European Central Bank cuts key rate to 2% - MarketWatch

England and no interest loans, I think they just got a bit closer to that. But remember, it’s not going to happen in the United States! Tom Post from: Straight Talk About Mortgages and Real Estate [more...]

Date: 2009-01-15 13:30:24

Blog posts (107) | Videos (156)
 

Where The Credit Still Flows

Judging by the volume of ads I’m seeing for CashPoint during the Ravens-Dolphins game, ... , and offer you a loan with no credit check for some total amount of principle that’s less than half the car’s appraised value, and a high interest rate but not quite so high as a payday loan. Thus [more...]

Date: 2009-01-04 19:53:28

Start 2009 by recognizing the unrecognized

Rhonda has a post over at her Blog regarding the low interest rate environment that prevails today ... into the office to work on transactions so that loan officer and agents transactions closed on time ... .  Rates under 5% are hard to believe even for very seasoned agents, loan officers and those [more...]

Date: 2009-01-07 05:11:57

Top 5 ways to ease the strain on household finances

by katie George The onset of the global credit crunch across the UK last year, combined with the after effects of a series of interest rate rises, ... your debts. If you have a range of higher interest debt such as credit cards, store cards, and high ... consolidation loan, which can ease financial management as well as reduce your monthly outgoings. 2. [more...]

Date: 2008-12-15 21:12:10

My First House: Then and Now

“Cautious Buyer” asks this question on my post the other day when I referenced that my first house had a rate of 11% during the comments: ... costs. Base loan amount = $213,400 plus upfront mortgage insurance @ 1.75% = $217,134. Interest rate [more...]

Date: 2008-10-19 22:17:48

Consumer Credit Debt Consolidation – The Best Options

Amazon.de Widgets The practice of taking out a single loan in order to pay off all previously existing loans is referred to as consumer credit debt consolidation. The reasons that people choose this debt elimination option are to secure a lower interest rate, and also for the simple convenience of having to pay only one loan at the end of each payment period.Collateral is traditionally required in these types of loans due to the borrower’s tarnished credit history. [more...]

Date: 2009-09-22 21:49:03

What you need to know about repaying your student loans

For those of you whom graduated this past June, the grace period on your student loans is coming to an end ... loan (Perkins or Stafford), you are entitled to a discounted interest rate (usually .25 ... expenses.  Here's a run-down on the options: >> Level Payment Plan: The total amount of your loan [more...]

Date: 2008-12-30 23:08:33

Mortgage Rates for Friday Afternoon

Compared to the past few weeks, this week seemed a little more calm with regards to mortgage interests rates.  30 year fixed hung around 5.875 - 6 ... are offering free “float downs” once rates are locked due to this volatile market.  If your loan ... out of that market or repricing that segment in advance of new loan limits.  It’s an odd limbo time for [more...]

Date: 2008-11-14 22:14:30

Do you need a Payday Loan?

With soaring petrol prices and high interest rates,. ... . You can access and have a Same Day Payday Loan. They have few easy requirements by applying online [more...]

Date: 2008-07-22 14:45:16

california home loan mortgage second

Your kids are growing and your house is getting smaller. Thinking big? ... . You won’t regret it. You don’t need any equity, and this loan program will actually allow ... offered with a fixed interest rate for 15, 20 or 25 year repayment terms. If you have credit card [more...]

Date: 2009-01-14 05:07:26

Vital Pieces Of Mortgage Loan Modification Advice |…

Who doesn’t want to be relieved of paying a high interest rate in a monthly basis? The goal of home mortgage loan modification all about saving money. It is actually an option preferred by several homeowners. Continue reading here: Vital Pieces Of Mortgage Loan Modification Advice |… [more...]

Date: 2009-09-29 17:48:03

Frank’s Foreclosure Fiasco

As we all deal with unemployment, 401k’s turned into 201k’s, falling home prices, ... .  Interest rates on 30 year fixed loans have fallen [more...]

Date: 2009-01-16 04:40:56

Why stop with capping payday loans? Banks are just as bad.

Obviously, banks have better lobbyists than payday lenders, why else can someone who has no problem charging $37 ... than $300, yet, credit card balances can be several thousand dollars. Which is worse, missing a payment on a credit card and having your interest rate go from that low intro rate of 15.9% to 29 [more...]

Date: 2008-06-07 13:02:45

Amazing Breakthrough Lowest Mortgage Interest Rates Available Today?

Are You Eligible For The Lowest Mortgage Rates Advertised Today? ... to a cheaper loan or another lender? Securing the top mortgage rates is more than just looking [more...]

Date: 2009-01-13 14:07:01

Wells’ wholesale throws in the towel and stops offering nonconforming; Who is investing in MBS’s besides the Fed?

Does it matter who else is buying securities backed by mortgages? ... to earn additional interest rate spread. In its most recent quarterly Senior Loan Officer Opinion [more...]

Date: 2009-01-06 15:03:21

Eliminating Debt in 5 Easy Steps

by John Major It is unfortunate that in today’s economy, debt rules all. From the deepest spots of our wallets, we have charged ourselves to the point of no return. The commercials and ads promising a better car, newer home and more of this and that are all based on lines of credit and bank loans. Our children have been raised in this economy where paying for something means a monthly payment and a low or high interest rate; this is why debt elimination is needed. [more...]

Date: 2009-09-24 11:39:25

Calling Pat Quinn: Time for campaign reform?

Calling Pat Quinn: Time for campaign reform? January 15th, 2009 On 848 yesterday, Dan Newman of Maplight ... from the payday lending industry, the Pay Day Loan Reform Act of 2005 still allows interest rates as high as 400 [more...]

Date: 2009-01-15 22:54:42

Payday lender asks NH OK on high-interest loans

Associated Press - December 29, 2008 4:35 PM ET CONCORD, N.H. (AP) - A payday lender that says it can't make enough money under a new interest rate cap in New Hampshire now wants the banking... [more...]

Date: 2008-12-29 22:03:05

WHEN IS A 5.000 PERCENT MORTGAGE RATE REALLY 3.600 PERCENT?

Related posts:Get Extra Tax Deductions In 2008 — Pay Your Mortgage A Few Days Early For most Americans, mortgage interest paid on a home loan...Shopping for a low rate mortgage for your Danville real [more...]

Date: 2009-01-16 04:23:28

100% Federal VA loans - No Down Payment

100% Federal VA loans - No Down Payment Author: fchamberlin // Category: Down Payment Assistance, Eugene Oregon, Florence Orgon, Interest Rates, ... our families and our nation, as well as giving them a form of financing that will allow real estate ... duty. If you are unfamiliar with the program, there are several advantages to using VA’s Home Loan [more...]

Date: 2008-12-31 00:28:52

The First Ten Senate Bills of the Eleventy-First Congress

You may want to fix yourself a drink before I go through them. At the moment these are placeholders on Harry Reid’s wishlist ... existing loan contracts. The predictable result of this meddling is much higher interest rates, even [more...]

Date: 2009-01-07 03:45:14

What is a reverse mortgage?? Do I want it?

by Doc Schmyz If you have already heard the term reverse mortgage, it still sounds like a strange thing ... is so these questions can be answered. The name is somewhat misleading. A reverse mortgage is a loan ... citizen’s income. The amount depends on the homeowner’s age, equity of the house, interest rate [more...]

Date: 2009-01-10 00:52:47

Tories versus loan companies

Tory Housing Spokesman Grant Shapps recently published a report entitled Pay-Day for Loan Sharks which complains that companies lending small sums of ... has been warning about the massive rise in personal debt since well before Labour’s recession hit, but if the government thinks that the problem will be solved by lower official interest rates then [more...]

Date: 2009-01-09 12:08:03

Debt Managment and Debt Consolidation Loans For Bad Credit

Amazon.de Widgets What is debt consolidation but a way to financial freedom with positive actions to bring about resolutions of high interest rates, late fees, over the credit line fees, etc. and see ones balances decrease instead of increase with positive impact on the credit rating. The question is frequently asked by consumers who find that answers to accumulating debt are on the wire and something has to be done. [more...]

Date: 2009-09-22 05:45:34

Why You Should Not Refinance Just to Lower Your Payment

I keep talking with people who don't understand that a higher interest rate on a refinance can result in a lower payment even though the cost of ... (or a House) Based Upon Payment. There are all kinds of games lenders and loan officers can play ... loan five years ago for $300,000 at 6% on a thirty year fixed rate basis. Your payment [more...]

Date: 2008-10-18 14:47:33

Pre-Payment Penalties and Second Trust Deeds

This was originally from February 2007. The situation as to what loans are available has changed quite a bit since then, ... interest only with a rate of 5.375 fixed for 5 years with a payment of $1157.42. My second loan [more...]

Date: 2008-07-24 16:28:13

The Three Factors of Personal Loans

A personal loan (consumer loan, private loan) could be an option, if you are short on money. But before you are raising a loan, you better learn about concepts like security, fees and interest rates. [more...]

Date: 2009-09-29 12:00:46

Home Mortgage Loans Tips

by John Bear Planning to refinance your current mortgage? There are actually several options that are available for you. There are also a number of reasons to why homeowners would want to refinance their home mortgage, and that includes: obtaining a fixed interest rate, eliminating private mortgage insurance [more...]

Date: 2009-01-04 08:08:21

The “Helicopter Drop” Has Begun

The Fed cut interest rates to effectively 0% today, but that really isn’t important. The problem is that even though money is now ( ... about all the existing debt starting to go bad, so creating new loans doesn’t make sense. Thus comes the “helicopter ... debt and mortgage-backed securities to provide support to the mortgage and housing markets.” [more...]

Date: 2008-12-17 00:03:00

Compare Credit Cards After the Holiday

With the holidays almost upon us it is without question that many of us went over the top in terms of spending this year, ... loans that will cover all of our debt. But what many people will do in terms of making things a bit easier, freeing cash flow, and lowering interest rates is to consolidate all credit card debt onto [more...]

Date: 2008-12-18 20:00:57

The Facts on Poor Credit Loans

by katie George When a borrower has damaged credit it can make getting a loan difficult ... company is striving for because they are the best type of customer and will ultimately bring in more earnings for the company. Lenders generally charge interest rates that are far higher then average [more...]

Date: 2009-01-03 12:50:30

Things Everyone Should Know About School Loan Consolidation

If you find that you have a lot of small loans, you might want to try to do a loan consolidation to gain financial freedom. Several people have turned to loan consolidations to help relieve the burden of debt. Of course your debt is not going to go away, but you can make your monthly payments smaller and get a smaller interest rate. [more...]

Date: 2009-09-22 18:14:37

Things Everyone Should Know About School Loan Consolidation

If you find that you have a lot of small loans, you might want to try to do a loan consolidation to gain financial freedom. Several people have turned to loan consolidations to help relieve the burden of debt. Of course your debt is not going to go away, but you can make your monthly payments smaller and get a smaller interest rate. [more...]

Date: 2009-09-25 14:24:27

Clever metaphors from Keynes

I liked this part, even though I don't think AD is always the key factor: ... and in particular the reduction of the long-term rates of interest. The turn of the tide in great ... on the success of the conversion of the War Loan. This was deliberately engineered by means of the open [more...]

Date: 2009-01-14 12:44:19

US Interest Rates Zero to 0.25% and soon 4.5% US mortgages

Hale Bonddad Steward at Huffington Post has a lot of charts that show the bad financial situation ... to refinance a mortgage at 4.5%. The Fed and the Treasury appear ready to start buying up large quantities of securities -- government debt, mortgages, commercial loans, even stocks -- from banks [more...]

Date: 2008-12-16 20:29:22

TARP II: The Wrath of TALF

In normal times the Federal Reserve responds to crises by using teeny, gold-plated hydraulic levers to raise and lower interest rates ... which it will lend up to $200 billion to support the issuance of debt backed by consumer and small-business debt -- such as credit-card loans, student debt, auto loans and loans backed by the Small [more...]

Date: 2008-11-26 15:35:02

Philippine Congress Tables Proposed Credit Card Interest Rate Cap Law

While the public was distracted yesterday by the deliberations of the justice committee of the House of Representatives on the substance of the ... . They consider any balances left unpaid as unsecured loans, as opposed to other forms of consumer loans which [more...]

Date: 2008-11-26 14:12:51

Is a Home Equity Second Mortgage Right for You?

Second mortgage Home equity loans are an extremely popular source of credit. Lenders offer dozens of varieties of loans making it very easy to tap the equity in your home ... equity lines that come with fixed interest rates. Many lenders charge upfront fees and large amounts [more...]

Date: 2009-01-14 08:44:29

Home Prices - How Did They Get So High?

It seems that the real estate bubble has burst, but how did home prices get so high anyhow? ... From Low Interest Rates Take out an amortization book or find one of those payment calculators online ... paying this much in the early 80s. For example, a 30-year loan of $200,000 would cost you $2,292 [more...]

Date: 2009-01-14 06:37:08

Don’t Let Debt Become a Burden on Your Life

Many of us enjoy using credit cards. It sure does make life a lot simpler when buying something ... want to consider unsecured consolidation loans to help with the burden of credit card debt ... . The trouble with credit cards is that you have to pay off the debt quickly or interest rates [more...]

Date: 2008-12-23 20:16:38

3 Little Known Reasons To Stay Away From Debt Consolidation Loans

A debt consolidation loan is often said to be a good way to reduce your debt. The common theory is that you can lower your interest rate, particularly if you’re consolidating credit card debt, and wind up with a smaller payment. This theoretically lets you get the debt paid [more...]

Date: 2008-08-26 20:52:46

The Euro resumed its downward momentum against the majors yesterday in the build up to the ECB interest rate announcement and press conference

The Pound rebounded against the majors yesterday, rising to a high of 1 ... of loans to companies as European leaders acknowledged the failure of bank bailouts and spending plans ... a direct role in monetary policy through so called "quantitative easing", where authorities pump money [more...]

Date: 2009-01-15 09:32:50

Money Opportunity Review of Affiliate Business Marketing Program

How I made money with affiliate programs. As an internet publisher and avid blogger with a large audience interested in personal finance topics like ... payday  loans, I depend upon solid revenue from selling leads to keep things running. I have to always keep a sharp eye on my sites traffic and conversion rates. Making sure I was ... [more...]

Date: 2009-01-16 03:16:40

start with the indictments

the ramifications of the points made in this interview with structured finance guru janet tavakoli are profound ... and investment banks were not at all duped by rating agencies -- indeed, they knowingly exploited the conflicted interests and moral weakness of those agencies to sell trillions of loss-making loans [more...]

Date: 2009-01-09 14:03:00

Interest Rates are Incredibly Low! Nows the time to REFI!

We have been helping many families refinance thier homes, ... and be able to reduce from a 30 year loan to a 15 year loan for about the same payment!  Wouldn’ ... calculator to see what your payments would be, 15 years loans are in the 4.5-5% range and 30 year loans [more...]

Date: 2009-01-12 15:20:51

When is a 5.5 Percent Mortgage Rate Really a 3.96 Percent Rate?

It’s income tax season again ... , but it will suffice for a rough estimate.  Seek out one of many online mortgage calculators to assist ... of mortgage interest tax deductions is one reason why loan officers make reference to “after-tax mortgage [more...]

Date: 2009-01-14 19:45:51

Payday lender can't charge 365% loan rate in NH

Associated Press - January 6, 2009 3:15 PM ET CONCORD, N.H. (AP) - New Hampshire's banking commissioner has denied a payday lender's request to charge 365% interest on open-ended lines of... [more...]

Date: 2009-01-06 20:40:33

10 Tips on Saving Money

Tip 1 ” Although credit cards are a convenient way to pay for things they can lead to trouble if you cannot afford to keep up with the total repayments. Interest on credit cards is often offered at an extremely low rate for the first few months and increased dramatically therein after. Debt can quickly spiral out of control and become unmanageable for many people therefore it is sometimes necessary to consolidate all of the debt into one manageable package by engaging in one small low cost loan. [more...]

Date: 2009-09-19 11:18:31

New 2009 BAH Rates Released | Naval Base Kitsap | Bremerton | Bangor | PSNS | Naval Hospital Bremerton

What are you doing with your BAH? Are you giving it to the PPV/Military Housing? ... for your interest: Rent Vs Buy Calculator Buyer’s Resources Free Buyer Reports Monthly Payment Calculator Loan Programs SEARCH FOR WEST SOUND HOMES HERE [more...]

Date: 2009-01-01 23:29:29

How Millions of American Will Lose Their Homes

Posted By: admin| 2009.09.29 The Option ARM crisis has not hit yet. The Option ARM is not a Sub Prime loan!! People with good credit scores and low income have this too. Reckless home purchases and refinances with no long-term goal. **Please note – 61 was assumed to be interest-only payment for this video at 00:15 seconds…so, it should of been 8% fully indexed rate instead of 7%. Doesn’t change much, just that one slide…I caught it too late. [more...]

Date: 2009-09-29 11:11:22

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