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links

www.moneyexpert.com/Compare-Loans.aspx

en.wikipedia.org/wiki/Loan

www.eloan.com/

www.loan.com

www.moneysupermarket.com/loans

www.rebuild.org/loans.html

Hard Money Loans 101

A loan is considered a popular way of funding the acquisition of property such as a car, house, or any other necessity. There's a rate on the loan which is called an interest rate. Hard money lending concerns providing short-term loans which are based on the property's worth known as the collateral. Hard money loans are also called channel loans or bridge loans and are often for short terms which can extend from a couple of weeks to 3 years.Understanding Hard Money LoansGetting a loan for purchasing a real estate is concerned with hard money lending. By employing the equity of the borrower in the property, up to 65% of the value is generally loaned to borrowers by hard money lenders. Hard money loans can be used to purchase either residential or commercial properties. They're sometimes referred to as non-conforming loan.The category for hard money lenders is considered clear-cut. The loan is usually based on the evaluated worth of the particular property. The amount of the loan is the price upon purchase when purchasing a real estate. When hard money is required for refinancing, the worth is confirmed by an appraisal and the purchaser should provide a considerable down payment.When exploring for hard money loans on an existing mortgage, the borrower must give the needed information on the date of purchase and what its price was to the lender. A new appraisal must show an enhanced value of the real estate depending on the section and the appreciation rate plus the enhancements.Pros and ConsHard money loans involve interest rates that are somewhat higher since they do not conform to the usual standards. However, the interest rates of hard money loans differ from company to company and are influenced by the borrower's credit rating and the value of the property. Prepayment fines, application fees, and closing charges are a few of the other factors that affect the interest rate. Most lenders sometimes check the credit history of the borrower before they grant the loan application. Searching for a hard money lender in local places to acquire a quote is the best way to evaluate and compare the rates. The interest rates of hard money lending are higher than other kinds of loans because these can range between eleven and sixteen percent.The Trend of Hard Money LoansHard money lending is usually made by borrowers who want a short-term loan to sustain their projects financially or make instant commercial purchases. Hard money loans are sometimes used for commercial property purchases, where the borrowers can instantly close on a certain property or recover a real estate from foreclosure plus securing a long-term finance.Hard money lenders operate in a local or regional market, or may have an broad national presence while borrowers can reach brokers who represent a certain lender. The brokers may then charge a commission in the figure of the percentage of the loan amount for their service in taking control of preparing and submitting the needed loan papers. There are also quite a few online listings that provide links for borrowers who are looking for hard money lenders.

Student Loans Consolidation

What You Should Know :
Student Loans can be a heavy burden. Student loan default rates continue to be high and are a growing problem. A default on a student loan can wreck havoc with a young person credit score, when they are just starting out. What is Student Loan Consolidation?Student loan Consolidation can help, not only in avoiding default but in making monthly payments more manageable. According to the Higher Education Act, just about every kind of Federal Family Education Loan (FFEL) or Direct Loan is eligible for consolidation. Both undergraduate and graduate school student loans qualify. There are a few specific exceptions and these can be found listed at www.loanconsolidation.ed.gov. These federal programs make student loan repayment easier by combining several types of Federal education loans regardless if they have different terms, different repayment schedules - even if they have been made by different lenders – into one often lower interest loan. In addition, the monthly payment amount on a consolidated student loan is usually lower and the schedule of payments is usually extended to one that is more reasonable. These features are designed to create a much more manageable debt and should make borrowers less prone to default. Is it Right For Me?Just about anyone with outstanding student loans can benefit from consolidation. However you need to seriously consider it if:Your Monthly Payments Have Become Unmanageable. If you are in danger of default, if you have had trouble meeting your monthly payments, and have exhausted your deferment and forbearance options, student loan consolidation should be serials y considered. There are online calculators available that can help you determine what you new payments would be under the various program available. You have Multiple Payments to Multiple Lenders. If you want to avoid the hassles of sending different payments to different lenders every month with a Direct Student Consolidation Loan you wile b making only one payment to one lender every month You have Variable Interest Rate Student Loans. The interest rate for a Direct Consolidation Loan is fixed for the life of the Direct Consolidation Student Loan. Interest rates on consolidated student loans are calculated by using a weighted average of the interest rate on the loans being consolidated and have a cap of 8.25% Should I use a Student Loan Consolidation Service?Consolidating your student loans through the US Department of Education is free and anyone can apply. However if you realize you will benefit from student loan consolidation, or are seriously in over your head and facing default, you may want to consider using the services of a professional lender that specializes in student loan consolidation. They have the ability to look at multiple loan programs available from multiple lenders and not just the programs available from the federal government. A professional Student Loan consolidation company can quickly and easily assess your situation and match you with a consolidated loan that is right for you and your financial situation.

Consolidate Student Loans

The Advantages
If student Loan debt is a heavy monthly burden on you or your family, you are not alone. And if the monthly payment is becoming so unmanageable that you may have already missed payments or be in danger of default, then loan consolidation may be right for you. A consolidation loan is just what it sounds like. With a loan consolidation program your high interest student loans are combined into one sometimes lower interest loan, with one lower monthly payment, that you need to make to only one lender. Consolidation Loans are much like the same idea of refinancing a mortgage, or taking a home equity loan to consolidate credit card debt or pay off other high interest loans. Just about every kind of Federal Student Loan qualifies for loan consolidation including; FFELP, FISL, Perkins, Health Professional Student Loans, NSL, HEAL, Guaranteed Student Loans and Direct loans. In some instances loan consolidation is even available for private education loans as well. Loan consolidation is offered for student loans for either graduate or undergraduate schools. Interest rates on consolidated student loans are calculated by taking a weighted average of the loans being consolidated, and are then rounded up to the nearest 1/8 of a percent. The new interest rate cannot exceed 8.25%.So for example let's say that a student has a couple of Stafford Loans that were originated on or after July of 2006. The fixed interest rates on these loans would be 6.8%. If only these loans are consolidated the new resulting interest rate would be 6.875%, a statistically insignificant increase, but the student would gain the advantages of only having to pay a single lender, and often gets extended time for pay back. In the case of consolidating mixed loan products, like say a combination of Perkins Loans and Stafford Loans, the resulting interest rates will always wind up somewhere in between. The weighted average will give you interest rates that are lower than your highest rated loans, but that will also be higher than your lowest loan products. So again the overall increase or decrease in your interest rates will be negligible – the true advantage of loan consolidation is not necessarily in lowering interest rates, but in actually lowering monthly payments, and extending the term of your loans, making your student loan debt more manageable, and less likely to result in default. Keep in mind the other advantage to loan consolidation is that there are no fees or costs associated with consolidation, ever. If any service is charging any kind of upfront fees for loan consolidation, they are likely a scam and should be avoided. Student or parent borrowers can apply for a consolidation loans, however parent loans cannot be combined with the student borrower loans, only loans to the same individual can be consolidated. But of course a parent borrower and their students can consolidate their own loans separately. Even loans that are in default but with satisfactory repayment arrangements, may qualify for loan consolidation.

Student Loans 101

Student loans have become a common form of financial aid, giving prospective college students the opportunity to further their education. What's even better is that college student loans now come in a variety of shapes and forms to appeal to more college candidates that have different needs and qualifications.The United States Government works hard to provide eligible students with an equal chance to gain access to federal student loans regardless of bad credit or past financial hardships. Private student loans are also offered to students through banks and other financial institutions based on specific criteria, such as financial need and grade point average. Student borrowers also have the option of student loan consolidation as these loans mature. Although there are distinct differences between federal student loans and private student loans, some pros and cons common to all college student loans are covered below.A student loan is similar to any other type of loan in that it is money borrowed from a lender that has to be repaid in installments over a specified period of time. Like other standard loans, there is a cost associated with borrowing money. An interest expense is charged on the student loan by the lender that has to be paid in addition to the principal loan amount. Although student loans and conventional loans have various similarities, there are some features that make college loans exceptionally more appealing to borrowers (i.e. students and parents) compared to standard loans.One key benefit associated with student loans is that interest rates are significantly lower than interest rates charged on standard loans. This helps to alleviate the financial burden on students who are typically at an age where income is limited. Other than competitive interest rates, lenders generally offer flexible student loan repayment terms that help delay the financial pressure on students, by allowing them to wait until after graduation to start repaying the loan. Both federal student loans and private student loans generally give students a 6-month grace period, meaning that students don't have to start repaying their loan until 6 months after graduation. The grace period gives students adequate time to get settled into a new job and start earning a salary that is sufficient enough to meet monthly student loan payments.Another advantage associated with both federal student loans and private student loans is the tax savings provided to students and parents. Students and parents who pay tuition fees for higher education are subject to tax benefits that (1) decrease their income subject to tax and; (2) provide tax credits. Tax credits basically result in a decrease in the amount of tax you are required to pay by the Internal Revenue Service (IRS) at the end of your tax period. Thus, tax benefits are another feature that helps ease the monetary demands of student loans.Although student loans relieve college students of financial burden in the short-term, the long-term financial burden that emerges after graduation can be extremely overwhelming for those who do not prepare themselves. The average student debt is estimated to be around $17,000 and the typical loan repayment period can last anywhere from 10 years to 30 years. These figures are no exaggeration and can be very daunting for someone just entering the career world. Some college graduates simply do not know how to fathom the fact that they owe such a large amount of money and end up overlooking their obligation to pay off their student debts. Other college graduates with newly found jobs simply do not know how to budget their income in a way that allocates sufficient funds to meet their monthly student loan payments. The result of these scenarios, where college graduates are irresponsible about paying off their debt obligations, is a severe burn to one's credit rating.Along with other major consequences, college graduates that have a series of missed payments and/or late payments on their student loan plans can cause severe damage to their credit score. Your credit score is an important aspect of your financial identity, especially as you get older and start earning an income sufficient enough to rent or invest in real estate and other long term assets. Having bad credit can seriously hinder you from financial endeavors in the future, such as getting approved for direct loans and mortgage loans. Financial responsibility is extremely beneficial for all individuals to learn and practice at a reasonably young age to prevent problems in the future.Budgeting wisely is an important step one can take to achieve financial responsibility. As soon as you enter into the career world, you should immediately write out a budget that allocates sufficient funds to pay for all your monthly expenses, such as your rent or mortgage, car loan payment, student loan debt, food, gas, and insurance. After you have assigned money to cover your immediate monthly expenses, you should then create a savings fund and allocate approximately $50 to $200 per month to the fund. A savings fund is very useful in unexpected emergencies, such as hospital bills and car repairs, and helps ensure that money is available when needed in urgent situations. Students, student graduates, parents, and other borrowers need to understand the importance of financial responsibility and keeping up with monthly payments, in order to build a healthy credit report for the future.

Student Loan Consolidation - Save Money, Pay Less, Spend More

Save Money, Pay Less, Spend More on What You Want? Sounds too good to be true, doesn\'t it? Well, if you\'ll spend a few minutes learning about student loan consolidation, you\'ll soon be armed with enough information to make some really good decisions and help you achieve all of the above, and more.Student loans are available to students (and parents) in need of help with living costs while studying and working on a degree program. For many students, student loans are their largest source of cash and income (in some cases, their only source). What often happens, is students acquire multiple student loans, then begin to have cash flow problems, which leads to charges on one or more credit cards. These credit cards are typically issued with very high interest rates, often 20% or higher. This is a severely problematic financial trap, and a very tough way to get started in life for a young person who is still in school or just about to graduate.So, how does student loan consolidation work anyway? Well, unfortunately, too many students leave college with debt that weighs them down heavily, burdening their lives with debt that will haunt them for many years to come. More often than not, students accumulate multiple loans from various lenders. This leads to multiple payments each month, and often several loans with unfavorably high interest rates.Loan consolidation allows students to combine multipleloans into a single instrument, one loan from a single lender. In effect, this is like refinancing a mortgage or credit card or other debt consolidation - multiple debts reduced to one. The balances of the multiple loans are paid off by the loan consolidation lender, and voila\' - a single loan payment at a more favorable interest rate. Translation: lower monthly payments, less overhead costs for the borrowed money, and more immediate cash flow to spend on more important items today.A student should seriously evaluate consolidating loans if the consolidated loan would result in a lower interest rate that the current student loans, especially if the student is struggling to make multiple student loan repayments.Often times, the merged loan includes a more flexible set of repayment options, plus no charges, fees or prepay penalty. In some cases, there may even be no pesky credit checks, loan collaterals or cosigners involved.Student loan consolidation can reduce payments up to 60 percent (actual amount saved will depend upon the existing loan interest rates). The other factor is the term of the loans. Typical loans are for a 10 year term. When consolidating student loans, its possible to refinance for up to 30 years (like a home mortgage). It\'s important that there be no prepayment penalties, since the student will likely want to pay these loans off much sooner, once their earning power is improved after graduating and progressing in a career that pays reasonably well. Of course, the longer the loan period, the higher the interest rate, and lower the initial payments, which frees up precious cash flow when it\'s needed most - while the student is in school.So, if a student has multiple loans, typically in excess of $7,500 total, there are many benefits of looking seriously at a student consolidation loan. It\'s a great way to free up cash flow, pay less each month, and save money while in school.