Credit News

VA Loan Rates Today

#home loan rates comparison

VA Loan Rates Today| VA Refinance: What Are VA Loan Rates Today|How Much Can I Save?

Many people dream of buying a house and with the low VA Rates today make it a great time to consider taking action. If you are planning purchasing or refinancing, you might consider getting a VA House loan. But the big questions are, why choose a VA loan over a conventional loan? Who are eligible? And last, what are the unique advantages that go with the loan?

Why Choose A Veterans Loan

Today s low VA Rates offer special loan rates to eligible military veterans and active duty service members. A veterans administration loan permits veterans and active duty personnel to qualify and be eligible to purchase or refinance their home with no down payment, closing costs, and private mortgage insurance. VA mortgages are more forgiving than some conventional loans.

VA Eligibility: Who Are Qualified?

The following are eligible for a VA loan.

1. Former members of the military on active duty during the World War II or later and who have not been dishonorably discharged.

2. Veteran soldiers who have 90 days of service during the World War II, Vietnam War or Korean Conflict.

3. Current members of the military who served in the armed forces of a government allied with US in World War II who have not been dishonorably discharged.

4. National Guard members

5. Public Health service members

6. Midshipmen at the United States Naval Academy.

7. Midshipmen at the United States Naval Academy.

8. Merchant Seamen with World War II service.

9. National Oceanic and Atmospheric Administration officers.

Veteran Loans Unique Characteristics

Listed below are the top 5 benefits of a VA Purchase or a VA Streamline Refinance .

1. No Down Payment or Zero Financing. VA loans offer a no-down-payment loan option that allows veterans to purchase a home with no upfront cost. Such option shows the lowest home foreclosure rate in the market today. However, if the borrower makes at least 5% down payment the VA will lower its fee.

2. No Closing Costs. No buyer paid closing cost but the seller agrees to pay closing cost thus including the closing cost to your home s value.

3. No Private Mortgage Insurance. The purpose of a PMI is to compensate lender losses in cases wherein the borrower is unable to repay the loan. With VA loans, the borrower is aware of the money saved with the no PMI benefit of veteran s mortgages.

4. Competitive and Low VA Rates. Affordable monthly payments and reduced interest rates are regularly lower than most conventional loans.

5. Affordable and Low Mortgage Payments. Historic Low VA Rates offer the easiest and most affordable monthly payments available to qualified veterans.

Unfortunately, Veteran Loans are available only to veterans, active duty service men, reservist, National Guard members, and etc. It is very important that you know this before going out and searching for the best VA Rates in the market. VA Loans are designed to support you, the borrower with special benefits and peace of mind.

Using Excel s CUMIPMT Function to Determine Interest Paid Over Multiple Loan Payments

#how to calculate interest on a loan

K2 Tech Update | Tech Tip

Using Excel’s CUMIPMT Function to Determine Interest Paid Over Multiple Loan Payments

On occasion, you might have the need to determine how much interest is paid on a loan over multiple payments. For example, perhaps you are preparing a tax return and need to know how much interest you paid during the course of the year. There are multiple approaches to solving this problem, including building an amortization schedule in Excel. However, the fastest method may be to use Excel’s CUMIPMT function and in this tip, you will learn how to take advantage of this little-known feature.

To begin, consider the worksheet shown in Figure 1 . In cell B7, a formula containing the CUMIPMT function has been entered to calculate the total interest paid beginning with payment seven and continuing through payment eighteen.

Figure 1 – Using CUMIPMT to Determine Interest Paid Over Multiple Loan Payments

The syntax of the formula containing the CUMIPMT function closely resembles that of a formula containing a PMT function. More specifically, the syntax of the CUMIPMT function is as follows:


Rate = The interest rate on the loan,

Nper = The number of payments over which the loan is amortized,

Pv = The original principal value of the loan,

Start_period = The beginning payment number for which total interest will be computed,

End_period = The ending payment number for which total interest will be computed, and

Type = A value of “0” or “1” to indicate whether loan payments occur at the end of the period (0) or the beginning of the period (1).

Returning to the example presented in Figure 1. as shown in Figure 2 , the total amount of interest paid on the loan beginning with payment number seven and continuing through payment number eighteen is $8,588.94. Instead of building a full amortization schedule or using other methods, you can arrive at this solution that is really nothing more than an extension of the very common PMT function.

Figure 2 – Completed Example of CUMIPMT Function

While numerous methods exist for calculating the amount of interest paid over multiple loan payments, perhaps none is easier to implement than Excel’s CUMIPMT function. With this function, you can quickly and easily calculate the amount of interest paid by simply entering a formula that contains a function that closely resembles one that you likely already use – Excel’s PMT function. Therefore, the next time you need to calculate the amount of interest paid over multiple loan payments, consider using Excel’s CUMIPMT function to speed the process of obtaining the correct answer.

For a video demonstration of this tip, please visit .

253 LITTON LOAN SERVICING complaints and reviews @ Pissed Consumer

#litton loan servicing

Litton Loan Servicing – Litton Loan forclosed on my home in 2009

Litton Loan Servicing LP is a finance company that was founded in 1988 by Larry B. Litton. Litton has introduced a special way to provide mortgage loans and it is used nowadays nationwide. Litton Loan Services is headquartered in Texas. The company specializes in providing non-prime loans. It buys in serves subprime residential loans in order to cooperate with the customer and find the right solution. The mission of Litton Loan Servicing LP is to help people to have their own home. The company is affiliated with C-Bass. Due to this affiliation, Litton Loan Servicing is a loan provider and credit company.

4828 Loop Central Drive Houston TX 77081

After 1.5 years of working with Litton Loan on my mortgage. My original interest rate was 6.875 % then without warning it jumped to 9.25 % almost doubling my. Read more

Litton Loan Servicing – Not getting credit for payments

When Litton transferred my loan to Ocwen, they never reported all my payments, three years worth and now Ocwen wants to foreclose on me. They said that I paid. Read more

Used Auto Loan

#used car loan calculator

Used Auto Loan

An affordable, fixed-rate LGFCU Used Vehicle Loan is a smart way to pay for your used car purchase.

At LGFCU we can help you at every step of the car buying process from financing to getting real information on the value of your trade-in straight from the National Automobile Dealers Association (NADA). The first step is securing a loan. Our used car loan features include:

  • Term up to 72 months
  • Maximum loan amount 100% up to NADA base retail value
  • An additional 10% available to cover other purchase-related expenses such as tax, tags, extended warranties, etc.
  • No penalty for early pay-off
  • Lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia.

Research and insure your car

While you’re applying for an LGFCU used auto loan, you can also you find out the trade-in or sale value of your current car. Just access the Chrome Showroom  via Member Connect to find out NADA car values before heading to a dealership. We even offer several options for auto insurance !

Next Steps

Choose a way to request your Used Vehicle Loan.

Used auto loan

#used auto loan

The New York Times

Finding Peace Within the Holy Texts

The answer to ending religious violence will probably be found within religion itself.

Op-Ed Contributor

How to Help Save the Mentally Ill From Themselves

Having lost his own son, the author argues that a bill in Congress could help prevent other families from enduring the same misfortune.

Early Prostate Cancer Cases Fall Along With Screening

The declines “could have significant public health implications,” one study said, and almost certainly result from a panel’s recommendation against the hotly debated test.

The candidate’s remarks on the Middle East and national security have raised questions about his knowledge of the subject, and advisers say tutoring is having little effect.

Documents show that the American financial group and its Brazilian partners have spent millions to buy farmland despite a Brazilian ban on such large-scale deals by foreigners.

RV Loan Calculator – Pop Up Campers

#rv loan calculator

Using Our RV Loan Calculator

After you have input all of your custom values into our RV loan calculator, you will need to click the calculate button. That will trigger a pop-up overlay that contains some useful information. The most important number that you see will be your monthly payment. This is the amount of money that you will be responsible for paying each month during the entire term of the loan, so you can use it to effectively budget your pop up camper purchase. This number can also be used, along with your existing debt-to-income ratio (and your credit rating), to determine how big of a loan you can qualify for. If the monthly payment is too large, or you think that you can afford a higher monthly payment, you can play around with the loan amount, down payment, interest rate, and loan term to see what might better fit your situation.

Our RV loan calculator provides some useful numbers that can help you plan a purchase.

In addition to the estimated monthly payment, you will also see the total amount that you would owe over the term of the loan, the total interest you would pay, and the payoff date based on the origination date that you put in. These numbers will all vary depending on the initial values that you put into the calculator, so you can easily see how they change based on the interest rate, down payment, and other factors.

The results screen of our RV loan calculator also includes a bar graph that provides you with a visual representation of your loan. The graph shows how much interest and principal you would pay each year, and it also includes a line graph that shows the incremental decrease in the amount that you would owe each year. That gives you an idea of how much it would cost to pay off your loan early.

The default results screen also shows the amortization of your loan on a yearly basis, although you can also choose to look at the monthly numbers if you prefer.

Making RV Loan Payments Affordable

Different lenders have different policies, but most lenders look for a debt-to-income ratio that is somewhere between 40 and 50 percent. If your RV loan payment won t put you outside that range, and you have a decent credit score, then you have a better chance of securing the RV loan that you re looking for. If you have more questions about determining how much you can afford to spend each month on an RV payment, or how to budget for this type of purchase, organizations like the National Foundation for Credit Counseling provide a lot of helpful resources .

A Note About Our RV Loan Calculator

Our RV loan calculator is provided purely for informational purposes, and we hope that it will help you get a better idea of how much you can afford to spend on a new pop up camper. This is just one of the tools we provide at to help prospective buyers learn about pop up campers without any influence from any particular manufacturer or dealer. isn t a lender, a dealer, or a broker, and all information on this site is purely informational in nature.

USA Payday Loans Online – Get Cash Loan Now

#payday loans online

7 things you need to know before applying for USA payday loans

You need to consider the costs and benefits before applying for USA payday loans. These short-term loans can help you to raise cash quickly to deal with emergencies or unexpected bills.

Does it make sense to apply for a cash advance? This article will help you to decide. These loans can prove to be very costly if you take them several times a year and don’t return the money on time.

Take short-term loans only when you have urgent requirements and can’t raise the money from other sources, such as your family, friends, credit union or bank. This may not be the right option if you’re facing a persistent shortfall of cash.

If your finances are in poor shape, think carefully about whether you can afford to take another loan. Can you pay it back on time from your monthly budget? Seek advice from someone you trust before you decide to take a short-term loan.

1. What is a payday loan?

A payday loan is a small, short-term loan which is due to be paid back on the borrower’s next pay day. The loan is usually for $1000 or less and it has a very high interest rate. These loans are also known as cash advances or check loans.

You may have to allow the lender to access your checking account or provide a check for the entire balance amount in advance. This will give the lender the option of recovering the loan on the due date.

The lender may provide the loan amount in the form of cash, a check or an electronic transfer to your checking account. The funds may also be loaded onto a pre-paid debit card.

The loan is usually meant to be paid back in one lump sum payment but rollovers or renewals or interest-only payments are not uncommon. The loan may also be repayable in installment over a period of time.

Learn before taking a loan may be as high as $30 per $100 borrowed, which translates into a very high annual percentage rate (APR). Taking several loans of this type every year, could have an adverse impact on your finances.

300 Dollar Loan- Instant Small Loans- Dollar Payday Loans

#guaranteed payday loan

Welcome to 300 Dollar Loan

Financial crises occur when your monthly income is insufficient to meet up with your endless financial crunches. But now you don’t have to worry anymore! We at 300 Dollar Loan will find you a deal that fits into your requirements the best and offer you desired financial aid in an affordable manner. Now don’t think much! Apply with 300 Dollar Loan and find a deal of your choice in a flash!

Dollar payday loans are especially designed for the salaried individuals who are looking out for fast financial aid of up to $300 for a short period of time as per your requirements and paying back ability. Moreover, you can even use the loan amount to fulfill any of your varied heterogeneous requirements like paying for utility bills, bank overdrafts, medical bills, credit card dues, car repairs, lawyer’s fees, pending household dues, repairing of broken window’s pane, tuition fees and many more without any restriction. Just apply with 300 Dollar Loan for instant small loans and solve all your financial troubles without delay!

People with low credit scores too can apply for 300 loan with 300 Dollar Loan and avail our no credit check facility today!

Applying with us is quite easy! Just go online! Fill up our application form with your basic details and that’s it! We will match your profile with the available offers and get back to you in no time. So what are you waiting for? Apply with 300 Dollar Loan and say goodbye to all your financial hassles right away!

Rv Loan Payment Calculator

#loan calculater

Other than, one particular mightn t have the guarantee to maintain obtaining a very good bank loan. Even clients, who particularly are receiving issue with Rv loan payment calculator their credit user profile, can use the program these lending products. Your site is that person anywhere int Rv loan payment calculator he planet.

Makes use of the most marvelous use of on line moderate to apply for cash advance loans without issues and difficulty.

StatisticsThe costs of lending options right up until payday advance range over the necessity of the loan, the same as when it comes to all other financial products. This program is good for people for instance clients and low property Rv loan payment calculator owners. Our consumers are stunned at our products and services as we don t request about their recent Rv loan payment calculator credit rating.

Its unbelievable glimpse has taken through your cardiovascular system.

Quick Loans Houston Texas 77083

It is a fact that you finds out the significance of financing when she or he is laid-off. But now, you must stress about the indegent credit scores since Rv loan payment calculator loans for bad credit standing is there to enable you to satisfy the every day requirements like renovation of residence, medical bills, starting off a different business enterprise, money little one s schooling and Rv loan payment calculator so forth.

Unsecured Debt Consolidation Loan, Business Loan Solutions

#consolidated loans

Unsecured Debt Consolidation Loans

Thinking about making a fresh start? Discover everything you need to know about the different types of personal bankruptcy and small business bankruptcy.

Do you face problems when it comes to making your minimum payments each month? Have your creditors lowered your credit limits or raised the rates on your credit cards? Maybe you want the ease of making only one payment to a company, just one company, each month, as opposed to struggling to keep up with different bills? If you answered yes to any of these questions, you are a prime candidate for a debt consolidation loan.

With a debt consolidation loan you can considerably improve your cash flow each month. Your potential savings can range from hundreds to thousands of dollars on interest over the life span of a loan. Consolidating existing debt into a loan can be one of the best ways to bring financial peace in a troubled economy.

AmOne is the leading debt consolidation loan website for individuals and small business owners in the United States. Our mission is to help our customers connect with the best debt consolidation solutions in the nation today. With a 13 year track record for success, assisting over 3 million people consolidate billions of dollars through an ever changing economic environment, we believe there is no better company that can help you achieve your debt consolidation loan goals.

Every year Americans waste millions of hours searching for the best options for consolidating debt. Others don’t even try at all because of how frustrating the process can be. As loan professionals, we knew there had to be an easier, more streamlined approach to finding the right debt consolidation loan. Everything about our company was built with that concept in mind.

If you’re the type of person that values your time and wants to give your debt consolidation loan request the best chance for success, then we highly recommend you CLICK HERE to get started. From there we’ll put you in touch with safe, reliable and trustworthy debt consolidation providers that fit your unique situation.

Product Features

    Up to $200,000 No collateral required Single monthly payment Minimal documentation Lower monthly payments Interest rate deduction No pre-payment penalty in most instances

Service Features

    No more shopping around Available throughout the country All situations considered Expert guidance reduces mistakes Privacy security Simplified process

Rates and Terms

    12 to 60 Months Rates starting at 6.78% Line of Credit: Also Available