#refinanced

[ama-finance-broker]

AMA Finance specialises in Home loans, for Doctors and Health Care Professionals

A specialist finance broker can get you the best home loan deals available.

Home loans

Commercial Loans

Car Loans

Equipment Finance

Refinancing or Investment loans

For over 25 years, AMA Financial Services have worked as dedicated brokers and financial advisers to health and medical professionals around Australia.

We go the extra mile to understand, protect and care for the financial well-being of the health professionals.

Our certified and trusted mortgage broking team will take the time to understand your individual goals and needs and navigate you through the mortgage process so you can choose the right loan.

[bitchesgetriches]

O' highly esteemed and knowledgeable Bitches, I first off wanted to say that I am one payment away from fully paying off my beater of a car and the thought of having that extra money to throw at other bills is exhilarating! Secondly, because of this extra money I am looking into possibly consolidating my other bills. Interest rates on credits cards are too fucking high and it's seemingly impossible to make a dent in paying anything off. A friend has told me to look into Credit Karma to search around for loan providers before committing to a bank, but I'm not sure how comfortable I feel with sites like that. Is Credit Karma and other sites like it trustworthy enough or should I stick to my guns and go with my bank for loan?

First off kiddo, we are SO DAMN PROUD OF YOU. You're doing SO well and we are weeping with joy over here.

Credit Karma is considered very safe and legitimate. We endorse it, and after looking at its security measures, I can confidently say I'd use it myself if the need ever came up.

We also advise shopping around for loans, rather than just going with your personal bank for convenience's sake. You can get much better terms if you hunt around, and Credit Karma can probably help with that. We explain a bit more about shopping around for loans here:

A Hand-holding Guide To Getting Your First Credit Card 

When (And How) To Try Refinancing or Consolidating Student Loans 

{ MASTERPOST } Everything You Need to Know about How to Pay off Debt 

If you found this helpful, consider joining our Patreon.

[ivri]

had a nightmare last night where I was $9,450 in debt to some company because they sponsored me to advertise some mobile game but I accidentally did twice and they phoned me months later to tell me about it

[gontagokuhara]

oh great heavens i need a job i need income i need MONEY i thought my laptop shit itself for good just now

[fundmaster]

Refinancing vs. Staying Put: What's Best for NZ Homeowners?

For New Zealand homeowners, deciding whether to refinance or stick with their current mortgage depends on several factors. Refinancing Mortgages can offer benefits such as lower interest rates, reduced monthly payments, or access to home equity for renovations. With fluctuating interest rates, 2024 may present opportunities for homeowners to lock in better deals, especially if current rates have decreased since their initial loan.

However, staying put can also be advantageous, particularly if breaking the existing loan incurs high penalties. Some homeowners may value stability over potential savings, especially if they have a fixed-rate mortgage and are close to the end of their term.

Ultimately, the choice comes down to personal financial goals. Refinancing may be a smart move if the long-term savings outweigh the costs, but for others, maintaining their current mortgage could provide peace of mind. Consulting a mortgage advisor can help weigh the options effectively.

[sundaeserenade]

love being manipulated by my mom when i've done literally everything for her 🙃

[royasuka]

i hate when old people see the price of rent for any apartment and they say “that’s more than my mortgage!” as if that’s not how mortgages work and mortgages are USUALLY cheaper than rent…… unless you buy right now, because then rent is cheaper than a mortgage 😔

[chromiakgary]

The weather turned frightful for large loans that missed the extended window of 3 - 4.6%. Although it’s always best to see the lowest possible interest when borrowing, sometimes time is the boss. It isn’t always prudent to refinance early - especially if you’re holding a loan with a prepay penalty. Making the best of a rate challenge involves looking at the long-range forecast and planning the types of deductions that create the most growth over the course of the length of your loan. Whether you’re getting a new loan or you're refinancing an existing loan, avoiding a prepay penalty may be your best move.

If you’re looking for your first commercial financing, learn from the ground up: Borrowing 101: Who Needs a Broker?

[teamrahul]

Navigating the Canadian Dream: Best Mortgage Refinancing in Halifax and Tailored Mortgages for Newcomers

Canada has long been a land of opportunity and a welcoming destination for newcomers seeking a better life. Whether you're a long-time resident or a recent arrival, the dream of homeownership is a common aspiration. In this guide, we explore the best mortgage refinancing in Halifax and specialized mortgage solutions designed for newcomers to Canada.

Best Mortgage Refinancing in Halifax: A Gateway to Financial Freedom

Halifax, the vibrant capital of Nova Scotia, boasts a rich history and a thriving real estate market. If you already own a home in Halifax, you may be considering mortgage refinancing as a strategic move to enhance your financial situation. The best mortgage refinancing options in Halifax offer competitive rates, flexible terms, and the opportunity to tap into your home's equity for various financial needs.

When seeking the best mortgage refinancing in Halifax, it's crucial to consider factors such as interest rates, closing costs, and the overall impact on your long-term financial goals. Working with reputable lenders and mortgage professionals can help you navigate the process and secure a refinancing solution that aligns with your unique needs.

Tailored Mortgages for Newcomers to Canada: Building Your Canadian Homeownership Journey

Moving to a new country comes with its own set of challenges, and securing a mortgage as a newcomer is often one of them. Fortunately, many financial institutions in Canada understand the unique circumstances faced by newcomers and offer specialized mortgage products to ease the transition into homeownership.

These tailored mortgages for newcomers typically take into account factors such as credit history from the home country, employment status, and other considerations that may differ from traditional mortgage applications. Some lenders also offer down payment assistance programs specifically designed for newcomers, making the dream of owning a home in Canada more accessible.

Navigating the Canadian mortgage landscape as a newcomer can be daunting, but with the right guidance, it becomes a smoother process. Seeking advice from mortgage advisors who specialize in working with newcomers can provide valuable insights and help you find a mortgage solution that fits your financial situation.

Conclusion: Your Path to Homeownership in Halifax

Whether you're a current resident of Halifax looking to refinance your mortgage or a newcomer to Canada dreaming of homeownership, there are tailored solutions available to meet your needs. The key is to research the best mortgage refinancing options in Halifax and explore specialized mortgages for newcomers offered by reputable lenders. With careful consideration and expert guidance, you can embark on a successful homeownership journey in the welcoming and vibrant communities of Halifax, making Canada your home.

[dicaeopolis]

oh i am feeling VERY broke rn but god i am free.

[bitchesgetriches]

Hey bitches!! Thoughts on when to or not to get a balance transfer card? I’ve got 3 cards in total; two with interest but I’m not sure if I’ll be able to pay them off before the intro period on the new card, or how that even works? I’m worried about having too many cards at only 22; idk if my credit limits also matter; I have one at $300, 5k, and 7k

Hi kitten! We wrote this specifically about student loan debt, but the advice works for credit cards too:

When (And How) To Try Refinancing or Consolidating Student Loans 

Also, this should be informative about the whole "having too many cards" issue:

Dafuq Is Credit and How Do You Bend It to Your Will? 

If you found this helpful, consider joining our Patreon.

[wanderingcas]

in case we're not believing how bad the housing/inflation/general economic crisis is here in the united states, a story: i bought my house in the spring of 2016 for an affordable price on me and my now-husband's joined income and the fact that it was a first house for us so we didn't have to put more than 3% down. if we wanted to buy this SAME HOUSE (one that we've lived in for 7 years and did no updates on to justify a price increase) we wouldn't be able to. we're priced out of our own home. let that sink in :)

[proxima-investors]

Great survey by US News reveals interesting percentages in the last year's homebuyers behavior and thoughts.

On the back of the Buy Now, Refi Later slogan, many buyers decided to pull the trigger creating various scenarios right after and going into 2024 and beyond, as the financing world has not seen interest rates improve. They are actually projected to go up and that comes as a surprise by many.

Let's see how that happened and what situations recent homebuyers find themselves into here:

[diamonddoll]

The fact that I started with $80k in student debt and it has amassed to over $100k even though I’ve been making payments consistently for almost 4 years cause I have 13% interest rate…why haven’t we murdered people over this yet

[sabattoir]

rent is 38% of my monthly income :(