Instant Cash Loan – No Checking Account Needed?

Getting an instant cash loan is something that many Americans desire during the current recession.  Many of these Americans have no checking account but still need money; is this possible?  If you have access to an instant payday loan company that is not internet based you have a great chance to get instant money without a checking account.  Online payday loans prefer to wire to a checking account but payday loan companies with physical address can just give you cash. [more...]

Date: 2009-10-01 17:37:12

Blog posts (164) | Videos (130)
 

Best Mortgage Rate Getting the Best Mortgage Rate

John Velazco Getting the best mortgage rate is perhaps the top priority factor for anyone who is planning to apply for a loan to buy a house or a property where a dream house can be built. But not to forget getting the best deal depends on a lot of factors which are the credit score, the market economy status, the amount of money to be paid as down payment and various other reasons. [more...]

Date: 2009-10-01 14:40:24

Bank of America Refinance Mortgage Rates – Rates Remain Under 5%

Bank of America refinance mortgage rates continue to stay below the 5% mark for the conventional 30 year fixed mortgage rate.  After the Federal Reserve Bank meeting last week many analysts were predicting that mortgage interest rates would move higher.  With the Fed announcing that they were going to stop buying US Treasuies many thought this would help to push mortgage rates higher; this did not happen at all. [more...]

Date: 2009-10-01 11:50:18

Let Me Tell You About The Loan You Could Have Had

Not interested? Most people aren't when it's talking about how they got taken advantage of in the past. First off, it's in the past so it is over and done with, and there's no use dwelling on it, right? Second, there's the ego thing. Nobody who's been bragging about what a great deal they got likes to find out they've been had. Taken for a ride [more...]

Date: 2008-12-18 15:00:47

First Time Home Buyers: Is Time Running Out?

> The stimulus tax credit of $8,000 for first time home buyers expires on November 30, 2009.  That means your new house has to be signed, sealed, and delivered by the last day of November if you expect to qualify for the federal tax credit.  Is it possible to buy a house, have it inspected, appraised, the financing in place and all closing documents final?  Maybe, maybe not. [more...]

Date: 2009-09-30 16:30:51

Understanding The Home Mortgage Calculator

Contrary to popular belief, home mortgage calculators do not wear suits and ties and sit behind an abacus all day trying to determine how much a ... gives them a lower credit score, they will need to know how much they will be charged to make ... potential homeowner’s mortgage payment is going to be. Although in the early days of banking [more...]

Date: 2009-01-16 09:38:50

It’s time to refinance ~ but is your home worth enough to get that great low rate?

Short sales, Bailouts, Mortgage Reductions…there are all kinds of programs being talked about, ... .  But I have a question.  What about the homeowner who has never missed a payment, has a great credit score ... it would be simple with a history of a lifetime of great credit, right?  Nope.  Not if your home [more...]

Date: 2009-01-17 04:16:58

Best Mortgage Rate – Getting the Best Mortgage Rate

Getting the best mortgage rate is perhaps the top priority factor for anyone who is planning to apply for a loan to buy a house or a property where a dream house can be built. But not to forget getting the best deal depends on a lot of factors which are the credit score, the market economy status, the amount of money to be paid as down payment and various other reasons. [more...]

Date: 2009-10-01 14:22:19

Best Mortgage Rate – Getting the Best Mortgage Rate

Getting the best mortgage rate is perhaps the top priority factor for anyone who is planning to apply for a loan to buy a house or a property where a dream house can be built. But not to forget getting the best deal depends on a lot of factors which are the credit score, the market economy status, the amount of money to be paid as down payment and various other reasons. [more...]

Date: 2009-10-01 14:22:19

More CRA Idiocy

Howard Husock has an exercise in cognitive dissonance in today’s NYT Op-Ed pages titled Housing Goals We Can’t Afford, and it begins: ... in all communities. Credit Score, Loan-to-value, percentage ... certain neighborhoods. If you lived within the redlined areas, regardless of your income, credit score [more...]

Date: 2008-12-11 16:05:13

Best Mortgage Rate ? Getting the Best Mortgage Rate

Getting the best mortgage rate is perhaps the top priority factor for anyone who is planning to apply for a loan to buy a house or a property where a dream house can be built But not to forget getting the best deal depends on a lot of factors which are the credit score, the market economy status, the amount of money to be paid as down payment and various other reasons [more...]

Date: 2009-10-01 14:41:31

FHA Mortgage Insurance Fund Down 40%

Mortgage Law Central reports today on FHA’s Oversight Capability.  The House Committee on Financial Services held a hearing to look into the recent Business Week story alleging that predatory lenders are alive and well originating FHA loans. The committee listened to testimony from HUD on the approval process for FHA lenders, [more...]

Date: 2009-01-14 22:30:06

Subprime Defaults Are Just The Beginning

If you thought we were almost done with the collapse of the mortgage market, you are sadly mistaken. Last night 60 minutes did a piece about the looming wave of mortgage defaults, Alt-A and option ARMs. While, as Scott Wilson outlines below in his guest post on Your Mortgage or Your Life, 60 minutes did not do a fabulous job on this story, [more...]

Date: 2008-12-15 23:37:29

Things You Tend Not To Spend Much Time Thinking Seriously About When Making A Decision To Relocate

I have had this item on my blogging to-do list for probably 18 months now, without attempting to address it ... accounts and getting local credit cards. You see, your check - or should I say cheque? - drafted ... s start with credit history, something discussed in this blog a long time ago. Or, rather, your lack [more...]

Date: 2009-01-15 20:29:06

Online Payday Loans – Instant Cash Approval Today

Online payday loans are getting extremely popular.  Getting an instant cash approval today is something many hard working Americans desire to make ends meet financially.  No matter how hard we work it seems there are always bills that go unpaid.  One way to get some quick cash to assist you is to get an online payday loan.  Even if you have bad credit, it is very likely that you can get an online payday loan. [more...]

Date: 2009-10-01 14:44:15

Charlottesville Real Estate–Mortgage Options

Charlottesville Real Estate–Mortgage Options Posted by Fulton Gaylord under For Buyers, Regional News, Charlottesville Mike Platt, ... and currently it requires a 620 credit score for this option. Many areas of the country are in “declining ... my Senior Loan Specialist with MetroCities, recently sent me the following information pertinent [more...]

Date: 2009-01-10 13:46:31

Government Mortgage Refinance Plan – Saving Money with a Lower Rate

The Government mortgage refinance plan Making Home Affordable was created to help you save money with a lower mortgage interest rate.  Over the last year, mortgage rates have dropped over a full percentage point and most home owners could greatly benefit from having a low mortgage rate on their home loan.  Even though credit scores have dropped over the last year, many home owners still have had the opportunity to refinance at lower rates. [more...]

Date: 2009-09-30 14:58:06

What Can You Do if You Have Problem Fixing Your Credit Report?

Have you ever had a problem that just won’t be resolved? The endless phone calls, letters and hours of worry can really start to get to you ... it to the credit bureau. It will be added to your credit report at no charge. The law, through the Equal ... . Often, there are mistakes made on credit reports that are difficult to correct. Perhaps someone [more...]

Date: 2009-01-16 07:34:40

Mortgage Rates — More Changes Coming Soon!

Mortgage rates have improved but continue to be volatile.  Today’s rates are actually up about 0.125% from yesterday ... properties).  The conforming rate quote below is based on owner occupied with a mid-low credit score ... ?  Those with 40% down (home equity), 740 plus credit scores with taxes and insurance included [more...]

Date: 2009-01-09 21:22:08

Equity Line of Credit:Is this the Answer to Your Financial Needs?

by Doc Schmyz We all know by now that home owners have a hidden savings account…its called HOME EQUITY ... Line of Credit? With a typical loan, which deposits a set amount of money in your account and begins ... lots of uses for a line of credit loan…but here are some of the most common examples. Consolidate [more...]

Date: 2009-01-05 19:12:07

If You Have Bad Credit, Can You Still Get A Mortgage?

“If you have bad credit, can you still get a mortgage?” Generally speaking - no. Or maybe I should say “not until you fix your credit” ... with these companies. The end result? I see someone who has a poor enough credit score (below 580 ... who has a high enough credit score to qualify for a mortgage “graduating” from their programs. Common [more...]

Date: 2009-01-14 23:32:50

WaMu’s New $1 million 5-year 1% Balloon Loan (mod) - $878 Per Month!

1/5/09 - EFFECTIVE IMMEDIATELY - Modified Loans are Ineligible For Fannie/Freddie Refi’s, while FHA MAY Be Eligible ... or short payoff is a mortgage loan in which the terms of the original transaction have been changed ... of principal and/or interest on either the first or second mortgage; Application of a principal [more...]

Date: 2009-01-12 17:52:15

Mortgage Loan Modification – Obama’s Making Home Affordable Refinance Plan

Mortgage loan modification is a process that many home owners have gone through or plan to go through in the near future.  President Obama’s Making Home Affordable refinance plan was created to help home owners avoid foreclosure and stay in their homes.  He realizes that foreclosure is not good for anyone or the economy so he is doing everything in his power to help you stay in your home. [more...]

Date: 2009-09-30 19:45:23

An AP Stats Lecture

Because yesterday's hearing ran so late, I missed my AP stats class. Here is the way I would explain what went on to my students ... has a credit score, called a FICO score (FICO is an acronym for Fair, Isaac Company, the name of the leading credit scoring firm). Oversimplifying, let us say that a credit score of 660 is the cutoff [more...]

Date: 2008-12-10 14:20:10

Bad Credit Financing – Unemployed and Need Money?

Bad credit financing is something that many unemployed Americans are looking for to get money help.  If you are unemployed and cannot find a way to make ends meet financially by getting a bad credit loan it might make things a little bit easier.  The issue at hand is the fact that getting a bad credit loan can sometimes be hard if you have no proof of income. [more...]

Date: 2009-09-29 23:02:25

Economic Diffusion Works

Get out of your feed reader and comment on this post- we PROMISE that the ShamWow guy won\'t pop out when you do.. ... or limited credit. Fannie Mae and Freddie Mac maintained the bulk of the rest of the mortgage market. A borrower needed good credit and at least a 3%-5% down payment (or equity) to secure a mortgage [more...]

Date: 2008-12-14 16:16:41

Bad Credit Unsecured Personal Loans – Credit Score Repair Helps

Bad credit unsecured personal loans can greatly assist you in making ends meet financially.  The one thing that most borrowers worry about when it comes to personal loans is the interest rate.  To lower your interest rate credit score repair greatly helps.  It is very surprising how many borrowers attempt to get a personal loan without even knowing their credit score. [more...]

Date: 2009-09-29 22:33:44

Online Mortgage Brokers | ArticlesBase.com

Online mortgage brokers ease through the process of applying for a home mortgage loan. Say you are a borrower willing to purchase a house, irrespective of the credit score and the amount of loan required for the purchase of the house, the mortgage broker is in a position to arrange for the fund, choosing amongst the various loan options available in the market. Continue reading here: Online Mortgage Brokers | ArticlesBase.com [more...]

Date: 2009-10-01 14:28:12

Bad Credit Don’t Have To Worry

As someone who always concern to the public issues today, I do feel sorry about crisis global nowadays ... bad is your bad credit score today ? Do you think that you can die because you can’t pay your bills ... than perfect credit could found a way to find a loan online. Don’t be worry anymore, and I can’ [more...]

Date: 2009-01-12 04:48:51

Devise your own Credit Repair Plan

by Rob Kosberg You found yourself in a very bad financial situation. You may feel emotional, hopeless, guilty or all of them ... to get your financial life in order. You need to look long and hard at your credit use and spending ... . You will start by collecting all your credit reports, bill payment statements, and credit card [more...]

Date: 2009-01-14 23:53:58

Workable real estate deals may require even more creativity

This is my column for this week from the Arizona Republic (permanent link) ... can help his buyers accumulate a down-payment, perhaps working with them to improve their credit score at the same time. The investor gets a higher purchase price, the buyers get a lower monthly payment [more...]

Date: 2008-12-20 14:25:56

Workable real estate deals may require even more creativity

This is my column for this week from the Arizona Republic (permanent link) ... can help his buyers accumulate a down-payment, perhaps working with them to improve their credit score at the same time. The investor gets a higher purchase price, the buyers get a lower monthly payment [more...]

Date: 2008-12-20 14:24:47

It Is Illegal Under RESPA to Require Even Prequalification With a Particular Lender

RESPA no person shall give and no person shall accept any fee, kickback, or thing of value pursuant to any agreement or understanding, oral or otherwise, that business incident to or a part of a real estate settlement service involving a federally related mortgage loan shall be referred to any person [more...]

Date: 2008-12-16 14:43:35

Lending Club P2P: Review of New Post-SEC Changes, Free $25 Lender Bonus

Now that LendingClub has finished their SEC filing and is one of the only P2P lenders currently operating ( ... t be from the following 8 States: Idaho, Indiana, Iowa, Maine, Nebraska, North Carolina, North Dakota ... in the past 12 months, * no more than 10 inquiries on your credit report in the last 6 months [more...]

Date: 2008-12-14 14:30:58

Debt And Bill Consolidation

Debt and bill consolidation is the practice of paying off many loans with one loan ... the chances of missing a payment, which could adversely affect one’s credit score. Sometimes, debtors ... . There can be sizeable gains from reduced interest rates, since credit card interest rates are substantially higher [more...]

Date: 2009-01-16 13:16:08

Homeowner Loans for Everyone

A homeowner loan is a loan that is given against the security of a house. Your house acts as collateral when you take out a homeowner loan ... . By offering a house as collateral, a person having a bad credit score can obtain a bad credit loan ... is replacing high rate unsecured loans and credit card bills with a low rate secured loan. Therefore [more...]

Date: 2009-01-16 23:02:29

Devise your own Credit Repair Plan

by Rob Kosberg One day you realize that you are in a serious personal financial disaster situation ... the effort and take the time to get your money management and credit use habits back on track ... repair plan for yourself. You will start by collecting all your credit reports, bill payment statements [more...]

Date: 2009-01-14 23:03:41

Selecting From These Monthly Magnificent 7 For Round 2.

Pipe in if you want. LarThese are the final monthly nominees to compete to go on to round two ... For A Mortgage When One Spouse Has A Low Credit Score  By Searchlight Crusade: here are several ... must qualify, credit score-wise. The way around this is a quitclaim to the spouse who has a good [more...]

Date: 2009-01-15 10:19:45

Stopping Foreclosure Through Lender Mediation

by Tomasheus Privetsky You’ve had more than your share of difficulties in the last few months ... A Workout Of Your Loan If you have missed a few payments, your credit score will drop dramatically; once this data is on your credit report, it will be difficult if not impossible to get a new loan [more...]

Date: 2008-12-19 22:27:21

Carnival of Debt Reduction: Tips via Twitter Edition

Welcome to the Carnival of Debt Reduction, a traveling weekly roundup of the best articles in the blogosphere covering credit cards, consumer debt, ... of credit scores on loan qualification and the best use of credit cards to maintain a high credit ... finances by closing credit card accounts that have been inactive. PFR from Personal Finance Reviews [more...]

Date: 2009-01-12 13:00:59

Fast Personal Loans for Bad Credit – Better than Payday Loans

Fast personal loans for bad credit are a way to get money without having to get a payday loan.  Sometimes payday loans are much quicker than personal loans but you have to pay the entire payday loan back with your next paycheck and it is often limited to $1500 or less.  With personal loans you will pay a monthly payment much like a mortgage or car loan and you have much more borrowing power; sometimes up to $25,000. [more...]

Date: 2009-09-30 21:47:37

Debt Consolidation with a Line of Credit

Debt consolidation can take many forms. One of these is a flexible type of loan called a line of credit debt consolidation loan ... an improvement to your credit score. Another benefit of the line of credit, is that it may also offer ... payment history will also help your credit score. There are a few dangers and disadvantages to lines [more...]

Date: 2009-01-17 04:44:47

It’s That Time Again: Check Your Annual Credit Report

If you are new to No Debt Plan this may be a new feature for you. Every three months I post up a quick reminder to check your annual credit report ... not be named is the government mandated Annual Credit Report website. Through this site you can access ... the life of the loan. How to Check Your Annual Credit Report For starters I refuse to link [more...]

Date: 2009-01-14 13:00:17

Do you really need a home equity line of credit?

by Doc Schmyz If you own your home you have a financial resource available to you that can help you with your financial needs or concerns ... Would You Want an Equity Line of Credit? Unlike a typical loan which deposits a set amount of money ... access to that credit agian, once it has been repaid, without asking for another loan [more...]

Date: 2009-01-14 10:28:55

Home Mortgage: 3 Things to Know to Get Low Interest Rates

As a homebuyer, there are many things you have to do but the most important one is to find the lowest home mortgage loan rates possible When applying for a loan, having a high credit score will allow you to get a number of options to choose from Even if this will allow you to be more selective when choosing your home mortgage loan, it won't [more...]

Date: 2009-01-16 16:00:00

A Review of Free Credit Report

More and more people have got a credit card now. It is very easy and convenient to pay for bills with credit card ... . Let me introduce you Credit Nexus, one of the biggest free credit report providers online, which can offer you 3 in 1 credit report. What does 3 in 1 means? People always ask this question. Maybe [more...]

Date: 2009-01-11 12:16:50

Bad Credit Payday Loans – Instant Approval Cash Loans Today

Bad credit payday loans are one of the quickest ways to get instant approval cash today.  Many payday loan companies that are online will allow you to get approved in 15 minutes and wire you cash within 24 hours.  Very few other loan options give you this luxury.  With this, please realize that you are going to end up paying for it in the form of fees and interest. [more...]

Date: 2009-09-30 02:58:29

Carnival of Real Estate 124th Edition

This week, RE Revealed celebrates our last time hosting the Carnival of Real Estate which is where real estate bloggers around the globe’s ... Michael Emilio Rodriguez’s “How to Use Public Records for Real Estate Success“ The Mortgage Reports’ “Fannie Mae Adds Loan-Level Pricing Adjustments [more...]

Date: 2009-01-12 21:49:01

Satan Has A 350 Credit Score

By John Rasor indulgence, greed and envy can take over and send your credit in a downward spiral. The lowest credit score you can have is a 350 ... , gluttony and being a debtor with outright disrespect to the creditor can earn you a bad credit rating. I have personally never seen a 350 credit score but supposedly they do exist. If you have bad cred [more...]

Date: 2009-01-16 22:01:48

You Can Implement your own Credit Repair

by Rob Kosberg One day you realize that you are in a serious personal financial disaster situation ... you. Remember that there are 3 major credit reporting bureaus and you need all 3 reports. You must make sure ... the effort and take the time to get your money management and credit use habits back on track [more...]

Date: 2009-01-14 23:27:42

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