Posts tagged "Lending"

California Mortgage Loan Brokering and Lending

Product DescriptionProvides for the founding statement of mortgage loans with an emphasis on real estate laws and regulations in California. It fills an urgent need for a complete reference for mortgage brokers. . . . More>>
California Mortgage Loan Brokering and Lending

Foreclosed: High-Risk Lending, Deregulation, and the Undermining of America’s Mortgage Market

Product DescriptionOver last two years, the United States has watched with some horror, the explosion and the collapse of the housing market throughout, particularly in relation to the subprime and alternative or “exotic” mortgage loans as housing. Unfortunately restoration time explains the increase of loans to high risk and why these new types of loans and their associated regulatory infrastructure essentially failed. Dan Immergluck says the explosion of subprime and exotic. . . More>>
Foreclosed: High-Risk Lending, Deregulation, and the Undermining of America’s Mortgage Market

Need Advice – Paying Off CCs vs. Saving

Hi.  I've been posting recently about how best to handle my credit debt because I got laid off (and am uneligible for unemployment).  Well, I just dodged a bullet as I got a new job!    Moving forward though, I still need advice.  Obviously, I want to eliminate my $12,000 in CC debt ASAP.  I have an AMEX card at 17% (arbitrarily raised from 9% because the economy was 'hard on them') and a MC at 9.9%.  Both cards are maxed out.  My average credit score is 730.  At the same time, due to medical debt and being unemployed, I have ZERO dollars in savings.  ZERO.  I have been living bare bones, paycheck to paycheck for four years just to stay afloat.  Not only is this stressful, it has perpetuated my credit debt.  So, now that I have an income, I am considering how best to proceed.  I know it doesn't make sense to put money in savings at a much lower rate than what I'm paying on my debt.  At the same time, I know I will need access to cash, particularly since I will probably have to buy a new car or at least afford repairs on the 11yr. old one that I have.  Again, my goal is to pay off my debt quickly, but establish some sort of cash access and do it with the least amount of penalties/tax/interest.  To do this, here are the options I've been kicking around in my head:   1.  Continue to make minimum payments or slightly higher towards my cards while funding an emergency account with my remaining monthly income.  Expect to take a few years to pay off my cards

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Lender dragged feet to let rate lock expired

I got a great rate locked, which was extended once. As we were getting near closing interest rates starting going up.

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A1 credit with lending club

I paying two credit cards a around 1700 and and $ 570 I 'm $2335 to cover the lending fee I do not know I'm allows to post my loan reference number here ,which be advertising for inventors , but If it is ok I will edit the post to include it. I forgot to mention I bought my TU score today was 756

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Personal Loans-Do I go local or online?

I have never applied for a personal loan before and would like to now. I am wanting to pay off my CC's and have only one payment. Right now all the different dates and interest rates are driving me nuts! One CC is a high interest at 24%, one is 19%, the others are 8.99%-9.99%

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Turned down for auto loan…..you gotta be joking Mr . Banker

After paying cash for all of  the vehicles in my life I decided to "splurge " a bit and go for a  decent newer vehicle.( Pick up) I applied over the phone with my personal bank for an auto loan and was turned down! This is a bank I have my checking, savings, CD's,  and a CC-card accounts with by the way.

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Hey experts, what is your back ground in fico advice?

I'm curious from the responses I have received. What are the back grounds of the mods and the people with 5k plus posts

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