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Florida Reverse Mortgage – Lenders – Rates in FL #alabama #reverse #mortgage


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Reverse Mortgage Alert

Reverse Mortgage Rules in Florida

HECM Counseling Agencies

The HECM Counselors listed below are located in Florida. This information comes from a database maintained by the United States Department of Housing and Urban Development. Reverse Mortgage Alert updates this information every few months to keep the listings up to date.

APPRISEN CCCS DAVIE
Agency ID: 80530
SUITE 107
5400 S. UNIVERSITY DR.
DAVIE, FL 33328-5312
(800) 355-2227 | http://www.cccservices.com

CATHOLIC CHARITIES DIOCESE OF VENICE, INC.
Agency ID: 81049
1219 16TH STREET WEST
BRADENTON, FL 34205-6505
(941) 714-7829 | http://www.catholiccharitiesdov.org

CCCS OF WEST FL MAIN OFFICE
Agency ID: 80058
14 PALAFOX PLACE
N.F.C.C UNIT #19005/19005-SI
PENSACOLA, FL 32502
(850) 434-0268 | http://www.cccswfl.org

CONSOLIDATED CREDIT SOLUTIONS, INC.
Agency ID: 84804
5701 W SUNRISE BLVD
PLANTATION, FL 33313-6269
(800) 435-2261 | http://www.consolidatedcredit.org

CONSUMER CREDIT AND BUDGET COUNSELING, DBA NATIONAL FOUNDATION FOR DEBT MANAGEMENT
Agency ID: 83885
14104 58TH ST N
CLEARWATER, FL 33760-3758
(866) 395-5769 | http://www.nfdm.org

OASIS OF HOPE CDC
Agency ID: 84267
50 NE 1ST ST
POMPANO BEACH, FL 33060-6602
(954) 586-1283 | http://www.oasiscdc.org

CREDIT CARD MGMT SVCS, INC D/B/A DEBTHELPER.COM
Agency ID: 83706
#201
1325 N CONGRESS AVE
WEST PALM BEACH, FL 33401-2005
(800) 920-2262 | http://www.debthelper.com

DEBT MANAGEMENT CREDIT COUNSELING CORP
Agency ID: 83981
3310 N FEDERAL HWY
LIGHTHOUSE POINT, FL 33064-6742
(954) 418-1466 | http://www.dmcccorp.org

HOUSING AND NEIGHBORHOOD DEVELOPMENT SERVICES OF CENTRAL FLORIDA, INC.
Agency ID: 80757
SUITE 305
1707 ORLANDO CENTRAL PKWY
ORLANDO, FL 32809-5759
(407) 447-5686 | https://www.cflhands.org

TAMPA BAY COMMUNITY DEVELOPMENT CORPORATION
Agency ID: 81370
2139 NE COACHMAN RD, SUITE 1
CLEARWATER, FL 33765-2612
(727) 442-7075 | www.tampabaycdc.org

TRINITY EMPOWERMENT CONSORTIUM, INC.
Agency ID: 84254
9755 SW 184TH ST
PALMETTO BAY, FL 33157-6932
(305) 248-4553 | http://www.trinityempowers.org
(727) 442-7075

Alzheimer s Associations

Clearwater
Serving Pinellas and West Pasco Counties
Airport Business Center
14010 Roosevelt Blvd. Suite 709
(Door faces 140th Ave N)
Clearwater, FL 33762
727.578.2558

Bonita Springs
Serving Collier and Lee Counties
Sunshine Professional Center
9220 Bonita Beach Road #223
Bonita Springs, FL 34135
239.405.7008

Brandon
Serving Hillsborough East Pasco Counties
309 North Parsons Avenue
Brandon, FL 33510
813.684.1296

Lakeland
Serving Polk County
Florida Avenue Center
601 S Florida Avenue, Suite 3
Lakeland, FL 33801
863.292-9210

Orlando Office
378 CenterPointe Circle, Suite 1280
Altamonte Springs, FL 32701
(407) 951-7992 office
(407) 951-7993 fax
24/7 Helpline: (800) 272-3900

Jacksonville Office
4237 Salisbury Road, Suite 310
Jacksonville, FL 32216
(904) 281-9077 office
(904) 281-9078 fax
24/7 Helpline: (800) 272-3900

Gainesville Office
2727 NW 43rd Street, Suite 5B
Gainesville, FL 32606
(352) 372-6266 office
(352) 372-2038 fax
24/7 Helpline: (800) 272-3900

Tallahassee Office
2000 Apalachee Parkway, Suite 200
Tallahassee, FL 32301
(850) 408-9984 office
24/7 Helpline: (800) 272-3900

Port Charlotte
Serving Charlotte Desoto Counties
4075 Tamiami Trail #2
Port Charlotte, FL 33952
941.235.7470

Sarasota
Serving Manatee Sarasota Counties
3277A Fruitville Road, Suite 1
Sarasota, FL 34237
941.365.8883

Sebring
Serving Hardee, Hendry, Highlands Glades Counties
The Hainz Professional Center
134 N. Ridgewood Drive, Suite 17 Sebring, FL 33870
863.385.3444

Spring Hill
Serving Citrus, Hernando Sumter Counties
4108 Lamson Avenue
Spring Hill, FL 34608
352.688.4537

Palm Beach Office
Headquarters
3333 Forest Hill Boulevard
West Palm Beach, FL 33406
Phone: 800.272.3900
Fax: 561.967.0947

Treasure Coast Office
11711 SE US Highway 1
Hobe Sound, FL 33455
Phone: 800.272.3900
Fax: 772.546.5990

Broward Office
Broward Health North
201 E. Sample Road
Deerfield Beach, FL 33046
Phone: 800.272.3900
Fax: 954.786.1538

Miami-Dade Office
1475 N.W. 14th Ave.
Miami, FL 33125
Phone: 800.272.3900
Fax: 305.324.0965

Area Agencies on Aging

Northwest Florida Area Agency on Aging, Inc.
5090 Commerce Park Circle
Pensacola, FL 32505
(850) 494-7101
http://www.nwflaaa.org

Area Agency on Aging for North Florida, Inc.
2414 Mahan Drive
Tallahassee, FL 32308
(850) 488-0055
http://www.aaanf.org

Elder Options
100 SW 75th Street, #301
Gainesville, FL 32607
(352) 378-6649
http://www.agingresources.org

ElderSource, The Area Agency on Aging of Northeast Florida
10688 Old St Augustine Road
Jacksonville, FL 32257
(904) 391-6600
http://www.myeldersource.org

Alliance for Aging, Inc.
760 NW 107th Avenue
Suite 214, 2nd Floor
Miami, FL 33172
(305) 670-6500
http://www.allianceforaging.org

Area Agency on Aging of Pasco-Pinellas, Inc.
9549 Koger Boulevard North, Suite 100
St. Petersburg FL 33702
(727) 570-9696
http://www.agingcarefl.org

Senior Connection Center, Inc.
8928 Brittany Way
Tampa, FL 33619
(813) 740-3888
http://www.agingflorida.com

Senior Resource Alliance
988 Woodcock Road, Suite 200
Orlando, FL 32803
(407) 514-1800
http://www.seniorresourcealliance.org

Area Agency on Aging for Southwest Florida
15201 North Cleveland Avenue, Suite 1100
North Fort Myers, FL 33903
(239) 652-6900
http://www.aaaswfl.org

Your Aging Resource Center
4400 N. Congress Avenue
West Palm Beach, FL 33407
(561) 684-5885
http://www.youragingresourcecenter.org

Aging Disability Resource Center of Broward County, Inc.
5300 Hiatus Road
Sunrise, FL 33351
(954) 745-9567
http://www.adrcbroward.org


Free Load Balancer for IT Admins, Software Developers, DevOps and Open Source Users #free #load #balancer,reverse #proxy,adc,application #delivery #controller,kemp,loadmaster


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Free LoadMaster

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Windows Network Load Balancing (WNLB)replacement

  • Using a free load balancer to replace WNLB not only provides the server and application status awareness for smarter load balancing


Ns – SEO, Expired Domain Tools, Whois Research #whois, #whois #research, #expired #domain, #tools, #seo #tools, #social #tools, #reverse #ip


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675 285 186 Domains in Database

In the last 5 years we built the largest database of websites + expired domain names in the world (comparable only to Domaintools.com from known databases). The Tool.Domains startup has data about 675+ million gTLDs and ccTLDs which makes two hard tasks easy for us:

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Finding good aged high DA domains with natural links for SEO and filtering them through our expired domain tools is really easy. Contact us with your SEO or PBN needs to receive an offer. If you need domains for a private blog network, 301 redirects or other SEO strategies . then contact us! . Our pool is huge but so many domains are being bought that it s diminishing at a fast rate.

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Copyright 2014-2017 Tool.Domains
All Rights Reserved.

The main services Tool.Domains offers


Reverse Mortgages #pa #reverse #mortgage


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Reverse Mortgages

A reverse mortgage is a loan that is only available to homeowners who are 62-years and older. Unlike other mortgage loans, the loan does not have to be repaid in monthly payments. Instead, it has to be repaid when the homeowner/borrower moves out of the house or dies.

The fees tend to be very high. The interest builds up over the years. When the homeowner/borrower moves out or dies, the amount borrowed, plus the fees, plus the interest have to be paid. It is possible then that the family must sell the house or the house goes into foreclosure.

Most reverse mortgages are insured by the federal government, through the Department of Housing and Urban Development (HUD).

Reverse mortgages can be helpful but there are disadvantages and risks. For example, if a senior is already having trouble paying taxes and insurance, a reverse mortgage might be a bad idea. The mortgage company can foreclose if tax and insurance are not paid. Also, seniors should be very careful if the lender wants one of the homeowners taken off the deed. If only one person signs for the loan, the mortgage company can try to foreclose if that person dies.

Seniors should be careful about scams and should seek trusted advice in addition to counseling that is required

What we can do:

CLS will give advice and referrals about reverse mortgages and will sometimes represent people faced with foreclosures on reverse mortgages.

How to get help:

Community Legal Services
North Philadelphia Law Center
1410 West Erie Avenue
Philadelphia, PA 19140
Monday, Wednesday, Friday
9:00 am -12:00 pm

Save Your Home Philly Hotline
(215-334-HOME)

If you are in foreclosure or have received a foreclosure notice


Reverse Mortgage Calculator #loan #modification #program


#calculator mortgage
#

How Much Money Can You Qualify For On A Reverse Mortgage?

Use Our Calculator to Find Out!

Results

Learn how to qualify for this amount by filling out our free consultation form and connecting with a trained loan officer today.

Age: Enter your age, or the age of the youngest borrower on the sliding scale. One person on title to the home must be at least 62 years of age to qualify for a reverse mortgage. With this type of loan, the older you are, the more money you will be able to access.

Home Value: Enter your home’s value on the sliding scale. You don’t need to know the exact amount, an estimated value will provide you with an idea of how much you may qualify for. Once you start on the reverse loan process, an appraisal will be done on your home.

Lien Amount: Enter the amount you still owe on your current mortgage. As with the previous figure, this can be an estimated value.

Once you enter your answers into the reverse mortgage calculator, you will be given a snapshot of how much cash you qualify for. To continue, click the “Get Qualified Today” button to fill out our more comprehensive form. The form is a no-obligation tool that your loan officer will use to better estimate how much you qualify for. Once complete, one of our experienced loan officers will contact you and provide you with more information regarding the loan process. You can review the basic steps of obtaining a reverse mortgage on the Process page.

The amount of money you receive from a reverse mortgage loan can be used however you would like. With this type of loan you are simply borrowing from your home’s equity. One major advantage of a reverse mortgage is that you will no longer need to make monthly mortgage payments. Staying current on taxes and insurance are your only financial obligations.

As far as receiving the cash, you have a few disbursement options. First, you can choose to have the amount you qualify for given in a lump sum. Another option is to set up a line of credit, which gives you flexibility as far as when and how you spend. You can also elect to receive monthly payments. Lastly, you can choose to receive the amount you borrow in any combination of the three options listed above.


3 Ways to Reverse Student Loan Default – Student Loans and Paying for College Blog #loan #calculator #australia


#student loan default
#

3 Ways to Reverse Student Loan Default

When it comes to paying your federal or private student loans, pretending they don’t exist or ignoring those past due notices is not a smart idea. At the first sign of financial trouble, the best thing to do is contact your student loan servicer. If you have a federal student loan, you may be able to reduce your payments by simply changing your student loan repayment plan. or asking for forbearance or deferment of your loans. Private lenders offer fewer options, but may be willing to reduce your payments temporarily, if you contact them prior to missing a payment. It s very important to communicate with your loan servicers and show that you are attempting to repay your debt. Failing to do so can have serious consequences, including student loan default .

If you have federal student loans, you won t be considered in default until you are 270 days late on your payments. Private student loans, on the other hand, are not so forgiving. Each lender has its own rules determining when your loan is in default, and it could be triggered as soon as you miss one payment. Once your loan has gone into default, many unpleasant things can happen. You may be required to pay your loan balance in full (immediately) or have your paycheck garnished, you could face staggering collection fees or have your tax refund seized, and you will definitely lose eligibility for any additional federal aid, including Pell Grants. You will also lose deferment and forbearance options (federal), and could have your social security or disability income seized. In addition, your defaulted loan will appear on your credit report, which may prevent you from obtaining credit cards, car or home loans, or even prevent you from renting an apartment. You could also face higher insurance bills, have difficulty opening up new bank accounts, or be denied employment based on your poor credit.

Fortunately, you do have some options for getting your student loans back on track and out of default.

For Federal Student Loans, You Have Three Basic Options
    Payment in Full – If you pay the total amount owed, including any accrued interest or penalty fees, this will reverse the default status of your loan. Of course, this probably isn t a viable option since you were having difficulty making the smaller payments, but it s the quickest way to get out of default. Even if you can find a way to pay off a portion of the debt, it may help because collection fees (up to 25%) will be applied to your loan balance 120 days after your loan defaults. Consolidation – This option could give you more time to repay your loan and may reduce the amount of collection fees assessed. Before you can consolidate your loan(s), you will need to make a satisfactory repayment arrangement with your loan servicer. Basically, you ll need to make three (3) consecutive payments. After you have made the payments, you must also agree to enroll in either an Income-Based. Income-Contingent. or Income-Sensitive Repayment Plan. The type of plan you select will depend on which type of federal student loan you possess. Keep in mind that if you decide to consolidate your loans you will be charged a fee of 18.5% in collection costs, which must be paid in addition to your principal loan amount and any accrued interest. Rehabilitation – Another way to get your loans out of default is to enter a loan rehabilitation program. Once you make nine (9) qualifying, on-time payments to your guarantor, you will receive a rehabilitation agreement that you must sign and return. Upon notification that your loan has been rehabilitated, it will be transferred to a new lender and servicer. The loan will then be considered in ‘good standing’ and you will continue to make monthly payments to your new servicer. This option also carries a collection fee of 18.5%, but unlike the other two options, the default entry will also be removed from your credit report. Unfortunately, this is a one-time deal, so make sure you keep up with your payments or you won t get a second chance.
Fewer Options for Private Loans

If you have defaulted on a private loan, you will have to contact your lender to discuss modifying your payment terms. Expect to pay any reasonable debt collection costs, as well as the outstanding balance and accrued interest fees. Keep any paperwork you receive regarding your debt, and review your rights when dealing with debt collectors. If you have difficulty communicating with your private student loan lender, you may should contact the Consumer Financial Protection Bureau (CFPB) and ask for assistance or file a complaint.


Reverse Mortgage – Learn About Reverse Mortgages #installment #loans #online


#loan calculator formula
#

Reverse Mortgage

Calculate Your Eligibility

Reverse Mortgage Guides is a reverse mortgage education site. It helps explain many of the pros and cons of HECM reverse mortgages for homeowners.

We publish articles and tools for seniors who are considering a reverse mortgage. Those who want to become fully educated before making a decision. We offer a reverse mortgage calculator and detailed reverse mortgage information.

What is a HECM reverse mortgage?

A reverse mortgage is a type of mortgage loan that the FHA (Federal Housing Administration) insures. This loan is available only to homeowners aged 62 or older.

It is different from all other types of mortgages. A HECM reverse mortgage does not become due for as long as the homeowner lives in the property as their primary residence, continues to pay required property taxes and insurance and maintains the home according to FHA requirements.

According to a 2013 study by the National Council on Aging, reverse mortgages may help seniors to pay daily living expenses. 1


Reverse Mortgage Calculator #3 #month #loans


#calculator mortgage
#

How Much Money Can You Qualify For On A Reverse Mortgage?

Use Our Calculator to Find Out!

Results

Learn how to qualify for this amount by filling out our free consultation form and connecting with a trained loan officer today.

Age: Enter your age, or the age of the youngest borrower on the sliding scale. One person on title to the home must be at least 62 years of age to qualify for a reverse mortgage. With this type of loan, the older you are, the more money you will be able to access.

Home Value: Enter your home’s value on the sliding scale. You don’t need to know the exact amount, an estimated value will provide you with an idea of how much you may qualify for. Once you start on the reverse loan process, an appraisal will be done on your home.

Lien Amount: Enter the amount you still owe on your current mortgage. As with the previous figure, this can be an estimated value.

Once you enter your answers into the reverse mortgage calculator, you will be given a snapshot of how much cash you qualify for. To continue, click the “Get Qualified Today” button to fill out our more comprehensive form. The form is a no-obligation tool that your loan officer will use to better estimate how much you qualify for. Once complete, one of our experienced loan officers will contact you and provide you with more information regarding the loan process. You can review the basic steps of obtaining a reverse mortgage on the Process page.

The amount of money you receive from a reverse mortgage loan can be used however you would like. With this type of loan you are simply borrowing from your home’s equity. One major advantage of a reverse mortgage is that you will no longer need to make monthly mortgage payments. Staying current on taxes and insurance are your only financial obligations.

As far as receiving the cash, you have a few disbursement options. First, you can choose to have the amount you qualify for given in a lump sum. Another option is to set up a line of credit, which gives you flexibility as far as when and how you spend. You can also elect to receive monthly payments. Lastly, you can choose to receive the amount you borrow in any combination of the three options listed above.


3 Ways to Reverse Student Loan Default – Student Loans and Paying for College Blog #bank #student #loans


#student loan default
#

3 Ways to Reverse Student Loan Default

When it comes to paying your federal or private student loans, pretending they don’t exist or ignoring those past due notices is not a smart idea. At the first sign of financial trouble, the best thing to do is contact your student loan servicer. If you have a federal student loan, you may be able to reduce your payments by simply changing your student loan repayment plan. or asking for forbearance or deferment of your loans. Private lenders offer fewer options, but may be willing to reduce your payments temporarily, if you contact them prior to missing a payment. It s very important to communicate with your loan servicers and show that you are attempting to repay your debt. Failing to do so can have serious consequences, including student loan default .

If you have federal student loans, you won t be considered in default until you are 270 days late on your payments. Private student loans, on the other hand, are not so forgiving. Each lender has its own rules determining when your loan is in default, and it could be triggered as soon as you miss one payment. Once your loan has gone into default, many unpleasant things can happen. You may be required to pay your loan balance in full (immediately) or have your paycheck garnished, you could face staggering collection fees or have your tax refund seized, and you will definitely lose eligibility for any additional federal aid, including Pell Grants. You will also lose deferment and forbearance options (federal), and could have your social security or disability income seized. In addition, your defaulted loan will appear on your credit report, which may prevent you from obtaining credit cards, car or home loans, or even prevent you from renting an apartment. You could also face higher insurance bills, have difficulty opening up new bank accounts, or be denied employment based on your poor credit.

Fortunately, you do have some options for getting your student loans back on track and out of default.

For Federal Student Loans, You Have Three Basic Options
    Payment in Full – If you pay the total amount owed, including any accrued interest or penalty fees, this will reverse the default status of your loan. Of course, this probably isn t a viable option since you were having difficulty making the smaller payments, but it s the quickest way to get out of default. Even if you can find a way to pay off a portion of the debt, it may help because collection fees (up to 25%) will be applied to your loan balance 120 days after your loan defaults. Consolidation – This option could give you more time to repay your loan and may reduce the amount of collection fees assessed. Before you can consolidate your loan(s), you will need to make a satisfactory repayment arrangement with your loan servicer. Basically, you ll need to make three (3) consecutive payments. After you have made the payments, you must also agree to enroll in either an Income-Based. Income-Contingent. or Income-Sensitive Repayment Plan. The type of plan you select will depend on which type of federal student loan you possess. Keep in mind that if you decide to consolidate your loans you will be charged a fee of 18.5% in collection costs, which must be paid in addition to your principal loan amount and any accrued interest. Rehabilitation – Another way to get your loans out of default is to enter a loan rehabilitation program. Once you make nine (9) qualifying, on-time payments to your guarantor, you will receive a rehabilitation agreement that you must sign and return. Upon notification that your loan has been rehabilitated, it will be transferred to a new lender and servicer. The loan will then be considered in ‘good standing’ and you will continue to make monthly payments to your new servicer. This option also carries a collection fee of 18.5%, but unlike the other two options, the default entry will also be removed from your credit report. Unfortunately, this is a one-time deal, so make sure you keep up with your payments or you won t get a second chance.
Fewer Options for Private Loans

If you have defaulted on a private loan, you will have to contact your lender to discuss modifying your payment terms. Expect to pay any reasonable debt collection costs, as well as the outstanding balance and accrued interest fees. Keep any paperwork you receive regarding your debt, and review your rights when dealing with debt collectors. If you have difficulty communicating with your private student loan lender, you may should contact the Consumer Financial Protection Bureau (CFPB) and ask for assistance or file a complaint.


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#best home loan rates australia
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RBA Cash rate changes in past 5 years:

What is best fixed rate home loan ?

Bank offer very lower rate on introductory interest rate to sign up new clients to their home loans. But if client does not have any historical record about their usual interest rates, that means they are signing up for something very expensive without any prior knowledge.

To select the best fixed rate home loan, we need to understand the current market situation in term of reserve bank cash rate. If the cash rate is at usual state, or lower than usual state, it means it is risk free to take a fixed rate home loan. Some times when the cash rate remains too low, at that period of time variable rates from banks become lower than previous years fixed rate, or a fixed rate from year before. As a result it is lower in risk factors to take home loan at maximum of 3 years fixed rate. In most cases difference between total savings in 3 years on interest from a 3 years fixed rate home loan with total savings on interest from a 5 years fixed rate home loan is insignificant.

Considering above it is lower in risk to have maximum 3 years fixed rate home loan to have best benefit on interest. And it is better not to have a fixed rate home loan when cash rate is at pick stage and it is obvious the cash rate will be reduced by next year or so.

Click here to find current home loan interest rate offers.

What portion of home loan should be on 3 years fixed rate home loan ?