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Fixing the Mortgage System So It Works For Borrowers
September 5, 2005 In some respects, the United States housing finance system is the best in the world. In other respects, it is unworthy of a banana republic. Our housing finance system has a primary market and a secondary market. The primary market is the market the borrower ... more...

Refinancing With Two Mortgages
September 4, 2000 "I have an 8.75% first mortgage with a balance of $151,000, and a 12% second mortgage with a balance of $37,300.  The second mortgage brought our total mortgage debt above the value of the property at that time, which is why the rate is so high. Our ... more...

mortgage quotes insurance loan loans interest information credit related definitions

Negative Amortization
Negative Amortization Negative amortization, also known as Neg Amortization, NegAm, NegAmMort, occurs when borrower pays back less than the full amount of interest owed to the lender each month. The difference betweeen full interest and paid amount is added to the total amount ... more...

Equal Credit Oportunity Act
Equal Credit Oportunity Act (ECOA) Is a federal law that requires lenders and other creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status or receipt of income from public assistance programs. ... more...

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A Basic Guide To Home Contents Insurance
Basically, home contents insurance is insurance protection against the replacement cost that you would otherwise have to pay to replace the contents of your home in the event of then being lost, damaged or stolen. As is the case with home buildings insurance, the main factors contributing to ... more...

Getting Cheap Term Life Insurance
Many people considering life cover will look for cheap term life insurance, because it is probably the simplest and least expensive way to protect their partners and familys financial future in the unfortunate event of their death.If you have dependants or a mortgage, then it makes sense to take ... more...

Debt Consolidation Loans for Bad Credit to Delay the Further Worsening of Credit
The importance of debt consolidation loans can be best understood by people who are suffering with bad credit history. Debt consolidation loans for people with bad credit provides a manner in which they can prevent their financial condition and credit status from further deteriorating.A debt ... more...

A Guide to Getting a Home Improvement Loan
If you've got a few things around the house that you'd like to spruce up but don't have the money for, you might want to consider getting a home improvement loan. As the name implies, a home improvement loan is designed to pay for improvements to a house or other form of real estate.The house and ... more...

A Guide to Quick Homeowner Loans
The search for quick homeowner loans can seem futile at first, especially if you don't know exactly what it is that you're looking for.Different lenders may take longer or shorter periods of time to make loan decisions, and the time that they use may be time that you desperately need.Quick ... more...

Consumer Debt Solution - Analyzing Your Options
You have several options to reduce your consumer debt. You can take the do-it-yourself approach by consolidating debts into a low rate loan. You can also find help through companies that management payments or negotiate debt elimination. Each option has pros and cons, and should be analyzed ... more...

How Do I Lower My Auto Insurance Premiums?
It seems as though the price of everything is on the rise. The amount a house may have cost in the early 70s is how much you will pay for a new car in the 21st century. Oil companies have used the problems in Southwest Asia as an excuse to send gas prices through the roof. And the cost of peace ... more...

The Need For Life Insurance
A person needs to reexamine their life insurance needs every few years because as our life events change so do our needs.When starting a family, a person needs to consider starting a life insurance policy. In the event that death occurs to one of the parents, there needs to be some insurance that ... more...

Uncle Sam Wants to Know Where You Are Going!
It is no secret that US International Travelers are at risk in the world today. However this cannot be a major factor in your decision to travel. Travel for many people including myself, is a chosen addiction. For some of us, we feel that a small part of us would be lost if we were not able to ... more...

A Guide to Direct Homeowner Loans
Are you considering applying for direct homeowner loans? Perhaps you're simply wanting more information on direct homeowner loans so that you'll be able to make an informed decision?Direct homeowner loans can be very useful for a wide variety of purposes ranging from purchasing new vehicles to ... more...

Used Car Loans - 3 Tips For Financing Your Used Vehicle Online
Financing the purchase of a used vehicle can be done through the convenience of online car loan lenders. Through their websites you can request quotes, compare terms, and even apply online. Online car loan lenders save you time and money by making financing shopping easy. The following three tips ... more...

Car Loans for People With Bad Credit
Car loans for people with bad credit are readily available online. After completing an online car loan application, you can expect an approval within a few minutes. By the next day, you can have check in hand to purchase your vehicle.Car Loans With Bad CreditIf you have bad credit, then expect to ... more...

Make Sure Your Credit Report Is Correct to Improve Your Interest Rates And Lower Insurance Premiums
Did you know that you could make sure to get the best rates on your auto and homeowners insurance simply by having a good credit score.Additionally a great credit score will allow you to get the best interest rates on your credit cards, car loans and even your home mortgage. With interest rates as ... more...

Car Loan Refinancing - When To Refinance Your Car Loan
Want to save money? Lower your monthly payment? Then refinance your old car loan. Trade in your high interest rate loan for a lower rate, especially if your credit score has improved. You can also lower your payments by extending your loan terms, helping your cash flow.Trading In High RatesWhen ... more...

Getting Life Insurance Advice
We all know that if you have dependants or a mortgage, then it makes sense to take out life insurance however, as there are so many different types of life insurance to choose from, it is always a good idea to get life insurance advice.Choosing and getting the right life insurance policy is of the ... more...


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