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Your biggest financial decision – in charts

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Payday Loans up to $1, 000 Personal Loans up to $3, 000, small business

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LoanSolo.com is not a lender and does not provide short term or online personal loans but refers consumers to the lenders who may provide such loans. LoanSolo.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs depend on multiple factors, including the lender’s requirements and offers, your credit worthiness, your state of residence, and the type and term of the loan you request. You will be given the details on the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement during the loan request process.

The APR on a short term loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on. See a Representative Example

Borrow $200 for 14 days with a $30 to $60 lender fee. Your estimated APR is 391% to 782%

Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100

Low End of Range: ($30 / $200) * (365 days / 14 days) x 100 = 391.07%

High End of Range: ($60 / $200) * (365 days / 14 days) x 100 = 782.14%

Payday loans are relatively expensive when compared with other loan products. Payday loans are not recommended as a long term financial solution and they should only be taken for emergency financial needs.

The APR on online personal loans can reach up to 1,386% depending on the lender’s terms, borrower’s residence state, the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan extension plan, and other factors. Some states cap APR and the amounts of charges for online personal loan.

You are encouraged to contact your lender as soon as possible if you are unable to repay your loan on the scheduled repayment date or make regular installment payment on time. Your lender may set late payment fees in accordance with state regulations, and your lender has several courses of action to deal with late payment. For more information about your lender’s specific procedures as they apply to late payments, please review your loan agreement or contact your lender directly. Origination, documentation and other additional fees may apply to your online personal loan deal. Late payment, non-payment fees and other penalties may apply to both short term and online personal loan deals in case of missed payments. Please review your loan agreement carefully for information about the financial implications before you provide your electronic signature.

The costs associated with loans of up to $500 can range from 15% to 40% of the entire loan amount, and the charges associated with loans of more than $500 can be even more. Your lender may also charge you late fees as well as fees for non-sufficient funds. As an example, your lender may charge you a $20 nonsufficient funds fee as well as 15% of the loan balance as a late fee. Please review your loan agreement carefully for information about the financial implications of non-payment before you provide your electronic signature.

Non-payment may involve debt collection practices as it is set by applicable law. The majority of the lenders in our network do not intend to sell your debt to outside collection agencies. Instead, they will attempt to collect the debt in-house via telephone, email, postal mail or even text message. Similarly, they will not threaten criminal charges or sue borrowers; they will generally offer debt settlements over time instead. Every lender in our network is required to adhere to the Fair Debt Collection Practices Act, which protects consumers from being abused or harassed by debt collectors.

Lenders are within their rights to report your failure to repay a loan to one or all of the major credit reporting agencies — Experian, Equifax and Transunion. This negative record can be reflected on your credit history indefinitely until the loan is repaid in full. After the lenders receive payment in full, they can report it to the credit reporting agencies. We remind that late payment or non-payment of your loan can have negative impact on your credit history.

Some of the lenders in our network may automatically renew your short term loan if it becomes past due. This term is clearly identified in your loan agreement. You should check your loan agreement for your lender’s policy on automatic loan renewal prior to e-signing it. If your loan is renewed, there will be additional charges as determined by your lender, and the minimum term can be set up. Your lender may offer you other options in addition to renewal, including the ability to repay your loan in full at a later date or repay your loan over time in a series of installments.

Legal Disclaimer: This website does not constitute an offer or solicitation to lend. LoanSolo.com is not a lender and does not make loans or credit decisions. Loansolo.com provides a connecting service only and is not acting as a representative, agent, or correspondent for any of the lenders we contract with. Loansolo.com does not charge a service fee. Loansolo.com does not control and is not responsible for the actions or inactions of any lender. Loansolo.com does not endorse any particular lender or loan product. You are under no obligation to use the service, initiate contact, or request credit with any of the lenders. This service is not available in all states. The residents of Arkansas, New York, Vermont and West Virginia will not be able to use the service of the website. Service availability and scope are subject to change without notice.

Subject to our privacy policy, loansolo.com will transfer your information to lenders in our program and other service providers and marketing companies with which we do business who may or may not offer payday loans up to $1,000 and online personal loans up to $3,000. Loansolo.com does not guarantee that completing an online form will result in your being connected with a lender, being offered a loan product with satisfactory rates or terms, or a loan product of the requested sum or desirable terms, or receiving any approval from a lender in the first place.

Credit Check: Participating lenders may verify your social security number, driver license number, national id, or any other state or federal identifications and review your information against national databases, including but not limited to Equifax, TransUnion, and Experian, to determine your credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit.

Not all the lenders in our network can provide up to $1,000 in payday loans and $3,000 in online personal loans. The limits and regulations vary from state to state. Cash transfer times and terms may vary from lender to lender.

Consumer Notice: We remind that payday loans and online personal loans for small dollar amounts are not a long term financial solution. These credit options imply relatively high interest rates and become a very costly solution if used improperly. Consumers that seek funds for longer terms or debt relief should consult credit advisor prior to making credit decisions of taking a short term or an online personal loan for small dollar amount.


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The top lenders to grow your business #atm #business


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Need cash. Try these top Main Street lenders

Despite heightened enthusiasm for small-business lending in the banking sector, it’s not easy for mom-and-pop firms to get a U.S. Small Business Administration–backed loan. And it’s not just because small-business loans require a lot of paperwork. Banks tend to favor larger deals, which are more profitable for them. So if you’re a small-business owner hunting for a lender, it helps to know which banks aren’t just talking the talk but are walking the walk when it comes to making small-business loans.

There are some surprises. While big banks still top the list when it comes to issuing greatest dollar volume of loans backed by the SBA and in the sheer number of loans made, some smaller banks are aggressively going after Main Street entrepreneurs.

Courtney Keating | E+ | Getty Images

Of the top lenders signing SBA-backed loans of $150,000 and under are Wall Street banks JPMorgan Chase (No. 1 on the list) and Wells Fargo. as well as some smaller players, including Celtic Bank and Zions First National Bank, according to SBA data for the 12-month period ended Jan. 31, 2014.

Larger banks still dominate when it comes to making loans of $1 million and under (which also include those loans under $150,000), but some smaller banks are gaining ground in that category, too. Take, for instance, this list’s No. 14: Ridgestone Bank, a subsidiary of Ridgestone Financial Services, which received money through the recession-era TARP program.

Big banks can be particularly stringent in lending to small business. Biz2Credit, a matchmaker between borrowers and lenders based in New York City, found in its January 2014 index that big banks using its platform approved 17.8 percent of small-business loans compared to small banks, which approved 50.9 percent.

SBA 7(a) Loan Program Top Lenders 2013 ($150K and under)

Source: Small Business Administration

In fact, the data shows that it’s only the larger-dollar-value small-business loans that grew in the recent 12-month period. In the SBA 7(a) loan program, used for working capital, the number of deals for $150,000 or less declined from 25,485 in fiscal 2012 to 24,923 in fiscal 2013, and loan volume stayed relatively flat at $1.4 billion.

The number of SBA 7(a) loans of $1 million or less rose in that same time period, from 40,496 to 41,694, with volume increasing from $7.6 billion to $8.5 billion.

This trend has created an opening for scrappy smaller players, including Salt Lake City, Utah–based Celtic Bank, which is lending across the country.

“We definitely have stepped up our lending,” said Craig Calafati, executive vice president of business development at Celtic Bank. “We made a very strong commitment to the underserved small-business community, particularly in making loans under $150,000.”

To keep the loans flowing, Celtic Bank has built an online application into its website.

SBA loan approval overview

Source: Small Business Administration (The 7(a) program is general small business loans; 504 loans are for fixed asset purchases, including real estate and equipment)

Small banks have a big financial incentive to go after SBA loans.

They profit from selling the loans they originate on the secondary market, where the deals are bundled and snapped up by institutional investors, such as pension funds, hedge funds, and private investors looking for safe deals.

“Banks make a very good premium of 12 percent to 16 percent,” said Rohit Arora, CEO of Biz2Credit. “That’s a big motivation for small banks to do these loans.”

His prediction: “In the next six months, you will see more small banks coming into this space.”

A pool party
The SBA’s guarantee for the loans—which currently can be as high as 85 percent, depending on loan size—makes the deals attractive to institutional investors seeking low-risk opportunities. That, in turn, keeps money flowing into the banks.

“It gives them the ability to make loans, retain liquidity and limit some of their risk exposure to the loans,” said Craig Cline, managing director and head trader on the government-guaranteed loan desk at Coastal Securities, a financial services firm in Houston that is active in the trading, securitization and analysis of SBA loans and pools.

SBA 7(a) Loan Program Top Lenders 2013 ($1M and under)

Source: Small Business Administration

Some small banks are also selling their loans to big banks, said Brendan Ross, president and portfolio manager at Direct Lending Investments, a private investment firm in Los Angeles that owns notes on loans made by alternative lenders.

“The [small] banks can’t afford to warehouse them,” said Ross. “They are like glorified brokers.”

“It does allow us to recycle those dollars back out,” said Eric Petersen, executive vice president of corporate development at Celtic Bank. “It allows an institution like ours to make a lot more loans than we would be able to.”

Celtic Bank sells most of the loans it originates on the secondary market but remains the primary contact for servicing them, Calafati said.

Party like it’s 2009?
How long small banks will have an appetite for SBA lending likely depends on the health of the secondary market, which stalled in 2009. “There were problems during the recession in the secondary market, but it has come back,” said Bob Coleman, editor of the “Coleman Report,” a trade newsletter for small-business bankers. “It is a very profitable lending product for some of these smaller lenders. If they do it right, they can make some money in it.”

Banks aren’t the only place to get SBA loans. They are also available through nonbank lenders and credit unions.

Nicole Zinn, owner of Rocket Electrics, an electric-bike shop in Austin, Texas, won an SBA-backed loan for $180,000 from Austin-based Amplify Federal Credit Union after working with an advisor at the Texas State Small Business Development Center to revise the shop’s business plan and put the loan application package together.

Zinn founded the business in 2011 after losing her job in high-tech marketing during a corporate restructuring; it became profitable four months after it opened. “I didn’t want to go back to a cubicle,” she said.

Zinn applied for a loan to expand her inventory in July 2013, then saw her application stall during the federal government shutdown in October 2013. Finally, in November 2013, after the government reopened, Zinn won the loan, which she was more than ready to put to use in expanding the business.

“When the loan process takes so long, your need grows,” she said.

By Elaine Pofeldt, Special to CNBC.com

(For more on the banks leading in lending under the SBA’s 504 program—loans for fixed assets, including real estate and equipment—consult the charts on the following page.)

SBA 504 program top lenders 2013 ($150K and under)


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    Expat Mortgages UK – Special Mortgages for UK Expats #international #mortgage #lenders


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    UK Expat Mortgages

    INTERNATIONAL MORTGAGE PLANS (IMP ) are the UK’s leading independent providers of expat mortgages for UK expats purchasing or refinancing UK property for family use or commercial letting. IMP also provide mortgages for foreign nationals looking to finance property in the UK.

    Established in the UK in 1975 and in Hong Kong in 1987, IMP are also represented in most expatriate locations. We access the mortgage market via a constantly reviewed panel of bank and building society lenders. Expatriate mortgage finance facilities are available to individuals and intermediaries.

    Current Market Conditions – With lenders terms and criteria changing daily please complete our online expat mortgage enquiry form. This will enable us to let you know which terms are available to you and make a specific recommendation.

    Browse our site to find details of current expatriate mortgage lenders offers, Exclusive remortgage and buy to let schemes. No obligation quotation available via our online mortgage enquiry form

    International Mortgage Plans (IMP ) have numerous plans with mortgage lenders that will cater for expats purchasing or remortgaging their main UK property or UK Buy-to-Let properties, be it one property or multiple properties. We have arrangements that will cater for offshore companies and trusts looking to arrange finance on UK properties. Due to our established track record with lenders over a number of years IMP are able to obtain bespoke terms for loans over 1 million.

    Our IMP mortgage news gives details of the UK mortgage market and the latest property news. For details of our current exclusive mortgage schemes please see our Expat mortgage rates and Buy-to-Let mortgage pages.

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    Mortgages & Home Loans – Refinance & Interest Rate Calculators, mortgage lenders online.#Mortgage #lenders

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    CHECK MORTGAGE RATES

    MORTGAGE NEWS

    American homeowners are tapping their home equity again, with the cash-out share of refinances rising to its highest rate since 2008, according to data from Bla.

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    MORTGAGE ARTICLES

    Applying for a Mortgage after a Bankruptcy

    By understanding the requirements to get a mortgage after a bankruptcy and by carefully rebuilding your credit standing, you can apply for a loan and buy a home.

    What Are Typical Mortgage Down Payments?

    Traditional mortgage down payments have always been 10 to 25 percent of the total purchase price of the property.

    Low Down Payment Loan Qualification

    In order to qualify for a low down payment loan, you typically must have a good credit history, sufficient income for the monthly mortgage payments, and enough money for closing costs, among other things.

    The content on this site is provided for informational purposes only and is not legal or professional advice. Advertised rates on this site are provided by the third party advertiser and not by us. We do not guarantee that the loan terms or rates listed on this site are the best terms or lowest rates available in the market. All lending decisions are determined by the lender and we do not guarantee approval, rates or terms for any lender or loan program. Not all applicants will be approved and individual loan terms may vary. Users are encouraged to use their best judgment in evaluating any third party services or advertisers on this site before submitting any information to any third party.

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    Buy Here Pay Here NY #ny, #new #york, #buy #here #pay #here, #dealers, #bhph,

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    2017 VA Loan Requirements – Guidelines #va #loan #approved #lenders


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    VA Loan Requirements and Guidelines for 2017

    BY The Lenders Network

    Being a veteran gives you more than just the pride of serving and the gratitude of your fellow citizens.

    Veterans get a range of benefits from the federal government for serving.

    One of these benefits is the VA loan. If you want to purchase a home after you leave the service, this is a benefit you’ll want to take advantage of.

    VA loans are the cheapest mortgage type available today.

    This article covers all of the VA loan requirements and guidelines.

    What is a VA Loan?

    a VA loan is insured by the U.S. Department of Veterans Affairs (VA) and offered by many lenders across the country. The VA program was created to help Veterans become homeowners without a downpayment even if they have low credit scores.

    The VA does not offer the loan directly, they just insure the loan incase the loan is defaulted on. There are several great benefits of VA loans but the largest benefits are NO downpayment and no mortgage insurance. VA loans can be used to purchase, or refinance a home.

    VA Mortgage Benefits

    • No downpayment
    • No mortgage insurance
    • Low interest rates
    • Higher DTI ratios accepted
    • Low closing costs
    • Easier to qualify for than traditional loans

    VA Eligibility Guidelines

    If you’ve served in the active military for at least six months, or in the reserves or National Guard for six years, or a spouse of someone who meets these conditions, you’ll likely qualify.

    If you are approved, you’ll receive a document called a VA certificate of eligibility which will prove to lenders that you qualify for a VA loan. However, you don’t need one on hand to start the process. Lenders can get this document from the government on your behalf during pre-approval.

    Basic VA Service Requirements:

    • Served for 90 consecutive days of active service in wartime, OR
    • Served for 181 days of active service during peacetime, OR
    • Has more than 6 years in the Reserves or Nations Guard
    • Active-duty Servicepersons
    • Servicepersons on active duty who have served for 90 consecutive days of active service are eligible
    • Reservists and Members of the National Guard

    Dishonorably discharged veterans are ineligible for any type of VA home loan.

    Qualifying VA Income

    • Salary/W-2 Income
    • LES stipulated military income
    • Part-time Income
    • Second Job
    • Bonus or Overtime Income
    • Seasonal employment
    • Self-employed Income
    • Child support or Alimony (divorce decree and timely payments past 12 months

    Non-Qualifying VA Income

    • lottery winnings
    • Gambling
    • Unemployment payments
    • One time bonuses
    • One time payments from an employer
    • non-occupying co-borrower income
    • inconsistent income history
    • Unverified income
    • Rental Income

    VA Loan Limits

    In most parts of the country, veterans who qualify for military VA Loans can purchase a home worth up to $424,100 with no money down. However, with the 2017 VA Limits, high-cost counties such as Los Angeles and Denver have higher limits as high as $636,150. You can check VA loan limits in your county here .

    VA Loan Requirements for Credit Scores

    The VA hasn t set any minimum credit score requirements for VA mortgages. Although, each VA lender sets their own minimum credit requirements, typically that score is 620. There are some situations in which someone can qualify for a VA loan with bad credit. Some VA mortgage lenders are able to accept a credit score of 580 or higher.

    VA Debt to Income Ratios

    VA loan requirements do not state a maximum debt to income (DTI) ratio. However, lenders set there own maximum DTI requirements for these mortgages. Typically, lenders max DTI ratio fir VA 41%. However, 41% isn t a hard limits there are exceptions in some cases. To qualify for a VA mortgage with a DTI over 41% you should have strong compensating factors, such as:

    • Ability to make a downpayment
    • High net worth
    • Large amount of reserves
    • Minimal increase in current housing payment
    • Increased earning potential
    • High credit score

    VA Interest Rates

    VA loans have lower interest rates than conventional mortgages. However, like all loans the interest rate will be better the higher your credit score is. In order to avoid high interest rates. you should work on increasing your credit score as much as possible. The exact interest rate you’ll be charged on a VA mortgage depends on many factors.

    The maximum loan amount is around $450,000, but that can increase if you live an area with high housing costs. If you have bad credit for your VA loan, there are still options available.

    VA Funding Fee

    While you don’t have to have a down payment with a VA loan, there are some special fees you’ll have to pay. First, closing costs aren’t covered, you can expect to pay between 1%-4%. Second, there is a special one-time VA funding fee you have to pay in lieu of a down payment.

    If you are getting a VA loan for the first time with no down payment. you need to pay a VA funding fee equal to 2.15% of the loan amount. If you do put down 10% of the loan, this fee is lowered to 1.25%. The exact percentage will vary based on your down payment and the type of veteran you are. If you were discharged for disability reasons, this funding fee is waived.

    The Lenders Network has the largest network of mortgage lenders that specialize in home loans for borrowers with all types of credit scores. We will match you will the best lender based on your specific situation.


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