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Loan Articles

The worth of a business loan and mortgage loan and mortgage

Loan Knowledge Base

What do loan companies consider when someone applies for a student loan?

If I already took out a $20,000 loan, and I would like to take out another $20,000 loan, would it be accepted by a Loan company such as Sallie Mae or ...

What loan companies will give you a loan for a motorcycle if your credit is really bad?

I helped an ex get a motorcycle and now need him to repay me. He needs to take out a loan and repay me or buy the bike from me. His credit is horrible...

Is student loan still tax deductable when refinancing a student loan with a personal loan?

My daughter has two very high interest student loans. Her credit won't let her do anything, but I can "refinance" it with me getting th...

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Personal Loan Knowledge Base

Personal Loan?

looking for a personal loan to an Autralian resident. Looking to consolidate debts, and am prepared to make weekly, repayments. Any advice or offers a...

Can you get a personal loan to use as your personal contribution on a business loan?

I want to get a personal loan as my 20-40% contribution on a business loan. Can I do that?

How can you go about getting a personal loan from a bank? What collateral do you usually need?

I will probably need to replace my car soon, but I don't know that I want a traditional car loan because it would require having more insurance, a...

If I consolidate my student loan with a personal loan can I still write off the interest?

I had a federal student loan which I consolidated about 8 years ago to someone who eventually sold that loan to Citibank. I pay about 8.35% in interes...

How do I get a personal loan with bad credit?

I am looking for a personal loan, but my credit is not good. I don't want a payday loan but that is all I find on the internet when I type in pers...

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Student Loan Knowledge Base

Student loan?

I know I'll need to get a student loan sometime during my university studies. I was just wondering how they work, what you need to get one and how...

Is student loan still tax deductable when refinancing a student loan with a personal loan?

My daughter has two very high interest student loans. Her credit won't let her do anything, but I can "refinance" it with me getting th...

Does a student loan and a bank loan affect your credit the same way?

I have one credit card ( revolving credit ) and I have one student loan ( fixed monthly payments ). I want to keep one revolving account and one fixe...

If I consolidate my student loan with a personal loan can I still write off the interest?

I had a federal student loan which I consolidated about 8 years ago to someone who eventually sold that loan to Citibank. I pay about 8.35% in interes...

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Home Loan Knowledge Base

home loan??

my house is worth about $550k.. My credit score is 559 right now, due to my excessive credit card and student loan debt.. nothing has ever been late, ...

Does the home loan interest rate vary between online quotes and the real ones ?

- I am planning to buy a home - i have put an offer on a house and almost 100% done deal Now I have to look out for a home loan. I am looking at s...

what is the risk borrowing home loan from a small and new bank?

I am having a traditional loan application with a big bank. I just found a small bank in Florida, founded in 2004, is offering better rate and cost co...

How can I get approved for a home loan if I am moving to another state?

Hi! My husband and I are trying to move to Arizona in the next year and buy a house. This will be my first home. We both work full time jobs in Calif...

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Home Equity Loan Knowledge Base

Is it better to get a home loan thru home equity line loan?

I am thinking of refinancing and Chase Bank is ready to give a 10 yr 170k home equity loan. Is this a better than my existing home mortgage loan. Is...

Can my wife take a home equity loan for personal use on a jointly owned home without my consent?

My wife earns more money than me. The home loan is in her name but the home title is in our joint names. Can she take a home equity loan without my co...

Home equity loan or refinance existing home loan?

My husband and I are looking into a home equity loan or refinancing our existing home loan. We own a doublewide on 4 1/2 acres that has been converted...

Can I pay off a home equity loan with my credit card ( lower interest rates!)+ how do I do it?

I have an offer from a credit card co with a low interest rate, 2% lower than my home equity loan interest. I would love to get rid of the horrible 8....

can i get a home equity loan on a home i just bought that i was gifted equity in it?

we are buying a home from my mother. she is gifting us the equity in the home. can we get an equity loan at the same time as we get our home loan or d...

What is a home equity loan and what is the process to applying/being accepted for one?

I paid roughly $90,000 for my home. It was a TLC home and I've fixed it up in the past 9 years dramatically. New roof, new walls, siding, porch, h...

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Loan Rates Knowledge Base

loan rates?

Yvette takes out a conventional loan to purchase a car. The interest rate is 6.2% compounded monthly and Yvette has five years to repay the $9600 she ...

What are the current student loan consolidation rates?

What are the current rates, and with the fed cutting rates, what are the chances the student loan rates will decrease as well? And if so, when?

Do you think the FEDS meeting which started today will lower the home loan rates tomorrow ?

I was reading some online news and it was saying that FEDS are meeting today for 2 days to discuss about some rates. And tomorrow (wednesday 2pm) will...

Why are home loan rates higher for non-occupied owners?

Why are home loan rates higher for non-occupied owners? Why should/does it make a difference whether I live in the house or not?

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Car Loans Knowledge Base

Car loans?

I am looking to get a used car and I want to finance it through my bank. How do car loans work? Do I need to find a car first or do I get the money ...

Who would you recommend for pensioner car loans or unsecured loans here in Australia and why?

Want to upgrade, have decent deposit and decent trade-in. Who does hassle free pensioner car loans here in Oz?

Is it smart to use a home equity loan to pay off car loans, and a line of credit?

My husband and I need to lower our monthly payments. We have no debt except a line of credit for $60,000 with the payment of $410 and two car loans b...

I have two car loans and would like to put money down towards one of them. Which one should I choose?

I have two car loans with the same interest rate 5.65%. One loan is 10,281 and the other one is a new car loan at 22,525 that's with taxes includ...

Can you get a homeloan that will also willing to pay 2 car loans?

We are planning to buy a house but I was wondering if it's possible that a lender will also pay off 2 car loans? like include it to the homeloan?

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College Loans Knowledge Base

college loans?

i am putting myself through college I have already taken our about 26,000 dollars in college loans and i am coming up on my 3rd year i have averaged o...

How can I refinance my college school loans?

Actually it's my girlfriend who needs her college loans refinanced. They're about 60 thousand. Shes paying over $500 a month for her loan, a...

What are some options for college loans?

I am currently a junior in college and I am going to need to apply for a loan. I already have a federal loan, but I need some additional funds. There ...

Where can I go to obtain information about college loans?

I'm a college student looking for a small college loan to help with expenses. What are the websites, places to go, and information on getting the ...

How can I pay for college without taking out college loans?

I am trying to figure out how I am going to pay for college without taking out loans. I have good grades and everything, but those aren't getting ...

How do you get loans for college?

I'm a sophomore and my parents are not helping me with college. I want to start thinking about how I'm going to pay for it. I don't exactl...

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Equity Loans Knowledge Base

What to look for when shopping around for home equity loans?

Any advice on what to look for when shopping around for home equity loans? Are there referral commissions? I have a couple of individuals lookin...

How tax deductible are charitable donations and home equity loans?

When they say donations and home equity loans are tax deductible, what does this mean? Does a $1000 donation mean $1000 less federal income tax? Does ...

More than one home equity loans at a time?

I want to know if I can get more than one home equity loans at a time for a single house from different banks. Because I've applied for a home equ...

Where can I find average annual interest rate data for Home Equity Loans?

I am looking for data on the average annual interest rate of Home Equity Loans. From 1970-current would be ideal. Do you know where I can find thi...

is there a place that offers home equity loans to people that have bad credit?

my boyfriend and i own our home with no mortgage. we have around $76,000 of equity in our home but have bad credit. is there somewhere we can go for ...

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Consolidation Loans Knowledge Base

Consolidation loans??

Does anyone know of a place that will provide a consolidation loan (not debt settlement) to people with good credit, but not excellent credit? I'm...

will getting a federal consolidation loan affect your chances of getting graduate school loans?

I have two jobs and still struggle to pay my student loans and for this reaosn I am considering a consolidation loan. Eventaully I owul dlike to go t...

Does anyone know of a company offering student loan consolidation loans?

All the companies I have checked out are not offering consolidation loans because of the credit market. There is no way I can make payments with out ...

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Payday Loan Knowledge Base

Payday Loan?

We are in need of some money until payday and I was wondering what payday loan website is good. I know some say payday loans are bad but they are only...

Who thinks payday loan companies should be banned in every state?

I fell into the payday loan trap, which I struggled my way out of. Now when I see someone going into one of those places, I just want to run grab the...

Are there any payday loans or emergency loan companies that will help people in the Military Reserves?

We are desperately waiting for a re-enlistment bonus we are expecting but in the meantime need a quick loan to get us by for somethings that have come...

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Mortgage Loan Knowledge Base

Mortgage Loan?

When my Fiance and I go for a mortgage loan will they look at both our incomes and credit score? And what are the determining factors for a loan offi...

How do Mortgage loan officers make their money?

I'm getting a mortgage loan through a mortgage company but the guy that is giving me the loan seems a little bit to excited. How much money is he ...

What percentage does a mortgage loan officer make from the sell of a home?

I was just curious, when a mortgage loan officer sells a home what percentage of the selling price does the loan officer keep for his commission?

How do i find a job as a mortgage loan officer without any mortgage experience?

I currently work in a distribution center, and i have a bachelors in economics and psychology. I am interested in becoming a mortgage loan officer so ...

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Credit Report Knowledge Base

Credit report?

I just ran my credit report and there are several hits on it to say the least. Is it better to call the collection agencies directly and work out paym...

Which credit reporting agency is best for the credit report?

I know that i can get my free credit report once a year, but there are like 3 reporting agencies to chose from. Which of those agencies is most accura...

Credit Report Images

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Free Credit Report Knowledge Base

I want a free credit report with out having to use a credit card or my phone number. How do I do that?

Everywhere I have went to get a free credit report they ask for my credit card number and my phone number. I don't have a credit card or a phone s...

How do i check free credit score rating or report?

Is there a way to get a free credit report? I heard everyones entitled to 1 free report,state by state?

How you get free credit score or report?

Is there a way to get a free credit report? I heard everyones entitled to 1 free report,state by state?

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Private Student Loan Knowledge Base

What are the best private student loan consolidation companies?

I am getting ready to pay back my Sallie Mae student loans and they are expecting me to pay approximately $500 per month for my private loan. The onl...

Is it possible to get a private student loan without a credit history or a co-signer?

I currently have no credit history, and no available co-signer for a private student loan. I have exhausted my availability of government sponsered St...

How can I obtain a private student loan with bad credit and bankruptcy?

I am need to get a private loan of 7,000 to pay for housing and school and I get regected all the time. So you know where theres a bad credit student ...

Cost of attendance required to get a private student loan?

I have looked at many lenders online that offer private student loans and all of them state that the amount you request may not exceed the cost of att...

Why are private student loans only loan protected?

In Feb 2008 the financial companies sent lobbyist to say that it would make it extremely hard to get a private loan if this was enacted. Nobody is giv...

What happens if a student private loan cosigner passes away?

Just curious about what happens, I have a $50,000 private student loan out and it was cosigned by my grandmother so I could recieve a much better inte...

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Credit Repair Knowledge Base

Credit Repair?

I have no idea where to start to repair my credit. They are always offering free credit reports but I am leary of that. Could someone please tell me w...

Credit Repair: Are there any certification programs I can take to learn how to do Credit Repair?

I would like to learn how to do credit repair. Are there any certification programs? Any suggestions would be highly appreciated. Thank you.

Is there any way for a credit repair company to set up an account to pull credit for its clients?

I am trying to start a credit repair company but I have not found a company to go through to pull credit. All the companies seem to only work with mo...

How can i open my own credit repair company?

I am a mortgage loan officer and always send customers who have credit issues to a credit company to clean off their credit. I know people can do thi...

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Home Mortgage Knowledge Base

Home mortgage?

I have a mortgage of $100,000, and I want to pay it off super fast, so Ive been selling heaps of stuff on E.Bay, and putting the cash straight onto my...

Mortgage on primary home to buy second home, can i deduct taxes?

my friend's primary home mortgage is paid off. she want to take a mortgage on the primary home in order to buy a second/vacation home. Can he dedu...

Why is home mortgage loan considered a tax benefit ?

I am planning to buy a home and wanted to know why everyone thinks that home mortgage loan is tax beneficial. Example:- If we are paying around $1...

Can you pay off a home mortgage with a home equity line of credit?

My sister is asking me for money to pay up her home equity line. When I asked about her mortgage payment, she said she paid it off with her home equi...

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Refinancing Knowledge Base

refinancing?

once again i am looking at refinancing. whats the best way to find out who is honest in financing and not ripping you off with a high interest rate., ...

Does refinancing a mortgage hurt your credit score?

I am in a arm loan and am looking to refinance after 2 years. I heard that refinancing can drop your credit score up to 30 points? Am i better off try...

How should I go about refinancing my home?

I have a mortgage loan at 6% with a balance less than 80,000/8 years. Should I refinance the balance that I owe to invest my money somewhere else? W...

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Mortgage Broker Knowledge Base

Mortgage Broker?

We're working with a Mortgage Broker who seems inexperienced. Does anyone know what they are responsible for; what their duties are? Also, if sh...

How can I become a mortgage broker in california?

I simply cannot seem to find legitimate information on becoming a mortgage broker in California. Many of the web sites that purport to have informatio...

How do I become a mortgage broker in ohio?

I know the mortgage industry is in a mess right now, but I am looking toward the future when we rebound. Wondering what requirments there are to becom...

What can I do if my mortgage broker lied about income to the lender without my knowledge?

Hi I want to know, according to UK laws and FSA regulations what can I do if my mortgage broker lied to the lender about my income? I accidently came...

How do I become a mortgage broker or mortgage agent in California?

I am fresh out of a college. Not just any college; a community college. And I need step by step how to become a mortgage broker or mortgage agent p...

How much does a mortgage broker make of a deal for a home refinance?

How much does a mortgage broker make off a refinance loan? vs How much does a bank employee doing a refinance make off a refi loan? Besides ideal cred...

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Secured Loans Knowledge Base

secured loans?

i have two secured loans on my property and a mortgage,i recently became self employed lately and things are tight money wise at the moment until i bu...

Can you have 2 secured loans on your property from the same company?

I thought this was illegal. A couple I know have a secured loan on their propertyof 5k, the same company who gave them this then gave them a second lo...

Can someone tell me how collateral loans work or secured loans?

I own four condo properties outright. I plan to put three units up for collateral. I need to know if there are any fees or interests attached to the l...

How can I get out of debt with secured loans?

I have several loans... $5000 at 59% with Cashcall, $5000 with Wells Fargo, $14,000 Car Loan, $8000 school loan... I would love to consolidate... I am...

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Small Business Loan Knowledge Base

I want a loan to make money. Small business loans/credit cards for ppl with bad credit? Exponential growth?

My house was robbed and all my jewellery and money stolen a couple of years ago. I was about to run a small home business with the money and assets ...

How can I get a small business loan? I have good credit but little cash or assetts?

I am looking into buying a small business just outside of Denver, Colorado but I have no idea where to start as far as getting a loan. I have good cre...

How to contact small business loan department of a bank to sell them online advertisement?

My online business provides a steady stream of companies looking for business capital and business loans. I want to contact the small business loan de...

How do I find a small business loan from an individual?

I am a small business wanting to expand with additional employees, office equipment and working capital. I need an individual who can loan this money...

What are the risks associated to an UNsecured small business loan?

I am working on starting a small business soon. I am financing a big chunk myself but need a small business loan for more than half of the start-up co...

Can I get a small business loan for myself, with a partner investing 50% upfront?

I am planning to open a fitness studio with a business partner who already has the means to put in 50%. We plan on creating a very solid business pla...

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Auto Loan Knowledge Base

Auto Loan?

I live in Houston, Texas and I wanted to find out houw to get an auto loan. I would like to purchase a vechicle that the owner wants $3500 for. Due to...

What are the qualifications of an Auto Loan in the Philippines besides the ordinary?

I know the specifics of the Auto Loan like the essential information about the applicant. I want to know how they decide on the loan. Thanks!

How much does a small used auto loan impact my credit?

I am about to buy a 2003 Honda Civic from my uncle for approximately $10,000. I had intentions of putting down 5,000 or 6,500 dollars (depending on w...

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Bad Credit Loan Knowledge Base

Is there any lender willing to give a bad credit loan?

I have recently fallen into a payday loan trap and I am desperately trying to get out of this hole I have dug for myself. I had bad credit and have be...

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Bank Loan Knowledge Base

bank loan?

is it possible to get a bank loan with no credit?

Does a student loan and a bank loan affect your credit the same way?

I have one credit card ( revolving credit ) and I have one student loan ( fixed monthly payments ). I want to keep one revolving account and one fixe...

What do loan officers look for in your past bank statements?

As I've been doing homework on the loan process for a first-time mortage, it struck me as peculiar that it is recommended (required??) to bring si...

How to get a Bank loan against my property in Bangalore?

I am self employed and new in Bangalore. Want to approach a good Bank for a loan against my apartment where I am staying? What are the documents req...

Bank Loan Images

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Loan With Bad Credit Knowledge Base

I want a loan to make money. Small business loans/credit cards for ppl with bad credit? Exponential growth?

My house was robbed and all my jewellery and money stolen a couple of years ago. I was about to run a small home business with the money and assets ...

Any companies that will loan bad credit loans?

My credit is shot with credit cardsbut i would like to get a loan of @ least 2,500.00 im sure i will need a co-signer but i knw for a fact i could use...

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