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Free Money Saving Auto and Home Loan Tips


Free Auto Loan Tips

The following tips should help increase your chances of getting a car loan at a better rate.

Tip #1 - If you just started a job (recently graduated from college) then wait 6 months to apply for your car loan.

Tip #2 - If you have currently have bad credit then repair it before applying for an auto loan.

Tip #3 - If you've recently moved then wait until you have lived at your new address for 6 months before applying for a loan.

Tips #4 - If you have had a previous auto loan or home mortgage on your credit report then your chances for a new loan improve greatly.

Tip #5 - Try and pay off all of your credit card balances or at least lower them. You may want to consider finding the best debt consolidation loans to erase all of your credit card bills. The bottom line is don't keep a high debt load or credit card balances.

Tip #6 - You must have a stable job or occupation.

Tip #7 - Other examples of credit extended to you should appear on your credit report. Verify this with a quick and easy online credit report. Also avoid charge off's on your credit report.

Tip #8 - If you've filed bankruptcy before then you should wait 3-4 years before trying to get an auto loan.

Free Home Loan Tips

Tip #1 - Make Bi-Monthly Payments: Instead of paying your mortgage with one monthly payment switch to paying half of your loan payment every 2 weeks. The savings comes from the 26 half payments you make which add up to 13 monthly payments versus the regular 12 payments you would normally make in a year. The end result is you save a large sum of money on the interest owed and you'll own your home a lot sooner!

Tip #2 - Choose a 15 year mortgage instead of a 30 year mortgage: You'll end up with a higher monthly payment but in the long run you also save tens of thousands of dollars in interest charges, especially if you shop for the best home loans you can afford.

Tip #3 - Mortgage Refinancing: Currently this is the most popular trend. You refinance your mortgage if you can get a rate that is at least one percentage point lower than your existing mortgage rate and plan to keep the new mortgage for several years or more.

Tip #4 - Buy down the rate: The seller or builder, or through innovative pricing, can help you buy down your mortgage rate for one, two, or three years.

Tip #5 - Consider an adjustable-rate mortgage (ARM): If you think you will be in your house for less then 5 years then perhaps you should consider an ARM. An adjustable-rate mortgage (ARM) starts with a considerably lower interest rate, but then adjusts every year. This type of loan moves a little bit of the risk away from the lender, and the lender rewards you with a lower rate. Usually these mortgages are capped to rise not more than two percent in any year, and not more than five or six percent for the life of the loan for your protection.

Timothy Gorman is a successful webmaster and publisher of Military-Loans-Online.com - Which provides free money saving loan quotes on all of your loan needs to include home equity loan information that you can research in your pajamas on his website.

Other websites operated by Tim

Cellular-Phone-Solutions.com - Free information and resources regarding cell phones and cell phone plans.

Best-Free-Insurance-Quotes.com which provides free insurance information and offers discount auto, life and home insurance.


MORE RESOURCES:
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Forbes

Why You Should Rarely Pay Extra Toward Your Student Loans
Forbes
If you want to get out of student loan debt quickly, then paying extra towards your student loans might seem like a no-brainer. Pay more, watch the balance go down, avoid extra interest, and see the loans disappear quickly. However, for many borrowers, ...
Why Public Service Loan Forgiveness Is So UnforgivingNPR
The Public Student Loan Forgiveness Rescue Hasn't Gone Well So FarNew York Times
The Student Loan WhistleblowerKUOW News and Information
Consumer Financial Protection Bureau -IFAP - Electronic Announcements - US Department of Education -Government Accountability Office -Mass.gov
all 47 news articles »


The Real Deal

These were the top 10 outer borough loans in September
The Real Deal
Two of the top three outer borough loans recorded in September were for Bronx projects. The No. 1 loan was $115 million for Eastchester Heights, a complex spanning five city blocks in the northern part of the borough, while the number three loan was ...



VICE

Here's Fresh Evidence Student Loans Are a Massive, Generational Scam
VICE
Over the centuries, America has bestowed generous, state-sponsored privileges upon select classes of its citizens. Veterans and old people get free socialized healthcare—and, for the most part, they love it. Corporations (who count as people, look it ...



Forbes

Judge Orders Betsy DeVos To Begin Student Loan Forgiveness
Forbes
When the federal government forgives student loans - even if a college committed fraud - taxpayers effectively foot the bill. DeVos has proposed creating a new formula for student loan forgiveness, which would cancel a portion of a borrower's student ...
STUDENT LOANS Judge orders for-profit fraud protection be enforcedYoungstown Vindicator
Court allows Obama-era student loan rules to take effect, delivering defeat to DeVosWashington Post
Students defrauded by colleges can have student loans forgivenNBC4i.com
Inside Higher Ed -CNBC -Politico -CNNMoney
all 172 news articles »


Forbes

Here Are The 5 Biggest Student Loan Mistakes Of 2018
Forbes
No one likes to make a mistake. When it comes to your student loans, in particular, a mistake can cost you more money. According to Make Lemonade, there are more than 44 million borrowers who collectively owe $1.5 trillion in student loan debt. The ...



CNBC

Americans hold $1.5 trillion in student debt—here's how to know which repayment plan is best for you
CNBC
Paying off your student loans efficiently is most important than ever before. According to most recent figures from the Federal Reserve, 44.5 million Americans collectively hold $1.5 trillion in student debt. Even though college graduates have a huge ...



Bloomberg

The Student Loan Debt Crisis Is About to Get Worse
Bloomberg
Federal student loans are the only consumer debt segment with continuous cumulative growth since the Great Recession. As the costs of tuition and borrowing continue to rise, the result is a widening default crisis that even Fed Chairman Jerome Powell ...



Credit.com News (blog)

The District May Get An Agency To Make Student Loans Less ...
DCist.com
By WAMU's Meg Anderson. D.C. residents are some of the most burdened by student debt in the country. Now, a new bill seeks to lighten some of that load.
How New Government Policies Impact Student LoansCredit.com News (blog)
Student loan debt just hit $1.53T. Will the government forgive any of it?Fox Business

all 9 news articles »


Wall Street Journal

Banks Take Fight Against New Loan-Loss Rule to Washington
Wall Street Journal
Some banks are fighting a rearguard action to blunt the impact of a new accounting rule that revamps how they book losses on soured loans, and members of Congress are siding with the banks in their dispute with independent rule makers. The rule, which ...



Business Insider

The Bank of England is sounding the alarm on a quiet corner of the debt market now worth $1.4 trillion
Business Insider
The Bank of England on Wednesday raised the alarm about the growth of so-called leveraged loans in the UK, saying that the sector's rapid growth should be a cause for concern for policymakers and market participants going forward. In the bank's record ...
BoE warns over growth of risky corporate loansFinancial Times
Bank of England raises alarm over surge in high-risk lendingThe Guardian

all 11 news articles »

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