#Hard Money Lender Rates in Baltimore
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7 Steps to Buying a House in Baltimore, Maryland
If you want to know how We Buy Houses Baltimore, Maryland, you've come to the right place!
When you begin thinking about buying a home, it’s not hard to let your emotions get the best of you. In a matter of seconds, you’re stalking homes on your home-browsing app, changing your route to work to do drive-bys on those houses you like, and even looking up some interesting mortgage options that are going to get you into that home with little to nothing down.
It can be incredibly easy to get yourself into a home that you can't really afford, and that is the number one cause of people not being able to build that long term wealth. This is why knowing the steps of the home-buying process can help you make some smart decisions when buying your next home.
Let’s be honest. Buying a home can be a confusing and frustrating process. Do you ever ask yourself, “What do I need to do to buy a home in Baltimore, Maryland?” or “Who will give me a home loan in Baltimore, Maryland?” Great News! You've found the answer with Moreira Team! We are mortgage brokers in Baltimore, Maryland.
That is why we have made it our purpose, for more than a decade, to provide our clients with the best mortgage experience possible. We have the home-buying know-how to make the home buying process a “done-for-you” experience. Getting a mortgage with us is actually a lot easier than you might think, and we have programs available for every situation. We shop your loan with over 22 different lenders and banks to make sure we deliver on our promise to get you the best deal. That means you save money, get a lower rate, and spend less money out of pocket. Our guarantee is to provide you with a transparent and easy home buying experience, and our promise is to find you the best deal.
Here are 7 easy steps to get you started on your home purchase:
Step 1 Get Your Finances In Order Buying your first home, or your next home is a HUGE deal! You absolutely have to know how much you can afford and how much you may need to save to get into your next house. Step 2 Get Preapproved for Your Mortgage In a quick conversation with you about your income, credit and down payment, a mortgage advisor will be able to pre-qualify you for your mortgage right on the spot. Call 800-599-1563 to talk to a licensed mortgage advisor to get a custom strategy on how to make your home purchase a reality. Get Your Quick QuoteGet Pre-Approved Step 3 Find the Right Real Estate Agent Starting your home buying journey online is a great place to start. But having a local expert in the feild is a must. We can help connect you with a local, Baltimore, Maryland Real Estate Agent who can help you find your next home. Step 4 Go House Hunting Your finances are solid, you've been preapproved and you have an expert on your side. It's time to go house hunting! Try making some lists, doing some research and asking questions. Step 5 Submit an Offer Once you’ve found the right home, it’s time to get serious! That means submitting an offer and signing a contract agreement with the sellers. Step 6 Get a Home Inspection and Appraisal If you've made it this far, you are officially unde contract! But now that you're under contract there is still some things to take care of, like a home inspection, appraisal and final mortgage approval. Step 7 Close on Your House This is it! All your hard work is done and now you have to sign the papers, take care of any payments and the keys are yours!
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just look at it !!!
I'm half-white... white enough to experience xenophobia instead of its ugly cousin, racism. My brother isn't –– he looks more like my mom. Despite only being four years apart, we had very different experiences with teachers and peers growing up, and it was because of the color of his skin. I know that racism is real, not a faded chapter of a history book or a dying ideology in remote parts of the South. It's physical; it takes up space in a room. I can see it in my brother's self-surveillance and his obsession with formal language. He's afraid to be mean and afraid to be stupid. Our mother pours out mere drops of cultural knowledge, and it slips through the space between our fingers because we're too clumsy to catch it when it falls. Growing up the child of an immigrant is asking how to cook a traditional dish over the phone, your mother sifting through aged memories as you scribble what she says haphazardly into your notes app.
If we zoom out, racism can be explored with eyes, ears, hands, tongue, and nose. You can see neglected schoolrooms devoid of the proper supplies and a neighborhood's general lack of access to a store stocked with healthy foods. You can hear the noise pollution of a highway built through a neighborhood. You can taste the hard metals leaching into a water supply. You can smell the air too close to a locally unwanted land use (landfill, concentrated animal feeding operation, etc.). The victims are almost always the inhabitants of a historically black and brown neighborhood, disproportionately impacted by a myriad of health maladies and dying to them at rates higher than their white counterparts (1).
Baltimore is the nation's favorite example when discussing the detrimental effects of redlining. The racially discriminatory policy allowed mortgage lenders and banks to exclude racial minorities from obtaining housing in certain neighborhoods (2). It was used to carve swathes of segregated neighborhoods, keeping black and white separate and disturbingly unequal. Despite being outlawed in 1968, the practice continued under different names like "blockbusting" and "exclusionary zoning" (3). Explicitly racist policy ensured the uneven development of neighborhoods. For example, schools are funded by local property taxes. If the local property value is low, the school with be underfunded, too. Children are left without the proper supplies, faculty, and curriculum to succeed, posing another social obstacle on the path to a high quality of life. Redlining, among many other things, heavily contributed to the racial wealth gap. The purchase of a house is oftentimes the largest investment a person will make in their lifetime. Being denied a loan to purchase property that will rise in value over the years is being denied the boon of that investment. While white families were able to invest, prosper and pass this wealth down to their children through multiple generations, black and brown families were systemically denied this same privilege. Instead, they were isolated into neighborhoods that received little to no public investment and suffered from discriminatory policy like where locally unwanted land uses are chosen to be built, whether schools should be funded at the state level or the federal level, and over-policing. Just to put it into perspective, in the 1930s black households comprised 20% of the population but were confined to 2% of Baltimore city (4). Their property value stayed low or decreased, making it almost impossible to simply sell the property and move somewhere "nicer." With what money? This was deliberate impoverishment.
Poorly enacted forms of reinvestment often lead to gentrification (a new housing issue seen as early as the 1960s) (5). Wealthy outsiders move into neighborhoods benefiting from the fruit of well-intentioned policy, raising the price of goods and services, and ultimately pushing out the people who were originally supposed to be the benefactors back into neglected neighborhoods. The cycle continues, all so racially linked.
I assume most Baltimoreans know about the Black Butterfly and the White L. If you're not from Baltimore, though, or if you don't know, it's in reference to the shape of the "area around the Inner Harbor and stretching straight North to the wealthy neighborhoods of Homeland and Guilford, with the low-income, majority Black neighborhoods that make up large swaths of East and West Baltimore" (6). Our campus is on the edge of a historic dividing line –– York Road. Property was sold to black families on the East side of York, and property was sold to white families on the West side of York. The difference is stark. It's obvious. Just go look at it.
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we buy houses for cash Baltimore - Real Estate Investing
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Owning commercial property can really boost your profile in multiple ways, but always be very cautious when attempting to either buy or sell any type of commercial real estate. It can come back to bite you in a bad way. You may want to pay attention to this article full of commercial real estate tips.
On the real estate market both buyers and sellers are well advised to remain open until a potential deal is well and truly sealed. It is tempting to commit to a particular offer or home when the sale process is just starting. There is a great distance between an interest expressed and money changing hands; homeowners who commit themselves to a deal too early risk getting taken advantage of.
When you begin to advertise your real estate through a website, you must understand that you have a very short amount of time to catch your visitors attention. If your content is not focused, you will instantly lose thousands of potential buyers. Make sure your site is focused if you want to get customers.
Buying a commercial property is a process that takes much longer than purchasing a single family home. It is going to take more time to prepare the property so keep that in mind. Do not try to rush and do things too fast because you may end up making bad decisions as a result.
One tip to being a good landlord is to make sure you check the references of anyone you would like as a tenant. Sometimes people can put on a good show and seem like they would be good tenants when in reality they would create a lot of problems for you. Better to be safe than sorry.
Make sure all details are finalized. After you have signed a real estate contract, be sure to stay in touch with your lender and real estate agent. A good realtor will go through everything that you need to have in place before settlement. Make sure that you have proper insurance and have figured out whether your real estate tax will be included in the mortgage payment, or you if you need to pay it separately.
The most successful commercial real estate investors are the ones who can find a good deal and know when to walk away from it. Develop an exit strategy and know how to calculate your minimum acceptable levels for payoff, returns, and projected cash flows. No matter how appealing the property may seem, do not hesitate to drop it if it will not perform to your expectations.
It has been a long hard road, but you are now the proud owner of a commercial property. By now, you certainly have decided what or who will be using the piece of real estate. Go ahead, celebrate. Celebrate the fact that you have accomplished a major goal.
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How Much Is Too Much for a Cannabis Business Loans?
If opening a business were as easy as coming up with a great idea, more people would do it. The truth is, starting any type of business will require hard work and dedication – when you add to that starting a business in a new and emerging market, you may find yourself with even more questions about how to get started.
As with most businesses, one of the most important factors to consider before you get started is where you will get your capital. Specifically when it comes to starting a cannabis business, obtaining financing won’t be as simple as walking into your neighborhood bank and applying for a business loan. Luckily, a reputable commercial lender is a great option for obtaining cannabis business loans in Oregon.
Factors to Consider When Applying for Cannabis Business Loans in Oregon
When applying for cannabis business loans in Oregon, it’s important to consider the capital that will be required for different factors of the business. The amount of money you’ll need for your cannabis business loan will depend on your circumstances, but you’ll want to budget for things like:
Licensing fees: Oregon has several types of licenses, which we’ll discuss in more detail below, ranging in prices from $1,000 to over $5,000
Registering your business with the Oregon Division of Corporations
Legal fees (it’s very helpful to have an attorney guide you through the varying state and local regulations applicable to operating a cannabis business in Oregon)
Real estate
Product and marketing
Obtaining a Cannabis Business License in Oregon
Oregon has several categories of business licenses to offer in the cannabis industry, ranging from producer/grower, wholesaler, retailer, and laboratory services, in addition to processing or researching. Oregon also offers a separate business license for hemp. Your cannabis business may hold multiple license types, depending on your focus. To acquire a cannabis business license in Oregon, you must be over 21 years of age, and have secured a building for your business, appropriate security for that building, and meet other required measures. Although you can apply for your license before these measures are in place, your application will not be approved until these requirements are finalized.
Why Commercial Lenders are Necessary for Cannabis Business Loans in Oregon
While many states have legalized the sale and use of both recreational and medical marijuana, cannabis is still considered illegal on the federal level. Therefore, banks, which are regulated and backed by the FDIC, cannot provide capital to the operator of a cannabis business. To do so would be considered money laundering.
Since obtaining a loan from a bank isn’t an option, it’s important to find a reputable commercial lender that is experienced in cannabis business loans in Oregon.
When researching cannabis business loans in Oregon, beware of the many predatory lenders that take advantage of cannabis business owners’ need for start-up capital. These unscrupulous businesses have been known to charge interest rates of up to 50 percent on their loans. A reputable lender will require lots of documentation from you to make sure that loaning you money doesn’t present a risk for them. You’ll likely be asked for balance sheets, income statements, and bank statements, along with your credit risk profile and your capital needs.
The Bottom Line: How Much Do You Need to Borrow?
Depending on the type and scale of cannabis business you’re looking to open, startup fees can range from $150,000 to $2 million. Your cost will depend partially on your location, and partially on the type of operation you run. Staffing can make up a huge portion of the startup fees, so if you have a small operation, this cost will be lower. Similarly, rent is another big chunk of capital which can fluctuate depending on your location and circumstances. It’s important to flesh out your business plan, and then find a reputable lender who will help you obtain your cannabis business loan in Oregon.
The post How Much Is Too Much for a Cannabis Business Loans? appeared first on Baltimore News Journal.
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Mariner Finance Personal Loan Review
What is Mariner Finance?
Originally associated with 1st Mariner Bank in Baltimore, Md., Mariner Finance is now an independent financial services organization which issues personal loans, auto loans, mortgages and home refinancing options. The company claims to be growing quickly, with over 450 branches across 22 states, and the ability to issue personal loans in 23 states.
Launched in 2002, Mariner Finance is unique in that it has no minimum credit score requirements, making its personal loans available to a wider spectrum of borrowers — especially those who may have trouble getting approved for a personal loan elsewhere. That flexibility comes with a price, though, as reflected in the APR offerings.
Mariner Finance personal loan highlights No prepayment penalties: Mariner Finances does not charge any prepayment penalties, allowing you to reduce the amount of interest you incur by paying off your loan at a faster clip. No minimum credit score requirement. By not setting a minimum credit score requirement, Mariner Finance opens its doors to all who may need a personal loan. This is a big deal as many times, those who could benefit most from a personal loan are shut out of the system. High APR. Just because you can get a personal loan doesn’t mean it will be affordable. With a negative credit history, you’re more likely to end up with an offer at the high end of Mariner Finance’s APR range — 36.00%. While this is a cheaper alternative to a payday loan, it’s still going to be an expensive way to borrow money. Terms: 12 to 60 months
Mariner Finance Personal Loan Details
Terms Fees and Penalties Term lengths: 12 to 60 months APR: up to 36.00% Loan amounts: $1,000–$25,000 Time to funding: As soon as 2 days after loan approval. Credit check: A Soft Pull will be performed when you check your offers, which will not affect your credit score. If you decide to follow up on that offer and file an application, a hard pull will be performed, which may have a negative impact on your credit score. Origination fee: Varies Prepayment fee: None Late payment fee: Not specified Other fees: Not specified
Mariner Finance product details
Loans between $1,500 and $7,000 can be completed online. When you complete a loan online, it can be funded in as little as two days after you have submitted your final paperwork. Loans in amounts less than $1,500 or greater than $7,000 can be initiated online, but must be completed at one of Mariner Finance’s physical locations. These loans may take a little longer to turn around.
Mariner Finance’s personal loans come with a 15-day guarantee. What that means is if you change your mind about your loan within the first 15 days and would like to return it, you can do so without penalty, repaying all the money and receiving a full refund for any finance charges you may have paid.
Eligibility requirements Minimum credit score: No minimum credit score Minimum credit history: Not specified Maximum debt-to-income ratio: Not specified
Mariner Finance is licensed to issue personal loans to residents of the following states: Alabama, California, Delaware, Florida, Georgia, Indiana, Illinois, Kentucky, Louisiana, Maryland, Mississippi, Missouri, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia and Wisconsin. Qualified residents of these states will be U.S. citizens, U.S. residents or foreign residents.
When you apply, you will need a government-issued photo ID and proof of income. If you apply for a loan greater than $7,000 or less than $1,500, you will need to complete the application process at one of Mariner Finance’s physical locations. In these instances, you will also need to provide your Social Security card and proof of residence.
Mariner Finance is very lenient in its qualification requirements. In fact, it even accepts applicants who have filed for bankruptcy. Bear in mind that while you may qualify for a loan, the more negative line items there are on your credit report, the more likely you are to get an APR offer in the top end of Mariner Finance’s range. This is an expensive way to borrow money, though it is still better than a payday loan.
Applying for a personal loan from Mariner Finance
The first step in getting a personal loan from Mariner Finance is checking your offers. You will be asked to provide information such as your name, citizenship or residency status, address, phone number, email, date of birth, employment status, employer information, income, Social Security number, loan amount and loan purpose. While your Social Security number will be ran to get an overview of your credit history, this will be a soft pull. Soft pulls do not affect your credit score.
After you have received an offer, you can move forward if you so choose. At this point in the application process, you will need to provide supporting documentation such as your government-issued ID and proof of income. If you are applying for a loan of less than $1,500 or more than $7,000, this documentation will need to be submitted in person. In these instances, you’ll also need to provide your Social Security card and proof of residence. At this point, a hard pull will be done on your credit. This may lower your credit score, but it’s a standard part of the lending process regardless of which financial institution you work with.
If you complete the process online, your loan could be funded as soon as two days after completing the application process. Loans which require an in-person meeting at a physical Mariner Finance location may take longer.
Either way, you have 15 days after your loan has been issued to reconsider your options. If you end up wishing you hadn’t taken out the loan, you can return the money within this timeframe with no questions asked. You will also receive a refund for any financing charges you may have paid.
Pros and Cons of a Mariner Finance Personal Loan
Pros Cons Lenient lending requirements: Mariner Finance lends to those with lower credit scores, and has no minimum credit score requirement. It’s even possible to get a personal loan with a bankruptcy on your credit report, but all of that leniency comes at a price. No prepayment penalty: No prepayment penalty means you can pay off your loan faster, cutting down on the amount of interest you pay over the life of your loan. Low minimum loan amounts: Loans of $1,500 are fairly low for the personal loan space, and you can get loans for even less if you are willing to visit an in-person location. Smaller loans mean that you’re not borrowing — and more importantly, paying interest on — more money than you need. High APR offerings: Mariner Finance offers higher rates. Ostensibly, that’s because it needs to make up for he credit risk it’s taking on by being so lenient with borrower requirements. It also means you should shop around to see if you can get lower rates elsewhere. Longer process for larger or smaller loans: Loans outside the $1,500-$7,000 range will require visiting a Mariner Finance location. This adds another step to the process, and can add time, too. State residency requirements. Mariner Finance is only licensed to issue personal loans in 23 states. Even if you think its personal loans might be a good match for your situation, you’ll be out of luck if you live in one of the other 27.
Who’s the best fit for a Mariner Finance personal loan?
If you’ve had trouble getting a personal loan elsewhere, Mariner Finance can be a good alternative to payday lenders. Its APR offerings are high compared to much of the competition, but the flip side of high APR offerings is a very lenient acceptance policy with no hard and fast minimum credit score requirement and a willingness to consider giving you another chance even if you’ve filed for bankruptcy in the past.
That said, you can only take advantage of the low credit requirements if you live in one of the 23 states in which Mariner Finance is licensed to lend. If you live in one of the other 27, have good credit or need access to loan funding ASAP, this lender likely isn’t the right match for you.
Alternative personal loan options Discover Personal Loans APR range: 6.99% to 24.99% Credit requirements: Minimum 660 credit score Terms: 36 to 84 months Origination fee: No origination fee
Discover offers personal loans with flexible repayment terms and No origination fee. The lender claims you may get a decision on your loan application in the same day you apply. Even better, if you have a change of heart, you can return your loan funds within 30 days without paying interest.
OneMain Financial APR range: 16.05%–35.99% Credit requirements: 0 Terms: 24 to 60 months Origination fee: Varies
OneMain Financial has similar rates to Mariner Finance, but you can get access to your funds a lot more quickly — sometimes as soon as the same day. OneMain Financial does have physical locations if face-to-face interaction is important to you during the loan application process. These branches are spread across 44 states, which is nearly twice as many as Mariner Finance.
Affinity Federal Credit Union APR: Starting at 9.75% Credit requirements: 525 Terms: Up to 60 months Origination fee: No origination fee
The fact that Affinity Federal Credit Union accepts those with credit scores as low as 525 is pretty incredible. On top of the low credit requirements, your APR, which could potentially start at 9.75%, is likely to be much lower than what Mariner Finance will offer you, even if you qualify by the skin of your teeth.
Interested in a personal loan? Here are the top personal loan lenders of 2019!
LenderAPR RangeLoan Amount 1 Includes AutoPay discount. Important Disclosures for SoFi. SoFi Disclosures Fixed rates from 5.990% APR to 16.490% APR (with AutoPay). Variable rates from 5.74% APR to 14.60% APR (with AutoPay). SoFi rate ranges are current as of February 15, 2019 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, years of professional experience, income and other factors. See APR examples and terms. Interest rates on variable rate loans are capped at 14.95%. Lowest variable rate of 5.74% APR assumes current 1-month LIBOR rate of 2.51% plus 4.28% margin minus 0.25% AutoPay discount. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull. See Consumer Licenses. Minimum Credit Score: Not all applicants who meet SoFi’s minimum credit score requirements are approved for a personal loan. In addition to meeting SoFi’s minimum eligibility criteria, applicants must also meet other credit and underwriting requirements to qualify. SoFi Personal Loans are not available to residents of MS. Maximum interest rate on loans for residents of AK and WY is 9.99% APR, for residents of IL with loans over $40,000 is 8.99% APR, for residents of TX is 9.99% APR on terms greater than 5 years, for residents of CO, CT, HI, VA, SC is 11.99% APR, and for residents of ME is 12.24% APR. Personal loans not available to residents of MI who already have a student loan with SoFi. Personal Loans minimum loan amount is $5,000. Residents of AZ, MA, and NH have a minimum loan amount of $10,001. Residents of KY have a minimum loan amount of $15,001. Residents of PA have a minimum loan amount of $25,001. Variable rates not available to residents of AK, TX, VA, WY, or for residents of IL for loans greater than $40,000. Terms and Conditions Apply: SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 2 Includes AutoPay discount. Important Disclosures for Payoff. Payoff Disclosures All loans are subject to credit review and approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage and history. Currently loans are not offered in: MA, MS, NE, NV, OH, and WV. 3 Important Disclosures for FreedomPlus. FreedomPlus Disclosures All loans available through FreedomPlus.com are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Eligibility for a loan is not guaranteed. Loans are not available to residents of all states – please call a FreedomPlus representative for further details. The following limitations, in addition to others, shall apply: FreedomPlus does not arrange loans in: (i) Arizona under $10,500; (ii) Massachusetts under $6,500, (iii) Ohio under $5,500, and (iv) Georgia under $3,500. Repayment periods range from 24 to 60 months. The range of APRs on loans made available through FreedomPlus is 5.99% to a maximum of 29.99%. APR. The APR calculation includes all applicable fees, including the loan origination fee. For Example, a four year $20,000 loan with an interest rate of 15.49% and corresponding APR of 18.34% would have an estimated monthly payment of $561.60 and a total cost payable of $7,948.13. To qualify for a 5.99% APR loan, a borrower will need excellent credit on a loan for an amount less than $12,000.00, and with a term equal to 24 months. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to directly pay off qualifying existing debt; or showing proof of sufficient retirement savings, could help you also qualify for the lowest rate available. 4 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Personal Loan Rate Disclosure: Fixed interest rates from 6.79% – 20.89% (6.79% – 20.89% APR) based on applicable terms. Lowest rates range from 5.99%-18.99% (5.99%-18.99% APR), are for eligible applicants, require a 3-year repayment term, and include our Loyalty and Automatic Payment Discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Loyalty Discount: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower has a qualifying account in existence with us at the time the borrower has submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, student loans or other personal loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI and VT. This discount will be reflected in the interest rate and Annual Percentage Rate (APR) disclosed in the Truth-In-Lending Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan, and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their Citizens Bank Personal Loan during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account two or more times within any 12-month period, the borrower will no longer be eligible for this discount. 5 Important Disclosures for LendingPoint. LendingPoint Disclosures Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary based upon LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 6% may apply depending upon your state of residence. Upon LendingPoint’s final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. LendingPoint makes loan offers from $2,000 to $25,000, at rates ranging from a low of 9.99% APR to a high of 35.99% APR, with terms from 24 to 48 months. The loan offer(s) shown reflect a 28 day payment cycle which is being offered as a courtesy as many of our customers are paid on a biweekly schedule and thus this may better align the loan payment dates with your actual income receipt schedule. 6 Important Disclosures for LendingClub. LendingClub Disclosures
All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history. The APR ranges from 6.95% to 35.89%*. The origination fee ranges from 1% to 6% of the original principal balance and is deducted from your loan proceeds. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at the time of application. The average origination fee is 5.49% as of Q1 2017. In Georgia, the minimum loan amount is $3,025. In Massachusetts, the minimum loan amount is $6,025 if your APR is greater than 12%. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the www.lendingclub.com website. All loans via LendingClub have a minimum repayment term of 36 months. Borrower must be a U.S. citizen, permanent resident or be in the United States on a valid long term visa and at least 18 years old. Valid bank account and Social Security number are required. Equal Housing Lender. All loans are subject to credit approval. LendingClub’s physical address is: LendingClub, 71 Stevenson Street, Suite 1000, San Francisco, CA 94105.
†Per reviews collected and authenticated by Bazaarvoice in compliance with the Bazaarvoice Authentication Requirements, supported by anti-fraud technology and human analysis. All reviews can be reviewed at reviews.lendingclub.com
**Based on approximately 60% of borrowers who received offers through LendingClub’s marketing partners between January 1, 2018 to July 20,2018. The time it will take to fund your loan may vary.
7 Important Disclosures for Earnest. Earnest Disclosures Earnest does not lend in Alabama, Delaware, Kentucky, Nevada, or Rhode Island. 8 Important Disclosures for Avant. Avant Disclosures
* The actual rate and loan amount that a customer qualifies for may vary based on credit determination and other factors. Funds are generally deposited via ACH for delivery next business day if approved by 4:30pm CT Monday-Friday. Avant branded credit products are issued by WebBank, member FDIC.
** Example: A $5,700 loan with an administration fee of 4.75% and an amount financed of $5,429.25, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $230.33
* Important Disclosures for Upgrade Bank. Upgrade Bank Disclosures
* Your loan terms are not guaranteed and are subject to our verification and review process. You may be asked to provide additional documents to enable us to verify your income and your identity. This rate includes an Autopay APR reduction of 0.5%. By enrolling in Autopay your payments will be automatically deducted from you bank account. Selecting Autopay is optional. Annual Percentage Rate is inclusive of a loan origination fee, which is deducted from the loan proceeds. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. All loans made by WebBank, member FDIC. Please refer to Upgrade’s Terms of Use and Borrower Agreement for all terms, conditions and requirements.
** Accept your loan offer and your funds will be sent to your bank via ACH within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes this transaction. From the time of approval, funds should be available within four (4) business days.
8.09% – 35.99%$1,000 - $50,000
Visit Upstart
5.74% – 16.49%1$5,000 - $100,000
Visit SoFi
7.99% – 35.89%*$1,000 - $50,000
Visit Upgrade
5.99% – 24.99%2$5,000 - $35,000
Visit Payoff
5.99% – 29.99%3$7,500 - $40,000
Visit FreedomPlus
6.79% – 20.89%4$5,000 - $50,000
Visit Citizens
9.99% – 35.99%5$2,000 - $25,000
Visit LendingPoint
6.95% – 35.89%6$1,000 - $40,000
Visit LendingClub
6.99% – 18.24%7$5,000 - $75,000
Visit Earnest
9.95% – 35.99%8$2,000 - $35,000
Visit Avant
Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.
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Mariner Finance Personal Loan Review
What is Mariner Finance?
Originally associated with 1st Mariner Bank in Baltimore, Md., Mariner Finance is now an independent financial services organization which issues personal loans, auto loans, mortgages and home refinancing options. The company claims to be growing quickly, with over 450 branches across 22 states, and the ability to issue personal loans in 23 states.
Launched in 2002, Mariner Finance is unique in that it has no minimum credit score requirements, making its personal loans available to a wider spectrum of borrowers — especially those who may have trouble getting approved for a personal loan elsewhere. That flexibility comes with a price, though, as reflected in the APR offerings.
Mariner Finance personal loan highlights No prepayment penalties: Mariner Finances does not charge any prepayment penalties, allowing you to reduce the amount of interest you incur by paying off your loan at a faster clip. No minimum credit score requirement. By not setting a minimum credit score requirement, Mariner Finance opens its doors to all who may need a personal loan. This is a big deal as many times, those who could benefit most from a personal loan are shut out of the system. High APR. Just because you can get a personal loan doesn’t mean it will be affordable. With a negative credit history, you’re more likely to end up with an offer at the high end of Mariner Finance’s APR range — 36.00%. While this is a cheaper alternative to a payday loan, it’s still going to be an expensive way to borrow money. Terms: 12 to 60 months
Mariner Finance Personal Loan Details
Terms Fees and Penalties Term lengths: 12 to 60 months APR: up to 36.00% Loan amounts: $1,000–$25,000 Time to funding: As soon as 2 days after loan approval. Credit check: A Soft Pull will be performed when you check your offers, which will not affect your credit score. If you decide to follow up on that offer and file an application, a hard pull will be performed, which may have a negative impact on your credit score. Origination fee: Varies Prepayment fee: None Late payment fee: Not specified Other fees: Not specified
Mariner Finance product details
Loans between $1,500 and $7,000 can be completed online. When you complete a loan online, it can be funded in as little as two days after you have submitted your final paperwork. Loans in amounts less than $1,500 or greater than $7,000 can be initiated online, but must be completed at one of Mariner Finance’s physical locations. These loans may take a little longer to turn around.
Mariner Finance’s personal loans come with a 15-day guarantee. What that means is if you change your mind about your loan within the first 15 days and would like to return it, you can do so without penalty, repaying all the money and receiving a full refund for any finance charges you may have paid.
Eligibility requirements Minimum credit score: No minimum credit score Minimum credit history: Not specified Maximum debt-to-income ratio: Not specified
Mariner Finance is licensed to issue personal loans to residents of the following states: Alabama, California, Delaware, Florida, Georgia, Indiana, Illinois, Kentucky, Louisiana, Maryland, Mississippi, Missouri, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia and Wisconsin. Qualified residents of these states will be U.S. citizens, U.S. residents or foreign residents.
When you apply, you will need a government-issued photo ID and proof of income. If you apply for a loan greater than $7,000 or less than $1,500, you will need to complete the application process at one of Mariner Finance’s physical locations. In these instances, you will also need to provide your Social Security card and proof of residence.
Mariner Finance is very lenient in its qualification requirements. In fact, it even accepts applicants who have filed for bankruptcy. Bear in mind that while you may qualify for a loan, the more negative line items there are on your credit report, the more likely you are to get an APR offer in the top end of Mariner Finance’s range. This is an expensive way to borrow money, though it is still better than a payday loan.
Applying for a personal loan from Mariner Finance
The first step in getting a personal loan from Mariner Finance is checking your offers. You will be asked to provide information such as your name, citizenship or residency status, address, phone number, email, date of birth, employment status, employer information, income, Social Security number, loan amount and loan purpose. While your Social Security number will be ran to get an overview of your credit history, this will be a soft pull. Soft pulls do not affect your credit score.
After you have received an offer, you can move forward if you so choose. At this point in the application process, you will need to provide supporting documentation such as your government-issued ID and proof of income. If you are applying for a loan of less than $1,500 or more than $7,000, this documentation will need to be submitted in person. In these instances, you’ll also need to provide your Social Security card and proof of residence. At this point, a hard pull will be done on your credit. This may lower your credit score, but it’s a standard part of the lending process regardless of which financial institution you work with.
If you complete the process online, your loan could be funded as soon as two days after completing the application process. Loans which require an in-person meeting at a physical Mariner Finance location may take longer.
Either way, you have 15 days after your loan has been issued to reconsider your options. If you end up wishing you hadn’t taken out the loan, you can return the money within this timeframe with no questions asked. You will also receive a refund for any financing charges you may have paid.
Pros and Cons of a Mariner Finance Personal Loan
Pros Cons Lenient lending requirements: Mariner Finance lends to those with lower credit scores, and has no minimum credit score requirement. It’s even possible to get a personal loan with a bankruptcy on your credit report, but all of that leniency comes at a price. No prepayment penalty: No prepayment penalty means you can pay off your loan faster, cutting down on the amount of interest you pay over the life of your loan. Low minimum loan amounts: Loans of $1,500 are fairly low for the personal loan space, and you can get loans for even less if you are willing to visit an in-person location. Smaller loans mean that you’re not borrowing — and more importantly, paying interest on — more money than you need. High APR offerings: Mariner Finance offers higher rates. Ostensibly, that’s because it needs to make up for he credit risk it’s taking on by being so lenient with borrower requirements. It also means you should shop around to see if you can get lower rates elsewhere. Longer process for larger or smaller loans: Loans outside the $1,500-$7,000 range will require visiting a Mariner Finance location. This adds another step to the process, and can add time, too. State residency requirements. Mariner Finance is only licensed to issue personal loans in 23 states. Even if you think its personal loans might be a good match for your situation, you’ll be out of luck if you live in one of the other 27.
Who’s the best fit for a Mariner Finance personal loan?
If you’ve had trouble getting a personal loan elsewhere, Mariner Finance can be a good alternative to payday lenders. Its APR offerings are high compared to much of the competition, but the flip side of high APR offerings is a very lenient acceptance policy with no hard and fast minimum credit score requirement and a willingness to consider giving you another chance even if you’ve filed for bankruptcy in the past.
That said, you can only take advantage of the low credit requirements if you live in one of the 23 states in which Mariner Finance is licensed to lend. If you live in one of the other 27, have good credit or need access to loan funding ASAP, this lender likely isn’t the right match for you.
Alternative personal loan options Discover Personal Loans APR range: 6.99% to 24.99% Credit requirements: Minimum 660 credit score Terms: 36 to 84 months Origination fee: No origination fee
Discover offers personal loans with flexible repayment terms and No origination fee. The lender claims you may get a decision on your loan application in the same day you apply. Even better, if you have a change of heart, you can return your loan funds within 30 days without paying interest.
OneMain Financial APR range: 16.05%–35.99% Credit requirements: 0 Terms: 24 to 60 months Origination fee: Varies
OneMain Financial has similar rates to Mariner Finance, but you can get access to your funds a lot more quickly — sometimes as soon as the same day. OneMain Financial does have physical locations if face-to-face interaction is important to you during the loan application process. These branches are spread across 44 states, which is nearly twice as many as Mariner Finance.
Affinity Federal Credit Union APR: Starting at 9.75% Credit requirements: 525 Terms: Up to 60 months Origination fee: No origination fee
The fact that Affinity Federal Credit Union accepts those with credit scores as low as 525 is pretty incredible. On top of the low credit requirements, your APR, which could potentially start at 9.75%, is likely to be much lower than what Mariner Finance will offer you, even if you qualify by the skin of your teeth.
Interested in a personal loan? Here are the top personal loan lenders of 2019!
LenderAPR RangeLoan Amount 1 Includes AutoPay discount. Important Disclosures for SoFi. SoFi Disclosures Fixed rates from 5.990% APR to 16.490% APR (with AutoPay). Variable rates from 5.74% APR to 14.60% APR (with AutoPay). SoFi rate ranges are current as of February 15, 2019 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, years of professional experience, income and other factors. See APR examples and terms. Interest rates on variable rate loans are capped at 14.95%. Lowest variable rate of 5.74% APR assumes current 1-month LIBOR rate of 2.51% plus 4.28% margin minus 0.25% AutoPay discount. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull. See Consumer Licenses. Minimum Credit Score: Not all applicants who meet SoFi’s minimum credit score requirements are approved for a personal loan. In addition to meeting SoFi’s minimum eligibility criteria, applicants must also meet other credit and underwriting requirements to qualify. SoFi Personal Loans are not available to residents of MS. Maximum interest rate on loans for residents of AK and WY is 9.99% APR, for residents of IL with loans over $40,000 is 8.99% APR, for residents of TX is 9.99% APR on terms greater than 5 years, for residents of CO, CT, HI, VA, SC is 11.99% APR, and for residents of ME is 12.24% APR. Personal loans not available to residents of MI who already have a student loan with SoFi. Personal Loans minimum loan amount is $5,000. Residents of AZ, MA, and NH have a minimum loan amount of $10,001. Residents of KY have a minimum loan amount of $15,001. Residents of PA have a minimum loan amount of $25,001. Variable rates not available to residents of AK, TX, VA, WY, or for residents of IL for loans greater than $40,000. Terms and Conditions Apply: SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 2 Includes AutoPay discount. Important Disclosures for Payoff. Payoff Disclosures All loans are subject to credit review and approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage and history. Currently loans are not offered in: MA, MS, NE, NV, OH, and WV. 3 Important Disclosures for FreedomPlus. FreedomPlus Disclosures All loans available through FreedomPlus.com are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Eligibility for a loan is not guaranteed. Loans are not available to residents of all states – please call a FreedomPlus representative for further details. The following limitations, in addition to others, shall apply: FreedomPlus does not arrange loans in: (i) Arizona under $10,500; (ii) Massachusetts under $6,500, (iii) Ohio under $5,500, and (iv) Georgia under $3,500. Repayment periods range from 24 to 60 months. The range of APRs on loans made available through FreedomPlus is 5.99% to a maximum of 29.99%. APR. The APR calculation includes all applicable fees, including the loan origination fee. For Example, a four year $20,000 loan with an interest rate of 15.49% and corresponding APR of 18.34% would have an estimated monthly payment of $561.60 and a total cost payable of $7,948.13. To qualify for a 5.99% APR loan, a borrower will need excellent credit on a loan for an amount less than $12,000.00, and with a term equal to 24 months. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to directly pay off qualifying existing debt; or showing proof of sufficient retirement savings, could help you also qualify for the lowest rate available. 4 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Personal Loan Rate Disclosure: Fixed interest rates from 6.79% – 20.89% (6.79% – 20.89% APR) based on applicable terms. Lowest rates range from 5.99%-18.99% (5.99%-18.99% APR), are for eligible applicants, require a 3-year repayment term, and include our Loyalty and Automatic Payment Discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Loyalty Discount: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower has a qualifying account in existence with us at the time the borrower has submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, student loans or other personal loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI and VT. This discount will be reflected in the interest rate and Annual Percentage Rate (APR) disclosed in the Truth-In-Lending Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan, and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their Citizens Bank Personal Loan during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account two or more times within any 12-month period, the borrower will no longer be eligible for this discount. 5 Important Disclosures for LendingPoint. LendingPoint Disclosures Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary based upon LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 6% may apply depending upon your state of residence. Upon LendingPoint’s final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. LendingPoint makes loan offers from $2,000 to $25,000, at rates ranging from a low of 9.99% APR to a high of 35.99% APR, with terms from 24 to 48 months. The loan offer(s) shown reflect a 28 day payment cycle which is being offered as a courtesy as many of our customers are paid on a biweekly schedule and thus this may better align the loan payment dates with your actual income receipt schedule. 6 Important Disclosures for LendingClub. LendingClub Disclosures
All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history. The APR ranges from 6.95% to 35.89%*. The origination fee ranges from 1% to 6% of the original principal balance and is deducted from your loan proceeds. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at the time of application. The average origination fee is 5.49% as of Q1 2017. In Georgia, the minimum loan amount is $3,025. In Massachusetts, the minimum loan amount is $6,025 if your APR is greater than 12%. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the www.lendingclub.com website. All loans via LendingClub have a minimum repayment term of 36 months. Borrower must be a U.S. citizen, permanent resident or be in the United States on a valid long term visa and at least 18 years old. Valid bank account and Social Security number are required. Equal Housing Lender. All loans are subject to credit approval. LendingClub’s physical address is: LendingClub, 71 Stevenson Street, Suite 1000, San Francisco, CA 94105.
†Per reviews collected and authenticated by Bazaarvoice in compliance with the Bazaarvoice Authentication Requirements, supported by anti-fraud technology and human analysis. All reviews can be reviewed at reviews.lendingclub.com
**Based on approximately 60% of borrowers who received offers through LendingClub’s marketing partners between January 1, 2018 to July 20,2018. The time it will take to fund your loan may vary.
7 Important Disclosures for Earnest. Earnest Disclosures Earnest does not lend in Alabama, Delaware, Kentucky, Nevada, or Rhode Island. 8 Important Disclosures for Avant. Avant Disclosures
* The actual rate and loan amount that a customer qualifies for may vary based on credit determination and other factors. Funds are generally deposited via ACH for delivery next business day if approved by 4:30pm CT Monday-Friday. Avant branded credit products are issued by WebBank, member FDIC.
** Example: A $5,700 loan with an administration fee of 4.75% and an amount financed of $5,429.25, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $230.33
* Important Disclosures for Upgrade Bank. Upgrade Bank Disclosures
* Your loan terms are not guaranteed and are subject to our verification and review process. You may be asked to provide additional documents to enable us to verify your income and your identity. This rate includes an Autopay APR reduction of 0.5%. By enrolling in Autopay your payments will be automatically deducted from you bank account. Selecting Autopay is optional. Annual Percentage Rate is inclusive of a loan origination fee, which is deducted from the loan proceeds. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. All loans made by WebBank, member FDIC. Please refer to Upgrade’s Terms of Use and Borrower Agreement for all terms, conditions and requirements.
** Accept your loan offer and your funds will be sent to your bank via ACH within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes this transaction. From the time of approval, funds should be available within four (4) business days.
8.09% – 35.99%$1,000 - $50,000
Visit Upstart
5.74% – 16.49%1$5,000 - $100,000
Visit SoFi
7.99% – 35.89%*$1,000 - $50,000
Visit Upgrade
5.99% – 24.99%2$5,000 - $35,000
Visit Payoff
5.99% – 29.99%3$7,500 - $40,000
Visit FreedomPlus
6.79% – 20.89%4$5,000 - $50,000
Visit Citizens
9.99% – 35.99%5$2,000 - $25,000
Visit LendingPoint
6.95% – 35.89%6$1,000 - $40,000
Visit LendingClub
6.99% – 18.24%7$5,000 - $75,000
Visit Earnest
9.95% – 35.99%8$2,000 - $35,000
Visit Avant
Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.
The post Mariner Finance Personal Loan Review appeared first on Student Loan Hero.
from Updates About Loans https://studentloanhero.com/featured/mariner-finance-personal-loan-review/
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Mariner Finance Personal Loan Review
What is Mariner Finance?
Originally associated with 1st Mariner Bank in Baltimore, Md., Mariner Finance is now an independent financial services organization which issues personal loans, auto loans, mortgages and home refinancing options. The company claims to be growing quickly, with over 450 branches across 22 states, and the ability to issue personal loans in 23 states.
Launched in 2002, Mariner Finance is unique in that it has no minimum credit score requirements, making its personal loans available to a wider spectrum of borrowers — especially those who may have trouble getting approved for a personal loan elsewhere. That flexibility comes with a price, though, as reflected in the APR offerings.
Mariner Finance personal loan highlights No prepayment penalties: Mariner Finances does not charge any prepayment penalties, allowing you to reduce the amount of interest you incur by paying off your loan at a faster clip. No minimum credit score requirement. By not setting a minimum credit score requirement, Mariner Finance opens its doors to all who may need a personal loan. This is a big deal as many times, those who could benefit most from a personal loan are shut out of the system. High APR. Just because you can get a personal loan doesn’t mean it will be affordable. With a negative credit history, you’re more likely to end up with an offer at the high end of Mariner Finance’s APR range — 36.00%. While this is a cheaper alternative to a payday loan, it’s still going to be an expensive way to borrow money. Terms: 12 to 60 months
Mariner Finance Personal Loan Details
Terms Fees and Penalties Term lengths: 12 to 60 months APR: up to 36.00% Loan amounts: $1,000–$25,000 Time to funding: As soon as 2 days after loan approval. Credit check: A Soft Pull will be performed when you check your offers, which will not affect your credit score. If you decide to follow up on that offer and file an application, a hard pull will be performed, which may have a negative impact on your credit score. Origination fee: Varies Prepayment fee: None Late payment fee: Not specified Other fees: Not specified
Mariner Finance product details
Loans between $1,500 and $7,000 can be completed online. When you complete a loan online, it can be funded in as little as two days after you have submitted your final paperwork. Loans in amounts less than $1,500 or greater than $7,000 can be initiated online, but must be completed at one of Mariner Finance’s physical locations. These loans may take a little longer to turn around.
Mariner Finance’s personal loans come with a 15-day guarantee. What that means is if you change your mind about your loan within the first 15 days and would like to return it, you can do so without penalty, repaying all the money and receiving a full refund for any finance charges you may have paid.
Eligibility requirements Minimum credit score: No minimum credit score Minimum credit history: Not specified Maximum debt-to-income ratio: Not specified
Mariner Finance is licensed to issue personal loans to residents of the following states: Alabama, California, Delaware, Florida, Georgia, Indiana, Illinois, Kentucky, Louisiana, Maryland, Mississippi, Missouri, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia and Wisconsin. Qualified residents of these states will be U.S. citizens, U.S. residents or foreign residents.
When you apply, you will need a government-issued photo ID and proof of income. If you apply for a loan greater than $7,000 or less than $1,500, you will need to complete the application process at one of Mariner Finance’s physical locations. In these instances, you will also need to provide your Social Security card and proof of residence.
Mariner Finance is very lenient in its qualification requirements. In fact, it even accepts applicants who have filed for bankruptcy. Bear in mind that while you may qualify for a loan, the more negative line items there are on your credit report, the more likely you are to get an APR offer in the top end of Mariner Finance’s range. This is an expensive way to borrow money, though it is still better than a payday loan.
Applying for a personal loan from Mariner Finance
The first step in getting a personal loan from Mariner Finance is checking your offers. You will be asked to provide information such as your name, citizenship or residency status, address, phone number, email, date of birth, employment status, employer information, income, Social Security number, loan amount and loan purpose. While your Social Security number will be ran to get an overview of your credit history, this will be a soft pull. Soft pulls do not affect your credit score.
After you have received an offer, you can move forward if you so choose. At this point in the application process, you will need to provide supporting documentation such as your government-issued ID and proof of income. If you are applying for a loan of less than $1,500 or more than $7,000, this documentation will need to be submitted in person. In these instances, you’ll also need to provide your Social Security card and proof of residence. At this point, a hard pull will be done on your credit. This may lower your credit score, but it’s a standard part of the lending process regardless of which financial institution you work with.
If you complete the process online, your loan could be funded as soon as two days after completing the application process. Loans which require an in-person meeting at a physical Mariner Finance location may take longer.
Either way, you have 15 days after your loan has been issued to reconsider your options. If you end up wishing you hadn’t taken out the loan, you can return the money within this timeframe with no questions asked. You will also receive a refund for any financing charges you may have paid.
Pros and Cons of a Mariner Finance Personal Loan
Pros Cons Lenient lending requirements: Mariner Finance lends to those with lower credit scores, and has no minimum credit score requirement. It’s even possible to get a personal loan with a bankruptcy on your credit report, but all of that leniency comes at a price. No prepayment penalty: No prepayment penalty means you can pay off your loan faster, cutting down on the amount of interest you pay over the life of your loan. Low minimum loan amounts: Loans of $1,500 are fairly low for the personal loan space, and you can get loans for even less if you are willing to visit an in-person location. Smaller loans mean that you’re not borrowing — and more importantly, paying interest on — more money than you need. High APR offerings: Mariner Finance offers higher rates. Ostensibly, that’s because it needs to make up for he credit risk it’s taking on by being so lenient with borrower requirements. It also means you should shop around to see if you can get lower rates elsewhere. Longer process for larger or smaller loans: Loans outside the $1,500-$7,000 range will require visiting a Mariner Finance location. This adds another step to the process, and can add time, too. State residency requirements. Mariner Finance is only licensed to issue personal loans in 23 states. Even if you think its personal loans might be a good match for your situation, you’ll be out of luck if you live in one of the other 27.
Who’s the best fit for a Mariner Finance personal loan?
If you’ve had trouble getting a personal loan elsewhere, Mariner Finance can be a good alternative to payday lenders. Its APR offerings are high compared to much of the competition, but the flip side of high APR offerings is a very lenient acceptance policy with no hard and fast minimum credit score requirement and a willingness to consider giving you another chance even if you’ve filed for bankruptcy in the past.
That said, you can only take advantage of the low credit requirements if you live in one of the 23 states in which Mariner Finance is licensed to lend. If you live in one of the other 27, have good credit or need access to loan funding ASAP, this lender likely isn’t the right match for you.
Alternative personal loan options Discover Personal Loans APR range: 6.99% to 24.99% Credit requirements: Minimum 660 credit score Terms: 36 to 84 months Origination fee: No origination fee
Discover offers personal loans with flexible repayment terms and No origination fee. The lender claims you may get a decision on your loan application in the same day you apply. Even better, if you have a change of heart, you can return your loan funds within 30 days without paying interest.
OneMain Financial APR range: 16.05%–35.99% Credit requirements: 0 Terms: 24 to 60 months Origination fee: Varies
OneMain Financial has similar rates to Mariner Finance, but you can get access to your funds a lot more quickly — sometimes as soon as the same day. OneMain Financial does have physical locations if face-to-face interaction is important to you during the loan application process. These branches are spread across 44 states, which is nearly twice as many as Mariner Finance.
Affinity Federal Credit Union APR: Starting at 9.75% Credit requirements: 525 Terms: Up to 60 months Origination fee: No origination fee
The fact that Affinity Federal Credit Union accepts those with credit scores as low as 525 is pretty incredible. On top of the low credit requirements, your APR, which could potentially start at 9.75%, is likely to be much lower than what Mariner Finance will offer you, even if you qualify by the skin of your teeth.
Interested in a personal loan? Here are the top personal loan lenders of 2019!
LenderAPR RangeLoan Amount 1 Includes AutoPay discount. Important Disclosures for SoFi. SoFi Disclosures Fixed rates from 5.990% APR to 16.490% APR (with AutoPay). Variable rates from 5.74% APR to 14.60% APR (with AutoPay). SoFi rate ranges are current as of February 15, 2019 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, years of professional experience, income and other factors. See APR examples and terms. Interest rates on variable rate loans are capped at 14.95%. Lowest variable rate of 5.74% APR assumes current 1-month LIBOR rate of 2.51% plus 4.28% margin minus 0.25% AutoPay discount. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull. See Consumer Licenses. Minimum Credit Score: Not all applicants who meet SoFi’s minimum credit score requirements are approved for a personal loan. In addition to meeting SoFi’s minimum eligibility criteria, applicants must also meet other credit and underwriting requirements to qualify. SoFi Personal Loans are not available to residents of MS. Maximum interest rate on loans for residents of AK and WY is 9.99% APR, for residents of IL with loans over $40,000 is 8.99% APR, for residents of TX is 9.99% APR on terms greater than 5 years, for residents of CO, CT, HI, VA, SC is 11.99% APR, and for residents of ME is 12.24% APR. Personal loans not available to residents of MI who already have a student loan with SoFi. Personal Loans minimum loan amount is $5,000. Residents of AZ, MA, and NH have a minimum loan amount of $10,001. Residents of KY have a minimum loan amount of $15,001. Residents of PA have a minimum loan amount of $25,001. Variable rates not available to residents of AK, TX, VA, WY, or for residents of IL for loans greater than $40,000. Terms and Conditions Apply: SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 2 Includes AutoPay discount. Important Disclosures for Payoff. Payoff Disclosures All loans are subject to credit review and approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage and history. Currently loans are not offered in: MA, MS, NE, NV, OH, and WV. 3 Important Disclosures for FreedomPlus. FreedomPlus Disclosures All loans available through FreedomPlus.com are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Eligibility for a loan is not guaranteed. Loans are not available to residents of all states – please call a FreedomPlus representative for further details. The following limitations, in addition to others, shall apply: FreedomPlus does not arrange loans in: (i) Arizona under $10,500; (ii) Massachusetts under $6,500, (iii) Ohio under $5,500, and (iv) Georgia under $3,500. Repayment periods range from 24 to 60 months. The range of APRs on loans made available through FreedomPlus is 5.99% to a maximum of 29.99%. APR. The APR calculation includes all applicable fees, including the loan origination fee. For Example, a four year $20,000 loan with an interest rate of 15.49% and corresponding APR of 18.34% would have an estimated monthly payment of $561.60 and a total cost payable of $7,948.13. To qualify for a 5.99% APR loan, a borrower will need excellent credit on a loan for an amount less than $12,000.00, and with a term equal to 24 months. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to directly pay off qualifying existing debt; or showing proof of sufficient retirement savings, could help you also qualify for the lowest rate available. 4 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Personal Loan Rate Disclosure: Fixed interest rates from 6.79% – 20.89% (6.79% – 20.89% APR) based on applicable terms. Lowest rates range from 5.99%-18.99% (5.99%-18.99% APR), are for eligible applicants, require a 3-year repayment term, and include our Loyalty and Automatic Payment Discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Loyalty Discount: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower has a qualifying account in existence with us at the time the borrower has submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, student loans or other personal loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI and VT. This discount will be reflected in the interest rate and Annual Percentage Rate (APR) disclosed in the Truth-In-Lending Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan, and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their Citizens Bank Personal Loan during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account two or more times within any 12-month period, the borrower will no longer be eligible for this discount. 5 Important Disclosures for LendingPoint. LendingPoint Disclosures Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary based upon LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 6% may apply depending upon your state of residence. Upon LendingPoint’s final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. LendingPoint makes loan offers from $2,000 to $25,000, at rates ranging from a low of 9.99% APR to a high of 35.99% APR, with terms from 24 to 48 months. The loan offer(s) shown reflect a 28 day payment cycle which is being offered as a courtesy as many of our customers are paid on a biweekly schedule and thus this may better align the loan payment dates with your actual income receipt schedule. 6 Important Disclosures for LendingClub. LendingClub Disclosures
All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history. The APR ranges from 6.95% to 35.89%*. The origination fee ranges from 1% to 6% of the original principal balance and is deducted from your loan proceeds. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at the time of application. The average origination fee is 5.49% as of Q1 2017. In Georgia, the minimum loan amount is $3,025. In Massachusetts, the minimum loan amount is $6,025 if your APR is greater than 12%. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the www.lendingclub.com website. All loans via LendingClub have a minimum repayment term of 36 months. Borrower must be a U.S. citizen, permanent resident or be in the United States on a valid long term visa and at least 18 years old. Valid bank account and Social Security number are required. Equal Housing Lender. All loans are subject to credit approval. LendingClub’s physical address is: LendingClub, 71 Stevenson Street, Suite 1000, San Francisco, CA 94105.
†Per reviews collected and authenticated by Bazaarvoice in compliance with the Bazaarvoice Authentication Requirements, supported by anti-fraud technology and human analysis. All reviews can be reviewed at reviews.lendingclub.com
**Based on approximately 60% of borrowers who received offers through LendingClub’s marketing partners between January 1, 2018 to July 20,2018. The time it will take to fund your loan may vary.
7 Important Disclosures for Earnest. Earnest Disclosures Earnest does not lend in Alabama, Delaware, Kentucky, Nevada, or Rhode Island. 8 Important Disclosures for Avant. Avant Disclosures
* The actual rate and loan amount that a customer qualifies for may vary based on credit determination and other factors. Funds are generally deposited via ACH for delivery next business day if approved by 4:30pm CT Monday-Friday. Avant branded credit products are issued by WebBank, member FDIC.
** Example: A $5,700 loan with an administration fee of 4.75% and an amount financed of $5,429.25, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $230.33
* Important Disclosures for Upgrade Bank. Upgrade Bank Disclosures
* Your loan terms are not guaranteed and are subject to our verification and review process. You may be asked to provide additional documents to enable us to verify your income and your identity. This rate includes an Autopay APR reduction of 0.5%. By enrolling in Autopay your payments will be automatically deducted from you bank account. Selecting Autopay is optional. Annual Percentage Rate is inclusive of a loan origination fee, which is deducted from the loan proceeds. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. All loans made by WebBank, member FDIC. Please refer to Upgrade’s Terms of Use and Borrower Agreement for all terms, conditions and requirements.
** Accept your loan offer and your funds will be sent to your bank via ACH within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes this transaction. From the time of approval, funds should be available within four (4) business days.
8.09% – 35.99%$1,000 - $50,000
Visit Upstart
5.74% – 16.49%1$5,000 - $100,000
Visit SoFi
7.99% – 35.89%*$1,000 - $50,000
Visit Upgrade
5.99% – 24.99%2$5,000 - $35,000
Visit Payoff
5.99% – 29.99%3$7,500 - $40,000
Visit FreedomPlus
6.79% – 20.89%4$5,000 - $50,000
Visit Citizens
9.99% – 35.99%5$2,000 - $25,000
Visit LendingPoint
6.95% – 35.89%6$1,000 - $40,000
Visit LendingClub
6.99% – 18.24%7$5,000 - $75,000
Visit Earnest
9.95% – 35.99%8$2,000 - $35,000
Visit Avant
Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.
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Want to generate leads? Crack the whip on those real estate blog posts
To date, we have yet to find anything in an online list of “great” real estate blog posts that isn’t overused, self-serving or boring.
Do these list-makers honestly think that a real estate consumer is going to read the millionth “Why you need a real estate agent” article they’ve seen online?
So, why bother writing something that won’t get read? Especially when there are other things you can and should be doing?
For a real estate website that makes blogging easy, be sure to consider LeadSites.
It’s not enough to write “readable” real estate blog posts and it’s not enough to write something local or something meant to educate potential clients
If your goal is to generate leads that help you make money in real estate, get busy creating successful real estate blog posts, not ones that under-perform.
Get clear on WHY you blog
Why do you have a real estate website? Is it because most other agents have one? Is it to offer IDX to home hunters? To showcase your services and expertise? Or, is it a lead-generation tool? Typically, the answer is “all of the above.”
No matter why you choose to blog, you need a professional one. LeadSites makes it easy – learn more
The most valuable service your real estate website can perform, however, is lead generation
So, the next question becomes, “how does a real estate website generate leads?” I mean, it’s not like it can pick up the phone and crank out cold calls or beat the pavement in a neighborhood to knock on doors.
In reality, a website without a magnet just sits on the internet, waiting for visitors. If you don’t show up in organic search results, your site is most likely sitting way back on those Google pages where dead bodies are hidden.
Thankfully, there are a number of ways to turn a languishing real estate website into a powerful, kick-hiney lead generator, and one of the best is with brilliant blog posts, from title to conclusion.
Real estate blog posts need good titles
The title of your real estate blog posts can make or break reader engagement. If it’s less-than compelling, few will choose to read what follows. Just like with your website, you need to give people a reason to stay on your blog.
Think of the title as the post’s curb appeal – your aim should be to create such an intriguing title that visitors will have no choice but to get out of the car. . .or, read on
The title is also a handy place to use your (hopefully longtail) keyword. And, use it “within the first 60 characters of your title, which is just about where Google cuts titles off on search engine results pages (SERPs),” claims Lindsay Kolowich at Hubspot.
Crafting compelling headlines is an art, but you can get an idea of how to do it by looking at magazine cover lines – those are the compelling descriptions of various articles found inside the mag. For instance, back in 2011, a Rolling Stone magazine cover offered up
“The Most Hated Girl on the Internet”
Think that one sold some magazines? By the way, you can find out who she is at RollingStone.com.
The sole purpose of a magazine’s cover lines (also known as “puffs”) is to tell readers what they’ll find inside the magazine. They are often “controversial and sensational and they make you want to read more into the magazine,” according to Chantelle Brown Media.
While it’s a bit busy, imagine the Baltimore resident seeing this one at the news stand. The sheer amount of very cool local information the cover promises is irresistible. An idea factory for your hyper-local blog posts.
Not being a guy, but knowing plenty of them, this cover offers all kinds of reasons to buy it. Sex? Yup. Fat-burning and muscle building? Oh yeah. It’s the Cosmo of the men’s world. And, for the record, and even though I’m a girl, I’d buy it just because that gorgeous guy is giving me “that look.”
But, I digress.
This is exactly what you need to keep in mind when crafting the title of each of your real estate blog posts. Let’s see what we can do with these cover lines:
“50 Secrets Your Dentist Won’t Tell You” (Reader’s Digest, July 2009) can be transformed into “5 Secrets your Lender Won’t Tell You.” Or, home inspector, appraiser, real estate agent.
Yes, there are secrets agents won’t tell. . . like a neighborhood’s crime rates, the location of the nearest Catholic church or ethnic makeup. Tell them why it’s such a secret — let them go behind the Realtor curtain. You know, Fair Housing regs, etc. Get ideas for this post from one we wrote for our Easy Agent Pro real estate website clients.
Do lenders tell borrowers not to buy anything on credit before closing? Not usually. Do they tell homebuyers, directly, how to save money on closing costs? Not the last time we checked. These are “secrets” lenders don’t tell.
Of course, you’ll need to work in your longtail keyword so a better title might be: “Buying a home in Anywhereville? 5 secrets your lender won’t tell you.”
And, this doesn’t mean you can’t use those lame topic suggestions you’ll find online. Just don’t use their titles. While “Why you need to work with a real estate agent” may cause readers to roll their eyes, yawn and hit the “back” button, “The ONLY way to get the most money for your home” or “The ultimate trick to quickly selling your home for top dollar,” might just intrigue a potential home seller.
Take those online real estate blog topic suggestions and dissect them. Find the gem hidden in the poop and use THAT to craft your title.
The lede
The most challenging aspect of blog post construction, after coming up with a title, is the lede, or “lead.” You’ve lured them in with the headline, now you need to keep them engaged and intrigued enough to read on. You’ll do that in the all-important first paragraph.
I write for a living so I sympathize with you that coming up with a cool lead is seemingly impossible. Sometimes I nail it, but more often I don’t. But I keep trying, and so should you.
There is a conundrum in online writing, however.
If you use a WP theme with Yoast, it will prompt you to add your keyword in the first paragraph. “One of Yoast SEO’s main optimization factors is whether your keyword appears in your introductory paragraph—because it’s that essential when it comes to ranking and clarity for your readers, according to the pros at dominatewithseo.com.
I’m not convinced about the “ranking” factor, and I categorically disagree with their “clarity for readers” statement.
The problem is that non-writers can’t seem to figure out how to incorporate that keyword without ruining engagement. That’s not a diss. I mean, non-real estate agents can’t figure out a whole host of things.
The truth is, despite not being a professional writer, you can write the best lead in the world, but if it begins with a clumsy and obvious keyword insertion, you’ve lost your reader
I know my boss here at Easy Agent Pro is going to kill me for suggesting this, but your priority is to get the reader engaged, at least until your call to action. If you can’t work your keyword into the lead naturally while maintaining the compelling nature of the lead, screw it. Leave it out. Just ensure you use it elsewhere. A couple of times. Naturally. OK, I’ll shut up.
Be kind, share
Socially-shared real estate blog posts are akin to directional signs and balloons for an open house. They’re meant to guide readers to your site.
You can use muddy, ratty signs hung with half-inflated, muted-colored balloons or you can use neon-lights and highly-reflective mylar. Up to you.
Don’t kid yourself, though. The only successful real estate blog posts are shared real estate blog posts. Getting your social media friends to re-share it is successful blogging on steroids.
Yet, we see it all the time. Agents take the time to blog or spend the money to hire a blogger and there the posts sit.
Make them work – hard. Blogging about a local business? Share it on Facebook then email it to the business owner asking for a Facebook share. If the blog post shows the business in a positive light, why wouldn’t they be happy to share it with their followers? Now you’ve introduced your real estate practice to a whole new audience.
The “slow season” will soon be upon us. If your business slows down, consider taking up blogging. Done right, it’s a powerful lead-generation tool.
Ready to start producing professional-level blog posts quickly and easily? Learn more about LeadSites.
Dive more leads and listings with these 16 website hacks you can’t afford to miss!
Need help blogging? Check out these tips for creating blogs that get leads:
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U.S. Home Flipping Rate Matches Six-Year High In Q1 2018 Despite 3 Percent Year-Over-Year Decrease In Number Of Homes Flipped
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U.S. Home Flipping Rate Matches Six-Year High In Q1 2018 Despite 3 Percent Year-Over-Year Decrease In Number Of Homes Flipped
IRVINE, Calif./ June 9, 2018 (STLRealEstate.News) — ATTOM Data Solutions, curator of the nation’s premier property database, today released its Q1 2018 U.S. Home Flipping Report, which shows that 48,457 U.S. single family homes and condos were flipped in the first quarter of 2018, down 4 percent from the previous quarter and down 3 percent from a year ago to a two-year low.
The 48,457 homes flipped in the first quarter represented 6.9 percent of all home sales during the quarter, up from 5.9 percent in the previous quarter and unchanged from a year ago — matching the highest home flipping rate since Q1 2012.
Homes flipped in Q1 2018 sold at an average gross profit of $69,500, up from an average gross flipping profit of $68,250 in the previous quarter and up from $66,287 in Q1 2017 to the highest average gross flipping profit since ATTOM began tracking in Q1 2000.
The average gross flipping profit of $69,500 in Q1 2018 translated into an average 47.8 percent return on investment compared to the original acquisition price, down from a 48.9 percent average gross flipping ROI in Q4 2017 and down from an average gross flipping ROI of 50.3 percent in Q1 2017 to the lowest level since Q2 2015 — a nearly three-year low.
“The 2018 housing market is a double-edged sword for home flippers,” said Daren Blomquist, senior vice president at ATTOM Data Solutions. “Rapidly rising home prices boosted by low available inventory of homes for sale or for rent are padding profits at the back end when flippers sell, but those same market realities are eroding flipping returns at the front end by forcing flippers to pay more to acquire homes to flip.”
Attend webinar on finding properties to flip for the biggest profits. Home flipping rate down from year ago in 55 percent of local markets
Seventy-five of 136 metropolitan statistical analyzed in the report (55 percent) posted a year-over-year decrease in their home flipping rate in Q1 2018, including Miami, Florida (down 16 percent), Los Angeles, California (down 3 percent), Tampa-St. Petersburg, Florida (down 13 percent); Washington, D.C. (down 6 percent); and Las Vegas (down 2 percent).
“The market is incredibly hot right now, making it very hard to find homes to flip — but there is an opportunity for flippers to move into the new construction market,” said Alex Sifakis, president of JWB Real Estate Capital, a real estate investment company based in Jacksonville, Florida, where the home flipping rate decreased 7 percent compared to a year ago in Q1 2018. “We will flip about 200 homes this year, but build about 400 new homes — the vast majority of those not in subdivisions but in older neighborhoods where we are buying teardowns or long-vacant lots.”
Home flipping rate up in Phoenix, New York, Atlanta, Philadelphia, Chicago, Dallas, Detroit
Sixty-one of the 136 metro areas analyzed in the report (45 percent) posted a year-over-year increase in their home flipping rate in Q1 2018, led by Baton Rouge, Louisiana (up 70 percent); Lincoln, Nebraska (up 62 percent); Madison, Wisconsin (up 55 percent); Columbia, South Carolina (up 48 percent); and Atlantic City, New Jersey (up 43 percent).
Among markets with at least 1,000 home flips in the first quarter, those posting a year-over-year increase in their home flipping rate in Q1 2018 were Phoenix, Arizona (up 15 percent); New York, New York (up 20 percent); Atlanta, Georgia (up 4 percent); Philadelphia, Pennsylvania (up 6 percent); Chicago, Illinois (up 7 percent); Dallas-Fort Worth, Texas (up 2 percent); and Detroit, Michigan (up 17 percent).
“The lack of houses for sale is probably why the rate is steady over last year even though demand for houses by other investors has never been higher,” said David Hicks, CEO of Homevestors, a real estate investment company with more than 900 local franchises across the country. Hicks added that more than half of homes purchased by Homevestors franchises are now flipped, compared to about one-third historically. “Our franchises have actually bought 33 percent more houses year-to-date over 2017. Sales are up 32 percent, so we are on track to have a banner year.”
Memphis leads nation with home flipping rate of 15.1 percent Among 136 metropolitan statistical areas with at least 50 home flips in Q1 2018, those with the highest home flipping rate were Memphis, Tennessee (15.1 percent); Albany, Oregon (11.7 percent); East Stroudsburg, Pennsylvania (11.4 percent); York, Pennsylvania (10.4 percent); and Merced, California (10.3 percent).
Along with Memphis, other metro areas with a population of at least 1 million and a home flipping rate above 9.0 percent were Phoenix (10.3 percent); Virginia Beach (9.9 percent); Las Vegas (9.8 percent); Baltimore (9.7 percent); and Rochester, New York (9.5 percent).
Five zip codes with a home flipping rate of more than 30 percent Among 1,429 U.S. zip codes with at least 10 home flips in Q1 2018, there were five zip codes where home flips accounted for more than 30 percent of all home sales: 70814 in Baton Rouge, Louisiana (39.0 percent); 19055 in Levittown, Pennsylvania (34.9 percent); 90047 in Los Angeles, California (31.7 percent); and the two Memphis Tennessee zips of 38115 (31.6 percent) and 38141 (30.3 percent). “I am seeing a lot of new investors around investors’ meetings while more seasoned investors have been holding back and are being more cautious — some invest out of state and some move into different asset classes other than residential,” said Lin He, owner of Rellion, a real estate investment company based in Orange County, California. “On the other hand, the uncertainty over the presidential election is over and generally speaking the ‘animal spirit’ is back. My market posture is to engage the market cautiously. It doesn’t feel like a bubble yet, but the sky-high property values are definitely concerning.”
Highest flipping ROI in Pennsylvania and New Jersey markets Among the 136 metropolitan statistical areas analyzed in the report with at least 50 home flips completed in Q1 2018, those with the highest average gross flipping ROI were East Stroudsburg, Pennsylvania (164.1 percent); Pittsburgh, Pennsylvania (146.6 percent); Atlantic City, New Jersey (133.3 percent); Reading, Pennsylvania (120.8 percent); and Philadelphia, Pennsylvania (110.2 percent).
Along with Pittsburgh and Philadelphia, metro areas with a population of at least 1 million and an average gross flipping ROI of at least 89 percent were Cleveland, Ohio (109.5 percent); Baltimore, Maryland (102.9 percent); New Orleans, Louisiana (98.8 percent); Buffalo, New York (96.4 percent); and Memphis, Tennessee (89.1 percent).
Share of flipped homes purchased with financing rises to more than nine-year high Homes flipped in Q1 2018 that were originally purchased with financing by the home flipper represented 35.7 percent of all homes flipped during the quarter, up from 35.3 percent in the previous quarter and up from 33.5 percent a year ago to the highest level since Q3 2008 — a nine and a half year high.
“We field multiple phone calls every week from institutional investors who want to work with us,” said Matt Humphrey, co-founder and CEO of LendingHome, a fix-and-flip lender. “Wall Street has become more comfortable with the fix-and-flip space because they now have access to four years of performance data, and they’ve actively watched the development of this asset class.
Large-scale, low-cost financing coupled with efficient tech-driven operations — like ours at LendingHome — means lower fees to borrowers with terms that work for them. There are simply more opportunities to get in the game. Flipping is no longer relegated to the lucky ones who have relationships with hard money lenders across town.”
Among the 136 metro areas analyzed in the report, those with the highest share of home flips purchased with financing were Colorado Springs, Colorado (63.9 percent); Madison, Wisconsin (63.0 percent); Boston, Massachusetts (56.3 percent); Greeley, Colorado (56.3 percent); and Denver, Colorado (56.1 percent).
Total estimated dollar volume of financing for homes flipped in Q1 2018 was $3.8 billion, down from $3.9 billion in the previous quarter and down from $4.0 billion in Q1 2017.
Five zip codes with an average gross flipping profit above $325,000 per flip
Among 1,429 U.S. zip codes with at least 10 home flips in Q1 2018, there were five where the average gross flipping profit was more than $325,000 per flip: 91356 in Tarzana, California ($425,000); 07307 in Jersey City, New Jersey ($385,000); 90066 in Los Angeles, California ($359,000); 95124 in San Jose, California ($350,000); and 20011 in the District of Columbia ($327,000).
“The D.C. metro area has been a hot spot for home flipping for several years now, and the first quarter of 2018 reflects that,” said Bobby Montagne, CEO of Walnut Street Finance, a fix-and-flip lender based in Fairfax, Virginia. “The area’s high density of homes, stable job market, and strong local economy make fix-and-flip projects especially attractive and sound investments in the D.C. metro area.”
Average time to flip nationwide at 183 days Homes flipped in Q1 2018 took an average of 183 days to complete the flip, up from an average 179 days for homes flipped in Q4 2017 and unchanged from a year ago.
Among the 136 metro areas analyzed in the report, those with the shortest average days to flip were Mobile, Alabama (117 days); Memphis, Tennessee (139 days); Clarksville, Tennessee (148 days); Phoenix, Arizona (151 days); and Medford, Oregon (152 days).
Metro areas with the longest average days to flip were Provo, Utah (224 days); Naples, Florida (220 days); Salt Lake City, Utah (216 days); Ogden, Utah (216 days); and Boise City, Idaho (214 days). Five zip codes with an average time to flip under 100 days Among 1,429 U.S. zip codes with at least 10 home flips in Q1 2018, there were five zips where the average time to flip was less than 100 days: 38141 in Memphis, Tennessee (93 days); 76119 in Fort Worth, Texas (93 days); 85388 in Surprise, Arizona (94 days); 85043 in Phoenix, Arizona (98 days); and 32206 in Jacksonville, Florida (99 days).
“Home flippers have to adapt to the changing market if they want to find inventory,” said Sifakis of Jacksonville-based JWB Real Estate Capital. “In 2017 JWB bought a little over 700 properties, and less than 20 percent came from the MLS (Multiple Listing Service). The rest we had to source ourselves through online marketing, mailers, signage, various local and online auctions, wholesalers, etc. Four years ago, our monthly budget to find homes to flip was $0. Today it is $20,000 a month — and climbing.”
Attend webinar on finding properties to flip for the biggest profits. Flipped homes sold to FHA buyers drops to 10-year low Of the 48,457 U.S. homes flipped in Q1 2018, 15.9 percent were sold by the flipper to a buyer using a loan backed by the Federal Housing Administration (FHA), down from 16.1 percent in the previous quarter and down from 19.2 percent a year ago to the lowest level since Q1 2008.
Among the 136 metro areas analyzed in the report, those with the highest percentage of Q1 2018 home flips sold to FHA buyers — typically first-time homebuyers — were Pueblo, Colorado (32.7 percent); Merced, California (32.7 percent); Ogden, Utah (30.2 percent); Tulsa, Oklahoma (28.8 percent); and Bakersfield, California (28.6 percent).
Report methodology ATTOM Data Solutions analyzed sales deed data for this report. A single family home or condo flip was any arms-length transaction that occurred in the quarter where a previous arms-length transaction on the same property had occurred within the last 12 months. The average gross flipping profit is the difference between the purchase price and the flipped price (not including rehab costs and other expenses incurred, which flipping veterans estimate typically run between 20 percent and 33 percent of the property’s after repair value). Gross flipping return on investment was calculated by dividing the gross flipping profit by the first sale (purchase) price.
About ATTOM Data Solutions ATTOM Data Solutions provides premium property data to power products that improve transparency, innovation, efficiency and disruption in a data-driven economy. ATTOM multi-sources property tax, deed, mortgage, foreclosure, environmental risk, natural hazard, and neighborhood data for more than 155 million U.S. residential and commercial properties covering 99 percent of the nation’s population. A rigorous data management process involving more than 20 steps validates, standardizes and enhances the data collected by ATTOM, assigning each property record with a persistent, unique ID — the ATTOM ID. The 9TB ATTOM Data Warehouse fuels innovation in many industries including mortgage, real estate, insurance, marketing, government and more through flexible data delivery solutions that include bulk file licenses, APIs, market trends, marketing lists, match & append and more. Media Contact: Christine Stricker 949.748.8428 [email protected] Data and Report Licensing: 949.502.8313 [email protected]
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SOURCE: ATTOM Data Solutions
#2018 housing market#2018 U.S. Home Flipping Report#homes flipped#stl.properties#STLRealEstate.News#TodayNews#U.S. single family homes and condos
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Preparing to Find A Payday Loan
Residents of Baltimore possess completed 18 years and they're drawing minimum salary of $1000 monthly can avail loans through us. And having a checking account with a bank. California auto title loans are for you to apply of. You can walk into the lender's office directly or apply at a loan cyberspace. When you apply for a loan, the only documentation just a few ingredients to submit is a copy of your vehicle title and vehicle insurance papers, as well as to proof ID. Financial institution checks your details, and when satisfied, approves the loan at once. Overnight loans are actually very small cash advances which are approved on a single day's applying upon their. This is why they are named so. The process of such loans can be extremely speedy. Lenders do not waste that whenever in granting you . A borrower has in order to fill in a request form available through the website among the lender just about all the his or najlepsze pożyczki online her details asked when. It hardly takes when to obtain the complete form filled. When the form is filled, its sent even more verification. If everything will be as per the legal framework then the money will be accepted instantly. Here when you're thinking, imagin if I cannot pay back the loan after fortnight or twenty eight days? Again that is not hard. You can simply request the lending company to rollover the total number. Obviously you would be paying a fee for that and ought to be also be repaying more interest rate. So you can understand that it is not wise to continuously extend your payday loan. Those which in the habit of continuously extending their ten dollar payday loan often second category debt. The advantage with cheaper in interest is that inspite of having the credit hassles; this program obtain credit are lower in les than each day. Moreover, the lenders approve the loans without any credit read. These are basically short term loans and may also be accessed without pledging any value. With these loans, you can just take good needs like paying medical bills, store and grocery bills, electricity bills, visa or master card dues, car maintenance or house repair etc. What Generally if i Can't Be qualified for A Bank Car Loan? If you're not "bankable" just yet, don't sweat it.there are still lenders out there is give basically loan, nevertheless the rate isn't going to be as pretty. I'd first ask the loan officer in the bank whether they have anyone they'd recommend to refer you so that you can. You can also do a look up the net for "bad credit auto loans" and you'll get a slew of links to mouse click. Some of these sites will search multiple lenders for you and could save you some available free time. If you like a more personal approach, you can look within your local classifieds for "finance companies", like Household Finance or American General. Word of caution here though, finance companies usually carry much higher rates, so be sure to shop throughout. Many times some immediate financial problems need for you to become solved to be able to overcome the problems. Obviously need to be able to solved out when they arise. If no step is taken against them then their size can increase to such extent that can harm our probable. That's why buy to to dispose of these troubles you will to have fast loans as we speak. With the aid of these loans you will usually receive some ready money of the same day's application. Mortgage loan amount provided for you is small furthermore changes as mentioned in your repaying capability. Might want to also a good access to your favorites by having these lending. These loans don't have any type of tough paperwork or any slow downs. In simple way these finest for any needy young man. Have an intensive look- Due to this you can watch where your credit score may have dipped. Build a list of everything you think the incorrect. For instance, a phone company many have listed an overdue payment nevertheless, you never recall being late with which. Be thorough and go through everything at length.
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The Key Things To Consider When Looking Into Debt Consolidation
Are you currently seeking to learn more about consolidating debts? If you've wanted to check out the choices, this short article will help. Consolidating debts is definitely an excellent tactic to work with however, it's crucial that you thoroughly comprehend it. Not every companies are equal, so neither are their offers. Keep reading so that you can make better decisions. Consider the long run when selecting the consolidating debts business that'll be assisting you. Your present situation must be addressed, however, you also require a business which will work later on. Select a consolidating debts company that will help ease your current problems and enable you to avoid getting into exactly the same situation later on Choose a consolidating debts loan with low fixed rates. A variable rate may make you being unsure of just how much you are going to pay each month, which makes it hard to plan a financial budget. The loan should wind up enhancing your financial circumstances with positive loan terms along with a set rate. Your 401K might enable you to repay debt. Only accomplish this if you're sure you are able to place the money-back sooner or later. Otherwise, the cash is regarded as an earlier distribution of retirement funds, and you also have the hook for penalties and taxes. If you're unable to get money from places, you need to find out if a family member is prepared to help. Tell them when baltimore md bankruptcy lawyers you want to pay them back and ensure you are doing it. You may not wish to damage your relationship with someone who you really are near to. Usually do not borrow from the professional you understand nothing about. Loan sharks know you require them. Only use a real lender who charges reasonable interest. You can aquire a loan removed so that you can repay your present debts. Then you'll have the ability to consult with creditors so that you can find out if they're in a position to settle along with you. Creditors often accept a lump sum payment of 70 %. Doing this is not going to harm your credit rating and could actually help it. You now know whether consolidation fits your needs. You will find the knowledge it requires to eliminate debt. Don't get overwhelmed by debt! Seek information to find out if a business that handles consolidating debts would be the help you have to get back to normal.
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‘Department of Finance to become one entity again’
New Post has been published on https://universeinform.com/2017/03/13/department-of-finance-to-become-one-entity-again/
‘Department of Finance to become one entity again’
There’s an opinion inside the birthday party that There is no want for 2 finance departments, and a return to a united Branch of Finance is “being actively considered”.
Finance Minister Michael Noonan is anticipated to leave workplace along Mr. Kenny, and Minister Public Expenditure and Reform Paschal Donohoe is being tipped to be successful him.
Ahead of the general election last 12 months, the Pleasant Gael manifesto suggested the opportunity of Public Expenditure and Reform (In line with) being merged back into Finance.
However, the dismal election result for the celebration — it lost 26 seats — placed that on hold. But, now a reshuffle is pending, it is being taken into consideration again, as a few sources sense that the Department of Public Expenditure and Reform has ended up too powerful when it comes to other departments.
“It probably made feel to have finance departments all through the crash, whilst the banks wished ways greater attention than they do now,” stated one senior birthday party determine. “But There’s a sense that it is hard to justify the life of both.”
The choice to at least take into account the scrapping of Mr. Donohoe’s Branch is shared through both Social Protection Minister Leo Varadkar and Housing Minister Simon Coveney, the front runners within the race to succeed Mr. Kenny as Excellent Gael chief.
The Finance Department changed into cut up in 2011 through the incoming Great Gael-Labour authorities, and Brendan Howlin changed into the primary occupant of the workplace, along with Mr. Noonan.
This changed into due to the fact the overdue Brian Lenihan, the last Fianna Fáil finance minister, changed into crushed through the workload throughout the crash among 2008 and 2011.
The Department has been locked in numerous excessive-profile disputes since its inception, maximum extensively with the Branch of Health over the formation of budgets.
In the meantime, the authorities must reduce tax or it risks losing jobs to different countries in the wake of Brexit, Mr. Donohoe has warned. The minister stated employees need to now not be compelled handy over half of their earnings to the Kingdom whilst they are incomes low wages.
In a key intervention In advance of the coming near Exceptional Gael management contest, Mr. Donohoe says the marginal tax rate desires to be decreased if Ireland is to remain an attractive vacation spot.
The warning comes as reviews recommend Uk high minister, Theresa Can also, could formally trigger Britain’s exit from the ECU Union on Tuesday.
What’s Monetary Overcommitment
Earlier than the introduction of effortlessly available credit score centers handling price range changed into pretty easy, you’ve got both had the money or no longer. Each massive buy was preceded by using appropriately long time period required to keep up enough budget. These days, but, clients are extra concerned with to be had credit
But clients are extra concerned with to be had credit instead the stability of financial savings account. At the same time as credit score cards and loans appear to be imparting a bottomless source or coins the fact is that even people with great credit records every now and then become victims of overspending and are labeled by way of credit referencing organizations as ‘overcommit’.
What can cause overcommitment? In very simple phrases, overcommitment happens when creditors believe that you’ve borrowed extra than may be accurately paid off along with your present profits. Relying
.Relying in your credit history this can be triggered by mortgage and more than one credit score centers but every so often even a maxed out credit card can save you-you from borrowing any more money. Every case is specific and in large part rely on 3 factors: credit score history, income, and used credit strains.
How do that creditors labelled you as overcommit? Properly, the most apparent signal is being refused any greater credit. As with maximum Economic offerings, this procedure isn’t obvious and leaves banks tons decisive strength on this respect. Take into account that maximum lenders have one-of-a-kind applicant standards or even if you have been standard for
Take into account that maximum lenders have one-of-a-kind applicant standards or even if you have been standard for a excessive interest credit card or different mortgage there may be still hazard concerned. You may be overcommitted without realizing it. Low profits to credit score ratio won’t scare banks off due to the fact they’re taking calculated hazard – but can you are taking the risk of turning into significantly
Low profits to credit score ratio won’t scare banks off due to the fact they’re taking calculated hazard – but can you be taking the risk of turning into significantly overcommitted? Unless you’ve got a simply excellent repayment plan and money control talents, overcommitment is a one way road to large debt and even financial disaster.
A way to forestall being over committed? It’s quite simple really, repay your money owed or manage them to lower monthly repayments and lessen the weight on credit rating. In the case of easy credit card money owed the best choice could be to tighten the belt for a while or get an extra component time process and pay off as an awful lot as feasible. Long-term loans will be more difficult to control although. Vehicle loan, for instance, While feasible to refinance in concept – turns out to be
, aWhile feasible to refinance in concept – turns out to the bean as an alternative static commitment because cars depreciate swiftly after purchase. Mortgages then again may be refinanced quite without difficulty imparting that borrower holds enough fairness to barter a higher address new lender.
Origins of the Baltimore County Hearth Department
One of the more unique Hearth preventing forces in Maryland is that of Baltimore County. Its aggregate carrier consists of numerous volunteer Fire organizations running in concert with the all paid Baltimore County Fire Branch Maryland’s oldest municipal county Fireplace organization. This revered and specific cooperative force protects a huge suburban county surrounding Baltimore Metropolis.
In the center 1800s the county region surrounding Baltimore turns into called “The Belt” domestic to various generators and business complexes. Through the 1870s, mills and adjacent employer villages an increasing number of fall victim to Hearth. The closest firefighting resources are the steam-powered Fireplace companies from the by then commonly paid Baltimore Metropolis Fire Branch. In 1878, the Waverly Fireplace Department organizes
The Waverly Fireplace Department organizes because the first In the county. The Towsontown Fireplace corporation bureaucracy soon after, Inside the county seat acknowledged nowadays virtually as Towson. Neighborhood citizens fund both the county purchasing the Hearth houses and apparatus. While higher than nothing that is inadequate for shielding the developing business regions surrounding Baltimore.
By Metropolis finances tightening brings a request that the county pay an up the front rate for Fire protection. Negotiations for a lesser quantity are fruitless the Metropolis to fight Hearth Inside the county no extra. With only volunteer Hearth corporations, County Commissioners settlement with Charles T. Holloway. A beyond Leader Engineer and Hearth Inspector of the Baltimore City Branch, Holloway also began the Metropolis’s Coverage Hearth Patrol. He also designs and builds chemical Hearth engines and hook and ladders and these days helped form the Pittsburgh Fireplace Branch. Holloway concurs to assist create a county Fire Branch over which he will serve as Chief Engineer for 6 months.
A beyond Leader Engineer and Hearth Inspector of the Baltimore City Branch, Holloway also began the Metropolis’s Coverage Hearth Patrol. He also designs and builds chemical Hearth engines and hook and ladders and these days helped form the Pittsburgh Fireplace Branch. Holloway concurs to assist create a county Fire Branch over which he will serve as Chief Engineer for 6 months.
In July 1881, the Waverly Fireplace Branch disbands directed to turn their station and equipment over to the brand new county Fireplace Branch. On September the Baltimore County Hearth Department begins with seven horse-drawn chemical engine agencies all but one built through Holloway. Those are housed in as many Fireplace stations in “The Belt” each consisting of the Waverly Station with paid firefighters. The more remote Towsontown organization remains
“The Belt” each consisting of the Waverly Station with paid firefighters. The more remote Towsontown organization remains volunteer with just a hook and ladder. Belongings of the Towsontown Fire company transfers in 1883 to the County Department even though it remains reliant on volunteers. On January eight, 1884, Leader Engineer Holloway resigns, his six-month tenure having lasted several years.
For Weight loss: If You could Handiest Choose One
Nothing about Weight reduction has modified considering that the beginning of time! The road to a healthy weight has usually been the second one Law of Thermodynamics;
Calories in – Energy out = Energy accrued.
To place it without a doubt, to lose weight you need to consume much less, workout extra or each. What if You could Simplest use one approach. There are numerous eating/eating regimen plans, and good ones, Nutrisystem, Jenny Craig and Weight Watchers, simply to name some. On the exercise side a number of the maximum well-known, or notorious workout packages include P90X and Madness. All of those packages are effective of their personal proper,
On the exercise side a number of the maximum well-known, or notorious workout packages include P90X and Madness. All of those packages are effective of their personal proper, however in case you had to choose one direction, which manner should you pass?
The answer is flawlessly clean. If You may select exercise or weight-reduction plan, you should pick out weight loss program. I say this with the maximum self assurance. And this is coming from the mouth of an entire life fitness fanatic and a strength and conditioning coach. Why do I say this with so much confidence? That’s clean! It’s miles extraordinarily difficult to out workout your weight-reduction plan! Allow
Why do I say this with so much confidence? That’s clean! It’s miles extraordinarily difficult to out workout your weight-reduction plan! Allow me give you a pair vibrant examples.
if you had an a hundred and forty lb lady, and she ate two pieces of cheese pizza and a bit of cheese cake, that might be a total of Energy. With a purpose to burn that off, she might have to run 10 minute miles for 1.five hours! Within the peak of my strolling days as a younger guy I couldn’t try this and i exceedingly doubt You can both.
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Making real estate money in Texas
When you think about getting started in real estate, you might be considering getting a real estate license. Getting a license is the first step towards a business goal, right?Well, most real estate transactions do require licenses: real estate agents and brokers, home appraisers, home inspectors, home improvement contractors and so on. Those licenses protect developers and property owners, helping assure that specialists have the necessary expertise to work on other people’s projects.
But—do you really need a license that just lets you work on projects that other people bring to you? How about structuring your business so you can use other people’s licenses and expertise while shielding yourself from potential liability?
The most lucrative way to make money in real estate is investing in “distressed assets.” This process, known as “fix and flip,” is done by buying a property that needs renovation, making the improvements and selling it at a higher price based on the increased value your work has provided.
The state of Texas offers many low-cost opportunities, especially in big cities like Houston, Austin, Dallas-Fort Worth and San Antonio. The rapid economic development across Texas means that more funds are available for fix and flip investing and more housing is needed!
Now—you’ll need money. Banks usually sky away from fix and flips, so the easiest way to get capital for buying and fixing your project is a “hard money” loan. A hard money loan for fix and flips helps you spread the risk by using the lenders’ capital instead of your own, and the expertise of professionally licensed contractors.
You’ll usually need a 20% down payment, but there is no minimum credit score requirement and you don’t have to have any type of license to get started or to expand your fix and flip business. Apply for a hard money loan today and invest in Texas! For more information visit www.syberloans.com
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