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Mortgage Auction (or Lead Generation) Sites
May 20, 2002 I Do Auction Sites Work For Borrowers? "You have discussed internet referral sites and individual lender sites, but I don?t see any reference to Lending Tree, which does a lot of advertising. Where does it fit?" Lending Tree is what I call ... more...

When Co-Borrowers Split
July 19, 2000 "I am going through a divorce, and have agreed to stay on the mortgage for 3 years. At the end of that time, my ex-wife can refinance the house in her name.  How much will this impact my buying a new home during the 3 years?" The loan will show ... more...

apply for credit related definitions

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...

Truth-In-Lending, TILA
Truth-In-Lending A federal law requiring disclosure of the Annual Percentage Rate to home buyers shortly after they apply for the loan. Also known as Regulation Z and Truth-In-Lending-Act (TILA). Requires disclosures about its terms and cost and gives consumers the right ... more...

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Get Free apply for credit Quotes and Estimates

Get instant on-line mortgage rate quote and closing cost estimate. Only put your loan numbers. No contact info required. Compare offers from top mortgage lenders... more...

Why Get a Home Equity Loan?
If you're a homeowner, chances are that you've been deluged with offers from finance companies to lend you money based on the equity you have invested in your home. A home equity loan is a loan extended to you that is secured by your home. The amount of the loan is based on how much 'equity' you ... more...

Building Credit and Stopping Creditors
Building your credit is a sure-fired solution for stopping creditors and collection agencies from nagging you every day. If you are attempting to reestablish your status in life, you must realize there is a bumpy road ahead. Creditors are people you owe and if you do not pay, the creditors will go ... more...

Credit Building Strategies
IF you are attempting to build your credit there are many strategies we can look at to help you get started. If you have no credit, bad credit or good credit, building credit is important since regardless of your situation, you do not want to go down.Strategies for Building Credit:If you do not ... more...

General Tips on Credit Cards
Credit card or plastic money is omnipresent today. Today they are treated as more of a necessity than just a commodity. Thus it is essential that you not only use them properly but also take proper care of them. The following list is a compilation of some tips on credit card management:1. Never ... more...

Personal Loans Financing No More Will the Needs have to Starve for Fulfilment
You were shocked when your application for personal loan was rejected. You had always used a particular bank for all your finance related requirements. But this time you decided to access another bank to finance the personal loan requirement and had to face the refusal.The refusal is not an issue ... more...

Home Improvement Loans Transforming Brick and Mortar
There is no courage in living an existence where you are constantly dissatisfied. Accepting your current resident as package you cant exchange is a myth. On the contrary it is true that not everyone has available money to finance home improvement. Home improvement loans enable every resident to own ... more...

Home Mortgage Loans For People With Bad Credit
Getting a home loan with bad credit has actually never been easier than it is today. Here are some tips to help improve your chances of success:Find A Good Real Estate Deal If you can find a property that has some equity in it when you purchase it, you may have an easier time getting financing on ... more...

Payday Loans - Bridging The Void Between Paychecks
Emergency - the word is written everywhere in red and considered a danger sign. We all are afraid of what we will do if we encounter this emergency. The word emergency is usually associated with money. Generally a crisis situation involves the money issue. The payday is too far and you need money ... more...

You Are Your Credit Score's Worst Enemy
When applying for loans, credit cards, or even trying to lease a new apartment your credit score is the major determinant of how well you will fair. Ironically very few people know what their credit score is and are not aware of the fact that they may be doing various things to hurt their credit ... more...

Bankruptcy - Is It The Right Choice For You?
Bankruptcy is one of the tougher choices we as adults face in todays society where it is the norm to be in debt, albeit some more so than others. Credit card offers materialize whether you are looking for credit or not. All with their own perks and benefits may sound tempting enough to open and ... more...

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