Loan Tips and Loan Information

Getting a Loan or Refinancing Your Existing Loan.

Does it make sense to refinance your home, get a home equity loan or take out a second mortgage? You can often save a lot of money by optimizing your debt with low interest rate or consolidation loans. If you are paying high interest rates on your credit cards, home loans or any other debt (school loans, car loans, boat loans, etc) and you want to cut your rates and your minimum payment, consider taking out a loan from one of the lenders below. Many of the programs are for existing home owners or for first mortgages, but some of the lenders offer personal loans backed by assets other than your home. Make sure that before you apply that your credit is in good shape.

If your credit is flawed, don't worry, some of the lenders below offers sub prime loans to people with bad credit. You'll pay a little higher interest rate but it could still be worth it if you are already paying high interest rates.

E-LOAN

This is where I refinanced my home. Find almost any type of loan here! Including mortgages, home equity loans, auto loans, auto refinance loans, debt consolidation loans, education loans, credit cards and even personal loans. E-LOAN partners with many different lenders so that you can find the best loan program. They also offer tools and services that will help you select and find the right loan product for you. Their service is free and they provide you with a dedicated loan consultant. You should know within minutes of the application if you are approved or not.

LoanWeb

LoanWeb is a free service that takes your loan application information and searches hundreds of lenders and thousands of loan programs to find a loan that fits your needs. They are in essence an online mortgage broker. Filling out the application only takes a few minutes, it's free and their are no obligations. You can find mortgages, refinance loans, home equity loans, debt consolidation loans and even home equity lines of credit.

Premier Equity

Have good credit? Premier Equity is a direct lender of home equity loans and home equity lines of credit. They offer a 100% value loan and even a 125% value loan, so you can get the money you need for home improvements, or to pay off your high interest rate debt or credit card debt. Premier Equity does not provide first mortgage loans, home improvement loans, refinance loans or loans to poor credit consumers.

Ameriquest Mortgage

Ameriquest Mortgage offers direct loans to people with bad credit that may have been turned down from other lenders. Their loans are easier to qualify for and their rates are competitive. You can be pre qualified in 24 hours and they can close your loan in as little as 10 days. Note: The difference between a direct lender (like Ameriquest) and a lending service (like LoanWeb), is that a direct lender actually loans you the money, whereas a loan service company contacts hundreds of lenders to find your lender.

Credit and Debt

Credit and Debt offers a great program that allows you to get information or apply for a loan for free. From their site, you can find credit reports, credit repair help, mortgage loans, debt consolidation loans, home equity loans and even insurance quotes.

Credit Provide

Don't Own a House and Need a Personal Loan? Credit Provide offers help getting unsecured loans that you can use to refinance your existing credit card debt. They also offer many tips and tricks regarding your credit and specialize in helping people with credit problems.

Countrywide Credit / Full Spectrum Lending

Full Spectrum Lending (a member of the CountryWide family) specializes in sub prime loans. If you have bad credit, credit issues, or are looking for a unique financing method, Full Spectrum Lending (a member of the CountryWide family) can help you find a loan. They offer many types of loans including mortgages, adjustable rate mortgages, combination rate mortgages, credit improvement loans, low down payment loans, investment property loans, vacation home loans and reduced paperwork loans.

America One

Have good credit and no home to mortgage? Apply for one of several unsecured loan programs from America One Funding and you could get up to $150k in as little as 2 days.

The next Free Finance Tip is about Consolidating Debt. Or you can go to Free Finance Tips.

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