Carrie Reeder Profile and Articles




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1). 100 Mortgage Financing - No Money Down Programs
Buying a new home with no money down has never been easier. If you are unfamiliar with 100 mortgage financing, it may help to contact a mortgage broker before applying for a conventional loan. At one point in time, buying a home with no money down was unheard of. Today, the majority of mortgage lenders offer a range of zero down loan programs. Thes...

2). 100 Percent Refinance – No Down Payment Refi Loans
Refinancing 100 percent of your loan allows you to cash out all of the value of your home. With no down payment required, you can use your money to pay off debt, invest in other property, or remodel your current home. When refinancing, make sure that you find the best lender so you don’t get stung on high rate and fees.

Understanding 1...

3). 100% Financing Bad Credit Mortgages - Tips On Getting Approved
100% financing of a bad credit mortgage can help you buy a house with little cash due at closing. Even with an adverse credit score, you can start building home equity and wealth with your new home purchase. To get approved for such subprime mortgages, take a look at your credit report. Stack the odds in your favor by increasing your qualifications...

4). 100% Financing Or No Down Payment & Bad Credit Mortgage Loans
Sub-prime lenders now offer financing packages with zero down. Interest rates are higher on these types of loans, but they make purchasing a house easier. And unlike a conventional loan, there is no private mortgage insurance required. There are two types of zero-down mortgage packages, each with their own requirements.

Types Of Zero-D...

5). 100% Home Equity Loans - Should You Max Out Your Home's Equity?
A 100% home equity loan can free up your cash at a low interest rate. While favorable rates and tax benefits make this option look good, consider your own financial situation first. Asking yourself the following questions will give you a better idea of how much a 100% home equity loan can help you.

How Cheap Is Your Loan?

...

6). 100% Home Mortgage Refinance – Choose A Lender Online
100% home mortgage refinance frees up your money for other purchases, like a second home, renovations, or debt consolidation. To get the best deal on your cash out refi, look online for your next lender. By evaluating loan quotes that you can get in minutes, you can save thousands with just a couple hours of research.

Better Mortgage L...

7). 100% Mortgage Financing – A Way To Avoid Private Mortgage Insurance
Ideally, traditional mortgage lenders want new homebuyers to have a 20% down payment when purchasing a new home. Thus, if purchasing a $200,000 home, you should be prepared to have $40,000 as a down payment.

Unfortunately, many people do not have this kind of money lying around. For this matter, private mortgage insurance (PMI) was cre...

8). 100% Mortgage Refinancing – How To Get Approved
100% mortgage refinancing allows you to borrow against your equity, while hopefully lowering your interest rates. To get approved for a cash out refinance, you need to have excellent credit. Otherwise, you need to work with a sub-prime lender or apply for a line of credit.

What 100% Refinanced Mortgage Can Do

A 100% refina...

9). 125% Home Equity Loans - How To Eliminate Debts With A No Equity Loan
With a good credit rating, you can eliminate high interest debts with a low rate home equity loan. Borrowing up to 25% of the value of your home, you don’t have to have equity to qualify for a second mortgage. With low rates, you can cut your payments as much as two thirds.

Advantages Of A 125% Home Equity Loan

The prime a...

10). 1st And 2nd Mortgage Refinance Loan - Consolidate 1st And 2nd Mortgages Into One Low Payment
Refinancing both your first and second mortgages will result in one low monthly payment that could save you thousands in interest charges. By combining both mortgages, you qualify for lower rates than if you refinance separately. You can see a significant savings with your second mortgage refinance, which is often several points higher than your fi...

11). 1st And 2nd Mortgage Refinance Loan - Refinance And Lower Mortgage Payments
Refinancing both your first and second mortgage will lower your monthly mortgage payment and qualify you for overall lower rates. It will also save you money on closing costs and application fees. And while you are looking at rates and terms, you can reevaluate your loan’s payment schedule to better fit your budget needs.

Why One Mortg...

12). 1st And 2nd Mortgage Refinance Loan - Why Refinance Both Mortgages?
The hassle of making two monthly mortgage payments has prompted many homeowners to consider refinancing their 1st and 2nd mortgages into one loan. While combining both loans into one mortgage is convenient, and may save you money, homeowners should carefully weigh the risks and advantages before choosing to refinance their mortgages.

B...

13). 2nd Mortgage - Better Than Refinancing

You have probably received refinancing offers in the mail or advertised online touting your ability to pull out your home’s equity. But a 2nd mortgag

14). 2nd Mortgage Loan After Bankruptcy - Get Approved Online With A Sub Prime Lender
A 2nd mortgage loan after a bankruptcy is the easiest way to access cash. With online sub prime lenders, you can qualify for a mortgage as soon as your bankruptcy closes. But for near conventional rates, it is better to wait two years and build a solid credit history.

Bankruptcy And Sub Prime Lenders

Millions of people fil...

15). 2nd Mortgage Loan After Bankruptcy - Understanding The Basics
Getting a 2nd mortgage loan or home equity loan after a bankruptcy is workable. However, loan applicants should be aware of certain disadvantages to bad credit loans. A bankruptcy is destructive to credit scores.

In reality, many financial experts discourage bankruptcies. Those who file Chapter 7 or Chapter 13 are subjected to higher f...

16). 3 In 1 Credit Report - Getting A Copy Of Your Credit Report And Seeing What Needs To Be Improved
If you are concerned about identify theft or regular credit monitoring, you likely understand the importance of obtaining a copy of your free personal credit report. Neglecting to monitor your credit may prove damaging in the long run. It does not take long for a person to access your information and begin opening accounts in your name. For this ma...

17). 3 Things To Watch Out For With Debt Consolidation Services Online
Most of us are swamped with bills like credit cards and auto loans, so we're turning to debt consolidation services to help us regain control of our finances. And it's a good idea, since some debt consolidation services can also help you lower your interest rates and monthly payments. But there are some unscrupulous folks out there, and that means ...

18). 3 Types Of Debt Help Available Online - Consolidation Loans, Debt Management And Debt Settlement
When it comes to consolidating debt, the internet offers three very good options. When you want to choose between a consolidation loan, debt management, or debt settlement, it is important to have an understanding of each one so you can choose the option that is best for your needs. Many people confuse these three services, but each one brings uniq...

19). 3 Ways To Get Approved For A Business Credit Card
If you run your own business--whether it's a retail store, direct sales, hobby shop or freelance consulting--chances are you've thought about getting a business credit card. It's probably a good idea, since it makes it easy for you to separate your business expenses from your home expenses, a task that helps keep your paperwork organized and simpli...

20). 3 Ways To Get Approved For A Student Credit Card
If you're a college student, you know how expensive books, movies and tuition can be. And if you only work during the summer break, you may be looking for a way to stretch your funds through the cold winter months. Fortunately, a student credit card can help. Find one with low interest and good terms, and you can charge during the lean times and th...

21). 3 Ways To Get The Lowest Interest Rate On Your Car Loan
If you're like the average American, chances are you buy a new car every five years or so. Most people need an auto loan when they buy a new vehicle, whether it's a car, truck, SUV or van and since the interest on auto loans can add up over time--especially on a five or seven year loan!--it's important to try and get the lowest rate possible on you...

22). Adjustable Rate Mortgage Loans - Understanding The Basics
Adjustable rate mortgages (ARM), developed when mortgage interest rates were high, can help you finance the purchase of a home with low interest rates. An ideal choice for those who expect their income to rise or move in a couple of years, an ARM also increases your risk for higher payments. Fortunately, lenders also offer safeguards to limit some ...

23). Adverse Credit Mortgages - Advantages Of Bad Credit Mortgages
Mortgages for those with adverse credit have advantages that conventional mortgages don’t. The prime advantage is that they are easier to qualify for, even with a bad credit history. Sub-prime mortgages also allow you to build wealth with your home purchase. And they have fewer hurdles, such as not requiring PMI.

Start Building Wealth

24). Adverse Credit Mortgages - Getting Approved With A Low Credit Score
Having good credit affords more home loan options. Luckily, many mortgage lenders understand that bad credit happens, thus many are willing to offer home loans to people with low credit scores. Of course, the best way to improve your odds of getting a low rate is to boost credit rating. Still, it is possible to get approved with poor credit. Here a...

25). Adverse Credit Mortgages - Home Buying Tips
Bad credit mortgage loans are available to individuals with bankruptcies, foreclosures, repo's, low credit ratings, etc. Unfortunately, having a negative credit rating means a higher mortgage rate and a limited choice of lenders. Still, there are numerous home loans to choose between. Thus, homebuyers with bad credit can easily qualify for a mortga...

26). Adverse Credit Mortgages - Home Loans For People With Poor Credit
Mortgage lenders offer many financing options for people with adverse credit. For those who don’t qualify for an A loan, you can use a B, C, or D loan to finance the purchase of your home.

These home loans offer short-term financing until your credit score improves and you can qualify for an A loan with lower interest rates.


27). Auto Loans After Bankruptcy - Getting Approved With Bad Credit
Bouncing back after a recent bankruptcy is challenging, but possible. To begin with, you will need to rebuild credit, which involves opening new accounts. If you need a new vehicle, financing a car following a bankruptcy may be a smart move. Auto loans are easy to qualify for. Thus, you can get approved with horrible credit.

How to Avo...

28). Auto Loans For People With Bad Credit - 3 Tips For Getting Approved
An auto loan is a good way for individuals with bad credit to make a fresh start and re-establish a positive credit history. A range of factors contributes to a low credit score. Yet, you have the ability to change your current credit standing. For some, improving credit may be simple. Their situation may simply require paying past due bills and se...

29). Bad Credit Auto Financing - 3 Ways To Get Approved More Easily
You can easily find auto financing, even if you have bad credit. Shopping online allows you to find reasonable rates with speedy service. You can also make your application look more appealing by increasing your down payment and asking for pre-approval.

1. Shop Online For Auto Loan Financing

Shopping online for you auto lo...

30). Bad Credit Auto Loan Financing - Comparing Auto Loan Offers
If you are purchasing a new vehicle with bad credit, comparing loan offers is an essential part of the car buying process. Having bad credit makes you susceptible to higher interest rates and fees. Fortunately, there are ways to bypass fees. This involves choosing the right auto lender and getting approved for a good loan.

Reasons to F...

31). Bad Credit Auto Loan Financing – Should You Arrange Private Financing?
Should you arrange for private auto loan financing when you have bad credit? The simple answer is yes, if you want to save money. Relying on dealership financing makes you the victim of high rates and limits your car buying options. By securing your car financing before you shop for a car, you get the chance to find the best available car loan.

32). Bad Credit Auto Loan Refinance - How To Refinance An Auto Loan
The majority of people refinance an auto loan to acquire a lower interest rate or shorten the length of a loan. However, if you have bad credit, getting a low rate auto refinance may be challenging. For the most part, lenders only offer prime rates to prime applicants. In other words, if your credit rating is good, the likelihood of getting a good ...

33). Bad Credit Auto Loan Refinance - Should You Refinance With Bad Credit?
Should you refinance with bad credit? Yes, but only if you can get a savings with a lower rate or need a more manageable monthly payment. Luckily, with so many lenders competing for your business, you can often find good rates and terms for bad credit auto refinance loans.

Has Your Credit Score Improved?

If your credit sco...

34). Bad Credit Auto Loan Refinance – Tips To Increase Your Odds Of Getting Approved
Plan to refinance your auto loan but have bad credit? You can still find financing at reasonable rates by searching online for your lenders. Researching rates and terms will lead you to a good deal, saving you money each month. Increase your odds of getting approved for the best loans by following these tips.

Think About A Co-Signer

35). Bad Credit Car Finance - How To Get Pre-Approved For An Auto Loan With Poor Credit
Getting pre-approved for bad credit car financing will help you get the best rates possible. Pre-approved auto loans also give you an edge during car shopping, providing you with the most options. Your car shopping experience can be focused on getting the best price on a car, rather than worrying about financing.

Why Pre-Approved Loans...

36). Bad Credit Credit Card - How To Increase Your Credit Score With Credit Cards
Credit cards are often the first step for a consumer to build their credit score. When you make regular payments with a small credit limit, lenders will be more willing to lend you larger amounts. Before you jump out and open an account, make sure you don’t have too many credit lines open or otherwise hurt your credit.

Pick A Good Card...

37). Bad Credit Credit Cards - Choosing The Right Credit Card
If you have bad credit, your credit card options are limited. Aside from many credit card companies denying your application, individuals with bad credit usually receive very low credit limits and additional fees.

When applying for a credit card, choosing the right card is essential. Here are a few tips to consider when selecting a cre...

38). Bad Credit Credit Cards – Build Credit With A Major Credit Card
For the millions of consumers with bad credit and no credit, getting approved for a major credit card takes a lot of effort. Unfortunately, establishing credit is as equally challenging as re-establishing credit. Creditors consider both types of people as risky applicants. Thus, they are less eager to extend a line of credit. However, there are way...

39). Bad Credit Debt Consolidation - What Are Your Options To Reduce Your Debt With Poor Credit?
To reduce your debt with a poor credit history, you have several options. While none will solve your credit problems overnight, they can help you get on better financial ground. A debt consolidation loan can help you reduce your monthly payments, while lowering interest rates. A debt consolidation program services your debt and negotiates lower int...

40). Bad Credit Debt Consolidation Loans - Unsecured Vs. Secured Debt Consolidation Loans
Getting out of debt is easier said than done. Fortunately, there are many options available to people hoping to eliminate or reduce high consumer debts. Before filing for bankruptcy, which is more damaging than having excessive debt, consider other alternatives. For example, acquiring a secured or unsecured debt consolidation loan is one method to ...

41). Bad Credit Debt Consolidation Loans – Choosing The Right Lender
If you are ready to bring your finances under control, a bad credit debt consolidation loan may be the right move for you. However, in today’s fiscal climate, there are a lot of debt consolidation scams to watch out for. Choosing the wrong lender can leave you in a financially worse position than when you started, while choosing the right lender ca...

42). Bad Credit Home Equity Line Of Credit Loans - 3 Tips On Getting Approved
Home equity line of credit loans gives you flexibility to access your cash with low rates. Even with bad credit, you can find a lender who offers rates more reasonable than credit cards or personal loans. The following three tips will help you get approved with the best financing company.

1. Check Your Credit Report

Do you...

43). Bad Credit Home Equity Line Of Credit – Choosing The Right Lender
A home equity line of credit allows you to draw on your home’s equity without having to pay for closing rates. For those with bad credit, credit secured by your equity can provide you with low rates. Using your credit wisely, you can use a line of credit to reestablish a good credit rating. However, you need to choose the right lender to be sure yo...

44). Bad Credit Home Financing - Is It Possible To Buy A Home With Bad Credit?
At one point in time, having bad credit made it extremely difficult to get a home loan. Fortunately, things have changed, and many people with less than perfect credit are obtaining home loans with decent rates. Getting a home loan with bad credit is doable. However, you must be willing to seek out lenders that offer bad credit loans.

...

45). Bad Credit Home Improvement Loans - Options For Getting A Loan With Poor Credit
Home improvements are costly. For this reason, many homeowners choose to finance the project. There are many ways to raise funds to complete home improvements. Although some people choose to use a credit card or store charge card, high finance fees make is practically impossible to repay the balance. Instead, consider applying for a home improvemen...

46). Bad Credit Home Improvement Loans – Home Improvement Personal Loan Options
Home improvement projects are expensive, and most homeowners choose to finance the project. Having a high credit rating makes obtaining a home improvement loan easy. While bad credit will not enable a homeowner from securing financing, the chances of getting a good rate are low. Here are a few options available to help homeowners get approved for a...

47). Bad Credit Home Loan Mortgage Services - Selecting A Good Mortgage Broker
If attempting to get a bad credit mortgage, using a mortgage broker is wise. Some people contact traditional lenders when applying for a home loan. However, if your credit is less than perfect, these lenders may be unable to assist you. On the other hand, some traditional mortgage lenders have begun offering bad credit mortgages. Still, for a wide ...

48). Bad Credit Home Loan Mortgage Services – 3 Crucial Things To Watch Out For
When you are seeking out bad credit home loan mortgage services, there are 3 crucial things to watch out for. Predatory lenders are common among bad credit home loan lenders so it’s important to watch for signs of a shady lender.

However, if you take your time and pay attention to details, you will be able to find the best mortgage ser...

49). Bad Credit Home Mortgage Refinance – Should You Refinance
A bad credit home mortgage refinance is possible for people with previous credit problems. The interest rates will not be as low as those for consumers with good credit but you can still end up saving in the end.

There are several questions you should ask yourself when considering a home mortgage refinance. First of all you need to acc...

50). Bad Credit Home Purchase Loans – Should You Purchase A Home?
Today, those with damaged credit have more opportunities to borrow to buy a house than they have had in the past. There are many lenders that specialize in what is often referred to as a bad credit home purchase loan. However, as with many things in life, just because you can, doesn’t mean you should. Indeed, loan availability could be considered a...

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