Follow A Few Simple Steps To Make Shopping For Your New Home Loan A Little Easier
It is likely to be one of the largest purchases of your life, and it can be extremely nerve racking and overwhelming. Buying a new home! Whether you are buying your first home, or moving to a new home; purchasing a home and shopping for home loans is a major decision that requires a lot of time and ... more...

Understanding Credit Card Debt Consolidation Loans
If borrowers are asked to vote for the most striking feature of credit cards that appeals them, then increased spending power ought to bag the largest number of votes. In fact this is a feature that distinguishes credit cards from cash, cheque, and the newly launched debit cards. Credit cards allow ... more...

Procedures in Selecting the Best Home Loan
A home is made of hearts. Inside the strong compound of bricks and cement, a home narrates a story- the story of past, present and probable future. It is where one finds pleasure, hides sorrow and dreams for the incessantly moving seconds. It is contentment when a home becomes a reality.John Payne ... more...

Adjustable Rate Mortgage Use Rising Interest Rates to Your Advantage
You found your dream house; however, qualifying for a traditional fixed rate mortgage is proving to be difficult. Your debt-to-income ratio may be too high or your credit score might be too low. The same might be true of the existing mortgage holder that wants to refinance and cash out equity in ... more...

15 Important Credit Card Terms to Consider Before Applying for a Credit Card!!
If you don't understand the language, credit card offers and statements could lead you to deep debt -- or at least furious frustration. For the big scoop on the fine print, here's what these frequently used credit card terms mean.1.Average daily balance -- This is the method by which most credit ... more...

Decision Time: Home Equity Loan or Home Equity Line of Credit?
Home equity loans and home equity lines of credit continue to grow in popularity. According to the Consumer Bankers Association, during 2003 combined home equity line and loan portfolios grew 29%, following a torrid 31% growth rate in 2002. With so many people deciding to cash in on their home's ... more...

Home Mortgage Loans - Fixed Rate, Adjustable or Balloon, Which One Is Right For You?
When you're shopping for a new homeespecially for the first timeall the terms and expressions may be confusing and difficult to understand. Adjustable rate, fixed rate, balloon payment - how do you decide which is the right type of home mortgage for you if you're not even sure what each of them are ... more...

Low Home Mortgage Interest Rate - Finding the Best Mortgage Rate
Interest rates are at an all time low, making now the perfect time to purchase a new home or refinance your existing mortgage. The interest rate you receive will depend largely on your credit rating, monthly debt, and your income. Mortgage loans are typically 15 to 30 years in length and will ... more...

Banks and Monetary Policy: the Mechanics of Interest Rates Setting
We hear a lot about interest rates, and not only in my professional field of expertise. Interest rates are everywhere to be found in our daily lives: credit card interest, interest on deposits, car loan interest, personal loan interest, treasury bond interest. The other day I received a spam e-mail ... more...