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10 result(s) displayed (1 - 10):

February 12, 2013

Government Student Loans

Applying for government student loans is probably one of the most exasperating experiences a person will have. It's a lengthy process that involves providing financial records, filling out student aid applications, obtaining financial counseling, and entering into legal contracts.

The good news is getting government student loans can be simplified by making a visit to StudentLoans.gov. This website is supplied by the Office of the U.S. Department of Education and provides information on everything from getting financial awareness counseling to student loan consolidation.

Students need to learn about the application process, different types of loans and payment options. In order to apply for financial aid students must prepare a Free Application for Federal Student Aid (FAFSA).

Real Estate Investing article on "Government Student Loans "

January 08, 2013

Student Loans without a Cosigner

Most people find getting student loans without a cosigner to be an impossible feat. While the task can be challenging there are a few resources for students to tap into. For most, the top option is applying for government student loans. However, some people might qualify for private funding.

Qualifying for private student loans without a cosigner requires an established credit history and good FICO score. This option is generally reserved for borrowers who have consistent income either from a job, structured settlement annuity payments, or trust fund.

It's not easy to borrow college funds from a bank, so it's better to look into government student loans first. A few of the most common are Stafford loans, Perkins loans, and PLUS loans.

Real Estate Investing article on "Student Loans without a Cosigner "

December 20, 2012

Credit Card Processing Companies

Merchants who want to accept credit cards must work with credit card processing companies. Therefore, it's vital to understand the procedures and associated costs to prevent overpaying

Taking time to compare various credit card processing companies can save merchants a lot of money over time. Companies generally assess fees to process credit cards, along with a per transaction fee, while some even charge fees for printed statements.

Sole proprietors and small business owners often find it difficult to find companies willing to provide merchant accounts. Instead, entrepreneurs usually have to work with third party providers who will obtain the merchant account. Unfortunately, the more people involved the higher the rates.

Real Estate Investing article on "Credit Card Processing Companies "

May 24, 2012

Freddie Mac Foreclosures

Homeowners facing Freddie Mac foreclosures ought to become familiar with programs that can help keep their house or exit gracefully. There are several programs that offer foreclosure assistance, but it's important to become proactive at the first sign of financial distress.

The first step to avoid Freddie Mac foreclosures is to get in touch with your lender. You will have access to more options by opening the line of communication with the bank. Options include refinance, mortgage forbearance, reinstatement, repayment plan, and loan modification.

It's important to become educated about the pros and cons of each option. Homeowners can obtain free housing counseling through community agencies approved by HUD. Housing counselors can review your situation to determine which programs you might qualify for.

Real Estate Investing article on "Freddie Mac Foreclosures "

May 21, 2010

Consolidate Loans

Most people choose to consolidate loans in order to eliminate multiple payments and reduce overall interest. By combining two or more loans, borrowers can lower monthly expenses and potentially improve personal credit scores. In order to consolidate loans, borrowers must possess a good credit score and a history of consistently paying debts on time.

Before making a final decision to consolidate loans, borrowers should take time to conduct research and compare loan consolidation lenders and applicable rates. Additionally, borrowers should obtain credit reports from each of the credit reporting bureaus. Banks have tightened lending criteria and rarely allow borrowers enter into loan consolidation if they have low FICO scores or attached liens or judgments.

Real Estate Investing article on "Consolidate Loans"

May 10, 2010

Loan Deferment

Loan deferment might be a good choice for students facing temporary financial challenges. Most college loan payments can be deferred for a few months when students are enduring economic hardships, unemployment, military deployment or enrolled in school at least half-time.

Students must apply for loan deferment through the loan provider. College loans that qualify for deferred payments include: Parent PLUS, Graduate PLUS, Stafford, federal, and private student loans. Students that have entered into college loan consolidation may also qualify for loan deferment.

Real Estate Investing article on "Loan Deferment"

June 03, 2009

Mortgage after Bankruptcy

Individuals wanting to obtain a mortgage after bankruptcy need to get their financial affairs in orders long before applying for a loan. Obtaining credit is considerably more difficult today than it was just a year ago. The banking industry meltdown caused lenders to tighten regulations. Individuals with excellent credit find it challenging to obtain mortgage loans. Those with poor credit don't stand a chance.

In order to qualify for a mortgage after bankruptcy, borrowers must establish a history of paying their bills on time. Housing costs are usually the largest expense people have. Financial experts suggest leasing a home with a monthly payment equivalent to a mortgage payment. Paying rent on time each month helps debtor's establish a track record.

Real Estate Investing article on "Mortgage after Bankruptcy"

January 02, 2009

Mortgage Bankruptcy

Mortgage bankruptcy refers to the 'Conyers Bill' which was enacted by legislation in 2007. The mortgage bankruptcy bill is highly controversial because it modified the new bankruptcy laws which took effect in 2005.

The mortgage bankruptcy bill requires borrowers to provide evidence they are incapable of obtaining the financial means to become current on delinquent mortgage payments to stop foreclosure.

Real Estate Investing article on "Mortgage Bankruptcy"

December 28, 2008

Debt Help

Millions of consumers need debt help, but most do not know where to turn. From debt consolidation to debt settlement and credit counseling to bankruptcy; there are programs which address nearly any financial dilemma. The problem is determining which is best suited for your needs.

Today, we're going to review debt help programs and what they offer. Since there are numerous options, this article briefly touches upon the most popular. Additional information and resources can be obtained by clicking on the highlighted links.

Real Estate Investing article on "Debt Help"

December 25, 2008

Credit Counseling

Credit counseling is a good option for people who are considering bankruptcy or those who have trouble managing their money. Credit counseling is also good for people who are just starting out and want to ensure they begin their life journey with a strong financial foothold.

Credit counseling is available in nearly every metropolitan city across the United States. Most agencies charge a fee for their services. However, there are non-profit credit counseling agencies that provide no- or low-cost services to those who qualify.

Real Estate Investing article on "Credit Counseling"