Whats it take and whats it involve? How long does it take to get the loan money if I take out a loan against my taxes?
How do I take out a loan against my taxes?
Don't bother.
Places like H%26amp;R Block will do that. But their fee for the tax preparation and interest eats away at your refund check. Basically, you take in any of your tax information and have them prepare your taxes. They write you a check for your refund, less interest, less their fees.
File yourself electonically. Turn around for that is usually 2 weeks.
Reply:You would be better off borrowing from a loan shark. Their has to be a better way.
Reply:Visa and MasterCard usually offer better rates. If you can't get a credit card, you don't want a loan either.
tanning
Saturday, October 24, 2009
Is it possible to get a loan for a stock trading account?
I'm new to trading. I've taken a class in options trading and am reading everything I can on trading, timing, money management etc. I want to start out with a sizeable account ~$20,000.00 so I won't get knocked out quickly while I'm getting the feel for the market. Is it possible to get a loan for these purposes? Since stock trading can be considered a business does anybody know if there is a small business-type loan for stock trading purposes. Any help would be of great help. I know I will be able to perform well in the market. But it is difficult to save a sizeable trading account when you have bills, mortgage etc. Thanks
Is it possible to get a loan for a stock trading account?
I would say..Don't Do It !!! By taking a loan, you are already down the interest you will have to pay back. And if the market goes flat and you take losses, then you will being paying back a loan for nothing. Never invest on a loan.
I know you don't want to hear that, but it makes no finacial sense at all. Get a second job and invest your earnings. If you have a 401 K plan at work and it matches your contributions, use that first (that's a 100% return right there) there are plenty of ways to do this without taking a loan.
Reply:Take out a home equity line of credit. If it costs you 7% and you can make 15%, then you are ahead 8%. Just tell the bank you want to make home improvements. Then, just write checks to yourself and forward the money to your brokeage account.
Reply:It's called buying and selling on Margin but it's quite risky.
Reply:No, you can not borrow money to trade in the markets. However, if you tell the bank or any other lender that you want a home loan, then use the money for trading, they really will not know.
Also once you have a fully paid account with a brokerage account, lets say $100,000 worth of stock, you can then borrow 50%, of that value, or in this case $50,000 and use that money for trading options. This is called margin trading and can be risky. The 50% that you borrow, must be paid back either with cash or by selling the stocks in your portfolo.
Is it possible to get a loan for a stock trading account?
I would say..Don't Do It !!! By taking a loan, you are already down the interest you will have to pay back. And if the market goes flat and you take losses, then you will being paying back a loan for nothing. Never invest on a loan.
I know you don't want to hear that, but it makes no finacial sense at all. Get a second job and invest your earnings. If you have a 401 K plan at work and it matches your contributions, use that first (that's a 100% return right there) there are plenty of ways to do this without taking a loan.
Reply:Take out a home equity line of credit. If it costs you 7% and you can make 15%, then you are ahead 8%. Just tell the bank you want to make home improvements. Then, just write checks to yourself and forward the money to your brokeage account.
Reply:It's called buying and selling on Margin but it's quite risky.
Reply:No, you can not borrow money to trade in the markets. However, if you tell the bank or any other lender that you want a home loan, then use the money for trading, they really will not know.
Also once you have a fully paid account with a brokerage account, lets say $100,000 worth of stock, you can then borrow 50%, of that value, or in this case $50,000 and use that money for trading options. This is called margin trading and can be risky. The 50% that you borrow, must be paid back either with cash or by selling the stocks in your portfolo.
What are the chances of a car dealership financing a loan for me?
i'm really new to this, ive only asked a couple friends and gotten a little bit of information. so in june im moving to a new state, and i want to get a car - right now i dont have the money to flat out buy one its not an option. i have a job lined up for me, and i have a credit card thats always been paid off, but thats about the extent. im only 20 years old. would a dealership be willing to work with me so i could make payments on a car? im not looking for expensive - 5-8k is fine with me. also, a bank wouldnt give me a loan, i dont have collateral, and my mom cant co sign, she doesnt have the best credit. so basically im 20, i'll have a job, but i dont have money for a down payment or to flat out buy a car - will a dealership be likely to work with me on this?
What are the chances of a car dealership financing a loan for me?
No job probably means no car.
Again; without being employed most places won't even take an application.
Reply:Anything's possible; but I'd try and save a down payment and get a few months on the job first. There's a big problem with sub-par predatory lending for vehicles right now, and you don't want to get into that trap.
Reply:Go to a dealer that has a car you want and see what kind of deal you can get. You don't have to take it if it's not what you are looking for.
Your only stuck with it once you sign the final paperwork.
Reply:I highly doubt it for the fact they usually look at work history. You need to be at a job for at least a year. They want to make sure you wont screw them. If for some reason they do...it will come with a price...money down...and probably high interest rate.
Reply:no job? just say u have a job and give them ur friends number and if they call have your friend answer them..... car dealers usually will find you some1 to finance you but if you want a good rate .... you local credit union usually have the best rates .... check it out shop around, but you local credit union will give you the best rate .....
What are the chances of a car dealership financing a loan for me?
No job probably means no car.
Again; without being employed most places won't even take an application.
Reply:Anything's possible; but I'd try and save a down payment and get a few months on the job first. There's a big problem with sub-par predatory lending for vehicles right now, and you don't want to get into that trap.
Reply:Go to a dealer that has a car you want and see what kind of deal you can get. You don't have to take it if it's not what you are looking for.
Your only stuck with it once you sign the final paperwork.
Reply:I highly doubt it for the fact they usually look at work history. You need to be at a job for at least a year. They want to make sure you wont screw them. If for some reason they do...it will come with a price...money down...and probably high interest rate.
Reply:no job? just say u have a job and give them ur friends number and if they call have your friend answer them..... car dealers usually will find you some1 to finance you but if you want a good rate .... you local credit union usually have the best rates .... check it out shop around, but you local credit union will give you the best rate .....
I need to repay a student loan. My husband is claiming me on his taxes Can they hold his refund because of me?
I have no income but I have defaulted on a student loan. My husband is claiming me on his taxes. Because of my default on the loan can his refund be held?
I need to repay a student loan. My husband is claiming me on his taxes Can they hold his refund because of me?
Well your husband is not claiming you, you are probably filing Married Filing Jointly. If you are in default of a Student Loan they can apply the Refund Check to the default. However, your husband can file an Injured Spouse Petition and he would be able to get his portion of the refund back. How much he would get allocated back could be dependent on your state.
.
Reply:yes, and they probably will, are you married filling jointly? I bet you are.
I need to repay a student loan. My husband is claiming me on his taxes Can they hold his refund because of me?
Well your husband is not claiming you, you are probably filing Married Filing Jointly. If you are in default of a Student Loan they can apply the Refund Check to the default. However, your husband can file an Injured Spouse Petition and he would be able to get his portion of the refund back. How much he would get allocated back could be dependent on your state.
.
Reply:yes, and they probably will, are you married filling jointly? I bet you are.
How long after being overdrawn should i wait until i apply for a loan?
I am 18 and I have only been overdrawn once, and this was not my fault as a phone company took money from my account without my consent, i have sorted this out with the phone company who are now paying my bank charges. However i applied for a loan, and was denied due to being overdrawn. How long should i wait now until i apply for a loan? Tad annoying as i didnt get myself overdrawn in the first place!
How long after being overdrawn should i wait until i apply for a loan?
as soon as you have written proof it was all the phone company's fault that this proof and march in to the loan officer and apply!!!
floral
How long after being overdrawn should i wait until i apply for a loan?
as soon as you have written proof it was all the phone company's fault that this proof and march in to the loan officer and apply!!!
floral
How difficult to obtain small business loan?
Let's say I want to start a small investment firm. I have a decent credit score (680-700 FICO) and reasonable outstanding debt (about $9,000 total). I also have a steady job making $55k now. I want to borrow $50,000 to start my side-project. How difficult is it to get an unsecured loan for that type of business? Am I dreaming or is it possible to get a loan of this size with a decent interest rate?
How difficult to obtain small business loan?
One thing you can take away from the answers to your question is never apply for a loan with a person that has a free e mail address. Any reputable lender will have their own web page.
Reply:it'd be better if you were debt free, especially as things are right now. But you can try, good luck.
How difficult to obtain small business loan?
One thing you can take away from the answers to your question is never apply for a loan with a person that has a free e mail address. Any reputable lender will have their own web page.
Reply:it'd be better if you were debt free, especially as things are right now. But you can try, good luck.
If I apply for a student loan or a personal loan, does that affect my financial aid?
I'm thinking about getting a loan for personal issues, but was wondering if that will affect my financial aid award amount? Do I need to tell financial aid or it isn't necessary?
If I apply for a student loan or a personal loan, does that affect my financial aid?
A personal loan is not something that is reported as income--not on your taxes or FAFSA. This should not affect your student loan amount and you don't have any obligation to report it to your financial aid office as it is not income.
I actually got a loan for my honeymoon while I was still in school and I didn't report it to anyone! Honestly, what might be a better option if you can is take out as many student loans as you can and use the extra not needed for school to pay the other stuff. The interest rates on the student loans are capped (at least the ones issued by the government) and are usually better than the private ones.
Hope this helps.
Reply:I'm assuming you are talking about private/alternative loans because any federal loans would go through your school.
More than likely your school will find out about it. Once that happens, the financial aid staff will check your financial need. If you don't have any need, the school will not certify you for the loan. If you do have need, then chances are you will be certified for whatever need you have. There are still lenders out there that look for students who want to borrow money without the schools knowledge, but their rates and terms will not compare to a loan certified by the school.
If I apply for a student loan or a personal loan, does that affect my financial aid?
A personal loan is not something that is reported as income--not on your taxes or FAFSA. This should not affect your student loan amount and you don't have any obligation to report it to your financial aid office as it is not income.
I actually got a loan for my honeymoon while I was still in school and I didn't report it to anyone! Honestly, what might be a better option if you can is take out as many student loans as you can and use the extra not needed for school to pay the other stuff. The interest rates on the student loans are capped (at least the ones issued by the government) and are usually better than the private ones.
Hope this helps.
Reply:I'm assuming you are talking about private/alternative loans because any federal loans would go through your school.
More than likely your school will find out about it. Once that happens, the financial aid staff will check your financial need. If you don't have any need, the school will not certify you for the loan. If you do have need, then chances are you will be certified for whatever need you have. There are still lenders out there that look for students who want to borrow money without the schools knowledge, but their rates and terms will not compare to a loan certified by the school.
What are the ramifications of walking away from a ARM loan?
After talking with a financial advisor, I've come to the conclusion that walking away from a owned condo in SoCal may be financially beneficial. Can I be sued? How long will my credit be ruined? (I'm not planning on buying again anytime soon and have two cars paid off so I wont need a loan soon). What kind of lawyer should I discuss this matter with?
What are the ramifications of walking away from a ARM loan?
you will be foreclosed upon, and probably get a deficiency balance judgment against you. It is better to sell the home for the balance owed, than to walk away.
Reply:Not only will they forclose on you, possibly sue you for the loss, there is a tax burden you will have to consider. I beleive that you can be taxed on the difference between what you owe as a payoff plus all fees/costs incurred by the mortgage company to sell your condo and the actual price the condo sells for. As an example, if you still owe 500K, and the mortgage companies fees for selling the property add another 50k, if the property sells for 400k you will owe taxes on the 150k "profit" you made on the sale.
Reply:If refinancing at the current 5.5% is not an option then you have to realize that a foreclosure is going to effect you for at least 7 to 10 years. In the future, if you want to own then you will have to either pay cash, assume a loan which is rare these days and limits your choices or do owner financing which is dangerous if the owner doesn't pay.
You won't be sued.
Reply:The fees keep adding up along with the interest - it goes into foreclosure and is auctioned off - most likely sold for less than the loan plus those added fees - then the loan company pursues you for that difference. It stays on your credit report till it is cleared - on Realtor friend said 7 years like a bankruptcy. Some people planning to do this will buy another house first because they will not be able to qualify for such a long time after. Won't the loan company renegotiate? They are supposed to try to work their own problems out - so give that a try.
Reply:The immediate ramification is foreclosure and a torpedoed credit record. You may find it difficult to rent, obtain consumer credit or even get employment. Have you tried to restructure the loan with your lender?
What are the ramifications of walking away from a ARM loan?
you will be foreclosed upon, and probably get a deficiency balance judgment against you. It is better to sell the home for the balance owed, than to walk away.
Reply:Not only will they forclose on you, possibly sue you for the loss, there is a tax burden you will have to consider. I beleive that you can be taxed on the difference between what you owe as a payoff plus all fees/costs incurred by the mortgage company to sell your condo and the actual price the condo sells for. As an example, if you still owe 500K, and the mortgage companies fees for selling the property add another 50k, if the property sells for 400k you will owe taxes on the 150k "profit" you made on the sale.
Reply:If refinancing at the current 5.5% is not an option then you have to realize that a foreclosure is going to effect you for at least 7 to 10 years. In the future, if you want to own then you will have to either pay cash, assume a loan which is rare these days and limits your choices or do owner financing which is dangerous if the owner doesn't pay.
You won't be sued.
Reply:The fees keep adding up along with the interest - it goes into foreclosure and is auctioned off - most likely sold for less than the loan plus those added fees - then the loan company pursues you for that difference. It stays on your credit report till it is cleared - on Realtor friend said 7 years like a bankruptcy. Some people planning to do this will buy another house first because they will not be able to qualify for such a long time after. Won't the loan company renegotiate? They are supposed to try to work their own problems out - so give that a try.
Reply:The immediate ramification is foreclosure and a torpedoed credit record. You may find it difficult to rent, obtain consumer credit or even get employment. Have you tried to restructure the loan with your lender?
Can i get a mobile home loan with 6 months of good credit history?
Here is my situation:
I have 6 months of good credit card history, but nothing else
I own 2 acres of completely paid off land
I am 20 years old
Someone told me that i need 3 years of credit history to get a home loan. Is this true?
I am expecting to pay about 25% down payment, but I just want to make sure that i can get a loan without a co-signer.
Can i get a mobile home loan with 6 months of good credit history?
From what I have seen and read as long as you own the land that the trailer is going to sit on and budget for the payment you should have no problems getting the loan.
You will have to put up your land as collateral but that's how it works.
purchase flowers
I have 6 months of good credit card history, but nothing else
I own 2 acres of completely paid off land
I am 20 years old
Someone told me that i need 3 years of credit history to get a home loan. Is this true?
I am expecting to pay about 25% down payment, but I just want to make sure that i can get a loan without a co-signer.
Can i get a mobile home loan with 6 months of good credit history?
From what I have seen and read as long as you own the land that the trailer is going to sit on and budget for the payment you should have no problems getting the loan.
You will have to put up your land as collateral but that's how it works.
purchase flowers
How do i go about applying for a new business loan?
I am starting a new business by buying and reselling consumer electronics, what do i need to obtain a new business loan or a grant.
What do the banks look at before getting you approved?
How do i go about applying for a new business loan?
Some banks extend what they call "small business lines of credit" often through credit cards. Those are easier to get and can be based on your credit history alone. They typically are up to $100,000.
For example, Wachovia's has various business lines of credits http://www.wachovia.com/small_biz/page/0... Their business line of credit can even be approved overnight,
However, if you're applying for a loan and if it is a big amount, banks and even the Small Business Administration may consider other factors aside from your business credit:
- A business plan explaining what the business is
- Your background and experience in the business -- in my experience, this is KEY in the eyes of the bank because they want to make sure that you know what you are doing and that you can make the business work. If you don't have any experience with the business, have someone on board that knows the business to give banks assurance that someone will guide you
- Your credit factors because it shows your dependability and how well you handle credit. They will do a credit check on you and poor credit history may be frowned upon, or even reason for the disapproval of your loan application
- Your collateral. Banks, even SBA guaranteed loans, want the borrower to show collateral. They want to be guaranteed that somewhere somehow they can get payment from you
- Condition or terms of loans. Banks would want to know three important things: "How much money are you requesting? What will it be used for? and For how long will it be needed?" Banks oftentimes prefer to approve loans for items that can be identified, has lasting value, and can be repossessed and sold if things fail.
- Equity investment - no bank will give you 100% of the amount you need. They want to see you put your own money into the business, even as much as 20% or even higher.
Aside from banks I suggest you consider microloan providers. They typically fund up to $30K Read about the SBA Microloan Program http://www.sba.gov/financing/sbaloan/mic... and you can find SBA Accredited Microloan Providers here http://www.powerhomebiz.com/vol145/micro...
Forget about grant money. It is hard to find grants to start a business -- especially for the type of business you are thinking of. Unlike the myths that some perpetuate, federal government and even private foundations hardly give grant money for starting a for-profit business.
Reply:Don't do it that way. You don't want to start out a business in debt because your first year will be the hardest. Banks look for equity to back the loan. Do you want to lose your house?
Do it like this: Work for someone who has a business like the one you want to start. Doing that will earn your start-up money and at the same time you will be "learning on the job:" and better able to do it right the first time.
Reply:friends your visit in this site best da flack
What do the banks look at before getting you approved?
How do i go about applying for a new business loan?
Some banks extend what they call "small business lines of credit" often through credit cards. Those are easier to get and can be based on your credit history alone. They typically are up to $100,000.
For example, Wachovia's has various business lines of credits http://www.wachovia.com/small_biz/page/0... Their business line of credit can even be approved overnight,
However, if you're applying for a loan and if it is a big amount, banks and even the Small Business Administration may consider other factors aside from your business credit:
- A business plan explaining what the business is
- Your background and experience in the business -- in my experience, this is KEY in the eyes of the bank because they want to make sure that you know what you are doing and that you can make the business work. If you don't have any experience with the business, have someone on board that knows the business to give banks assurance that someone will guide you
- Your credit factors because it shows your dependability and how well you handle credit. They will do a credit check on you and poor credit history may be frowned upon, or even reason for the disapproval of your loan application
- Your collateral. Banks, even SBA guaranteed loans, want the borrower to show collateral. They want to be guaranteed that somewhere somehow they can get payment from you
- Condition or terms of loans. Banks would want to know three important things: "How much money are you requesting? What will it be used for? and For how long will it be needed?" Banks oftentimes prefer to approve loans for items that can be identified, has lasting value, and can be repossessed and sold if things fail.
- Equity investment - no bank will give you 100% of the amount you need. They want to see you put your own money into the business, even as much as 20% or even higher.
Aside from banks I suggest you consider microloan providers. They typically fund up to $30K Read about the SBA Microloan Program http://www.sba.gov/financing/sbaloan/mic... and you can find SBA Accredited Microloan Providers here http://www.powerhomebiz.com/vol145/micro...
Forget about grant money. It is hard to find grants to start a business -- especially for the type of business you are thinking of. Unlike the myths that some perpetuate, federal government and even private foundations hardly give grant money for starting a for-profit business.
Reply:Don't do it that way. You don't want to start out a business in debt because your first year will be the hardest. Banks look for equity to back the loan. Do you want to lose your house?
Do it like this: Work for someone who has a business like the one you want to start. Doing that will earn your start-up money and at the same time you will be "learning on the job:" and better able to do it right the first time.
Reply:friends your visit in this site best da flack
How did Bush encourage the mortgage companies to develop exotic loan products for the subprime market?
Remember when Bush spoke of his "ownership society"? Did Bush give any incentives for those brokers and mortgage companies to create those exotic loan products, so many of which are now in default? Do you think that increased regulation could have mitigated this disaster?
How did Bush encourage the mortgage companies to develop exotic loan products for the subprime market?
You can't hang this on Bush. All the elements were created before he came into office. The R/E bubble collapse is not a "disaster." It is a perfectly normal end to the latest financial bubble. Everyone who got hurt voluntarily took the risk.
Reply:He didnt... neither did any other US president.
This was brought on by mortgage folks giving home loans to people who should NOT have had a home loan to begin with.
The createive loans were designed for investors but were given to homeownsers for the most part. Bad move.
Increased regulation could have prevented it but do we really need any more "big brothers" out there now?
I dont think so.
Reply:because hes bush ...................just like he convinces all them people to vote for him........................................ dont nobody realy care for american or the usa
Reply:Bush didn't actually do anything to encourage this loan mess, other than look the other way, when it was pretty obvious as to what was happening.
Of course increased regulation would have helped avert the seriousness of the situation, but then Bush would not have been able to make his claims that 'home ownership are at an all time high."
Now that the noose has tightened to the uncomfortable point, it appears that Bernanke will work to help institute tighter credit regulations for such loans.
This president claims to have a MBA from a prestigious university. I fear that, in his case, it stands for More Bungled Acts.
Reply:The loan products weren't so exotic... ARMs, interest-only, 110% financing... these aren't new.
The big problems were:
1) Making loans to unqualified borrowers (subprime)
2) Securitization of CMBS/RMBS/CDO with investment grade ratings that did not reflect their true risk
I don't like Bush or his economic policies, but I'd pin this one on the financial services industry and real estate players (including flippers).
Reply:First off, the mortgage standards were relaxed during the Clinton presidency. Second, the CONGRESS (especially democrats) mandated the banks and mortgage companies loan to low income families to promote home ownership. That make the congress a big bunch of hypocrites for trying to pin this on the president. Third, the banks and mortgage industry made alot of money during the past few years. Make them suck up all of the losses and not expect the taxpayers to bail them out. Unlike alot of the sub-prime folks who took out the loans, the banks KNEW what they were doing.
Reply:Bush did not have anything to do with it. The lenders came up with it all on their own. Also mortgage brokers dont have any money to lend, they just broker loans to the lenders and they sure dont create loans.
How did Bush encourage the mortgage companies to develop exotic loan products for the subprime market?
You can't hang this on Bush. All the elements were created before he came into office. The R/E bubble collapse is not a "disaster." It is a perfectly normal end to the latest financial bubble. Everyone who got hurt voluntarily took the risk.
Reply:He didnt... neither did any other US president.
This was brought on by mortgage folks giving home loans to people who should NOT have had a home loan to begin with.
The createive loans were designed for investors but were given to homeownsers for the most part. Bad move.
Increased regulation could have prevented it but do we really need any more "big brothers" out there now?
I dont think so.
Reply:because hes bush ...................just like he convinces all them people to vote for him........................................ dont nobody realy care for american or the usa
Reply:Bush didn't actually do anything to encourage this loan mess, other than look the other way, when it was pretty obvious as to what was happening.
Of course increased regulation would have helped avert the seriousness of the situation, but then Bush would not have been able to make his claims that 'home ownership are at an all time high."
Now that the noose has tightened to the uncomfortable point, it appears that Bernanke will work to help institute tighter credit regulations for such loans.
This president claims to have a MBA from a prestigious university. I fear that, in his case, it stands for More Bungled Acts.
Reply:The loan products weren't so exotic... ARMs, interest-only, 110% financing... these aren't new.
The big problems were:
1) Making loans to unqualified borrowers (subprime)
2) Securitization of CMBS/RMBS/CDO with investment grade ratings that did not reflect their true risk
I don't like Bush or his economic policies, but I'd pin this one on the financial services industry and real estate players (including flippers).
Reply:First off, the mortgage standards were relaxed during the Clinton presidency. Second, the CONGRESS (especially democrats) mandated the banks and mortgage companies loan to low income families to promote home ownership. That make the congress a big bunch of hypocrites for trying to pin this on the president. Third, the banks and mortgage industry made alot of money during the past few years. Make them suck up all of the losses and not expect the taxpayers to bail them out. Unlike alot of the sub-prime folks who took out the loans, the banks KNEW what they were doing.
Reply:Bush did not have anything to do with it. The lenders came up with it all on their own. Also mortgage brokers dont have any money to lend, they just broker loans to the lenders and they sure dont create loans.
How do you consolidate a private loan?
How do I consolidate a private loan when I have no co-signer and bad credit, to remove my current co-signer, that is already on the loan?
How do you consolidate a private loan?
What type of private loan? In what State?
How do you consolidate a private loan?
What type of private loan? In what State?
Where can I get a student loan to buy a laptop?
I do not have the best credit but in desperate need of a private loan to get a new laptop. (My other one just died.) Is there a way to get a student loan for my bad credit where the check will get sent to me and not my school and I can pay for a new laptop?
Thanks!
Where can I get a student loan to buy a laptop?
Probably not...however, Dell finances their own.. Try them.
Reply:see if someone you know has a walmart, target, best buy ,circuit city, etc. credit or store card. and you can pa them the money back. dont rent it from rent-a-center because you will be renting for 3x-4x the amount. hope this helps.
Reply:Not possible with out school cooperating with you.
Reply:rent a center
fruit gift baskets
Thanks!
Where can I get a student loan to buy a laptop?
Probably not...however, Dell finances their own.. Try them.
Reply:see if someone you know has a walmart, target, best buy ,circuit city, etc. credit or store card. and you can pa them the money back. dont rent it from rent-a-center because you will be renting for 3x-4x the amount. hope this helps.
Reply:Not possible with out school cooperating with you.
Reply:rent a center
fruit gift baskets
What is a loan modification and do you have to be behind on payments to get one?
I am facing some hardships by have managed to keep everything current. I am looking at contacting WAMU who owns my home loan and asking for a lower rate, but I am current on everything and wonder if I would just be wasting my time.
What is a loan modification and do you have to be behind on payments to get one?
some lenders will not take loan modification application if you are current on your mortgage. if you have right now arm rate your changes are better to do this without late payment on your mortgage. call them up and explain your situation - cost nothing to try.
Reply:If you call them and they are willing to consider your case, you would have to prove that you will fall behind on payments if they don't modify your loan...then they might work with you. If you just want better terms but have the ability to meet your current loan requirements, they won't modify the loan. Good luck.
Reply:You have to be late, have no assets and have suffered some hardship that effects your ability to pay. Death of one of the bread winners, unexpected disability, something along those lines, out of your control and not temporary.
What is a loan modification and do you have to be behind on payments to get one?
some lenders will not take loan modification application if you are current on your mortgage. if you have right now arm rate your changes are better to do this without late payment on your mortgage. call them up and explain your situation - cost nothing to try.
Reply:If you call them and they are willing to consider your case, you would have to prove that you will fall behind on payments if they don't modify your loan...then they might work with you. If you just want better terms but have the ability to meet your current loan requirements, they won't modify the loan. Good luck.
Reply:You have to be late, have no assets and have suffered some hardship that effects your ability to pay. Death of one of the bread winners, unexpected disability, something along those lines, out of your control and not temporary.
What is the best way to for college if you need a personal loan to pay tuition?
Evidently I'll need to get a loan to pay for tuition since my parents have run out of funds to help with my tuition. What is best way to apply for a college loan that I can pay back once I graduate from college?
What is the best way to for college if you need a personal loan to pay tuition?
go to www.fafsa.ed.gov and enter in all the required information. You might be required to put your and your parents income. This is the beginning process of taking out a student loan-the ones you don't have to pay back until you graduate or drop to less than half time. It takes awhile to get the paperwork processed.
Good Luck.
Reply:SCAM ALERT- BEWARE OF THE ADVANCE FEE SCAM. Never send $ up front via western union,money gram, bank/wire transfer to NIGERIA, UK,CANADA, or any foreign country in hopes of getting a loan(you won't).If they want up front fees IT'S 100% A SCAM ! STAY AWAY from ALL private internet lenders wanting up front fees of any kind. Go to http://www.ripoffreport.com and http://www.scam for more details on internet scams.REPORT these frauds to the IC3 division of the FBI,ATTY. GENERALS office ,FTC, and sites listed above. Don't be a victim of these scams. "BEWARE, BEWARE, BEWARE"!!!!!!
What is the best way to for college if you need a personal loan to pay tuition?
go to www.fafsa.ed.gov and enter in all the required information. You might be required to put your and your parents income. This is the beginning process of taking out a student loan-the ones you don't have to pay back until you graduate or drop to less than half time. It takes awhile to get the paperwork processed.
Good Luck.
Reply:SCAM ALERT- BEWARE OF THE ADVANCE FEE SCAM. Never send $ up front via western union,money gram, bank/wire transfer to NIGERIA, UK,CANADA, or any foreign country in hopes of getting a loan(you won't).If they want up front fees IT'S 100% A SCAM ! STAY AWAY from ALL private internet lenders wanting up front fees of any kind. Go to http://www.ripoffreport.com and http://www.scam for more details on internet scams.REPORT these frauds to the IC3 division of the FBI,ATTY. GENERALS office ,FTC, and sites listed above. Don't be a victim of these scams. "BEWARE, BEWARE, BEWARE"!!!!!!
How can I calculate the amount of interest on a loan using the ordinary interest method?
If the loan is $3,200 at 6% interest for 60 days.
How can I calculate the amount of interest on a loan using the ordinary interest method?
I would do it like this:
$3,200 x 6% = 192
192/365 days in a year to calculate daily interest
= .53/day x 60 days = $31.80
How can I calculate the amount of interest on a loan using the ordinary interest method?
I would do it like this:
$3,200 x 6% = 192
192/365 days in a year to calculate daily interest
= .53/day x 60 days = $31.80
What is the best way to get an unsecured personal loan?
I have been trying to find a good place to get an unsecured loan to help pay off high limit credit cards.
What is the best way to get an unsecured personal loan?
Your credit union is the best place. If you are not yet a member, find one that you meet their eligibility requirements for.
Some credit cards will offer a "consolidation loan" product that is nothing more than a glorified balance transfer at a 16% APR.
If you are in need of paying down debt, you may wish to speak with a credit counselor first. There may be other options and strategies available that would help you avoid taking on debt to pay off debt.
You can find one in your local area. Make sure they have a satisfactory rating with the Better Business Bureau.
ginkgo
What is the best way to get an unsecured personal loan?
Your credit union is the best place. If you are not yet a member, find one that you meet their eligibility requirements for.
Some credit cards will offer a "consolidation loan" product that is nothing more than a glorified balance transfer at a 16% APR.
If you are in need of paying down debt, you may wish to speak with a credit counselor first. There may be other options and strategies available that would help you avoid taking on debt to pay off debt.
You can find one in your local area. Make sure they have a satisfactory rating with the Better Business Bureau.
ginkgo
What cooperativa in the northwest area offers the most flexible loan interest rates and payment terms?
I want to take a personal loan and banks have high interest rates, short term payment lengths and only give me a small amount. Is there any good cooperativas in between the mayaguez and arecibo area?
What cooperativa in the northwest area offers the most flexible loan interest rates and payment terms?
I have an account with COOPACA and they have great benefits and they have many locations trough out Puerto Rico
www.coopaca.com
Reply:busca en la guia telefonica y llama a las que encuentres y que te orienten sobre eso
What cooperativa in the northwest area offers the most flexible loan interest rates and payment terms?
I have an account with COOPACA and they have great benefits and they have many locations trough out Puerto Rico
www.coopaca.com
Reply:busca en la guia telefonica y llama a las que encuentres y que te orienten sobre eso
Where can I find a personal loan for student expenses with bad credit?
I am looking for a small loan $1000 - $1500, to help cover student expenses like books. My credit is not stellar and I'd rather not get a credit card, I already have too many. I know there are these kinds of loans out there - does anyone know of any good ones? Thanks!
Where can I find a personal loan for student expenses with bad credit?
www.FAFSA.edu.gov.. fill these out and it will tell u if u qualify for grants/loans and go from there. u will NOT be able to get a private loan without perfect credit or a co signer with perfect credit.
Reply:if you live in canada+the prov.of sask. try cansask
Where can I find a personal loan for student expenses with bad credit?
www.FAFSA.edu.gov.. fill these out and it will tell u if u qualify for grants/loans and go from there. u will NOT be able to get a private loan without perfect credit or a co signer with perfect credit.
Reply:if you live in canada+the prov.of sask. try cansask
Will a down payment increase my chances at a car loan?
I want to buy a pre-owned car in January and use my tax return as a down payment but I have bad credit. Does a down payment increase the chance that they'll give me a loan? I am planning on a $2000 down payment and buying a car that's not over $10k. I make $2800 a month, so I can afford it.
Will a down payment increase my chances at a car loan?
NO... if your labeled having bad credit that means high rates no matter size down payment.
Yes you making good money now, but the lender looks at the past not present, go to this web page on my website http://www.usedcartips.org/CREDI.html it will teach you how to get an acceptable rating for down the road .
Reply:Car Loan Guide: http://carloanguide.automobile... Report Abuse
Reply:A down payment will definitally increase your chances of getting a descent loan. Having a significant down payment means that there will be equity in the car from day one. Making it more likely that the loan company will not lose money if they have to reposses the car down the road.
Reply:Sure. The more you put down the less risk you are to the lending agency. With bad credit the interest rate will be higher than if you had good credit though. If you can make this work and pay it off with no late payments it will help your credit rating a great deal.
Reply:All things being equal, a bigger downpayment will make getting a loan easier. Many bad credit lenders like to see 25-30% down.
Reply:If you have bad credit a down payment will be REQUIRED in order to get a loan. It probably won't have any affect on the terms, but a substantial down payment and a steady job will secure a used car loan.
Reply:Poor credit car loans have been specifically designed for those people who have trouble getting credit due to their credit score being too low, if your credit score is too low then you will be seen as a huge risk and as such the lender will not take a chance on you and so turn you down. You can bring your credit rating back up by doing certain%26lt;!--things but it does take a long time and if you want your car now then applying for a poor credit car loan could be your only or best option.Just as with any other type of loan if you go to a specialist then you will get the best deal. You may get the car loan you want from here,
http://badcredits.awardspace.com/guarant...
When applying for a poor credit car loan you have to realise that you are never going to get the very lowest of interest rates that others have the luxury of securing but if you go with a specialist they will be able to get you the lowest among loans associated with a poor credit rating. Along with getting you the cheapest possible poor credit car loan the specialist--%26gt;website will also be able to offer you the best advice. However unless you know something about car loans and in particular what to look for when it comes to getting a poor credit car loan then you could end up paying way over the odds for the privilege of getting the loan.
Reply:SURE IT WILL HELP BUT LOOK REAL CLOSE AT THE RATE OF INTEREST.
Will a down payment increase my chances at a car loan?
NO... if your labeled having bad credit that means high rates no matter size down payment.
Yes you making good money now, but the lender looks at the past not present, go to this web page on my website http://www.usedcartips.org/CREDI.html it will teach you how to get an acceptable rating for down the road .
Reply:Car Loan Guide: http://carloanguide.automobile... Report Abuse
Reply:A down payment will definitally increase your chances of getting a descent loan. Having a significant down payment means that there will be equity in the car from day one. Making it more likely that the loan company will not lose money if they have to reposses the car down the road.
Reply:Sure. The more you put down the less risk you are to the lending agency. With bad credit the interest rate will be higher than if you had good credit though. If you can make this work and pay it off with no late payments it will help your credit rating a great deal.
Reply:All things being equal, a bigger downpayment will make getting a loan easier. Many bad credit lenders like to see 25-30% down.
Reply:If you have bad credit a down payment will be REQUIRED in order to get a loan. It probably won't have any affect on the terms, but a substantial down payment and a steady job will secure a used car loan.
Reply:Poor credit car loans have been specifically designed for those people who have trouble getting credit due to their credit score being too low, if your credit score is too low then you will be seen as a huge risk and as such the lender will not take a chance on you and so turn you down. You can bring your credit rating back up by doing certain%26lt;!--things but it does take a long time and if you want your car now then applying for a poor credit car loan could be your only or best option.Just as with any other type of loan if you go to a specialist then you will get the best deal. You may get the car loan you want from here,
http://badcredits.awardspace.com/guarant...
When applying for a poor credit car loan you have to realise that you are never going to get the very lowest of interest rates that others have the luxury of securing but if you go with a specialist they will be able to get you the lowest among loans associated with a poor credit rating. Along with getting you the cheapest possible poor credit car loan the specialist--%26gt;website will also be able to offer you the best advice. However unless you know something about car loans and in particular what to look for when it comes to getting a poor credit car loan then you could end up paying way over the odds for the privilege of getting the loan.
Reply:SURE IT WILL HELP BUT LOOK REAL CLOSE AT THE RATE OF INTEREST.
If I make payment arranements to pay my defaulted student loan now,will i get my tax return this year?
They have taken my tax returns since "04".Not that much is left owed.Do you think it's too late to get my tax return in my hand for this year,if i've just made pyment arranements w/ student loan?
If I make payment arranements to pay my defaulted student loan now,will i get my tax return this year?
You would need to contact the IRS. Call them at 1-800-829-1040
Reply:they take your tax refunds, NOT your tax "returns"! you file a tax "return", you "get" a tax "refund" IF you pay more tax than you owe. - until you're officially out of default, they will probably continue to intercept tax refunds/rebates
azalea tree
If I make payment arranements to pay my defaulted student loan now,will i get my tax return this year?
You would need to contact the IRS. Call them at 1-800-829-1040
Reply:they take your tax refunds, NOT your tax "returns"! you file a tax "return", you "get" a tax "refund" IF you pay more tax than you owe. - until you're officially out of default, they will probably continue to intercept tax refunds/rebates
azalea tree
What it is a good debt to income ratio when getting another car loan?
My husband is going to need a new work car cause his about shot and he drives 50 miles a day to work. But we already have a car loan on my vehicle. It is our only debt of 14000 and my husband makes 45-50k depending on over time and work load. Would it be hard to get a small loan to get a little work car?
What it is a good debt to income ratio when getting another car loan?
Your debt to income ratio should be less than 30% to be comfortable. I don't know all of your financials but that is a figure to shoot for.
Reply:no but if he drives that far every day u might think about a cheaper new car with his income it shouldnt be a problem.
What it is a good debt to income ratio when getting another car loan?
Your debt to income ratio should be less than 30% to be comfortable. I don't know all of your financials but that is a figure to shoot for.
Reply:no but if he drives that far every day u might think about a cheaper new car with his income it shouldnt be a problem.
What is the best way to attain a small business loan when you have questionable credit?
I am trying to open a pizza place and I am having trouble attaining financing. I was wondering if someone knew where to apply for a grant or poor credit small business loan.
What is the best way to attain a small business loan when you have questionable credit?
i would suggest struggling to open your doors FIRST and then get a loan (if u havent done this). its my understanding that small business loans are granted more as a function of your operating income, and individual credit is less of a factor. so once your pizza place is making $50k a year, then you can get a $10k loan, for example. i hope this helps.
Reply:go to ur bank and ask them about other forms of credit loaners. the problem is it is a pizza joint and there are a million of them. restuarants r the wort risk there is.
good luck
What is the best way to attain a small business loan when you have questionable credit?
i would suggest struggling to open your doors FIRST and then get a loan (if u havent done this). its my understanding that small business loans are granted more as a function of your operating income, and individual credit is less of a factor. so once your pizza place is making $50k a year, then you can get a $10k loan, for example. i hope this helps.
Reply:go to ur bank and ask them about other forms of credit loaners. the problem is it is a pizza joint and there are a million of them. restuarants r the wort risk there is.
good luck
What is the highest loan amount I can receive with no credit check?
I need a loan of 6000. I currently pay 411 a month on my car loan. If i can get a loan of 6000 I can pay my car off and reduce my monthly income. I have poor credit.
no referrals to prosper please. (lol)
I just need a second chance. I can pay if my loan monthly payment if it is less than $411.
What is the highest loan amount I can receive with no credit check?
Any reputable bank is going to check your credit reguardless of the amount of the loan.
The only way to get a loan with no credit check is one of those "title" loans, is when they give you cash (up to the book value on the car) and they hold the title to your vehicle. If you don't pay, you don't have wheels. It's that or a "payday" loan, which is not the best route to go because in the end you'll end up paying back almost quadurple what the original loan amount was.
Reply:Here is a link that might help you:
http://www.financeconsultant.org/persona...
Reply:From your family or friends who trusts you.
no referrals to prosper please. (lol)
I just need a second chance. I can pay if my loan monthly payment if it is less than $411.
What is the highest loan amount I can receive with no credit check?
Any reputable bank is going to check your credit reguardless of the amount of the loan.
The only way to get a loan with no credit check is one of those "title" loans, is when they give you cash (up to the book value on the car) and they hold the title to your vehicle. If you don't pay, you don't have wheels. It's that or a "payday" loan, which is not the best route to go because in the end you'll end up paying back almost quadurple what the original loan amount was.
Reply:Here is a link that might help you:
http://www.financeconsultant.org/persona...
Reply:From your family or friends who trusts you.
What kind of loan should I take out for buying a used car?
I could just use some advice on where I could look and what I should look for to get a small loan for a used car. I'm looking at something around the $5,000 area. I'd prefer reasonably low payments that I could pay extra when I have it.
What kind of loan should I take out for buying a used car?
You will want to take out a simple interest auto loan. You can either go to your bank, credit union, or even the dealership. When you make additional payments, be sure to send a separate check and on the subject line write 'To Principal Only'. This will allocate the check to go towards your balance rather than the next month's payment. Good luck and I hope this helps.
Reply:Wow, they would really apply any excess to the next month's payment instead of the principal? That seems so dishonest! Thanks for the advice. Report Abuse
Reply:What type of loan? Usually people take out an auto loan when purchasing a car. check your local bank or credit union for current rates.
Reply:That'd be your UCL. AKA your Used Car Loan. You can always pay extra on a loan. The extra applies toward the principle and will shorten the loan length but not the payment amount. A few bucks extra toward the principle is money that you don't pay interest on next month, or ever. The issue with such a small amount borrowed is that the lender will not lend for a long period, so your payment may not be as low as you'd like.
lily
What kind of loan should I take out for buying a used car?
You will want to take out a simple interest auto loan. You can either go to your bank, credit union, or even the dealership. When you make additional payments, be sure to send a separate check and on the subject line write 'To Principal Only'. This will allocate the check to go towards your balance rather than the next month's payment. Good luck and I hope this helps.
Reply:Wow, they would really apply any excess to the next month's payment instead of the principal? That seems so dishonest! Thanks for the advice. Report Abuse
Reply:What type of loan? Usually people take out an auto loan when purchasing a car. check your local bank or credit union for current rates.
Reply:That'd be your UCL. AKA your Used Car Loan. You can always pay extra on a loan. The extra applies toward the principle and will shorten the loan length but not the payment amount. A few bucks extra toward the principle is money that you don't pay interest on next month, or ever. The issue with such a small amount borrowed is that the lender will not lend for a long period, so your payment may not be as low as you'd like.
lily
Is it possible to postpone student loan consolidation to wait for lower interest rates rates?
I graduated 6 months ago with several federal student loans combining more than 40K. Is it better for me to consolidate now or stay put? Will the fed cutting lending rates (now 3%) affect the interest rates that loan consolidators offer? Will i be offered either variable or fixed rates if i consolidate?
Is it possible to postpone student loan consolidation to wait for lower interest rates rates?
That's the 64 million dollar question. A consolidated loan pays off your existing student loans with variable interest rates and makes a new jumbo loan with a fixed rate.
Of course, the monthly payment for a consolidated loan will be lower, but you can also lower your current loan payments to cover interest for the first two or four years and still pay them off in 10 years instead of 30 with a consolidated.
Honestly, unless you are consolidating because you have multiple locations where you loans are serviced, I would hold off on consolidating until absolutely necessary.
The reason are deferments and forbearance. You only have 36 months of financial deferments available per loan. You only have 60 months of forbearance available on each loan. These delay payment if you ever needed some breathing room with payments.
So if you are unable to make payments because you can't find a job or the pay is too low, you can defer payments (and have the government pay the accruing interest on the subsidized loans) until you are able.
Consolidating the loans, you would limit yourself to only 36 months of financial hardship deferment over the 30 year repayment terms, and most consolidated are structured for the government NOT to pay interest while the payments are deferred.
To make my point, unless you are consolidating for the mere convenience of having all your loans in one location for payment, hold off on it until you need it.
The interest rates for student loans are determined July 1 of ever year. If you keep an eye on the rates, you can put your application in to secure the rate for consolidation.
Is it possible to postpone student loan consolidation to wait for lower interest rates rates?
That's the 64 million dollar question. A consolidated loan pays off your existing student loans with variable interest rates and makes a new jumbo loan with a fixed rate.
Of course, the monthly payment for a consolidated loan will be lower, but you can also lower your current loan payments to cover interest for the first two or four years and still pay them off in 10 years instead of 30 with a consolidated.
Honestly, unless you are consolidating because you have multiple locations where you loans are serviced, I would hold off on consolidating until absolutely necessary.
The reason are deferments and forbearance. You only have 36 months of financial deferments available per loan. You only have 60 months of forbearance available on each loan. These delay payment if you ever needed some breathing room with payments.
So if you are unable to make payments because you can't find a job or the pay is too low, you can defer payments (and have the government pay the accruing interest on the subsidized loans) until you are able.
Consolidating the loans, you would limit yourself to only 36 months of financial hardship deferment over the 30 year repayment terms, and most consolidated are structured for the government NOT to pay interest while the payments are deferred.
To make my point, unless you are consolidating for the mere convenience of having all your loans in one location for payment, hold off on it until you need it.
The interest rates for student loans are determined July 1 of ever year. If you keep an eye on the rates, you can put your application in to secure the rate for consolidation.
How long does a person have to stay in a USDA loan, before they can refinance with another mortgage company?
The individual took the loan out quite awhile back, when she was a struggling single mother. Now she is making around 80K per year, and doing fine. Wants to refinance so as to consolidate debts into a low interest, low payment fixed loan. The prospective mortgage companies won't touch her existing loan due to the fact that it is a USDA loan.
How long does a person have to stay in a USDA loan, before they can refinance with another mortgage company?
Whenever you can find an institution that will buy it and refinance it to you. But, you wouldn't be able to afford their interest rates. I would suggest that you contact USDA and see if they could apply a moritorium for you for delayed payments and possibly, they may even refinance it for you if you can meet their standards for this action.
Reply:Sounds as if she is in a government program. A lot of banks won't touch these loans because they are risky. So the government makes tax payers flip the bill.
Check with other lenders.
http://www.fsa.usda.gov/FSA/webapp?area=...
How long does a person have to stay in a USDA loan, before they can refinance with another mortgage company?
Whenever you can find an institution that will buy it and refinance it to you. But, you wouldn't be able to afford their interest rates. I would suggest that you contact USDA and see if they could apply a moritorium for you for delayed payments and possibly, they may even refinance it for you if you can meet their standards for this action.
Reply:Sounds as if she is in a government program. A lot of banks won't touch these loans because they are risky. So the government makes tax payers flip the bill.
Check with other lenders.
http://www.fsa.usda.gov/FSA/webapp?area=...
What was your credit score when you recieved a home loan?
I have a credit score of 618. Is this enough for me to apply for a home loan?
What was your credit score when you recieved a home loan?
Mine was 680 and I got approved with no problems. You will probably get a loan, though it won't necessarily be as good of an interest rate if you had had like 800 plus instead.
Reply:620 is the absolute minimum for a prime buyer rate. Even one point less, and you are in the "sub-prime" pool.
Be aware it's the middle score of the one pulled from three agencies. So if one is 640, the other is 620, and one is 580 - they don't average, they don't take the high or low - they take literally the middle score. So it's important to get all three agencies onto the same page - identical reports.
There is a way to bump your score the month before you go for a loan - the easiest - if you have credit cards and are carrying balances - pay them to zero. Of course you must be able to maintain this through closing, and then you can ratchet them up again.
Reply:Mine is 820 - and I am doing a loan right now.
Doesn't hurt to apply - they will let you know if its enough or not - I went through wells fargo - the no closing cost deal!
Reply:yes you can get 100 percent financing at a favorable rate. I would try to get it up to at least 640 to get an even better rate and you qualify for a construction loan with a 620 or better on your mid score. Make sure you check all three bureaus because they pull your middle score.
Reply:trying to get a house to
credit not good having a hard time
you could look for land contract
be sure to look around at different places
good luck hope you get a house
What was your credit score when you recieved a home loan?
Mine was 680 and I got approved with no problems. You will probably get a loan, though it won't necessarily be as good of an interest rate if you had had like 800 plus instead.
Reply:620 is the absolute minimum for a prime buyer rate. Even one point less, and you are in the "sub-prime" pool.
Be aware it's the middle score of the one pulled from three agencies. So if one is 640, the other is 620, and one is 580 - they don't average, they don't take the high or low - they take literally the middle score. So it's important to get all three agencies onto the same page - identical reports.
There is a way to bump your score the month before you go for a loan - the easiest - if you have credit cards and are carrying balances - pay them to zero. Of course you must be able to maintain this through closing, and then you can ratchet them up again.
Reply:Mine is 820 - and I am doing a loan right now.
Doesn't hurt to apply - they will let you know if its enough or not - I went through wells fargo - the no closing cost deal!
Reply:yes you can get 100 percent financing at a favorable rate. I would try to get it up to at least 640 to get an even better rate and you qualify for a construction loan with a 620 or better on your mid score. Make sure you check all three bureaus because they pull your middle score.
Reply:trying to get a house to
credit not good having a hard time
you could look for land contract
be sure to look around at different places
good luck hope you get a house
How is Income verified when you do a document income loan?
How do they verify your income? If you do a documented income loan for a home refi?
How is Income verified when you do a document income loan?
CIA is a baby. They know all about our life from 18 (adresses, everything)
I found The best info about your Question HERE:
(VERY good loans - c.cards - credit repair %26amp; score; info)
http://new-loans-center.blogspot.com
Good luck!
Reply:Depends on the bank. Usually last 2 years tax returns and the last 30 days pay stubs. Some banks will let you use the amount of all deposits made into your bank account for the last two years but you must be self employed.
myspaces.com
How is Income verified when you do a document income loan?
CIA is a baby. They know all about our life from 18 (adresses, everything)
I found The best info about your Question HERE:
(VERY good loans - c.cards - credit repair %26amp; score; info)
http://new-loans-center.blogspot.com
Good luck!
Reply:Depends on the bank. Usually last 2 years tax returns and the last 30 days pay stubs. Some banks will let you use the amount of all deposits made into your bank account for the last two years but you must be self employed.
myspaces.com
How do i register for a federal direct subsidzed stafford loan?
I recieved a federal direct subsidzed stafford loan for my financial aid package. Is the lender the gov't? Or do I have to pick a bank to borrow from?
How do i register for a federal direct subsidzed stafford loan?
The Federal Govn't is your lender. You will need to go to https://www.dl.ed.gov/borrower/BorrowerW... to complete entrance counseling and you will need to go to https://dlenote.ed.gov/empn/index.jsp to e-sign your Master Promissory Note.
Check with your financial aid office to see if you have to sign a Direct Loan Certification Form, if you have to do anything specific at your school to let them know you are accepting the loan.
Reply:Stafford Loans are backed by the government, which is why lenders love them. But it's an actual bank that disburses the funds. Every school has 'preferred' lenders, such as Citibank or Sallie Mae. I went with my credit union, Navy Federal, for mine, because they rock and give a 2% discount off the already low rate for on time payments. So if you're already a member of a bank of credit union and you like the way they work, check to see if they disburse stafford loans. Like I said before, most do because they're guaranteed to be paid even if you default on them. After you sign a Master Promissory Note (MPN), which you may be able to sign online, the bank will send a certification to your school. Once the school returns the certification, the bank sends the check straight to your school, who credits it to your student account. Now sometimes this whole certification process can take awhile. At my school it took next to forever. Hope this helps!
Reply:The money is coming from the govt instead of the FFELP system where private banks are involved. Go back and read your award letter. I will bet dollars to donuts it explains the process for you to setup your Stafford loans. If you do not find it there - Call your financial aid office. Each school may have slightly differing processes.
How do i register for a federal direct subsidzed stafford loan?
The Federal Govn't is your lender. You will need to go to https://www.dl.ed.gov/borrower/BorrowerW... to complete entrance counseling and you will need to go to https://dlenote.ed.gov/empn/index.jsp to e-sign your Master Promissory Note.
Check with your financial aid office to see if you have to sign a Direct Loan Certification Form, if you have to do anything specific at your school to let them know you are accepting the loan.
Reply:Stafford Loans are backed by the government, which is why lenders love them. But it's an actual bank that disburses the funds. Every school has 'preferred' lenders, such as Citibank or Sallie Mae. I went with my credit union, Navy Federal, for mine, because they rock and give a 2% discount off the already low rate for on time payments. So if you're already a member of a bank of credit union and you like the way they work, check to see if they disburse stafford loans. Like I said before, most do because they're guaranteed to be paid even if you default on them. After you sign a Master Promissory Note (MPN), which you may be able to sign online, the bank will send a certification to your school. Once the school returns the certification, the bank sends the check straight to your school, who credits it to your student account. Now sometimes this whole certification process can take awhile. At my school it took next to forever. Hope this helps!
Reply:The money is coming from the govt instead of the FFELP system where private banks are involved. Go back and read your award letter. I will bet dollars to donuts it explains the process for you to setup your Stafford loans. If you do not find it there - Call your financial aid office. Each school may have slightly differing processes.
Any advice on getting a business loan for a start up?
I have been working on my business plan and i am almost all set. But now i am worried about trying to get a bank loan. I quit my job because i wanted to concentrate on my business and because it wasnt for me. But now i have no income and no real assets. I am only 24 and have no real savings or anything. Will banks even concider me for a loan even though my business plan is really good?
Any advice on getting a business loan for a start up?
The first question is how much capital do you need before you reach positive cashflow? If it is very small, I would look to relatives/friends to invest or even possibly use a credit card.
Banks generally don't make loans against business plans since there are no real assets as collateral. Furthermore, there is no cashflow from a going concern to support debt repayment so the anticipation of being repaid is essentially 0 (from the banks perspective). Banks are not really in the business of assessing business plans.
What you are looking for is venture capital, but more specifically seed money. I would start looking for wealthy relatives and friends. Sometimes entrepreneurs leverage up with credit cards to get things going.
You should have your plan reviewed by several people who know business. You can also start sending it to venture capitalists.
Reply:Depends on how much you want to borrow. Most of the High Street banks would want some kind of security for large loans but if you're only after a few thousand then it's probably worth shopping around. Most banks will provide some kind of support for business start ups so just go and talk to them.
Some banks will allow a free overdraft facility up to an agreed amount. If you go down this route then you need to be totally confident in your business plan and be sure that you'll be in a position to pay it back.
Might be worth checking out your local Enterprise Agency as they can often have contacts for financing new businesses.
Good luck!
Reply:Banks will not consider a business plan. Banks look at Financial statements and credit scores.
Reply:You might need to check, but I think the Princes Trust gives loans for business start-ups for the under 25's. Or phone your local Business Link for free business advice.
Any advice on getting a business loan for a start up?
The first question is how much capital do you need before you reach positive cashflow? If it is very small, I would look to relatives/friends to invest or even possibly use a credit card.
Banks generally don't make loans against business plans since there are no real assets as collateral. Furthermore, there is no cashflow from a going concern to support debt repayment so the anticipation of being repaid is essentially 0 (from the banks perspective). Banks are not really in the business of assessing business plans.
What you are looking for is venture capital, but more specifically seed money. I would start looking for wealthy relatives and friends. Sometimes entrepreneurs leverage up with credit cards to get things going.
You should have your plan reviewed by several people who know business. You can also start sending it to venture capitalists.
Reply:Depends on how much you want to borrow. Most of the High Street banks would want some kind of security for large loans but if you're only after a few thousand then it's probably worth shopping around. Most banks will provide some kind of support for business start ups so just go and talk to them.
Some banks will allow a free overdraft facility up to an agreed amount. If you go down this route then you need to be totally confident in your business plan and be sure that you'll be in a position to pay it back.
Might be worth checking out your local Enterprise Agency as they can often have contacts for financing new businesses.
Good luck!
Reply:Banks will not consider a business plan. Banks look at Financial statements and credit scores.
Reply:You might need to check, but I think the Princes Trust gives loans for business start-ups for the under 25's. Or phone your local Business Link for free business advice.
What is the best way to apply for a student loan?
I'm already in college, and really interested in getting one b/c it would help a lot. I filled out my FAFSA, I'm not eligible for any other sort of financial aid so I'd really like to get a loan asap. What would be the best way to go about doing that? Everytime I talk to the financial aid office at my school, they really don't give me an answer, and pass me off to someone else. I'd really like to go directly to a lender, but I need to know the best way of going about this. Any advice would be appreciated, thanks in advance!
What is the best way to apply for a student loan?
Hi there....sorry your financial aid office isn't doing their job for you. As someone who works in a financial aid office that really irks me. :( I would try seeing a different counselor or asking to speak with a supervisor to get CLEAR answers. EVERYONE is eligible for student loans. Even Paris Hilton and Donald Trump! You are too. You can get a lower interest rate by going through the financial aid office or be an idiot like I was when I went back to grad school...I called up Sallie Mae who did my undergrad loan and told them how much I wanted...filled out a tiny form and had the money. The interest rate was HORRIBLE and HIGH. If I could do it over again..... 1. I would have gone through my financial aid office to get a lower rate. 2. I wouldn't have used Sallie Mae (poor service). 3. If I still wanted to be an idiot, :) I would have gone with CLC (College Loan Corporation) as they are a young and progressive loan company that is beating all their competiton for giving GREAT services to their customers. Our students LOVE them... Read the customer testimonies from their site...
Reply:try to aim for grants/scholarships more... they are not to be paid back. its confusing sometimes, but just keep applying.
every big (and small) company you see (manufacturer, orgs, corps and groups also) all have grants and scholarships they hand out like candy. Walmart, Kmart, Target, Coke, computer companies etc etc etc
heres a link with a HUGE amount of some available. some you will need to copy and paste into a new window. also, fastweb (take the time to fill it in) will search databases and get back to you with a list of scholarships you qualify for.
Also contact all mens, womens associations in your state, they almost always have grants %26amp; scholarships. What ever field you are going into, contact the orgs, associations etc for them; Also check with professional organizations related to your career interests, such as the American Bar Association or the American Medical Association. they also always have scholarships. Research and dig, call then write. Its all worth it.
OVER apply; it doesnt hurt to have too many, and the extra funds can help with housing.
http://www.angelfire.com/nj4/njcomputerc...
MORE:
http://www.myspace.com/financialaidpodca...
http://www.FinancialAidPodcast.com
http://www.sfa.ufl.edu:16080/scholarship...
http://www.fafsaonline.com/
http://www.fafsa.ed.gov/
http://12.46.245.173/cfda/cfda.html
http://www.salliemae.com/
http://www.studentawards.com/
http://www.collegeanswer.com/index.jsp
http://www.studentscholarshipsearch.com/
http://www.studentscholarshipsearch.com/...
http://www.discovernursing.com/nursing-s...
http://bhpr.hrsa.gov/DSA/nsl.htm
http://www.nsna.org/foundation/
http://www.4cnas.com
http://www.schoolsoup.com/
http://www.blackexcel.org/link4.htm
http://www.jackierobinson.org/
http://www.uncf.org/
http://www.vfw.org/index.cfm %26lt;-do search for ‘scholarships’
http://www.finaid.org/
http://www.actstudent.org/finaid/scholar...
http://www.act.org/recognition/clients.h...
http://www.act.org/kfcscholars/index.htm...
http://www.kfcscholars.org/
http://www.rhodesscholar.org/
http://www.collegedata.com/
http://www.fastweb.com/
http://www.getreadyforcollege.org/gPg.cf...
DEPENDENCY or NOT
http://www.salliemae.com/get_student_loa...
LOAN FORGIVENESS or NOT
(not sure about if valid, but worth a try)
http://www.pheaa.org/loanforgiveness/hea...
STATUS of your gov loan or aid:
http://www.nslds.ed.gov/nslds_SA/
if you don’t have a PIN yet (for your loan / aid status) apply for one:
http://www.pin.ed.gov/PINWebApp/pinindex...
ESSAY HELP
http://www.scholarshiphelp.org/
http://www.gradesaver.com/resources/scho...
http://www.collegeadmissionsessays.com/
http://www.nataviguides.com/broke_essay....
http://www.princetonreview.com/college/a...
http://www.freschinfo.com/tips-brainstor...
http://www.freschinfo.com/tips-topic.php
http://essayedge.com/
GRANT SCHOLARSHIP SCAM LIST
(if you find a scam report it here too)
http://www.ftc.gov/ftc/consumer/media_ps...
LOANS
http://www.finaid.org/loans/educationlen...
http://www.alternativestudentloan.com/
DEFAULTED STUDENT LOANS
http://www.ed.gov/offices/OSFAP/DCS/inde...
INTERNATIONAL STUDENTS
http://www.studyabroad.com/forum/financi...
http://www.internationalstudent.com/
http://www.internationalscholarships.com...
http://www.internationalstudentloan.com/
http://www.globalslc.com/
http://www.edupass.org/finaid/loans.phtm...
http://www.abroadplanet.com/student-loan...
http://www.salliemae.com/international/
Reply:Sallie Mae is the nation's top paying-for-college company. Their website will walk you through the process of getting a student loan - how they work, what type of loans are out there, financial aid calendar, etc. http://www.salliemae.com
What is the best way to apply for a student loan?
Hi there....sorry your financial aid office isn't doing their job for you. As someone who works in a financial aid office that really irks me. :( I would try seeing a different counselor or asking to speak with a supervisor to get CLEAR answers. EVERYONE is eligible for student loans. Even Paris Hilton and Donald Trump! You are too. You can get a lower interest rate by going through the financial aid office or be an idiot like I was when I went back to grad school...I called up Sallie Mae who did my undergrad loan and told them how much I wanted...filled out a tiny form and had the money. The interest rate was HORRIBLE and HIGH. If I could do it over again..... 1. I would have gone through my financial aid office to get a lower rate. 2. I wouldn't have used Sallie Mae (poor service). 3. If I still wanted to be an idiot, :) I would have gone with CLC (College Loan Corporation) as they are a young and progressive loan company that is beating all their competiton for giving GREAT services to their customers. Our students LOVE them... Read the customer testimonies from their site...
Reply:try to aim for grants/scholarships more... they are not to be paid back. its confusing sometimes, but just keep applying.
every big (and small) company you see (manufacturer, orgs, corps and groups also) all have grants and scholarships they hand out like candy. Walmart, Kmart, Target, Coke, computer companies etc etc etc
heres a link with a HUGE amount of some available. some you will need to copy and paste into a new window. also, fastweb (take the time to fill it in) will search databases and get back to you with a list of scholarships you qualify for.
Also contact all mens, womens associations in your state, they almost always have grants %26amp; scholarships. What ever field you are going into, contact the orgs, associations etc for them; Also check with professional organizations related to your career interests, such as the American Bar Association or the American Medical Association. they also always have scholarships. Research and dig, call then write. Its all worth it.
OVER apply; it doesnt hurt to have too many, and the extra funds can help with housing.
http://www.angelfire.com/nj4/njcomputerc...
MORE:
http://www.myspace.com/financialaidpodca...
http://www.FinancialAidPodcast.com
http://www.sfa.ufl.edu:16080/scholarship...
http://www.fafsaonline.com/
http://www.fafsa.ed.gov/
http://12.46.245.173/cfda/cfda.html
http://www.salliemae.com/
http://www.studentawards.com/
http://www.collegeanswer.com/index.jsp
http://www.studentscholarshipsearch.com/
http://www.studentscholarshipsearch.com/...
http://www.discovernursing.com/nursing-s...
http://bhpr.hrsa.gov/DSA/nsl.htm
http://www.nsna.org/foundation/
http://www.4cnas.com
http://www.schoolsoup.com/
http://www.blackexcel.org/link4.htm
http://www.jackierobinson.org/
http://www.uncf.org/
http://www.vfw.org/index.cfm %26lt;-do search for ‘scholarships’
http://www.finaid.org/
http://www.actstudent.org/finaid/scholar...
http://www.act.org/recognition/clients.h...
http://www.act.org/kfcscholars/index.htm...
http://www.kfcscholars.org/
http://www.rhodesscholar.org/
http://www.collegedata.com/
http://www.fastweb.com/
http://www.getreadyforcollege.org/gPg.cf...
DEPENDENCY or NOT
http://www.salliemae.com/get_student_loa...
LOAN FORGIVENESS or NOT
(not sure about if valid, but worth a try)
http://www.pheaa.org/loanforgiveness/hea...
STATUS of your gov loan or aid:
http://www.nslds.ed.gov/nslds_SA/
if you don’t have a PIN yet (for your loan / aid status) apply for one:
http://www.pin.ed.gov/PINWebApp/pinindex...
ESSAY HELP
http://www.scholarshiphelp.org/
http://www.gradesaver.com/resources/scho...
http://www.collegeadmissionsessays.com/
http://www.nataviguides.com/broke_essay....
http://www.princetonreview.com/college/a...
http://www.freschinfo.com/tips-brainstor...
http://www.freschinfo.com/tips-topic.php
http://essayedge.com/
GRANT SCHOLARSHIP SCAM LIST
(if you find a scam report it here too)
http://www.ftc.gov/ftc/consumer/media_ps...
LOANS
http://www.finaid.org/loans/educationlen...
http://www.alternativestudentloan.com/
DEFAULTED STUDENT LOANS
http://www.ed.gov/offices/OSFAP/DCS/inde...
INTERNATIONAL STUDENTS
http://www.studyabroad.com/forum/financi...
http://www.internationalstudent.com/
http://www.internationalscholarships.com...
http://www.internationalstudentloan.com/
http://www.globalslc.com/
http://www.edupass.org/finaid/loans.phtm...
http://www.abroadplanet.com/student-loan...
http://www.salliemae.com/international/
Reply:Sallie Mae is the nation's top paying-for-college company. Their website will walk you through the process of getting a student loan - how they work, what type of loans are out there, financial aid calendar, etc. http://www.salliemae.com
What is the best way to market clients as a loan officer?
I am a new loan officer and and so far i'm doing pretty good with clients, but for future referance if someone experienced can give me some advised on what is the best way to get new clients.
What is the best way to market clients as a loan officer?
If you are already doing well it will just snowball w/o much needed from you. People like to use who they are familier with (agents) and word of mouth is the best thing going.
Reply:Cozy up to local Realtors who will refer people to you and vice versa. The first loan officer that comes to mind when people ask me are the ones that cater our sales meetings (with kolaches and stuff) and the ones that keep a snack basket filled for us in our lunch room.
Genealogy
What is the best way to market clients as a loan officer?
If you are already doing well it will just snowball w/o much needed from you. People like to use who they are familier with (agents) and word of mouth is the best thing going.
Reply:Cozy up to local Realtors who will refer people to you and vice versa. The first loan officer that comes to mind when people ask me are the ones that cater our sales meetings (with kolaches and stuff) and the ones that keep a snack basket filled for us in our lunch room.
Genealogy
Can personal loan interest be tax deductible if you use the loan to buy property?
If you get a conventional mortgage, your interest is tax deductible. If I take out a personal loan to buy my primary residence, can I deduct interest from that personal loan when I file my taxes?
Thanks.
Can personal loan interest be tax deductible if you use the loan to buy property?
No, you cannot deduct it, at least not for a personal residence. To be deductible the property must secure the payment of the loan. A personal loan fails that test as there is no security other than your signature on a personal loan.
Now, if you're buying the property for investment purposes the rules change. You are allowed to deduct interest on a loan for an investment, limited to the profit that you make on the investment. If it's a buy and hold purchase, you may deduct the interest paid when you sell the property fora profit, limited to the profit that you made. This is one of those cases in the Tax Code where an expense is carried to future years as opposed to being used in the year that the expense was incurred.
Reply:If you're doing it as an investment you'll have to charge her market-based rent in order to deduct the interest. TFTP Report Abuse
Thanks.
Can personal loan interest be tax deductible if you use the loan to buy property?
No, you cannot deduct it, at least not for a personal residence. To be deductible the property must secure the payment of the loan. A personal loan fails that test as there is no security other than your signature on a personal loan.
Now, if you're buying the property for investment purposes the rules change. You are allowed to deduct interest on a loan for an investment, limited to the profit that you make on the investment. If it's a buy and hold purchase, you may deduct the interest paid when you sell the property fora profit, limited to the profit that you made. This is one of those cases in the Tax Code where an expense is carried to future years as opposed to being used in the year that the expense was incurred.
Reply:If you're doing it as an investment you'll have to charge her market-based rent in order to deduct the interest. TFTP Report Abuse
Can a mortgage loan be for more than the purchase price of the home?
If a person wanted to make some changes or remodel a room, could the loan be for more than the house to allow for that?
Can a mortgage loan be for more than the purchase price of the home?
Not anymore ..
It works like this .. you borrow money (Mortgage) against the value of the property (House). If you fail to pay the loan, they seize the property and sel it at auction to get their money back.
In the 'old days' that value of the property was going up ... so lenders were prepared to lend against the 'future value' of the house .. and you could get the famous "110% Mortgages"
Now the value is going down. Most lenders will only lend 90% of 'today's' value (some even less) because they expect the value to be drop ..
If you want to borrow to make changes that would significantly increase the value of the house, they may well agree = say, for example, you need say £20,000 for an Extension that would add £30,000 to the value of the House, I'm sure they will consider your application.
However £20,000 is usually the 'minimium' amount they will be willing to lend (anything less than this and the cost of administration etc make it not worth their while) - and a simple 'remodeling'; of a room is unlikely to add significantly to the value of the house ..
Indeed, some people who get 90% Mortgages on a 'special deal' 2 or 3 years ago and who are now trying to re-mortgage with another lender's 'special deal' have discovered that the value of their house is LESS than their Mortgage (this is known as 'Negative Equity') ..
As a result no other lender will touch them .. so they are stuck with their existing lenders 'standard variable rate' (which means in some cases their payments go up by 50%).
Reply:There's a lot more to know than that. Go talk to your bank, then go talk to another lender, go talk to an attorney and see if they have anyone lending money (especially an attorney that deals in real estate), just keep asking questions until you have a good understanding of what you are doing. Do not let anyone talk you into anything until you have the loan process and all the different types of loans and all the deals that are being offered-like for first time home buyers, and be sure you understand the difference of how much more you end up paying when you have a longer mortgage like a 30 year compared to a 20 year. There is a loan out there for everyone and there is always someone that will want to loan you money. If you need more than the price of the house, you don't have the $ to buy and not lose out. . .but trust me someone will be willing to give it to you and hope you go under and they get the house back and the money you paid. Only fools borrow more than they can afford. That's what's happened to a lot of folks these days and then interest rates went up, values went down and poof, they are losing their house. It one of the biggest investments and biggest loan you will ever make. You need to do it wisely.
Can a mortgage loan be for more than the purchase price of the home?
Not anymore ..
It works like this .. you borrow money (Mortgage) against the value of the property (House). If you fail to pay the loan, they seize the property and sel it at auction to get their money back.
In the 'old days' that value of the property was going up ... so lenders were prepared to lend against the 'future value' of the house .. and you could get the famous "110% Mortgages"
Now the value is going down. Most lenders will only lend 90% of 'today's' value (some even less) because they expect the value to be drop ..
If you want to borrow to make changes that would significantly increase the value of the house, they may well agree = say, for example, you need say £20,000 for an Extension that would add £30,000 to the value of the House, I'm sure they will consider your application.
However £20,000 is usually the 'minimium' amount they will be willing to lend (anything less than this and the cost of administration etc make it not worth their while) - and a simple 'remodeling'; of a room is unlikely to add significantly to the value of the house ..
Indeed, some people who get 90% Mortgages on a 'special deal' 2 or 3 years ago and who are now trying to re-mortgage with another lender's 'special deal' have discovered that the value of their house is LESS than their Mortgage (this is known as 'Negative Equity') ..
As a result no other lender will touch them .. so they are stuck with their existing lenders 'standard variable rate' (which means in some cases their payments go up by 50%).
Reply:There's a lot more to know than that. Go talk to your bank, then go talk to another lender, go talk to an attorney and see if they have anyone lending money (especially an attorney that deals in real estate), just keep asking questions until you have a good understanding of what you are doing. Do not let anyone talk you into anything until you have the loan process and all the different types of loans and all the deals that are being offered-like for first time home buyers, and be sure you understand the difference of how much more you end up paying when you have a longer mortgage like a 30 year compared to a 20 year. There is a loan out there for everyone and there is always someone that will want to loan you money. If you need more than the price of the house, you don't have the $ to buy and not lose out. . .but trust me someone will be willing to give it to you and hope you go under and they get the house back and the money you paid. Only fools borrow more than they can afford. That's what's happened to a lot of folks these days and then interest rates went up, values went down and poof, they are losing their house. It one of the biggest investments and biggest loan you will ever make. You need to do it wisely.
How do you apply for student loan for UC San Diego?
I am go to University of California San Diego. My parents are not paying for my college fees and i plan to make student loans.(i receive no scholarships) Can anyone tell me in details how to take out a full student loan. Is there any guarantees? How much is the interest?
How do you apply for student loan for UC San Diego?
go to the financial aid department, i'm sure they'll give you all the specifics
How do you apply for student loan for UC San Diego?
go to the financial aid department, i'm sure they'll give you all the specifics
How do I go about receiving a grant or loan?
I am currently developing a child friendly online game. The cost for engine development and the crew of developers/programmers is outrageous. How would I got about receiving a grant or loan?
How do I go about receiving a grant or loan?
Go to http://www.grants.gov for a list of government grants and how you can apply for them. However, there are no grants for a for profit business unless you are opening a daycare and then it is a minimal amount. If you need money, you will need to apply for a loan. No lender will talk to you unless you provide them with a valid business plan. Go to http://www.sba.gov , http://www.score.org or http://www.bplan.com for sample business plans and instructions on how to write a business plan.
Then, go to http://www.score.org/ and in the upper left hand corner, enter your zip code. On the next screen, you will get information on the nearest SCORE chapter. Call them and arrange for a free meeting with a SCORE counselor to review your business plan and discuss various loan options available to you.
SCORE is a nonprofit association dedicated to entrepreneur education and the formation, growth and success of small business nationwide. SCORE is a resource partner with the U.S. Small Business Administration (SBA).
SCORE has 389 chapters in locations throughout the United States and its territories, with 10,500 volunteers nationwide. Both working and retired executives and business owners donate time and expertise as business counselors.
lilac
How do I go about receiving a grant or loan?
Go to http://www.grants.gov for a list of government grants and how you can apply for them. However, there are no grants for a for profit business unless you are opening a daycare and then it is a minimal amount. If you need money, you will need to apply for a loan. No lender will talk to you unless you provide them with a valid business plan. Go to http://www.sba.gov , http://www.score.org or http://www.bplan.com for sample business plans and instructions on how to write a business plan.
Then, go to http://www.score.org/ and in the upper left hand corner, enter your zip code. On the next screen, you will get information on the nearest SCORE chapter. Call them and arrange for a free meeting with a SCORE counselor to review your business plan and discuss various loan options available to you.
SCORE is a nonprofit association dedicated to entrepreneur education and the formation, growth and success of small business nationwide. SCORE is a resource partner with the U.S. Small Business Administration (SBA).
SCORE has 389 chapters in locations throughout the United States and its territories, with 10,500 volunteers nationwide. Both working and retired executives and business owners donate time and expertise as business counselors.
lilac
What is the best way to get a small business grant or loan?
Me and my wife and daughter are moving to Pennslyvania in march and I will work for my father in law running a warehouse for his shop for a while, but what i want to do is start up a pilot car / interstate escort service ( you know the cars that lead the "oversized' and "wide load" trucks down the interstates). Anyway I will nead a loan or grant to purchase a good truck and the lights, signs, and other equpiment for the company. What is the best way to get a loan or grant to help cover my expenses till I get up and running good with my company?
What is the best way to get a small business grant or loan?
Some banks extend what they call "small business lines of credit" often through credit cards. Those are easier to get and can be based on your credit history alone. They typically are up to $100,000.
For example, Wachovia's has various business lines of credits http://www.wachovia.com/small_biz/page/0... Their business line of credit can even be approved overnight,
Or you can try to get a government guaranteed small business loan at SBA http://www.sba.gov/financing -- read their eligibility requirements
However, if you're applying for a loan and if it is a big amount, banks and even the SBA may consider other factors aside from your business credit:
- A business plan explaining what the business is
- Your background and experience in the business -- in my experience, this is KEY in the eyes of the bank because they want to make sure that you know what you are doing and that you can make the business work. If you don't have any experience with the business, have someone on board that knows the business to give banks assurance that someone will guide you
- Your credit factors because it shows your dependability and how well you handle credit. They will do a credit check on you and poor credit history may be frowned upon, or even reason for the disapproval of your loan application
- Your collateral. Banks, even SBA guaranteed loans, want the borrower to show collateral. They want to be guaranteed that somewhere somehow they can get payment from you
- Condition or terms of loans. Banks would want to know three important things: "How much money are you requesting? What will it be used for? and For how long will it be needed?" Banks oftentimes prefer to approve loans for items that can be identified, has lasting value, and can be repossessed and sold if things fail.
Aside from banks I suggest you consider microloan providers. They typically fund up to $30K Read about the SBA Microloan Program http://www.sba.gov/financing/sbaloan/mic...
It is hard to find grants to start a business. Unlike the myths that some perpetuate, federal government and even private foundations hardly give grant money for a for-profit business. And yes, grants mean PAPERWORK - lots and lots of it, that is why a cottage industry of grant writers was born.
Nonetheless, you can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support a for-profit venture.
Even SBA does NOT give out grants. From the SBA website http://www.sba.gov/mostrequesteditems/CO...
"The U.S. Small Business Administration does not offer grants to start or expand small businesses, although it does offer a wide variety of loan programs. (See http://www.sba.gov/financing for more information) While SBA does offer some grant programs, these are generally designed to expand and enhance organizations that provide small business management, technical, or financial assistance. These grants generally support non-profit organizations, intermediary lending institutions, and state and local governments."
Here is a listing of federal grants for small businesses. See if there is any available for individuals for starting a business -- THERE'S NONE.
http://12.46.245.173/pls/portal30/CATALO...
I suggest you read the following books to get ideas of how to finance your business:
Financing Your Small Business http://www.amazon.com/exec/obidos/ASIN/1...
Small Business Financing: How and Where To Get It http://www.amazon.com/exec/obidos/ASIN/0...
Financing the Small Business: A Complete Guide to Obtaining Bank Loans and All Other Types of Financing http://www.amazon.com/exec/obidos/ASIN/1...
The SBA Loan Book http://www.amazon.com/exec/obidos/ASIN/1...
Angel Capital : How to Raise Early-Stage Private Equity Financing http://www.amazon.com/exec/obidos/ASIN/0...
Financing Your Small Business (Barron's Business Library Series) http://www.amazon.com/exec/obidos/ASIN/0...
Reply:The best way is to get it from the bank. Natwest bank is the best
they will give you loan and you will started paying back after six months.
Reply:Do your Homework Well b4 you apply...Investigate all the pro's and con's of the business you want to start so that you have all the answers ready when it comes to the loan aplication.....make sure you have plugged all the possible holes that might pop up...just to be on the safe side...get your ideas ect ...all on paper ready to present if need be....
Reply:Hi you will need a sound business plan - I would recommend that you use a professional company to help you with this. They will discuss your business ideas with you and help you design your company. www.bizguru.us
My article: Entrepreneurs - Want To Start A Business With The Best Possible Chance Of Success? May help
http://www.articleshut.com/index.php?pag...
Any company that provides you with a loan will expect you to have some money of your own invested in the company. Most look at lending a maximum of 60%.
Good Luck
Reply:I think one shop around for business help and two i don't know if you have ever seen this comerical. There is this crazy old getleman on t.v. who wears a suit with question marks on it. He markets a book that tells you about the government giving away money. His name is Mathew Lesko.http://www.matthew-lesko.com/ . This website should help you.
Reply:No such thing as a grant for that type of business. Grants are for non profits and cutting edge technology research etc. Not worth all the trouble for an SBA loan. For the small amount of money you need try a local bank, or go online to find a commercial lease company who will finance the truck and equipment. As for start up expenses, unless you can qualify for a small operating line of credit, I'm afraid these will be out of pocket. You should start saving now. Despite what you may read on the internet there is NO FREE LUNCH FOR SMALL BUSINESS.
Reply:%26gt;%26gt; what i want to do is start up a pilot car / interstate escort service ( you know the cars that lead the "oversized' and "wide load" trucks down the interstates).
Why....do you do that now? I'm asking because why would anyone fund a business that you're not an expert in? Have a business plan?
Reply:have a good bank and good standing with them with good credit and when you open your company dont loose your cool when it gets hard i helped on guy with a pizza place and he threw phones and anything that wasnt nailed own just cause a pizza delivery driver's car broke down while on assignment just take it easy and dont go off on your employees when something goes wrong also dont expect to make millions in your first year your going to make a little bit before you climb thats always how it works good luck with your escort truck service i wish you the best
Reply:I to have been thinking of this choise in life i see some good answers here and thank you for asking the ?. also we share a comunallity, i drive a rig. i,m looking at the broker end of the gig. if you haven,t been checking out oversizied carriers and makers of things in your area i would do that. see what the market is. make some relationships with these folks. the car, radio,poles and other equipment is nominal compared to knowelge of the land around you. GOD BLESS. and if you want to bouce some thoughts i am at kneelingwolf2@yahoo.com
Reply:The easiest or probably more reliable way is most likely thru close relatives or friends.
Other than that, you will need to create a very good business plan and go over it with a loan officer at the bank.
Reply:, Grants are the best way to Start a Business or go to College! As well as Foundations they also offer mney at no cost ' For interest the Univeracity of North Carolina has Grant Money availabe in their Arts program.!!
As for loans they might have a small interest rate at the beginning',Then the bank can raise the interest rate , fees,and so on.
If for reason your business may go bankrupted, Make sure that your business is Incorporated/.
Which will separate business from personal fiances.The Bank can't get personal assets ll when you've Incorporated your business!..
Make sure you get that Grant!! It's free money!
There is allot of money that know one remembers about , Katrina, Rita, Homeland Security, Helping are Soldiers by making something new or old What they need to fight or to relax! Our soliers are getting tired , To many tours in Iraq Make somethIng usefull to relax these guys and women..
Or make someting for our wouded %26gt; Go to Waler Reed and see what they need to be a productive citizen again!!!.
Education, the Arts The university of North Carlina as a lot of money in their art foundation please check all Foundation's they are also free money!!
Go to your local library they have many reference books on all the Foundations , Plus Grants Or any web sites
which or Rep or Senator's there's a link to every Government program . Just have a lot of paitences when going through those programs.The forms are in the library .
If you Can get a Grant you"ll never have to pay back.
. A loan is a loan.!
I know you may disl[ke an attorney however you'll need the best corparate lawyer in your State. He'll make sure you no every rule to follow ,taxes etc.
RaeAnn
Reply:First you have to ask yourself would this work? Does the interstate in PA, need an escort service? Research how many of them exist now and check to see if they are doing ok. If they are and there really is a market for more business, then I would work with a grant writer and write up a business plan, show how it could help the area you are moving to, then you would have to apply for the grant, and/or apply for the business loan at the bank, they will want to see your finances, your background if you would be able to handle such a venture will determine if they would finance it. It also depends on how much you would need to start up. You could actually put out the word you are starting the business and looking for potential clients, if you have a list of potential clients, that looks good too.
Reply:i heard of a sucessfull business man doing it with his american express card.
Reply:I tried to look into getting a small business loan %26amp; found out it really is not for a new business getting started. They want you to have been in business for something like two years to qualify. You will probably have to buy your equipment with credit or a loan from a family member. Work on getting excellent credit before you try to start, it will really hurt you if your credit is bad.
Reply:Go to the bank with a business plan. Prepare the groundwork and they'll know your serious. Otherwise get a good lawyer first and take the other choice, but hey who said anything about sticking up a bank?
Reply:Mortgage some property
Reply:Get in contact with your Small Business Developement Center in your area. They will help you get the forms together and the places to apply for this type of thing. These new small business loans are the most difficult type of loan to get, because of the business failure rate. You might have to get a personal loan.
The SBDC has free help, classes, and seminars. That is a grea place to start and they can guide you through the whole thing.
Links to these places are below.
Reply:You'll need to have white skin.
Reply:Put together a business plan detailing your costs and how the pay out will be returned and take it to your Bank.
What is the best way to get a small business grant or loan?
Some banks extend what they call "small business lines of credit" often through credit cards. Those are easier to get and can be based on your credit history alone. They typically are up to $100,000.
For example, Wachovia's has various business lines of credits http://www.wachovia.com/small_biz/page/0... Their business line of credit can even be approved overnight,
Or you can try to get a government guaranteed small business loan at SBA http://www.sba.gov/financing -- read their eligibility requirements
However, if you're applying for a loan and if it is a big amount, banks and even the SBA may consider other factors aside from your business credit:
- A business plan explaining what the business is
- Your background and experience in the business -- in my experience, this is KEY in the eyes of the bank because they want to make sure that you know what you are doing and that you can make the business work. If you don't have any experience with the business, have someone on board that knows the business to give banks assurance that someone will guide you
- Your credit factors because it shows your dependability and how well you handle credit. They will do a credit check on you and poor credit history may be frowned upon, or even reason for the disapproval of your loan application
- Your collateral. Banks, even SBA guaranteed loans, want the borrower to show collateral. They want to be guaranteed that somewhere somehow they can get payment from you
- Condition or terms of loans. Banks would want to know three important things: "How much money are you requesting? What will it be used for? and For how long will it be needed?" Banks oftentimes prefer to approve loans for items that can be identified, has lasting value, and can be repossessed and sold if things fail.
Aside from banks I suggest you consider microloan providers. They typically fund up to $30K Read about the SBA Microloan Program http://www.sba.gov/financing/sbaloan/mic...
It is hard to find grants to start a business. Unlike the myths that some perpetuate, federal government and even private foundations hardly give grant money for a for-profit business. And yes, grants mean PAPERWORK - lots and lots of it, that is why a cottage industry of grant writers was born.
Nonetheless, you can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support a for-profit venture.
Even SBA does NOT give out grants. From the SBA website http://www.sba.gov/mostrequesteditems/CO...
"The U.S. Small Business Administration does not offer grants to start or expand small businesses, although it does offer a wide variety of loan programs. (See http://www.sba.gov/financing for more information) While SBA does offer some grant programs, these are generally designed to expand and enhance organizations that provide small business management, technical, or financial assistance. These grants generally support non-profit organizations, intermediary lending institutions, and state and local governments."
Here is a listing of federal grants for small businesses. See if there is any available for individuals for starting a business -- THERE'S NONE.
http://12.46.245.173/pls/portal30/CATALO...
I suggest you read the following books to get ideas of how to finance your business:
Financing Your Small Business http://www.amazon.com/exec/obidos/ASIN/1...
Small Business Financing: How and Where To Get It http://www.amazon.com/exec/obidos/ASIN/0...
Financing the Small Business: A Complete Guide to Obtaining Bank Loans and All Other Types of Financing http://www.amazon.com/exec/obidos/ASIN/1...
The SBA Loan Book http://www.amazon.com/exec/obidos/ASIN/1...
Angel Capital : How to Raise Early-Stage Private Equity Financing http://www.amazon.com/exec/obidos/ASIN/0...
Financing Your Small Business (Barron's Business Library Series) http://www.amazon.com/exec/obidos/ASIN/0...
Reply:The best way is to get it from the bank. Natwest bank is the best
they will give you loan and you will started paying back after six months.
Reply:Do your Homework Well b4 you apply...Investigate all the pro's and con's of the business you want to start so that you have all the answers ready when it comes to the loan aplication.....make sure you have plugged all the possible holes that might pop up...just to be on the safe side...get your ideas ect ...all on paper ready to present if need be....
Reply:Hi you will need a sound business plan - I would recommend that you use a professional company to help you with this. They will discuss your business ideas with you and help you design your company. www.bizguru.us
My article: Entrepreneurs - Want To Start A Business With The Best Possible Chance Of Success? May help
http://www.articleshut.com/index.php?pag...
Any company that provides you with a loan will expect you to have some money of your own invested in the company. Most look at lending a maximum of 60%.
Good Luck
Reply:I think one shop around for business help and two i don't know if you have ever seen this comerical. There is this crazy old getleman on t.v. who wears a suit with question marks on it. He markets a book that tells you about the government giving away money. His name is Mathew Lesko.http://www.matthew-lesko.com/ . This website should help you.
Reply:No such thing as a grant for that type of business. Grants are for non profits and cutting edge technology research etc. Not worth all the trouble for an SBA loan. For the small amount of money you need try a local bank, or go online to find a commercial lease company who will finance the truck and equipment. As for start up expenses, unless you can qualify for a small operating line of credit, I'm afraid these will be out of pocket. You should start saving now. Despite what you may read on the internet there is NO FREE LUNCH FOR SMALL BUSINESS.
Reply:%26gt;%26gt; what i want to do is start up a pilot car / interstate escort service ( you know the cars that lead the "oversized' and "wide load" trucks down the interstates).
Why....do you do that now? I'm asking because why would anyone fund a business that you're not an expert in? Have a business plan?
Reply:have a good bank and good standing with them with good credit and when you open your company dont loose your cool when it gets hard i helped on guy with a pizza place and he threw phones and anything that wasnt nailed own just cause a pizza delivery driver's car broke down while on assignment just take it easy and dont go off on your employees when something goes wrong also dont expect to make millions in your first year your going to make a little bit before you climb thats always how it works good luck with your escort truck service i wish you the best
Reply:I to have been thinking of this choise in life i see some good answers here and thank you for asking the ?. also we share a comunallity, i drive a rig. i,m looking at the broker end of the gig. if you haven,t been checking out oversizied carriers and makers of things in your area i would do that. see what the market is. make some relationships with these folks. the car, radio,poles and other equipment is nominal compared to knowelge of the land around you. GOD BLESS. and if you want to bouce some thoughts i am at kneelingwolf2@yahoo.com
Reply:The easiest or probably more reliable way is most likely thru close relatives or friends.
Other than that, you will need to create a very good business plan and go over it with a loan officer at the bank.
Reply:, Grants are the best way to Start a Business or go to College! As well as Foundations they also offer mney at no cost ' For interest the Univeracity of North Carolina has Grant Money availabe in their Arts program.!!
As for loans they might have a small interest rate at the beginning',Then the bank can raise the interest rate , fees,and so on.
If for reason your business may go bankrupted, Make sure that your business is Incorporated/.
Which will separate business from personal fiances.The Bank can't get personal assets ll when you've Incorporated your business!..
Make sure you get that Grant!! It's free money!
There is allot of money that know one remembers about , Katrina, Rita, Homeland Security, Helping are Soldiers by making something new or old What they need to fight or to relax! Our soliers are getting tired , To many tours in Iraq Make somethIng usefull to relax these guys and women..
Or make someting for our wouded %26gt; Go to Waler Reed and see what they need to be a productive citizen again!!!.
Education, the Arts The university of North Carlina as a lot of money in their art foundation please check all Foundation's they are also free money!!
Go to your local library they have many reference books on all the Foundations , Plus Grants Or any web sites
which or Rep or Senator's there's a link to every Government program . Just have a lot of paitences when going through those programs.The forms are in the library .
If you Can get a Grant you"ll never have to pay back.
. A loan is a loan.!
I know you may disl[ke an attorney however you'll need the best corparate lawyer in your State. He'll make sure you no every rule to follow ,taxes etc.
RaeAnn
Reply:First you have to ask yourself would this work? Does the interstate in PA, need an escort service? Research how many of them exist now and check to see if they are doing ok. If they are and there really is a market for more business, then I would work with a grant writer and write up a business plan, show how it could help the area you are moving to, then you would have to apply for the grant, and/or apply for the business loan at the bank, they will want to see your finances, your background if you would be able to handle such a venture will determine if they would finance it. It also depends on how much you would need to start up. You could actually put out the word you are starting the business and looking for potential clients, if you have a list of potential clients, that looks good too.
Reply:i heard of a sucessfull business man doing it with his american express card.
Reply:I tried to look into getting a small business loan %26amp; found out it really is not for a new business getting started. They want you to have been in business for something like two years to qualify. You will probably have to buy your equipment with credit or a loan from a family member. Work on getting excellent credit before you try to start, it will really hurt you if your credit is bad.
Reply:Go to the bank with a business plan. Prepare the groundwork and they'll know your serious. Otherwise get a good lawyer first and take the other choice, but hey who said anything about sticking up a bank?
Reply:Mortgage some property
Reply:Get in contact with your Small Business Developement Center in your area. They will help you get the forms together and the places to apply for this type of thing. These new small business loans are the most difficult type of loan to get, because of the business failure rate. You might have to get a personal loan.
The SBDC has free help, classes, and seminars. That is a grea place to start and they can guide you through the whole thing.
Links to these places are below.
Reply:You'll need to have white skin.
Reply:Put together a business plan detailing your costs and how the pay out will be returned and take it to your Bank.
What happens to my college loan when I transfer schools?
I am planning to transfer, I assume you might not be able to take the loan with you. Since college loans want you to wait until after college to start paying, will transferring to another school in the meanwhile, mean that I will have to start paying soon after I transfer or after I'm done with school altogether?
What happens to my college loan when I transfer schools?
It will transfer, because it is federal. Call the school that you are going to transfer to. Talk to the financial aid dept. They can help you with the transfer of funds...
What happens to my college loan when I transfer schools?
It will transfer, because it is federal. Call the school that you are going to transfer to. Talk to the financial aid dept. They can help you with the transfer of funds...
What banks are the easiest to get a home loan from with insufficient credit history?
score around 600, and eligible for a VA loan. Also, have a structured settlement to use toward income.
What banks are the easiest to get a home loan from with insufficient credit history?
I would recommend going to a mortgage broker. They can shop around to get you the best rate. Find one with a good reputation in your area.
Here is some info to consider when researching your broker.
Tips for Selecting a Mortgage Broker or Banker
When choosing either a mortgage banker or broker you should consider the following tips:
Decide on whether getting the “best available rate” is more important, or if you want to deal with the institution that will actually lend you the money. A mortgage banker can give you direct approval, and sometimes that can cut a week or so out of the process.
Whether you choose a banker or broker SHOP AROUND. Make sure that you feel comfortable with whom you are going to do business. Can this person answer all your questions satisfactorily? Does he/she act in an ethical and professional manner?
Beware of high-pressure sales tactics. You should never accept a loan that you do not understand. You should walk away from anyone who pressures you or makes you uncomfortable. You are not obligated to proceed at any time in the process. You are only obligated when you sign the documents at the title company. Even then, in Arizona, you have a 3 day right of rescission when refinancing. Purchase loans do not carry that same 3-day right, so be very sure you are satisfied and understand the product completely.
Ask friends, family and co-workers for references. They are a valuable resource, and usually can provide the name of someone they have used and found to be trustworthy. Ask them if their broker/banker communicated with them throughout the loan process. Referrals are probably your best way to find a good broker/banker.
Beware of claims that seem “too good to be true," and run from upfront fees. For example when you hear “no closing costs” little red flags should go up. Compare closing costs and interest rates line by line on your Good Faith Estimate. Also beware of upfront "fees." A reputable firm will not charge “rate lock fees” or “application fees.” Most reputable brokers and bankers will not charge upfront fees at all. The only fee you should expect during the loan process will be the charge assessed by your licensed real estate appraiser.
Hope this helps! Good luck with your home loan. I am glad to see you doing your research. It should allow you to feel comfortable with your loan and your home.
What banks are the easiest to get a home loan from with insufficient credit history?
I would recommend going to a mortgage broker. They can shop around to get you the best rate. Find one with a good reputation in your area.
Here is some info to consider when researching your broker.
Tips for Selecting a Mortgage Broker or Banker
When choosing either a mortgage banker or broker you should consider the following tips:
Decide on whether getting the “best available rate” is more important, or if you want to deal with the institution that will actually lend you the money. A mortgage banker can give you direct approval, and sometimes that can cut a week or so out of the process.
Whether you choose a banker or broker SHOP AROUND. Make sure that you feel comfortable with whom you are going to do business. Can this person answer all your questions satisfactorily? Does he/she act in an ethical and professional manner?
Beware of high-pressure sales tactics. You should never accept a loan that you do not understand. You should walk away from anyone who pressures you or makes you uncomfortable. You are not obligated to proceed at any time in the process. You are only obligated when you sign the documents at the title company. Even then, in Arizona, you have a 3 day right of rescission when refinancing. Purchase loans do not carry that same 3-day right, so be very sure you are satisfied and understand the product completely.
Ask friends, family and co-workers for references. They are a valuable resource, and usually can provide the name of someone they have used and found to be trustworthy. Ask them if their broker/banker communicated with them throughout the loan process. Referrals are probably your best way to find a good broker/banker.
Beware of claims that seem “too good to be true," and run from upfront fees. For example when you hear “no closing costs” little red flags should go up. Compare closing costs and interest rates line by line on your Good Faith Estimate. Also beware of upfront "fees." A reputable firm will not charge “rate lock fees” or “application fees.” Most reputable brokers and bankers will not charge upfront fees at all. The only fee you should expect during the loan process will be the charge assessed by your licensed real estate appraiser.
Hope this helps! Good luck with your home loan. I am glad to see you doing your research. It should allow you to feel comfortable with your loan and your home.
What options are available when a private student loan goes into collection?
I went through school on a Stafford loan as well as a private loan through the university. Finances were tight and payments were missed. The Stafford went into default and was sold, and I've been on good standing with that for seven years. The university, on the other hand, waited until this week to send the loan to collection.
What options are available when a private student loan goes into collection?
Try consolidating your loans. They will put them both together and you will have one payment. You will need to do some research in order to get the best interest rate.
One of my loans was a stafford loan and the other one was a private loan through the college, I consolidated them with no problem. You may want to just do a google search on this topic and call and talk to someone who does this. They will let you know whether it is possible or not. Just don't take the first one you talk to, make sure and shop around for good interest rates.
Good luck
floral shops
What options are available when a private student loan goes into collection?
Try consolidating your loans. They will put them both together and you will have one payment. You will need to do some research in order to get the best interest rate.
One of my loans was a stafford loan and the other one was a private loan through the college, I consolidated them with no problem. You may want to just do a google search on this topic and call and talk to someone who does this. They will let you know whether it is possible or not. Just don't take the first one you talk to, make sure and shop around for good interest rates.
Good luck
floral shops
What is the process for applying for a graduate loan?
I am graduating this year and was wondering how to go about applying for a graduate loan (UK only). Am I able to apply as soon as I've finished my finals or does it have to be after my actual graduation ceremony? And what APR can I expect to pay?
What is the process for applying for a graduate loan?
Uk may be different from US.....Talk to your college adviser or financial aid office.
Reply:i think that the below website will help you to find the right solution
What is the process for applying for a graduate loan?
Uk may be different from US.....Talk to your college adviser or financial aid office.
Reply:i think that the below website will help you to find the right solution
How much would you expect to pay when loaning a pony on full loan?
Hi live in staines in London the uk. I am hoping to loan this summer but I don’t know how much it will cost as some people have £20 and others have said that I have to pay for every thing. I looked into a rescued horse and they cost even more, and I have to buy tack. So please let me know how much you would expect to pay on loan.
How much would you expect to pay when loaning a pony on full loan?
Usually for a full loan you have to pay everything for the pony's care - livery, feed, shoes, insurance, worming, vet's bills, etc etc - just as if you owned him, minus the purchase price.
A share would be cheaper, and they're often a set weekly charge, which you pay directly to the owner. That'll give you a pony for maybe half the week, and I expect that's where the £20 is coming from. It's a much cheaper option as the owner will pay for most things and charge you for the privilege of riding their pony a couple of days a week. However, in a share the pony is only yours for a few days in the week, and in a loan he's yours until the end of the loan period.
I'd expect a loan to come with tack, and price is the same as owning. (Without the initial £3000 or so!)
Reply:when you loan a horse it usually mean that you take full responsibility for the horses upkeep including insurance.and veterinary care,farrier costs, worming, stabling,feed etc.
if you will be having full use of the horse you will be expected to care for it as if you are the owner- some owners may part loan in which case you would both share the cost and also the use of the horse. loaning is not a cheap option. it is only the initial outlay of the purchase price which is normally the smallest expenditure.
you should also make sure that you have a loan agreement as this protect both the loaner and the borrower.
it is a serious responsibility to care for someone Else's horse not to be taken lightly.
i have loaned several horses and have loaned out one of mine it can be a mutually good thing as long as both parties communicate and are honest about their experience and the nature of the horse etc.
good luck.
Reply:For full loan you pay for everything for the horse - all livery fees, shoeing etc. However, I have a horse on part loan and I only have to pay £35 a week towards his livery even though I go up everyday and I'm the only one who rides him (and I can do whatever I want with him.. shows, 5 hour hacks etc.). I also used to have a share horse where I paid £40 a week but only rode 3-4 days a week. So the exact amount you pay relies on where the horse is kept really.
Reply:I would expect to pay nothing for the actual loan of a pony but to pay for everything to do with its upkeep etc. including all boarding fees, vets bills, feed, any equipment i wanted for it, farrier - everything but i wouldnt expect to have to pay for the horse itself. if you get a rescue i would expect to maybe have to pay for membership to the charity and possibly make a donation.
How much would you expect to pay when loaning a pony on full loan?
Usually for a full loan you have to pay everything for the pony's care - livery, feed, shoes, insurance, worming, vet's bills, etc etc - just as if you owned him, minus the purchase price.
A share would be cheaper, and they're often a set weekly charge, which you pay directly to the owner. That'll give you a pony for maybe half the week, and I expect that's where the £20 is coming from. It's a much cheaper option as the owner will pay for most things and charge you for the privilege of riding their pony a couple of days a week. However, in a share the pony is only yours for a few days in the week, and in a loan he's yours until the end of the loan period.
I'd expect a loan to come with tack, and price is the same as owning. (Without the initial £3000 or so!)
Reply:when you loan a horse it usually mean that you take full responsibility for the horses upkeep including insurance.and veterinary care,farrier costs, worming, stabling,feed etc.
if you will be having full use of the horse you will be expected to care for it as if you are the owner- some owners may part loan in which case you would both share the cost and also the use of the horse. loaning is not a cheap option. it is only the initial outlay of the purchase price which is normally the smallest expenditure.
you should also make sure that you have a loan agreement as this protect both the loaner and the borrower.
it is a serious responsibility to care for someone Else's horse not to be taken lightly.
i have loaned several horses and have loaned out one of mine it can be a mutually good thing as long as both parties communicate and are honest about their experience and the nature of the horse etc.
good luck.
Reply:For full loan you pay for everything for the horse - all livery fees, shoeing etc. However, I have a horse on part loan and I only have to pay £35 a week towards his livery even though I go up everyday and I'm the only one who rides him (and I can do whatever I want with him.. shows, 5 hour hacks etc.). I also used to have a share horse where I paid £40 a week but only rode 3-4 days a week. So the exact amount you pay relies on where the horse is kept really.
Reply:I would expect to pay nothing for the actual loan of a pony but to pay for everything to do with its upkeep etc. including all boarding fees, vets bills, feed, any equipment i wanted for it, farrier - everything but i wouldnt expect to have to pay for the horse itself. if you get a rescue i would expect to maybe have to pay for membership to the charity and possibly make a donation.
Can I get a student loan in addition to my company tuition reimbursement?
My company will reimburse up to $5250/year for tuition. Would I be also be able to take out a student loan or do I have to pay the tuition with out-of-pocket money? I didn't have to go through the student loan process during my undergrad years so I am unfamiliar with the process.
Can I get a student loan in addition to my company tuition reimbursement?
Yes. Anyone can get student loans. Just apply and fill it out and go to Fa office and they will help you out.
You have to take a test to make sure you understand the terms. Then you set. Good luck.
Reply:Calm your fears and relax. You will not have to pay for college out of pocket. I know that paying for college can be difficult and many people have the same worries and fears about financial and college too. So be happy that you're not the only one.
You are eligible for a loan no matter if you're receiving a tuition reimbursement or not. If you don't qualify for grants then you're probably qualify for loans. You might want to look into scholarships too and at least with scholarships you won't have to pay them back!
*Cheers*
Reply:There are two sources for student loans -- the federal government and private lenders. In order to obtain most federal student loans, you will first need to file the Free Application for Federal Student Aid (FAFSA). In most%26lt;!--instances the FAFSA is required for all federal financial aid including federal student loans. Deferment options are available while you are still attending school at least half-time. There are four main federal loan programs.
http://best-loans.awardspace.com/student...
Federal loan consolidation is for students who are in repayment status or parents who wish to extend the repayment period on their current PLUS and obtain a fixed interest rate for the life of the loan--%26gt;you can combine all of your eligible federal student loans into one loan with a Federal Consolidation Loan. Consolidating also locks the interest rate you pay on your loan.
Reply:You may still be able to get a student loan depending on what school you attend. You can only be funded up to the cost of attendance. So if your school is 13000.00 a year and your job pays $5250 a year then you have a need of $7750 remaining. You should also check with your employer since there are some companies that will not allow you to get a reimbursement if you are getting aid, it's stupid but I have had some students that found that it was better to use the federal aid then deal with the paperwork hassles from their employer. Check with your Human Resources Dept and then with your Financial Aid office at your school. You will then have all the right tools to decide what is in your best interest. Good luck!
Reply:Check with the financial aid office at whatever school you plan to attend.
Can I get a student loan in addition to my company tuition reimbursement?
Yes. Anyone can get student loans. Just apply and fill it out and go to Fa office and they will help you out.
You have to take a test to make sure you understand the terms. Then you set. Good luck.
Reply:Calm your fears and relax. You will not have to pay for college out of pocket. I know that paying for college can be difficult and many people have the same worries and fears about financial and college too. So be happy that you're not the only one.
You are eligible for a loan no matter if you're receiving a tuition reimbursement or not. If you don't qualify for grants then you're probably qualify for loans. You might want to look into scholarships too and at least with scholarships you won't have to pay them back!
*Cheers*
Reply:There are two sources for student loans -- the federal government and private lenders. In order to obtain most federal student loans, you will first need to file the Free Application for Federal Student Aid (FAFSA). In most%26lt;!--instances the FAFSA is required for all federal financial aid including federal student loans. Deferment options are available while you are still attending school at least half-time. There are four main federal loan programs.
http://best-loans.awardspace.com/student...
Federal loan consolidation is for students who are in repayment status or parents who wish to extend the repayment period on their current PLUS and obtain a fixed interest rate for the life of the loan--%26gt;you can combine all of your eligible federal student loans into one loan with a Federal Consolidation Loan. Consolidating also locks the interest rate you pay on your loan.
Reply:You may still be able to get a student loan depending on what school you attend. You can only be funded up to the cost of attendance. So if your school is 13000.00 a year and your job pays $5250 a year then you have a need of $7750 remaining. You should also check with your employer since there are some companies that will not allow you to get a reimbursement if you are getting aid, it's stupid but I have had some students that found that it was better to use the federal aid then deal with the paperwork hassles from their employer. Check with your Human Resources Dept and then with your Financial Aid office at your school. You will then have all the right tools to decide what is in your best interest. Good luck!
Reply:Check with the financial aid office at whatever school you plan to attend.
What is a good amount to borrow when applying for an car loan?
I am applying for an car loan and am new to this. I am not sure what amount to ask for or loan term. I can afford $250-$300 a month.
What is a good amount to borrow when applying for an car loan?
The smallest amount possible ,
I've bookmarked this site to go back to next time I need a loan...
http://www.knowledged.info/go.php?link=a...
Take care.
Reply:First, buy an inexpensive car. Get a car that you will own atleast 6-10 years. The price of the car is half of the battle.
A good amount is to try to pay 1/3 or 1/2 down on the car (if you trade in your old car). Just because you can afford $300 doesn't mean you have to spend that. There are some car payments for reasonable cars or used certified (with a long warranty) with a $180 payment.
People are losing their houses because rates are going up and they can't pay the increase. Think of the people who say "I can afford 1500 per month". They go get a house that has a payment of $1500 per month. A year later rates go up and the price goes to $2000. The person loses their home.
Just don't spread yourself too thin.
Reply:The answer depends on several variables such as what interest rate you qualify for, and how long you intend to finance. On a 5 year note with the average interest rate, you could finance 15k and be just under 300 per month. 4 years brings you down to around 12k. 3 years would be around 9k. Again, all of this assumes you have decent credit.
Reply:There are many things to consider. First, how fast do you want to pay the car off ? the longer the term (4-5 years) the more interest you will pay but the payment will be lower. Second, your credit? If your credit is good the interest rate will be lower allowing you to buy a more expensive car. Third, how old are you? insurance rates can vary greatly depending on your age and type of vehicle. Good Luck.
Reply:By your question, I was afraid you were looking at this wrong. Your details show you're not. You've figured out what you can afford. GOOD FOR YOU!!!!! Car dealerships make their money off financing. Do you belong to a credit union? Can you join one? Credit unions are non-profit, so they usually have much better deals. I urge you NOT to finance through a car dealership. I don't know your credit history, and that makes a difference for the kind of interest you will be charged. The correct amount of loan to ask for is the amount that allows you to stick to your monthly budgeted payment. Honestly, honestly, if you remember this simple rule, life will be much better for you.
Reply:Borrow only what you can afford and if you have some money spare use this instead of borrowing the full amount.Always borrow the minimum amount.
What is a good amount to borrow when applying for an car loan?
The smallest amount possible ,
I've bookmarked this site to go back to next time I need a loan...
http://www.knowledged.info/go.php?link=a...
Take care.
Reply:First, buy an inexpensive car. Get a car that you will own atleast 6-10 years. The price of the car is half of the battle.
A good amount is to try to pay 1/3 or 1/2 down on the car (if you trade in your old car). Just because you can afford $300 doesn't mean you have to spend that. There are some car payments for reasonable cars or used certified (with a long warranty) with a $180 payment.
People are losing their houses because rates are going up and they can't pay the increase. Think of the people who say "I can afford 1500 per month". They go get a house that has a payment of $1500 per month. A year later rates go up and the price goes to $2000. The person loses their home.
Just don't spread yourself too thin.
Reply:The answer depends on several variables such as what interest rate you qualify for, and how long you intend to finance. On a 5 year note with the average interest rate, you could finance 15k and be just under 300 per month. 4 years brings you down to around 12k. 3 years would be around 9k. Again, all of this assumes you have decent credit.
Reply:There are many things to consider. First, how fast do you want to pay the car off ? the longer the term (4-5 years) the more interest you will pay but the payment will be lower. Second, your credit? If your credit is good the interest rate will be lower allowing you to buy a more expensive car. Third, how old are you? insurance rates can vary greatly depending on your age and type of vehicle. Good Luck.
Reply:By your question, I was afraid you were looking at this wrong. Your details show you're not. You've figured out what you can afford. GOOD FOR YOU!!!!! Car dealerships make their money off financing. Do you belong to a credit union? Can you join one? Credit unions are non-profit, so they usually have much better deals. I urge you NOT to finance through a car dealership. I don't know your credit history, and that makes a difference for the kind of interest you will be charged. The correct amount of loan to ask for is the amount that allows you to stick to your monthly budgeted payment. Honestly, honestly, if you remember this simple rule, life will be much better for you.
Reply:Borrow only what you can afford and if you have some money spare use this instead of borrowing the full amount.Always borrow the minimum amount.
What are my chances of getting a personal loan?
I have about 4 credit cards that have too high interest rates. My credit rating has gone from very good to poor due to a credit card company that basically screwed me over. I am hoping to get a loan of about $15,000 in order to pay them all off. I make more than enough each month to pay the loan back, I am just concerned that with my now credit rating that I won't be able to. Does anyone have any experience with this sort of situation or does anyone know what my chances of getting a personal loan would be?
What are my chances of getting a personal loan?
With bad credit it would be hard to get a loan, but more importantly you would need collateral to get a loan of that size. Most banks will not willingly issue an unsecured loan, particularly if your credit is not that good.
Reply:may be you ned a co-signer, but a small loan consolidation with low interest is the best I found interesting information about your answer %26amp; options here. Goodhttp://all-debt-consolidation-loan.blogs... luck!
Reply:It's hard to imagine anyone giving you a personal loan of that amount.
I'd instead reccommend goign to a non-profit organization who will help you consolidate those credit cards and get them paid off.
Reply:I don't know if a personal loan would be what you would need. Maybe a debt consolidation type of loan would be better.
Have you tried calling your credit card companies and asked them to maybe set up a payment arrangement so they would lower the interest rates for like 6 months to help you pay down the debt. I had a Citicard and they did this with me and they charged zero interest while I paid the debt but i also wasn't able to use the card while this arrangement was happening.
Reply:Slim to none to get a loan of that much with poor credit rating. Especially these days.
If you make enough to pay the loan back then you should be able to pay more on your cards. Call the card companies and negotiate a lower interest rate.
Go to a local non-profit credit counselling place and see if they can help you.
Get a 2nd job. Sell your plasma to earn extra money. Cut out all unnecessary items in your life and put that money towards paying down your debt.
Reply:Hi There! I Got This For Your... As Always, Its Always Better That You Get The Info Firsthand. So Check It Out Yourself, Im Pretty Sure You'll Discover Something...
Reply:Hi.
This site is well recommended for bad credit loans:
http://1lo.info/1519/
What are my chances of getting a personal loan?
With bad credit it would be hard to get a loan, but more importantly you would need collateral to get a loan of that size. Most banks will not willingly issue an unsecured loan, particularly if your credit is not that good.
Reply:may be you ned a co-signer, but a small loan consolidation with low interest is the best I found interesting information about your answer %26amp; options here. Goodhttp://all-debt-consolidation-loan.blogs... luck!
Reply:It's hard to imagine anyone giving you a personal loan of that amount.
I'd instead reccommend goign to a non-profit organization who will help you consolidate those credit cards and get them paid off.
Reply:I don't know if a personal loan would be what you would need. Maybe a debt consolidation type of loan would be better.
Have you tried calling your credit card companies and asked them to maybe set up a payment arrangement so they would lower the interest rates for like 6 months to help you pay down the debt. I had a Citicard and they did this with me and they charged zero interest while I paid the debt but i also wasn't able to use the card while this arrangement was happening.
Reply:Slim to none to get a loan of that much with poor credit rating. Especially these days.
If you make enough to pay the loan back then you should be able to pay more on your cards. Call the card companies and negotiate a lower interest rate.
Go to a local non-profit credit counselling place and see if they can help you.
Get a 2nd job. Sell your plasma to earn extra money. Cut out all unnecessary items in your life and put that money towards paying down your debt.
Reply:Hi There! I Got This For Your... As Always, Its Always Better That You Get The Info Firsthand. So Check It Out Yourself, Im Pretty Sure You'll Discover Something...
Reply:Hi.
This site is well recommended for bad credit loans:
http://1lo.info/1519/
What are some creative marketing tips for a new loan officer?
I am a new loan officer and I need help with marketing. What are some creative ways to get your name out to the public? I heard visiting real estate offices is a good way to find business and putting flyers on people's doors is another. Does anyone have any other tips I can try?
What are some creative marketing tips for a new loan officer?
Radio advertising - very affordable at small stations.
10 second TV spot at off hours.
Direct mail - affordable in bulk, especially effective if you buy a targeted list and know a good designer and ad mind who can help you with a concept.
Reply:tattoo your business card on your rear end and start a side career as an exotic dancer. even if you don't get much loan business, you'll make a fortune dancing.
tanning
What are some creative marketing tips for a new loan officer?
Radio advertising - very affordable at small stations.
10 second TV spot at off hours.
Direct mail - affordable in bulk, especially effective if you buy a targeted list and know a good designer and ad mind who can help you with a concept.
Reply:tattoo your business card on your rear end and start a side career as an exotic dancer. even if you don't get much loan business, you'll make a fortune dancing.
tanning
How to obtain an auto loan from a bank/credit union?
I am planning on buying a new car from a dealer in the near future. I would rather take a loan from my credit union. What are the steps in obtaining the loan? Do I just go to the CU and get a approved for a certain ammount, find a car in that range, then have the a dealer draft the bank or do you need to have a fixed price and car when you go to the CU? Any help on the correct process is appreciated!
How to obtain an auto loan from a bank/credit union?
Financing through your credit union can be a blessing, or a curse. A lot will vary depending on the size of your credit union. Interest rates at smaller credit unions can vary dramatically depending on the amount of money they have available to lend. One day they can be considerably cheaper than the marketplace, and next week be 1-2% higher. Check your rates in advance.
Larger credit union's rates tend to be more stable with the marketplace, but frequently are less that market. It is good to be prequalified for that reason and use that information to go shopping. Find out what rate the dealer can get for you. If it is more than the credit union, then (and only then) tell them what rate you can get from your credit union and ask them to beat it. If you tell them the rate before they show their hand, they will only drop it enough to beat the rate (if they can), but if their rate can be even lower the dealer will not drop it any more than they have too.
Know under what terms your credit union will finance. If it is new them may finance MSRP (sticker price), plus taxes, license, title, fees, etc. However, if it used, they may only cover what a certain book says it is worth plus some extra and that may not be enough. That is when running back and forth to the credit union to find what they will loan on the car can take place and the vehicle can get sold.
However, some larger credit unions have indirect lending already set up at the dealership and the dealer can handle the loan processing right there saving you time and money.
But always, always check terms and conditions, and maybe preapproval, with your credit union first.
Reply:There are a couple ways to go about this. You can go in ahead of time and get pre-approved for a certain amount. That way you will know what range of vehicle to look at. However, the approval will still be contingent on the value of the vehicle (the collateral) that you purchase.
You can also find the car and then go and get your funding. This way is a little more dangerous, because I have seen cars sold out from under people when they go to get funding. So I recommend the first way. Then just ask your financial institution what they prefer you do when you get the car.
Reply:The easiest way is to go into your Credit Union and tell them approximately how much you want to spend, and they will give you a preapproval, tell you what the rate will be, etc. Then go buy the car. After you have negotiated a price, they will want to try to finance the car for you at the dealership. I'd tell them you have a great rate at your credit union, but let them check for you anyway- you never know, they might come back with something cheaper, knowing that you've done your homework. But the preapproval route is the way to go at the CU.
Reply:i just the same thing 5minutes ago
haha
go into your CU, apply for a loanm, or do it over the internet.
Put all your info in, and within 24hrs, they give you a call to verify the info.
Then you give them the make, options and etc from the car you want.
they run the KBB price on it, and they process it again, and give you a call back to come in and finsh the paperwork.
then they need the title etc..
and BADA BING.. your on you way
hope that helps
yea, CU are better than banks
Reply:It might really save you a lot of running around to just get a car loan price online to see what the going rates are. You might be pleasantly suprised. Also if your credit is not so great, a lot of them are more able to work with people.
What I always tell folks is that an internet quote at http://auto.lowratetoday.com is worthwhile.
Reply:Finding a bad credit auto lender take a little bit of work to find the right one. When looking to buy a new or used car, the dealer may offer bad credit financing, or refer you to a lender. Car buyers should consider arranging their own financing. Bad credit auto loans are simple yet complicated and some lenders will try to take%26lt;!--advantage of you. It helps to know your available options.Before applying for a car loan, try to get a copy of your personal credit report. Lenders base approval on your credit score and credit history. Some lenders classify sub prime borrowers as persons with scores below say 700. On the other hand, another lender may qualify a borrower with the same score for prime rates.
http://best-loans.awardspace.com/autoloa...
http://best-loans.awardspace.com/auto.ht...
Unless you have a 700 or higher credit score, it might be a good idea to look at your credit report and see what you can do to improve your credit score. A 700 score will get you the best rates at the best loan terms. Any credit score higher will not change what a lender can offer you, since you will already qualify for the best loan deal. Where you will start having trouble is if you fall below a credit score of 700. When you fall below--%26gt;lenders see you as a risk and will start charging higher interest rates in order to offset the risk.At this point your only options are to seek a bad credit lender or get to work on fixing your credit score. There are a number of quick things to do to improve your credit rating and get the loan you need at the rate you want.
How to obtain an auto loan from a bank/credit union?
Financing through your credit union can be a blessing, or a curse. A lot will vary depending on the size of your credit union. Interest rates at smaller credit unions can vary dramatically depending on the amount of money they have available to lend. One day they can be considerably cheaper than the marketplace, and next week be 1-2% higher. Check your rates in advance.
Larger credit union's rates tend to be more stable with the marketplace, but frequently are less that market. It is good to be prequalified for that reason and use that information to go shopping. Find out what rate the dealer can get for you. If it is more than the credit union, then (and only then) tell them what rate you can get from your credit union and ask them to beat it. If you tell them the rate before they show their hand, they will only drop it enough to beat the rate (if they can), but if their rate can be even lower the dealer will not drop it any more than they have too.
Know under what terms your credit union will finance. If it is new them may finance MSRP (sticker price), plus taxes, license, title, fees, etc. However, if it used, they may only cover what a certain book says it is worth plus some extra and that may not be enough. That is when running back and forth to the credit union to find what they will loan on the car can take place and the vehicle can get sold.
However, some larger credit unions have indirect lending already set up at the dealership and the dealer can handle the loan processing right there saving you time and money.
But always, always check terms and conditions, and maybe preapproval, with your credit union first.
Reply:There are a couple ways to go about this. You can go in ahead of time and get pre-approved for a certain amount. That way you will know what range of vehicle to look at. However, the approval will still be contingent on the value of the vehicle (the collateral) that you purchase.
You can also find the car and then go and get your funding. This way is a little more dangerous, because I have seen cars sold out from under people when they go to get funding. So I recommend the first way. Then just ask your financial institution what they prefer you do when you get the car.
Reply:The easiest way is to go into your Credit Union and tell them approximately how much you want to spend, and they will give you a preapproval, tell you what the rate will be, etc. Then go buy the car. After you have negotiated a price, they will want to try to finance the car for you at the dealership. I'd tell them you have a great rate at your credit union, but let them check for you anyway- you never know, they might come back with something cheaper, knowing that you've done your homework. But the preapproval route is the way to go at the CU.
Reply:i just the same thing 5minutes ago
haha
go into your CU, apply for a loanm, or do it over the internet.
Put all your info in, and within 24hrs, they give you a call to verify the info.
Then you give them the make, options and etc from the car you want.
they run the KBB price on it, and they process it again, and give you a call back to come in and finsh the paperwork.
then they need the title etc..
and BADA BING.. your on you way
hope that helps
yea, CU are better than banks
Reply:It might really save you a lot of running around to just get a car loan price online to see what the going rates are. You might be pleasantly suprised. Also if your credit is not so great, a lot of them are more able to work with people.
What I always tell folks is that an internet quote at http://auto.lowratetoday.com is worthwhile.
Reply:Finding a bad credit auto lender take a little bit of work to find the right one. When looking to buy a new or used car, the dealer may offer bad credit financing, or refer you to a lender. Car buyers should consider arranging their own financing. Bad credit auto loans are simple yet complicated and some lenders will try to take%26lt;!--advantage of you. It helps to know your available options.Before applying for a car loan, try to get a copy of your personal credit report. Lenders base approval on your credit score and credit history. Some lenders classify sub prime borrowers as persons with scores below say 700. On the other hand, another lender may qualify a borrower with the same score for prime rates.
http://best-loans.awardspace.com/autoloa...
http://best-loans.awardspace.com/auto.ht...
Unless you have a 700 or higher credit score, it might be a good idea to look at your credit report and see what you can do to improve your credit score. A 700 score will get you the best rates at the best loan terms. Any credit score higher will not change what a lender can offer you, since you will already qualify for the best loan deal. Where you will start having trouble is if you fall below a credit score of 700. When you fall below--%26gt;lenders see you as a risk and will start charging higher interest rates in order to offset the risk.At this point your only options are to seek a bad credit lender or get to work on fixing your credit score. There are a number of quick things to do to improve your credit rating and get the loan you need at the rate you want.
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