Posts Tagged ‘About’

by lornagrl

Question by dlachel392005: What’s the best way to go about refinancing your home if you’ve refinance before two years ago. I am on a adju
I am on a adjustable rate mortgage and would like to go to a fixed mortgage with lower rate? I don’t know who to go to for the refinancing, My Bank or credit union?

Best answer:

Answer by Finance_Diva
If you have excellent credit your best bet is to go to your credit union or a major bank. Since you have refinanced before, I am assuming that you are familiar with the terms and fees associated with a refi. However, if you are a little unsure about the process and want someone who can guide you through the process, contact a Mortgage Broker and speak to one of their Loan Officers. You should probably ask around and get a referral from someone you know. If you still need some help, send me a message and I will help you.

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Question by tdfisher: where can i find information about mortgage loans?
specifically, i am looking for information about bank of america’s community commitment program, and how reliable it is.

Best answer:

Answer by tilden girl
Go to BofA website and look it up.

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by Montgomery Cty Division of Solid Waste Services

Question by DELISA ANN J: Does anyone know anything good about this company called Hargrave Associates Credit Repair?
I am looking for a company that i can trust to repair my credit does anyone know about this particular company. Or can someone refer me to a company that’s not going to rip me off.

Best answer:

Answer by Rick B
There is no such thing as a credit repair company. The only items that can legally be removed from your credit are incorrect items. All they will do is write letters to the bureaus challenging every derogatory item on your report. You can do that for free.

But again, LEGALLY you can only challenge false items.

If you want to “repair” your credit, then you need to pay any outstanding debts, bring all your accounts current, and then make payments on time for severl years.

That’s it – there is no magical secret.

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Question by ProperLogic: question about car title loans?
If there are two people on the title of my car and I want to get a title loan would I need both parties? Because I have no way of getting in touch with the other person listed on the title..

Best answer:

Answer by Gui G
Yes, is the short answer. Talking to the lender will get you nowhere. They are very strict these days. You have a bit of a problem because you won’t be able to transfer the car either (at least technically and legally). There may also be insurance consequences. I know, this is not the nice answer but tough love. Go to your local DMV or Tag Agency. There are options, tough options but you don’t have much of a choice. Good luck.

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by ropesandpulleys

Question by ilf rettub: What to do about title and car loan after divorce?
My ex and I got divorced back in March 2008. In the divorce decree it states that the car we bought together would now be his and that he’d be responsible for the remaining balance on the loan. My question is, how do we get my name of the loan and/or title of the car? Do we need to contact the company the loan is through AND the DMV? Or just one or the other?

Best answer:

Answer by pms2go
the loan. you are still on the loan.
call them or refinance.

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by Gerald Davison

Question by Feelin’ Lucky: Anybody ever take out a Federal Direct Subsidized Stafford Loan? EASY TEN PTS. IF YOU KNOW ABOUT COLLEGE LOANS?
I go to a community college and I am getting enough money in grants to pay for the cost of my tuition, books, and other fees….
The problem is that I want to take out a loan because I want to take a Nurses Aid Course which is a non- credit course that financial aid does not pay for. I also need to take out a loan transportation because I don’t have a car and I am currently catching the bus to school everyday, which they are talking about canceling that bus route. I also need the money for other expenses such a paying some back rent….

Were any of you EVER IN THE SAME SITUATION?
Do you think the college will give me the loan based on these reasons?

THANks in AdvaNce!

Best answer:

Answer by Mrs. sandra
I am Mrs. Sandra Bents from Canada, God has bless me with two kids and a loving husband, I promise to share this Testimony because of God favor in my life,2months ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be a loan lender not knowing he was a scam. he collected 2,000USD from me and refuse to email me since. then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to T&T LOAN FIRM, she said she was given 50,000USD by MR THOMAS, THE MANAGING DIRECTOR OF T&T LOAN FIRM . so I collected his email Address ,he told me the roles and regulation and I followed, then after processing of the Documents, he gave me my loan of 30,000POUNDS .you can contact him on via email (ttravis@blumail.org) I am sure he will help you.

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by jeremy screen name

Question by Nolita: About graduate student loans, is it possible to deduct paid interest from taxes paid later when at work?
If both spouses have asked for loans , does it make any difference to make a deduction if one or both are working after they graduate ?

Best answer:

Answer by leonard s
no it does not. interest is deducible only in the year its paid.

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Question by Lola: I need a emergency loan for about 2-3 weeks untill I get my Tax refund back.? Can someone help??????

Best answer:

Answer by BeachLover
HAHAHAHAHAHAHA. That’s a good one. I bet someone in Nigeria is willing to help you out.

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by Luiz Felipe Castro

Question by usranger4640: where can i find a guaranteed bad credit loan im only looking to borrow about 2500 but my credit score is low?
my credit score is in the mid 500’s and i want to pay off the credit cards i have. they total up to 3500. where can i get a loan where i dont need to pay for me to join their site.

Best answer:

Answer by Joe K
Without collateral nobody is going to give you a loan period. Even if you pay for someone’s club membership you are not going to get a loan. They can make all of the promises that they want to but they have enough fine print to take your money and run and deny you a loan on a technicality. Or another trick that these guys use is that they will say, “You have been approved for the loan- We just have to find someone who will fund it. That can take anywhere from 10 to 90 days” and they keep stringing you along until you eventually give up.

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Question by Inez K: Is there any place in Southern Ontario, where a person with bad credit can get a personal loan for about 5 g’s?
I have been turned down by my bank, and citi finicial. Money mart will only do payday loans. I have a credit card, but it is maxed out. So if anybody knows a place (aside from the mofia) where they’ll give a personal loan to a bad credit person, please let me know. I need about 5 thousand.

Best answer:

Answer by Khun Larry
nope, might try looking in northern ontario

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Question by jacob23637: Question about auto loan?
I’m really confused, I have been trying to establish credit to get a nice car on my own without a co signer. I make pretty good income, but the credit has always been a problem. I went to the dealer without my co signer, I check my credit on experian CREDIT EXPERT, everyday and after 6 months on 1 card and also a couple of secured loans with 3 months on each I thought I had established enough credit with my income to go and get the car of my dreams, then I went to the dealership with my income paystubs YTD everything verifies that I make 4-5K a month and they pulled my credit. It showed up that I have 0 on all 3 bureaus. 0?!? I have established no credit after 6 months?!?! Thats a bunch of BS.

Best answer:

Answer by simplekind0flife
I worked in finance at a car dealership for 5 plus years and have never seen that. There must be a problem with your social security number or date of birth. The only way to have a zero is something is wrong. Even my mother, who has no credit to speak of (shes from that generation where evrything is done with cash), her report says “insufficient amount or history, no credit available”. There is no “0″. Try contacting them (the credit bureaus) and see whats up. hopefully its not fraud……

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Question by melissa: Can anyone tell me about Car Title Loans?
I’m curious about taking out a car title loan.. I do need cash, lol. Anyway, if I was considering taking a CAR TITLE loan for about 00.. I’m curious what the interest rates are. as in.. am i going to end up giving them 00 for 00 and also what the payments are like?

Whats the minimum/maximum monthly payment range? I’d like to pay it off ASAP, can I avoid spending a lot of money on interest if say I pay them back within 2 months?

I really don’t understand these loans but I am sure there is a lot of money in it for them..

Someone clue me in a bit?

Best answer:

Answer by Eric B
They are extremely expensive loans rates vary by state but run from 120% to 300% annually. Some you only pay interest and then you have a balloon payment at the end others you make payments of principal and interest and you make these payments every 2 weeks. Also they will only lend about 65% of the low retail or high wholesale value. They are hard money loans like payday loans.

If you can borrow any other way then do it ask a family member and offer to give them the title to your car and pay them interest, just try your hardest not to do a title loan if you don’t have to over 50% of the people who get title loans end up loosing their car to them via repossession.

Good luck.

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Question by Rachel: House given to us free & clear, how do we go about getting a home equity loan?
My grandparents are giving us their 2nd residence home. No money owed on it, title will be ours next week. Here’s my question: we want to pay off some debt & do home improvements, but I am concerned about the seasoning clause. What banks/lenders offer home equity loans without a seasoning clause? Since there is no purchase amount, will they go by the appraised value in this case? Thanks in advance.

Best answer:

Answer by realtor.sailor
Length of ownership should not be an issue. A loan will be based on the appraised value. I suggest you start with a local bank.

realtor.sailor

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by taberandrew

Question by abbignome: Queston about bank law/rules regarding insurance checks.?
Someone backed rather speedily into our car while it was parked and minding its own business along the street. The car, a 96 Lumina, unfortunately was considered totaled and is in barely runnable condition.

We received the check Wednesday morning and eagerly went to our bank to cash the check to go find a replacement before our poor Lumina bites the dust. Thankfully we opted for keeping the car and had the 0 deducted from the settlement amount to keep it or we’d be in a more serious situation now. Our bank refused to give us more than 0 now for the check, stating that it would be at least 5 business days, although the lady quoted us next Friday as 5 days, since we didn’t have enough in the bank to cover it. That was reasonable to us other than her 5 day calculation. We left, check still in our possession.

We decided that we didn’t want to take a chance on a dead car before the check cleared and called my parents, who had enough money in their account to cover the deposit of the check and give us the cash- effectively loaning us the money until the check cleared, which wasn’t something I wanted to do, but the situation called for desperate measures. My mother took me to her bank to do the transaction, I’d endorsed the check and at the window she also endorsed the check to deposit it in her account.

The bank manager came out and explained to Mom that the check was now void because according to her, federal law only allows for ONE signature and “no other marks whatsoever” on insurance checks. Even the teller looked a bit skeptical about this “law”.

The bank manager went on to make a huge fuss about calling the insurance adjuster, loudly demanding to know if it was a legitimate check and then went on to tell him in a rather condescending tone that I’d made a “little boo-boo” in trying to get the cash for my check now when I should have known I’d have to wait several days for the check to clear. After the call, she gave me a long speech about how the law has made it harder than ever to cash checks and that if my bank only made me wait 5 business days they were more than reasonable, she would have held it 11 days. She said insurance checks are the ONLY type of check that can’t be passed off like that. If that’s the case, why don’t they have some notification of that posted so people don’t have to go through the hassle we will. If we hadn’t bought the car back, we’d be without transportation for over a week.

So, my main question is, is there some mystical new law that states that insurance checks can only be signed by one person ever? Second, isn’t there some new electronic check system that was supposed to make check cashing and clearing faster? According to her it’s slower now than ever.

I talked to a car dealer later in the day and he said people come in and sign over insurance settlement checks to him all the time and the same bank, different branch, takes them with no problem. It’s not like Mom’s a stranger there, she and Dad have been with that bank since the 70s, never has bounced a check, keeps several thousand dollars in their bank all the time, and is on a first name basis with the bank manager.

Best answer:

Answer by nadine
Ok, the bank manager was wrong. Generally an insurance check needs to be endorsed how it’s made out, then if you wrote below your endorsement pay to the order of jane doe, jane doe could sign it and it is legit. Insurance companies can be very fussy so it would have been in your best interest to deposit it at your own bank and wait the five days, which is a hold until it clears and is normal procedure due to your balance, or lack there of.

There is a new electronic bank system. But with that, the banking systems are a lot smarter now. They have built in alerts – it’s harder for the bank employee to make a mistake, and their judgement is going to be on the safe side – because it can be a career ender. So it’s faster, yet it’s slower – more holds, more collections, etc.

This is all due to 911, it has changed our world and everything we do. Not to say that this didn’t happen before, it’s just SOP now. And identity theft and fraud are huge in the banking industry. That’s why they have to be careful. I’ve seen dozens of fraudulant items, and I live in a relatively small town.

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Question by lumpkinstonya: Does anyone know about online cash advances?
i keep getting these email saying im approved but i have never inquired about them. Is this a scam to get your account info?

Best answer:

Answer by Alan W
Most likely yes. Don’t respond to unsolicited emails.

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