Archive for February, 2007

Secured Loan Got Us A Home Of Our Own!

Wednesday, February 28th, 2007 – a UK based secured loans site.

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Debt Consolidation Loans Explained

Tuesday, February 27th, 2007,, and

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Signing The Loan Documents

Tuesday, February 27th, 2007, a
detailed and candid podcast series providing essential
backstage information for California homeowners.

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Debt Consolidation Loan Online: How To Find A Reputable Debt Consolidation Loan Online Lender

Tuesday, February 27th, 2007

the market for a debt consolidation loan online,
you will want to make absolutely certain that you are dealing
with a reputable and reliable (as well as experienced) debt
consolidation loan online lender. There are some tips and
pointers that you need to keep in mind when it comes to finding
a reliable and reputable debt consolidation loan online lender.

First, as you go about looking for a debt consolidation loan
online, you should not forget word of mouth. Even in this high
tech age, you need to reflect on the importance of word of mouth
and one on one communications. As you go about looking for a
debt consolidation loan online and a debt consolidation loan
online lender, visit with friends, family members and
colleagues about any experiences one or another of them may
have had when it comes to these types of services and service

Second, when looking for a reputable debt consolidation loan
online lender, there are some independently run, consumer
oriented websites in operation on the Net today that provide
reviews and evaluations of different providers of debt
consolidation loan online. In many instances, through these
useful and user friendly websites you are able to obtain a side
by side comparison of different debt consolidation loan online
lenders. Thanks to a side by side comparison of different debt
consolidation loan online lenders you will be able to pick out a
lender that can best meet your needs with debt consolidation
loan online options in a very short amount of time. Once
again, you also can rely on these ratings to a significant
degree because the information regarding these debt
consolidation loan online lenders is compiled by independent

Third, as you go about looking for a reliable and reputable
debt consolidation loan online lender, you will want to do
direct research about specific loan providers. For example,
you can spend time reviewing the debt consolidation loan online
lenders’ websites and find out specifically what they place at
these venues. Pay particular attention to the =ECfine print=EE at
the debt consolidation loan online lenders’ websites as the
same pertains to the costs assessed and associated with a debt
consolidation loan online.

By taking the time to closely follow the steps that have been
outlined for you in this informative article, you will be able
to identify a reliable, reputable and experienced debt
consolidation loan online lender that will be able to meet your
own financial and debt related needs and objectives.

About The Author: Thomas Erikson is co-founder of which provides debt
consolidation information and solutions. Find out how you can
quickly and easily get your finances under control with a debt
consolidation loan online.

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Car Loans: Strategies You Should Not Overlook

Monday, February 26th, 2007

t chemicals outgassing, there’s nothing like
that new car smell. It says you’re smart, responsible and
successful. In fact, the only thing better than the new car
smell is the pride you’ll feel as you take your new wheels for
a spin.

It’s certainly no secret that driving a stylish new car is fun
and exciting. New cars carry warranties that protect you from
unnecessary maintenance and repair bills for extended periods
of time, so they can be great investments. The secret is in
buying a brand new car, truck, van or SUV without deflating
your budget. For many smart shoppers, the right car loans turn
their new car dreams into realities.

Direct Auto Financing

One of the biggest money-saving actions you can take in
purchasing your new vehicle is with financing through an
independent car lender. This borrowing plan is referred to as
“direct financing” or “direct loans.” Direct financing is any
kind of financing action, set up by you, without the help of the
car dealer. There are considerable savings and minimal risks
involved in direct loans, making them the best option for many
new car buyers. When you walk into a dealership with a
guarantee new car loan in hand, you’ve got automatic bargaining
power. You’re able to have an upper hand in negotiations, and
you can stand equally to your dealer. In the end, this
increase flexibility keeps you from falling into the common
trap of dealership price fixing and additional financing costs.

Shopping Strategies

The first strategy in shopping for new car loans is securing
independent financing. With that in mind, allow yourself
further flexibility by applying for a loan limit of at least a
little over what you expect to pay. This gives you extra room
for flexibility at closing time, without having to worry about
the loan limit. Of course, you’re under no obligation to use
your entire loan limit. Arranging for automatic payments is
another way to lower your rates. By having your car loan
payments deducted electronically from your bank account, you
can save more money over the duration of your loan.

Price Haggling

Car dealers are seasoned professionals who are trained to get
every dime out of you. For that reason, it’s no wonder that
so many people part with a lot of money after “negotiating”
with a car dealer. Unless you’re an experienced negotiator, or
have an armor of thick skin, going through a new car purchase
can be an agonizing experience. The best protection from slick
sales types is to walk in to the dealership with your financing
already in place. When you’re in this position, you’ll find
car dealers haggling with each other to get your business.
Talk to local car dealers, and make it clear to them that
you’ve been shopping around. Let them understand that you
won’t settle for anything less than the very best deal. This
leaves the dealers working to get your business, while all you
need to do is choose the best one.

Owning a new car can make you feel like a million bucks,
without feeling like you’ve just spent a million bucks. Shop
around for car loans and make smart financing decisions, and
you’ll soon be cruising along and taking in that new car smell.

About The Author: George Davis writes for several web sites,
including,, and

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How To Get Refused For A Loan

Sunday, February 25th, 2007

getting easier and easier to get hold of a loans
at a good price, there are still ways that you can make it hard
for yourself to get a loan. If you make these mistakes then you
will find yourself getting refused for a loan and making it hard
to apply for another and be accepted. If you want to get refused
for a loan, then these mistakes will make sure that is what

Not sorting out your credit

If you are looking for an unsecured loan, the easiest way to
get refused is to not get your credit history in order before
applying. Unsecured loan decisions are based upon your credit
history, so if it is inaccurate or in a bad way you will be
refused. Make sure that before you apply for a loan, you check
your credit report to make sure everything is accurate and that
all previous problems are sorted out. If you have bad credit,
then try to get your finances in better shape before applying
for a loan.

Applying for lots of loans

Another easy way to get yourself refused for a loan is to apply
for lots of loans at once. If various companies are doing credit
checks at the same time, they will become suspicious and believe
you are trying to get hold of a lot of money at once. They might
think you are a default risk and will refuse you. When applying
for loans apply for only one at a time. If you are refused,
then wait a while before applying for another. Lots of
applications and refusals will harm your credit rating and make
it even harder to get a loan.

Not shopping around

Although getting loans is becoming easier, if you don’t shop
around for the right lender then you can get refused. If you
have poor credit then it is no use applying for a loan with a
high-end lender. Look for lenders who specialise in helping
people in your particular situation. This will help you to get
accepted for the loan you want and at a better price.

Lying on your application

If you want to get refused for a loan and also possibly get
into trouble with the law, then lying on your loan application
is one way to do this. If you lie about your earnings or
financial status to get a loan, you are technically committing
a type of fraud, and could get in serious trouble. Also, if the
loan company find out then you will get refused or have your
loan taken away, and it will appear on your credit record.
Although you might not get the amount you really want, always
be truthful on your loan applications.

Learn when to stop

If you avoid these problems and are still getting refused for a
loan, then maybe you should think about other financing methods.
Although you might feel you need a loan, if you keep getting
refused then the chances are you are better off without one.
However, if you want more advice on how to be successful with
your application, consult and independent financial advisory.
If you avoid these mistakes and are not in serious financial
difficulty, then getting a loan will be much easier.

About The Author: Peter Kenny is a writer for The Thrifty Scot,
please visit us at and

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What Future Undergrads Ought To Know About Student Loans And Online Resources

Sunday, February 25th, 2007

udent loan process can be a challenge,
starting from ground zero. Since the federal government got in
the student loan business in 1965, something like 65 million
Americans have taken advantage of it. There have been several
bills run through Congress over the years, creating a variety
of loan programs – for students, vets, returning students, and
so forth. The primary government online resource for
information on government student aid is

For basic information on what is available through federal
programs, perhaps the most basic resource is the Department of
Education’s site entitled “Funding Education Beyond High
School: The Guide to Federal Student Aid”. It is a
comprehensive resource on grants, loans, and work-study
programs which are the three major forms of aid available
through the Department’s Federal Student Aid office. This
material tells you about the programs and how to apply for

In order to qualify for any sort of federal assistance and for
most privately underwritten financial support, including that
which comes through the school’s financial aid office, you’re
going to need a FAFSA score. This ranking is produced through
the process of filling out a FAFSA application and submitting
it to the U.S. Department of Education, which returns a
valuation that shows how much loan money you will be eligible
for and how much your parents are expected to provide in
support. So the best place to begin your application process is
through the FAFSA site: You can make
an electronic application from their website.

Apart from the standard federal student loans, there are
several campus-based federally financed opportunities for
students. Extensive information on work-study and other federal
money available through the campus financial aid office can be
found at It’s
going to ask you to go through a registration process but it’s
probably worth your time. Putting together education money is
often a process of assembling a number of working parts. For
many students, that includes camping outside the campus
financial aid office and getting to know the counselors inside.
It pays to know what they have to offer. Don’t be shy: they
expect to see you coming.

There are many online sites that offer a combination of
information and loan applications. Many of these sites address
issues such as loan consolidation and other debt
considerations. One site that is highly informative about the
loan process and the programs available and that includes a
list of potential private lenders is This is a
non-profit site that can break down some of the detailed
components in the loan process; it helps to be able to sort
through the details on a non-governmental site.

To their credit, the Federal Government has recognized that the
cost of education and the subsequent debt has overwhelmed
millions of graduates. The Department of Education has a loan
consolidation program with a variety of payment plans, a lot of
flexibility, and the ability to avoid using a commercial lender.
They have a website devoted to their services at The Department develops a
weighted interest rate based on any commercial loans you have
outstanding, caps it at 8.25 percent and offers four different
payment plans.

There are also a multitude of commercial lenders that offer
student consolidation loans, but be careful of artificially low
interest rates that can accelerate through an adjustable rate
program much like a mortgage. Before you venture into the
commercial refinancing arena, see what the Department of
Education has to offer.

About The Author: Madison Lockwood is a customer relations
associate for She helps clients
understand how a website may benefit them both personally and
professionally. Apollo Hosting provides website hosting,
ecommerce hosting, & VPS hosting to a wide range of customers.

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Refinancing Your House Mortgage – 3 Reasons To Refinance While Rates Are Low

Sunday, February 25th, 2007

e interest rates begin to rise, homeowners should
consider the advantages of refinancing now. Although we’re
witnessing record low rates, these rates will not last forever.
Unfortunately, many homeowners will delay refinancing and miss
out on the savings. There are many reasons to refinance. Here
are the top three reasons to refinance while rates are low.

Reduce Your Monthly Mortgage Payment

Interest rates greatly effect mortgage payments. Individuals
with poor credit can get approved for home loans. However, the
lender will charge higher fees or interest. If you receive a
high interest rate, you may pay a couple of hundred dollars
more than a good credit applicant who applied for the same
mortgage amount.

If you purchased your existing home with poor credit,
refinancing for a lower rate may decrease your monthly
payments, especially if your credit has improved. Obtaining a
home loan is a great way to boost your credit rating. In fact,
many homeowners notice an increase in their credit score after
establishing a good payment history with their mortgage lender.
Thus, if you received a bad credit mortgage, make an effort to
better your credit, and then refinance for a low rate.

Get a Fixed Rate Mortgage Loan

Furthermore, many homeowners choose to refinance their existing
mortgage to take advantage of a low fixed rate. When interest
rates were higher, many home buyers opted for adjustable rate
mortgages because they carried lower rates. Although homeowners
with an adjustable rate mortgage also benefit from decreases in
interest rates, these low rates are not promised.

Every so often, mortgage rates rise and fall. If rates begin to
climb, so do the rates for an adjustable mortgage. Hence,
mortgage payments will increase. To avoid increased payments,
refinance and secure a low fixed rate that will remain the same
throughout the duration of the loan.

Take Advantage of Cash-Out Refinancing

Cash-out refinancing is a very attractive feature to
refinancing your current home loan. With this option, you can
refinance for a better rate, and borrow from your home’s
equity. At closing, you will be given a lump sum of cash. Funds
may be used to consolidate debts, remodel your home, take a nice
vacation, or pay for a child’s education expense.

About The Author: Carrie Reeder offers advice about Companies

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Finding The Best Nebraska Mortgage Refinance Lender After Bankruptcy

Sunday, February 25th, 2007

r interest rate, reasonable terms, and good
customer service on your Nebraska mortgage refinance after
bankruptcy, you are going to need to find a quality lender who
can offer you these three things. Here are some tips to make
sure you find the best mortgage refinance lender after

Use an Online Lender

With average mortgage refinance interest rates hovering
somewhere around 5.60 in Nebraska, many borrowers have been
turning to online lenders to get the best deal. When
refinancing a Nebraska mortgage after bankruptcy, an online
lender may prove to be your best option. Such lenders are able
to take you through the mortgage refinancing process step by
step and can often get you better deals on a post-bankruptcy
mortgage refinance than a traditional lender could ever offer.

Use an Online Broker

Like online lenders, online brokers have seen a definite surge
in business. This may be because a broker can offer one stop
shopping for anyone interested in a Nebraska mortgage
refinance. Brokers work with dozens of different lenders and
can provide multiple quotes from only one application. If
you’re looking for a good lender to handle your Nebraska
mortgage refinance after bankruptcy, an online mortgage broker
can provide you with several suitable options.

Watch Your Back

Predatory lending has become a serious problem across the
nation. While most states have enacted one or more
anti-predatory lending laws to protect borrowers who have less
than perfect credit, Nebraska does not currently have any laws
in place. When searching for a good lender to handle your
Nebraska mortgage refinance after bankruptcy, be a wary shopper
and watch your back. If you have doubts about the lender you are
working with, ask questions and speak to other lenders to make
sure you aren’t being taken advantage of.

About The Author: For a list of Bad Credit Mortgage Refinance
Lenders Servicing Nebraska, visit

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Same Day Loans – How To Get Yours

Sunday, February 25th, 2007

n many of us know what it means to have a
sudden need for cash. Things were lined up in such a way that
an unexpected bill came all of a sudden, or there was an
emergency of some kind that demanded you to have cash on the
spot. With a same day loan, you can have access to the money
you need within 24 hours, and sometimes in much less time than
that. Here is how you can get the funds you need in a short

You have probably seen the ads for same day loans, or payday
loans, or even no fax loans – they are all the same thing. The
one exception is that some payday loans will require a fax, and
others will not. The idea is that you can have money made
quickly available to you – even on the same day (some times).

The application for a same day loan is easy and does not
require you to even go anywhere. All you need to do is to go
online with your computer and the funds can soon be on the way.
You will have to fill out some basic information as to your
income and employment, and how much you want to borrow. If it
is a no fax loan, then you will simply give them contact names
at your place of work, a social security number and a few other

You will also want to give them your banking information, too,
so that they know where to send the money. After your
information has been sent, and the information verified, you
could have the money you want very quickly – usually within 24
hours. Another good thing is that you can have the money put
right where you need it – in your bank account. You will not
need to wait a couple of days for it to transfer, it will just
be there – if you are approved.

Generally the amount of money that you can borrow will vary.
Typical loans, however, are either $500 or $1,000. You will be
required to give the company some way to be paid back, too. If
you go and apply in person, then you may be asked to postdate a
check to the date that the repayment is expected. Otherwise, you
will be asked to complete a form that allows the money to be
withdrawn from your account electronically on the date it is

There is one little setback on the convenience of getting this
money so quickly. The interest rates are considerably high for
a normal two-week period. On an average, you will pay around
$25 to $30 for every $100 you borrow. If it is not paid on
time, or if you choose to roll it over for one more two-week
period, the interest is doubled. Now you are paying $60 for
every hundred dollars you borrowed.

Because of the high interest rates, it certainly is not
something that you want to use regularly. If you are ever in a
pinch for money, though, its convenience cannot be beat. Before
you fill out any online application and get your same day loans,
be sure to look around and compare prices, and terms – that way
there won’t be any surprises.

About The Author: Joe Kenny writes for the UK personal finance
sites and also

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