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Bay Equity Home Loans – Mortgage Lender in CA, WA, OR, AZ, HI, NV, UT, TX #pioneer #loans


#home loans
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Find a Loan Officer

Bay Equity Home Loans

Bay Equity is a full-service retail mortgage lending institution founded and headquartered in the heart of San Francisco’s Financial District. In 2011 and 2012, San Francisco Business Times named Bay Equity among its “Top 100 Fastest-Growing Private Companies” in the Bay Area. Bay Equity also has operations centers in Concord, California; Corona, California; Lake Forest, California; Portland, Oregon; Tacoma, Washington and Everett, Washington and 64 retail branch offices on the West Coast.

Bay Equity opened in the midst of the recession, as many other mortgage lenders were closing their doors. A group of mortgage professionals led by three brothers, Brett, Jon and Casey McGovern, recognized the need for a new type of mortgage lender. Their new lender had to embrace the highest standards, provide exceptional customer service and be committed to lasting relationships.

Bay Equity opened in San Francisco in April of 2008 and funded its first loan one month later. In its short history, Bay Equity has expanded and is now lending in eleven western states and growing.

Bay Equity has hired accomplished mortgage and financial professionals at all levels and has proudly assembled a highly experienced staff of corporate executives and operations professionals.

For loan information or to apply, select a Loan Officer


Federal Direct Loans (Federal Direct Subsidized or Unsubsidized Loan) #short #term #payday #loans


#federal loans
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University of Nevada, Reno

Federal Direct Loans (Federal Direct Subsidized or Unsubsidized Loan)

Click Here to Complete The Online FEDERAL DIRECT Loan Activation Form

To initially borrow the Federal Direct Loan, you must have completed your FAFSA. After the loan has been offered, you must accept it your MyNEVADA account. The Federal Direct Loan activation form (LAF) is only for the following situations: parents applied for and were denied a PLUS loan, student recently changed class standing and wants a loan increase, student initially declined loans and now wants to accept them, or student is requesting one semester only loans . We also accept the LAF in person to Student Financial Aid and Scholarships, Fitzgerald Student Services Bldg. – 3 rd floor, via U.S. Mail to Mailstop 0076, Reno, NV 89557 or via fax (775) 784-1025. If you have any questions, please contact our office at (775) 784-4666 or toll-free at (877) 666-0014.

Types of Loans

Your Offer Letter will include a subsidized or unsubsidized Federal Direct Loan or a combination of both.

  • The Federal Direct Subsidized Loan is a federally-sponsored “need-based” loan. The federal government pays the interest while you are enrolled at least half time. Interest begins to accrue when you enter repayment. This loan is available to undergraduate students only.
  • The Federal Direct Unsubsidized Loan is a federally-sponsored loan which has no interest subsidy. The interest accrues from the date of disbursement. You may pay the interest while you are enrolled or defer the interest. Accrued interest will capitalize once when you enter repayment. Students are encouraged to make the interest payments while in school to help decrease the total costs of the loan.
  • Subsidized loans are not offered to graduate or professional/medical students.

Fees, Interest and Repayment

  • Repayment begins six months from the date of graduation, withdrawal, or enrollment less than half time. There is no pre-payment penalty.
  • Current year origination fees and interest rates

New Borrowers at The University of Nevada, Reno

  1. The William D Ford Federal Direct Loan program is the sole provider of Subsidized and Unsubsidized, Parent PLUS and Graduate PLUS loans.
  2. Go to the Direct Loan website for more information and to complete entrance counseling and the Master Promissory Note (MPN). You sign using your FAFSA PIN. New borrowers at the University of Nevada, Reno must sign the Master Promissory Note and complete Entrance Counseling before we will certify your loan(s) with the lender. If you don’t complete the online MPN, the lender will automatically mail you a pre-printed paper MPN, but this process is slower and may delay your funds.

Previous Borrowers

If you have previously borrowed a federal Federal Direct, Plus, or Graduate Plus loan through a private lender in the FFELP loan program (Wells, Fargo, Bank of America, Citibank etc.,) they no longer offer loans and you will need to sign a new Master Promissory Note (MPN) and Entrance Counseling with the Direct Loan program .


Lease or Buy Car Calculator from Nationwide #auto #loans #calculator


#car loan payment
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Calculate Your Monthly Payments With Nationwide’s Auto Loan vs. Car Lease Calculator

Should you buy or lease a car?

You’re in need of a new car, but does buying or leasing make the most financial sense? Many go into the purchase thinking they don’t have the finances to cover the cost of a new car. In these cases, leasing may sound like the perfect fit. Leasing may also be a good option for those who are looking to drive the latest car models, but don’t want to own their car. However, taking out an auto loan to buy a new or used car can help you save a lot of money in the long run compared to leasing a car.

Keep in mind that although monthly payments and interest rates will likely be higher when you purchase a new car, you have the ability to sell, donate or gift your vehicle in the future because you own it. Leasing, on the other hand, can mean lower monthly payments and interest rates. However, you won’t be investing your money on an owned vehicle.

To help you determine whether you should buy or lease your next car, we’ve created this simple auto lease calculator. Get the net cost of buying vs. leasing by simply entering the fields below.

Calculators are provided to help you determine how a loan, line of credit or a deposit product may affect your budget. The results offered are estimates and do not guarantee available loan terms, cost savings, tax benefits, etc. Nationwide Bank does not offer a guarantee of the calculator results.


SALLIE MAE or ASTRIVE Student Loan? #bad #credit #loans #no #guarantor


#astrive student loans
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SALLIE MAE or ASTRIVE Student Loan ?

Hi friends,

Jun 22, ’09 by jerror

DON’T even consider going through astrive!

I did. and believe me it has been a very negative experience. Astive is just a company that originates loans and sell them to other companies, these other companies are the trash of the student loan company that are so bad at customer service i’m sure couldn’t survive selling loans under their name.

My loan got sold to one company, and the another company, and for a while I was getting billed from two different companies for the same loan and both of them said I had to pay them! ORLY. after I was like you need to sort out who I should be paying they both put me in collections and I was getting collections phone calls from two different collection agencies about the same loan! Eventually fearing irreparable damage to my credit report, I paid one, and the other mysteriously stopped calling? I still don’t understand what the hell was going on.

Now I get late notices with two names on it National Collegiate Trust and American Educational Services which still baffles me, but whatever.

Notice I said late notices. yeah I don’t get regular bills from this/these companies I only get late notices usually with late fees attached.

When I called the company to ask what was going on with me not getting bills they told me that I was, and it must be my post office! I was like ummm lets see. I get the late payment bills but not the regular ones, logically it’s not the post offices fault he basically said O-Well. With a busy life I try to pay my bills as I get them in the mail to stay ahead, and stay organized. Getting only late fee notices freaks me out! So I asked for a payment booklet. the CSR said We don’t do payment booklets

What a junk company. Stay away from ASTRIVE student loans you’ll wind up with a gutter class company to service it.

  • Like?

Mobile Home Loans – With or WITHOUT THE LAND, manufactured housing mortgages, Land Home Finance and Refinance #loans #with #no #credit #check


#manufactured home loans
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We specialize in Mobile and Manufactured Homes – its all we do. Finance your singlewide, doublewide, or triplewide MH in a mobile home park, on your land, with a mortgage, or a chattel loan. Refinance today at low fixed interest rates whether you need to finance with or without land. Trailer financing, OK. Your good credit = Lowest internet rates. Manufactured Housing Mortgages nationwide! We also offer chattle mortgages. Some programs allow for modular homes at interest rates comparable to current mortgage rates.

Mobile home loans and manufactured housing lending is still available. Low FIXED Interest Rates on Purchases, Refinances, Debt Consolidation, or even Cash Out.

Get an Instant, Anonymous, and Hassle Free MH Loan Evaluation BEFORE you give any personal information! Simply CLICK HERE to use our Automated Answer System. You will be asked a series simple questions on exactly what you are trying to accomplish with this loan and then be directed to the most appropriate application to fit your individual needs.

You will know in the next few minutes if it there is a program available to fit your unique needs.

Get free quotes for mobilehome programs and start saving today.


How to Get a Student Loan With No Credit History or Co-Signer #ez #loans


#student loans without cosigner
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Other People Are Reading

The Perkins Loan Program

The Perkins Loan program provides loans of up to $4,000 per year to students in undergraduate, graduate and professional school programs at an interest rate of 5 percent at the time of publication. The maximum total amount that a student can borrow is $20,000.

The Stafford Loan Program

The Stafford Loan program provides both subsidized and unsubsidized loans at fixed interest rates. Maximum borrowing amounts depend on several factors, including whether the student is enrolled in a graduate or undergraduate program. At the time of publication, the lifetime maximum borrowing limit for undergraduates ranges from $31,000 to $57,000: Students who are financially independent of their parents qualify for the higher amount. Graduate students can borrow up to a lifetime maximum of $138,500, including money borrowed as an undergraduate.

Subsidized vs. Unsubsidized Stafford Loans

The primary differences between subsidized and unsubsidized loans are interest management and financial-need criteria. While eligibility for subsidized student loans is based on financial need, there is no financial need requirement for unsubsidized loans. The government pays the interest on subsidized loans while the student is registered as a half- or full-time student, as well as during the six-month grace period after she leaves school. Students assume full responsibility for all interest accumulated on unsubsidized loans.


Direct Loans – Graduating or Leaving School #loan #for #people #with #bad #credit


#6 month loans
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When you graduate or leave school

Leaving school: graduating, withdrawing, or dropping below half-time

Once you are no longer enrolled at least half time in an eligible program, you’ll receive a 6-month grace period (see below) on your Direct Subsidized and Unsubsidized Loans during which you are not required to make loan payments. You must begin repayment at the end of your grace period.

If you have an in-school deferment on a Direct Subsidized or Unsubsidized Loan that entered repayment at an earlier date (before you returned to school) and you graduate, drop below half-time enrollment, or withdraw from school, you will be required to immediately begin making payments on the loan because the 6-month grace period has already been used up; there is no second grace period.

Make sure that both your school and loan servicer know that you are no longer enrolled. If you don’t begin making payments when required, there is the possibility that you will lose repayment incentives you may have received or even go into default.

Your school is required to ensure that you receive exit counseling before you graduate or withdraw. Check with your school to see how exit counseling is conducted, whether as a personal or group exit interview or as a session that you can complete online .

Grace periods

When you graduate, drop below half time, or withdraw from your academic program, you will receive a six-month grace period for your Direct Subsidized and Unsubsidized Loans. Your grace period begins the day after you stop attending school on at least a half-time basis. Once your grace period ends, you must begin repaying your loan(s).

If you re-enroll in school at least half time before the end of your 6-month grace period, you will receive the full 6-month grace period when you stop attending school or drop below half-time enrollment.

There is no grace period for Direct PLUS Loans the repayment period for a PLUS Loan begins on the day after the final loan disbursement is made. However, if you’re a graduate or professional student PLUS borrower (or if you’re a parent PLUS borrower who is also a student), you can defer repayment while you’re enrolled in school at least half time and (for Direct PLUS Loans first disbursed on or after July 1, 2008) for an additional 6 months after you graduate or drop below half-time enrollment.

If you’re a parent PLUS borrower, you can defer repayment of Direct PLUS Loans first disbursed on or after July 1, 2008, while the student for whom you obtained the loan is enrolled at least half time, and for an additional 6 months after the student graduates or drops below half-time enrollment.

Remember, if you choose to defer payment on a Direct PLUS Loan, any interest that accumulates during the deferment period will be added to the unpaid principal amount of your loan. This is called “capitalization,” and it increases your debt because you’ll have to pay interest on this higher principal balance.

Reservists Called to Active Duty. If you are called or ordered to active duty for more than 30 days from a reserve component of the U.S. Armed Forces, the period of your active duty service and the time necessary for you to re-enroll in school after your active duty ends are not counted as part of your grace period. However, the total period that is excluded from your grace period may not exceed three years. If the call or order to active duty occurs while you are in school and requires you to drop below half-time enrollment, the start of your grace period will be delayed until after the end of the excluded period. If the call or order to active duty occurs during your grace period, you will receive a full 6-month grace period at the end of the excluded period.

If you are a reservist called to active duty with the U.S. Armed Forces for more than 30 days, contact your loan servicer to let them know your status.

Choosing a repayment plan

You’ll have the choice of several plans. and the loan servicer will notify you of the date your first payment is due. If you do not choose a repayment plan, you will be placed on the standard repayment plan. Most Direct Loan borrowers choose to stay with the standard repayment plan, but there are other options for borrowers who may need more time to repay or who need to make lower payments at the beginning of the repayment period.

Consolidation

If you have multiple federal education loans, you can consolidate them into a single Direct Consolidation Loan. This may simplify repayment if you are currently making separate loan payments to different loan holders, as you’ll only have one monthly payment to make. There may be tradeoffs, however, so you’ll want to learn about the advantages and possible disadvantages of consolidation before you consolidate. To learn more, visit our Direct Consolidation Loan page .


Bay Equity Home Loans – Mortgage Lender in CA, WA, OR, AZ, HI, NV, UT, TX #loan #payoff #calculator


#home loans
#

Find a Loan Officer

Bay Equity Home Loans

Bay Equity is a full-service retail mortgage lending institution founded and headquartered in the heart of San Francisco’s Financial District. In 2011 and 2012, San Francisco Business Times named Bay Equity among its “Top 100 Fastest-Growing Private Companies” in the Bay Area. Bay Equity also has operations centers in Concord, California; Corona, California; Lake Forest, California; Portland, Oregon; Tacoma, Washington and Everett, Washington and 64 retail branch offices on the West Coast.

Bay Equity opened in the midst of the recession, as many other mortgage lenders were closing their doors. A group of mortgage professionals led by three brothers, Brett, Jon and Casey McGovern, recognized the need for a new type of mortgage lender. Their new lender had to embrace the highest standards, provide exceptional customer service and be committed to lasting relationships.

Bay Equity opened in San Francisco in April of 2008 and funded its first loan one month later. In its short history, Bay Equity has expanded and is now lending in eleven western states and growing.

Bay Equity has hired accomplished mortgage and financial professionals at all levels and has proudly assembled a highly experienced staff of corporate executives and operations professionals.

For loan information or to apply, select a Loan Officer


I am a YAHOO User and I Can – t Receive Emails – Email Marketing Guide #can #t #send #or #receive #emails


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Home I am a YAHOO User and I Can t Receive Emails

I am a YAHOO User and I Can t Receive Emails

Yahoo seems to filter email they consider junk mail into a folder titled Bulk.

To ensure that you are able to receive email from the specific sender, you must do the following:

  • Log into your Yahoo Account
  • Click Options
  • Click Filters
  • Click Add
  • Type: Safe List into the Filter Name Field
  • Type the sender s domain, for example glocksoft.com into the field where it says From header: contains
  • Select Inbox where it says Then Move the message to:
  • Click Add Filter

Once you add the sender to your Safe filter, you should be able to receive all email he sends you. If you are still unable to receive email, please check your Bulk Mail folder to see if the email was filtered there. If it was, you need to open the email in your browser and click the Not Spam button at the bottom of your window. The email will be moved to your Inbox and Yahoo shouldn t filter future correspondences from that sender.

If you do not click the Not Spam button, all future emails from that sender may continue to be filtered to your Bulk Email. You should continue to check this Bulk folder from time to time to make sure that no other important emails have been filtered there as well.

Yahoo! (and other ISP s) gives people the ability to click a button that labels the message as SPAM. Some people forget that they opted-in, but others simply don t realize that by flagging a message as SPAM, they are causing problems for the owner of the list they are on.

If Yahoo! gets the wrong impression about the sender s domain, and that domain name just appearing in the message BODY, it causes Yahoo! to flag the message as SPAM.

The solution is to simply use a new domain to redirect people to necessary pages.

So if you find yourself caught in the SPAM filters, it is perhaps a domain name you re putting in the BODY that has been misflagged as a source of SPAM. If so, use a redirect work-around.

Yahoo Contact Information:


Auto Financing – Bad Credit, Good Credit, or No Credit #bad #credit #personal #loans


#no credit auto loans
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Apply Now!

Good Credit ( 600)

If you have good credit, many financing options are available to you. You can work directly with one of our network dealers, get a blank check to bring to a dealer of your choice, or deal with a private party. more

Bad Credit ( 600)

Don t worry, you aren t alone, and you do have options available to you. We have a large network of car dealers and lenders that work with all types of credit. Get a loan for a new or used car today! more

Not Sure? Find Out Now!

If you don t know your credit score, the first think you need to do is get a free credit score. Everything related to auto financing depends directly on your score, so get your number and see what your options are. more