They will be required to carry a third, but I have substantial equity. This will be a short term loan. At the present time, I am unemployed, but I have gotten a job this week. The loan is to secured by my home. Is there any way in the internet or anywhere else where I can find an investor who can approve me?
Where can I find a private investor to loan me money on my home?
http://hubpages.com/hub/Home-Improvement... This article has some good info about home equity loans. Hopefully, it can help you. :-)
Wednesday, March 17, 2010
What kind of fees can I expect to get a refund anticipation loan?
I am getting ready to file my taxes tomorrow and am wondering how much I can expect to pay to do a refund anticipation loan. Or am I even eligable. I owe for last year but am getting over ten times what I owe back this year. If I owe the state will they garninsh my federal refund?
What kind of fees can I expect to get a refund anticipation loan?
Oops, if you owe tax for last year, you cannot get a refund anticipation loan. This is because the bank does not know if the remainder of your refund will cover the loan. All it knows is that you have FMS debt and it will reject the loan.
And if you owe the state your federal refund may be offset to pay for the state. Not guaranteed, it depends on whether the state has notified FMS (the federal collection agency).
You can get the bank to accept your refund, pay the preparer, and pay you. Not a loan, and it takes a couple of weeks, but you should be eligible for that. The fees for this service would be about $30, in addition to your tax preparation fees.
Reply:Prices range from 30-150 dollars depending on where your taxes are done and how large your refund is. Report Abuse
Reply:DO NOT USE THESE LOANS! Under no circumstances are they worth it. If you used the same parameters of interest rates and fees as you would any other loan, it would be insane. The rates of interest you pay for these loans are from 40% to over 700%. Check out the attached link of the lawsuit.
You're better off living off of a credit card cash advance for the two weeks it will take to get the money... This sentence will never be uttered again in your life.
Reply:You'll pay lots.
If you owe for last year, your refund will be held up in any case for them to take out what they owe. So you wouldn't get an RAL, or get a regular refund in the normal time.
Reply:If you have a debt to the IRS, you won't be eligible for a RAL at all. If you owe any back taxes -- State or Federal -- your refund will be attached to settle the debt(s). This will delay your refund and since the RAL lender cannot get detailed information on your debt or the timeframe that your return will come through they will not lend you the money.
That's not such a bad thing though. Those RALs come with interest rates of up to 2,533% APR. I know loan sharks who don't charge that much vig.
At best, a RAL speeds up your refund by a week or two. The fees that they charge would be illegal for any other type of loan.
Reply:I doubt that will do a rapid since you owe for last year.Take advise file early and wait the two weeks. These place take way to much money and its not worth it we are talk over 20% probably. I made those mistake never again
What kind of fees can I expect to get a refund anticipation loan?
Oops, if you owe tax for last year, you cannot get a refund anticipation loan. This is because the bank does not know if the remainder of your refund will cover the loan. All it knows is that you have FMS debt and it will reject the loan.
And if you owe the state your federal refund may be offset to pay for the state. Not guaranteed, it depends on whether the state has notified FMS (the federal collection agency).
You can get the bank to accept your refund, pay the preparer, and pay you. Not a loan, and it takes a couple of weeks, but you should be eligible for that. The fees for this service would be about $30, in addition to your tax preparation fees.
Reply:Prices range from 30-150 dollars depending on where your taxes are done and how large your refund is. Report Abuse
Reply:DO NOT USE THESE LOANS! Under no circumstances are they worth it. If you used the same parameters of interest rates and fees as you would any other loan, it would be insane. The rates of interest you pay for these loans are from 40% to over 700%. Check out the attached link of the lawsuit.
You're better off living off of a credit card cash advance for the two weeks it will take to get the money... This sentence will never be uttered again in your life.
Reply:You'll pay lots.
If you owe for last year, your refund will be held up in any case for them to take out what they owe. So you wouldn't get an RAL, or get a regular refund in the normal time.
Reply:If you have a debt to the IRS, you won't be eligible for a RAL at all. If you owe any back taxes -- State or Federal -- your refund will be attached to settle the debt(s). This will delay your refund and since the RAL lender cannot get detailed information on your debt or the timeframe that your return will come through they will not lend you the money.
That's not such a bad thing though. Those RALs come with interest rates of up to 2,533% APR. I know loan sharks who don't charge that much vig.
At best, a RAL speeds up your refund by a week or two. The fees that they charge would be illegal for any other type of loan.
Reply:I doubt that will do a rapid since you owe for last year.Take advise file early and wait the two weeks. These place take way to much money and its not worth it we are talk over 20% probably. I made those mistake never again
How to find a best Graduate student federal loan?
Whould like to know where can find the best loan and what is the best rate of the Federal loan now.
How to find a best Graduate student federal loan?
here are a few sites:
student federal loan
www.studentaid.ed.gov/
lilac
How to find a best Graduate student federal loan?
here are a few sites:
student federal loan
www.studentaid.ed.gov/
lilac
Sunday, March 14, 2010
Can money from a 401k loan for a first time home go towards a down payment AND closing costs?
I know I can use a loan from my 401k towards the down payment. If I have some money left over from the 401k after that, can I use the rest for the closing costs?
Can money from a 401k loan for a first time home go towards a down payment AND closing costs?
yes!!!
Reply:If you took the money as a LOAN from your 401(k), you can use it ANY way you wish. If you WITHDREW the money from your 401(k), you WILL pay FEDERAL income tax on the FULL amount. I don't know if there is an exception from the 10% early withdraw penalty for home purchases.
Reply:That is one of the legit reasons 401k can be touched. Yes you can use any monies remaining for closing cost. The check should come in your name anyway.
Can money from a 401k loan for a first time home go towards a down payment AND closing costs?
yes!!!
Reply:If you took the money as a LOAN from your 401(k), you can use it ANY way you wish. If you WITHDREW the money from your 401(k), you WILL pay FEDERAL income tax on the FULL amount. I don't know if there is an exception from the 10% early withdraw penalty for home purchases.
Reply:That is one of the legit reasons 401k can be touched. Yes you can use any monies remaining for closing cost. The check should come in your name anyway.
Is there a law for loan applications establishing a timeframe that banks or credit unions need to respond by?
I applied for a home equity loan through a credit union, and it has been past 30 days. I have called and left messages and is trying to understand my options.
Is there a law for loan applications establishing a timeframe that banks or credit unions need to respond by?
No, they don't even have to respond to you at all. However, loan companies are leary about lending right now and everything is slower. I would certainly be asking the bank rep or broker what was going on and ask them to give you a time frame. You should have received a "truth in lending" statement with in the first 10 days after the loan app was approved. If you have not received this then that may indicate that they have not received your paperwork or they may have denied your request.
Reply:30 days is usually the norm, but now with the mess the real estate in this country is in, who knows. don't do phone calls. get down there and speak to them in person. they can avoid you too easily by phone. when you are there, demand (nicely) an answer. get there now.
Is there a law for loan applications establishing a timeframe that banks or credit unions need to respond by?
No, they don't even have to respond to you at all. However, loan companies are leary about lending right now and everything is slower. I would certainly be asking the bank rep or broker what was going on and ask them to give you a time frame. You should have received a "truth in lending" statement with in the first 10 days after the loan app was approved. If you have not received this then that may indicate that they have not received your paperwork or they may have denied your request.
Reply:30 days is usually the norm, but now with the mess the real estate in this country is in, who knows. don't do phone calls. get down there and speak to them in person. they can avoid you too easily by phone. when you are there, demand (nicely) an answer. get there now.
Can a loan company harasse my family to get info on my where abouts to repay the loan?
I don't have money right now to pay them back and they keep on calling my sister, asking where I am and whats my phone number because I moved and they don't have my new info. Right now I don't have money to pay them back. How can I make them stop calling my sister??? And can they go after my sister and get the money off of her??? She is not a co-signer in the loan.
Thanks for your answers
Can a loan company harasse my family to get info on my where abouts to repay the loan?
What you should do is be an adult and notify them of your new address - then they will quit bothering your sister. What you are doing now is hiding, plain and simple. Take some responsibility for your actions.
Reply:Hello Everybody,
My name is Joy Trust, i live in U.K. just a few month ago i was in search for a loan of € 7,000 Pounds as my family was running out of money for feeding and my education. i was scammed about € 520 Pounds and i decided not to involve my self in such business, finally colleague of my introduced me to a loan firm due to my appearance and doings. I made a trial and i am most grateful am i today, i was given a loan amount of € 9,000 Pounds by this great firm Luckson Loan Inc. managed by Mr, Jerry Luckson.
If you are in need of a genuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds i will advice you to, contact him via email jerryluckson41@yahoo.com and free from scams in the net.
Reply:They can't go after your sister if she didn't co-sign on the loan, and if they keep calling her she should tell them to stop calling and threaten to report them for violation of the Fair Debt Collection Act. She is under no obligation to reveal your whereabouts to anyone.
That being said, however, you have a responsibility to pay the loan, and trying to hide from it will only make matters worse in the long run. There's a good chance they'll work with you if you call them and explain your situation.
Reply:all she has to do is tell them that you don't live there and not to call again. if they don't do it she can the file a complaint with the BBB and follow it with the states attorney.
as for you the best thing you can do is call them and tell them your not working and have no money let them now whats going on.
they will try and put pressure on you to pay but if you don't have any money there is nothing they or u can do.
they can then lower your credit report and may en up suing you but that will not do any good if you are not working
Reply:Hello Everybody,
My name is Mrs Symone Roland and i live in the CANADA , life is worth living right now for me and my family and all this is because of one man sent by GOD to help me and my family, i once had a life filled with sorrow because my first daughter needed a kidney transplant and all our savings were going towards her medications and this normally leaves us with no money to pay our bills or even put enough food on our table and our rent was due and no funds to pay these bills and life felt so unfair to me and every night my daughter will cry herself to sleep every night until one day, i was browsing through yahoo answers and i saw a striking advert of a man that gives out personal loans and that the offer is opened to all and i have heard so many things about internet scams but at this point of my life, i was very desperate and ready to take any risk and at the end of the day, i applied for this loan and from one step to another, i got my loan within 48 hours through bank transfer and you know, it was all like a dream and i called Mr Frank Petti who is the GOD sent lender i found and said, i have received my loan and he smiled stating that to GOD be the glory and i was so shocked as i have never ever seen anyone with such a GOD fearing and kind heart and today, i am the happiest Woman on earth because by GOD'S grace, my daughter kidney transplant was successful and today she is healthy and i and my family are living very comfortable and happy and if you are in my former situation or is in serious and legitimate need of a loan, you can reach this GOD sent lender via frank_petti@yahoo.com
Reply:Email me at fort_bragg_girl@yahoo.com I will copy and paste a cease and desist letter for you to send to them it states you will only do business with the Original Creditor
Thanks for your answers
Can a loan company harasse my family to get info on my where abouts to repay the loan?
What you should do is be an adult and notify them of your new address - then they will quit bothering your sister. What you are doing now is hiding, plain and simple. Take some responsibility for your actions.
Reply:Hello Everybody,
My name is Joy Trust, i live in U.K. just a few month ago i was in search for a loan of € 7,000 Pounds as my family was running out of money for feeding and my education. i was scammed about € 520 Pounds and i decided not to involve my self in such business, finally colleague of my introduced me to a loan firm due to my appearance and doings. I made a trial and i am most grateful am i today, i was given a loan amount of € 9,000 Pounds by this great firm Luckson Loan Inc. managed by Mr, Jerry Luckson.
If you are in need of a genuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds i will advice you to, contact him via email jerryluckson41@yahoo.com and free from scams in the net.
Reply:They can't go after your sister if she didn't co-sign on the loan, and if they keep calling her she should tell them to stop calling and threaten to report them for violation of the Fair Debt Collection Act. She is under no obligation to reveal your whereabouts to anyone.
That being said, however, you have a responsibility to pay the loan, and trying to hide from it will only make matters worse in the long run. There's a good chance they'll work with you if you call them and explain your situation.
Reply:all she has to do is tell them that you don't live there and not to call again. if they don't do it she can the file a complaint with the BBB and follow it with the states attorney.
as for you the best thing you can do is call them and tell them your not working and have no money let them now whats going on.
they will try and put pressure on you to pay but if you don't have any money there is nothing they or u can do.
they can then lower your credit report and may en up suing you but that will not do any good if you are not working
Reply:Hello Everybody,
My name is Mrs Symone Roland and i live in the CANADA , life is worth living right now for me and my family and all this is because of one man sent by GOD to help me and my family, i once had a life filled with sorrow because my first daughter needed a kidney transplant and all our savings were going towards her medications and this normally leaves us with no money to pay our bills or even put enough food on our table and our rent was due and no funds to pay these bills and life felt so unfair to me and every night my daughter will cry herself to sleep every night until one day, i was browsing through yahoo answers and i saw a striking advert of a man that gives out personal loans and that the offer is opened to all and i have heard so many things about internet scams but at this point of my life, i was very desperate and ready to take any risk and at the end of the day, i applied for this loan and from one step to another, i got my loan within 48 hours through bank transfer and you know, it was all like a dream and i called Mr Frank Petti who is the GOD sent lender i found and said, i have received my loan and he smiled stating that to GOD be the glory and i was so shocked as i have never ever seen anyone with such a GOD fearing and kind heart and today, i am the happiest Woman on earth because by GOD'S grace, my daughter kidney transplant was successful and today she is healthy and i and my family are living very comfortable and happy and if you are in my former situation or is in serious and legitimate need of a loan, you can reach this GOD sent lender via frank_petti@yahoo.com
Reply:Email me at fort_bragg_girl@yahoo.com I will copy and paste a cease and desist letter for you to send to them it states you will only do business with the Original Creditor
Is there a law for loan applications establishing a timeframe that banks or credit unions need to respond by?
I applied for a home equity loan through a credit union, and it has been past 30 days. I have called and left messages and is trying to understand my options.
Is there a law for loan applications establishing a timeframe that banks or credit unions need to respond by?
No, they don't even have to respond to you at all. However, loan companies are leary about lending right now and everything is slower. I would certainly be asking the bank rep or broker what was going on and ask them to give you a time frame. You should have received a "truth in lending" statement with in the first 10 days after the loan app was approved. If you have not received this then that may indicate that they have not received your paperwork or they may have denied your request.
Reply:30 days is usually the norm, but now with the mess the real estate in this country is in, who knows. don't do phone calls. get down there and speak to them in person. they can avoid you too easily by phone. when you are there, demand (nicely) an answer. get there now.
floral shops
Is there a law for loan applications establishing a timeframe that banks or credit unions need to respond by?
No, they don't even have to respond to you at all. However, loan companies are leary about lending right now and everything is slower. I would certainly be asking the bank rep or broker what was going on and ask them to give you a time frame. You should have received a "truth in lending" statement with in the first 10 days after the loan app was approved. If you have not received this then that may indicate that they have not received your paperwork or they may have denied your request.
Reply:30 days is usually the norm, but now with the mess the real estate in this country is in, who knows. don't do phone calls. get down there and speak to them in person. they can avoid you too easily by phone. when you are there, demand (nicely) an answer. get there now.
floral shops
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