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FHA Loan and Financing Information from, fha loan.#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, 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

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

FHA Mortgage Blog

Latest Articles

Fha loan

New York Payday Loan Solutions, Your Approved! Bad credit is NEVER A Problem, payday loan help.#Payday #loan #help

New York Payday Loan Solutions

New York Payday Loan Solutions Loan Center

Commercial for New York Payday Loan Solutions’s Business Located at 180 Church Street New York, NY 10013

Payday loan help

Have you ever experienced a dilemma when you are in the need of some fast cash? Then getting a payday loan or cash advance may be able to help you during this dilemma. A cash advance can be described as a short term loan that usually ranges between $100 and $1,500. Individuals are able to use these loans when they’re experiencing a financial problem. Online cash advances helps you get approved immediately. Then you will see the money directly transferred in your account. A lot of the time, the funds may be deposited in your checking account within hours. Others may be as little as 24 hours. An online payday loan that will assist you to come up with some fast money whenever you need it. Right from the comfort of your home. We have simplified our application process. We do not believe in asking thousands of questions. Our staff already knows that you are stressed out. So why make matters worse? That is a great quality our company can have. We know that you may be needing a payday loan or cash advance. But we still give you the privacy you want as well. No matter the reason for the payday loan, we have your answers covered.

There are numerous payday cash advances where a credit check is required. This is why people often have a hurdle to jump over when applying for loans. Online cash advances commonly require a credit rating check as well. For those who have been denied for a financial loan, New York Payday Loan Solutions can still provide you with an instant cash advance loan. We have a provider for granting pay day loans to individuals. Even without any need of a good line of credit. In case you are experiencing a difficult time with the credit, then getting a fast cash advance loan is an easy way to deal with your urgent situation. No credit? Then no problem with us. Unlike other companies who require credit checks, we do not. It is our job to ensure you receive the funds you are looking for. Not to belittle you. That is why we have returning customers. Our customer service care is excellent! We treat all customers as friends and family.

We want you to know that we truly protect your information. New York Payday Loan Solutions is just as concerned as you may be regarding your financial safety and security. Every one of our transactions that any of us handle regarding cash advances or loans, are encrypted with the highest level of encryption available today. This means both your financial and private information will always be safe. You will be given a membership through us. This will give you a very secure location for you to handle the details on your cash advance or payday loan. Additionally, you can feel free to use the account at any time. It is easy so you can update your information. You are also able to view your personal history of loans. All of our clients have high importance to all of us. We are proud to take care of your entire payday loan and cash advance needs. Esepcially in a very secure and safe process.

We are aware that everybody needs some help with financial problems at some point or another. People everywhere in the United States are making use of the internet to discover short term cash solutions. This allows them to meet their financial requirements. In recent studies which have been carried out by our agency, will demonstrate how pleased our clients actually are. It is our goal to help you financially. We are not here to create more debt for you and your family. Unlike other payday loan companies, there is no limit to loans. Once you have fully completed a previous payday loan or cash advance, you can apply again. There is always a need for more money. As long as you can provide good standing payments, you can re-apply. Again, our goal is to help you, not hurt you. There are a great number of explanations that an individual requires a payday loan or cash advance. Some examples include:

  • Have extra cash for a vacation or additional kinds of entertainment needs
  • Maintenance of regular monthly bills
  • Managing an unanticipated medical expense
  • Dealing with unexpected expenses which includes a automobile

An online cash advance can usually be seen as a solution. When you’re requiring some fast cash that should be applied in a correct method. There are people who have noticed payday loan and cash advances are certainly more affordable. This is better than those who are not paying their bills by the due date. Then you would create late charges or penalty charges. The worst thing to do is to write a check knowing it will bounce. This problem can create serious financial penalties. The following list below shows you a comparison between Annual Percentage Rates, (APR for short) of payday loans as well as cash advances. Along with other financial alternate options you might be introduced with if you receive an issue with your money flow. They are expressed as APR’s for length of time 14 days:

  • $100.00 payday loan or cash advance having a $20.00 fee = APR of 521%
  • $100.00 credit cards balance having a $30.00 late charge = APR of 800%
  • $100.00 for an bounced check having a $50.00 bank as well as merchant fees = APR of 1,304%
  • $100.00 for just a electricity bill having a $60.00 late or reconnect fee is a APR of 1,564%

Online cash advance and payday loans are usually a fast and convenient financial product. They provide people a short term financial tool for dealing with matters that appear unexpectedly. Especially whenever you actually need some fast cash. When you’re requiring some quick funds, there is never a better solution than getting an online payday loan or cash advance loan. With New York Payday Loan Solutions, we can normally answer all of your financial questions with a YES! Yes we can help you. Yes we can give you funds today. Yes you can re-apply as many times as you want. Yes we are always available to help you with your loan. Whenever you are confronted with bills that you was not expecting, do not worry. That is what New York Payday Loan Solutions is here for. Even if you have unanticipated automobile repairs, or perhaps just in need of cash for any special event. Just make time to visit us so that you can see all of the services that we simply presents to you.

Payday loan help

If you stay in Nashville, TN we have good relations with Nashville Payday Loan Solution. We highly recommend them for all your

needs. They also offer Cash advances and Check cashing.

Refinance Your Auto Loan – Pre-Qualify in Minutes, Progressive, auto loan refinancing.#Auto #loan #refinancing

Auto Loan Refinancing

Customers save on average $2,500 over the life of the loan *

Pre-qualify for auto refinancing in minutes

No impact to your credit score

Want to see how much you could save by refinancing your auto loan? Pre-qualify online with Progressive Auto Finance by Capital One. In just a few minutes, you’ll see your calculated rate/term options and how much you can save. And because it’s only a “soft” credit inquiry when you pre-qualify, there’s no impact to your credit score.

If you like what you see, go ahead and complete the official auto loan refinance application and E-Sign your contract. If not, there are no fees and no obligation to buy.

Auto financing is available if you’re purchasing a new or used car.

How refinancing a car loan works

Pre-qualify online for free

If you pre-qualify, you’ll see your estimated monthly payment, term and APR. You may have more than one option to choose from.

Submit a credit application and sign your contract

Once you choose your offer, complete your credit application. You can even sign your contract online. When you submit your official auto loan refinance application, there will be a “hard” credit inquiry that will affect your credit.

Finalize your auto loan refinance application

Capital One may need some documents to complete your refinance, such as VIN, lender details, proof of income, proof of residence and/or a title document. After verifying your information, we’ll pay off your current loan. Then, you’re all set and you officially refinanced.

See more info on car loan refinancing with Capital One.

Auto refinancing is one more way we help you find what you need

Progressive offers so much more than auto insurance. Whether you’re refinancing a car, buying a home, starting a business, planning a wedding, increasing your financial assets or more—we’re here to help you find protection along the way. See more insurance choices.

Pre-qualify for auto refinancing in minutes

The #1 Insurance Site

Copyright 1995 – 2017. Progressive Casualty Insurance Company . All Rights Reserved.

We offer insurance by phone, online and through independent agents. Prices vary based on how you buy.

* Lifetime savings claim is based on average reduction in total lifetime payments Capital One customers experience over the life of the loan compared to their prior lifetime payments. Claim does not include customers who choose to extend the number of remaining payments on their auto loan. Lifetime savings may result from a lower interest rate, a shorter term or both. Your actual savings may be different.

Documentation may be required. Credit approval required. Terms, conditions, and restrictions apply, including vehicle eligibility and amount refinanced. Capital One Auto Finance only refinances loans from other financial institutions, not including Capital One subsidiaries. Find out more at Capital One. Auto financing products and services offered by Capital One, N.A. © 2016 Capital One.

Vehicle financing and refinancing and associated services are provided by Capital One, National Association, which is not affiliated with Progressive.

Progressive is not a lender or financing/refinancing broker, does not originate or arrange financing/refinancing, and does not endorse and is not responsible for Capital One’s products or services, the content or operation of its website, or how it handles or uses your information. Information you provide to Capital One is subject to its privacy policies and website terms of use, and may be shared with us.

Progressive receives compensation from Capital One for loans made through this program. Contact us for more details.

Financing/refinancing may not be available in all situations.

Void where prohibited by law.

Auto Loan Refinancing from PenFed – Find, Compare, and Apply Today, auto loan refinancing.#Auto #loan #refinancing

Refinancing Loans

When life changes, change your

rates. Save money by lowering

your auto payments.

Apply before becoming a member.

After your application, we’ll help you:

1. Discover you’re eligible to become a PenFed member

2. Open a Savings/Share Account and deposit at least $5


Vehicle’s model year is , or .


Vehicle’s model year is or earlier.

Rates displayed are for all auto loans excluding residents of Puerto Rico. To receive the current auto loan rates for Puerto Rico, please contact us at 1-800-247-5626.


  • Loan amounts up to $100,000
  • Finance up to 110%
  • Easy online application

• Save money with lower payments

• Up to 110% financing available

• Keep in mind: refinancing is not available for cars already financed with PenFed

*APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history.


Rates and offers current as of and are subject to change.

*APR = Annual Percentage Rate. Your actual APR will be determined at the time of disbursement and will be based on your application and credit information. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. The rate you receive on your loan will be the rate in effect at the time of loan disbursal.

Refinance Auto Loans: New vehicles are where you are the original owner and the vehicle is a current ( ) and prior model year(s) ( or ). For used vehicles, maximum used car loan advance will be determined by PenFed using a NADA value. Up to 100% financing is available to qualified members. PenFed does not permit internal refinances of an existing PenFed auto loan.

“Smart” Car Collateral Restrictions: Total financing is limited to 100% of the value and loan terms cannot exceed 60 months. Financing is not available with a Payment Saver Loan for “Smart” cars, Trucks (including hybrids), and SUVs (including hybrids).

Rate depends on term. Other restrictions including vehicle and mileage limitations may apply.

This calculator is currently not functioning properly. We apologize for the inconvenience. Please try back again later or try to reload this calculator.

You pay $14 less per month with PenFed

Auto loan refinancing

GAP Protection

Typical car insurance covers damage and theft. But what if your loan is more than the value of your vehicle? PenFed’s GAP Insurance covers that difference.

Auto loan refinancing

Extended Warranty

PenFed’s Extended Warranty can extend your auto manufacturer’s warranty by picking up where that policy leaves off.

Auto loan refinancing

Debt Protection

Life is unpredictable. With PenFed Debt Protection, your family’s financial security is protected in the event you’re unable to make timely payments.

Find interesting articles and more right here:

Lease vs. Buy: How Should I Pay for My New Car?

Auto loan refinancing

If you thought conversations about religion or politics could get contentious, try being a fly on the wall when two people are talking about whether to lease or purchase a car. You’ll see both sides at each other’s throats, each claiming to enjoy the lion’s share of advantages and disdaining the drawbacks of the other–and the funny thing is, they’re both right.

Buying a car versus leasing is less a financial issue than a matter of lifestyle. A financial tally of both options would probably show you a fairly clear-cut choice, but you’d be overlooking the benefits and drawbacks associated with whether or not the car actually belongs to you.

If you’re the kind of person who likes to drive off the lot in a new car every few years, leasing is the way to go. Not only will you ensure you’re always behind the wheel of a relatively shiny set of wheels, but since monthly lease payments are usually lower than loan payments, you’ll be getting more car for your dollar.

On the other hand, if your goal is wringing maximum value out of your investment, buying is the way to go. Once you’re done paying, you simply keep on driving–no monthly payments in sight.

Let’s look at the major advantages and drawbacks of both leasing and purchasing a car.

How Do I Apply, loan modification programs.#Loan #modification #programs

How Do I Apply?

There are six agencies throughout the state that administer the program for MRC. Applicants should contact the provider in their region. To find out which provider will handle your inquiry, on the list and find the provider’s contact information on our contact page.

You can contact the provider directly for an application to be sent to you or download the following application: HMLP 2017 Application Loan modification programs . Applications should be sent to the regional provider, who reviews applications and determines initial eligibility. Homeowners hire the designer and/or the contractor of their choice to modify the home. The Provider Agencies can give you resource materials on choosing and hiring architectural, design, and contracting professionals but cannot recommend specific contractors. If you need assistance or reasonable accommodations during your application process, please let your local provider know.

How will applications be evaluated?

Applications are initially reviewed by regional Provider Agencies to determine both income eligibility and eligibility of the proposed modification. Applicants are then contacted by the Provider Agency and asked to provide additional information including, but not limited to: income, a professional’s certification that the modification relates to the individual’s functional need, and home modification plans, if available. Income verification will be requested in the form of photocopies of earning statements, tax returns, benefit confirmation and/or pay stubs. Applicants who show total household income in excess of 200% of HMLP income guidelines are not eligible.

If the income and proposed modifications meet HMLP guidelines for eligibility, the Provider Agency will then schedule an initial inspection of the property. This inspection will be conducted by a construction monitor, who will review the bid proposal and verify that the scope of work meets program guidelines.

If the application is determined eligible, the applicant will be notified by the Provider Agency by phone and can expect a Commitment Letter to follow which will include:

  • The type of loan for which the applicant is eligible, including rate and terms;
  • The amount of the loan, based on the estimated cost of the modification; and
  • Notification that the final loan amount will include the proposed costs of the work performed, plus other Property Owner/Borrowers fees, i.e. origination fees, closing costs, permitting fees, etc.

If the applicant is not eligible for the Program, you will be notified by the Provider Agency in writing. The Provider Agency will attempt to provide you with appropriate referrals to other programs or sources of funding for which you may be eligible. Some information on other programs can be found on our Resources and Links page.

Various Funding Sources for Home Modifications, loan modifications.#Loan #modifications

Various Funding Sources for Home Modifications

Vocational Rehabilitation Program

Independent Living Center: Title VII Part B

Home Modification Loan Program

The Massachusetts Assistive Technology Loan Program (ATLP)

Other State Agencies with Home Modification Resources

Department of Developmental Services (DDS)

Catastrophic Illness in Children Relief Fund (CICRF)

Mass Housing, Home Improvement Loan Program

Regional Organizations with Home Modification Resources

Federal Agencies with Home Modification Resources

U.S. Housing and Urban Development; Community Development Block Grant Program (CDBG)

U.S. Department of Agriculture, Rural Development; Home Improvement Loans and Grants

Department of Veteran’s Affairs

Homes for Our Troops

Disability Specific Organizations

These organizations offer a range of resources and may or may not have resources specifically related to home modifications.

Muscular Dystrophy Association at

  • Greater Boston – Boston (617) 368-9155
  • Central Mass. – Westboro (508) 898-3375
  • Northeast – Beverly (978) 720-2800

Multiple Sclerosis Society, Greater New England Chapter

United Cerebral Palsy (UCP)

Amyotrophic Lateral Sclerosis (ALS) Association of MA

American Heart and Stroke Association

American Parkinson’s Disease Association

Federation for Children with Special Needs

Civic and Religious Organizations

There are many civic and religious organizations that provide help to individuals on a wide variety of issues. You should reach out to those in your community who may know more about what is available in your community. Some examples of these kinds of organizations include:Elks, Knights of Columbus, Shriner’s, Lion’s, Rotary, Masons Grand Lodge

What – s the difference between a loan modification, forbearance agreement, and repayment plan, loan modification programs.#Loan #modification #programs

What s the difference between a loan modification, forbearance agreement, and repayment plan?

Loan modifications, forbearance agreements, and repayment plans are different ways that borrowers can avoid foreclosure. Read on to learn the difference between these options and how they can help you if you are having trouble making your mortgage payments.

A loan modification is a permanent restructuring of the mortgage where one or more of the terms of a borrower’s loan are changed to provide a more affordable payment. With a loan modification, the lender may agree to do one of more of the following to reduce your monthly payment:

  • reduce the interest rate
  • convert from a variable interest rate to a fixed interest rate, or
  • extend of the length of the term of the loan.

Generally, to be eligible for a loan modification, you must:

  • show that you cannot make your current mortgage payment due to a financial hardship
  • complete a trial period to demonstrate you can afford the new monthly amount, and
  • provide all required documentation to the lender for evaluation.

Required documentation will likely include:

  • a financial statement
  • proof of income
  • most recent tax returns
  • bank statements, and
  • a hardship statement.

There are many different loan modification programs available, including proprietary (in-house) loan modifications, as well as the Fannie Mae and Freddie Mac Flex Modification program.

If you are currently unable to afford your mortgage payment, and won t be able to in the near future, a loan modification may be the ideal option to help you avoid foreclosure.

Forbearance Agreements

While a loan modification agreement is a permanent solution to unaffordable monthly payments, a forbearance agreement provides short-term relief for borrowers. With a forbearance agreement, the lender agrees to reduce or suspend mortgage payments for a certain period of time and not to initiate a foreclosure during the forbearance period. In exchange, the borrower must resume the full payment at the end of the forbearance period, plus pay an additional amount to get current on the missed payments, including principal, interest, taxes, and insurance. (The specific terms of a forbearance agreement will vary from lender to lender.)

If a temporary hardship causes you to fall behind in your mortgage payments, a forbearance agreement may allow you to avoid foreclosure until your situation gets better. In some cases, the lender may be able to extend the forbearance period if your hardship is not resolved by the end of the forbearance period to accommodate your situation.

In forbearance agreement, unlike a repayment plan, the lender agrees in advance for you to miss or reduce your payments for a set period of time.

Repayment Plans

If you ve missed some of your mortgage payments due to a temporary hardship, a repayment plan may provide a way to catch up once your finances are back in order. A repayment plan is an agreement to spread the past due amount over a specific period of time.

Here s how a repayment plan works:

  • The lender spreads your overdue amount over a certain number of months.
  • During the repayment period, a portion of the overdue amount is added to each of your regular mortgage payments.
  • At the end of the repayment period, you will be current on your mortgage payments and resume paying your normal monthly payment amount.

This option lets you pay off the delinquency over a period of time. The length of a repayment plan will vary depending on the amount past due and on how much you can afford to pay each month, among other things. A three- to six-month repayment period is typical.

To get information about these and other options to avoid foreclosure, see our Alternatives to Foreclosure area.

Loan modifications, loan modifications.#Loan #modifications

loan modifications

Loan modificationsK-Loan

Frequently, assistive technology equipment, i.e., hearing aids, accessible vehicles, sensory aids, communication devices, and home modifications are extremely expensive. Most traditional lenders limit what specialty equipment they finance and the terms offered on such equipment. K-Loan knows how critical such equipment is and knows some equipment has longevity beyond a couple of years. That is why we offer longer terms to eligible borrowers on a case by case basis. Let us know how we can help you.

K-Loan is an Alternative Finance Program offered through Assistive Technology for Kansans (ATK), the statewide assistive technology program, coordinated by the University of Kansas. K-Loan was established and is directed by persons with disabilities. It is a consumer-run program designed to provide persons with disabilities and their families with access to financial resources toward acquiring assistive technology through education, saving and borrowing. The project is guided by an Executive Advisory Board composed of individuals with disabilities, family members and representatives from Kansas agencies.

Assistive Technology (AT) is any kind of device or tool that helps people learn, work, communicate and live more independently. AT can be very simple and inexpensive, like a modified knife and fork, or it can be very sophisticated and costly, like a computerized speech device.

Jeanette Graue is the Alternative Finance Manager for the financial empowerment program which is headquartered in the AT access site at 1714 Main in Parsons. In her role as the Regional Loan Coordinator for the Southeast Kansas AT area, Graue manages the loan applications and program data. Lou Ann Kibbee of Hays works as the North and Northwest Regional Loan Representative. Heather Jones works at Prairie Independent Living Resource Center, 17 South Main, Hutchinson, Kansas. She serves the South and Southwest area of the state as the K-Loan Regional Representative.

The low interest loans are designed to help individuals with chronic health problems or disabilities obtain a variety of equipment that can be used at home, school or on the job. Funds can be used to help with the purchase of assistive technology equipment ranging from hearing aids to mobility devices. Personnel can help identify alternate funding sources.

Applications can be downloaded on line by following this link. Once it is completed fax to 620-423-3505. To learn more about the K-LOAN program, contact K-Loan at 620-421-6554 in Parsons or call toll-free 1-866-465-2826. The number to reach staff in Hays is 1-800-316-8019. Hutchinson staff can be contacted by calling 1-888-715-6818.

Physical Disability Banking Survey

The World Institute on Disability and the National Council on Independent Living (NCIL) and Association of Programs for Rural Independent Living (APRIL) are conducting a brief 15 to 20 minute survey about access to and use of banking and financial institutions for people with physical disabilities. These responses will help guide future efforts to provide improved banking and financial institution products, services and programs to better reach the physical disability community.

Physical Disability Banking Survey:

2014 ME:GO Scooter

For Sale – 2014 ME:GO Scooter – 172 Miles – New batteries, Adjustable seat: forward/backward/tilt – Cruising speed: 20 MPH

  • Loan modifications
  • Loan modifications
  • Loan modifications

I Applied For An Online Payday Loan, payday loan online.#Payday #loan #online

I Applied For An Online Payday Loan. Here’s What Happened Next

Payday loan online

Payday loan online

Payday lenders made about $49 billion in high-interest loans last year. More than a third of those loans were made online. I wondered what happens when you apply for such a loan, so I decided to find out.

In the course of reporting a story earlier this year, I logged on to a site called and filled out an application.

I asked for $500 and, to be safe, I made up an address, a name (Mary) and a Social Security number. The site asked for more sensitive stuff — a bank account number and a routing number — and I made that up, too.

In spite of the made-up information, in less than a minute, I got a response.

“Congratulations. Tremont Lending has been selected as your lender and you have been pre-approved for a loan up to $750.”

If I wanted to borrow $750 for a week, I would have had to pay $225 in interest. The site said that was an annual percentage rate of more than 1,300 percent.

I did not agree to take the loan.

But within minutes, my phone rang (I had entered my real phone number). It was a guy from Tremont Lending, in South Dakota. I told him I was a reporter, that I didn’t really want a loan, and I figured that would be the end of it. But then, I started to get more calls.

“Hi, Mary. My name is Ethan, Ethan Foster, and I’m calling from InstaLoan. And this call is regarding the loan application which you put online. It has been successfully approved by our company as a personal loan.”

“This message is intended for Mary Kettler. Mary, the very second you receive this message, I need your urgent attention to return the call. My name is Tom Watson.”

For months, I got dozens of calls. Many of the callers had strong foreign accents. One caller, who said his name was Kevin, told me that Mary had been approved for a loan of up to $5,000 — 10 times what I initially asked for.

Kevin said he was from a company called Cash 4 You, which was unconnected to By this point, I was wholly confused. ETaxLoan had said it was a secure site, but now, many different companies had my application — and, presumably, my personal information.

It turns out there’s a huge online bidding process for such loans. ETaxLoan isn’t a lender at all, but something called a lead generator. It finds potential customers, then passes them on.

When I tried to contact eTaxLoan to learn more, I might as well have been looking for the holy grail. The company’s customer service line connected to a recording that said “due to an overwhelming response to great loans,” it could not take calls. The site lists an address in Delaware — but the company isn’t at that address. I spent days trying to find the company’s physical location, without success.

And when I tried to call back the people who had offered me loans, I couldn’t get through.

But eventually, I did find someone willing to talk about the business. Jack Murray heads Fix Media Group, in Virginia, which has a site called Murray says his company — not unlike eTaxLoan — is really a marketing firm.

“We are a matching service, just like an Expedia is for a travel company or a is for a hotel company,” Murray says.

But instead of matching travelers with hotels, Murray matches those who need cash — and can’t get it elsewhere — with those willing to lend.

For that, he might get anywhere from $1 to $100 per lead. Murray draws a big distinction between his company and others in the business. He says he’s completely aboveboard and works only with partners he trusts.

“We have a pretty limited network of lenders, and we know what each of our lenders is looking for,” he says. “So whether it’s a certain state or other qualifications or characteristics of the customer, it will match the appropriate lender based on those things.”

Murray says neither he nor his lenders resells personal data, like the kind I submitted. But he says that others do, and that’s likely what happened in my case. It doesn’t take long online to discover there’s a whole network of people trying to buy and sell payday loan leads.

None of this surprises Benjamin Lawsky, the superintendent of financial services for New York state and one of many regulators trying to clamp down on payday lending.

“Once you made that application, you basically sent up a red flag with them that you are someone in need of this money, and you need it on a short-term basis,” he told me. “That’s when the vultures come out.”

House loan, house loan.#House #loan


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