Gold Loan Provider in India #gold #loan #provider #in #india,top #finance #company #in #india, #gold #loan, #jewel #loan,gold #loan #services, #loan #against #gold #ornaments, #gold #loan #companies, #gold #loan #interest #rate, #jewel #loan #serivces, #cash #against #jewellery, #gold #loan #company,cash #against #gold, #jewel #loans #india,gold #loans #india


#

Gold loans

Gold Loan

  • Hassle Free documentation and Instant cash
  • Expert valuation for your gold
  • Various modes of re-payment available

Kosamattam finance is the pioneer leader in the gold loan portfolio in India. We provide feasible financial solutions and wise investment decisions to channelize the best value for your Gold, along with the simplest of paperwork, so that you may fulfil your dreams within a matter of minutes. When you are faced with an emergency that comes without warning, you can always use your gold jewellery to raise that urgent credit.

Forex services

  • Competitive exchange rates
  • Quick and prompt service
  • Transacting in all prominent currencies

Kosamattam Finance is a RBI approved Full Fledged Money Changer. We bring you hassle-free currency exchange services that are provided at competitive rates. Exchange your foreign currency in our authorised branches without any hassles in seconds. We deal in all prominent international currencies by buying and selling foreign currencies at our authorised branches.

Plantation

  • Excellent Produce
  • Ideal Climate
  • Scientific cultivation methods

Kosamattam Plantation located 3861 Feet above sea level and is ideally located on border belt of the Western Ghats in Idukki district of Kerala. Just 10 Km from Kattapana town and around 23 Km from Kumaly town, this estate is in the location of the cardamom belt of Idukki district. Cardamom the ‘King of all Spices’, is widely cultivated here. Besides cardamom, Pepper, coffee is also grown in plenty. The estate comes to 135 acres of fertile land growing the best variety of cardamom.

Alternate Energy

  • Committed to the environment
  • Well established wind farm
  • Reducing environmental impacts

Kosamattam finance understands that when we invest in a renewable energy solution, we make a commitment for decades. That is why we look at ourselves not just as harvesting wind energy, but standing by a commitment to do our part for the environment. Kosamattam Finance has established wind farms at Ramakel medu of Idukki district in Kerala. Environmental sustainability continues to be an issue of critical importance to us and those we serve.

Money transfer

  • Fast, Easy and Safe
  • Minimal formalities
  • Receive money within 10 minutes

Kosamattam Finance Money Transfers brings to you a network of branches from where you can instantly receive money from your loved ones. We execute close to a Million transfers annually and are the chosen Money transfer agent.

Insurance Services

  • One stop place for all Insurance needs
  • Excellent advisory services
  • Instant claim assistance

Life throws many unexpected things at all of us. While we usually can’t stop these things from occurring, we can opt to give our lives a bit of protection. Insurance is meant to give us some measure of protection, at least financially, should a disaster happen. There are numerous insurance options available, and many financial experts tell us that we need to have these insurance policies in place.

Ticketing

  • All types of air & road ticketing services
  • Customised service
  • Customer friendly service

Kosamattam Finance provides all ticketing related services to our customers in a prompt and efficient manner. Ticketing facility is available in all our branches. We are IATA certified air ticketing agent and cater to all the ticketing needs. Kosamattam Finance’s ticketing services is one of the pioneers among the IATA approved agents in India. Understanding the requirement of the traveller is of prime importance. Our aim is to provide personalized service through trained teams at optimum cost.

DMT Services

  • Available 365 days round the clock
  • Transfer done via IMPS / NEFT to any bank
  • Led by team of experts

Send your hard earned money within seconds to your bank account on any day without standing in queues. Kosamattam Finance provides the facility to transfer funds via IMPS within seconds.

Depository Services

  • Instant creation of demat account
  • Government Securities
  • Non-Convertible Debentures (NCD)

Kosamattam Finance provides depository services to its investors. Holding of securities in electronic form has various advantages to the investor. Demat ensures the transfer of securities instantly. Another advantage of holding a demat account is that there is no TDS for Depository held securities. Other risks such as loss, theft, delays etc. are avoided completely. In Depository system, the transfer of securities takes place by way of electronic book entries.

SME Loans

  • 100% transparency
  • Lowest processing charge
  • No hidden cost or administrative charge

You strive to seize every opportunity and often end up with lack of funds. With SME and Loan against Property (LAP) from Kosamattam finance, you can raise funds easily against your property within a very short time and chase your dreams and make them a reality.

Housing Finance

Kosamattam Finance is yet to start its operations in Housing Finance.

Other service

  • Prepaid and Post paid Mobile recharge
  • DTH recharge and PAN Card Issue
  • Water & Electricity Bills

Kosamattam Finance provides a host of other related services which are of utmost importance and relevant in our day to day lives. You need not go to the local vendor to re-charge your mobile & DTH. You need not stand in long queues to pay you post paid mobile bills. all these services are available under one roof in our branches and that to under the supervision of our trained branch Executives.

Attention Investors

Prevent Unauthorized Transactions in your demat account. Update your Mobile Number with your Depository Participant. Receive alerts on your Registered Mobile for all debit and other important transactions in your demat account directly from CDSL on the same day.Issued in the interest of investors. KYC is one time exercise while dealing in securities markets – once KYC is done through a SEBI registered intermediary (broker, DP, Mutual Fund etc.), you need not undergo the same process again when you approach another intermediary No need to issue cheques by investors while subscribing to IPO. Just write the bank account number and sign in the application form to authorize your bank to make payment in case of allotment. No worries for refund as the money remains in investors account.

Gold loan

Loan Inquiry

Delhi & Eastern India

Successful Customers

Mr. Musthafa, Periyakulam

Kosamattam Finance’s gold loan has been instrumental in helping my business develop and prosper for the past 10 years. Their streamlined approach, operating with less complexity and more transparency has guided me over the years.

Kosamattam finance’s concept of ‘affordable gold loans to all’ is what attracted me the most. All the employees are committed in explaining the loan details and I could instantly identify the absence of any hidden charges.

Mr. Nagalingam, Salem

Kosamattam finance Freedom online Gold loan is an innovative product with unmatched accessibility and security delivered by responsive, knowledgeable employees – all for a loan experience that is clear and straightforward.



Small Business Loans #small #business #cash #advance #loans


#

Welcome back!

Log In

Forgot your User ID?

Register your account

Create a password

Here’s how other businesses are using it

Here’s how it works

Here are the details

Merchant Financing and Your Merchant Fees

Your merchant fees remain as stated in your processor’s card service agreement. If you select your repayment option from credit and debit receivables, repayment is made after merchant fees and any amounts due for chargebacks, credits, and other fees are deducted in accordance with the terms of your processor’s agreement.

Type of Funding

American Express Merchant Financing products are commercial loans, not purchases or discounts of receivables or cash advances. You must repay the loan in full, together with the loan fee, regardless of your future revenue.

Settlement Advance

  • Loan Amount: Based, in part, on all your historical credit and debit card receivables each month; with a loan amount ranging from $10,000 to $1,000,000.
  • Term: One year agreement, automatically renewed unless either party provides 60 days notice to terminate. There are no early termination fees if you choose to cancel.
  • Repayment: Automatic, not manual.
  • Disbursements: Monthly, on the same date each month, which you select, into your business bank account. Monthly loan amount is reevaluated every six months.
  • Fee: 0.5- 0.67%
  • Additional Information: Ideal for helping to manage monthly cash flow. To apply for Settlement Advance, please call 1-855-298-1209 today.

Six Month Financing

  • Loan Amount: Based, in part, on your historical credit and debit card receivables for the past 12 months and performance to date; with a loan amount ranging from $36,000 to $2,000,000.
  • Term: Six months
  • Repayment: Automatic, not manual.
  • Disbursement: One time disbursement.
  • Fee: 3-7%
  • Additional Information: Ideal for upgrading to new equipment or funding large projects. No early termination fee.

One Year Financing

  • Loan Amount: Based, in part, on your historical credit and debit card receivables for the past 12 months and performance to date; with a loan amount ranging from $5,000 to $2,000,000.
  • For loans, $35,000 and below, a personal guaranty may be required.
  • Term: One year
  • Repayment: Automatic, not manual.
  • Disbursement: One time disbursement.
  • Fee: 6-14%
  • Additional Information: Ideal for upgrading to new equipment or funding large projects. No early termination fee.

Two Year Financing

  • Loan Amount: Based, in part, on your historical credit and debit card receivables for the past 12-24 months and performance to date; with a loan amount ranging from $36,000 to $2,000,000.
  • Term: Two-Years
  • Repayment: Automatic, not manual.
  • Disbursement: One time disbursement.
  • Fee: 12-28%
  • Additional Information: Ideal for upgrading to new equipment or funding large projects. No early termination fee.

Additional Terms & Conditions

This website contains a summary of the Merchant Financing products offered by American Express Bank, FSB. For additional information, please call us at 1-855-298-1209.



First State Bank of Burnet, burnet home loans.#Burnet #home #loans


#

burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

Burnet home loans

First State Bank of Burnet

Burnet home loans



Title loans modesto ca #title #loans #modesto #ca


#

©2016 Community Choice Financial Inc.™, * 6785 Bobcat Way, Suite 200 * Dublin, Ohio 43016 * 800-837-0381

Customer Notice: Loan services should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling. Company is licensed by Dept. of Business Oversight under California Deferred Deposit Transaction Law, Cal. Fin. Code §23000 et seq. and Finance Lenders Law, Cal. Fin. Code §22000 et seq.

Insight Visa® Prepaid Debit Cards are issued by Republic Bank of Chicago and Urban Trust Bank, FSB, Members FDIC, pursuant to licenses from Visa U.S.A. Inc. The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification. Approval is contingent upon successfully passing this mandatory identification confirmation.

Company is licensed by Dept. of Business Oversight under California Deferred Deposit Transaction Law, Cal. Fin. Code §23000 et seq. and Finance Lenders Law, Cal. Fin. Code §22000 et seq.

Compañía está autorizada por el Departamento de Negocios de Supervisión bajo la ley de Transacciones Depósito Diferidas, Cal. Fin. Código § 23000, et seq. y la ley de Finanzas Prestamistas, Cal. Fin. Código § 22000, et seq.

CFSA Customer Notice: A single payroll advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payroll Advances are not recommended as long-term financial solutions.

CFSA Noticia al Consumidor: Un payroll advance es típicamente para dos o cuatro semanas. Sin embargo, los que piden el préstamo usualmente usan estos préstamos sobre un periodo de meses, lo cual puede resultar caro. Los payroll advances no son recomendados como una solución financiera a largo plazo.

Not all customers may qualify; certain restrictions apply. See store for details.

Loans made or arranged pursuant to a California Finance Lenders Law license.

Title and Signature loans provided by Buckeye Title Loans of California, LLC pursuant to California Finance Lenders Law.

Título y Prestamos de firma suministrados por Buckeye Title Loans of California, LLC conforme a la ley de prestamistas de Finanzas de California.



VA Mortgages – James B Nutter – Company #va #home #loans,va #housing,james #b. #nutter # # #company,irrrl,va #interest #rate #reduction #refinancing #loan,va #no #closing #cost #refinance,va #streamline #refinance,va #home #loans #and #housing,va #mortgage,va #mortgage #rates,va #mortgage #rates,veteran #mortgage #guidelines


#

VA Loans

If you’re a Veteran or the family member of a Veteran, please accept our deepest gratitude for your service. A grateful nation thanks you! One of the best Veteran benefits continues to be the VA Loan Program, which has helped more than 20 million Veterans achieve the American Dream of homeownership.

Buying a home can be an intimidating process, even for a military Veteran. However, we want you to know that you’ve come to the right place. James B. Nutter Company has been making VA loans for over 65 years. We’re the experts on VA financing.

VA Loan Features

VA Loans contain many attractive features that can save you real money:

0% down payment option
Fixed Rate or Adjustable Rate
Flexible loan terms (30-year, 20-year, 15-year)
Assumable
VA Refinance program available with no closing cost option

Helpful Tips to Get You Started:

Here are some helpful tips to keep in mind if you’re buying a home and would like to use your VA loan benefit:

Find your VA Certificate of Eligibility (COE) . By far the most important document to locate is your Certificate of Eligibility (COE), which enables Nutter to calculate how much your VA loan benefit is and thus how much house you can afford. Many Veterans are given a hard copy of their COE after they’ve been discharged, but if you’ve misplaced your COE you’ll need to get a new one. For more information, click here. We can help you as well!

Get preapproved by Nutter. Once you’ve got your COE in hand, it’s a smart move to get preapproved. Not only is getting preapproved quick and easy (and free!), but in this highly competitive housing market many realtors insist that homebuyers have a preapproval letter in hand when they’re shopping for a home. For more information, click here .

Interest rates for VA loans are currently lower than other types of home loans. Now is a great time to buy a home, especially with property values rising and interest rates near historic lows. Even better, interest rates for VA loans have recently been about .50% lower than conventional loans, which could save you an average of $3,100 per year on a $250,000 mortgage.

Close with Nutter and avoid excessive lender fees. This tip applies to any homebuyer whether you’re a Veteran or a civilian, but in the case of Veterans it’s especially important because lender fees can count against the amount of your VA loan benefit. Unfortunately, not all mortgage lenders are created equal and many will charge you a small fortune in closing costs. If you want to get the most out of your VA loan eligibility, choose Nutter— we don’t charge any “junk fees”.

Don’t listen to the media—VA loans are not “hard to process”. A popular misconception about VA loans is that they’re more difficult for a lender to close than other loans. In our experience, VA loans are just as easy to process as other loans. We’ve never declined to take a VA loan application because “those loans are just too darn hard to close.” Quite the opposite, in fact. We value Veterans and their families and would like nothing more than to help them buy a house. It’s the very least we can do to thank them for their service!

The VA offers a great refinance program—the Interest Rate Reduction Refinance Loan (IRRRL) Program. For those Veterans who already have a VA loan, the VA allows you to do a “streamline refinance” of your VA loan without an appraisal and without having to fully requalify all over again. Nutter can even offer this program with no closing costs. This means that Veterans can take advantage of lower interest rates and refinance with a minimal amount of red tape and expense. For more information, click here. Also, check out the VA Home Loans and Housing Page, click here

Our experienced and knowledgeable loan officers are just an email or a phone call away and can answer all of your questions.



Home Equity to Consolidate Debts #home #equity #canada, #debt #consolidation #advice, #refinance #home, #second #mortgage #rates, #increase #mortgage, #mortgage #rules, #sell #your #house, #pay #off #debts, #borrowing #against #equity, #mortgage #calculator, #high #interest #loans, #debt #consolidation #companies


#

You are here

Home Equity to Consolidate Debts – Refinance Your Home or Get a Second Mortgage

What does using home equity to consolidate your debts mean? Essentially it is using the equity in your home / refinancing your home to consolidate your debts into one payment in order to pay off your debts.

A “Home Equity Loan”, “Home Equity Line”,”refinancing your mortgage / re-mortgage” and getting a “second mortgage” are all different names for the same thing and are sometimes used as a debt consolidation option. These terms refer to the bank lending you money against the portion of your home that you own. So if the bank thinks that your home is worth $300,000 and your mortgage is for $250,000, then you own $50,000 of your house. This is called your “equity”.

Increasing your mortgage is something that the bank may let you do, by taking out a second mortgage to use up some of this equity to pay off your debts. (Check out our handy mortgage and debt consolidation calculator ). You would then have two mortgages: your first mortgage and a second mortgage which could be the debt consolidation home loan . If this is something you’re interested in doing, speak with your bank or credit union to find out how it works, to get information about the mortgage rules in Canada and if this option could work for you. Sometimes if you have bad credit. it might be difficult to get a debt consolidation loan. so using home equity could be another possibility. Check with a Credit Counsellor to make sure that you choose the right option.

Selling Your House to Pay Off Debt – Talk to a Credit Counsellor About Consolidating Debts

You could also sell your house to pay off debts. though this should be a last resort and pertain to your situation, e.g. down-sizing in retirement. There are things to know before using your home equity line. so to choose the best way / option that fits your situation, especially if you’re retired and your income has changed, talk to a trusted, accredited non-profit Credit Counsellor.

Interest Rates for Second Mortgages – Can Be Higher Than First, Talk to Your Bank About Using Your Home Equity

Sometimes you can get the same interest rate on your second mortgage as you got on your first mortgage, but this isn’t always possible (talk to your lender to find out more). If you do have to pay a higher interest rate on your second mortgage, you can set up the due date / term to correspond with the due date / term for your first mortgage. This will allow you to combine them at the bank’s best interest rate when they need to be renewed.

Re-mortgaging may also be an option that your lender can explain to you. It may allow you to keep a low interest rate, only have one mortgage payment and still give you funds to pay off other debts.

History of Mortgage Rates in Canada – Declining Since 1980’s

Ever since the early 1980’s mortgage rates have been declining in Canada. They peaked at over 20% at that time but are now typically offered in the 3% – 6% range. It is wise to remain mindful of the fact that we are currently living with historically low interest rates. This means that we cannot count on them to stay this low forever. The average five year mortgage rate over the past 60 years has been 8.95%. So if you are considering refinancing your home, make sure you can afford an “average” interest rate of 9% in the long term.

Finance Companies and Sub Prime Lenders or Loan Companies Offering Mortgages – Higher Interest Rates than Banks

Finance companies and sub-prime lenders also offer mortgages. Their interest rates will almost always be higher than the bank’s and can often range between 14% – 30%. These rates are a lot higher because these companies tend to lend money / cash to people in financial situations that involve more risk than banks usually want to take on.

High interest loans like these can be used as a tool to get you from point A to point B, but you should do your best to find a better arrangement as fast as possible. It is very hard to get ahead paying really high interest rates.

Advantages of Using a Second Mortgage to Consolidate Debt

  1. The interest rates are typically low
  2. Flexible payment arrangements. You can usually extend your amortization (the length of time required to pay back the loan) to create an ideal monthly payment

Disadvantages of a Second Mortgage

  1. You must have enough equity in your home as well as income to make both mortgage payments
  2. You may be charged a number of fees for the costs involved in setting up a second mortgage
  3. Banks often don’t like to do small second mortgages. $10,000 may be the minimum that they will consider

Contact Us for More Information About How to a Use Home Equity Line to Consolidate Debts

We can give you information on how to use home equity to consolidate debts / pay off debts. Contact us by phone at 1-888-527-8999, send us an email or chat with us online right now. One of our Credit Counsellors will be happy to offer you debt consolidation advice . Our appointments are free, confidential and informative. You may have other options that are better for your situation, so before you increase your mortgage, take out a second one (at a higher interest rate) or apply for a home equity loan. give us a call.



No Doc Loans Finance One Online #unsecured #no #doc #business #loans


#

No Doc Loans

No Doc Mortgage Loans are available!

The No Doc Loan program (no income, no asset, no fico) is the most streamlined No Doc Mortgage Refinance program offered. Unlike a Stated Income Loan the No Doc Loan requires NO documentation. Business Entities such as LLC, Partnerships, Corporations or Irrevocable Trust may borrow as a No Doc Loan with personal guarantor(s). Borrowers who have a large down payment or significant equity, are rewarded with our “Hassle Free”, No Doc Mortgage Rates, no income and no asset verification processing. The Express No Doc Loan is designed to make No Doc Property Loans financing fast, easy and accessible.

No Doc Loans are changing

Recently, No Doc Loans have became the only alternative to conventional residential home loans or home mortgages. No documentation is needed for a No Doc Loans except for verified equity and a decent credit history.

No Doc Loans are good when seeking a refinance or purchase of a mortgage on real estate when you cannot show assets or income. A No Doc Loans second mortgage is available in some areas while a no doc home loan 1st mortgage would be available in many areas specially for home improvements on a residential property. There are also many no doc home loans for commercial were rate and fees can be stiff. A lot of no doc loans or mortgages are needed for improvements and/or the purchase of a commercial property for businesses. Banks offering no doc loans are far and few between. No Doc Loan Requirements:

AVAILABLE NO DOC LOANS PROGRAMS:

  • ARM Loans: 3/1. 5/1 and 7/1 Hybrid ARM

MAXIMUM NO DOC LOANS SIZE

NO DOC LOANS PROPERTY TYPES:

The No Doc Loan program allows 1-4 Family Residences, PUDs, Condos, Town-homes and 1 4 unit mixed use properties (commercial portion may not exceed 25% of the total square footage for No Doc Home Loan).

ELIGIBLE NO DOC LOANS BORROWERS:

Business entities: LLCs, Partnerships, Corporations, Irrevocable Trusts. PERSONAL GUARANTOR IS REQUIRED.

Individuals (including married or joint Applicants or Revocable Trusts Foreign Nationals and Non permanent resident aliens allowed are all available for No Doc Loans.

NO DOC LOANS CREDIT:

No pending combined collection matters over $5,000; no litigation in last 5 years other than resolved collection matters. This is not a governemt loan.

We will consider 2nd chance Loans – A no doc home loan will consider borrowers with prior foreclosure (with other lenders) or bankruptcy, however borrower(s)/guarantor(s) must demonstrate an overall acceptable credit history with no evidence of credit abuse or mismanagement of finances. Credit explanations may be requested on a case by case basis for a second chance no doc home loan.

Past foreclosure, repossession or settled account may be considered on a case by case basis for a second chance no doc home loan.

NO DOC LOANS INCOME/ASSETS:

Not required for No Doc Home Loan program.

NO DOC LOANS LENDING TERRITORY:

Selected counties in California, Georgia, Massachusetts, New York, Texas and Washington.

NO DOC LOANS GUARANTOR:

Required on all principals of 25% or over ownership.

NO DOC LOANS RESTRICTIONS:

Limit on number of 1-4 unit residential properties (including their primary residence) that are currently financed is 3 per household, entity, or guarantor for the No Doc Home Loan program (Including No Doc Loans for Investor properties).

Units in condominium projects must be warrantable (see non-warrantable condo for more details) and adhere to industry standard condo project and PUDs eligibility requirements. Exposure not to exceed 20% of the total project for any attached PUD or Condo Units. This also includes attached or row style housing (SFR and 2 4 units) not managed by an HOA.

No tear downs; habitable properties in good repair only.

No Doc Home Loan Seasoning requirements (Call about No Documentation Loan Rates):

    • This unique program has no seasoning requirement if subject is free and clear. For no doc home loan cash out transaction, if borrower has owned the property for less than one year at time of loan closing, LTV will be based on the lesser of borrower s acquisition cost or current appraised value. We will not lend on any cash out transactions against an increased value if property is owned less than one year for No Doc Loans program. Borrower s minimum contribution must be met through confirmation of cash down payment through HUD 1 closing statement.
    • For Rate and Term transactions (see seasoning requirement below), the LTV will be based on the appraised value.
    • If property owned less than 6 months, no refinancing of existing liens.
    • If Seller owned property less than 6 months at time of application, LTV will be based on the lesser of Seller’s purchase price or current appraisal value for the No Doc Loans program..
  • Cash out refinance not available for Texas properties.

    No ground leases, loan brokers or property over 10 acres permitted.

    NO DOC LOANS MAXIMUM LOAN AMOUNTS LTV/CLTV

    No Doc Loan Property Type

    Non Owner Occupied



  • Missouri Title borrowers will share in $5M settlement #, #missouri #title #loans, #erich #vieth, #arbitration #requirements, #missouri #supreme #court, #loan, #law, #civil #law, #borrower


    #

    Missouri Title borrowers will share in $5M settlement

    Borrowers would get more than $5 million under a new settlement in a lawsuit that challenged the behavior of a major title loan company and went to the U.S. Supreme Court three times.

    In the midst of the fight, the Missouri Supreme Court struck down as “unconscionable” a provision in loan agreements that prohibited class action lawsuits. Such provisions are common and controversial, and other courts have upheld them.

    The settlement with Missouri Title Loans of Springfield also includes $575,000 for the attorneys who brought the suit, including Erich Vieth and John Campbell of St. Louis. The deal is awaiting final approval in St. Louis Circuit Court.

    Title loan companies lend money secured by the title on the borrower’s car. The loans are generally made for short periods of time at high interest rates. If borrowers can’t pay by the deadline, they often renew the loan by paying another large interest charge.

    According to the suit, filed in 2007, Beverly Brewer borrowed $2,215 at an interest rate of $537 per month from a Missouri Title office on St. Charles Rock Road. After two payments, totaling $1,147, she found that the original loan amount hadn’t fallen at all.

    Another borrower, Althea Peete, was supporting herself and a teenager on $724 per month. At a south St. Louis office, Missouri Title lent her $608. After paying “mandatory fees,” she left the office with only $500, the suit alleged, but owed the $794 the following month.

    Missouri law on title loans says that the principal amount must be reduced by 10 percent with each renewal. Lenders must also assess the borrower’s ability to repay and give certain notices, including the right to cancel the loan within a day of taking it out. The lawsuit charged that Missouri Title did none of that. Title lenders often structure the loans under a separate “small loan” law with lesser consumer protections.

    The major court battle, however, centered on provisions in the loan agreement saying that disputes must be settled in arbitration, not in court, and forbidding “class action” arbitrations.

    The Missouri Supreme Court threw out that provision, opening the courtroom doors. The court reasoned that no lawyer would take a case involving such a small loan and that without class actions, borrowers would have no way to seek redress.

    In a class action, lawyers argue that a few plaintiffs can bring a suit representing thousands of people in the same situation. That multiplies both the risk for the company being sued and the potential payout for the plaintiffs’ attorneys.

    Missouri Title appealed the decision to the U.S. Supreme Court. At first, the U.S. Supreme Court ordered the Missouri court to reconsider its decision in light of a high court decision that favored arbitration requirements.

    The Missouri court reaffirmed its own decision, and the federal high court twice declined to intervene.

    Vieth doubted whether the Missouri court’s ruling on class action arbitrations can automatically apply to other loan companies, because it centered on the language of the Missouri Title loans.

    Martin Green, attorney for Missouri Title, said more than 5,000 borrowers would receive refunds totaling more than $5 million.

    People who defaulted on loans at least three years old will find all finance charges forgiven. The company will forgive 25 percent of finance charges on defaulted loans less than three years old, and one-third of one month’s charge on loans that are current. Borrowers who have repaid their loans will get a free month’s interest on a new loan.



    Online Legal Research, Westlaw, Legal Solutions, payday loans austin.#Payday #loans #austin


    #

    Thomson Reuters Westlaw

    The world’s most preferred online legal research service

    Thomson Reuters Westlaw

    Thomson Reuters Westlaw is the industry’s most preferred online legal research service year after year. With Westlaw, you can find the legal information you are looking for quickly and confidently so you can build the strongest argument possible. You need to know you are relying on accurate law – because your practice depends on it.

    Only on Westlaw can you:

    • Know your research is complete with access to the most comprehensive collection of legal information
    • Deliver better results confidently with WestSearch, the only search engine designed specifically for the law
    • Rely on the most current version of the law with proprietary editorial enhancements
    • Access your legal research from anywhere with the free, award-winning Westlaw app

    Payday loans austin

    Get the right answer faster

    Payday loans austin

    We continually invest in our content and technology. The latest: a fresh, easy way to find and use Secondary Sources on Westlaw.

    Did you know…Westlaw is the most preferred online legal research service?

    Payday loans austin

    Why Westlaw?

    • Payday loans austin

    Know your legal

    research is complete

  • Payday loans austin

  • Payday loans austin

    Rely on industry-leading

  • Payday loans austin

    Gain a competitive

    Westlaw helps to make sure you don’t miss anything by serving up the most on-point documents. With access to the largest collection of legal information, backed by our rigorous editorial process, you can access legal resources such as:

    • Cases
    • Statutes and regulations
    • Secondary sources
    • Practice areas
    • News
    • Briefs
    • Trial court documents
    • Public records
    • Expert materials
    • And much more

    Our team of bar-admitted attorney editors are tracking changes in the law every day so you can trust that the law you get is accurate and up to date.

    Westlaw leverages a long-standing history of proprietary analysis of the law and exclusive tools like Key Numbers and KeyCite, as well as headnotes, notes of decisions, indexes, and secondary sources.

    Couple our editorial excellence with WestSearch, the world’s most advanced legal search engine, and you quickly get the documents most relevant to your search query.

    The introduction of WestSearch, the only search engine designed specifically for the practice of law, was a significant leap in the application of Natural Language processing, machine learning, and information retrieval. WestSearch was a milestone event in advancement of legal technology, but we didn’t stop there.

    Year after year, Westlaw is voted Best Online Legal Research Service by industry professionals. In fact, Westlaw has been named the most preferred online legal research service for 13 years running, as recognized by the ABA.

    Payday loans austin Payday loans austin

    Experience Westlaw for yourself

    Work smarter, more efficiently, and with total confidence in your results.

    Payday loans austin

    WATCH: Introduction to Westlaw (9:44)

    Payday loans austin

    When you’ve got a research tool like Westlaw, there is no reason not to be complete and thorough in your research.

    Go mobile with Westlaw

    Access your legal research online anytime without losing Westlaw features and functionality with free Westlaw apps, including our award-winning iPad® app and new iPhone® app.

    Payday loans austin

    Best Legal Research App

    Featured insights

    Payday loans austin

    Payday loans austin

    Tools to build a winning

    Payday loans austin

    How to prepare to write a

    Free trial

    A free trial of Westlaw is available to most practicing attorneys. Please submit your business information below. Thank you!



  • Car Title Loans Orange County – Auto Title Loans, Pink Slip Loans, Same Day Cash Title Loan #loans #for #pink #slips


    #

    How much would you like to borrow?

    Car Title Loans

    Locations:

    Westminster
    15182 Goldenwest Street, Suite 101
    Westminster, CA 92683
    Directions

    Lake Forest
    23591 El Toro Road
    Lake Forest, CA 92630
    Directions

    Bad credit? Past Bankruptcy? No problem. What is important is the value of your car or truck and your ability to repay your loan. That is the concept behind our Car Title Loans here at Title Loans Orange County. In about 30 minutes you can borrow the money you need based on the value of your car or truck, NOT ON YOUR CREDIT SCORE, and you get to keep your vehicle to drive! Sound simple? It is. So if you are searching for a car title loans near me, or car title loans Costa Mesa, you have come to the right place. Searching for car title loans near me ? Apply online for a quick cash pink slip auto equity loan.

    A car title loans will allow you to drive away with cash today and still keep your vehicle! If your vehicle is paid off or almost paid off, you may be eligible for a car title loan. By using your vehicle as collateral, you can borrow from $2,510 in cash quickly. Best of all, you keep the vehicle!

    When you have an urgent need for cash, get a Pink Slip Loan (also called a car title loans or auto title loans ). You can borrow $2,510 or more in less than an hour using your car as collateral. The maximum loan amount varies depending on the age of the car, make and model, mileage and condition, and current resale values. We were one of the original pioneers of the car title loans product in California and have developed a business model process that can quickly and easily get you funded on the spot quicker than almost all of our friendly competitors like 800loanmart or Trading financial. We fund your car loan on the spot unlike other competitors who have to mail you a check.

    Not sure if you qualify for a car title loans. Call us at (949) 566-8170 and we ll answer all of your questions. Or, check out our Frequently Asked Questions for more information.

    The process is easy. Just fill out an application and bring the necessary paperwork and in no time at all, you can drive away with thousands!

    Looking for Title Loans? Call us first at 949-566-8170

    If you are looking for a quick and easy, no hassle title loans store in Orange County call Title Loans Orange County today. You can borrow $1,000 s on your car or truck in less than 1 hour. We pioneered the title loan product here in southern California over a decade ago so we are experts in this field. So if you have been searching for a bad credit loan, auto equity loans, car collateral loans or even personal loans, we can help. Since 1999, we have been helping Orange County consumers borrow immediate cash on their car or auto. Our auto loans range from $2600 to $25,000. The title loan is based primarily on the value of the vehicle. Some of our customers call for cash and ask for a title max. This usually means they are looking for the maximum cash loan amount on their title loans. We also offer title loans online right here through our website application. Just apply now and we can get your car loan processed fast and easy.

    We have two convenient title loan stores in Orange County to serve you. Our main title loan office is located at 15182 Goldenwest Street in Westminster. We also have a second store location at 23591 El Toro Road in Lake Forest, CA. Our car loans are set up as a 2-4 year installment loan where you make monthly payments you can afford where it is fully amortized. This means that after all payments are made, the loan is completely paid off. And, since there is no pre-payment penalty, you can pay the loan off at any time with no additional cost. Get your next title loans from Title Loans Orange County, just call 949-566-8170 today.

    Car Title Loan Amounts

    Auto Equity ( Title Loans ) in Orange County

    Our title loans product is perfect for those people who have an immediate need for cash but do not have weeks to wait to get a traditional auto loan approved. Our title loans take only 1 hour to process and fund and you do not need perfect credit to get approved. We helped pioneer car title loans over a decade ago in Southern California. We know that customers are looking for quick, no hassle, respectable service and that is what we specialize in. If you have an immediate need for $2600 or more in cash, getting a loan against the title of your vehicle might be your best option. Call Title Loans Orange County today and we will give you an immediate quote on how much you can borrow and if your car qualifies. Call 949-566-8170 today.

    The equity in your car or truck is a valuable asset and you can use it to quickly and easily borrow against that value. While banks and other institutions are tightening their credit standards, we are not. We are eager to satisfy your cash needs and make you a loan you can afford.

    Long Beach Car Title Loans Can Help Solve a Financial Dilemma

    • An Emergency Medical bill
    • Divorce
    • Unexpected death or sickness of a member of the family
    • Business Expansion

    Our Long Beach title loans are much different than a traditional title loan in that they are fully amortized loans. This means that after you make the last installment loan payment, your loan is completely paid off. Traditional title loans are for 30 days or less and the loan is then due entirely. Our loans also have no pre-payment penalty which means that you can pay off the loan at any time with no additional cost or fee. We even offer an online title loans option for those who want to apply online. And, our auto title loans have much higher dollar amounts than typical personal loans in California. Whereas our loans are based primarily on the value of your car, personal loans are unsecured and typically require much higher credit scores.

    So if you are searching for title loans, or title loans in Orange County, or title loans in Costa Mesa, or even car title loans in Long Beach, California. call your friends here at 949-566-8170.

    Orange County is a county that is located in Southern California. Santa Ana is its county seat. The population of Orange County is about 3,010,759 which makes it second most populous county in all of California and the sixth most populous county in the entire US. Orange County has become famous for its tourism as home to worldwide attractions like DisneyLand.

    Our Gold Program

    Title Loans Orange County wants to help you get the loan you need for the amount you want, and as quickly as possible. As a result, we have created the Gold Program* to not only help streamline the loan process, but also help us provide the most competitive APR rates, as low as 35.99% APR, to those that qualify. If you want to see if you qualify, simply fill out the form above or give us a call to begin speaking with a loan representative immediately.

    Qualifying Gold Program Customers will receive the following:

    • APR. Preferred rates with APR’s as low as 35.99%*
    • Repayment Period. Minimum of 24 months to a maximum of 48 months.
    • Streamlined verification process for FAST funding
    • Borrow from $5,500 up to $50,000*

    We’ve been working with California residents since 1999 and will find a finance solution that best fits your needs. The application process is simple.

    Call Now: (949) 566-8170

    Loans Made Pursuant to Department of Corporations CA Finance Lender License.

    * The Gold Program is subject to specific underwriting criteria and the ability to repay the loan. To qualify, customers must have a FICO score of 600 or greater. Principal amounts are $5,500 or based on state minimums. Other restrictions do apply and not applications may be approved.



    Cash Advance #cash #advance, #cash #advance #loans, #payday #cash #advance, #fast #cash #advance #payday #loan, #online #cash #advance


    #

    Cash Advance Payday Loans Online – Apply now!

    Cash advance loans from $100 to $1,000 deposited on the next banking day in your bank or credit union account. All you have to do it meet our easy qualifications. Apply now for funds in your bank account after midnight.

    Apply for $100 to $1,000

    Cash electronically deposited in your personal account on the next banking day.

    You are PRE-APPROVED for up to $1,000 if you meet this easy qualification checklist:
    You must have steady recurring income or you must be currently employed
    You must have a bank or credit unionchecking or savings account .
    You must be at least 18 years old
    You must have a gross income of at least $800 per month.
    I am not a resident of New York. Loans not available in this state.

    Apply Now !
    Other requirements may apply.

    Need a payday loan. Short on cash? Need cash for a vacation? How about a car repair? No matter what you want to use your loan for, Pacific Advance can make it happen. We approve regardless of credit history. If late payments and unexpected bills have set you back financially, Pacific Advance can help.

    We specialize in helping people pay their bills on time without any expensive fees or hassles. We also offer the quickest services found on the Internet!

    It only takes a minute to apply. Once you’re approved we can deposit the money directly into your account on the next banking day. There’s no obligation to see if you qualify.

    Just think, with a cash advance loan from Pacific Advance you can pay off your bills and avoid those nasty late charges.

    Not to mention, by paying your bills on time you’ll spare your credit history from getting hit with negative points.
    There’s no reason to suffer in between pay periods. Apply now. It’s fast and easy.

    A cash advance customer care rep oversee the funding of your loan. Fast and easy as 1-2-3!

    Short term loans provide the needed cash to meet immediate short-term cash flow problems.

    They are not a solution for longer term financial problems for which other kinds of financing (such as credit cards, an overdraft loan or a loan from friends or family) may be more appropriate and affordable.

    You may want to discuss your financial situation with a non profit credit counseling service available to consumers experiencing financial problems in your community.

    Traditional lenders check your credit report, your credit score, and your debt analysis to make credit and loan decisions about you. Find out what’s on your report.
    Free Credit Report Online



    Title Loans – Registration Loans – Car Title Pawn #title #loans, #registration #loans, #phoenix, #chandler, #gilbert, #avondale, #glendale, #mesa, #arizona, #title #loan, #registration #loan


    #

    Car Title Loans and Registration Loans – Certified Arizona Provider

    GETTING A TITLE LOAN

    When getting a title loan at 1 Stop, we will walk you through the process step by step. Before coming to one of our locations. we highly recommend you call and speak to one of our trained loan officers to write down what the requirements are in order to make the process go more smoothly. Once you have written down the requirements of what you will need to bring in and you have those documents, come in, fill out an application and bring your vehicle and requested documents and we will be working to get you approved for the dollar amount you requested.

    After all the paperwork is approved, we will advise you of your loan amount and you can choose your payment schedule in easy installment loan payments. This will help you to pay off your loan in a reasonable amount of time. The process of getting a loan with 1 Stop title loans is quick and easy and you should feel confident when calling our locations that your questions will be answered. We will work hard to get your loan approved and have you walking out with cash in hand in 30 minutes or less.

    GETTING A REGISTRATION LOAN

    Getting a registration loan is simple. You will have to have a traditional and active checking account and proof of employment is a requirement. Your vehicle does not have to be paid off and you don’t have to have a clear title. We will need to know your length of employment along with your income amount in order to start working on an approval for you.

    Registration loan maximum loan amounts are $1,500 and are paid back in installment payments not to exceed 24 months.

    A registration loan is a great way to get the financial help you need when you do not have a free and clear title. Registration loans are becoming the new way to get quick cash because so many people do not own their cars and are making payments. No other loan product on the market can get you the cash you need in 30 minutes or less than a 1 Stop Title and Registration Loan.

    Disclosures for Short-term Loans

    Short Term APR

    The Annual Percentage Rate (APR) will be based on the amount of the loan and in accordance with the Arizona Revised Statutes. In most cases the APR will be in the 120%-204% range and while it may lower, it will never be higher This equates to a Monthly Percentage Rate (MPR) of 10%-17%. Our loans are only intended to meet short-term financial needs and lower, long-term interest rates may be available to you. Customer notice: By submitting an application I acknowledge that 1 Stop Money Centers, LLC may not act as the direct lender but rather as a broker for the loan.

    Non-payment implications

    Non-payment implications: 1Stop enters contractual short term loan agreements with their customers. Financial implications: A late fee of 5% or $10.00 (whichever is less) is assessed to loans that are past due ten (10) days. Collection Practices: it is 1Stop Title Loans objective to provide a loan that works within your financial needs. If for some unforeseen reason you are not able to make you payment, 1Stop will work with you to get back in good standings. We also work within the guidelines of the FDCPA. Potential Credit Score Impact: 1Stop Title Loans does not currently report non-payment to the three credit agencies. However, if we are not able to get the loan repaid, and we file a suit in civil court and a judgment is obtained, this will become part of your credit history. Renewal Policy Information: Short term loans are automatically renewed if not paid in full on the loan due date.

    Loan Payment

    1 Stop Money Centers, LLC offers loans designed specifically to help consumers pay their loan off at their own pace. The payment schedule you choose allows you to pay off your loan within the time frame you have chosen while allowing you the flexibility to satisfy the loan at any time with no prepayment penalty. 1 Stop always recommends paying a larger amount than scheduled, no matter how little, whenever possible. Because any extra payment made will reduce the principal amount owed, you may save hundreds of dollars over the life of the loan.

    Our State Accreditation

    We are accredited business in the state of Arizona, please visit Arizona Title Loan Association Members website to see us listed

    Contact us

    1Stop Money Centers has 13 Locations all over Arizona. Our Main office located at 1501 N. 16th Street, Phoenix, AZ 85006, Phone: (602) 253-6002. Please visit our Location page for specific addresses and phones.

    Differences between Title and Registration Loans W

    With so many loan products on the market you may be asking yourself which loan best fits your needs, a title loan or a registration loan. The biggest difference between these two loan products is that with an auto title loan you will need to show a clear vehicle title and with a registration loan. your vehicle does not need to be completely paid off, you just need to be making payments and be in good standing with your lender and have good registration at the time of the loan.

    Also, registration loans have a maximum loan amount of $1,500 while auto title loans don’t necessarily have a maximum dollar amount attached to them. With a title loan having proof of income is not a requirement as it is with a registration loan. so although you may not have a job or proof of income because you are self-employed, chances are you can still walk out of one of our twelve valley locations with cash in hand in less than 30 minutes or less. With a Title Loan. terms can go up to 48 months because they can be larger dollar amounts than registration loans which have a maximum term length of 24 months. Basically if your car is paid off you will have to do an auto title loan and if you’re making payments you will have to apply for a registration loan. Both products interest rates are the same.

    What is a Title Loan

    A 1Stop Auto Title Loan is the best way to tap in to your vehicles equity. At 1Stop Auto Title Loans we set the bar high for the competition. At 1Stop Auto Title Loans we don’t give you a check we give you CASH on the spot and that’s why we’re leaders in the industry. Simply bring in a clear vehicle title. proof of residency and income and you will be walking away with cash in hand!* At1Stop Title Loans, we understand your financial burdens or emergency situations and are here to help you get ahead. We offer discounted rates to homeowners and do not require credit checks to approve your car title loan .

    When you need immediate cash and want the best rates with the best customer service in the industry think 1Stop Title Loans. we’re eager to help you get the cash you need. Don’t forget to look up our reviews on Google to help you choose us, we have the highest rated reviews in the industry for a reason, we care. Payment options are interest only or installment loan, so you have the option to choose how long you need to keep your loan out. With 1Stop Title Loans proof of income is not always required*, but helpful when requiring higher than normal dollar amounts. You will be happy with a loan from 1Stop Auto Title Loans .

    What is a registration loan

    A registration loan is a great way to acquire a loan even if you’re still making payments on your car. There is no other loan product on the market quite like a 1Stop Registration Loan. You don’t need to have a free and clear title, simply bring in your vehicle registration along with some other* banking requirements and walk away with cash. 1Stop Title Loans is one of a handful of companies in town that offer this loan service and our customers keep coming back. Our customers love the ease of application as well as the fact they receive cash in hand. In most cases you are in and out in less than 30 minutes.

    You can call our internet department, or find us online, with any questions about registration loans and they will be happy to answer them for you and find the nearest location in Arizona to serve you. Your loan can be anywhere between 1 month to 24 months to pay off, you choose what works for you. A registration loan from 1Stop Title Loans has helped many people who’s vehicle is not paid off and their credit isn’t great but have a good history of employment and are in good standing with their traditional checking account. When you’re in a bind call 1Stop Title Loans and get the service you deserve.



    The Business Council of New York State, Inc #new #york #state #small #business #loans


    #

    About

    Membership

    Members

    Advocacy

    Insurance

    Events

    Resources

    Contact Us

    Your Voice, Our Voice, One Voice.

    From The News Center

    We promised this year s historic workers comp reforms would provide significant relief to state businesses, and already those promises are being kept, said Heather C. Briccetti, Esq. president and CEO of The Business Council of New York State, Inc. The 4.5 percent rate decrease in loss cost assessments submitted by NYCIRB for approval to the Department of Financial Service translates into nearly half a billion dollars in lower comp costs for state employers

    New Yorkers for Affordable Energy supports Natural Gas as a catalyst for job growth- launch new website, www.affordableenergyny.com .

    Events

    June 27 – 28, 2017

    2017 Renewable Energy Conference

    Marist College, Poughkeepsie

    Labor/Human Resource Webinar

    2017 Legislative Update.

    July 12 – 13, 2017

    Washington, DC FLY-IN

    Rayburn House Office Building, Washington

    Tenth Annual Business Council Member Golf Classic

    Cooperstown, NY

    Spotlight

    The Business Council of New York State is the primary advocacy group for business in New York.

    “Our members, New York’s business leaders, are the heart of The Business Council. They continue to lead the way on public advocacy for business, just as our founding members did a century ago,” said Heather C. Briccetti, Esq. president and CEO of The Business Council.

    The Business Council originated on March 27, 1914 in Buffalo, N.Y. when a group of western New York manufacturers convened to draft a constitution for an association which would advocate and create a voice for business. Today, The Business Council’s membership consists of roughly 2,400 leading businesses, chambers of commerce and professional and trade associations from Long Island to Buffalo. The Business Council carries on the mission of the founding organizations to create economic growth, good jobs and strong communities across New York State.

    Members of The Business Council have access to exclusive products and services, including The Human Resource Hotline, The Business Council Insurance Fund and Made In New York.

    Our Sponsors

    Quick Links

    Members

    The Business Council



    Instant Cash #title #loans #in #greenville #sc


    #

    Instant Cash specializes in helping customers with credit issues by loaning them money on their vehicles, while they keep their vehicle! We have had some of the lowest interest rates of any title loan company in the Anderson SC, Greenville SC, and Spartanburg SC areas. Give us a call at 864-760-1940 anytime!

    Getting a title loan in Anderson SC is as easy as 1 – 2 – 3! Just follow the steps below and we can give you a check in 30 minutes or less to help out with life’s unexpected expenses.

    Easy As 1 – 2 – 3

    Apply

    Just fill out the information in the quick apply form, and after your application is submitted you’ll be approved in minutes (pending documentation being presented in our office).

    Documents

    Make sure and bring the following into the office with you when you sign.
    – Valid ID
    – Drivers License
    – Title To Vehicle
    -Proof of Income
    -Proof of Address

    Success

    After you’ve applied, and have your documents ready, come in to see us and pick up a check for your title loan today! THAT’S IT! It’s really that easy to get a title loan on your vehicle in less than half an hour. If you have any questions feel free to call, or just stop by and see us!

    Why Choose a Title Loan with us?

    For Quick, Easy Financing, Instant Cash Title Loans is the way to go for fast money! Instant Cash Title Loans is a locally owned title lender that knows your economic circumstances. We treat you like a real person and realize that the best relationships start with trust, and it’s not something that you have to earn! Instant Cash Title Loans promises to do our best to offer the most money and the lowest payments in Upstate South Carolina, Western North Carolina, and Northeast Georgia. Instant Approval at our location and low monthly payment plans make a title loan with Instant Cash a practical solution for almost anyone! In Anderson, Greenville, and Spartanburg, South Carolina, we can help with all of your fast cash needs. We can help loan you the money you need for all kinds of financial needs, such as getting car repairs fast, helping with those unexpected expenses like the high power bill or medical prescriptions, and we even help with instant vacation money! We can even buy out your existing title loan contract with another title loan company to get a fresh start. In many cases, we can even loan more money, but we guarantee a better rate than your current title loan!

    Our main goal is to help you solve your financial needs quickly and easily. We have a group of customer service professionals in Anderson and Spartanburg SC, ready to help you make this process as fast and easy as possible! Whether you have good credit, no credit, bad credit, or are even in a bankruptcy, we assist consumers like you on a daily basis by offering them Instant Title Loans on your car, truck, or SUV title. Don’t resort to using those payday loan companies in Greenville, Spartanburg, and Anderson when our instant title loan is so easy!

    The process is so simple, all you need is a Car, Truck, or SUV, a valid government ID, the South Carolina, North Carolina, or Georgia title, proof of income and a spare key! It’s that easy. Just give us a call in Anderson SC! 864- 760-1940!

    And of course, you get to keep the car and we’ll give you the title back instantly when you fulfill your title loan!

    We make repayment of your loan easy too! We can accept your payments by phone and mail, but we still love it in when you just want to come talk to us in person!

    Don’t wait for a banks, corporate finance companies, or even other title lenders to approve your loan. They may take days, or even a few hours, but we can have your Instant Title Loan approved in just a few minutes! Our loan approvals are done on site, and we do not check credit to get the loan, or report it so you can remain confidential. This makes for a fast and easy title loan. With a Title Loan in Anderson SC from Instant Cash Title Loans, you won’t have to wait to handle life’s important expenses.

    We can start the Auto Title Loan Process in a few different ways! Start online by sending us your information, give us a call, or stop in today in Anderson or Spartanburg SC!

    Most importantly, we want your business!



    Short Term Loans with no Prepayment Penalties #debt #consolidation #loans, #debt #consolidation #loan, #home #improvement #loans, #home #improvement #loan, #small #business #loans,small #business #loan, #special #occasion #loans, #special #occasion #loan, #military #loans, #military #loan, #green #loans #and #auto #loans, #green #loan, #auto #loan, #vehicle #loans, #vehicle #loan, #short #term #loans, #short #term #loan, #baby #& #adoption #loans, #baby #& #adoption #loan, #engagement #ring #financing, #healthcare #loans, #healthcare #loan, #low #apr, #motorcycle #loans, #motorcycle #loan, #funeral #loans, #funeral #loan, #funeral #finance, #healthcare #finance, #adoption #finance, #home #improvement #finance


    #

    Get Short-Term Loans With No Prepayment Penalties

    Sometimes a short-term loan is exactly what you need—a loan you can pay back in three years or five years. A longer-term loan won’t work when you’re looking for a relatively small loan amount, no prepayment penalties, and a quick and easy application process. And, of course, you want all of this at a good rate.

    Loans through Prosper are ideal short-term loans for many reasons. There are never any prepayment penalties at Prosper, which means the loans can be paid off as quickly as you’re able. You create your entire listing online, any time of day. And the loan rates are competitive.

    A Pro-Consumer Short-Term Loan Online

    In the competitive world of finance, a person needs to be careful to choose a loan with the best terms. In recent years, payday loans and title loans have become wildly popular, offering convenient short-term loans to the public. There’s just one problem—they’re usually offered at insanely high rates, gouging the borrower who might not even realize how much they’re ultimately paying for their loan.

    A loan through Prosper is not a payday loan; it’s an unsecured personal loan, available at a competitive rate. Rates depend on a borrower’s credit history and other information.

    Loan proceeds are sent to your bank account when the loan is granted, and loan payments can be automatically withdrawn each month. Prosper makes it easy and convenient to pay off your loan in a timeframe that meets your needs.

    Create a Listing for a Short-Term Loan Today

    So don t delay — get the loan you need and make your dreams a reality. Create your listing in just minutes..

    Does my credit score affect my loan?

    Yes. If you are sure you have bad credit, you may want to consider improving it before you apply. If you are not sure if you d qualify, we can help you find out now. for free, with no obligation.

    Choose the right fit for your business

    *For example, a three year $10,000 loan with a rate of 5.99% APR would have 36 scheduled monthly payments of $302. A five year $10,000 loan with a rate of 9.68% APR would have 60 scheduled monthly payments of $201. Annual percentage rates (APRs) through Prosper range from 5.99% APR (AA) to 36.00% APR (HR) for first-time borrowers, with the lowest rates for the most creditworthy borrowers. Eligibility is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All loans made by WebBank, member FDIC.

    Prosper and WebBank take your privacy seriously. Please see Prosper’s Privacy Policy and WebBank’s Privacy Policy for more details.

    Notes offered by Prospectus. Notes investors receive are dependent for payment on unsecured loans made to individual borrowers. Not FDIC-insured; investments may lose value; no Prosper or bank guarantee. Prosper does not verify all information provided by borrowers in listings. Investors should review the prospectus before investing.

    All personal loans are made by WebBank, member FDIC. Loans are unsecured, fully amortized personal loans.

    Notes are not guaranteed or FDIC insured, and investors may lose some or all of the principal invested. Investors should carefully consider these and other risks and uncertainties before investing. This and other information can be found in the prospectus. Investors should consult their financial advisor if they have any questions or need additional information.

    Prosper Funding LLC. | 221 Main Street, Suite 300 | San Francisco, CA 94105

    **All personal loans are made by WebBank, member FDIC. All Prosper personal loans are unsecured, fully amortized personal loans.

    Notes offered by Prospectus. Notes investors receive are dependent for payment on personal loans to borrowers. Not FDIC-insured; Investments may lose value; No Prosper or bank guarantee. Prosper does not verify all information provided by borrowers in listings. Investors should review the prospectus before investing.

    *Seasoned Return calculations represent historical performance data for the Borrower Payment Dependent Notes (”Notes”) issued and sold by Prosper since July 15, 2009. To be included in the calculations, Notes must be associated with a borrower loan originated more than 10 months ago; this calculation uses loans originated through May 31, 2012. Our research shows that Prosper Note returns historically have shown increased stability after they’ve reached ten months of age. For that reason, we provide “Seasoned Returns”, defined as the Return for Notes aged 10 months or more.

    To calculate the Return, all payments received on borrower loans, net of principal repayment, credit losses, and servicing costs for such loans, are aggregated and then divided by the average daily amount of aggregate outstanding principal. To annualize this cumulative return, it is divided by the dollar-weighted average age of the loans in days and then multiplied by 365.

    All calculations were made as of September 30th, 2013. Seasoned Return is not necessarily indicative of the future performance on any Notes.



    Reverse Mortgage Lending Requirements Now Stricter with HUD Criteria – AARP #bulletin #today, #money #talk, #borrowers, #default, #equity, #homeowner, #homes, #housing, #insurance, #lending, #loans, #property #taxes, #reverse #mortgage


    #

    Reverse Mortgages Now Harder to Get

    If you’ve thought about taking out a reverse mortgage, be aware that new rules that recently kicked in might make it harder for you to qualify.

    The U.S. Department of Housing and Urban Development tightened lending criteria late last month. The changes require that lenders determine whether would-be borrowers have enough income to keep up with property taxes and homeowners insurance so they don’t default on the loan and, possibly, lose their home. HUD’s Federal Housing Administration insures most reverse mortgages.

    Reverse mortgages are for homeowners 62 and older who have a significant amount of equity built up in their house. They can borrow against that equity — taking the cash in a lump sum, as a monthly income stream or a line of credit they can tap when needed. The money doesn’t have to be repaid until the owner moves, sells the house or dies.

    Get the latest tips on protecting your money and saving for retirement — AARP Money newsletter »

    Borrowers must continue to pay property taxes and homeowners insurance, however. And for some, that’s been a problem. In 2012, about 1 in 10 outstanding loans were in technical default because borrowers couldn’t keep up with those bills, says Lori Trawinski. director of banking and finance at the AARP Public Policy Institute.

    The new lending standards are designed to reduce defaults. Lenders will be required to look at credit reports, assets, income and the borrower’s history of paying taxes and homeowners insurance.

    “It will be more difficult for people who are struggling with income flow to meet the criteria,” Trawinski says.

    Even so, she adds, a borrower could still qualify for a loan by having the lender set aside a portion of the loan proceeds to cover taxes and insurance. The amount to be set aside would be based partly on the borrower’s life expectancy.

    Younger borrowers living in high-tax states will have to determine whether a set-aside makes a reverse mortgage worthwhile or if they would be better off financially with other alternatives, such as selling their house.

    Get discounts on insurance and banking services with your AARP Member Advantages. »

    “We think reverse mortgages can be a useful tool for some people,” Trawinski says. “That s where it becomes difficult. Everybody is in a different financial circumstance.”

    See the AARP home page for deals, savings tips, trivia and more.

    Leaving AARP.org Website

    Leaving AARP.org Website



    Class Action #class #action,lawsuit #loans,settlement #funding,litigation #finance,class #action #lawsuit #funding,class #action #settlement #funding


    #

    Class Action

    Class Action Lawsuit Funding

    Class Action Litigation Finance

    Are you a plaintiff in a class action lawsuit and need settlement funding to help your financial situation? If the answer is yes, USA Lawsuit Loans is the solution you’ve been looking for. USA Lawsuit Loans provides plaintiffs and attorneys with low interest class action lawsuit loans and fast class action lawsuit funding. Our class action settlement financing services are not based on your personal credit or work history but rather on the strengths and merits of your lawsuit. Most importantly, our lawsuit cash advances for class action lawsuits are non-recourse, this means you only repay your class action lawsuit loan if you win or settle case, and otherwise the money is simply yours to keep. You may receive your lawsuit cash advance within 24 hours after you have applied. The road to financial freedom starts here, so get your settlement loan by contacting USA Lawsuit Loans today at 866-840-4498 or by filling out our quick class action lawsuit funding online application .

    Class Action Settlement Funding

    Class Action Lawsuit Loans

    In legislation, a class lawsuit. a class action. as well as a representative action is a type of lawsuit whereby a large number of individuals together bring a claim to court and/or where a class of defendants are sued. Class actions lawsuits are commonly known as “class action suits”. But yet the phrase “class action lawsuit” is redundant as the customary difference between suits at law and action in justness are not recognized anymore. These types of collective lawsuits were established in the US which happens to be nonetheless predominantly a US paradox. In spite of this, in a number of European nations with civil law, in contrast to the Anglo-American prevalent law system, have integrate adjustments in recent years that permit individual organizations to deliver claims with respect to significant groups of individuals. In conclusion a class action lawsuit is a suit formed on behalf of numerous similarly situated individuals who have been harmed in a similar fashion by the exact entity.

    USA Lawsuit Loans is a lawsuit funding company that provides low interest lawsuit cash advances for plaintiffs of class action lawsuit throughout the United States. If you believed you have been wronged by a corporation via negligence of a company, manufacturer, or investment firm and are involved in the litigation process, a litigation loan from USA Lawsuit Loans may be of great value to help you sustain your financial obligations. There’s no set limit on how money you may borrow and we no restrictions on how you spend your class action lawsuit loan.

    Why is class action lawsuit funding from USA Lawsuit Loans your best choice?

    • We’ve provided funding for some of the biggest class action lawsuits cases in the country
    • We guarantee the best rates
    • We offer non-recourse lawsuit funding. repay only if you win or settle your case
    • We work quickly to approve your lawsuit funds
    • Working funds to pay costly litigation
    • Money for purchasing a new vehicle
    • Money for your dream home

    Legal Funding For Class Action Lawsuit

    Class Action Litigation Financing

    Class action law firms fight challenging lawsuits for their clients on a federal as well as a state level. Class action attorneys may initiate legal procedures many years away in advance of a possible settlement. Many companies will pay millions of dollars out of pocket in preparation expenditures and litigation. Class action lawsuits are the lengthiest particular lawsuits reference to timeframe in the process to acquire a settlement in the over-all legal sector. Such class action law firms that represent not simply one person but a significant group of people and/or businesses are at frequently unwilling to even consider a low ball settlement offers. The plaintiffs which have been unfavorably afflicted perhaps physically as well as economically ought to think of lawsuit settlement funding in an effort to overcome financial problems. Once you apply for a lawsuit cash advance, the money may be available in 48 hours or less, USA Lawsuit Loans is fast to approve your class action settlement funding .

    Here are some class action lawsuits examples:

    • Renters and homeowners impacted by a toxic spill in their community.
    • Consumers who acquired the similar faulty merchandise or were injured by unfair profession practices made by a company.
    • Employees confronted with routine or unbiased behavior due to religious beliefs, age, and gender discrimination by their employer.
    • Patients giving prescriptions without disclosing, harmful side-effects.
    • Consumers and merchants who buy goods at inflated prices as a result of the anti-competitive actions of large companies.
    • Investors that might be victimized by scams with regards to the selling or buying of stocks along with securities.

    Apply for Class Action Litigation Funding

    Best Rates for Class Action Lawsuit Funding

    If you are involved in a Class Action lawsuit and need legal financing to assist you with the high cost of litigation or to a help you keep your business up float, USA Lawsuit Loans is your answer. We provide legal funding at any stage of your Class Action lawsuit. USA Lawsuit Loans offers the lowest rates in the class action lawsuit financing industry and we work fast to approve your lawsuit loan request. Upon receiving the supporting documents for your Class Action lawsuit we can have you approved for Class Action funding in as little as 48 hours. Receive the lawsuit cash advance you need today by completing our fast and easy litigation funding online application or by calling USA Lawsuit Loans at 1-866-840-4498. We look forward to becoming your legal funding solution for your lawsuit funding and litigation financing needs. USA Lawsuit Loans is your one stop for all of your Class Action funding needs. We are ready to compete for your business and offer you the best rates for Class Action lawsuit funding .

    Our Lawsuit Funding Types

    Your Litigation Funding Options

    USA Lawsuit Loans is a highly respected lawsuit funding company that cares about the their clients and hopes to provide financial stability for people going through the extensive court processes associated in a lawsuit. USA Lawsuit Loans in addition provides litigation funding for: Pre Settlement Funding, Post Settlement Funding, Structured Settlement Funding, Commercial Lawsuit Funding, and Law Firm Funding .

    Class Action Settlement loans by States

    Class Action Lawsuit Funding in Your State



    Florida Foreclosure Statutes of Limitations #florida #lawsuit #loans


    #

    Florida Foreclosure Statutes of Limitations

    Florida law sets deadlines by which creditors, including mortgage holders, must file suit to collect their debts and foreclose on property. If a mortgage lender misses the deadline, it may never be able to enforce the debt. If you have not been able to make your mortgage payments and your mortgage lender or holder has not filed a foreclosure action as quickly as you expected, you should find out how much time it has to bring a foreclosure lawsuit.

    What Are Statutes of Limitations?

    The laws that set deadlines for lawsuits to be filed are called statutes of limitations. Different deadlines are set for different types of lawsuits. And statutes of limitations vary by state.

    If a creditor files a lawsuit against you after the time period has run, you can defend the suit by asserting the statute of limitations. The expiration of the statute of limitations is an affirmative defense to a lawsuit. This means that even if you admit that you owe the money that the creditor is suing to collect, if the statute has expired, you can prevent a judgment from being entered against you by responding and claiming that the suit is barred by the statute of limitations.

    Florida Mortgage Foreclosures Deficiency Judgments

    In Florida, a mortgage holder can only foreclose on real estate by bringing a lawsuit. (In some other states, mortgage lenders can bring nonjudicial foreclosures — which means they don’t have to sue in court.) (Learn the difference between judicial and nonjudicial foreclosure .)

    When the mortgage holder obtains a judgment of foreclosure, your mortgaged property is sold by the court at a foreclosure sale. If the sale does not bring in enough money to pay the entire amount of judgment, the mortgage holder can ask the court to enter a deficiency judgment against you for the difference between the foreclosure judgment amount and the value of the property. Sometimes this is done as part of the foreclosure lawsuit, but not always. Under Florida law, a mortgage holder can also obtain a deficiency judgment by filing a separate lawsuit against you. (For more information, see Summary of Florida’s Foreclosure Laws .)

    The Time Limitation for Foreclosure in Florida

    It is easy to look up how much time the statute of limitations gives a mortgage holder to foreclose in Florida (five years), but it gets tricky when you try to figure out when that time period starts and ends.

    Five year deadline. Mortgage holders have five years to bring a lawsuit for foreclosure in Florida.

    The time period begins to run from the date of default. Generally, it runs continuously but if you take action that prevents the mortgage holder from filing a foreclosure action, such as filing for bankruptcy, the time period may be tolled (suspended) or extended until the mortgage holder can legally take action again.

    What Is the Date of Default?

    Default is defined in your mortgage loan documents. Usually, it is defined as failing to make your payments when they come due or to bring them current within a certain grace period. But if you have missed several payments, which is the default date? The answer is that they probably all are. Each time you miss a mortgage payment, you are likely defaulting on your obligation under the note and mortgage.

    When Does the Time Begin to Run?

    Unless you have cured any of the defaults by making the payment due for that period, the mortgage holder can generally bring a foreclosure action based on any of the default dates. The only requirement is that the foreclosure suit must be filed within five years from the date the mortgage holder is using as the default date. Each time you miss a payment, a different time period begins to run. The mortgage holder can generally act on any of them.

    This means that ultimately, your mortgage holder has five years from the date the final payment is due to bring a foreclosure action in Florida.

    A Different Starting Point for Deficiency Judgments

    In Florida, the statute of limitations for deficiency judgments resulting from foreclosures on or after July 1, 2013, is one year. The time period does not begin to run until the day after the court clerk issues a certificate of title to the buyer in the foreclosure sale. This is because your mortgage holder does not become entitled to a deficiency judgment in connection with a foreclosure until a judgment has been entered and your property has been sold for less than what was owed. If the foreclosure sale occurred before July 1, 2013, the statute is the earlier of five years or July 1, 2014.

    Talk to a Foreclosure attorney.



    Unconventional business loans #unconventional #business #loans


    #

    Unconventional Mortgages and Loans

    A Wealth of Information and Resource

    We are a progressive network of mortgage brokers, wholesale lenders, correspondent lenders, lender representatives, banks, credit unions, Investors, private money lenders, lending institutions and loan officers that have more to offer than Fannie Mae, Freddie Mac, Government, conforming and Agency loan programs. We offer alternative real estate financing, conventional to unconventional and most everything in between. We are about home loan options and lender resources. Worthy borrowers deserve to purchase or refinance their home. We are about exceptional service, diligence and results.

    Home Finance Options:

    We will pre qualify your loan scenario before checking your credit report. We have access to additional lending resources, unconventional loan programs as well as niche loan programs. We offer Non-Agency real estate loans. Non Prime loans, Non QM loans, Subprime loans, non conventional home loans, Alt-A loans, Private Equity loans, Hard Money loans, Private Money loans and Small Business Loans. These are cutting-edge, industry leading lenders and loan programs.

    We handle A-paper fallout. We feel that our innovative and noteworthy product knowledge and superior amount of resource speaks to the quality of service we provide as well as the relationships we have cultivated. We understand that every consumer can be different and make it our goal to match you with the lender that meets your requirements at the best possible rate, terms and conditions. We look for compensating factors within your credit profile to achieve favorable results.

    Real Estate Finance Information:

    Alternative lending; Mortgage loan programs; guidelines; matrices; credit score requirements, max percentage of financing, maximum loan amounts, property types, occupancies, seasoning requirements, liquid reserve requirements, underwriting notes and so forth. After we acquire a new loan program, we post it to this website, select directories and social media websites to inform the consumer market let the people know what is currently available in the marketplace in an ever evolving industry. We do update our information as needed.

    We are a Solutions-Based Service Provider and an Information Resource

    Since 2001, we have provided a noteworthy insight into the mortgage broker industry. We understand that it can sometimes be difficult for a consumer to find the right lending options to fit their individual needs. Not everyone is going to fit in the same box.

    We are an information resource like no other. Our unprecedented and unique business model provides an uncommon approach to the mortgage lending industry with our remarkable style of transparency to the uncommon information we provide into the niche broker world of mortgages. We share unique individual loan program guidelines and highlights for some of the most progressive and leading edge lenders.

    It is our first priority to make the process of a mortgage loan as simple and quick as possible. We understand that it can sometimes be frustrating for a worthy borrower to find the right mortgage loan to fit their needs. We understand that each consumer can be different and far more than just a credit score; whether it is very high, which is often the case or very low, there are many factors when it comes to qualifying for a mortgage. We feel that the amount of product and resource we have and have worked very hard for is synonymous with the level of service that we provide, day in, day out, file in, file closed. It is our objective to match you, the consumer to the lender that can meet your needs at the best possible rate, term and conditions. We work very hard and you do too. You deserve to work with us and we deserve to work with you. We have a common goal; this is business at its finest. When you contact us, more times than not, we’ll know if we can potentially help you or not. This comes from many years of experience. We have experts in every area of residential and commercial finance.

    We can take pride in being an authority in this space within the financial community. In the spirit of competition, our overall objective is to inform the consumer and create transparency. Broker Mortgages Blog

    Unconventional mortgages. Private equity loans, private money, Non-Prime Lenders, Alt Doc loans. Non QM, non-conforming, ALTQM Loans, Asset Depletion loans. alternative-equity-financing, Investor loans, and various income documentation options. Bank Statement Loans. equity based lending, Asset Based lending, liquid asset based lending, security based mortgages, self employed home loans, subprime loans, stated income home loans. home equity loans, foreclosure loans, business bank statement loans, investment property loans. jumbo loans. super jumbo loans. all programs.



    Secured vs #unsecured #loans, #secured #loans, #secured #line #of #credit, #unsecured #line #of #credit


    #

    Secured vs. Unsecured Loans

    If you’re considering applying for a loan or line of credit to help with a major purchase, you have a choice between secured and unsecured lending options. Secured loans and lines of credit are secured against your assets, resulting in higher borrowing amount and lower interest rates. Unsecured loans allow for faster approvals since collateral is not required.

    When to consider unsecured loans and lines of credit

    The main advantage of an unsecured loan is faster approvals and less paperwork. Unsecured loans are generally harder to obtain because a better credit score is required, since your loan would not be secured by any assets or collateral.

    While unsecured loans might be obtained more quickly, it’s important to remember you’ll likely pay a higher interest rate. The four most common reasons why clients choose unsecured loans are for buying a car, home renovations, medical bills and education costs, and debt consolidation.

    • Car loans take less time to process than a secured loan, and interest rates are very competitive
    • Taking out an unsecured personal loan for home renovation projects is ideal, because you can access funds quickly to complete projects with predictable costs
    • For ongoing expenses such as paying tuition or covering the cost of medical bills, you may be interested in an unsecured personal line of credit
    • If you have outstanding debts, consolidating them with a personal loan can help. With interest rates that are lower than credit cards, this solution can help you manage your monthly payments.

    When to consider secured loans and lines of credit

    The primary advantage of a secured loan or line of credit is that you can generally gain access to more money, because you’re backed by the security of your assets.

    Since secured lending products require collateral, the approval process can be longer as the collateral must be processed and verified. This initial due diligence can be worth the extra effort since you’ll benefit from lower interest rates. Large home renovations and debt consolidation are two instances in which you may elect to use a secured loan or line of credit.

    Unlike smaller renovations, you may want to go through the process of obtaining a secured lending product when you’re looking at more extensive changes to your home. A secured line of credit would give you access to a larger credit limit with a lower interest rate, that you could access on an ongoing basis for large projects.

    If you have outstanding debts, a personal loan secured by your current assets (like property or a line of credit) can help you consolidate debts into one loan. With lower interest rates than most credit cards, a personal loan can help you manage your monthly payments. A secured line of credit also offers convenient access to low-interest funds to help consolidate and pay down existing debts.

    Apply for a loan or line of credit with CIBC

    No matter what your borrowing needs are, CIBC has secured and unsecured loans and lines of credit that can help you meet your financial obligations. You can apply for a loan or line of credit online, or speak with a CIBC advisor at 1-866-525-8622 if you have questions, or would like to learn more about possible lending options.



    How Title 1 FHA Home Improvement Loans Work #title #loans #in #phoenix #arizona


    #

    How Title 1 FHA Home Improvement Loans Work

    The Federal Housing Administration (FHA), in conjunction with the Department of Housing and Urban Development (HUD), provides Title I FHAhome improvement loans to homeowners needing alterations, repairs or structural improvements. The FHA makes it easier for homeowners to obtain loans by guaranteeing the money lent out. If a homeowner defaults on paying back money owed, the FHA takes responsibility and pays off the debt. By working with lenders, the FHA makes funding available for borrowers who meet eligibility requirements. The funding allows homeowners to make their residence livable and safe. People who utilize the home improvement loans are those with credit issues, first-time home buyers and investors.

    Eligibility

    To qualify for the FHA Home Improvement Loan, a borrower must own the property, be leasing the property or be purchasing the property needing the improvements. Common repairs and/or renovations range from repairing the roof and fixing heating and cooling to repairing structural damages to the property. General repairs such as repainting walls and replacing cabinets or changes such as adding additional rooms would not qualify for the Title I loan. The homeowner of a single-family residence can qualify for up to $25,000 over 20 years for improvements. Homeowners in multifamily residences can qualify for up to $12,000 per unit over 20 years for improvements.

    Approval Process

    To participate in the program, applicants must complete an application with an approved lender. The FHA provides a complete list of approved lenders on its website. If the applicant is applying with a lender that is not on the approved list, the lender should recommend a lending institution that works with the Title I program. Title I loans have a higher interest rate than traditional loans. Some lenders may offer reduced interest rates as a way for residents to work on improving a community. Borrowers are qualified based on eligibility requirements and creditworthiness. In addition, the FHA charges the borrower a fee for the cost of insurance. If an applicant is approved, funds will be given directly to the borrower or to the company selected by the borrower to make the improvements.

    Selecting a Company

    Once a borrower has been approved for the loan, he or she should research and select a reputable company to do the repairs. He or she can check out the reputation of a company by contacting the Better Business Bureau or the local Chamber of Commerce. The Better Business Bureau can provide information to let a consumer know if any complaints have been filed against a company about its business practices or work. It is important for the borrower to know that neither the FHA nor the lender can be held accountable or held liable for work that is not completed correctly.

    Repayment

    The home improvement loan functions just as a traditional loan. The borrower has repayment terms that are outlined in the loan agreement. As previously mentioned, if a borrower defaults on the loan, the FHA will take responsibility in paying off the debt to the lender. Just as with all FHA loans, the home improvement loan does not have any penalties for prepayment or paying off the loan early.

    More Articles

    CHECK MORTGAGE RATES



    Regional Water Quality Control Board – San Diego #state #water #resources #control #board, #swrcb, #state #water #board, #california #water #board, #california, #state, #state, #state #water #board, #water #board, #environmental #protection, #water #protetion, #water #regulations, #water #pollution, #water #pollution #control, #runoff, #polluted #runoff, #pollution, #water #quality, #water #rights, #water #monitoring, #water #education, #water #resources, #storm #water, #stormwater, #nonpoint #source, #watersheds, #rivers, #lakes, #streams, #creeks, #bays, #lagoons, #estuaries, #wetlands, #swamps, #underground #storage #tanks, #water #reclamation, #water #recycling, #sanitary #sewers, #water #quality, #water #rights, #groundwater, #ground #water, #surface #water, #water #bodies, #delta, #delta, #wastewater, #waste #water, #wastewater #treatment, #gis, #fas, #porter #cologne #water #quality #control #act, #clean #water #act, #california #water #code, #beach #closures, #impaired #water #bodies, #water #quality #cerfification, #total #maximum #daily #loads, #tmdl’s, #waste #discharges, #watersheds, #effluent, #water #effluent, #effluent #standards, #npdes, #mtbe, #water #transfer, #sewage, #spills, #sewage #spill, #sludge, #biosolids, #state #revolving #fund, #proposition #13, #proposition #13, #water #bonds, #water #loans, #water #grants, #water #permits, #waste #discharge #requirements


    San Diego Region – Storm Water

    QUICK LINKS

    The Storm Water Management Unit’s main focus is in implementing permitting, compliance, and other activities to reduce pollutants in municipal, construction, and industrial storm water runoff. The Unit also provides important assistance in dispersing state grant funds to worthy projects that support activities for the reduction and prevention of storm water pollution. The Unit also regulates storm water runoff from Caltrans and Small MS4 systems (Phase II) through Statewide Permits issued by State Water Board. Both the industrial and construction storm water program have Statewide Permits and the Unit implements them through a combination of inspections, enforcement, and outreach.

    THE SAN DIEGO REGIONAL MS4 PERMIT

    The California Regional Water Quality Control Board, San Diego Region (San Diego Water Board) regulates discharges from Phase I municipal separate storm sewer systems (MS4s) in the San Diego Region under the Regional MS4 Permit. The Regional MS4 Permit covers 39 municipal, county government, and special district entities (referred to jointly as Copermittees) located in San Diego County, southern Orange County, and southwestern Riverside County who own and operate large MS4s which discharge storm water (wet weather) runoff and non-storm water (dry weather) runoff to surface waters throughout the San Diego Region. The Regional MS4 Permit, Order No. R9-2013-0001. was adopted on May 8, 2013 and initially covered the San Diego County Copermittees. Order No. R9-2015-0001 was adopted on February 11, 2015. amending the Regional MS4 Permit to extend coverage to the Orange County Copermittees. Finally, Order No. R9-2015-0100 was adopted on November 18, 2015. amending the Regional MS4 Permit to extend coverage to the Riverside County Copermittees.

    NEW! – September 30, 2016, South Orange County (San Juan Hydrologic Unit) Water Quality Improvement Plan Draft Priority Conditions, Goals, Strategies and Schedules

    REGIONAL MS4 PERMIT

    • Administrative Record Index (The index contains links to individual documents. To have access to the documents linked to the index, please open with Internet Explorer.)

    WATER QUALITY IMPROVEMENT PLANS

    HISTORICAL REGIONAL MS4 PERMIT DEVELOPMENT

    WATER QUALITY EQUIVALENCE GUIDANCE

    Pursuant to Provision E.3.c.(3) of Order No. R9-2013-0001, as amended by Order Nos. R9-2015-0001and R9-2015-0100, each Copermittee may be allowed to implement an Alternative Compliance Program within its jurisdiction which would allow Priority Development Projects to implement all or part of the structural storm water pollutant control and/or hydromodification management BMPs offsite instead of fully onsite. Pursuant to Provision E.3.c.(3)(a), the San Diego Water Board’s Executive Officer must accept Water Quality Equivalency calculations before an Alternative Compliance Program may be implemented by a Copermittee within its jurisdiction. A final Water Quality Equivalency Guidance Document has been accepted by the Executive Officer, available below:

    PHASE II MUNICIPAL STORM WATER PERMIT

    CALTRANS STORM WATER PERMIT

    CONSTRUCTION STORM WATER PERMIT

    INDUSTRIAL STORM WATER PERMIT

    SMARTS DATABASE



    Community Bank #community #bank, #banking, #bank, #loans, #deposits, #savings, #financial #services, #online #banking


    #

    Personal Checking

    Community Choice Checking

    Community Bank knows that you need your money to work harder, that’s why we redesigned Premier Checking and gave it a new name, Community Choice Checking. Community Choice Checking is a high yield account that pays a 1.25% APY* on balances up to $25,000 and money market rates for balances over this amount provided monthly qualifiers are met.

    • 1.25% APY if requirements are met up to $25,000.00
    • 0.25% APY if requirements are met on the portion of the balances over $25,000.00
    • 0.05% APY if requirements are not met

    Other features of this account include:

    • $50 minimum deposit to open the account
    • No minimum balance to obtain APY (Annual Percentage Yield)
    • No monthly maintenance fee
    • A refund of your Worldwide ATM fees (max refund of $25 per month) if qualifiers are met
    • Unlimited transactions
    • 24/7 account information via telephone banking or internet banking

    To receive the 1.25% APY and a refund of your worldwide ATM fees (max refund of $25), the following monthly qualifiers must be met:

    • Have at least 1 direct deposit or 1 direct debit into the account
    • Have at least 1 bill payment transaction originated from Community Bank Internet Banking Bill Pay, posted to your account. The bill pay transaction must be posted to your account at least one business day prior to the last business day of the statement cycle. A bill pay generated from a process other than Community Bank Internet Banking Bill Pay does not qualify.
    • Have at least 15 MasterCard Debit Card Point of Sale (POS) purchase transactions posted to your account. These can be a combination of signature based or PIN based purchase transactions. These transactions must be settled and posted by Community Bank by the last business processing day of the statement cycle. Pending, memo posted and presentment transactions are not settled items and are not counted towards your 15 transactions.
    • Receive your Community Choice Checking monthly statement electronically
    *Available for personal accounts only. If requirements are met,1.25% APY on balances up to $25,000, 0.25% APY on the portion of the balances over $25,000 and a refund of ATM fees up to a maximum of $25 per cycle. If requirements are not met: 0.05% APY on the entire balance and fees for using non Community Bank ATMs will not be refunded. A $50 minimum deposit is required to open the account. *APY = Annual Percentage Yield. APY is accurate as of September 1, 2016, is subject to change, and may be withdrawn at any time.

    Basic Checking

    Community Bank’s Basic Checking Account is a non-interest bearing account that offers you:

    • No monthly maintenance fees
    • No minimum balance requirement
    • No monthly item fees
    • Unlimited check writing privileges
    • Check truncation and check safekeeping
    • A monthly statement
    • 24/7 account information via telephone banking or internet banking
    • There is a minimum deposit requirement of $50.00 to open this account.

    Interest Checking

    Community Bank’s Interest Checking Account is an interest-bearing checking account that provides:Unlimited check writing privileges

    • Check truncation and check safekeeping
    • A monthly statement
    • 24/7 account information via telephone banking or internet banking
    • There is a minimum deposit of $1,500.00 to open this account and obtain the APY (Annual Percentage Yield)
    • The rate may change after the account is opened.
    • Fees could reduce earnings on the account.
    • A $10.00 service fee will be imposed every statement cycle, if at any time in the statement cycle the balance falls below $1,500.00

    Club Checking

    To celebrate Community Bank’s 100th Anniversary in 2001, the “Century Club” now we simply call it the “Club Checking” was developed to provide special privileges to customers who maintain a minimum of $25,000 in deposits and/or loans.

    These privileges include:

    • Interest Checking with
    • Unlimited transactions
    • No minimum balance to receive interest
    • A free supply of checks distinguishing you as a Club member
    • Premium interest rate earnings on a Club Savings Account
    • Higher rates of interest on special Certificates of Deposit
    • Free cashiers’ checks
    • Free notary services
    • Free safe deposit box (where available)
    • Check truncation and check safekeeping
    • A monthly statement
    • 24/7 account information via telephone banking or internet banking
    • There is a minimum deposit of $50.00 to open this account
    • The rate may change after the account is opened.
    • Fees could reduce earnings on the account.
    • A $15.00 service fee will be imposed every statement cycle, if at any time in the statement cycle the combined balances fall below $25,000.00


    Rush Autos #used #cars #calgary #ab, #pre-owned #autos #canmore, #bad #credit #car #loans #banff, #subprime #credit #car #loans #calgary #ab, #in #house #auto #financing #calgary #ab, #used #car #dealer #canmore, #guaranteed #credit #approval #calgary, #used #suv #loans #banff, #used #truck #loans, #used #van #loans, #used #car #dealer #t2a #2n6, #rent #to #own #cars #calgary, #bad #credit #car #dealership #canmore, #quality #auto #sales #calgary, #cheap #rate #car #loans, #no #credit #check #car #loans, #affordable #financing #calgary


    #


    Are you looking for a Used Car in Calgary AB but have damaged credit? If so, don’t worry we can help you. Everyone is approved at RushAutos.com in Calgary AB.

    Phone: (403)204-8282
    106 Meridian Road NE
    Calgary, AB T2A 2N6

    Rush Auto Sales originaldate 1/1/0001 6:00:00 AM width 900 height 322 originaldate 1/1/0001 6:00:00 AM width 900 height 322 originaldate 1/1/0001 6:00:00 AM width 900 height 322 originaldate 1/1/0001 6:00:00 AM width 900 height 322 originaldate 1/1/0001 6:00:00 AM width 900 height 322 originaldate 1/1/0001 6:00:00 AM width 900 height 322 originaldate 1/1/0001 6:00:00 AM width 900 height 322 originaldate 1/1/0001 6:00:00 AM width 900 height 322 originaldate 1/1/0001 6:00:00 AM width 900 h

    This page has been visited 258,424 times since June 09th, 2014

    Rush Autos | Bad Credit Car Loans Calgary Alberta has been visited 19,862,332 total times.



    V a loans #v #a #loans


    #

    Student loan options can be overwhelming at first glance. But when it comes to federal student loans, there are just a few options.

    The first step in getting one of the federal student loans listed below is to fill out the Free Application for Federal Student Aid, or FAFSA. While the FAFSA does determine eligibility for need-based aid, it also acts as an application for student loan options, both for need-based and non-need-based loans. It supplies students who need financial aid with that help as well as provides financing options for those students that would like to borrow with low-interest federal loans but don’t necessarily qualify for need-based aid.

    Subsidized Stafford Loan

    The subsidized Stafford Loan is available to students who qualify for need as determined by the FAFSA. Students must be a U.S. citizen or eligible non-citizen as well as have a high school diploma or GED. Like most federal student loans, interest does not accrue while the student is in school. If students qualify for a subsidized Stafford Loan, it will be stated on their award letter notification along with the amount for which they can borrow.

    The Perkins Loan is another federal loan option that is for needy students. Again, students must be a U.S. citizen or eligible non-citizen as well as hold a high school diploma or GED. Again, interest does not accrue with the Perkins Loan, and students will find out whether or not they qualify as well as for how much when they receive their award letters from colleges.

    Unsubsidized Stafford Loan

    Finally, the unsubsidized Stafford Loan is a little different from the other federal loans. For both the subsidized Stafford and Perkins Loans, students must qualify for need as determined by the FAFSA. However, the unsubsidized Stafford Loan is available to any student, regardless of need. Also, unlike the other federal loans, interest accrues while the student is attending school. Again, if students want to apply for the unsubsidized Stafford Loan, they must complete the FAFSA.

    Students can also qualify for a federal student loan consolidation after graduating from college or graduate school.



    Six key pieces of the approved Flint water lawsuit settlement #loans #on #lawsuit #settlement


    #

    Six key pieces of the approved Flint water lawsuit settlement

    Judge approves settlement of Flint water crisis civil lawsuit

    U.S. District Judge David M. Lawson on Tuesday, March 28, approved a settlement agreement in a civil lawsuit filed the Concerned Pastors for Social Action and others against the state of Michigan, City of Flint and others over the Flint water crisis.

    The settlement guarantees replacement of 18,000 lead and galvanized service lines in Flint but not the door-to-door water deliveries that had been sought while that work is done.

    The agreement was approved by the Flint City Council last week and the Flint Receivership Transition Advisory Board on Monday, March 27.

    Erin Kirkland | The Flint Journal file photo

    Service line replacements

    The settlement legally binds Flint and Michigan to carry out some of the plans the city and state have committed to previously.

    The settlement requires the state to allocate $87 million to pay for the replacement of lead and galvanized water service lines — at least $47 million of which must come from sources other than those approved by Congress and President Barack Obama last year.

    It also requires that the state set aside an additional $10 million in reserves from federal funds to pay the cost of service line replacements in the event that the work costs more than expected.

    Households with an active water account qualify for service line replacement.

    The city and the state are required to ensure that at each household where a service line is replaced, residents are instructed to use filtered water for at least 6 months following the replacement.

    Flint Journal file photo

    New water monitoring requirements

    Water monitoring requirements are included in the settlement deal, including a commitment from the state to test water in homes before and after service line replacements and the appointment of a third-party monitor to test the water in a minimum of 100 homes for at least three years.

    The state must create its own program called Confirming Lead Elimination with Service Line Replacements to carry out the sampling in 100 homes before and after service line replacement.

    The third-party monitor must be agreed to by plaintiffs and defendants in the water lawsuit. The 100 sites sampled by the monitor for three years will be separate from the routine testing done to maintain compliance with the federal Lead and Copper Rule.

    MLive.com file photo

    Changes ahead for bottled water distribution

    The settlement requires the state to continue to operate at least nine community water resources sites at their current hours of operation and to make filters, filter cartridges, bottled water and water testing kits available to residents free of charge.

    But beginning May 1, 2017, the state may close up to three distribution points. If more than three resource sites have an average number of daily water pickups of less than 20, the state may close only the three sites with the lowest average pick-up numbers.

    From June until July, the state may close up to two additional points of distribution.

    If the 90th percentile lead level of water tested from January until July is below the federal action level of 15 parts per billion, the state may close the remaining water distribution points but must maintain at least two until Sept. 1.

    The state is not required to deliver water door-to-door as the lawsuit initially sought under some circumstances but residents may request water delivery by calling 211.

    Even the 211 water deliveries can be discontinued by the state of lead if the 90th percentile lead level of water tested from January until July is below the federal action level of 15 ppb.

    Danny Miller | The Flint Journal file photo

    Commitment to CORE program

    The agreement calls for the state to maintain and expand the Community Outreach and Resident Education program for filter education, installation and maintenance.

    “State parties shall ensure that CORE teams are dispersed throughout Flint for eight hours per day, Monday through Saturday” and “will make a good-faith effort to maintain 160 education specialists, including 16 coordinators” as part of the CORE staff.

    Before any permanent decrease in CORE staff, the state must provide written notice at least 30 days in advance.

    The state will provide $100,000 to fund efforts to publicize the CORE program.

    Mac Snyder | The Flint Journal file photo



    Merchant Cash Advance, Loans Against Card Swipes and Receivables #merchant #cash #advance #companies, #merchant #advance #capital, #merchant #credit #card #advance #loans, #merchant #cash #advance #providers, #merchant #cash #advance #company, #merchant #cash #advance #lenders, #cash #advance #for #merchants


    #

    Merchant Cash Advance

    Whether you’re a restaurateur or a retail store owner, raising capital for your business is much easier now more than ever before. Businesses today are actively using card payment devices to offer a convenient shopping experience to their customers. Point-of-sale machines not only offer the merits of cashless transactions; they can become instruments for availing working capital finance. Merchants like you can deploy the funds received to execute operations and achieve short-term business growth.

    If a part of your revenue is from debit and credit card swipes, then Capital Float’s ‘Merchant Cash Advance’ is a quick and hassle-free loan option to fund your business needs. This tailor-made financial product is ideal for merchants with consistent card settlements and short-term investment requirements.

    We have partnered with multiple point-of-sale (POS) card machine vendors such as Pine Labs, Mswipe, ICICI Merchant Services, MRL Posnet, Bijlipay, etc. Our partnerships with these vendors help merchants like you access customized working capital solutions.

    Features

    Get Credit Ranging From ₹1 Lakh – ₹1 Crore

    To ensure that you’re never short of funds, Merchant Cash Advance allows you to access quick finance up to Rs. 1 crore, depending on your monthly card settlement.

    Loan Tenure of 9 to 12 months

    With our extremely flexible repayment terms, you can apply for a loan for a tenure of 6 months and up to a year.

    Loan Amount Up To 200% of Your Monthly Card Settlement

    With Merchant Cash Advance, you can receive funds up to 200% of your monthly sales from card payment machines. Therefore, the higher you earn from card swipes, the higher the loan offer is likely to be.

    Quick, Hassle-Free Online Application Procedure

    The entire procedure takes just 10 minutes of your time to fill out an application form and submit the requested documentation.

    72-Hour Disbursal

    Through our data-driven competencies, we render the loan decision within hours, and deliver funds to you within 3 days so that you waste no time in covering an unexpected business expense or capitalising on a lucrative business opportunity.

    Eligibility Criteria

    The eligibility criteria for Merchant Cash Advance is fairly simple and user-friendly. Just ensure that the following terms are met:

    • Your business must have minimum operational history of 1 year
    • Minimum turnover of ₹20,00,000
    • Minimum card acceptance vintage of 6 months
    • Minimum monthly card volume of ₹1,00,000
    • Minimum of six settlements per month

    How to apply

    • Click on ‘Apply Now’
    • Fill in the 10-minute form
    • Upload the requested documents
    • Receive the best working capital finance offer that is tailored to your business

    Documents Required

    Keep digital copies of the following handy at the time of application:

    • Documents pertaining to your current account for the last 12 months
    • VAT returns for the last six months prior to loan application
    • Card settlement statements for 3 months prior to loan application.
    • Yours and your promoter’s KYC documents

    Fees and Charges

    At Capital Float, we conduct business in the most transparent manner. This means, you’re only obligated to pay a processing fee of up to 2% for the loan. There are no hidden or pre-closure penalties during or after your application procedure.

    Delhi NCR: New Delhi | Ghaziabad | Faridabad | Noida | Gurgaon | Greater Noida | Bahadurgarh | Kundli

    Haryana and Punjab: Barnala | Chandigarh | Mohali | Derabassi | Zirakpur | Jalandhar | Ludhiana | Rajpura

    Himachal Pradesh: Panchkula | Baddi | Parvanoo | Nalagarh

    Rajasthan: Jaipur | Chomu | Bhakrota | Bagru | Jodhpur | Udaipur

    Uttar Pradesh: Agra | Lucknow

    Andhra Pradesh: Guntur | Rajahmundry | Vijayawada | Visakhapatnam

    Karnataka: Bengaluru | Hoskote | Belgaum | Bellary | Kolar | Narasapura | Mysore | Tumkur | Udupi

    Kerala: Cochin | Ernakulam

    Tamil Nadu: Chennai | Sriperumbudur | Coimbatore | Dharmapuri | Erode | Hosur | Kanyakumari | Madurai | Namakkal | Salem | Thiruvallur | Tiruchirappalli | Tirupati | Tiruppur | Vellore

    Telangana: Ghatkesar | Hyderabad | Secunderabad | Shadnagar

    West Bengal: Hoogly | Howrah | Kolkata | Serampore | North 24 Parganas

    Gujrat: Ahmedabad | Rajkot | Surat | Vadodara

    Madhya Pradesh: Bhopal | Dewas | Indore | Jabalpur | Pithampur

    Maharashtra: Mumbai | Thane | Navi Mumbai | Virar | Bhayandar | Kalyan | Ulhasnagar | Nagpur | Nasik | Pune

    Get a business loan in 3 days

    Capital Float is your go-to provider of business loans in India, designed for and delivering to the SME sector. Whether you are on the lookout for unsecured business loans or for short-term working capital finance. you have come to the right place. Our expertise revolves around creating flexible and short-term loan solutions for the specific needs of SMEs, be it purchasing inventory, servicing new orders, or optimising cash flows.

    Business Loans in India

    Our team of experts will help you ‘Break Limits’ as an SME, enabling you to achieve business growth rather than chase financing sources. We achieve this through our mission of bridging the current gap in the market with innovative and flexible credit products for SMEs, delivered in an efficient and customer-friendly manner.

    Why Choose Capital Float as Business Loan Provider

    We, at Capital Float, understand the world of SMEs’ their operating challenges, their financial constraints and their unique needs. We know how critical speed and flexibility of finance are to SMEs, and we believe that SMEs need not be restrained by restrictive financing policies and processes. Our business loan products are thus designed to help you build the right financial foundation to grow quickly and soundly in the short term. We strive to be partners in opportunity and growth creation for the SME segment.

    Our Financial Products

    We offer a range of short-term loans for small business, from business loans without security to business loans at short notice. Our key offerings include:

    • Short Term Finance . A collateral-free business loan with flexible repayment options.
    • Online Seller Finance . Quickly disbursed loans for e-commerce companies, designed for inventory or stock purchases.
    • Pay Later Finance . A rolling credit facility that can be used on an on-going basis to pay suppliers.
    • Merchant Cash Advance . Working capital finance availed through card machine swipes. SMEs can receive finance up to 200% of their monthly sales.
    • Supply Chain Finance . An unsecured business loan of up to 80% of the supplier bill value.
    • Taxi Loans . Loans designed for taxi owners with user-friendly features like low down payment and weekly EMIs.

    Benefits of Taking Business Loan from Capital Float

    Our fast, friendly, and affordable loan options can be availed of online through our website at the click of a button, anywhere, at any time! We disburse funds in less than 3 days without the hassle of elaborate documentation. The Apply-Upload-Approval-Disbursal process is smooth and easy. Users are required to fill in a 10-minute application form and digitally upload it along with the required documents.

    Our SME Blog

    Our blog provides a plethora of information and insight on trending topics related to business, financing and financial technology. The intent is to create an always-accessible and reliable knowledge repository that will help SMEs stay up to date in the Age of Information. You can find information about GST including, important definitions, tax slabs, the registration & payment processes, taxes subsumed and impact of GST on various industries, etc. on our GST blog .



    VA Loan Benefits for Surviving Spouses – Veteran Loan Center #va #loans #at #once


    #

    VA Loans and Spouses

    VA Loan Eligibility for Surviving Spouses

    Many surviving spouses of deceased veterans have used the Home Loan Guarantee Program to purchase property. The VA’s policy is that these surviving spouses are permitted to use their deceased spouse’s entitlement in the Home Loan Program. However, if the surviving spouse gets remarried they are no longer entitled to participate in the VA’s Home Loan Program. In the Veterans’ Millennium Health Care and Benefits Act this policy was revised to allow surviving spouses to use their deceased spouse’s entitlement even if they have remarried as long as they are no longer married.

    This means that for surviving spouses of deceased veterans:

    • You can use the Home Loan Program to purchase property if you have never remarried.
    • You can use the Home Loan Program to purchase property if you have been remarried and are now divorced from that marriage.
    • You can use the Home Loan Program to purchase property if you have been remarried and your marriage has ended due to the death of a spouse.

    Find answers to any other questions in the VA Loan FAQs .

    As long as the surviving spouse is not married at the time they apply for the Home Loan Program they may be eligible. The surviving spouse loses entitlement once they are remarried, but gets their entitlement restored once the new marriage is over and they are no longer legally married.

    If you are the surviving spouse of a deceased veteran who believes your entitlement in the Home Loan Program may be restored contact the Los Angeles eligibility Center at 1-888-487-1970 or the Winston-Salem Eligibility Center at 1-888-244-6711 for more information.

    If you are a surviving spouse of a deceased veteran and would like to see if you qualify for a VA loan, please fill out our short online form.

    Question Not Answered?

    Still haven’t found the answers you are looking for?

    Contact a Veteran Loan Center representative today to receive detailed answers to your specific question.

    Call us at (888)258-6879 or fill out the form above.



    VA Loan Calculators #motgage #loans


    #

    A VA approved lender; Mortgage Research Center, LLC – NMLS #1907. Not affiliated with any government agency. Not available in NV or NY.

    Mortgage calculators can help home buyers and homeowners understand how much they can afford to borrow, how much they can qualify to borrow, and what their mortgage payments might be.

    2017 REVISED VA LOAN LIMITS

    REFINANCE LOANS

    PURCHASE LOANS

    VA JUMBO LOANS

    MORTGAGE CALCULATORS

    VA LOAN REQUIREMENTS

    ABOUT VALOANS.COM

    Get a VA Home Loan quote today

    By clicking the “Get a quote” button, I acknowledge and agree to the privacy policy and terms and conditions ; I consent to transaction communications and to receive autodialed calls and/or text messages from Veterans United Home Loans or its affiliates at the number provided. Consent is not a condition of service.

    NMLS #1907 | Equal Housing Lender | VA Approved Lender; Not a government agency
    Not available in NV or NY

    VA Loan Calculators

    Be Smart When it Comes to Your Mortgage

    Use our VA loan calculator to determine the highest monthly payment and the maximum loan amount you can qualify for. We can help you understand how a lender looks at your ability to make payments.

    The amount you can qualify for and what you can actually afford are two different things. Make sure you can comfortably pay for the home you want to buy or refinance.

    Estimate your taxes and insurance so that these amounts will be included in the payment calculation. Enter amounts in the fields below and the mortgage calculator will give you your monthly mortgage payment amount.

    This is a private website that is not affiliated with the U.S. government, U.S. Armed Forces, or Department of Veteran Affairs. U.S. government agencies have not reviewed this information. This site is not connected with any government agency.

    We Get the Veteran Vote



    Personal Injury Lawyer Corpus Christi – Gutierrez Law Firm – Houston, Alice #corpus #christi #loans


    #

    Personal Injury Trial Lawyers

    For more than 30 years, injury victims have turned to the lawyers at The Gutierrez Law Firm in their time of need. With offices in Houston, Corpus Christi, Texas and Alice, Texas, we are available to serve accident victims and their families throughout South Texas. We have the experience to handle your case.

    Every year, millions of Americans are injured in accidents as the result of negligence. The physical injuries and emotional trauma of an accident are made even worse by the financial toll that often follows. Medical bills and lost income can quickly create an overwhelming situation.

    For more than 30 years, when accident victims have need a personal injury lawyer, they have turned to The Gutierrez Law Firm. Since it was founded by Baldemar F. Gutierrez, The Gutierrez Law Firm has focused on aggressively fighting for clients’ rights in the following types of claims:

    Motor Vehicle Accidents. This includes accidents involving any type of vehicle, such as cars, motorcycles, 18 wheelers, buses, and more.

    Work Accidents. Injuries can happen in any work environment, but some workplaces have much higher risks and greater hazards, including the oil and gas industry, industrial workplaces, maritime jobs, and construction sites. Our personal injury lawyers in Houston, Corpus Christi and Alice, Texas help injured workers to obtain fair and reasonable compensation when they have been hurt on the job.

    Personal Injury Accidents. There are many types of accidents that don’t fall under motor vehicle or work accident categories but are still caused by negligence of another person, a company, or a government entity. This can include everything from defective product injuries to slip and fall accidents at a grocery store.

    Wrongful Death. When someone is killed because of the negligence of another party, a wrongful death lawsuit can help loved ones deal with the financial burdens that come with a sudden and traumatic loss.

    If you’ve been injured because of someone else’s negligence, the responsible party should be held liable for the damages you’ve suffered. Depending on your situation, you may be entitled to compensation for medical expenses, lost wages, pain and suffering, and more.

    It is important to seek legal advice from an experienced attorney as soon as possible. With offices in Houston, Corpus Christi and Alice, Texas, the attorneys at The Gutierrez Law Firm are available to serve accident victims and their families throughout South Texas. Contact us today to schedule a free consultation and to get help fighting for your rights.



    Houston Title Loans – Texas Title Loans made easy #car #title #loans #houston #tx


    #

    Houston Title Loans

    Houston can be a wonderful city to live in. However, life in Houston can sometimes be stressful. In fact, the median income in Houston is lower than the state average, which means that it’s even harder to make ends meet in Houston than in other parts of the state. When you’re struggling with bills, title loans in Houston Tx can be a great way to pay off your emergency expenses and get back on with your life. While many people sometimes resort to selling their car when they have an emergency bill to pay, car title loans in Houston Tx offer a great alternative to this. Not only can title loans Houston help you get the money you need, you can even keep your car!
    The way that title loans in Houston Tx work is that you use your car as collateral against the loan. This gives you numerous advantages against loans without collateral, such as payday loans. For one, the interest rates are much lower. Second, you can get much larger amounts. While payday loans will rarely be for more than $1,000, title loans in Houston Tx can often reach or go beyond $10,000 for a single loan. This can be great if you need a large amount of money quickly for an emergency.
    Title loans in Houston Tx are also easy to qualify for. All you need is a bank account, to be a citizen of the US, have steady employment, be 18 years or older, and own a car. Other than that, anyone is able to take out a title loan in Houston Tx. There is no credit check at all for title loans Houston. This is great for two reasons. First off, it means that even with bad credit, you can get the help that you need. Here at texastitleloan.net we understand that sometimes people end up with bad credit when they know that they are trustworthy with a loan. The second reason is that a lack of a credit check means that, by taking out a title loan and paying it off in the agreed upon manner, you can actually help your credit score. As long as you know you can pay off the loan when you take it out, Houston title loans can actually improve your credit score!
    So if you need cash right now, and you own a car, title loans Houston might be right for you. Simply fill out our free online form and you could receive your cash within 24 to 48 hours! The loan is simple to pay back, and can even help your credit score for doing so. So what are you waiting for? Get your cash now!

    Why Get a Title Loan?

    Recent Posts

    Contact Us

    Disclosure:

    TexasTitleLoan.net is not a lender, we do not review your credit. This site is not a Loan Offer or Loan Solicitation. TexasTitleLoan.net is a matching service and does not reperesent or serve as an agent or correspondent for any of the lenders associated with this service. Lender selection and credit decisions are based on the information submitted and subject to lender’s approval. The use of our website or service is not obligatory. Service sbject to availability in your state and to change without notice.TexasTitleLoan.net transfers your information to lenders that are part of our matching service program. Approval or Loan Offer are not guaranteed.

    TexasTitleLoan.net Texas Title Loans made easy. | Copyright © 2017



    How to Buy Structured Settlements – Structured Settlement Guide #buying #structured #settlement,lump #sum #vs #structured #settlement,selling #structured #settlement,structured #settlement #drawbacks,structured #settlement #loans


    Buy Structured Settlements

    A structured settlement is an insurance agreement or financial contract that a claimant receives in lawsuits, instead of getting lump sum money. Settlements normally occur from legal claims, which endow the claimant with specific amount of cash during a fixed period of time. The defendant or payee can buy annuities with definite future payments to cover up the installments. Though there is a notional value to these installments, which can be established using the current value presented in annuity calculator – the precise value of a structured settlement investment can differ considerably based on numerous key factors. This article will inform you about how you can buy structured settlements the right way.

    How to Purchase Structured Settlements

    Buying structured settlement requires contacting a settlement broker to aid in locating sellers to discuss the deal. The NSSTA or National Structured Settlements Trade Association works with more than 600 licensed insurance companies, brokers, and other parties in the industry of supervising structured settlements. Every member of the NSSTA should comply with the code of ethics prior to approval of application. Contact this association so you can locate an independent lawyer who will gladly represent your best interest, both ethically and legally.

    As a structured settlement purchaser. it’s beneficial to ask your broker or attorney for quotes and breakdown of fees linked with settlements. The fees that come with these financial agreements can be high or low depending on the amount of settlement and the time invested. Litigation calls for higher rates, though not all amounts should be paid upfront. If the fee is high, ask if you can pay your broker in installments.

    Choose your preferred payment schedule. For the most part, structured settlements can work with almost any kind of payment schedule. Payments can range from every day up to once or twice every two years or more.

    Companies that buy structured settlements are familiar with their tax obligation, and as an independent purchaser, you should do the same. People who have structured insurance settlements benefit from having a structured payment deal rather than recompensing in one lump sum because of the tax policy. You must become aware of the tax guidelines published by the IRS on structured payment settlements.

    Learn about the structured settlement laws in your area or state. Many states allow structured payments, subject to court approval, provided that the settlement is for the best interest of the consumer.

    The Settlement Industry

    Due to the requirement of people to convert their scheduled payments into instant cash, a secondary market was created for these income streams. There are companies that deal particularly with structured settlement loans. giving out litigation funding to claimant during the pendency of the lawsuit. There are others that assist beneficiaries in transforming their structured payments into instant lump sum amount.

    People who have taken or still taking annuity payments are aware of the unsolicited recommendations and proposals from companies and individuals who would like to benefit from their mishandled finances. Thus, those who would like to purchase or sell should be aware of unscrupulous companies in the market.

    If you are considering purchasing structured settlements as investments, assess the reputation of the broker that you are dealing with. Don’t work with a company that may become bankrupt or insolvent right after you bought the structured settlement. It’s most advantageous to consult with a tax advisor or attorney prior to entering with any transactions. Get in touch with potential sellers via a structured settlement broker who will match and weigh differing offers and keeps comprehensive resources to equip you with transaction as well as legal guidance.

    Final Note

    There is no doubt that when you buy structured settlements you involve yourself in the lucrative business of investing in large monetary claims. The tax benefits and facility to be structured against market inflation can build a long-term income generating tool to broaden your investment portfolio. However, because of the serious legal restrictions on transfer and assignment of structured settlements, before purchasing one, you must explore the ramifications of seeking out legal advice.

    Buy Structured Settlements. 2.0 out of 5 based on 4 ratings

    All material is for informational purposes only and Qwoter is not responsible for any errors or omissions. The information is subject to change without notice and should
    not be construed as definitive investment advice or recommendations. Please consult your tax or legal advisor(s) for questions concerning your personal or financial situation.

    It’s Not Too Late! – You can still open your IRA today and receive taxable deductions for 2016. Learn How



    JCF Lending Group – Mobile Home Loans – Manufactured Home Financing – Mobile Home Refinancing #jcf #lending #group, #mobile #home #loans, #mobile #home #financing, #mobile #home #refinancing, #manufactured #home #loans, #home #financing, #refinancing, #mobile #home #loan, #manufactured #home #loan


    #

    MOBILE HOME LOANS FOR HOMES IN PARKS LEASED LAND

    JCF Lending Group provides mobile home loans, for both financing and refinancing. Founded in 1994 for the sole purpose of providing mobile home loans for consumers that live in or want to purchase a manufactured home. We have limited our business to customers who reside in mobile home parks or communities or on family, leased, rented or owned land. JCF offers mobile home financing and manufactured home refinancing to customers with good to excellent credit.

    Our specialty is a Chattel Mortgage , which refers to a mobile or manufactured home loan, where only the home will be financed. We can help with purchase or refinance, but only when the land is not invloved in the transaction.

    JCF is able to offer our manufactured home customers who wish to refinance their current loan some of the lowest mobile home loan rates in the nation. We also offer mobile home financing to qualified consumers who wish to purchase a mobile or manufactured home with as little as 5% down. Our qualified staff, with over 30 years of experience in the manufactured home industry will walk you through every step of the mobile home loan process.

    MOBILE HOME MORTGAGES WITH EXCEPTIONAL RATES TO REWARD YOUR GOOD CREDIT

    All of our manufactured and mobile home loan programs come with No Pre-Payment Penalties, No Application Fees, and manufactured home loan terms from 7 to 25 years. We are also proud to offer some of the lowest mobile home rates and fee combination available. JCF will provide you with a credit decision, usually within 24 hours of your mobile home loan application, whether it is a manufactured home purchase, or mobile home refinance. We will also offer you up to 8 different manufactured home loan scenarios to chose from.

    MOBILE HOME FINANCING WITH AS LITTLE AS 5% DOWN

    Need mobile home financing – Whether you are considering buying a used mobile home or buying a new manufactured Home, JCF Lending Group will find a mobile home mortgage that’s right for you. The type of mobile home financing loan received depends of several different factors, the year of the mobile home and current value is a strong factor, as is the credit of the applicant and the monthly Income. When you think of mobile home financing, think JCF.

    Once the mobile home financing loan is approved, the amount of the down payment determines the interest rate offered. As an example, a 10 or 20 percent down will offer a better rate than 5 Percent Down. Our terms vary from 7 years to 25 years, depending on the loan program you choose. The best manufactured home financing rate can normally be obtained in most cases with at a 10 year term. It is important to remember that the shorter the term. the less interest you will pay in the long run.

    MANUFACTURED HOME REFINANCING – LOWER RATE LOWER PAYMENT

    Need manufactured home refinancing – By adjusting your current Interest Rate and the number of remaining loan payments, many things can be accomplished. Savings can be great and long term savings even better. Reduced monthly payments and thousands of dollars of savings are a few of the possible benefits of mobile home refinancing or that low rate manufactured home loan.

    If the manufactured home is in good condition and there is a sufficient amount of equity in your home, additional options such as an equity cash-out and debt consolidation manufactured home mortgage can be an option. Our Staff will quickly ascertain whether manufactured home refinance will be beneficial. Our goal is to make sure each and every customer is offered the right mobile home finance option.

    Q:What Credit Score is Needed for a Manufactured Home Mortgage Loan?
    A: JCF Lending Group is an A paper loan provider and we require good to excellent credit. Currently, our minimum mortgage ccore for purchase financing is 660, for both purchase and a mortgage score of 680 for refinance. We will look at lesser scores on a case by case basis. In all situations, you must have a minimum of 4 years credit history.

    Free Mortgage Scores
    Getting Your Mortgage Scores
    will Not Harm Your Credit or Score

    Q: I Have Bad Credit. Can I use a Cosigner with JCF Lending Group?
    A: No. Every applicant must meet our credit criteria. We would caution potential consumers looking for this solution, as most upscale mobile home parks and leased lot communities will not grant approval for residency for consumers with a poor credit history. Normally, all occupants over the age of 18 that plan to live in a mobile home park or leased lot manufactured home community, must pass both a credit and criminal background check.

    Q: Does JCF Offer Land Manufactured Home Financing?
    A: No. JCF Lending Group is a manufactured home only loan provider. If there is land or acreage involved in your transaction, we are not the company for you. JCF is not licensed to finance land or the combination of land and manufactured home. We can only finance the home when it has not been deeded together with land. Most of our customers live in mobile home parks, manufactured home communities or rented/family land situations.

    Q: My Mobile Home is in a Park and/or on leased land, Can You Help?
    A: Yes. JCF specializes in this type of manufactured home financing and/or loans. In fact, this is what the name of our URL (www.chattelmortgage.net) means, a loan for a home not attached to property by way of deed or title. We offer the lowest rate fee combination Nationwide.

    Q: Does JCF Finance Brand New Homes coming from a Dealer?
    A: Yes, as long as the home is set-up and in livable condition prior to funding. We also limit dealer commission to a maximum of 25% of the dealers cost for the home. If the dealer needs funds prior to setting up the home, we cannot assist you.

    Q: Can I obtain 100% Financing for a Manufactured Home?
    A: No. We require a minimum 5% down payment on all purchase financing transactions. We should be clear that a 5% down payment will not be acceptable in all cases.

    Updated Policy: Consumers with multiple current mortgages and/or residences. to include vacation homes, will now be required to have a minimum down payment of 20% on all purchase transactions.



    Veteran affairs home loans #veteran #affairs #home #loans


    #

    Web Content View

    What do you want to do?

    VA can help you prepare for your next mission.

    Manage SGLI Insurance

    The SGLI Online Enrollment System allows Navy Service members with full-time SGLI coverage to change their life insurance coverage without a paper form or a trip to their personnel office!

    USPS is Hiring.

    Looking for a new career? Check out the United States Postal Service for job opportunities.

    Your VA Claim Exam.

    Are you scheduled for a VA Compensation amp; Pension Exam? Know what’s next.

    We want to hear from you!

    If you happen to receive one of our Voice of the Veteran surveys in the mail, please fill it out and let us know about your level of satisfaction with the benefits and services we provide.

    Attention Women Veterans!

    You served your country proudly. The Center for Women Veterans can help you with support you never knew was available.



    Working Capital Loans: The 8 Best Financing Options for Existing Businesses #existing #business #loans


    #

    Working Capital Loans: The 8 Best Financing Options for Existing Businesses

    6. Invoice Factoring

    Average Annual Interest Rate: 30-60%

    Invoice factoring allows small businesses to convert, for a fee, outstanding invoices into capital. Basically, instead of having to wait to collect on future invoices, invoice factoring allows a business to get working capital right away. Invoice factoring is a quick and flexible way to get a short-term line of credit and bridge cash flow gaps. You can use it to factor invoices that are due in 90 days or less.

    With traditional factoring, when the invoices come due, the invoice factoring service collects the payments directly from the invoiced business, subtracts its fees, and sends the remainder along to you. BlueVine. Fundbox. and NOWaccount are modern invoice factors that do things differently. They won’t contact your clients, so your clients will not know that you are factoring their invoices.

    With rates starting as low as a flat 2.5 % for a NET 30 invoice, invoice factoring may be worth considering for your small business.

    How to Qualify for Invoice Factoring

    To qualify, you must typically meet the following requirements:

    • Your customers must be businesses or government clients who pay their invoices promptly.
    • The invoices must be due in 90 days or less.
    • You must have been operating for at least 3-6 months.
    • You should have a decent personal credit score (above 530).

    Pros of Using Invoice Factoring

    1. Can get money fast.
    2. Don’t need collateral.
    3. Rates as low as a 2.5 % one-time fee for a NET 30 invoice
    4. Don’t need great credit.

    Cons of Using Invoice Factoring

    1. Only available to companies that bill other businesses or government customers via invoice.
    2. Higher interest rate than longer-term lending solutions (i.e. bank loan, marketplace loan).
    3. Must have customers who have been reliably paying their invoices for at least a few months.
    Invoice Factoring Resources

    Apply With Our Recommended Invoice Factoring Companies:

    For Regularly Invoiced Clients

    For Advances $25K+

    For Advances $25K-

    7. Short-Term Alternative Loans

    Average Annual Interest Rate: 30-50%

    Alternative lenders are basically non-bank lending companies that provide short-term (1 month 3 years) loans of up to $500,000 to businesses with lower credit scores. If you need a small working capital loan that you are going to be able to pay off within a few years, then alternative lenders can be a great option. Alternative lenders can get you funding in as little as 1 business day. Just be mindful that they are costlier than a traditional commercial loan or SBA loan. In addition, if you want more money and a longer repayment term, then you should probably look into other options.

    In addition to a personal guarantee, many alternative lenders will also place a blanket lien on your business assets. If you cannot repay the loan, the lender can sell off any or all of your business assets to satisfy the loan. The personal guarantee means you re on the hook for the loan even if your business closes down.

    How to Qualify for a Short-Term Alternative Loan

    To qualify with an alternative lender, you will generally need the following:

    • You should be in business for at least 9 months.
    • A FICO score of 500 or higher for primary business owners.
    • Annual business revenues of at least $50,000.

    Pros of Getting Money from an Alternative Lender

    1. Get your money much faster than a traditional commercial loan or SBA loan.
    2. Don’t need great credit.
    3. Can sometimes get approved after only one year of business operation.

    Cons of Getting Money from an Alternative Lender

    1. Interest much higher than SBA loans and traditional commercial loans.
    2. Requires a personal guarantee (but this is true of many other types of working capital loans as well).
    3. Most alternative lenders will place a lien on your business assets.
    Alternative Loan Resources

    Get Capital in as Little as 1 Business Day

    with Our Recommended Alternative Lender

    8. Merchant Cash Advances

    Average Annual Interest Rate: 60+ % (often effectively 80 % or higher)

    A merchant cash advance is when a business gets a lump sum loan from a lender in exchange for a daily share of their credit card sales. Personal credit and collateral do not matter that much. It’s all about how much credit and debit card revenue your business makes in a year.

    The nice thing is that this form of financing relates to your business only; there is no personal guarantee of payment, and if you cannot pay, your personal credit score will not be damaged.

    This is also a flexible form of financing. There is no fixed due date by which you have to pay back the merchant cash advance payback because you do not have to pay if your credit card sales dry up. You just resume payments when they start flowing again, and the payments vary based on how much credit card sales you processed that day. In general, most companies pay back a merchant cash advance within 4-18 months.

    However, there is a downside: the killer interest, which is generally 60% or higher annually. Often times merchant cash advance are a last resort for of financing. If you credit score is preventing you from qualifying for better financing terms, consider reading our credit repair article.

    How to Qualify for a Merchant Cash Advance

    To qualify for a merchant cash advance, the most important thing is that you must be doing a large volume of credit or debit card sales. The amount of money you can qualify for depends on your level of credit card sales you can typically borrow between 85 % and 250 % of your average monthly credit card receipts.

    Pros of Getting Money Using a Merchant Cash Advance

    1. Can be accepted with a bad credit score
    2. You don’t need any collateral, you just need a consistent credit card business
    3. No personal guarantee needed
    4. Fast way to get money
    5. You only pay in proportion to your credit card receipts. If you have a bad month, payments are lower. If you make no sales for some time, you resume payments when sales start coming ie again.

    Cons of Getting Money Using a Merchant Cash Advance

    1. Extremely high interest rate
    2. Can only get money if you have lots of credit card sales
    Merchant Cash Advance Resources

    Apply for a Merchant Cash Advance

    with Our Recommended Provider

    Bottom Line: Working Capital Loans

    Fortunately, there are lots of ways to get working capital loans for an existing business. We encourage you to check out our in-depth articles at the bottom of each of the 8 financing options above so that you do not miss important information and can figure out which source of financing is best for your business. Good luck!

    If your credit score is above 620 (check here for free ), your business earns more the $50k per year, and you re looking for working capital fast, apply for up to a $150k line of credit with Kabbage .

    About the Author

    Marc Prosser has been involved in many businesses as an executive, advisor, and investor. Prior to starting his own company, Marc Prosser was the first employee and Chief Marketing Officer of FXCM. During his ten years at FXCM, the company grew from a small business to over 700 employees.

    Related Posts



    The Home Loan Expert #ryan #kelley, #the #home #loan #expert, #home #loans, #refinancing, #mortgage, #mortgage #company,


    #

    Customer Service
    Our customer first approach is what separates us from all of the other banks and mortgage lenders. Our team will walk you through the process to ensure that your loan closes in a very timely manner. Our competition may think our philosophy on face-to-face customer service is excessive but our clients sure do appreciate it.

    Better Loans with Lower Rates
    We provide you with several different loan options to ensure that you find the loan program that best fits your needs. Because of the volume of loans our team closes and the great relationships we have forged within our industry, we re able to offer the most competitive rates to our clients.

    We Are The Experts
    Our team has set the standard in the mortgage industry. We hire only the best in the business. Our knowledge and experience is unmatched. We continue to train and study new loan programs to make us the best choice for mortgage refinancing and home purchases, debt consolidation, Conventional, FHA, HARP, VA, and Jumbo Loans available.

    We Are Bankers, Not Brokers
    As a mortgage bank, our process has been streamlined from start to finish. Having the entire loan process contained under one roof allows us to quickly and efficiently close your loan. Our ability to use the newest mortgage loan products and underwrite our own files, allows us to approve loans that our competitors can t.

    All Proceeds Benefiting

    The Home Loan Expert, LLC NMLS# 1326241 HUD Approved Lender 00341-0000-1. Regulated by the U.S. Department of Housing and Urban Development, 451 7th Street S.W. Washington, DC 20410, (202) 708-1112. Missouri Residential Mortgage Loan Broker License Numbers #15-2243. Illinois Residential Mortgage Licensee MB.6761130. Regulated by the Illinois Division of Banking, 122 S. Michigan Ave, #1900, Chicago, IL 60601, 312-793-3000. Indiana Residential Mortgage Licensee #28826. Tennessee Residential Mortgage Licensee #128819.

    Copyright © 2017 Ryan Kelley – The Home Loan Expert, LLC, Company NMLS #1326241 – Privacy Policy



    Business Finance USA – Business Finance USA-Export and Import Business Loans, Business Loans, Commercial Loans – #export #and #import #business #loans #miami, #business #loans #miami, #commercial #loans #miami


    #

    Welcome to Business finance USA

    Business Finance USA is a South Florida based International financial services company. We pride ourselves on our unparalled service and performance; and are committed to providing unbiased advice and prudent strategies for our clients’ financial needs and growth. Our services are always tailored to your unique needs. We provide business capital, accounts receivable financing, purchase order financing, factoring solutions, owner occupied real estate, inventory financing, equipment leasing, and over 40 years of commercial finance experience. We have simplified the financial process and are able to offer our clients multiple funding sources to suit their needs within a single credit facility.

    Our reward is satisfied clients! Whether you are currently seeking financing or would like to keep the option of financing open for some time down the road; we offer exclusive resources that will keep you eligible at any time.
    I encourage you to give them a try

    Bryan Miller, CEO Business Finance USA.

    “Over 40 years of satisfied clients”.



    What Are Minimum Requirements to Get a VA Home Loan? #va #home #loans #qualifications


    #

    What Are Minimum Requirements to Get a VA Home Loan?

    A borrower needs verified employment to obtain a VA loan.

    A home loan benefit is available to past and present members of the U.S. military. The U.S. Department of Veterans Affairs, or VA, backs mortgage loans issued through private lenders. To be eligible for VA home loans, borrowers must meet the minimum criteria set by the VA.

    Certificate of Eligibility

    First, a borrower must have a certificate of eligibility from the VA in order to obtain a loan. To receive this certificate, the borrower must file VA Form 26-1880, Request for Determination of Eligibility and Available Loan Guaranty Entitlement. Veterans with documented active duty service of at least 90 days during World War II or in later wars are eligible for the certificate. The requirements for veterans who served only during a time of peace varies by year and station, but the minimum service time ranges from 181 days to two years. Reservists and National Guard members activated after August 2, 1990 who were on active duty for at least 90 days may be eligible for a certificate. Spouses of service members who died during service or due to a disability as a result of service are also eligible under specific circumstances, as determined by the VA. Persons who received a dishonorable discharge at any time are usually not eligible for a certificate.

    VA Appraisal

    The VA requires an appraisal, or determination of the home’s market value by a professional, for every VA loan. The borrower or another party involved in the deal, such as the lender, requests a VA appraisal by filing VA Form 26-1805, Request for Determination of Reasonable Value. The VA will assign an appraiser to determine whether the home is worth the amount of the mortgage loan being requested.

    Available Entitlement

    Current or former service members get a set entitlement amount, which is the dollar total the VA will insure the loan for. A member’s basic entitlement amount is $36,000 as of 2010, acording to the VA. Some entitlement must be available in order to receive a VA loan. For example, a person with a prior VA loan that was paid in full frees up her entitlement when she sells the home. A person who has paid a VA loan in full but still owns the home is allowed to have eligibility restored to obtain another VA loan only once.

    Acceptable Financial Status

    The VA requires that a borrower’s income be documented and sufficient for meeting the loan’s monthly repayment obligations. Employment outside of the military must cover at least two years. The borrower must provide a written explanation if her employment doesn’t cover a two-year period. The lender will search for unpaid federal debts, such as student loans, and the borrower must address these debts before the VA loan will be approved. Although some credit decisions are left up to the private lender, the VA requires borrowers with poor credit histories to pay all past due accounts in full and make timely payments for at least 12 months on current accounts. Bankruptcies that were discharged two or more years from the date of the application are not considered, but a more current bankruptcy merits additional investigation by the lender.

    About the Author

    Anna Assad began writing professionally in 1999 and has published several legal articles for various websites. She has an extensive real estate and criminal legal background. She also tutored in English for nearly eight years, attended Buffalo State College for paralegal studies and accounting, and minored in English literature, receiving a Bachelor of Arts.

    Photo Credits



    VA Foreclosure Homes for Sale – VA Homes #va #home #loans, #va #foreclosure #homes, #va #homes #for #sale


    #

    VA Foreclosure Homes for Sale

    Please bookmark this page as your starting point to locating VA foreclosure homes for sale. Check back frequently, as foreclosure homes are constantly being added.

    The hyperlinks in this document are to other web sites. Please report any broken links to us to us, so we may repair them.

    Learn how much VA loan you can borrow to buy a home or use our loan calculator to estimate loan payments.

    Free VA Loan Pre-Qualification or Call: (855) 602-7406

    State Property
    Management Office Address

    Alabama
    VA Regional Office
    345 Perry Hill Rd.
    Montgomery, AL 36109
    View AL Homes

    Alaska
    VA Regional Office
    2925 Debarr Road
    Anchorage, AK 99508
    View AK Homes

    Arizona
    VA Regional Office
    3225 North Central Ave.
    Phoenix, AZ 85012
    View AZ Homes

    Arkansas
    VA Regional Office
    P O Box 1280, Fort Roots
    N Little Rock, AR 72115
    View AR Homes

    California – southern,
    except San Diego area

    VA Regional Office
    11200 Wilshire Blvd
    Los Angeles, CA 90024
    View CA Homes

    California – Northern and Northern Nevada
    VA Regional Office
    1301 Clay St, 1300 North
    Oakland, CA 94612-5209
    View CA Homes

    California – San Diego Area
    VA Regional Office
    2022 Camino Del Rio North
    San Diego, CA 92108
    View CA Homes

    Colorado
    VA Regional Loan Center
    155 Van Gordon St.
    Lakewood, CO 80228
    View CO Homes

    Connecticut
    VA Regional Office
    275 Chestnut St
    Manchester, NH 03101
    View NH Homes

    Delaware
    VARO Insurance Center
    5000 Wissahickon Av
    Philadelphia, PA 19101
    View DE Homes

    Dist. of Columbia,
    Northern VA, Mont. PG Counties in MD
    VA Regional Office
    1120 Vermont Ave. NW
    Washington, D.C. 20421
    View DC Homes

    Georgia
    VA Regional Office
    730 Peachtree St NE
    Atlanta, GA 30365
    View View GA Homes

    Florida
    VA Regional Office
    P O Box 1437
    St. Petersburg, FL 33731
    View FL Homes

    Hawaii
    VA Med RO Center
    P O Box 50188
    Honolulu, HI 96850 View HI Homes

    Idaho
    VA Regional Office
    805 West Franklin St.
    Boise, ID 83702-5560
    View ID Homes

    Illinois
    VA Regional Office
    P O Box 8136
    Chicago, IL 60680
    View IL Homes

    Indiana
    VA Regional Office
    575 Pennsylvania St
    Indianapolis, IN 46204-1541
    View IN Homes

    Iowa
    VA Regional Office
    210 Walnut St
    Des Moines, IA 50309
    View IA Homes

    Kansas
    VA Med RO Center
    P.O. Box 20077
    Wichita, KS 67208-1077
    View KS Homes

    Kentucky
    VA Regional Office
    545 S 3rd St
    Louisville, KY 40202
    View KY Homes

    Louisiana
    VA Regional Office
    701 Loyola Av
    New Orleans, LA 70113
    View LA Homes

    Maine
    VA Regional Office
    275 Chestnut St
    Manchester, NH 03101
    View NH Homes

    Maryland, except PG and
    Mont. Counties
    VA Regional Office
    31 Hopkins Plaza
    Baltimore, MD 21201
    View MD Homes

    Massachusetts
    VA Regional Office
    275 Chestnut St
    Manchester, NH 03101
    View MA Homes

    Michigan
    VA Regional Office
    477 Michigan Av
    Detroit, MI 48226
    View MI Homes

    Minnesota
    VARO Insurance Ctr
    Fort Snelling
    St. Paul, MN 55111
    View MN Homes

    Mississippi
    VA Regional Office
    1600 E. Woodrow Wilson Ave.
    Jackson, MS 39216
    View MS Homes

    Missouri
    VA Regional Office
    400 S. 18th St
    St. Louis, MO 63103-2271
    View MO Homes

    Montana
    VA Regional Loan Center
    155 Van Gordon St.
    Lakewood, CO 80228
    View MT Homes

    Nebraska
    VA Regional Office
    5631 S 48th St
    Lincoln, NE 68516
    View NE Homes

    Nevada – Northern
    VA Regional Office
    1301 Clay St, 1300 North
    Oakland, CA 94612-5209 View NV Homes

    Nevada – Southern
    VA Regional Office
    3225 North Central Ave.
    Phoenix, AZ 85012
    View NV Homes

    New England
    VA Regional Office
    275 Chestnut St
    Manchester, NH 03101

    New Hampshire
    VA Regional Office
    275 Chestnut St
    Manchester, NH 03101
    View NH Homes

    New Jersey
    VA Regional Office
    20 Washington Place
    Newark, NJ 07102
    View NJ Homes

    New Mexico
    VA Regional Office
    P.O. Box 0968
    Albuquerque, NM 87102
    View NM Homes

    New York – Western
    VA Regional Office
    111 W Huron St
    Buffalo, NY 14202
    View NY Homes

    New York – Eastern
    VA Regional Office
    245 West Houston St
    New York, NY 10014
    View NY Homes

    North Carolina
    VA Regional Office
    251 North Main St
    Winston Salem, NC 27155
    View NC Homes

    North Dakota
    VARO Insurance Ctr
    Fort Snelling
    St. Paul, MN 55111
    View ND Homes

    Oklahoma
    VA Regional Office
    125 Main St
    Muskogee, OK 74401
    View OK Homes

    Ohio
    VA Regional Office
    1240 East 9th St
    Cleveland, OH 44199
    View OH Homes

    Oregon
    VA Regional Office
    1220 SW Third Av
    Portland, OR 97204
    View OR Homes

    Pennsylvania – Western
    VA Regional Office
    1000 Liberty Av
    Pittsburgh, PA 15222
    View PA Homes

    Pennsylvania – Eastern
    VARO Insurance Center
    5000 Wissahickon Av
    Philadelphia, PA 19101
    View PA Homes

    Puerto Rico
    VA Regional Office
    GPO Box 4867
    San Juan, PR 00936
    View PR Homes

    Rhode Island
    VA Regional Office
    275 Chestnut St
    Manchester, NH 03101
    View RI Homes

    South Carolina
    VA Regional Office
    1801 Assembly St
    Columbia, SC 29201
    View SC Homes

    South Dakota
    VARO Insurance Ctr
    Fort Snelling
    St. Paul, MN 55111
    View MN Homes

    Tennessee
    A Regional Office
    110 9th Av S
    Nashville, TN 37203
    View TN Homes

    Texas – Southern
    VA Regional Office
    6900 Alemda Road
    Houston, TX 77030
    View TX Homes

    Texas – Northern
    VA Regional Office
    One Veterans Plaza,
    701 Clay St.
    Waco, TX 76799
    View TX Homes

    Utah
    VA Regional Office
    P O Box 11500
    Salt Lake City, UT 84147
    View UT Homes

    Vermont
    VA Regional Office
    275 Chestnut St
    Manchester, NH 03101
    View VT Homes

    Virginia except
    northern VA
    VA Regional Office
    210 Franklin Rd, SW
    Roanoke, VA 24011
    View VA Homes

    Washington State
    VA Regional Office
    915 Second Av
    Seattle, WA 98174
    View WA Homes

    West Virginia
    VA Regional Office
    210 Franklin Rd, SW
    Roanoke, VA 24011
    View WV Homes

    Wisconsin
    VA Regional Office
    5000 National Avenue
    Milwaukee, WI 53295
    View WI Homes

    Wyoming
    VA Regional Loan Center
    155 Van Gordon St.
    Lakewood, CO 80228
    View WY Homes

    VA home loans.com is not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.
    VA loans are insured by the Department of Veterans Affairs. VA Home Loans.com provides VA loan calculators information regarding VA loans for Veterans who wish to use their VA benefits in the form VA loans.

    VA-Home-Loans.com / American Financial Network | 13920 City Center Dr. Ste 235. Chino Hills. CA. 91709 | Map

    VA loans are insured by the Department of Veterans Affairs. VA home loans.com is not owned or operated by VA or va.gov. VA Home Loans.com is a mortgage banker specialized in providing information regarding VA loans for Veterans whom wish to use their VA benefits in the form VA loans to buy a home with no down payment or refinance VA. VA-Home-Loans.com provides information on VA loans such as: VA loan qualifying, and VA loan programs. NMLS 242141 | California BRE 01317581 | HUD Approved Lender

    VA-Home-Loans.com 2000 – 2017 All Rights Reserved. Equal Opportunity Lender.



    Small Business Assistance in PA #small #business #loans #in #pa


    #

    Small Business Assistance

    Download PA’s comprehensive business resource guide to help you launch your business in Pennsylvania. Here you’ll find expert information regarding building a business plan, registration, funding advice, and more. Our e-guide is printer-friendly and eco-friendly!

    How Can We Help You?

    TECHNICAL & PLANNING ASSISTANCE

    • Our local and regional PREP partners have the experience and know-how to assist individuals who have an idea and need help with the basics of starting a new venture. PREP also meets the demands of existing companies that seek assistance in all aspects of successful business development and growth.
    • Reach out to your local SBDC to gain access to educational workshops and free, confidential consulting services. Offices are conveniently hosted at 18 universities and their 90 outreach centers located across Pennsylvania. Visit the PA SBDC website for more information at www.pasbdc.org .
    • Please contact your local SCORE office to schedule an appointment to speak with a mentor regarding business planning and strategizing. The service is free and confidential. Learn more about SCORE by visiting www.score.org.
    • Visit a local SBA office or one of its partner locations to access the federal government’s vast array of resources, services and programs focused on assisting the establishment of startups and the growth of established small businesses. Many of the resources, articles, and the information on programs can be found simply by visiting their website: www.sba.gov

    REGISTRATION & LICENSING ASSISTANCE

    • Registration for businesses based in PA (domestic) may use PA Department of State’s online filing system, PENN File. Sole proprietorships and partnerships may file a fictitious name while entities may file as an LLC, Corporation, etc. Those with filing questions and businesses based outside of PA (foreign), should contact the Department of State: 717.787.1057.
    • Federal Employer Identification Number (EIN) registration can be completed online by visiting the IRS application page. There is no cost to register your EIN. Filing questions can be directed to the IRS’s Business Tax Line: 1.800.829.4933.
    • Hiring a new employee? PA Department of Labor & Industry’s New Hire Reporting Program has you covered. Here, employers are provided with all the information needed to fully comply with Federal and State mandates to report their newly-hired employees. Visit Pennsylvania Career Link’s New Hire Reporting Program homepage. Further questions regarding hiring and employment can be directed to 1.888.724.4737 (1.888.PAHIRES).
    • PA Sales Tax ID and related tax accounts are filed with the PA Department of Revenue. This is not the same as a Federal Employer Identification Number (EIN). You may file your PA tax accounts online through the PA-100. If you are unsure as to whether or not your business is required to have a sales or other state tax ID, please contact the Department of Revenue for clarification: 717.787.1064.
    • Home Improvement Contract (HIC) Registration. or “PA #”, can be registered with the PA Attorney General’s Office via the HIC Registration page. Contractors with questions about filing requirements may contact the contractor helpline: 717.772.2425.
    • Special licensing and other registration questions can be directed to the Small Business Assistance Network: 1.800.280.3801.

    PROGRAM & FUNDING ASSISTANCE

    • DCED offers loans, loan guarantees, tax credits, bonds, and grants. Grants to start a business are not available. Each program has a designated set of guidelines and eligibility requirements. Please read about the program’s eligibility requirements before applying. If you have questions regarding a specific program, you may use the contact information provided in the guidelines or contact the Small Business Assistance Network (1.800.280.3801). For more information, visit DCED’s list of programs .
    • Partnerships for Regional Economic Performance’s (PREP) regional representatives can help assist small businesses locate funding in their local communities.
    • While the Pennsylvania SBDC does not provide financing or loans, your local center will work with you to provide the best tools to finance your small business. When you’re ready, contact your local SBDC for more information.
    • The U.S. Small Business Administration (SBA) offers a variety of loan programs for very specific purposes. They also play other important roles in helping entrepreneurs finance or grow their business. The SBA website provides detailed information on what is needed to secure loans and financing.

    SMALL DIVERSE BUSINESS ASSISTANCE

    • The description of a diverse business includes, but is not limited to: minority-owned, woman-owned, veteran-owned, disability-owned, and LGBT-owned businesses. The PA Department of General Services’ Bureau of Diversity, Inclusion & Small Business Opportunities (BDISBO) is responsible for assisting small diverse businesses interested in competing for Commonwealth contracting opportunities. To learn more or become a verified, self-certified small diverse business, please visit the BDISBO webpage or call the Bureau: 717.783.3119.
    • DCED offers programs including, Small Diverse Business Capital Access Program (SDBCA). Pennsylvania Minority Business Development Authority (PMBDA). and Business Opportunities Fund (BOF) to assist disadvantaged and diverse small businesses access financing.
    • For more information regarding services and resources offered to disadvantaged and diverse small businesses, contact the Small Business Assistance Network: 1.800.280.3801

    Comments or Suggestions. Let us know how we can improve our resources and webpage to assist you better.



    Home Loans and Mortgage #kearney #mortgage #kearney #home #loans #liberty #home #loans #gladstone #home #loans #lees #summit #home #loans #bonner #springs #home #loans #kcb #bank #mortgages #kcb #bank #home #loans #kearney, #mo #home #loans #liberty, #mo #home #loans #gladstone, #mo #home #loans #lees #summit, #mo #home #loans #bonner #springs, #ks #home #loans #home #loan #preapproval #no #obligation #prequalification #home #loan #prequalification #


    #

    Online Banking

    Loans

    If you re looking for a loan, turn to people you know and trust. Our loan staff works with you personally to offer advice and guidance. All decisions are made locally, by the same people who work with you every day. The results: fast approval, customized lending programs and friendly service from people who care. Meet our Team

    CONSUMER LOAN PRODUCTS

    CD or Savings Secured

    These loans have our lowest rates. Borrow your own money while it continues to earn guaranteed returns. (Rates )

    Personal

    For a car, motorcycle, boat, vacation and more! (Rates )

    We make getting behind the wheel simple. It may be a used vehicle, but it’s brand new to you and we want to get you in that car or truck of your dreams. We offer great rates and terms on used vehicle loans that will fit your budget. If your car, truck or van is currently financed somewhere else, consider KCB s auto refinance as an option.

    • Model years from 2008 to 2014
    • Competitive interest rates (based on applicant credit)
    • Financing up to 90% for new vehicles or 80% of NADA Value Clean Trade In
    • Terms up to 60 months for new; 48 months for two to three year old vehicles
    • Automatic payments via direct deposit and account transfer available
    • Contact us to obtain rates and terms to fit your individual needs

    Construction

    If you re looking to build a new home, make it easy by applying for both construction and mortgage loans with KCB Bank. Interest only loans for 9 to 12 months are available during construction. When construction is complete, we can refinance your construction loan into an amortizing 15 or 30 year loan. (Rates )

    Vacant Land/Lot

    If you ve found a building site but aren t quite ready to build, finance the land with KCB and start building equity. (Rates )

    Mortgage Lending – Home Loans

    If you are looking to purchase, refinance, or get pre-qualified for a home, our mortgage lending department offers a wide variety of loan programs.

    Please visit KCB Mortgage for additional resources or to Apply Online. Check out our daily interest rates .

    Home Improvement

    Looking to improve on or expand your home? Home Improvement Loans can be financed a number of ways. Get more for your money with our competitive rates .

    Contacts

    For more information regarding any of our loan products, or to schedule an appointment with any of our lending professionals, call us at the bank 816-628-6050 or email a member of our staff. We re here to help you get the financing you need. Meet our Team

    BUSINESS LOAN PRODUCTS

    When you conduct business with KCB Bank, it s more than just a financial transaction. You ll be forming a strategic partnership with experts who care about your business and understand the many challenges you face. From sweep accounts to low-fee checking with free debits and credits, our business services are targeted to save you time and money. Our lending services include:

    Lines of Credit

    A short term solution for purchases, payroll and cash flow needs. (Rates )

    Equipment

    Amortized equipment loans available for the purchase of equipment or use existing equipment as collateral for expanding your business. (Rates )

    Real Estate

    Finance the purchase or refinance existing owner occupied real estate. KCB offers a 5/1 ARM with payments amortized over 15 years as well as a 15 year fixed loan option. Let a KCB lender help you find the best solution to meet your business need.

    Investment Properties

    Let a KCB lender help you find the right loans for purchasing or refinancing investment properties. Whether you re investing in a 1-4 family residential property, apartment project, office, retail, or warehouse space, we can help you find the best solution for your investment. (Rates )

    Construction

    Finance the construction of 1-4 family speculative and custom homes or a commercial project. Take advantage of KCB s interest only options during construction and permanent financing options once construction is complete. (Rates )

    Agriculture

    Use lines of credit to finance seasonal cash flow for crops or cattle. (Rates )

    Letters of Credit

    Letters of credit are available to meet your vendor s requests for taxes, utilities, and construction jobs. (Rates )

    Contacts

    For more information regarding any of our loan products, or to schedule an appointment with any of our lending professionals, call us at the bank 816-628-6050 or email a member of our staff. We re here to help you get the financing you need. Meet our Team

    Helpful Videos

    Important Industry Info

    Alerts/Notices



    Business telephone services #ohio, #business #portal, #starting #a #business, #hiring, #training, #employees, #licenses, #permits, #filings, #payments, #laws, #regulations, #environment, #common #sense #initiative, #regulatory #reform, #taxes, #rates, #estimating, #financial #assistance, #grants, #loans, #procurement, #business #gateway, #e-filing, #efiling, #obg #electronic #filing


    Ohio Business and Career Expo May 17, 2017

    A unique opportunity for minorities, women, and socially and economically disadvantaged businesses and individuals to connect with procurement officials and employers from the State of Ohio and more. Learn more about the Ohio Business and Career Expo walk-ins are welcome !

    Ohio Business Central

    File business documents online with Ohio Business Central. Available online forms include: articles of incorporation for domestic corporations, nonprofits, and professional associations; articles of organization for a domestic limited liability company; foreign for profit and nonprofit corporation application for license; foreign limited liability company registration; trade and fictitious name registration and renewal; and biennial reports for associations and limited liability partnerships, and more.

    Hiring Ohioans with Disabilities: A Toolkit for Employers, Managers and Human Resource Professionals

    Integrating individuals with disabilities into the workplace can have many benefits for employers. Individuals with disabilities have proven to be dedicated, conscientious and highly productive workers when given the chance. The greatest barriers to hiring workers with disabilities are myths, fears, and misunderstandings. In Ohio, the Toolkit for Employers is the best source of information for recruiting, hiring and retaining workers with disabilities.

    Employers can learn about best practices from some of Ohio’s top employers; tax incentives for hiring workers with disabilities, and more. View the Hiring Ohioans with Disabilities Toolkit for Employers .

    view all Gateway topics



    Car Insurance Northern Ireland – Compare Cheap NI Quotes #shop #insurance #quotes, #car #insurance #ni #compare #northern #ireland #cheap #ni #van #home #insure #quotes #online #comparison #bike #loans #life


    #

    About CompareNI

    Compare Car Insurance Northern Ireland

    Finding cheap insurance in Northern Ireland can be difficult, especially car insurance.

    With so many insurance companies and brokers based on the UK mainland, many great value policies exclude Northern Ireland. We know how frustrating that can be, so we have developed CompareNI.com to let you compare deals that apply to NI residents.

    Car insurance NI premiums can vary between brokers, as they can charge different fees on top of the original insurance price – so it is worth shopping around to make sure that you don’t pay too much for the cover that you need. At CompareNI.com, we compare the prices these different brokers charge, so you don’t have to contact brokers and insurers individually, which could save you both time and money!

    Car Insurance NI Comparison

    Our system allows you to fill in one simple form to get prices from up to 58 different companies within a couple of minutes. The cheapest insurance quote will be shown at the top of the list, and you can review policy extras and the brief details, before choosing to purchase online or by phone, directly from the insurance company. You can also save these quotes and review them another time, if you aren’t ready to buy today.

    Finding many types of insurance in Northern Ireland just got easier with CompareNI.com!

    It isn’t just cheap car insurance NI and home insurance NI quotes that we can provide – we have partnerships with insurance companies who can get you great deals on all kinds of insurance including van, bike, pet, travel, breakdown and much more.

    We can also help you check out rates on financial products including credit cards, savings accounts, and mortgages in our money section.

    We can help you find insurance no matter where you live in Northern Ireland including Belfast, Newry, Carrickfergus, Derry, Coleraine, Ballymena, Newtownards, Lisburn, Bangor, Craigavon, Castlereagh, Cookstown, Downpatrick, Limavady, Strabane, Enniskillen, Larne, Down, Holywood, Omagh, Fermanagh, Dungannon, Lurgan, Londonderry, Antrim, Armagh, Tyrone, Banbridge, Maghera, and everywhere else!

    *51% of consumers could save £200. We split the providers on our system into different categories. We then selected quotes from the high volume sales providers as well as quotes from other providers which returned a price. Based on UK insurance market share data made available by the ABI, by way of a weighted selection process, we selected the cheapest of either the high volume sales providers or other providers (“the cheapest selected quote”). We then compared the cheapest quote on our system against the cheapest selected quote. We then took the savings figure which 51% or over could have saved using that formula. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

    *Purchase a car insurance policy through CompareNI.com and claim your free dash board camera ( Subject to Terms and conditions)