Mortgage Loan Applicants Are Welcomed at Family First Federal Credit Union

Credit Union is Financially Equipped and is Not Facing the Same Lending Challenges of Bigger Banks

OREM, Utah, Oct 06, 2008 (BUSINESS WIRE) -- Turmoil in Congress and on Wall Street has had minimal impact on Family First Federal Credit Union and its ability and willingness to make loans to its members.

The issues that are facing the big banks are not the same at the credit union level due to the strong saving habits of its members. Consumers have been led to believe that there is no money available for lending and the tightening of the requirements have made it impossible to be approved, even with good credit.

"Family First has not been out there buying mortgage-backed securities as investments or making bad subprime mortgage loans, but following conservative, sound lending practices," said Todd Hatfield, assistant vice president of mortgage development at Family First Federal Credit Union. "It has been pretty much business as usual for us, as we are welcoming first time home buyers and have been able to get them into a conventional loan with as low as five percent down."

Family First Federal Credit Union believes strongly in prudent lending in good times and in bad. With its strong liquidity, the credit union is looking for ways to better serve its members. With the tax rebates for first time home buyers, low interest rates and good home pricing, the credit union is encouraging its members to continue to invest in the real estate market.

Due to the credit union's conservative approach to lending, its underwriting policies have changed very little during this crisis. Hatfield added, "Many members believe that they now need to have 20 percent down for a new home purchase, but at Family First that is not necessarily true. We have always looked at a member's credit score, salary history and the borrower's ability to pay back the loan in the future. We are currently approving some first time home loans with as low as five percent down."

To get more information about Family First's Mortgage Services, please visit any of the seven branches throughout Utah County. Members can also stop by the Family First Home & Business Loan Center located at 1178 S. State St. in Orem and speak with any member of the mortgage services department. Additional information can be found on the web at www.familyfirstcu.com.

ABOUT FAMILY FIRST FEDERAL CREDIT UNION

Family First Federal Credit Union has been providing excellent financial services since 1947. Branches are located in American Fork, Pleasant Grove, Orem, Springville, Payson, Lindon, with a Home and Business Loan Center in Orem, and offers online services at www.familyfirstcu.com. The credit union provides various mortgage services including construction loans, mortgage Fixing your Credit and home equity options. Anyone who lives, works, or attends school in Utah County, or has a family member who does, is eligible for membership.

Online banking fraud up 185%

Online banking fraud in the UK soared 185% in the first six months of the year to £21.4 million, according to the UK payments association, Apacs, reports Information-age.

Apacs claimed the dramatic increase was due to the success of phishing and spyware scams, with over 20 000 phishing sites set up in the first half of the year.While online banking fraud is booming, card fraud losses also reached a record high of more than £300 million, an increase of 14% on last year.Industrial Bank's e-business booms China's Industrial Bank announced its e-banking business volume takes up 35% of its whole banking volume, says Chinaknowledge.The cumulative transaction volume of its 30 000 online corporate clients totalled more than RMB8 trillion, while its 1.31 million retail online clients' transaction volume amounted to RMB125.8 billionThe Chinese lender has established an integrated e-banking platform combining online banking, phone banking and cellphone banking.Wells Fargo unveils vSafeWells Fargo has unveiled vSafe, an online document storage system for its banking customers, reports Internetnews.The system marks the expansion of its online offerings, which experience more than a billion transactions per year.The vSafe service will allow customers to upload, protect, organise and access electronic copies of their documents and personal materials, such as loan and tax documents, wills, passports, birth and marriage certificates, photographs, and digital audio and video files.

Find out more about UK Payday Loans

PaisaMatters.com Brings Home Loan Product Research Online

PaisaMatters.com (www.paisamatters.com), a Pune based start-up, offers seamless information through a single interface to facilitate online home loan product research process. It is a unique loan comparison website which empowers customers to make informed decisions and select the best suited loan product.

In addition to a simple and easy to use comparison engine, customers using PaisaMatters.com can benefit from the in-depth quantitative as well as qualitative comparison of product features. This website elaborates product comparison parameters that are critically important for decision making but are often ignored by customers either because of lack of information availability or lack of awareness. PaisaMatters.com offers a 360 degree comparative view of both fixed rate and floating rate home loan products.

Loan seekers access multiple websites or call multiple loan agents to avail of loan product information but don’t always get all the required details. With the launch of PaisaMatters.com, loan seekers will be able to access and analyze all the relevant information across various loan providers which will enhance customers’ experience significantly. Home loans offered by various financial institutions can now be assessed based on more than 20 parameters which include interest rate, origination fees, EMI, amortization frequency, prepayment charges, loan conversion charges etc.

PaisaMatters.com Key Features

- Summary comparison view of loan products matching customer's loan requirements

- Ability to shortlist loan providers for an in-depth comparison

- Detail comparison view of product features offered by shortlisted loan providers

- Ability to analyze various permutations of loan amount, loan tenure and loan options

- Ability to filter results based on financial institution types like public banks, private banks, foreign banks and HFCs

- Description of commonly used financial terms along with comparison data

- End -

PaisaMatters.com is impartial, information rich home loan research platform that enables loan-seekers make an informed decision and select the best suited loan.

Disclaimer/Privacy

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Neither your inquiry nor our response is secure; you should not (and we will not) include confidential account information in an e-mail message. We reserve the right to determine whether to respond to you via e-mail or, depending on the circumstances, by using a more traditional method, such as the U.S. Postal Service or by telephone. You may also contact us by phone, U.S. postal mail.

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We do everything in our power to protect user-information off-line. All of our users’ information is restricted in our offices. Only employees and advertisers who need the information to perform a specific job (for example, a real estate agent or loan officer contacting you) are granted access to personally identifiable information. Our employees must use password-protected screen-savers when they leave their desk. When they return, they must re-enter their password to re-gain access to your information. Furthermore, ALL employees are kept up-to-date on our security and privacy practices. Every quarter, as well as any time new policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our customers’ information is protected. Finally, the servers that we store personally identifiable information on are kept in a secure environment.

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IMPORTANT NOTICE AND DISCLAIMER
The purpose of this advertisement web site, like any advertising, is to provide coverage and publicity for the advertising company, its people, products or services. The information provided in this advertisement is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Verify all claims and do your own due diligence. This advertisement is not a solicitation or recommendation to buy, sell or hold real estate and does not provide an analysis of the financial position of the advertisers. We recommend you use the information found in this advertisement as an initial starting point for conducting your own research on the advertised company or person in order to determine your own personal opinion of the company or person before acting.

All statements and opinions contained in this advertisement are the sole opinion of the authors and are subject to change without notice. We are not liable for any real estate decisions by our readers. Readers should independently investigate and fully understand all risks before investing. It is strongly recommended that any purchase or sale decision be discussed with a loan adviser, real estate attorney, or real estate agent before completing any such purchase or sale decision. We are not licensed real estate agents, or mortgage brokers, or members of any financial, banking or real estate regulatory bodies.

The information contained in this advertisement is provided as an information service only. The accuracy or completeness of the information is not warranted and is only as reliable as the sources from which it was obtained. We disclaim any and all liability as to the completeness or accuracy of the information and for any omissions of material facts. This advertisement may contain hyperlinks to web sites operated by third parties other than us. Such hyperlinks are provided for the reader's reference and convenience only. We are not responsible for the reliability of these external sites nor are we responsible for any of the contents, advertising, products, or other materials on such external sites. Our inclusion of hyperlinks to such web sites does not imply any endorsement of the material on such web sites or any association with their operators. Under no circumstances shall we be held responsible or liable, directly or indirectly, for any loss or damage caused or alleged to have been caused in connection with the use of or reliance on any content, goods, or services available on such external site. Any concerns regarding any external link should be directed to its respective site administrator or Webmaster. We may refer to other sources of information, or other commentary. We intend to offer these items to readers as additional sources of information, but disclaim any implication that we endorse information contained in such outside sources. Any referral by us is no guarantee of the accuracy of any information provided by outside sources. As we disclaim any representation concerning source reliability, readers must contact information suppliers on their own and gauge to the reader's satisfaction the truthfulness of any source information. It should be understood that there is no guarantee past performance will be indicative of future results.

Any reference to past performance(s) of companies or people previously advertised are specially selected to be referenced based on the favorable performance of these companies and the companies referenced may not be representative of all past advertised companies as not all past advertised companies may have performed as well.

Since we may or may not have received compensation toward the advertised company or people, there is still an inherent conflict of interest in our statements and opinions and such statements and opinions cannot be considered independent.

The receipt of this information constitutes your acceptance of these terms and conditions. Reading this advertisement shall not create under any circumstances an offer to buy or sell real estate from any company or person advertised. Nor shall it create any principal-agent relationship between the reader and us.

Any statements that express or involve discussions with respect to predictions, expectations, beliefs, plans, projections, objectives, goals, assumptions or future events or performance are not statements of historical facts and may be forward looking statements. Forward looking statements are based on expectations, estimates and projections at the time the statements are made that involve a number of risks and uncertainties which could cause actual results or events to differ materially from those presently anticipated. Forward looking statements may be identified through the use of words such as expects, will, anticipates, estimates, believes, or by statements indicating certain actions may, could or might occur.

We encourage our readers to invest carefully.

Home Equity Loan Information

• Home Equity is the difference between your home's appraised value and the mortgage balance(s).
• Home Equity is built through either your home's appreciation or the reduction of principal on the current first mortgage.

The terms second mortgage and home equity loan can be used interchangeably regardless of being a fixed or variable rate or line of credit or fixed term. A home equity loan is a second mortgage and vice versa as long as either is secured by a lien on your home and is subordinate to an existing 1st mortgage. For more information, call us today at 1-800-943-9472.

Combining competitive rates, low closing costs, honest answers, and hassle-free service sets us apart from other home equity loan companies in our industry. Complete the simple home equity quote form or call us today and see for yourself. We are happy to provide you with a free quote.

Best student loan

In the present day competitive world, childrens education is the prime focus for all parents and students alike. Hence, it is important to know the best available student loans and the terms at which they can be availed.

Here is a brief discussion on the different kinds of student loans:

Subsidized Stafford Loan- Both undergraduate and graduate students can avail of this loan. A subsidized Stafford Loan means there are no payments required to be made until six months after the student ceases to be at least a halftime student. It is the responsibility of the federal government to pay the loan interest as long as the student is in the school at least half time. Interest does not accrue and payments do not begin until a six-month "grace" period transpires after the student leaves school. To avail of this loan, the student has to show a need for the fund by filing the FAFSA application.

Unsubsidized Stafford Loan- Both undergraduate and graduate students are eligible for this loan. However, unlike the subsidized Stafford Loan the students will have to pay the loan interest while they are still in school. Also it is not a needs based loan, so the students dont have to show any need for the fund. A student can choose to pay the interest or allow it to accrue and be capitalized (that is added to the principal amount of the loan).

Federal Perkins Loans Both undergraduate and graduate students are eligible for this loan. The student needs to show a financial need to avail of this loan. In this type of loan, the funds are given out by the school and hence it must be repaid to the school.

Federal PLUS Loans for Parents In this type of loan, parents are allowed to borrow up to 100% of their childs cost of education. Parents can avail of this loan irrespective of their income and without showing any need for the fund.

As much as the debt burden is a concern for the students- This type of loan has a variable interest rate and is eligible for dependent undergraduate students alone. These are first applied to tuition and fee. The student doesnt have to show any financial need.

Federal Consolidation Loans In this type of loan, borrower has the advantage of monthly payments and lower interest rates. The loan availed from different sources are clubbed together into a single loan with one repayment plan.

Federal Nursing Loans- This type of loan is available to the students of nursing schools. The borrower has the advantage of flexible repayment options. Cancellation of loans is at times allowed.

Federal Insured Student Loans - This loan is meant for those students who are not eligible for the other student loans.

Health Professions Student Loans This loan is meant for students pursuing courses in the fields of dentistry, optometry, pharmacy, veterinary medicine or podiatry. These are long term loans with low interest rates.

Private Student Loans In this type of loan, the credit worthiness of the borrower is taken into account. Unlike federal student loans, private loans aren\'t guaranteed by the federal government. While guaranteed student loans carry a fixed rate of 6.8%, there are no limits on the interest rates and fees private lenders can charge.

Top 20 Loans Companies

MyHomeEquity

United States

Home Equity Loans and Lines of Credit are becoming the financial solution for many Americans today. Their home equity loans and lines of credit rates are one of the most competitive in the industry and they do not charge the borrower closing costs, points or application fees.

Citibank is one of the first banks to offer a 30 year fixed rate home equity loan into market. This means lower payments for the customers per month and in the rising rate environment... Your revenue will grow as the need for fixed rate home equity loans continue to grow.

Cash Central

United States

Cash Central is one of the first online lenders to offer payday loans with state certified backing. With a team that pioneered the online cash advance industry, Cash Central has over 20 years of combined experience. Cash Central proudly maintain an honest, ethical, customer first-lending philosophy. No bait and switch. No over-promising.

Cash Advance Network

United States

Get a hassle free payday loan today!

• No Hassle Qualifying!
• No credit checks, No faxing!
• Instant online approvals!
• Completely confidential!
• Cash to you the next day!

It's simple, we provide payday loans and cash advances to help you pay your bills on time, have emergency cash, make needed car repairs, pay unexpected bills or for any other reason you may have. Our cash advance service is HASSLE FREE and FAST!!!

E-LOAN

United States

At E-LOAN, "Radically Simple" says it all. They are dedicated to providing the best lending and savings service possible. E-LOAN offer reduced paperwork; personalized service; the industry's strictest privacy policy; and no hidden costs.

Since their 1997 launch, E-LOAN has led the charge to protect consumers' financial privacy. They have lobbied Congress; they have helped change laws for the better. E-LOAN also assisted many in securing the loans they need. From its inception, E-LOAN has originated over $27 billion in consumer loans.

Two independent studies further tell the story. One, conducted by TRUSTe and The Ponemon Institute, ranked E-LOAN as one of the Top 20 most trusted companies for privacy in America. Another, conducted by The Customer Respect Group, awarded E-LOAN their highest rating in "Online Customer Respect Study" for North America's largest financial services firms.

CreditAndDebt.Com

United States

Located in the beautiful Salt Lake City, Utah, CreditAndDebt.com was formed in 1998 by a group of business people who had worked in the areas of credit and debt extensively. Experience ranged from working directly with the credit bureaus on credit restoration to contacting creditors to lower monthly payments and beginning the process of financial recovery.

CreditAndDebt.com have pooled together an intimate knowledge of the industry from an inside-out perspective and have researched and selected companies that they feel best benefit you.

CreditAndDebt.com is designed to give the customer access to the most relevant and commonly asked questions regarding credit, debt, taxes, mortgages, foreclosure, and many other credit related services. CreditAndDebt.com have pooled together many information pages assisting people with credit card debt, creditor harassment, low interest mortgages and other important money saving advice.

GetSmart

United States

GetSmart is a leading online financial marketplace, focused on smart consumers in a hurry. GetSmart provides a convenient, simple, secure way to save money for savvy consumers -- fast. they make your life easy with a short, two-minute form that immediately matches you with up to five high quality Lenders. And it's hassle free: No social security number is required, No Credit Check is Required, No cost, no obligation, no worries.

With a network of more than 200 Lenders across the nation, GetSmart can match you with Lenders that have great rates and some of the best loan products available. they continually work to ensure we have the breadth and depth of Lender partners to serve the needs of every potential borrower. Each Lender is selected and screened by them to ensure the highest quality of service, with a specific focus on quick responsiveness to your questions and unique needs.

GetSmart is a service of LendingTree, LLC located in Charlotte, North Carolina, the second largest banking and finance center in America. They know lending and work to get you: great rates, responsive service, low monthly payments to ultimately save you money.

GetSmart mission is to provide a simple, fast, and convenient way for you to save money on your next mortgage, refinance, or home equity loan.

LendingTree

United States

LendingTree is the leading online lending and realty services exchange that empowers consumers -- When Lenders Compete, You WinSM. Whether you're looking for a loan, a REALTOR®, or a new home, LendingTree can help.

LendingTree unique marketplace concept was created especially to: let consumers choose from up to four competitive loan offers from major, national, regional, and local Lenders across the U.S. When Banks Compete, You Win., connect consumers with a network of REALTORS® who can help you buy or sell your home. LendingTree REALTORS® represent major franchises and independents nationwide, so whether you're staying in town, or moving to another state, LendingTree can match you with a local expert!, provide a convenient 'one-stop-shop' destination for your home and loan needs by giving you choices, convenience and value while finding the loan or home that's perfect for you.

RoadLoans.com - Auto Finance Made Easy

United States

As part of a strong, stable financial institution with a 15-year track record, over 1200 employees and $4 billion in auto loan receivables, RoadLoans is backed by strengths you may not typically associate with a "dot.com" company.

RoadLoans was launched in June 2000 to help empower and educate consumers through the car-buying process. They specialize in financing and servicing new and used vehicle loans for customers with less than perfect credit. To date, RoadLoans has helped tens of thousands of consumers get into the car or truck of their dreams.

RoadLoans can guide you through the intricate process of automotive credit, and help get you up to speed about the benefits of securing a direct auto loan. At RoadLoans, everything they do is focused on creating enduring customer relationships. That's what we do best.

myAutoloan.com

United States

myAutoloan.com is a privately held, direct-to-consumer, internet-based auto financing marketplace that helps consumers take control of the auto research, finance, buy and drive process. Offering a wide range of products and services to simplify the search for information and funding alternatives, consumers are provided with a secure, confidential process to obtain up to four loan offers. myAutoloan.com facilitates the matching of lenders based upon customer needs via proprietary analysis and evaluation that is called "Preferred Placement."

Focused on auto finance, the company is dedicated to providing consumer choice for all aspects of the auto search, finance and purchase process. Capitalizing upon consumer market research, the shifting trends towards increased information prior to purchase, and wanting more decision making authority in the selection of auto financing, myAutoloan.com truly excels. This is accomplished by the establishment of a user-friendly site, easy access to detailed information, convenience, privacy and options for financing alternatives.

myAutoloan.com are recognized leader of the online Auto-Buying Life Cycle process providing innovative technology-driven solutions and resources that delight our customers and lenders.

Only Finance

United Kingdom

Only Finance is the UK’s fastest growing consumer website for comparing loan, mortgage, life insurance & credit card products. They offer the best possible range of financial products in the market to suit virtually all customer requirements via several simple search processes, from headline Best Buys to the most detailed requirements.

As a privately owned company, Only Finance have no allegiances to any banks or lenders and they are therefore independent and impartial.

With four out of five people paying over the odds for their borrowing requirements through existing loans, mortgages, credit cards & overdrafts, it is no wonder that more and more people are turning to Only Finance to save themselves time and money.

Only Finance provide a service that puts the customer first and allows the customers to compare the whole market to find the product that best fits their needs. It will save you money and it's easy to use. Although personal finance can appear complicated and full of jargon but saving money matters. You worked for it so don’t waste it. The difference between finding the best and worst product makes a huge difference. Simply getting the right deal to suit your requirements will increase your disposable income, providing you with more cash in your pocket each month.

PaydayUK

United Kingdom

A Payday Loan is a quick solution to a short term financial crisis. Many consumers favour Payday Loans over Credit Cards as it provides them with the funds they need now and no long term debt worries.

A Payday Loan with Payday UK will provide you with instant cash for any purpose.

You do not have to wait days or even weeks in some cases for a decision on your Payday Loan application.

Once they have received your completed application form, you will receive an instant decision, so you do not have to wait around for that accept or even reject letter to arrive in the post.

With Payday UK you know where you stand right from the start.

Savings.com

United States

Simply put, their mission is to help you save money everyday. Built on best-of-breed technology, they combine the best of comparison shopping, coupon search and free quote services to help you research and find the best savings opportunities for you. At Savings.com, you are in control of a vast array of resources to help you find offers and save money. From big ticket items like mortgages and credit cards to electronics, toys and gifts - they help you search for the deals you want, on the products and services you want. It's that simple.

Savings.com was founded in 2004. Designed out of frustration with the current state of shopping and discount retailers online, they have been determined from the outset to design and build a more comprehensive Internet destination where users like you can find and compare deals and offers in one simple, easy to use format. This is no small task, and they are refining and improving their approach everyday with the great feedback they get from you the customer. they know you don't want to search across numerous websites to find the best prices, coupons, and quotes for the products and services you want. Here they are working to solve your frustrations - combining the most popular categories and offers in one simple and easy to use location.

Located in Los Angeles, CA, they have built a team of experienced programmers, product specialists and marketers, who are dedicated to building Savings.com into the Internet's premiere savings and discount destination. More importantly, they are working everyday to expand thier list of deals and offers, and they are working in partnership with many of the Web's premiere publishers and retailers to bring you the best offers available from the most recognizable companies and brands you trust.

LifeLine

United States

LifeLine understand that not all debt situations are created equal. Because of this, they have developed a flexible program to give customers some options in getting help with debt.

Get Loan information’s online at BESTLOANINFOONLINE.COM

If you are searching for loan information online than you have visited the accurate website because, Bestloaninfoonline.com is a free, impartial online based comparison and switching service that helps customer’s, gives information about online loans, home loans, easy loan approval, best loan information, best loans for students and many more. Our aim is to help customers, take advantage to provide the best services.

An online loan is financing through the World Wide Web that allows one to obtain a loan without the hassle of going from lender to lender. Many bank customers can now apply for any type of financing simply by pointing and clicking. Online loans available are financing for car purchases, personal, mortgage and refinancing. Home loan allows consumers to receive financial assistance when purchasing a new house. The first step in finding the right home needs is to find what the current interest rates are and what the economic indexes are indicating. There are so many loans and lenders online, consumers can almost get a customized home loan package that fits their unique financial circumstances. Today, web lenders offer a new window of opportunity for small businesses and individuals that need an easy loan approval process. Such lenders offer the straightest line to business funding, at great rates and at the most convenience. Student loans provide a variety of deferment options and extended repayment terms. A student loan rate should be carefully reviewed and any contracts signed should be carefully entered into before a borrower is locked into an extended debt that must be repaid. Unemployed loans are an option that some lenders consider offering to people who are in desperate need of financial assistance but out of a job. Usually, rates offered for an employed person are considerably lower. An important fact of unemployed personal loans is that they are easier to get if the borrower owns a home. A best payday loan is a short term basis loan that requires the borrower to provide the lender with specific bank account and employment information for qualification of the financing. Those that desire a payday loan should proceed with caution when choosing a lender. Payday loans carry an extremely high short term interest rate or fee percentage. All these and many more information you will get on BESTLOANINFOONLINE.COM. It is a free, impartial online based comparison and switching service that helps customer’s gives information home loans, easy loan approval, best loan information, best loans for students & many more. Our aim is to help customers take advantage of the best services on offer from suppliers. Bestloaninfoonline.com is fairly easy to come by and new online banks are entering the market almost everyday. This is making the online banking market very competitive which basically means that you can find some extremely cheap online loans if you just know where to look. Once you have had a look at what is around, you will need to compare the online loans available to discover which one is best for you.

So, go and start searching for what ever information required. If you require any additional information’s which is not mentioned above than please visit our BEST LOAN INFO directory.

Student Loan Information Online

The Association of American Medical Colleges reports that the median debt for 2002 medical school graduates was $92,000 at public and $127,000 at private medical schools. Managing such a large debt load, especially when multiple lenders are involved, can be challenging. The following organizations offer online information on managing medical school debt, consolidation student loans, calculators and other tools, financial planning resources, and links to related Web sites.

Association of American Medical Colleges
www.aamc.org
The AAMC site features detailed information about several unsecured personal loans, including the MEDLOANS and MEDLOANS Consolidation Loan programs, and a glossary of frequently used financial aid terms. AAMC's DEBTHELP, Educational Debt Management Services for Residents, is designed for easy use by residents and the medical school financial aid officers and GME staff who counsel them on their student loans for bad credit. It includes "The Layman's Guide to Educational Debt Management for Residents and Graduate Medical Education Staff" (www.aamc.org/laymansguide), which provides current information on how to manage education debt. The information about debt management resources (www.aamc.org/debtmanagement) includes "You want to do what? A Primer on Loan Consolidation," and other debt management workshops offered throughout the country, as well as on video.

Access Group
www.accessgroup.org
The nonprofit Access Group offers a Medical Access Loan and a Medical Residency Loan. In addition to loan information and applications, the site features publications and interactive calculators.

American Medical Association
www.ama-assn.org
The AMA site has information on student loan consolidation, interest rates, and definitions of financial terms. The online Financial Aid Resource Guide provides links to numerous financial aid and debt management resources. AMA Solutions, a subsidiary of the AMA, offers financial management products for members, including debt consolidation (www.amasolutions.com).

Citibank
www.citibank.com
In addition to consolidation loans, Citibank offers CitiAssist loans for medical residents to cover board review courses, residency interviewing and relocation expenses. The Web site features online applications and information on rates, terms, borrower benefits and discounts.

Federal Direct Consolidation Loans

U.S. Department of Education
www.ed.gov
The Department of Education Web site has information on federal loan consolidation programs. Also see http://loanconsolidation.ed.gov and www.federalconsolidation.org.

FinAid
www.finaid.org
This comprehensive, award-winning Web site provides information about financial aid options, including links to other Web sites, lists of lenders offering education and consolidation loans, and a list of resources and books on debt management.

HRSA
www.hrsa.gov
The Health Resources and Services Administration Web site has applications for refinancing HEAL loans, information on rates, a refinancing calculator, and links to the U.S. Department of Education.

Medfunds
www.medfunds.com
Medfunds provides Stafford, residency relocation, and signature loans.

Nellie Mae
www.nelliemae.com
Nellie Mae offers several loans for graduate students, including MD-EXCEL, a residency relocation loan, and federal consolidation loans.

Sallie Mae
www.salliemae.com
Sallie Mae provides funding and servicing for student loans. It's offerings include the MEDLOANS program, the Alternative Loan Program for medical students, and the MEDEX loan program for residency interviews and relocation. The Web site has financial planning features, a loan calculator and access to accounts online.

Georgia Mortgage Refinances

There are several reasons to refinance a home in Georgia. Perhaps you would like to shorten the length of your current mortgage. Maybe you would like to change your interest rate. You might be considering using the equity in your home for remodeling projects or consolidating debt. Whatever your reasons for a mortgage refinance, there different options available to you.
Consider the Fixed Rate Mortgage, Adjustable Rate Mortgage, Interest Only Loan, Balloon Adjustable Rate Mortgage, or a LIBOR if you would like to adjust your interest rate.
A Fixed Rate Mortgage allows for the interest rate on your loan to remain fixed. This is a good loan to consider if you plan on staying in your home for an extended period of time. An Adjustable Rate Mortgage allows for the interest rate to adjust to the changes in the market. The Balloon Adjustable Rate Mortgage varies slightly to a typical Adjustable Rate Mortgage. In the first five to seven years you will pay a fixed interest - until that time is over and you will be the amount due. This and the typical Adjustable Rate Mortgage are good mortgages to consider when you plan to sell your home in a shorter period of time. There is also the option of a LIBOR loan (check this answer what is LIBOR loan), which allows for more competitive interest rates than an Adjustable Rate Mortgage. There are other types of loans to consider when refinancing
It is always a good idea to investigate the different loan options available to you when considering a home loan refinance. In addition, Georgia has certain laws pertaining to foreclosure consideration.
After learning about the different loans and Georgia law, it is time to select a broker. A good broker will present you with all of your loan options, be familiar with the Georgia law, and take the time to work with you on the details of each. Being prepared will aid you as you move forward in selecting the broker that is right for you..

Student Loan Consolidation Information - What Is The William D Ford Direct Loan Plan

At the time of researching your student loan consolidation information alternatives you need to examine the William D Ford Direct Loan Plan.

The Direct loan program began about 15 years ago and in reliable American fashion was used to remove the middle man, instead of having the banks, credit unions and other private businesses lend money to students and their parents, the Federal government loans the dollars directly.

Direct programs overlap in many areas, the alternative known FFELP (Federal Family Education Loan Program), the latter is the acronym for programs that work via private lenders, since they duplicate in a few ways the FFEL schemes, it is critical for lenders to target which program they want as both offer Stafford and PLUS loans, Direct loans have similar criteria for eligibility, they adhere to a similar need-based guidelines, or have similar credit check requirements for non-need-based services, providing similar programs according to a similar standard raises a natural question, how to pick between them?

In part the decision involves picking out which of two types to use, both provide customer service personnel to answer any questions, in a good number of cases the private lenders will be more flexible and helpful and the government more bureaucratic or indifferent, reading many of the forums, which can be accessed on-line could be the better way to obtain more information about which would best suit an individuals situation, with the growth of social networks it has become much easier to get a diverse set of views and opinions, many of these views are based less on objective criteria than personal taste, reading the posts may instantly allow a person to decide which side they favor.

More concrete differences between the two products do exist, though since FFELP loans are funded and serviced by private financial institutions who you sign a promissory note and could possibly not be who you re-pay the loan to, it is a basic practice for lenders to re-sell loans to other businesses, mortgage companies have been doing this all the time, you may have gone to the trouble to discover a lender and their services you like, you could have decided over and above the rate and repayment terms preferring their customer service and then for example finding the loan has been sold to another business, you may now be repaying the loan to a company you rejected, however in the situation of Direct loans since the Federal government is the lender the loans are not sold to any third party.

The most critical difference to many people will be the possibility that rates, charges and repayment terms could differ between the two, officially the interest rates of both Stafford and PLUS loans are fixed, nevertheless private lenders have some flexibility in other areas.

The lenders could possibly charge or not charge origination and insurance charges (officially assessed at 3% and 1% according to the Federal laws, which themselves are changing in the next few years). Though the fees are still there the lender may agree to absorb them in order to obtain your business, they could possibly modify the dates on which interest charges are calculated, or extend grace periods or lengthen the re-payment time.

The only way to find out what is available is to shop around much as you would for any other kind of loan and calculate the total cost of the loans, it is imperative to keep this information at hand when considering any student loan consolidation information.

All about Real Estate Bridge Loan

In today’s times, buying a home is no longer considered as an extraordinary thing to do. These days there are numerous financing options available in the market than ever before. The home buyer can now opt for loans, be it conventional loan or adjustable rate types. With so much variety of choices available, a home buyer can definitely find suitable loan for himself. While looking for a loan, a home buyer should keep his current financial situation as well as future plans, in mind. Many people dream of buying a house but only few of them can really achieve this goal. These days, many people want to buy real estate property but buying it entirely by cash is not practically possible to most of them by taking help of a real estate loan, their dream of purchasing a home can come true. With the real estate loan, one can easily plan and own a property for himself.

People opt for a real estate loan with various intentions. Some may want to invest in the real estate market by buying a corporative flat, others would like to reconstruct their existing real estate and some may plan to build a property. Various types of loans are easily available in order to fulfill their needs accordingly. One can easily come across many financing agencies such as banks and money lending forms who offer real estate loans to people. Since the money involved is much higher than the ordinary loans, there are certain prerequisites to obtain a real estate loan.

Real state loans can be categorized as a secured loan since the borrower needs to handle over a legal document to his lender. By this way the borrower and the owner of the new property transfers the collateral to the lender which acts as security against the offered loan amount. This produce is adapted since the lender is lending big money. Hence the lender wants his money to be secured and wants a sort of a guarantee from the borrower that it will be paid on time. It is with such kind of assurance deal that the lender accepts the loan to the borrower.

While dealing with real estate loan, one must be aware that the payback tenure or repayment period is another important factor while deciding on a real estate loan plan. One must also be aware of the fact that the longer the repayment tenure, the lower will be the installments and thus the borrower finds it easy to payback. There are two types of real estate loans. They are as follows:

1) Residential real estate loans:

Before a person applies for a residential real estate loan, he has to follow certain pre-requisites. Firstly, a residential real estate loan online application form has to be filled. Secondly, his last financial statement and his latest income tax return documents have to be furnished. He must also be in a position to submit one guarantor’s most recent individual financial statement and latest individual tax return.

2. Commercial real estate loan
The prerequisites before applying for the commercial real estate loan are as follows:

1. The commercial real estate online application loan online application form has to be filled up followed by the real estate appendix.
2. The present company’s financial statements and latest tax return needs to be furnished.
3. Finally, guarantor’s most recent individual financial statement and latest individual tax return has to be handed over.

Direct Loans & How to Apply

The Direct Loan Program is one of the Federal Student Aid (FSA) programs offered by the Department of Education, and it provides students with a simple, inexpensive way to borrow money to pay for education after high school. You apply for FSA by filling out the Free Application for Federal Student Aid; you can use the paper FAFSA, but we recommend using the online version, FAFSA on the Web.

If your school participates in the Direct Loan Program, you'll then need to complete a master promissory note (MPN) to get a Direct Loan. The MPN explains the loan terms and is the legally binding agreement that you will repay the Department.

Loan Counseling The Direct Loan Servicing site has online entrance and exit counseling tutorials that you can take if you are or will be a Direct Loan borrower.

Check out the Frequently Asked Questions and the Glossary to see if they answer any questions you have.

Publications To find out more about the Direct Loan Program, check our library of publications for borrowers, including the new entrance and exit counseling guides and the basics brochures. These publications will tell you more about how much you can borrow and your rights and responsibilities when you're repaying your loan.

Interactive Calculators Use the budget calculator to enter your estimated income and expenses and find out how much money you'll need for the school year. Then use the repayment calculators to compare the initial monthly payment amounts you would make under the various repayment plans.

Repayment Plans There are four types of repayment plan - standard, extended, graduated, and income contingent - so you can choose the one that is best suited for your situation.

Avoiding Default Because the financial consequences for default are severe, you should do all you can to avoid it. Deferment and forbearance are options that might help you as you repay your loans. Also, as mentioned above, you can choose the repayment plan that is best for your financial situation.

Servicing Your Direct Loans If you already have a Direct Loan, the servicing site is your one-stop center for managing your loan. Make online payments, take online loan counseling (as noted above), view your account balances and payment history, change your billing options, enroll in electronic services, learn about default management and deferment and forbearance, and more.

Consolidation Applications Consolidating your loans can be a great way to simplify repayment and lower your monthly payments. If you have a Direct Loan, you can consolidate it with other student loans. To find out more, visit our consolidation webpage.

The Best Way to Get a Secured Bad Credit Loan

Have you been turned down time and time again for an unsecured loan? You might still be able to have the loan you need by applying for a bad credit loan by using collateral. This type of loan is called a secured loan because it is secured by some kind of collateral. The collateral assures the lender that you are going to pay the loan back. If the loan is not paid back in a certain amount of time then the lender will have the right to keep your collateral, and sell it for the repayment of their loan. A secured loan is designed for people with no credit history or who have had past credit problems. The benefit of a secured loan is that, because the loan is guaranteed, the loan will probably have a very low interest rate, much lower than what a loan without collateral would have.A lender usually requires that the collateral be some type of real estate and in some cases an automobile. The collateral usually needs to be of greater value than the amount of the loan you are requesting. Generally speaking you don’t need to leave your home, or stop driving your car, if it is being used as collateral. Usually the only requirement is that you sign a contract that gives the lender the right to the title of your vehicle or home should you not be able to pay the loan back. When you are in default of the loan, the bank can either repossess (take)your vehicle or foreclose (take) your home.Although most lenders will only use vehicles or real estate as collateral, there are some lenders who will use jewelry, collectibles or rare coins as collateral. Although when a lending institution uses any of these items as collateral, they will usually hold the item for the duration of the loan. If the loan is not paid, then they are usually taken by that institution.Finding a Bad Credit Secure LoanMost high profile lenders such as banks will only take real estate as collateral for a secured bad credit loan and do not deal in second mortgages. Smaller finance companies that deal with secured loans can be found on the internet or in your local yellow pages. Newspapers are also a good source to start your search. Make sure you shop around and compare prices and terms of repayment with different finance companies. There are many sites on the internet that provide you the opportunity to request a quote from several lenders at the same time at once.As a general rule when you submit a request for an online loan quote, many finance companies will get in touch with you. That is actually a good thing because that way you will get a better idea of what each company has to offer, and then pick the appropriate one for your needs.

Home Loans Online - Top Websites:

Because home loan companies and rates are very competitive, we try to make your online home loan search experience easy. InfoFAQ has determined the top home loan websites for consumers and provided links and information about these quality websites.

Some of the Top Home Loan Websites Online

Here are some of the top websites on the Internet for buying Home Loans:

Quicken Loans Offers simplified home lending and low mortgage rates. http://www.quickenloans.com

Fannie Mae Provides financing for the multifamily and single-family housing market throughout the United States. http://www.fanniemae.com/

HSH Associates Publisher of mortgage rates and consumer loan information. http://www.hsh.com

Interest.com Consumers can locate lenders and comparison shop for low mortgage rates. http://www.interest.com

Mortgage.com Mortgage banking firm offers real estate lending nationwide. http://www.mortgage.com

Loan Information

Requesting a loan must be done online for the 2007-2008 academic school year. Request a loan only after you have carefully reviewed your financial aid award packet, the award letter, and the amount of loans offered. Included in each award packet is the Cost Estimate Worksheet. Please review the Cost Estimate Worksheet in order to estimate the annual costs associated with the academic year and plan accordingly.

STUDENT Stafford Loan - If you are awarded a Stafford Loan and would like to accept it, you can accept any amount up to but not exceeding the amount on your award letter.

• Review the Award Letter.
• Go to the online Lender List to Best Loans Information Be sure to request the annual amount desired.
• Simpson University will receive confirmation of the loan request. As prompted, please complete and e-sign the Master Promissory Note online.
• If you do not request a loan, Simpson University will decline it on your behalf.

New Borrower - If you are a new, first-time borrower, you are required to complete online entrance loan counseling with EdTest to better understand the Stafford Loan. Failure to complete the new borrower meeting will result in delayed processing of funds.

Previous Borrower - If you have already borrowed a Stafford Loan, we recommend that you use the same lender you have used in the past. If you choose to select a different lender than previously used, you must complete a new Master Promissory Note, or your loan funds may be delayed.

PARENT Plus Loan - If you are the parent of a dependent student, you will have the opportunity to help with your student's cost of college by taking out the Parent PLUS Loan. You can borrow any amount up to but not exceeding the amount on the Award Letter.

Important facts to remember: (1) Only one parent should request the loan; (2) requesting a PLUS loan does not obligate the parent to take out the loan; and (3) it is necessary to request the loan even if you believe you may be denied, as the student may become eligible for an additional unsubsidized Stafford Loan through a denial.

• Review the Award Letter and compare it to the Cost Estimate Worksheet; analyze the annual amount you will need to request (deducting the 3% Origination Fees).
• Go to the online Lender List to Home Loans Be sure to request the annual amount desired.
• The Parent PLUS Loan request is a three-step process: (1) fill out the required confirmation form; (2) fill out the required pre-approval credit check; and (3) e-signing the Master Promissory Note. If you are a continuing parent borrower (at Simpson University), be sure you are the same borrower from the previous year as continuing borrowers only need to complete the confirmation form and the pre-approval credit check.
• If you do not request a loan, Simpson University will decline it on your behalf.

Federal PLUS Loan for Graduate Students - Once you have requested the full amount of your Stafford Loans, you will have the opportunity to help with your cost of college by taking out the Graduate PLUS Loan. You can borrow any amount up to but not exceeding the amount on the Award Letter.

• Review the Award Letter and compare it to the Cost Estimate Worksheet; analyze the annual amount you will need to request (deducting the 3% origination fees).
• Go to the online Lender List to Online Loan Company Be sure to request the annual amount desired.
• The PLUS Loan request is a three-step process: (1) fill out the required confirmation form; (2) fill out the required pre-approval credit check; and (3) e-signing the Master Promissory Note.
• If you do not request a loan, Simpson University will decline it on your behalf.

Getting A Car Loan Online Will Save You Time & Money

When you'd rather enjoy a less stressful car search, you can turn to the Internet to make this journey much easier. This is when comparison-shopping and a wealth of competitive car loan quotes may be analyzed. For some, the ease of shopping around at their own pace is one of the greatest advantages to using online resources to ake car purchases, as well as compare and select car loan options.
and sealing the deal, you may feel pressured when selecting a car and finding a way to pay for it. Unless you are extremely wealthy and have extra cash on hand to make lump sum payments, potential car owners usually seek a car loan or some sort of other financial assistance to obtain the vehicle of their choice.

All the information is right there, easily accessible through the simple click of a mouse. A never-ending supply of helpful websites will present all of the information and details needed to make smart, informed decisions. You will also be able to choose the car- purchasing path of your making, avoiding the persuasive car salesperson.

The Advantages of Online Car Loans

When using the Internet to secure an online car loan, you will reap the benefits of a cost effective and time saving system. The proof is in the pudding when comparing the car loans and payments for an online loan to that of the local dealership. Let's say you obtain a quote from the dealership in your neighborhood. Next, do a little research and compare some of the prices offered on the Web. On the average, you may find a 3% increase in car loans and car payments when dealing with your not-so-friendly neighborhood car salesman.

Not only does a credit line history and an income have something to do with the way dealerships treat their customers, but also they are able to read your face and body language when it comes to making a deal. If they sense desperation or apprehension, there is a pretty high chance that they will take advantage of this intimidation with the loan process and treat you accordingly. They may even prey on a bad credit history to present the slightly higher percentages as a refreshing alternative to being rejected for a car loan. If you are unaware of all of the choices available when purchasing a car, you may be fooled into believing you are getting a good deal, when in actuality, the Internet provides a much better approach to obtaining a car.

Today, online car loan lenders tend to provide some of the lowest rates when it comes to car loans. Reputable, professional car loan websites will also offer an array of car loan options, including links on comparing existing rates. It is a timesaving procedure that you will not receive from an eager car salesman. Many car owners who have obtained a car loan through the Internet also boast how much cheaper it was to go through the process. Unlike banks and dealerships, online car loan sites often do not charge a processing fee for applications.

Where To Find Online Car Loan Resources

The Internet is filled with numerous sites promoting the benefits of online car loans, as well as resources that allow you to research, as well as purchase a new or used car. So let your fingers do the walking and use the internet to shop for your next car loan.

Selling a car online

There are a number of different ways to sell your car over the Internet but the most popular way by far are online classifieds.

Online classifieds work in a similar way to the classified advertising you see in your local newspaper. Sellers place ads, hoping to attract potential buyers, who then arrange to view and, hopefully, purchase the vehicle.

Online classifieds do have one major advantage over paper classifieds, that being the number of potential buyers you can attract. Your customer base is almost endless, limited only by the number of Internet users willing to view your advertisement, rather than the number of people who read your local paper.

Online classifieds are generally very flexible with most providers offering a choice of different types of ads. Some may even offer a free, basic advertisement with no frills and most give the option of a premium ad listing, including photos, priority in searches and a more visual ad.

You can choose to advertise your car just in your local area by selecting a local classified site. Alternatively you could decide to advertise state or country-wide, attracting hundreds or even thousands of potential buyers.

How do I do it?

First, decide which site or sites you wish to advertise on and what kind of ad you want. You must have a very good idea of how much your car is worth before placing your ad so make sure you do your research first. Be realistic. Overpricing is the most common reason for failed classified ads.

If your ad allows photos take your time and make the car as presentable as possible before taking them. Tidy up any areas around the car that will be seen in the photo too. First impressions count. Use a variety of different photos showing as many of the car’s best features and selling points as you can.

When writing your ad, mention as many features as you can in the space allotted to you. Prioritise the features as well. You might love the fact that your car is red but most sellers will be more interested in the engine size, fuel consumption or whether it's four-wheel drive or not.

Be specific with your terminology and avoid pointless phrases such as “great car”. Be sure to include a couple of different types of contact information. If people can’t reach you, you might miss the sale. An email address and phone number should be standard.

Above all, be honest. Liars always get caught out.

Will I get a good price?

In general, purchasers expect to pay less for a privately advertised car than they do for a car sold through a dealership. You can also expect people to offer less than your advertised price.

However, if you're considering trading-in your old car at a dealership as part payment for a new model, bear in mind that you will generally not get as good a price as you will if you go through the process of selling it yourself. Dealerships are in the business of making money and they also need to on-sell your old car after taking it off your hands. Car dealers will never offer a trade-in which is equivalent to the actual value of the car.

The Best Home Improvement Loans

Whether you need minor repairs, extensive remodeling or a new pool, you can give yourself a safer and more comfortable home with our online home improvement loan process. Our low interest home improvement loan can help you enhance your home for higher resale value or extended personal enjoyment.

Compare Home Improvement Loans: Information and The Facts

A low interest home improvement loan with a competitive rate can be a tax-deductible way to improve your home and increase the value of your property. Typically, there are no restrictions for home improvements, as long as they are within the boundaries of local building requirements. The best home improvement loans are fully amortized with a fixed rate placed in second position on the title of your home. Because an online home improvement loan is essentially an Loans Online or second mortgage, a major advantage is your ability to write off the interest on your payments. Compare home improvement loans to find the one that fits your situation best.

The Process of a Home Improvement Loan Quote

Complete our easy online form LoanWeb will search hundreds of lenders and thousands of loan programs Multiple lenders will contact you with a home improvement loan quote and compete for your business START HERE