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Now is a good time to submit good or bad credit home loan applications for multiple home loan lender quotes.


Before you apply for a mortgage loan, view national average home loan interest rates and use our mortgage calculator to calculate monthly payments and interest. Learn about a government guaranteed no deposit home loan with no down payment and how spouse credit can affect a joint mortgage loan. Consider all your home loan options before you decide and submit an online application. Browse more home loan resources.


Bad credit home loan - Apply for a home loan and stop paying rent.

No deposit home loan - Apply for a no deposit, no down payment home loan.

Home loan - Get a new home loan to purchase the American dream.

Home loan lenders - Get multiple home loan quotes with just one application.

Mortgage calculator - Calculate monthly payments and interest.

Mortgage loan - Get multiple mortgage loan quotes for new home purchases, equity, refinancing, 2nd mortgages and more.

Joint mortgage loan - How spouse credit affects joint mortgages, and the impact of divorce.

Free Mortgage Loan Tips

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Adjustable Rate Mortgage Loans

Home Mortgage Application

Bad Credit Mortgage Loans

Bad Credit High Risk Mortgage Loan

Home builders and mortgage lenders

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Home Buyers Guide

Mortgage Terminology

New Home Buying Tips





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Apply for a home loan for bad credit, no credit or any credit. Let multiple lenders compete to offer you a new home loan or home refinancing loan.



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Whether you are a first time home buyer, selling a home to buy a new home or want to refinance an existing mortgage to pay off bills, give us the opportunity to match you with a home loan lender resource in our network.


The online, home loan quote request is secure, safe and easy. We will review your information, including your state of residence, and will try to match you with a potential lender resource.


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Guaranteed loan for Veterans: Are you a US veteran? Get a VA guaranteed loan. VA guaranteed loans are made by private lenders, such as banks, savings & loans, or mortgage companies to eligible veterans for the purchase of a home which must be for their own personal occupancy. To get a loan, a veteran must apply to a lender. If the loan is approved, VA will guarantee a portion of it to the lender. This guaranty protects the lender against loss up to the amount guaranteed and allows a veteran to obtain favorable financing terms. There is no maximum VA loan but lenders will generally limit VA loans to $240,000. This is because lenders sell VA loans in the secondary market, which currently places a $240,000 limit on the loans. For loans up to this amount, it is usually possible for qualified veterans to obtain no down payment financing. A veteran's basic entitlement is $36,000 (or up to $60,000 for certain loans over $144,000). Lenders will generally loan up to 4 times a veteran's available entitlement without a down payment, provided the veteran is income and credit qualified and the property appraises for the asking price.


Why should you apply for a new home loan: Do you pay rent? Invest your rent money into the ownership of your own home. Not only can you have a place to call your own, being a home owner can also open more financial doors for you. As the equity in your home increases, you can refinance and use the money to pay off bills, send a child to college, go on vacation or use the money for any reason. Owning your own home is a wise investment. Also, you won't have to worry any longer about rent increases. A home can bring stability to a family.


Owning your own home is easier than you think. Before you start browsing real estate listings, apply for a new home loan quote to see how much money your credit rating will allow you to borrow. This can help you narrow down the choices.


Our home loan lenders are ready to offer free interest rate quotes. Apply for a new home loan or for a mortgage refinance loan, regardless of bad credit or no credit.


Get the latest home loan news, and read our home loan articles.

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability. Review - Premier Finance Group

New Home Purchase Loan: Buying a home is a very exciting, and new process. We are here to help you determine how much home you can afford, shop for the best mortgage rates and terms and choose from a variety of mortgage loan programs to make your home financing quick and easy. We offer FHA, VA, Conventional and many niche' loans for your individual or family's lowest payment and best mortgage situation. When you want to buy your dream home, you need a dependable mortgage lender that you can count on. When purchasing a home it is critical that you use a trusted mortgage partner that knows how to handle your loan approval quickly, so your purchase and sale offer gets approved first! Let us work for you, so you can focus on what you want to do.....getting excited! We guarantee to make your homebuying experience easy, smooth, fast, and fun. At Premier "Be The Borrower" is our philosophy and daily approach to how we help our customers. That means that we will always put your interests ahead of ours. Your dreams, your needs, and your concerns are what are most important to us. We promise to ensure that we meet or exceed your goals as we have the priveledge of helping you achieve your financial dreams!

Home Purchase Loan: Hassle-free home buying. Buying a home is an exciting and fun process. Premier makes it a smooth and fun process for you.
* Unique Mortgage Loan Programs
* No Money Down
* A homebuyers dream come true
* Interest-Only Program
* FHA, VA, and Conventioal Loan Approvals
* Free Loan Quote and Loan Approval
* Fill out our no obligation loan request, and we will get back to you within 1 hour to get you approved to buy the home of your dreams

Mortgage Refinancing Loans:
* The lowest mortgage interest rates in the market.....with the service you deserve. Our Mortgage interest rates are some of the lowest inthe country. Our significant buying power allows Premier to negotiate extremely low mortgage rates and terms....which we pass onto you! From your loan application through your loan funding, we are here to make sure you get an incredibly low interest rate, combined with top-level service.
* Same-day loan approvals. Getting your loan approved quickly puts your mind at rest, and allows you to focus on the rest of your life. At Premier, you will be able to find out exactly what loan you qualify....often as fast as the same day.
* Take a break from your mortgage loan payments for 1 month...... or more. As a part of your refinance, your next mortgage payment is not due for at least 1 month (or more) after your closing. Occasionally, we can allow you to skip up to (2) months of mortgage payments. Depending on your loan approval and loan type, we have options available to you. Ask your Sr. Mortgage Consultant for specific details.
* Consolidate your higher-interest credit card, automobile, or other debt. When you consolidate your higher-interest debt such as credit cards, car loans, consumer loans and all other loans, you can lower your payments, and your stress. (*) Taking advantage of lowering your total monthly payments frequently offers you significant tax benefits as well. Your mortgage interest, points and fees, and payments often have large tax-deductible benefits for you as well. Use our DEBT CONSOLIDATION CALCULATOR to calculate your monthly savings.
* Would some extra cash help you live easier today? Refinancing can give you extra cash to help you accomplish your life dreams or it can even solve your challenges today. Our clients often need this money to do things they have always wanted or even needed to do. Maybe you are ready to take that long-deserved vacation, buy your dream car, or pay-off your other debtors. Maybe you need money to pay for a much needed college tuition, maybe you have unexpected medical or automobile expenses that you didn't expect. At Premier, our focus is to give you any of the options that you want or need. It's your house and it's your choice.
* Home improvement loans. Remodel your home, and increase the value of your home. Whether you want to remodel your master bedroom, update your kitchen with all new appliances, add a garage, or even put on a new roof. Remodeling your home not only gives you a happier place to live, but it also increases the value of your home.
* Get your money fast. Premier can close your refinance loan in as little as 7-10 days. We know that you want to get your loan completed quickly to get your money fast. We can close your loan fast with our in-house Underwriting Team and Loan Closing Support Team. Get your money in days, not months.

Mortgage Refinance Loan: Think you cannot qualify for a Refinance?
* Unique Government Subsidized Refinance Loans...Limited Time Only
* All time low interest rate equal all time low mortgage payments
* We can close your loan in as few as 10 days
* Consolidate your high interest credit cards and debts
* Make home improvements, with low payments
* Free Credit Report
* Free Loan Approval. No Cost, No Obligation Quote
* Fill out our easy loan request form and a loan specialist will contact you immediately about your loan approval and many loan options

1-866-501-LEND (5363)

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability. Review - Copyright 2001-2011 and Beyond, Nationwide Mortgage Loans - All rights reserved.

Home Purchase Loans - 100% Mortgage Loan Financing - VA, FHA and Conventional Mortgages

Financing real estate and buying homes remains a great avenue for Americans to acquire wealth. Whether you are trying to purchase a home in Portland, Maine, or San Diego, California, our home lenders provide consumers low rate home loans for primary residences, second homes and investment properties. We offer superior new home financing whether you are a 1st time homebuyer or an experienced real estate mogul. Borrowers are lining up for the 80-20 loans that require no down payment for 100% financing. Applicants can choose from conventional, sub-prime, negative amortization, jumbo mortgages, and interest only loans with 15 and 30-year fixed or adjustable rate loans for all types of credit. 

Purchase a Home with 100% Home Financing! Finance a New Home Now with Purchase Loan Rates Starting at 3.875%

* Low Rate Home Mortgage Loans
* 80-20 Home Loans
* 100% Financing
* Fixed Rate Home Purchase Mortgage
* No Income Mortgage
* 1.25% Negative Amortization
* Conventional Home Loans
* Best Rates for 30-Year Loan Terms
* Interest Only Jumbo Loans
* Non-Conforming Hard Money
* FHA and VA Home Mortgage Loans

Subprime Mortgage Refinancing - Poor Credit Refinance Loans, FHA Mortgages: Our mortgage refinance lenders offer alternative financing for borrowers seeking FHA refinancing, but have low credit scores. We offer offers sub-prime mortgage refinancing for borrowers with less than perfect credit seeking cash out equity loans and fixed rate mortgages for debt consolidation and reestablishing credit. Nationwide extends FHA refinance programs that enable homeowners with bad credit to refinance into a fixed rate loan that save reduces their interest while freeing some cash flow from the lowered monthly payment. We provide lending programs that are designed for the non-prime refinancing market so homeowners with poor credit scores can still have the ability to cash out and refinance to achieve lower payments. For borrowers who have earned a lot of equity, we offer a streamline refinance with no income documentation features that make the loan process

Second mortgages are very popular for people who need help accessing cash such as with a personal loan, but if your credit is below 500 fico, you will probably need to qualify for a hard money loan. Unfortunately, in most cases the equity loan market needs a 600 fico unless you have a significant amount of equity available in your home. If you are ready to rebuild your credit history and lock your mortgage into a fixed rate, then give our loan team a call or apply online now.

* Poor Mortgage Refinance:
* Past Bankruptcy OK
* Non-Prime Home Equity Loans
* Fixed Rate Second Mortgages
* Cash Back Refinancing
* Stated Income Home Refinancing
* Sub-Prime 2nd Mortgages
* Combine 1st and 2nd Mortgages
* Consolidate High Rate Debts

Beyond, Nationwide Mortgage Loans
545 Second St.
Encinitas, CA 92024

An adjustable-rate mortgage differs from a fixed-rate mortgage in many ways. Most importantly, with a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an ARM, the interest rate changes periodically, usually in relation to an index, and payments may go up or down accordingly. To compare two ARMs, or to compare an ARM with a fixed-rate mortgage, you need to know about indexes, margins, discounts, caps on rates and payments, negative amortization, payment options, and recasting (recalculating) your loan. You need to consider the maximum amount your monthly payment could increase. Most importantly, you need to know what might happen to your monthly mortgage payment in relation to your future ability to afford higher payments. Lenders generally charge lower initial interest rates for ARMs than for fixed-rate mortgages. At first, this makes the ARM easier on your pocketbook than would be a fixed-rate mortgage for the same loan amount. Moreover, your ARM could be less expensive over a long period than a fixed-rate mortgage--for example, if interest rates remain steady or move lower. Against these advantages, you have to weigh the risk that an increase in interest rates would lead to higher monthly payments in the future. It?s a trade-off--you get a lower initial rate with an ARM in exchange for assuming more risk over the long run. Here are some questions you need to consider: * Is my income enough--or likely to rise enough--to cover higher mortgage payments if interest rates go up? * Will I be taking on other sizable debts, such as a loan for a car or school tuition, in the near future? * How long do I plan to own this home? (If you plan to sell soon, rising interest rates may not pose the problem they do if you plan to own the house for a long time.) * Do I plan to make any additional payments or pay the loan off early?

Mortgage Equity Cash Out Refinance?

Homeowners can tap some of their home's wealth and use it for other immediate needs or wants, but should they choose a cash-out refinance, home equity loan or home equity line of credit? Which would be best to renovate or remodel the home, pay off credit cards or to fund a child's college education? Should a reverse mortgage be used to supplement retirement income? Which uses of home equity are smarter or more legitimate than others?

An easy answer would be nice. But such decisions aren't simple. In fact, any reason might be good or bad, depending on your situation.

As Jay Voorhees, broker and owner of JVM Lending, a mortgage company in Walnut Creek, California, says, "It all comes down to responsible borrowing."

With that in mind, here's a look at six common home equity cash-out scenarios and why they might -- or might not -- make sense for you.

Home improvement is "the No. 1 use" of home equity loans and home equity lines of credit, or HELOCs, says Kelly Kockos, home equity product manager for Wells Fargo in San Francisco.

Second on the list are major purchases, which these days are more likely to be vehicles, appliances or other durables rather than lavish weddings or exotic vacations.

"People are using home equity for what they need versus what they want," Kockos says.

The upside is clear if you bought a home you don't completely love and want to remodel, whether that means an addition, cosmetic changes, kitchen and bathroom updates, finishing a basement or building a garage, suggests Justin Lopatin, vice president of mortgage lending for PERL Mortgage in Chicago.

The opportunity is especially attractive if your home has risen in value so you have a larger equity cushion.

"You can leverage that equity at a low rate to improve your home and make it more comfortable," Lopatin says. "If you can tap into equity without increasing overhead to the point that it's not affordable or comfortable for you, that's a good reason."

Home equity can be used to invest for a higher return as long as interest rates remain low, Lopatin suggests.

"It's inexpensive cash. If you can borrow at 4 percent and turn around and make an investment in the stock market and yield 8 percent, you made 4 percent on your money," he says.

Moore says home equity can be a good source of funds to start a business or further your education, but he adds that an objective adviser should be consulted to ensure that your investment is sound.

"That kind of opportunity is a great area where using home equity makes sense," he says. "If you were retraining, going back to school or getting a certificate and putting that money to work in human capital to increase your earnings, that would be a possibility."

A HELOC or home equity loan can be an attractive way to finance a child's education because the interest rate might be lower and the maximum loan amount higher than some other types of education financing, says Andy Tilp, president of Trillium Valley Financial Planning in Sherwood, Oregon.

But this strategy isn't risk free.

"I've seen parents struggle because they have to delay retirement, sometimes for many years, because of this huge debt. And if they lose their home, and with a bit of an ironic twist, they may be moving in with their new college grad," Tilp says.

A related question is whether to tap equity to pay off a student's loans after he or she graduates.

That might seem smart, but Alan Moore, a CFP professional for Serenity Financial Consulting in Milwaukee, says parents shouldn't sacrifice their own financial well-being.

"Kids are much better off with financially secure parents than they are being financially secure and having to take care of their parents later in life," Moore says.

One exception might be if the parent (unwisely) co-signed a student's loans and the student didn't make the payments.

Some retirees use a HELOC to meet their current income needs in years when their investment returns aren't sufficient for that purpose, Tilp says.

But again, there's a risk because eventually the retiree will have to make payments on the HELOC.

"If their investment returns don't pick up, they'll need to cut back elsewhere or borrow more against the line of credit, which can start a dangerous downward spiral," Tilp warns.

Another option is a reverse mortgage, which allows seniors to borrow against home equity without making payments. Instead, the loan is repaid when the senior dies or moves out of the home or the home is sold.

Paying off car loans, credit cards or other personal debt is another popular use of a home equity loan, HELOC or cash-out refinance.

But the ease with which new debts can be incurred suggests this tactic might not always be wise.

"It may make sense when you run the numbers," Moore says. "But that doesn't cure the problem of credit card debt. We want to make sure we're taking care of what got you into debt in the first place."

Moore points out that credit card debt is unsecured while a home loan is secured by your home, which explains why the interest rate is so much lower than a typical credit card rate.

"Freeing up unsecured debt for secured debt is typically a bad idea until it's absolutely necessary," Moore says.

A HELOC or home equity loan can be a handy alternative to keeping a large sum of money in a low-rate bank account for emergency savings.

However, one downside of this strategy is that a major life catastrophe can trigger a path to home foreclosure.

"If someone has an emergency and taps the money, but then loses their income and then is in default, they've put their home at risk," Tilp says.

What's more, Moore suggests, a HELOC as an emergency fund can also be too big a temptation to borrow.

"When (a HELOC) is very easily accessible and the interest rate looks good, it can maybe be too easy," he says. "By having it, you're more likely to use it, which is the good and the bad."

Considerations between a Mortgage Personal Loan versus a Line of Credit.
If you're thinking about buying a house, there are more costs beyond the home mortgage payments.
Reverse Mortgage Loan Benefits. Pros and Cons about getting cash from your home equity.
Even if you have bad credit, you can get a no credit check personal loan for nonhomeowners.
Apply for a home equity loan, or view options for a traditional second mortgage loan to pay down debt, for remodeling, or for any reason.
Money for Home Loan Down Payment
A fantastic way homeowners can save money and build a large reserve of equity, is to payoff mortgage loans ahead of schedule. How to Pay Off Mortgage Early.
I'm a non-homeowner and I don't qualify for a debt consolidation loan. Is there a way I can get a bad credit loan to pay off credit card debt?
Some consumers who are trying to sell their homes are having a tough time and consumers wanting to purchase a home are not getting the financing they need. Renting to own or leasing may be a solution for both parties.
Free Tips Before Purchasing a Home. To buy or not to buy a home - that is a good question many consumers tackle at some point in life. There are a few questions you could ask yourself to help get to the correct answer for you.

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