from their department head or the dean of admissions.Rackham Graduate School also administers the Center for the Education of Women Critical Need Grant for undergraduate and graduate students, including parents and returning female students who are faced with unexpected financial challenges.
  • Pasadena City College offers campus-based Short-Term Emergency Loans to its enrolled students. Loans are available for unexpected expenses, books and supplies. Loans are typically processed within 24 48 hours, and must be repaid with 30 days.
  • Austin Community College supports a campus-based Student Emergency Fund for currently enrolled students. Circumstances covered include loss of housing due to natural disaster, sudden significant medical expenses and death in the family. To be eligible, students must have completed at least 15 credit hours, and must have a minimum 2.0 GPA. Maximum awards are $500 per student, and are not renewable.
  • The University of California-Berkeley supports a number of Emergency Loans for both undergraduate and graduate students. These short term loans are available to students in good standing who are faced with sudden, and unforeseen, financial need. Students who meet the stringent eligibility requirements may receive between $775 and $1300 in emergency funds. Loans are interest free, and are due within 60 days of disbursement.

Many colleges and universities will also offer tuition waivers and fee deferments for students who face an unexpected financial crisis. Students are encouraged to contact their college s office of financial aid for details on programs which may benefit them in an emergency situation.

The Dreamkeepers and Angel Fund

The Dreamkeepers and Angel Fund for Emergency Financial Aid is supported by the Lumina Foundation for Education, and is administered at more than 30 community colleges across the country. The program was designed to help students avoid dropping out when faced with unexpected financial difficulties. Situations covered by this program include childcare, healthcare, housing and minor car repairs.

To be eligible for Dreamkeepers Emergency Financial Assistance students must have completed a minimum of 15 credit hours at a participating community college, and must be in good academic standing. Students must submit a statement detailing their need for assistance, and will be expected to provide documentation of their financial need. Students who meet the programs requirements will be eligible for up to $1000 in financial assistance.

The Dreamkeepers and Angel Fund is currently administered at 37 community colleges across the country, and students facing a sudden financial crisis should contact their school s office of financial aid to learn whether or not their college participates in the program.

Private Lender Emergency Loans

As a last resort, students who are facing an unexpected financial crisis may wish to consider a short term loan from a bank or other private lending organization. Short term private loans can help students avoid dropping out of college, and stay on track for graduation. However, as with all private lender loans, students should not enter into any loan agreement lightly. Borrowing from a private lender, even in small amounts, should be a last resort when all other financial aid possibilities have been exhausted. Remember, private lender emergency loans will have higher interest rates than standard student loans, and are likely to have very stringent repayment terms. As always, use caution when considering any private lender loan.

Students faced with a sudden family emergency, or an unexpected financial crisis, may feel that dropping out of college is their only option. However, there are programs in place designed to help students in exactly these circumstances. If you are faced with an unforeseen financial crisis, contact your financial aid adviser and discuss your situation. There may be financial aid assistance available that can help you avoid any unwanted interruption in your college education.



FAQ s About Car Title Loans – What Is a Car Title Loan? #vehicle #loan


#monthly payment loans
#

Low Monthly Payments Include Principal Interest

  1. What is a car title loan?

It is a fast and easy way to get cash against your Clear Texas title.

  • How is the loan amount determined?

    The loan amount is determined by the lender s criteria based on income and the year, make, model, mileage and value of the vehicle. To get an estimate of how much you can get, call us with your vehicle information.

  • When do I receive funds from my loan?

    Funds are available as soon as you are approved and the loan process is completed.

  • How much time does it take to get approved?

    Once your application has been submitted, approval can be obtained within minutes. All you have to do is bring the required paperwork below, fill out the application and once approved, you will complete the loan process and receive your check right away. The whole process from submitting your application to approval and getting your check takes approximately 30 minutes.

  • What paperwork is required?
    • Your ID
    • Social Security Card
    • Most recent paycheck stub less than 30 days old.
    • Any utility bill under your name less than 30 days old.
    • Auto insurance
    • Vehicle title
    • Spare key
    • 5 references (family, friends, or co-workers)
    • car (for inspection and appraisal)
  • What if the car is in my name but my spouse is the one with the income?

    That is not a problem. We can put both of you on the loan as you own the vehicle, but you will be using your spouses income to payoff the loan.

    Yes you can apply online. However once approved, you will need to come to one of our convenient locations with the required paperwork to complete the loan process.

  • Will my employer or references be contacted?

    Yes. Since there is no credit check, employment and references are verified but the purpose of the call is not disclosed because we respect your privacy.

  • Does it matter if I have bad or poor credit?

    No. There is no credit check, however information on the application is verified.

  • What if I have filed bankruptcy or had repossessions?

    It does not matter because we are here to help people obtain credit who have had difficulty in obtaining credit in the past because of their credit history. However, your bankruptcy must be discharged of at least 6 months.

  • What is the interest rate?

    Lender charges interest rate of 10% for the auto title loans.

  • How are the payments set up?

    Payments are made on a monthly basis just like a car note. You are required to make at least the monthly installment due and any additional payments made in any increment is credited to your account.

  • How are my monthly payments applied?

    THESE ARE INSTALLMENT LOANS. Portions of your monthly payment goes to principal and a portion of it goes to interest. If you make your monthly installment payments every month when due, your loan will be paid off at the end of the contract term. THESE LOANS ARE NOT INTEREST ONLY LOANS.

  • How many months can I take to payoff the loan?

    Depending on the loan amount, you can take up to 24 months to pay off the loan.

  • Is there any prepayment penalty?

    No, there is no prepayment penalty.

  • Can I renew or refinance my loan to get additional cash?

    In some cases you may be eligible to renew or refinance to get additional cash. If you wish to get additional cash, please email us at loans(at)advantagefinancellc.com. or call 281-410-5337 to see if you qualify. Your payment history along with other factors will determine the result of your request.



  • How President Obama Is Helping Lower Monthly Student Loan Payments #3 #month #loans


    #student loan payments
    #

    How President Obama Is Helping Lower Monthly Student Loan Payments

    President Obama has made historic investments in making college more affordable for millions of students. But many people who took out loans to pay for their education are struggling to make monthly payments on those loans, making our tough economic times a little bit more challenging. We can t wait to help these people keep up with their student loans.

    Today, the Obama Administration announced steps we are taking to help borrowers better manage their student loan debt by moving forward with a new Pay As You Earn proposal that will reduce monthly payments for more than 1.6 million people. Starting in 2014, borrowers will be able to reduce their monthly student loan payments from 15 percent to 10 percent of their discretionary income. But President Obama realizes that many students need relief sooner than that. The new Pay As You Earn proposal will fast track the initiative to begin next year.

    The questions below will help you understand income based repayment and find out if you are able to take advantage of these changes.

    1. What is income-based loan repayment?

    Income-Based Repayment (IBR) is a repayment plan that caps your required monthly payments on the major types of federal student loans at an amount intended to be affordable based on income and family size. All Stafford, PLUS, and Consolidation Loans made under either the Direct Loan or Federal Family Education Loan programs are eligible to be included in the program. Loans currently in default and Parent PLUS Loans are not eligible for the income-based repayment plan.

    The program lowers monthly payments for borrowers who have high loan debt and modest incomes, but it may increase the length of the loan repayment period, accruing more interest over the life of the loan.

    2. Who qualifies for IBR?

    IBR helps people whose federal student loan debt is high relative to income and family size. While your loan servicer (the company you make your loan payments to) will determine your eligibility, you can use the U.S. Department of Education s IBR calculator to estimate whether you are likely to qualify for the plan. The calculator looks at your income, family size, and state of residence to calculate your IBR monthly payment amount.

    If that amount is lower than the monthly payment you are paying on your eligible loans under a 10-year standard repayment plan, then you are eligible to repay your loans under IBR.

    3. Will my eligibility change if I m married? What if my spouse also has loans?

    If you are married and file a joint federal tax return with your spouse, both your income and your spouse s income are used to calculate your IBR monthly payment amount.

    If you are married and you and your spouse file a joint federal tax return, and if your spouse also has IBR-eligible loans, your spouse s eligible loan debt is combined with yours when determining whether you are eligible for IBR. If the combined monthly amount you and your spouse would pay under IBR is lower than the combined monthly amount you and your spouse are paying under a 10-year standard repayment plan, you and your spouse are eligible for IBR.

    4. How will President Obama s changes help lower my monthly payments though IBR?

    In the 2010 State of the Union. the President proposed and Congress quickly enacted an improved income-based repayment plan that allows student loan borrowers to cap their monthly payments at 15 percent of their discretionary income. Starting July 1, 2014. the IBR plan was scheduled to reduce that limit from 15 percent to 10 percent of discretionary income for all new borrowers.

    The President today announced that recent graduates shouldn t have to wait that long to see lower monthly payments. Pay As You Earn will limit student loan payments to 10 percent of a graduate s income in 2012, rather than having to wait until 2014. This cap will reduce monthly payments for more than 1.6 million borrowers.

    5. How will enrolling in IBR affect my monthly payments compared to the standard repayment plan?

    It depends on your income. But, take for example a nurse who is earning $45,000 and has $60,000 in federal student loans. Under the standard repayment plan, her monthly repayment amount is $690. The currently available IBR plan would reduce her payment by $332, to $358. President Obama s improved Pay As You Earn plan — reducing the cap from 15 percent to 10 percent — will reduce her payment by an additional $119, to a more manageable $239 — a total reduction of $451 a month.

    6. How will enrolling in IBR affect my payments over the life of the loan compared to the standard repayment plan?

    In general, your payments will increase as your income does, but they will never be more than they would have been under the standard 10-year repayment plan. Although lower monthly payments may be better for some borrowers, lower payments may also mean you make payments for longer and the longer it takes to pay your loans, the more interest you pay compared to the standard repayment plan.

    7. Is it possible my payments will be higher under IBR than they would under the standard repayment plan?

    IBR will never cause your payments to increase more than they would have been under the standard repayment plan. It is possible, however, that your income and the size of your outstanding loan balance may mean that IBR is not beneficial to you. If your payments would be higher in IBR than they would be in the standard repayment plan, the IBR option will not be available to you.

    Also, because a reduced monthly payment in IBR generally extends your repayment period, you may pay more total interest over the life of the loan than you would under other repayment plans.

    To sign up for IBR, call your loan servicer. The loan servicer is the company that sends you your monthly student loan bills. If you don t know who your servicer is or would like more information about your loans, such as the balance and interest rates, you can look it up on www.nslds.ed.gov. To see a list of and contact information for common servicers of student loans held by the US Department of Education, you may visit the Loan Servicer page.

    9. How can I find out more?

    Visit www.studentaid.ed.gov or call 1-800-4-FED-AID. You can also learn more about other student loan repayment options and find advice on paying loans off more quickly using the Consumer Finance Protection Bureau s Student Debt Repayment Assistant.

    To find out about other changes to student loan programs, including President Obama s plan to allow borrowers to consolidate Direct Loans and Federal Family Education Loans, click here .

    President Obama also can t wait for Congress to:



    Long-term Car Loan Is A Bad Idea #government #loans


    #long term loans
    #

    Long-term car loan is a bad idea

    Americans are taking on car loans longer than six years more than in the past, according to Experian Automotive, and that’s not the wisest financial choice for many people.

    More On Cars:

    “auto”

    Longer-term car loans are attractive because monthly payments are smaller than on a shorter-term car loan. And, because they allow a car buyer to buy a more expensive car while still making the payment affordable, they can actually make things worse financially.

    When it comes to buying a new car, the longer the car loan, the longer the owner will be ” upside-down” in the loan — where he owes more than the car is worth — unless there’s been a significant down payment. This is because a larger portion of the monthly payments early on in the loan is going toward interest. Being upside-down is dangerous, because if the car owner has a car accident where the car is considered a total loss, he could end up still having to pay off a loan on a car that he can no longer drive.

    In addition, the longer an owner is upside-down in the car loan, the harder it is to have equity in the car, which means that when it is traded in, it may not count for much of a down payment on another car.

    Finally, the longer the car loan, the more interest will be paid over the life of the loan, making the car cost more than a shorter car loan in the long run.

    Even though depreciation is less of an issue with used cars, since a car depreciates the most in its first few years, long-term car loans on used cars aren’t a good idea, either. A used car already has a significant number of miles on it and a longer-term car loan would mean that the car will have higher mileage when it is finally paid off.

    For example, assume that you buy a 3-year-old car with 36,000 miles on it, which is what the average American would drive in that length of time. If you take out a six-year loan and you drive 12,000 miles annually, the average in America, you would add 72,000 miles. This would mean your car would have 108,000 miles on it and would be approaching 10 years old by the time it’s paid off. If you choose to trade it in sooner, you may find it’s not worth much, or worse, that you have no equity at all.

    While the lower monthly payment on a long-term car loan may be appealing at first, it is better for most car buyers to save up some additional cash to increase the down payment or to select a less expensive car so the monthly payment is affordable for a loan that is shorter.

    Get more news, money-saving tips and expert advice by signing up for a free Bankrate newsletter .



    Need your tax refund? Accessing early is costly #online #auto #loans


    #tax loans
    #

    Need your tax refund? Accessing early is costly

    Matt Rourke, AP

    Accessing your tax refund cash early through anticipation loans can be costly.

    Accessing your tax refund cash early through anticipation loans can be costly. less

    You have a stack of tax paperwork, but lack the time or knowledge to figure things out. There’s a tax preparation joint nearby offering to do the work for you and simply deduct the cost of the preparation service (plus a fee) from your anticipated return.

    The plan sounds logical if you’re a cash-strapped consumer. But the reality is that steep fees associated with tapping your tax refund early can take a big bite out of your wallet.

    “It’s quite expensive, when you think about it,” said Chi Chi Wu, staff attorney for the non-profit National Consumer Law Center. “At $30 to defer payment of about $200 for 20 days, you’re talking a triple-digit APR.”

    If you’re curious, the example above is actually a 273.75% annual percentage rate. That’s a big price to pay simply for the luxury of not paying your tax preparer out of your pocket upfront and deferring costs for just a few weeks.

    Even more costly can be refund anticipation loans. which are similar to payday loans and advance taxpayers their refund a few weeks before the IRS actually cuts the check … for a hefty fee, of course.

    Wu notes that while federally regulated banks have been forced out of the refund anticipation loan business thanks to recent reforms, the practice itself is not illegal. As a result, “fringe banks” and payday lenders that don’t fall under traditional bank regulations may still be offering these products at considerable expense to customers.

    The only practical constraint until oversight is expanded, she said, is how much money these non-traditional lenders have to work with.

    “If you want to do 100,000 refund anticipation loans at around $1,500, you’re talking $150 million in capital in a short window,” Wu said. “That’s a big capital hurdle. But there’s technically no regulation saying (the loans) are illegal.”

    Allowing a tax preparer to take a cut of your tax return for either preparation costs or to subsidize a loan is almost always a bad idea. So who exactly is willing to shoulder the huge fees to access their tax refund early via these methods? The answer is, unfortunately, the poor and the desperate.

    A 2010 report from the U.S. Treasury Department states that most of the taxpayers using these products are from low-income households – particularly those who qualify for the Earned Income Tax Credit. a roughly $50 billion tax policy meant to benefit the working poor.

    In other words, these kind of expensive tax return schemes target those who need the money just to keep their heads above water.

    Thankfully, there are options out there for cash-strapped taxpayers.

    The IRS Volunteer Income Tax Assistance (VITA) and the AARP-sponsored tax counseling for the elderly both provide free tax help for taxpayers who qualify. Volunteers who are familiar with the tax code and the unique situations facing low-income Americans are there to help, free of charge. That means there’s no need to let someone take a cut of your return just because you can’t pay them upfront for preparation.

    There are thousands of VITA sites in operation nationwide right now, and you can find a location using the VITA Locator Tool online or by calling 800-906-9887. The AARP Foundation’s Tax Aide also has an online locator tool. and a toll-free help line at 888-227-7669 to connect you with help near your home.

    For those who are desperate and not just impatient for a tax refund, even then there are options. There are small loans from a bank, particularly a credit union since these institutions have a long history of allowing short-term borrowing of small sums.

    And most communities have non-profit credit counselors who can help you develop a budget and manage your debt instead of just using short-term fixes such as a payday loan or refund anticipation loan. Heck, a credit counselor may even be able to help you figure out how to use your refund to actually start building up some savings as well as pay the bills.

    The bottom line is that free tax preparation and counseling resources provide a great alternative to forfeiting a portion of your refund, and volunteers are out there to help low-income Americans maximize the process.

    “For many Americans, this is the most important financial transaction they will make all year,” Wu said.

    That means it’s crucial to make the most of your tax return by cutting out costly preparation and refund advance schemes.

    For more information about tax refunds:

    Jeff Reeves is the editor of InvestorPlace.com and the author of The Frugal Investor’s Guide to Finding Great Stocks.



    Payday Loan $1000 – A 99% Superior Payday Loan. Imperfect Credit Not An Issue To Get A Loan Till Payday. This Cash Advance Company Is Here To Help. #instant #loans #online


    #1000 loan
    #

    Some Information About A Payday Loan $1000.

    Have you ever had $1000 just handed to you?. With a payday loan from Paradise Payday is it just that simple. by next business day (the 24 hour payday loan )your $1000 payday loan is deposited right into your banks account with no hassles, no questions, no worries.

    Sometimes, we just can’t wait to get money till out next payday. When you need money for things like car repairs, medical expenses, or anything else, don’t let it get you down. Up to $1000 is ready for you to just take it.

    Imperfect Credit Is Never An Issue In Paradise.

    If you need a cash advance and have bad credit. poor credit or no credit you will have no problem getting a payday loan of up to $1000 from Paradise Payday. We will never check your credit, and we will never ask you why you need the fast payday loan .

    Don’t let any other payday loan store promise you a $1000 payday loan then never deliver on what they promise. Trust the one cash advance company that has helps thousands every month get the cash advance payday they need right away. Only Paradise Payday is the perfect solution.

    Let’s take a look at how easy it is to get a $1000 payday loan. First of all this is a no fax payday loan. so save a tree and cover that fax machine up. And since this is a no faxing payday loan things will go allot faster (now the fast cash advance ). So, let’s see, this is a no fax cash advance. a fast cash advance, what else do you need?

    How about the fact that this is a 99% Superior payday loan. Bet you didn’t see that one coming. That’s right, every time you apply for an easy cash advance you will have to the full support of Paradise Payday and a 99% Superior chance of being approved. No other cash advance payday loan company can come close to making that kind of guarantee. So, when you need a $1000 payday loan, then you know you have come to the right place, especially with these incentives. Don’t just trust any old emergency payday loan company. trust the one payday loan company that can guarantee your success.

    About A $1000 Payday Loan .

    There are some many things we can say about a $1000 payday loan from Paradise Payday, but we need to discuss some terms. First of all this is a quick loan. Generally, you are required to payday back the loan until payday by your next paycheck. However, with over 1000 cash advance companies in our system, it could be a little longer.

    Most $1000 payday loan applications are funded within 24 hours (the 24 hour payday loan ). This is also known as the instant payday loan. which means that your approval is delivered in less than 10 seconds. If this sounds good to you, then we need to get you signed up for a quick payday loan .

    Another great aspect of the $1000 payday loan is that it is also a Less Than Perfect Credit payday loan (a.k.a. Imperfect Credit payday loan ). So, you can you the $1000 payday loan for virtually anything. Car repairs, medical expenses, educational expenses, or use it as a debt consolidation payday loan .

    There is nothing more exciting than the approval of a cash advance loan. It is the easy payday loan (up to a $1000 payday loan ) that people love to get again and again. Join us, won’t you.



    Payday Loans Guaranteed Approval – Getting Approved Is Easy! #loan #calc


    #guaranteed payday loan
    #

    Home

    There can sometimes be times in the month when a little extra unexpected cash is needed. Although we are all careful to look after our money and make such we budget as required, sometimes an expense presents itself which simply could not have been planned for in advance. Take for example an emergency vet bill. In such an instance or situations similar to it, it is understandable that as consumers we may need to consider a form of short term borrowing resource to assist us. The world of online lending has been existence for quite some time now and as a result there is lots of choice for consumers. Making sure you select the right product for your needs is therefore more important than ever. This means taking into account the product, the repayment terms and all the other elements which make up a lending resource which is worth considering.

    We hope you will see that in fact, with our website and product we aim to combine all of these factors. We are an experienced lending resource who have developed our product through knowledge and understanding what is needed to meet the needs of consumers. Throughout our time in the market we have come to learn that there are several elements which are important to our potential customers. That’s why we offer a flexible lending resource via our simple and clear to understand application. Depending on the amount which you need to borrow, we believe our loan will provide you with the resource you need. We are able to back this up by offering a product which is flexible and fee free. There are still a lot of lenders who operate in the market and will charge a fee for their service, often this is regardless of whether the application is ultimately successful or not. We like to think we are different. That’s because we do not charge an additional fee for our application process. Whether we are able to help on this occasion or not, we will not charge you a free for our service.

    We also think it’s important that you are able to apply easily, which we think means a straight forward application process. Using our experience we have developed an application process which we believe can be completed whenever suits you best. We understand you may not always be able to complete the application during your working day and therefore are pleased to confirm you are able to complete it at a time which suits you. If you do apply outside of working hours, don’t worry, our underwriters will review your application first thing the very next working day.

    Warning: Late repayment can cause you serious money problems.

    For help, go to moneyadviceservice.org.uk



    What Is a 203k Mortgage? #unsecured #debt


    #203k loan
    #

    What Is a 203k Mortgage?

    Promoted by

    Streamlined 203(k) Loans Cover Minor Repairs

    Homes in need of minor, cosmetic repairs may qualify for up to a $35,000 loan amount through the 203(k) streamlined program. FHA lenders require less oversight of the repair work in a streamlined renovation. You can use it to make a purchased property move-in ready or prepare your home for sale. Common repairs include interior painting, re-flooring and kitchen and bathroom remodels.

    Regular 203(k) Is Used for Remodeling

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    • Photo Credit Jupiterimages/Stockbyte/Getty Images

    You May Also Like

    The FHA 203(k) Streamlined Mortgage is a viable option for thousands of homebuyers.

    Most mortgage lenders only provide loans once the value of a property is securely established. This allows them to know the exact.

    In some housing markets, affordable homes come at a high price. In exchange for a low-priced home, a buyer must invest extra.



    What is a High Risk Mortgage? #fast #loans


    #high risk loans
    #

    What is a High Risk Mortgage?

    A high risk mortgage is a mortgage loan that falls outside of the normal scope of risk that lenders are used to. When you are dealing with a high risk mortgage, everything else that has to do with the loan changes. Your lender will have different programs for you and different options within those programs. While many people have heard the term high risk mortgage, they may not be familiar with how they work. Here are a few things to keep in mind with high risk mortgages.

    What Makes It High Risk?

    When a mortgage is considered high risk, it is typically because of the person that is taking out the loan. Those that do not have good credit scores will typically result in a high risk mortgage being made. If your debt-to-income ratio is too high or you do not make a sufficient income for the loan you are requesting, it could be classified as a high risk mortgage. Stated income loans are also known as high risk loans because there is an inherent risk when you do not document everything during the application process. You are relying on someone to tell the truth when it comes to their income. This usually results in buyers overextending themselves. Any of these conditions could lead to the lender classifying the loan as high risk.

    How It Affects You

    When your mortgage is classified as high risk, it will affect you in a few different ways. When a bank takes on a high risk mortgage, they expect the rules of investment to apply. When you take on added risk, you want to be compensated for this risk. Therefore, when they take on a high risk mortgage, they will expect you to pay them more money in interest. Sometimes the interest rate can be quite a bit higher than normal as a result.

    When you have a higher interest rate on your loan, this will affect you in the long term and short term as well. You will pay a much higher amount of interest over the course of your loan and you will have a higher loan payment in the short term. They will most likely require you to pay a bigger percentage of the loan upfront instead of allowing you to finance the whole thing.

    You may also be subjected to different loan programs other than a 30 year fixed rate mortgage. You might have to agree to an interest only loan, balloon loan, or an adjustable rate mortgage in order to qualify. Therefore, the conditions will not always be ideal.

    What Leads to High Risk Mortgages

    There are a number of reasons that you could fall into the high risk category in the future. If you default on a loan, miss your monthly payments, or max out all of your lines of credit, lenders will tend to look at you as a high risk borrower in the future. Therefore, if you want to take advantage of normal interest rates and programs, you should safe guard your credit as tightly as possible.



    What Is a Conventional Mortgage Loan? #simple #interest #loan #calculator


    #conventional loan
    #

    What Is a Conventional Mortgage Loan?

    Mortgage Q A Friday: “What is a conventional mortgage loan?”

    A “conventional mortgage ” simply refers to any mortgage loan that is not insured or guaranteed by the federal government.

    Conventional mortgage loans can be both fixed mortgages or adjustable-rate mortgages. including hybrid ARMs.

    Additionally, these types of loans may be conforming or non-conforming, with the former meeting the standards set forth by government-sponsored enterprises Fannie Mae and Freddie Mac.

    Be careful not to confuse conventional with conforming, as the two terms are very different. However, neither are considered government loans, despite the fact that Fannie and Freddie are now in government control.

    One major factor that determines whether a mortgage is conforming or not is the loan amount loans over the conforming loan limit are considered jumbo mortgages and will come with a higher mortgage rate as a result. Still, both types of loans are considered conventional .

    Additionally, conforming loans have a minimum credit score requirement of 620 and tend to have a max loan-to-value ratio (LTV) of 97%, whereas non-conforming conventional loans may allow lower credit scores and higher LTVs.

    Fannie Mae s Homepath is a conforming loan program that allows LTVs of up to 97%.

    These days, conventional mortgages (whether conforming or not) typically have higher down payment and credit score requirements than government loans, and if the LTV exceeds 80 percent on a conventional loan, private mortgage insurance is required by the mortgage lender .

    However, conventional mortgages provide more flexibility because they may be kept on the original lender s books, meaning banks can set their own underwriting guidelines and risk appetite.

    Government Loans

    Now let s turn our attention to mortgage loans that are backed by the federal government, referred to as “government loans,” or govie loans for short.

    The most popular of the government loans is the FHA loan. which is a mortgage backed by the Federal Housing Administration (FHA), an arm of the Department of Housing and Urban Development’s (HUD) Office of Housing.

    FHA loans allow for down payments as low as 3.5 percent, but mortgage insurance is also required, even if the LTV is below 80%.  The FHA surged in popularity after the mortgage crisis all but wiped out subprime lending thanks to its low down payment and lenient credit score requirements.

    In fact, many suggest that FHA lending essentially replaced subprime lending. though during the boom, it was quite the opposite. Nobody was interested in government loans because private lenders had the most attractive (yet risky) loan programs.

    Another common and widely used government loan is the VA loan. which is backed by the Department of Veteran Affairs. As the name implies, it is reserved for military and their families, unlike the FHA, which any individual can use.

    Lastly, there is the USDA home loan program, which provides 100 percent financing on purchase mortgages to borrowers in rural neighborhoods throughout the country.  In that sense, it has a limited reach as well, making FHA loans the king of the govie loans.

    For the record, most mortgage lenders originate both conventional mortgage loans and government loans, though the government-share has increased markedly since the mortgage crisis got underway.

    However, as time goes by and things normalize, expect conventional mortgages to regain market share.  This is especially true now that the FHA is increasing mortgage insurance premiums to shore up capital and avoid a government bailout.