Loan Articles
Mortgages
Buying your own house is usually one of the biggest investments you will ever make. Finding the right mortgage to meet your financing needs is a very important task. However, nowadays you have many choices when you apply for a mortgage. The Inter...
Payday Loans
What can you do if you quickly need money and you do not have anyone to borrow from and you do not have any emergency savings? You can apply for a payday loan.
You may not have enough money to pay the monthly bills, or your car breaks and you do ...
Personal Loans
There are two major types of personal loans - unsecured and secured personal loans. The most popular personal loans are those that are the short-term unsecured personal loans. These personal loans are relatively easy to obtain.
The short-term ...
Credit Cards
Credit cards, we all have at least one of those little plastic cards. Credit cards can be with low interest rates and they can be with high interest rates. You can buy services and/or products online or over the phone with a credit card. You can b...
Auto Loans
If you are planning to buy a car, motorcycle or truck you can apply for a auto loan. There are many lenders who will offer you an auto loan. Using Internet you can compare auto loan rates and pre-qualify for car loan. Your new car is going to cost...
Small Business Loans
You finally have decided to start your own small business. You have the business skills, ideas, and the dedication for your business to be a success. All you need now is a funding for your ideas to become a reality. The US government wants to stim...
Student Loans
Student loans are typically extended to persons who pursue postgraduate or postsecondary degrees as to finance their studies. Students admitted to undergraduate programs can also apply for financing. They can either apply for government loans or ap...
Home Loans
Do you need a house renovation? Do you need to consolidate your credit card debt? Are your children going to college soon? If you answer with yes to any of these questions, you may w...
Bad Credit Loans
Bad credit loans are intended for borrowers with poor credit rating who do not qualify for traditional types of financing. These loans are used to pay off credit card debt or loans, purchase a real estate, obtain a mortgage, or buy a second home. ...
Consolidate Loans
Sometimes in life debts get out of hand. We do not mean for it to happen and yet it does. Our debts add up and it becomes more and more difficult to make payments each month. We may even start to fall behind on our payments. A debt consolidation loan c...
Credit Reports
Imagine a document that can affect whether or not you will get a mortgage for a new home, a loan for a new car or will impact how high of an interest rate you will have to pay for a loan. There is such a document called your credit report.
Yo...
Credit Card Balance Transfer
The balance transfer method is a technique used to save you money on credit card payments. Basically, one credit card will be paying off the balance of your other cards. The reason for the credit card transfer balance from one or more credit cards ...
Home Equity
You can use the equity in your home to access money and to obtain lines of credit. The equity in your home can also provide a down payment on the purchase of a new home. One of the most popular ways that people are making use of the equity in their homes ...
First Time Home Buyers Advice
Buying a home is very exciting. However, it can also be a stressful time and seem overwhelming to the first time buyer. Before making the decision to buy a home, you should make sure it is the right time. Are you financially ready for the respon...
Credit Card Consumer Rights
As a credit card holder you have several rights of which you must be aware. Some of these rights are prompt resolution of any disputes and errors, removal of unauthorized charges and prompt shipment of items paid for using credit card, credit for ...
Mortgage Types
There are several types of mortgages available to homebuyers. Some of these mortgage types include: open and closed mortgages, variable rate mortgages and fixed mortgages. A person can take out a conventional or a high ratio mortgage. Conventi...
Car Loan Deals
Finding a bargain deal on an auto loan is not always easy. Car dealers usually offer financing with high interest rates.
You can get an excellent car loan deal if you go and search online for available auto deals. There is no need to go throu...
How to Apply for Federal Student Loan
If you have just been accepted into college, the first thing you will need to do is obtain financing, provided you are not on a “full ride” sports scholarship, or do not have an adequate college fund in place. If you are from a lower income bracket and ca...
How to Get a Student Loan with No Credit History
Going to college is perhaps the single most important thing a young adult can do in order to secure his/her future. Unfortunately, many young students have no way of putting themselves through college, and not all parents have set aside college funds. In ...
How to Get Student Financial Aid
Going to college can be very expensive. Even for students who have been granted scholarships based on sports performance or academic prowess, there will still be a lot of extra costs involved with getting an education. With that being said, financial trou...
How to Consolidate Student Loans
The high payments associated student loans can be quite overwhelming. This is especially true if a person is paying off more than one loan at a time. For this reason, many people merging all of the loans into one payment by consolidating them. Esse...
The Best Way to Pay Off Student Loans
College graduates who have received student loans will typically need to begin making payments on their loans within approximately six months from the time of graduation. In some cases, so much time has passed by the time this occurs that students ...
What Are Short Term Loans
Short term loans are essentially loans that are offered for a specific amount of time, and typically for shorter periods than a standard loan. There are many financial institutions, as well as colleges that offer short term loans. Many times, the i...
How to Apply for Government Loan
There are a number of government personal loans available for everything from paying for a college education, to obtaining financing to buy a home. There are even some government loans which are designed to help a small business owner fund the vent...
How to Get a Bank Loan
There are typically two forms of bank loans; secured and unsecured. Usually, an unsecured bank loan has a higher interest rate attached to it, and does not require collateral. Whereas, a secured bank loan will generally have a much lower interest r...
How to Find Cheap Home Loans
Taking out loans can be expensive in the long run. Often, the interest a person winds up paying by the time they have paid off a loan can be about two to three times the actual amount borrowed. This depends on what rate of interest he/she was able ...
How to Get a Personal Bank Loan
There are a number of reasons an individual may choose to apply for a personal bank loan. Many times people find themselves in situations which require financial assistance. Sometimes old medical bills or over due credit card bills may prompt someo...
How to Get A Car Loan With Bad Credit
It is not impossible to get an auto loan with poor or bad credit; however, you may not get a low interest car loan if your credit score is too low. With that being said, there are many bad credit loan lenders who specialize in financing cars for pe...
How to Get an Auto Loan
The first step in purchasing a car is typically applying for an auto loan. There are a number of financing options available to someone who is looking for a loan to buy a car. The options vary depending on credit history, credit score, and the over...
How to Deduct Home Equity Loan Interest
Each year when tax season rolls around, homeowners tend to go into a frenzy trying to decipher all the new tax laws and which of those new laws apply to them. It is possible that you may want to deduct home equity loan interest when doing taxes, bu...
How to Get a Loan
No matter what the reason a person is looking for a loan, there are many ways in which he/she may be able to secure some sort of financing for whatever it is they are planning. There are many different varieties of loans, from payday loans to home ...
How to Find Home Loan Information
Buying a home, most of the time, requires some sort of financing. It is rare that someone with today’s economy can afford to run right out and buy a home with all cash. With that said the first step in buying the home of your choice is to figure out what ...
How to Apply for Home Loan
Once you have found the house of your dreams you will have to take certain steps in order to purchase it. The first thing you will need to do is make an offer and try and come to some sort of agreement on the price. If your offer is accepted and negotiati...
USA Loans - Ways to Get US Loan
Loans are extremely popular in the USA. Just about everyone who drives a new car or owns a home has a loan of some kind. The loan business is a multi billion dollar industry and there are literally thousands on financial institutions just waiting f...
How to Apply for Commercial Secured Loans
The most important aspect of any business is the capital it brings in, as well as the capital it needs in order to operate smoothly. Unfortunately, not all businesses thrive right from the start. Many times situations arise in which an extra amount of mon...
How to Find Secured Loan Companies
There are many different types of loans for people who need extra money in order to carry out their goals. Whether it is a student who is trying to secure fundin...
How to Apply for Bad Credit Secured Loans
Almost everyone, at some point in time has a need for a little extra money in the form of a loan. Whether the money is needed to pay off debts, buy a home, purchase a car, or even to start a business, it can be hard to obtain a loan with a bad credit scor...
How to Get College Loan Refinancing
When a person gets into college, the first thing that he/she will need to consider is how they are going to pay for it. Typically a student loan will be taken out to help pay for the cost of the college education and everything associated with it, includi...
How to Apply for Chase Bank Credit Card
JP Morgan & Chase is one of the largest creditors in the US, with Chase Bank branches all over the country. It isn’t surprising that so many people bank with them. In addition, Chase Credit Cards are quite popular. The first step in applying...
Bad Credit - No Problem with Secured Credit Cards
When a person does not have a credit score that is sufficient in order for them to gain approval for an unsecured credit card, he/she may opt to take out a secured credit card. While these cards look and operate like a standard credit card, the difference...
The Benefits of Having a Visa Credit Card
Credit cards have become an almost necessary commodity in today’s world. Without a good line of credit it is almost impossible to enjoy the many luxuries in life that might normally be out of reach. Today it is even hard to get satellite TV without a cred...
Applying for Various MasterCards
Carrying any credit card is a big responsibility but it comes with many perks, and as long as you handle your budget well and make your monthly minimum payments on time you will be one of the millions of people who have the privilege of holding a credit c...
American Express Blue Card - Which is Best For You
For years we have seen the same old green American Express cards that could be used as desired and then paid off in full at the end of the month. Today, things have changed quite a bit for American Express credit lines. There are now four distinct ...
Credit Card Fraud - Know How to Protect Yourself
Credit Card Fraud is a very common problem today. In fact, credit card fraud statistics show that it is one of the top reported crimes in the United States, followed by Identity Theft. Unfortunately, there are a number of ways in which a person may...
How to Protect Yourself from Identity Theft
Identity theft has been a thorn in the side of millions of people and has been sweeping the nation in recent years. The advent of the internet has brought on a whole new level of criminals, as well as brand new methods of stealing the identities of...
How to Avoid Having to File for Bankruptcy
Bankruptcy occurs when a business or individual accumulates such a large amount of debt that there is no way for them to recover from it. In many cases bankruptcy can be avoided if action is swift and responsible measures are taken. Unfortunately, ...
What is the SEC and What Does It Do?
The SEC is the acronym for the Securities Exchange Commission. It was created in 1934 after the Great Depression of 1929, in order to help restore the public’s faith in the stock market. Many people lost everything they had when the stock ma...
Home Equity Line of Credit - A Good Alternative to a Home Equity Loan
Because the home is such a sacred investment, it is important to consider carefully before taking out a home equity loan on it. This is especially true if the home has been paid on for quite some time, or is owned free and clear. Many people make a...
Functions of The US Mint
In the early development of the US Constitution and the new government, it was determined that the Republic had a great need for a respected and organized money system. In April of 1792, The Coinage Act was passed by Congress. This allowed the constructio...
Choosing the Right IRA
An IRA (Individual Retirement Account) offers an individual a tax-free or tax deferred method of saving money toward his/her retirement. There are several types of IRAs and depending on the needs, goals, and financial situation of each person, the ...
What You Should Know About IRS Debt
Many people who have found themselves in debt for some reason or another do not understand the ramifications with incurring debt with the IRS. Unlike other creditors who must obtain a court order to obtain money which is owed to them, the IRS can g...
How the FDIC, SEC and OCC Protect the US Financial System
Within the past couple of years, as increasing numbers of banks have been failing, consumers are more concerned than at any time before in the history of this country, barring the Great Depression of the 1920’s and 30’s. Because so much time has elapsed s...
Saving on Taxes With a Roth IRA
While the purpose of having a Roth IRA in place is to save money for retirement, it is not at all uncommon for people to borrow funds from their retirement accounts. Regrettably, there can be very high tax penalties attached to making early withdra...
What is a Roth 401k
Much like other retirement plans, the Roth 401k is simply a type of plan put in place to help a person save money for his/her retirement. This plan was authorized under the IRC section 402A by the US Congress. This plan includes a very unique mix o...
401k Retirement Plan
Most major corporations and even some of the smaller companies offer their employees various retirement plans. Among the most common are the 401k and 403 b plans. Today there are even options to perform a 401k rollover into a Roth 401k for even mor...
The Benefits of Online Banking
Almost everyone has heard of online banking. Most banks even have brochures and signs posted about their great online banking services. Unfortunately, some people are still afraid to delve into the internet banking world for fear that their informa...
Do You Need Mortgage Insurance
There often appears to be a misunderstanding about mortgage insurance, especially with first time homebuyers as to exactly what mortgage insurance is and why they need it. The number one reason for this is because many consumers confuse mortgage in...
Choosing US Mortgage Lenders
When you are in the process of trying to buy a home, or any piece of residential or commercial property for that matter, one of the things that you are considering is how to choose a mortgage lender. Unfortunately, that is the wrong way to go about...
How to Find Foreclosure Homes at Great Prices
Many people looking to purchase a home try to find foreclosure homes because the prices can be quite reasonable. In fact, there are times when they are even listed below market value, or can be purchased at an auction below market value. Sometimes ...
Discount Brokerages
There is a wide variety of the types of services that are offered by stock brokerages. Some of them offer an abundance of extra services at an additional rate of commission, while others offer only the most generic services. According to the types ...
USA Credit Unions - Are They For You
Just about everyone has heard of credit unions but many of them have no idea what they are. Credit unions are often mentioned in the business and finance sectors of the local newspaper and usually feature highly in the lifestyle and money sections....
What Effect Does the Falling US Dollar Have on You
Because the world trading currency is measured by the US Dollar, many services and goods are priced based on the US Dollar. What this means is that any weakened state of the US dollar which lasts for any length of time will result in an increase in...
Types of Mutual Funds
Each Mutual fund carries its own risk factors as well as rewards. It is vital to know the difference between each mutual fund definition and research carefully before opening one. There are over 10,000 in North America alone so explaining each in d...
Financing with Bad Credit
There are loans that have been designed especially for those who do not posses an adequate credit score to obtain a loan otherwise. Typically these loans are called secured loans and require a certain amount of collateral to be held in lieu of payment. Un...
Types of Loans
There are many reasons a person may find themselves having financial difficulties and turning to loans in order to solve their problems, at least temporarily. The good news is that people who are having a bit of money trouble but have managed to maintain ...
Day Trading Tips
Day trading is the term used to describe the act of buying and selling things like currencies, stocks, stock options and other commodities in the period of one day. This usually means that all positions in the trade will be closed by the time the b...
What is Refinancing
Refinancing is the term used to describe the action of taking a loan out in order to pay for a previous loan. For example, sometimes homeowners take out loans for refinancing mortgage payments in order to get a better interest rate. In addition, a ...
How to Do Debt Settlement Effectively
Debt settlement is also known as credit settlement, debt negotiation, and debt arbitration and aims at reducing the amount of one’s outstanding obligations. The creditor and debtor agree to reduce the balance, and the new balance is considered paym...
What are Secured Loans
Secured loans represent a type of loans for which the borrower has to pledge an asset such as a vehicle or home as collateral. In case of default, the property can be claimed by the lending institution as to pay off the loan. The collateral decreas...
What are Unsecured Loans
Unsecured loans are a type of debt that is obtained from a financial institution without being collateralized by a lien on the borrower’s assets, protecting the creditor against liquidation or bankruptcy. If the borrower defaults on his/ her financ...
What is Second Mortgage
The term second mortgage refers to a secured mortgage or loan which is borrowed against a property. In the field of real estate, properties can have multiple liens against them. Loans that are registered with city or county registries first are kno...
How to Compare Loans
In the not so distant past, you wanted to take out a loan and you did not have much choice. Most of the time, to obtain money, you had to rely on a really good credit score and the generosity of the servicing credit company official. However, all this has...
What are Guaranteed Loans
Guaranteed loans are borrowing instruments backed by government agencies, undertaking to pay off the loan if the borrower defaults. The main types of guaranteed loans are business start up loans and student loans. The latter are extended to student...
How to Get Cheap Loans
For many people, cheap loans are a way of life, and securing financing at a low interest rate has become fundamental to their financial survival. It can be like the difference between default and affordability. What is more important, cheap unsecur...
The Benefits of Using Loan Calculator
What can a loan calculator do for you personally? Many people are not aware of its features and options, thinking of the standard calculator. A loan calculator plays an important role when it comes to borrowing decisions, be it for a personal loan ...
How to Find "no credit loans"
No credit loans are those loans that do not require credit verification. It is not easy to obtain one as most reputable lenders require a proof a financial health. They want to make sure the borrower can afford to pay off the debt and not default o...
Where to Find Instant Decision Loans
Instant decision loans are short term loan instruments that are intended to secure emergency funding for borrowers. If there is a situation where fast cash is needed - to pay medical expenses, car repairs or college tuition, then one may resort to ...
How to Get Short Term Loans With No Credit Check
Often, if you have a bad credit history, your loan application will be turned down. You can’t get an emergency loan on these grounds. However, it is not impossible. When applying for short term loans no credit check is made in some cases. Many cred...
How to Find No Deposit Home Loan
All Americans want to have a home of their own. Few are those, however, who possess the funds to buy one upfront. The majority of people are forced to pay part of their home as a deposit and secure a mortgage loan to pay off the rest of it. This is not al...
What Are Jumbo Loan Rates
The jumbo loan, referred to as a non-conforming loan, is a commercial or residential mortgage loan that is set higher than the conforming limit of Fannie Mae and Freddie Mac. Jumbo loans can be more expensive than traditional loans in terms of fees...
What is an Estate Sale
In the United States, estate sale refers to an auction, yard or garage sale with the purpose of selling a substantial portion of items or materials owned by a recently deceased person or by someone who wants to dispose of the items on sale. A commo...
Getting Military Loans Fast
Thanks to the recent global economic crisis and the high level of unemployment in the country, many U.S. families are finding it hard to make ends meet. Millions of Americans are forced to borrow money just to put food on the table and support their child...
How to Find Student Loans Without Cosigner
In the modern world, good education is an indispensable prerequisite for a comfortable and financially secure life. Unfortunately, the majority of students cannot afford their tuition fees and must rely on borrowed money. Every year, student loans help mi...
How to Find Home Loans for First Time Buyers
If you are looking for home loans for first-time home buyers, you should know that they are intended for individuals who haven’t owned their personal residence for the past three or more years. Now, they want to purchase their own home. Such people...
Finding the Cheapest Loan Rates
If you want to find the cheapest loan rates, you have to think of how long you will be paying off the loan together with how much you will need to borrow. Another important factor to consider is your credit history. The majority of creditors that o...