Consumers are bombarded with over a billion credit card offers each year, promising everything from cash back and zero-interest to free airfare and luxury hotel stays. How are consumers supposed to know which offers fit their needs?
Capital One. Citibank. Discover Card. Barclaycard – you know the names, but do you know the difference? All of them want you to carry their cards, and all of them have great-sounding offers, so how to choose?
Credit card companies want your business, so they advertise their best features – CASH BACK, FREE FLIGHTS, SIGN-UP BONUS, ZERO-PERCENT INTEREST – but they may not be so forthcoming about the full terms and conditions. Consumers may not consider the long-term cost of a credit card when they are tempted with instant gratification and freebies galore.
That’s where Credit-Land.com comes in. Our group of finance experts sort through all the offers so you don’t have to read terms and conditions and stay on the lookout for the best new deals we feature, biggest bonuses, lowest interest rates, and news you need to know. We’ll tell you which offers are too good to pass up and which may not be as good as they sound – and we’ll tell you why.
Carrying a balance? Find out how much you’ll save – and how much faster you’ll pay it off – by transferring your balance to a new card.
See possible changes to your credit score if you close your credit card, pay off the card balance, or if you get a new card.
If you have excellent credit history. then the best credit card offers are yours for the taking. Earn cash back, plane tickets, hotel stays, discounts on gas, gift cards, and more – all for making the everyday purchases you’d make anyway. Credit-Land.com will help you pick the card that gives you rewards you can use and make your card work for you. Make your money go further and get awesome rewards when you find the perfect credit card for your excellent credit history.
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Low interest rates, zero-percent balance transfers, zero-percent on purchases, and credit cards with no annual fee – whatever promotional offer you’re looking for, find it at Credit-Land.com. We have access to the newest and best offers from major credit card issuers, and your good credit history puts you a step ahead of the game when it comes to getting approved for these great money-saving offers.
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If your credit falls into the fair or limited category, you may think that good credit card offers are out of reach for you. While it’s true that the very best offers won’t be available, our experts can show you cards that can help you take advantage of the best offers for fair or limited credit. A prepaid card or a credit card for fair credit may be the best option for you while you work on repairing your credit, as long as you make on time payments to all creditors and keep balances low relative to the credit limit. We’ll show you which card fits your needs.
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Got bad credit, or no credit at all? Don’t despair. We can help you find a card to help you establish or rebuild your credit and reach your financial goals. You may rebuild your credit history by making payments to all your creditors on time and keeping account balances low relative to the credit limit. Whether you’re looking for a student card, a secured card, or a guaranteed or instant approval card, we have an offer that will work for you.
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I hate to answer my own question with a question. but, are you serious about buying a home? If so, keep reading, as I’ll uncover the reasons why getting pre-approved for a mortgage is critical when you’ve made the decision to buy a home. This applies to you as a first-time home Buyer or as a repeat home Buyer.
First and foremost, you want to let any home Seller know that you’re well qualified to buy a home and that you’re serious about buying a home: you prepared by doing proper planning for home ownership and you can afford the home they’re selling.
A pre-approval is a letter than can set you apart from other home Buyers presenting their offer without a solid pre-approval letter. Your offer will be held in high regards with your offer being perceived to be of greater value due to your ability to show the home Seller that you’re able. Yes, that’s it; you’re financially able to buy their home. A good sign for any home Seller.
Different local markets will further express upon the importance of a pre-approval, particularly in a Seller’s Market. What is a Seller’s Market? A Seller’s Market, as the name implies, is when the market favors Sellers (sorry Buyers). It’s a time when Buyers need to be on top of their home buying game if they want to secure the home they’re considering buying. A Seller’s market highlights too few homes to meet the need of Buyers, so Buyer competition will be fierce. Your offer needs to shine above the competing Buyers and a pre-approval is just one way in which to let it shine!
A pre-approval gives the home Seller a reason to select your offer.
Lastly, a pre-approval makes it easier on your emotions. There’s nothing worse than falling in love with a home only to find out later that you can’t even afford the home. With a pre-approval you know exactly what you can afford and won’t be looking at homes in the wrong price range that only are apt to provide great heartache. Get pre-approved.
A pre-approval is a Lender provided, written letter that indicates your ability to finance a home purchase. The letter will detail that you have been conditionally approved for a mortgage loan based upon a review of your assets, income and debt. It will detail such items as your base loan amount, type of loan program, the sales price for the home you can purchase, and the property address to be determined once you find a home to buy. Typically it will include the length of the mortgage loan term and can include your rate of interest and could even include an estimate of your monthly payments details that include principal, interest, taxes, homeowners insurance and if applicable; mortgage insurance, flood insurance and any homeowner’s Association fees.
In addition, the letter will conclude that the approval is subject to such items as your final verification of your employment income prior to closing, the funds required to close on your home purchase, that the home you buy must appraise to support the purchase purchase, no change in your credit profile, a satisfactory Title Policy and final underwriting, to name a few.
This pre-approval subject to conditions, will be based upon financial documentation that you provided for review, such as the following:
You’ll also provide authorization to access your credit report. Careful calculations are considered to assess your debt-to-income ratio.
The letter confirms that your assets, income and creditworthiness have been reviewed and based upon the Lender’s findings, you are a good a candidate for final loan approval. Keep in mind that this does not guarantee your ability to get a mortgage, but rather enhances the strong likelihood of getting a mortgage.
These details as described, shows that the proof of your ability is needed prior to receiving a written pre-approval letter, unlike a pre-qualification letter that simply reveals a conversation with no verification of assets, income or debt determined.
A mortgage pre-approval isn’t limited to a few, but rather anyone who wants to buy a home. If you’re looking to buy a home in Coral Springs Florida or looking to buy a home in Boca Raton Florida or anywhere nationwide for that matter, you’ll need a pre-approval letter. If you’re a first-time home Buyer do you need to get pre approved? Yes. How about if you’re buying another home? Yes. First, second, third, prior Short Sale, prior Foreclosure, any home Buyer needs to obtain pre-approval for optimum success with buying a home.
Have you made the decision to buy a home? Have you made all the preparations required to get your credit in order? Have you saved money towards a down payment, closing costs and simply for being a new homeowner? If you’ve answered “yes”, then now is the time to get a mortgage pre-approval before you even take a step inside a home you think you like or might like.
A pre-approval is one of the most important steps of buying a home. It’s also one of the first things you do when buying a home.
An experienced Mortgage Broker (Lender) can get you the Mortgage pre-approval that you need. The Realtor that you hire to assist you in your home search, should have a few Mortgage professionals who she/he can refer you to for your final selection. You’ll discuss their loan programs and rates. Or simply do your homework in researching for a Lender who can assist you. If in your search, you have a telephone conversation or a brief in person meeting and they’re ready to give you what they call a pre-qualification letter without ever reviewing your financials, run! Keep looking. This is not the Lender for you. I’ve described above what it is you need to be pre-approved for a mortgage and a pre-qualification without reviewing your particulars, is a waste of paper and time. In addition, if you’re thinking about selecting a Realtor and they haven’t recommend that you receive a pre-approval letter before you start looking at homes, then think again about this Realtor’s expertise.
Pre Approvals aren’t optional if you’re serious about buying a home. You need to know how much you re able to afford and ultimately how much money you can offer the home Seller. And simply said, it’s just part of the facts about buying a home if you want to have any kind of success at buying a home.
A pre-qualification gets you nowhere. A pre-approval can get you the home you love. Now go buy a home!
Mortgage mishaps by Frederick Real Estate online
Quick home tips by Cincinnati Real Estate
Book an appointment nowto learn more about getting a MortgagePre Approval when buying a home in Southeast Florida. Call/Text Lynn at 954-464-1100 or email Lynn at nP ag Yo ous om
Today’s article “ Why do I need to get a Mortgage Pre Approval?” written by Lynn Pineda. You’ll find Lynn selling homes in Southeast Florida in the cities of Boca Raton, Boynton Beach, Coral Springs, Delray Beach, Coconut Creek, Deerfield Beach, Margate, Parkland, Pompano Beach, Tamarac, Sunrise, Plantation and Ft Lauderdale areas within Broward and Palm Beach counties.
Lynn Pineda, a licensed Southeast Florida Real Estate Agent serving Southeast Florida for over 10 years. Keller Williams Coral Springs Realty. Real Estate Promises Delivered. You can speak with Lynn by calling/texting her at 954-464-1100 or you can email her at: Ly I in ur e. if you need to buy or sell a Southeast Florida home. Your local, trusted professional when it’s time to buy or sell a home. Real Estate promises delivered. Sept 17, 2015.
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Welcome to Houston Finance Online. We are one of the first loan companies from Houston Texas that is regulated by the Consumer Credit Commission to publish an online finance program for Houston Cash loans and Houston personal loans. Whether you’re a consumer with good credit looking for a personal loan in Houston. or a person with bad credit having problems obtaining a loan, you have come to the right place. At Houston Finance we have a program for everybody. so it is easy to get approved. For example, if your credit is not the greatest then you might want to consider our two options, an automatic bank debit loan or signature loan. If your credit is in good standing then you can qualify for our Houston Cash Loans or a Houston Signature loan. The great thing about Houston Finance is your interest does not vary on your credit score. In fact we are 10 times cheaper than Payday Advance Companies. Don’t let a payday loan company turn your loan into a bad credit loan. So what are you waiting for? Apply now online or call us at 713-228-2626 .We are located in downtown Houston on the corner of Main and Preston, basement level Suite B-101.
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