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.
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Americans hold $1.5 trillion in student debt—here's how to know which repayment plan is best for you - CNBC
The Bank of England is sounding the alarm on a quiet corner of the debt market now worth $1.4 trillion - Business Insider
Bad Credit Loans
Obtaining bad credit loans can be a real challenge. If you have a bad credit history and you're seeking a loan to buy a home, a car, or a personal unsecured loan, you will usually have to work a bit harder convincing a lender to underwrite your loan.
Facts You Should Know About Types of Loans
When you set out to borrow, you often come across terms like unsecured loans, revolving loans, adjustable rate loans, etc. While these terms are more or less self-explanatory, it is still useful to be clear on their exact meanings and what they imply before you finalize a loan contract.
Lawsuit Loans - Caveat Emptor!
If you have been injured in an accident it is quite likely that you have been financially stressed as a result, and are in need of an advance against your insurance claim, lawsuit or other legal action. If you are looking for someone to lend you money based on your future settlement, BEWARE! There are reputable sources available but, unfortunately, there are many more disreputable ones as well.
Finding the UK Loan that You Need
Because it can sometimes be difficult to find a UK loan with a low interest rate and acceptable loan terms, many people get frustrated with the entire borrowing and lending process.Some individuals feel as though they cannot get a good UK loan because they've been turned down for a loan, and they don't figure that it's worth their time or effort to keep looking for loans after that first rejection.
How to Find a Loan or Mortgage with Bad Credit
If you have bad credit and you are trying to get a personal loan or mortgage, it may seem like a difficult situation. However, there is hope.
Secrets & Benefits of Secured Loans
Borrowing money has become more and more popular in the UK over recent years, and this is partly due to the fact that it has become far easier to borrow money. The rising popularity of consumer finance has also been aided by the wide variety of deals and the low interest rates available these days.
So Many Loans, So Little Time
If you find yourself in need of poor credit loans, there are many online companies just dying to help you out. But is it really help they're offering, or just a bigger hole to dig out of?Poor credit loans come in all shapes and sizes.
Auto Loan Buying Tips
Have you ever felt like you bought an auto and financed it and don't really know if you got the right price or financing arrangements after it was all over? Well, don't feel alone. This is a common experience for many people who make auto purchases.
Federal Housing Administration (FHA)
FHA loan programs:FHA AccessFHA Cal GoldFHA Rural GoldFHA Mutal Mtg. InsuranceFHA 203 (k)FHA 203 bFHA 251FHA Title I programFHA MIP RefundThe Federal housing administration was created by Congress in 1934 as part of the national housing act.
Payday Loan Qualifications - What to Expect
Payday loan qualifications are different from other types of short-term loans. By establishing that you have a monthly income and meet other minimum requirements, you can receive a loan even if you have poor credit.
Loans For Unemployed - when your personal economy slumps during difficult times
The latest IDS figures for unemployment the claimant count measure of unemployment rose by 8,100 by April 2005 to stand at 839,400 (a rate of 2.7 per cent).
Bad Credit Business Loans - to Exchange Bad Credit for Monetary Benefaction
You want to raise a business on your own or you want to expand it further. You have a plan and the vigour to make your mark in this field.
A Beginners Guide to Low Interest Debt Consolidation Loans
Looking for low interest debt consolidation loans can sometimes seem like looking for gold at the end of the rainbow, but loans with minimal interest can be had even by people with poor credit ratings. The most important things in trying to find low interest debt consolidation loans are to know how to use your collateral correctly and to know the best places to shop.
Law Practice Finance
How do you finance a growing practice? It is impossible to have a successful practice without good cases and managing good cases to a successful conclusion requires money for working capital. So, how does a growing practice secure the working capital it needs?Historically, growing practices in need of working capital have had limited financing alternatives.
Ways to Find a Cheap Loan
If you're in the process of trying to find a cheap loan, you might find it frustrating and wonder if you're ever going to find the loan that you want.If you haven't already, you might want to consider applying for a cheap loan online instead of using a traditional lender? online lenders can usually offer a competitive if not better loan, and may feature a variety of repayment options as well as a convenient application process and 24 hour inquiry and support availability.
6 Key Points to Evaluate Online Lenders
The internet is teeming with lenders who are vying for your business. It seems like everyone wants to loan you money.
Where to Look for Bad Credit Loans
When trying to locate bad credit loans, many people find themselves becoming frustrated by the apparent lack of bad credit loans available. In truth, however, there are actually a large number of bad credit loans that you can get from a variety of different lenders? the key is knowing where and how to look for them.
Why Choose a Bad Credit Personal Loan?
Listed below are some of the reasons for choosing a bad credit personal loan.A bad credit personal loan is a low cost loan secured on your home.
Secured Loans House the Most Positivistic Consequences of Loan Borrowing
One of the most enduring myths of loan industry is that secured loans are perhaps the most favorable loan type available. And guess what this myth is in fact one of the most enduring truths ever.
About Personal Loans
What are personal loans? They are unsecured loans that a borrower obtains for various purposes. This type of loan is often used to consolidate outstanding debt into one monthly payment, but it can be used for other things such as paying for a wedding, a vacation, or something similar.
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