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Mortgage Refinancing and Equity Options: Use your home as your personal loan resource. Apply for a low interest 2nd mortgage loan. A home equity loan can be used to pay for home remodeling to improve your home's value, or as a debt consolidation loan to payoff bills and get rid of high interest fees or to buy a boat or RV or to go on vacation.

Before you apply for 2nd mortgage refinancing, use our mortgage refinancing calculator to calculate the new long term monthly payments. In addition to providing money that can be used as an unsecured debt consolidation loan to payoff bills, a mortgage refinance loan can be used for any reason.

Learn about a joint mortgage loan, the benefits of a reverse mortgage and the options for a nonhomeowner debt consolidation loan. Get all the facts and carefully review the terms and conditions before you submit your mortgage refinancing application. Browse for more mortgage refinance resources.

 

Reverse mortgage - Information about the benefits of a reverse mortgage.

Home equity loan - Refinance your first mortgage and take cash out at closing.

Home remodeling loan - Use your home's equity to finance a remodeling project and increase home value.

Mortgage refinance loan - For a home equity line of credit, you may want to think about a traditional second mortgage loan.

Mortgage refinancing - Read the benefits of mortgage refinancing.

Mortgage refinancing calculator - Calculate your new mortgage payments.

2nd mortgage loan - Equity cash loan, debt consolidation, remodeling and other uses.

2nd mortgage refinancing - Apply for a lower interest rate and/or lower payments.

Mortgage Refinancing Advice

Mortgage Foreclosure Assistance

Homeowner Financial Assistance

Mortgage Loan Payoff

Free Tips to Prevent Foreclosure

Mortgage Equity and Mortgage Bankers

Equity for Retirement

Home Remodeling Loan

Reverse Mortgage Loan

Home Remodeling Loan

Home Equity Loan

2nd Mortgage Loan

  

  

   

    

Auto Loan: Good or bad credit auto loan quote. Apply for a new or used auto loan, or for car refinancing.
 

Credit Card: Search for a gold rewards or a bad credit card. To rebuild credit, get an instant approval credit card. Browse unsecured platinum and guaranteed credit card offers.

  

Credit Report: Free credit report help to fix credit report errors and improve credit score ratings.

 

Debt Counseling: Nonprofit credit counseling, unsecured debt consolidation or free debt settlement.

 

Free Credit Offers: Get no obligation credit offers and receive alerts and tips to manage personal finances.

 

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Interest rates: National averages of credit card, mortgage, refinancing and auto loan interest rates.
  

                 

  

Apply online for a home remodeling loan. Get a free equity loan quote from multiple lenders and see if you qualify for the lowest home improvement loan rate.

   

 

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A government home remodeling loan is limited to a maximum loan amount of $12,000 per family unit. But with the Credit Federal network, you can get a home improvement loan for up to $100,000 or more.

The Federal Housing Administration (FHA) makes it easier for consumers to obtain affordable home improvement loans by insuring loans made by private lenders to improve properties that meet certain requirements. "Lending institutions make loans from their own funds to eligible borrowers to finance these improvements."

The Title I program insures loans to finance light or moderate home remodeling, as well as the construction of nonresidential buildings on the property. This program may be used to insure such loans for up to 20 years on either single- or multifamily properties. The maximum loan amount is $25,000 for improving a single-family home or for improving or building a nonresidential structure.

For remodeling or improving a multifamily structure, the maximum loan amount is $12,000 per family unit, not to exceed a total of $60,000 for the structure. These are fixed-rate loans, for which lenders charge interest at market rates. The interest rates are not subsidized by HUD, although some communities participate in local housing rehabilitation programs that provide reduced-rate property improvement loans through Title I lenders.

FHA insures private lenders against the risk of default for up to 90 percent of any single home remodeling loan. The annual premium for this insurance is $1 per $100 of the amount advanced; although this fee may be charged to the borrower separately, it is sometimes covered by a higher interest charge.

   

With a home remodeling loan you can get cash to fund your house's improvement plans.

There are two primary types of home improvement loans; 1) those that use the equity in your home and 2) those that require a down payment.

Home loans using home equity as collateral are the most common and offer the biggest loan amounts, but lenders are looking for homeowners to retain a 15% equity stake after the loan. This means you'd need a fairly large amount of equity in your home to qualify.

Your other option is to pay a down payment rather than use the equity in your home as collateral, but if you don’t want to tie up equity in the home, you’re looking at a much smaller loan with a higher interest rate.

When looking for equity financing, your current mortgage lender may not be the best choice. To get the best deal, comparison shop with several lenders including your mortgage company.

Typically to qualify for a home improvement loan you'll need a good credit score and enough monthly income to comfortably pay for all of your debts, including the additional loan payment.

If you choose to use your home's equity as collateral, the lender may require an appraisal of your home. The lender will use the appraisal amount and your mortgage terms to determine how much equity you have in your home and what the home is worth to the lender.

   

Regardless of bad credit or no credit, our multiple lenders want to offer you a home remodeling loan at the lowest interest rate possible. Applications accepted from all credit types.

 

Learn more about home mortgages, and read our articles related to a home remodeling loan.

Sell Christmas gift card fast: The quickest way may be through an online gift card exchange website. First make sure your gift card qualifies. Most broker sites require gift cards with a value of $25 or more, and not every site accepts all store gift cards. Compare gift card brokers by evaluating if they offer different forms of payment other than a check; such as Pay Pal or wire transfer. Also compare the percentage rates they pay per card value. Note than some offer higher percentages for higher value cards, while paying a much lower percentage for low value cards ($500 or lower). See which companies offer free shipping. Also check the site's reliability by asking for recommendations, and searching the BBB for complaints.




Your Gift Card Rights - Gift Cards include the following types: Store Gift Cards, and gift cards with a MasterCard, Visa, American Express or Discover brand logo. LIMITS ON EXPIRATION DATES: The money on your gift card will be good for at least five years from the date the card is purchased. Any money that might be added to the card at a later date must also be good for at least 5 years. REPLACEMENT CARDS: If your gift card has an expiration date you still may be able to use unspent money that is left on the card after the card expires. For example, the card may expire in 5 years but the oney may not expire for seven. If your card expires and there is unspent money, you can request a replacement card at no charge. Check your card to see if expiration dates apply. FEES DISCLOSED: All fees must be clearly disclosed on the gift card or its packaging. LIMITS ON FEES: Gift card fees typically are subtracted from the money on the card. Under the new rules, many gift card fees are limited. Generally, fees can be charged if - *you haven't used your card for at least one year and, *you are only charged one fee per month. These restrictions apply to fees such as: *dormancy or inactivity fees for not using your card; *fees for using your card; *fees for adding money to the card and; *maintenance fees.






HSBC gift card - The HSBC MasterCard® GiftCard takes the guesswork out of gift giving. Give your friends and family the flexibility to buy what they want, when they want. The GiftCard can be purchased in any amount between $25 and $500. The GiftCard can be used at millions of locations worldwide - anywhere that MasterCard® Debit Cards are accepted. Let your friends, family members or business associates choose the perfect gift that's right for them. It's an ideal choice for birthdays, holidays, weddings and graduations... all your gift giving occasions! You load it, they spend it. Each card can be personalized with a special message and includes a distinctive card carrier. Choose from a variety of card designs and select the one that's just right for the occasion. Supply the shipping information and we'll take care of the rest!* Terms and conditions apply to GiftCards. Fees may also apply.




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.
 

eFirstBank.com Review - Copyright © 2011 FirstBank Holding Company

FirstBank Free Checking - A free checking account with no minimum balance and no monthly service charge, and several other features to make your banking better.

What do I get?
* Free Internet Banking with eStatements
* Free Mobile Banking**
* Free Alerts**
* Free Bill Pay***
* A Visa Check Card
* 24/7 Live Call Center

Minimum Daily Balance: $0
Service Charge: $0
Direct Deposit Requirement: None
Interest Rates: N/A
Internet Banking: Do almost all your banking without ever entering a branch, just without the free candy.

* Free with eStatements.
* Transfer funds.
* View and print images of your checks.
* View and print your account statements.
* Update your personal information.
* Download to Quicken and QuickBooks.

Mobile Banking - Bank anywhere using your mobile device. It’s completely secure, free*, and imparts a feeling of extreme importance. For more information, visit Mobile Banking.

Alerts: Get free** text or email alerts about account activity or set up notifications. Refreshingly free of any LOLs or OMGs.
* Account and loan balance alerts.
* Withdrawal and purchase alerts.
* Foreign activity alerts.
* Deposit alerts.
* Payment due notifications.
* Personal information change notifications.

Bill Pay: Send payments quickly and securely for free*** online, because stamps and envelopes are not free.
* Schedule recurring payments such as mortgage or car loan payments.
* Schedule one-time payments for amounts that change each month.
* Receive eBills in place of paper statements (optional).



Second 2ndmortgage

  

When a person already has a home loan but they may want money for debts or other needs, they often seek a second mortgage loan. The equity in the home is used as collateral for the second loan. The primary mortgage has priority in the event that there is a default on both loans. If this happens it is important to repay the primary loan first, then the second loan. These second loans are popular when people are deep in debt and need money to pay off bills, to start a business, to make improvements to the home, or even to buy a new auto. The loan can be used for anything.

  

It is important to make sure that the loan will not have high interest rates and check to see if you must pay for private mortgage insurance. How much can be borrowed is determined based on the amount of equity in the home. That is how much of the loan has already be paid. A second loan might be equal to 85% of the home's appraised value. However, some lenders allowed people to take out second mortgages equal to 125% of the appraised value.

  

The interest on a second loan will be higher than with a first loan in the event the homeowner defaults, so there is more risk involved in giving second mortgages. There are fixed rate home equity loans and adjustable rate home equity lines of credit. Lenders quote rates based on credit scores, and the loan term can be from 15 to 30 years. Usually a second loan is offered for a shorter time period than a first loan.

  

Applying for a second mortgage loan requires the same process as the first mortgage. It is good to compare lenders and get a few quotes. There are free, no-obligation forms online that are easy to complete to get quotes. Once the best offer has been found it will require more paperwork to apply for the loan, and the lender must get an appraisal of the home to find out the value. Talk to the lender about the second loan being subordinate to the refinance loan, as it can save money. It means the second loan stays at a junior priority status to the refinanced first loan. The interest may be a deduction on taxes, ask an accountant, but there are expenses in taking out a second loan. Defaulting on a second loan could be a risk to loosing the home in a foreclosure. It is important to decide if a second mortgage is a good option for the budget.




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.
 

NAMB.org Review - The Association of Mortgage Professionals

The National Association of Mortgage Brokers is the voice of the mortgage broker industry, representing the interests of mortgage brokers and homebuyers since 1973.

The Association is committed to promoting the highest degree of professionalism and ethical standards for its members. In addition to mandating members adhere to a professional code of ethics, NAMB provides mortgage brokers with professional education opportunities, and offers rigorous certification programs to recognize members with the highest levels of professional knowledge and education. As the sole national trade association for this industry, NAMB is affiliated with all 50 state associations and the District of Columbia. NAMB’s active lobbying and advocacy efforts frequently focus on national and state issues.

The Association hosts several meetings throughout the year. NAMB also offers members a host of benefits aimed at increasing productivity and lowering business costs. Most NAMB members are small business owners.

Since mortgage brokers participate in a large number of home loans originations, homebuyers’ interests are also important to NAMB.

Established in 1973, the National Association of Mortgage Brokers (NAMB) is the only national trade association representing the mortgage broker industry. With members in all 50 states, NAMB promotes the industry through programs and services such as education, professional certification and government affairs representation. NAMB members subscribe to a code of ethics and best lending practices that foster integrity, professionalism and confidentiality when working with consumers.

According to a 2004 study by Wholesale Access Mortgage Research & Consulting, Inc., there are approximately 53,000 mortgage brokerage companies that employ an estimated 418,700 employees and originate more than 50% of all residential loans in the U.S. The mortgage broker industry is regulated by 10 federal laws, five federal enforcement agencies and over 49 state laws or licensing boards.

Mortgage brokers are real estate financing professionals acting as the intermediary between consumers and lenders during mortgage transactions. A mortgage broker works with consumers to help them through the complex mortgage origination process.

A typical broker has a working relationship with numerous banks and other lenders and provides the consumer with access to hundreds of options when it comes to financing a home. This allows mortgage brokers to provide consumers the most efficient and cost-effective method of obtaining a mortgage that fits the consumer's financial goals and circumstances. Mortgage brokers have helped many consumers, including low-to-moderate income borrowers with less than perfect credit histories, enjoy the benefits of homeownership.

GOVERNMENT AFFAIRS RESOURCES
*Legislative Action Center - updated to reflect the most recent action on issues that affect you
*Position Papers - all information from the 2009 NAMB Legislative & Regulatory Conference
*NAMB Fights for You - NAMB in the press, on Capitol Hill. Find out how NAMB protects you and your industry
*News from NAMB - Weekly updates on the most recent developments in the industry
*NAMB Grassroots Advocacy - Have you met with your Representative or Senator? Let us know! Want to know when NAMB will be holding In-District or Capitol Hill Lobby Days? Check out our Advocacy Page!

NAMB established the GMA®, CRMS®, and CMC® certification exams to provide members with an opportunity to be recognized as leaders within the increasingly competitive field of mortgage brokering. The Individuals who seek certification should know that the benefits of achieving distinction will enhance your career and reputation.

Why should you use a mortgage broker? Did you know that two out of three Americans use a mortgage broker to purchase a home? They do this because mortgage brokers offer home buyers with more options and a wider selection of loan products.

Use a certified mortgage broker! The National Association of Mortgage Brokers (NAMB) is a not-for-profit organization committed to promoting the highest degree of professionalism for its members and providing ethical and professional standards against which mortgage brokers can be measured. In order to achieve this goal, NAMB has developed a rigorous certification program to recognize brokers who have attained the highest levels of professional knowledge. Developed through extensive research by mortgage industry professionals, a NAMB certification is gained only once the candidate has met certain requirements of experience and knowledge to practice mortgage brokering and has passed a written examination. When combined with our code of ethics and best business practices, a NAMB certified mortgage broker is your guarantee that you are dealing with a recognized professional in the mortgage origination field.

NAMB The Association of Mortgage Professionals
2701 West 15th Street.
Suite 536
Plano, TX 75075
Phone: 703.342.5900




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