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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:

A Teacher’s Student Loans Were Forgiven. Then FedLoan Wrecked His Credit.  The New York Times

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3 Borrowers Win Case on Eligibility for Public Service Loan Forgiveness  The New York Times

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Good economy helped Wisconsin banks grow loans and earnings in 2018  Milwaukee Journal Sentinel

Lending by Wisconsin banks rose almost 4 percent and industry earnings jumped nearly 7 percent in 2018, growth that reflected a good economy.


Celtic FC loans American defender Andrew Gutman to USL’s Charlotte  Orlando Sentinel

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“Extend and Pretend”: Are Deutsche Bank and Trump Playing Chicken Over a $340 Million Loan?  Vanity Fair

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Three Questions: Prof. Paul Goldsmith-Pinkham on Payday Loans and Consumer Protection  Yale Insights

On February 6, the director of the Consumer Financial Protection Bureau (CFPB), Kathy Kraninger, announced a major change to payday lending rules.


Car Loan Delinquencies Reach New High  NPR

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Loan policies designed to keep students in debt  Lowell Sun

Your editorial about student loans ("Employers can help with workers with student debt," Feb. 20) prompted me to respond. I am for any program that reduces or ...


Deutsche Bank Weighed Extending Trump Loans on Default Risk  Bloomberg

Top Deutsche Bank AG executives were so concerned after the 2016 U.S. election that the Trump Organization might default on about $340 million of loans ...


Bank Maskan Loans Up 42% in Number, 26% in Value  Financial Tribune

Bank Maskan, the state-run agent bank of the housing sector, granted a total of 421800 loans worth 157.14 trillion rials ($1.17 billion) during the 10 months ...


Regulating Payday Loans  The New York Times

A reader says a well-intentioned regulation could actually harm those of limited means for whom these loans are a last resort.


Delinquent car loans hit record highs  Axios

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Watchdog blasts Education Department for sloppy oversight of loan-servicing contractors  Washington Post

The Education Department's Federal Student Aid office has failed to keep watch over the contractors servicing its $1.4 trillion portfolio of student loans, a lapse ...


Federal government not forgiving student loans for Americans working in public service for a decade  WXYZ Detroit

(WXYZ) — The federal government promised to cancel the student loans of approximately 41,000 public employees and certain non-profit workers after ten ...


Silverman Reintroduces Bill to Ease Student Loan Debt | BlackPressUSA  Black Press USA

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Interest-free scholarship loans offered by college club  Massillon Independent

CANTON College Club of Canton is offering interest-free scholarship loans to qualified female Stark County high school seniors who will be attending college in ...


How High-Interest Loans to Desperate People Built a $90B Industry  Fortune

About 12 million Americans use these high interest loans every year, both online and through about 16000 storefront offices.


Expensive Loans to Desperate People Built This $90 Billion Industry  Bloomberg

During the partial government shutdown, Wilbur Ross couldn't understand why furloughed workers didn't just “get a loan.”


A GOP proposal could snatch your student loan payment right from your paycheck  CNBC

Lawmakers are proposing a massive overhaul to the student debt system, in which borrowers' monthly bills would be automatically deducted from their ...


Mandatory Wage Garnishment for Your Student Loans Could Become Law  The Root

A Republican-backed proposal currently in the Senate could make automatic wage garnishment for your student loan payments become the law.


Kushner Firms in Talks for Federal Loan to Finance $1.15 Billion Purchase  Slate

The real estate company owned by the family of President Donald Trump's son-in-law Jared Kushner is trying to get a little help from federally owned lenders for ...


How to Avoid Student Loan Repayment Scams | Student Loan Ranger  U.S. News & World Report

Borrowers should avoid student loan debt relief agencies that require upfront fees.


Lawmakers drum up support for payday loan reform bill in Mountain Brook  AL.com

Six years ago, Sherry Amos Prater entered her bank to withdraw $25. “I was told, 'Mrs. Amos, you don't have cash,'” the teller told the Vestavia Hills resident.


Employer-paid student loan repayment help could be coming  CBS News

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Personal Loan vs. Home Equity Loan: Which Is Better?  U.S News & World Report Money

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Prominent Republican wants to take student-loan payments out of your paycheck  MarketWatch

Senator Lamar Alexander of Tennessee floated the proposal as part of a speech outlining reforms to the student-loan system.


Over 60, and Crushed by Student Loan Debt  The Wall Street Journal

Older Americans are struggling under the burden of student loans—their children's and their own.


Wilbur Ross says furloughed workers should take out a loan. His agency’s credit union is charging nearly 9%.  The Washington Post

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Dh361 million loans of 3310 Emiratis waived off  Khaleej Times

The Debt Settlement Fund announced on Saturday that Dh361 million loan of 3,310 UAE nationals has been waived off in cooperation with 13 banks.


Car loan delinquencies: Record 7 million Americans behind on car loan payments  CBS News

Chicago — A new report on household debt finds a record 7 million Americans are at least 90 days behind on their car loan payments. Alana Frierson painfully ...


FSA audit: Oversight of U.S. student loans lacking  UPI.com

The U.S. Department of Education's student loans unit failed to oversee and hold accountable the companies it pays to manage the nation's student loan debt.


Consumer Protection Bureau Cripples New Rules for Payday Loans  The New York Times

Payday lenders won a major victory on Wednesday after the Consumer Financial Protection Bureau moved to gut tougher restrictions that were to take effect ...


A loan program was set up to boost energy efficiency. Instead, it's being used to build 'granny flats'  Los Angeles Times

Consumer groups say recent cases show that home improvement contractors wield too much power to sign up homeowners for PACE energy efficiency loans, ...


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It wouldn't have been possible without a no-interest loan from HFLA of Northeast Ohio. Younger already owed a lot of money and other lenders likely wouldn't ...


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The beginning of tax season can be a busy and anxious time for taxpayers - especially those who are waiting for their tax refunds. This is a particularly stressful ...


Study finds student loans may help increase academic achievement in community college  Inside Higher Ed

A new study challenges the notion that student loan debt is bad for people attending community colleges and finds that borrowing may actually increase their ...


City Council Approves Loan Program for Minority Businesses in Charlottesville  NBC 29 News

Small businesses in Charlottesville can qualify for help from the city thanks to a business equity loan fund that was approved by City Council.


Howard Marks: Leverage Loans Are A Great Idea  ValueWalk

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PM can waive Rs 3.5 lakh crore loans of bizmen, but not farm loans: Rahul Gandhi  Times of India

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Top Credit Union Student Loan Refinance Lenders  NerdWallet

A credit union student loan refinance lender may be right for you if it offers the lowest interest rate you qualify for or a unique feature you value.


Report takes aim at Texas auto loans, which top the nation  Houston Chronicle

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Here’s Why So Many Americans Feel Cheated By Their Student Loans  BuzzFeed News

A social and financial divide is forming — between those who have student debt, and those who do not — that will have ramifications for decades to come.


YSM lowers expected loans for qualified students  Yale Daily News

Starting next academic year, Yale School of Medicine students receiving need-based scholarships will only be expected to borrow $15,000 in loans to cover ...


My mom co-signed for my student loans. Will it affect her credit if I don't make the payments?  East Idaho News

Dear Dave,. My mom is single, and she co-signed on my student loans for college. Would it affect her credit if I couldn't or didn't make the payments? Terri.


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Quicken Loans Inc. has a new logo for its Rocket Mortgage product, and there are no rocket ships involved. The Detroit-based mortgage lender, which debuted ...


Struggling with student loans? Virginia has a new way to help  WTOP

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India Surpasses Italy for World's Worst Soured-Loan Ratio  Bloomberg

India holds the dubious distinction of having the worst non-performing loan ratio among the world's major economies, having surpassed Italy. The Reserve Bank ...


Club Loans Tommy McCabe to North Carolina FC  FC Cincinnati

CINCINNATI – FC Cincinnati have loaned midfielder Tommy McCabe to North Carolina FC. FC Cincinnati announced the signing of McCabe – along with four ...


How NVIDIA Combats the Student Loan Crisis  Fortune

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Student Loan Relief or Paid Vacation? These Workers Get a Choice  Bloomberg

Starting next year, U.S. employees at insurance company Unum Group will have a choice: The company will put money toward their student loans, if the worker ...


Heavy Student Loan Debt Forces Many Millennials To Delay Buying Homes  NPR

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Watchet marina revamp project to get £1.5m loan  BBC News

The £6m development of East Quay is expected to create 200 jobs.


Telangana government proposes to waive farm loans up to Rs 1 lakh  Economic Times

Telangana CM noted that his party, the Telangana Rashtra Samithi (TRS), had promised the loan waiver before the December 7, 2018 assembly elections.


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Using the standard mortgage calculation formula, we estimated how much mortgage borrows will pay their mortgage providers over time.


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Several tax deductions were eliminated as part of the Tax Cuts and Jobs Act, but fortunately for Americans with student loan debt, the student loan interest ...


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Interest from all new and existing British Columbia student loans was eliminated in Tuesday's budget — but interest is only a small part of students' debt load, ...


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Fraud, Somerset Lane: On Feb. 14, a man reported that someone had opened an account using his information and bought two phones worth more than $2000.


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High-yield corporate bonds and the related ETFs are again being embraced by investors this year.


Trump Sought a Loan During the 2016 Campaign. Deutsche Bank Said No.  The New York Times

Donald Trump turned to the German bank, one of the few lenders willing to do business with him, to borrow millions of dollars that would go to his golf resort in ...


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