Tag: Colin Hogan

What Documents are Required For Getting a Personal Loan? | Personal Loans and Advice
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What Documents are Required For Getting a Personal Loan? | Personal Loans and Advice

When you apply for a personal loan, your application is approved based on whether you meet requirements including a solid credit score, favorable debt-to-income ratio and more. In order to prove you qualify, many lenders require that applicants submit supporting documentation alongside their application.Make sure you are ready to provide these documents, which can include pay stubs, utility bills and more, before you apply.What Documents Are Required for Getting a Personal Loan? Different lenders will require different documents alongside your personal loan application, which itself will typically ask for your personal information like name and date of birth, income and the amount you are requesting. Still, there are some common requests to be prepared for."Credit score, income and how mu...
How to Get a $20,000 Personal Loan | Personal Loans and Advice
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How to Get a $20,000 Personal Loan | Personal Loans and Advice

If you need to borrow a sizable amount of money – such as $20,000 or more – a personal loan may be your best option. Personal loans allow you to borrow money for just about any purpose, and perhaps borrow more than you could with a credit card. Plus, the interest rates are fixed, and often much lower than credit cards, payday loans and other expensive forms of financing – especially if you have good credit.So if you're in need of a $20,000 personal loan, try following these steps to get approved for the full amount.1. Check Your Credit Score.Your first step when attempting to get a personal loan should be to check your credit score.Lenders take into account your credit history and credit score to decide whether you are a good candidate for a loan.Credit score requirements vary by lender, ...
What Is an Unsecured Loan? | Personal Loans and Advice
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What Is an Unsecured Loan? | Personal Loans and Advice

Taking out an unsecured loan may be a good option when you need to borrow money. Unsecured loans are loans and credit cards that aren't backed by an asset, or collateral. Qualification requirements may be strict, and the loan may come with higher interest rates than secured loans. But unsecured loans offer convenience and the ability to borrow money without putting up collateral. Here's what to know before applying for an unsecured loan.What Is an Unsecured Loan? An unsecured loan is a loan supported by your creditworthiness rather than collateral, such as property or a cash deposit. Unsecured loans are sometimes known as signature or good faith loans because only your signature confirms your promise to repay the loan. Credit cards, personal loans and student loans are all examples of uns...
Everything You Need to Know About Land Loans | Mortgages and Advice
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Everything You Need to Know About Land Loans | Mortgages and Advice

Buying land can open potential for business, investment or building a home, but lenders typically don’t offer traditional mortgages for land without a valuable structure on it such as a home. Specialized land loans can be used to finance land purchases, but you should understand the limitations, benefits and drawbacks of land loans before you apply for one.Read on to learn about getting a land loan if you want to buy land and need to finance it.What Is a Land Loan?Just as mortgages are for buying homes, land loans are for purchasing property without a home built on it. The property typically secures a land loan, so if you default, the lender may take ownership of the land to recoup its losses – just as it would if you defaulted on a mortgage.Find the Best Personal Loans for You Lender Lea...
Should You Use Buy Now, Pay Later for Travel? | Personal Loans and Advice
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Should You Use Buy Now, Pay Later for Travel? | Personal Loans and Advice

Buy now, pay later financing options offer a flexible alternative to traditional payment methods when you make a purchase – including travel purchases. Whether traveling for family obligations or jetting off on a fabulous vacation, BNPL may offer the option to book travel without making a full upfront payment. But while BNPL can offer flexibility, it isn’t without risk.Read on to understand the benefits, drawbacks and factors you should consider before using BNPL to book travel.What Is Buy Now, Pay Later?BNPL is an alternative to credit cards and loans. It’s popular for travel expenses such as flights, hotels and vacation packages. BNPL can offer convenience and flexibility, particularly for costly trips that might be difficult to pay upfront, but you should exercise caution.“Participatin...
Freedom Debt Relief Review 2023| US News
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Freedom Debt Relief Review 2023| US News

What Can Freedom Debt Relief Be Used For? Freedom Debt Relief assists clients with settling unsecured debts, including: Credit card debt Medical bills Department store card debt Unsecured personal loan debt The company may offer debt settlement relief for private student loans and some business debts. It does not assist with secured debts, such as auto loans or mortgages, or federal student loans. How Does Freedom Debt Relief Work? You can call a Freedom Debt Relief debt consultant to ask about the program or fill out an online form to see if you are eligible for debt settlement with the company. Once you start working with Freedom Debt Relief, you will make monthly deposits into a dedicated account, with those savings earmarked for paying settlements. Freedom Debt Relief will negot...
DMB Financial Review 2023 | US News
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DMB Financial Review 2023 | US News

What Can DMB Financial Be Used For?The debts you can include in the DMB Financial debt settlement program must be unsecured, such as credit cards, personal loans and medical bills. DMB negotiates with each creditor separately.How Does DMB Financial Work?You can submit information about yourself and your debt through an online form, and then work with one of DMB Financial's program consultants. Next, you would pay into a separate savings account each month. During that time, you would not pay your creditors. DMB Financial would work with each creditor to try to settle the debt, using the money in the third-party savings account to pay the agreed-upon sum.What Are DMB Financial's Terms, Fees and Conditions?There is no fee for your consultation with the program consultant. DMB Financial does...
Pacific Debt Inc. Review 2023
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Pacific Debt Inc. Review 2023

How Can Pacific Debt Relief Be Used? Pacific Debt Relief works with clients to settle most types of unsecured debts, including: Credit card debts. Personal loan debts. Medical bills. Collections and repossessions. Payday loans. Business debts. Some student loans. How Does Pacific Debt Relief Work?You will start by either applying for the Pacific Debt Relief program online or calling 800-909-9893 for a free consultation. Pacific Debt Relief will use a soft credit pull to develop a clearer picture of your financial situation, including types of debt and how much you owe.If you enroll in the program, you will stop paying specific creditors and start making monthly deposits to a special purpose savings account in your name. Pacific Debt Relief will begin negotiating with creditors, an...
LendingTree Mortgage Review | Mortgages and Advice
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LendingTree Mortgage Review | Mortgages and Advice

Compare Top Mortgage Lenders Lender Learn More Min. Down Payment Min. Credit Score Lender Learn More Min. Down Payment Min. Credit Score Lender Learn More Min. Down Payment Min. Credit ScoreWhat Types of Mortgage Loans Does LendingTree Offer? LendingTree does not originate loans, but its marketplace can connect you with loan types including: Conforming prime mortgages Jumbo loans Federal Housing Administration loans Department of Veterans Affairs loans Non-prime mortgages Refinancing How Does LendingTree Work? LendingTree's network of lenders give it criteria about the loans and customers they're interested in. You provide LendingTree information on the type of loan you're looking for and details about your financial situation. LendingTree can then match you with lenders that wou...
How to Get Rid of PMI | Mortgages and Advice
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How to Get Rid of PMI | Mortgages and Advice

It's not always possible to make a 20% down payment on a home loan, but if you pay less, you may be required to pay private mortgage insurance. However, PMI can lower a cost barrier for prospective borrowers, allowing you to become a homeowner and begin building equity sooner. Of course, that doesn't mean PMI is always worth it. After all, it's an added cost that doesn't contribute to the equity in your home. Here's how it works and how to get rid of PMI when you no longer need it.How Private Mortgage Insurance WorksPrivate mortgage insurance, or PMI, is a type of financial protection mortgage lenders require when the borrower has a lower down payment – usually less than 20% for a conventional loan. PMI may also be required if you refinance your mortgage with less than 20% equity built up...