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Free Money Saving Auto And Home Loan Tips?
from: Tim GormanFree Auto Loan Tips
The following tips should help increase your chances of getting a car loan at a better rate.
Tip #1 - If you just started a job (recently graduated from college) then wait 6 months to apply for your car loan.
Tip #2 - If you have currently have bad credit then repair it before applying for an auto loan.
Tip #3 - If you've recently moved then wait until you have lived at your new address for 6 months before applying for a loan.
Tips #4 - If you have had a previous auto loan or home mortgage on your credit report then your chances for a new loan improve greatly.
Tip #5 - Try and pay off all of your credit card balances or at least lower them. You may want to consider finding the best debt consolidation loans to erase all of your credit card bills. The bottom line is don't keep a high debt load or credit card balances.
Tip #6 - You must have a stable job or occupation.
Tip #7 - Other examples of credit extended to you should appear on your credit report. Verify this with a quick and easy online credit report. Also avoid charge off's on your credit report.
Tip #8 - If you've filed bankruptcy before then you should wait 3-4 years before trying to get an auto loan.
Free Home Loan Tips
Tip #1 - Make Bi-Monthly Payments: Instead of paying your mortgage with one monthly payment switch to paying half of your loan payment every 2 weeks. The savings comes from the 26 half payments you make which add up to 13 monthly payments versus the regular 12 payments you would normally make in a year. The end result is you save a large sum of money on the interest owed and you'll own your home a lot sooner!
Tip #2 - Choose a 15 year mortgage instead of a 30 year mortgage: You'll end up with a higher monthly payment but in the long run you also save tens of thousands of dollars in interest charges, especially if you shop for the best home loans you can afford.
Tip #3 - Mortgage Refinancing: Currently this is the most popular trend. You refinance your mortgage if you can get a rate that is at least one percentage point lower than your existing mortgage rate and plan to keep the new mortgage for several years or more.
Tip #4 - Buy down the rate: The seller or builder, or through innovative pricing, can help you buy down your mortgage rate for one, two, or three years.
Tip #5 - Consider an adjustable-rate mortgage (ARM): If you think you will be in your house for less then 5 years then perhaps you should consider an ARM. An adjustable-rate mortgage (ARM) starts with a considerably lower interest rate, but then adjusts every year. This type of loan moves a little bit of the risk away from the lender, and the lender rewards you with a lower rate. Usually these mortgages are capped to rise not more than two percent in any year, and not more than five or six percent for the life of the loan for your protection.
About the Author
Timothy Gorman is a successful webmaster and publisher of Military-Loans-Online.com – Which provides free money saving loan quotes on all of your loan needs to include home equity loan information that you can research in your pajamas on his website.
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Mortgage Middlesbrough News
Region first to benefit from repossession aid - Northern Echo
.jpg) Manx Radio | Region first to benefit from repossession aid Northern Echo, UK - A month before the £200m mortgage rescue package is made available nationwide, authorities in Darlington, Middlesbrough, Stockton and Scarborough have been ... Kerbside scheme running smoothly |
Downturn hits home - Northern Echo
Downturn hits home Northern Echo, UK - Later today the Government will launch its £200m mortgage rescue package in key pilot areas, including Darlington, Stockton and Middlesbrough. ... Agency ditches property division |
Residents to benefit from rescue package - News Guardian
Residents to benefit from rescue package News Guardian, UK - The council is one of only four councils in the region to be 'fast tracked' into the scheme - the others are Stockton, Darlington, and Middlesbrough. ... |
Road death driver loses licence appeal - GazetteLive
Road death driver loses licence appeal GazetteLive, UK - The landlord of the Old Vic pub on Ormesby Road, Middlesbrough, refused to continue serving him and tried to stop him driving. Against his advice, Mills set ... |
‘Give us our cut of cheap money’ - nebusiness.co.uk
‘Give us our cut of cheap money’ nebusiness.co.uk, UK - John Pettifer, managing director of Recycling IT, in Middlesbrough, said the rate cut could help small businesses - if lenders pass it on. ... |
Wasteful Blues Miss Chance - Vitalfootball
Wasteful Blues Miss Chance Vitalfootball, UK - Yakubu really should of scored minutes later, one on one with the Boro keeper you'd have put your mortgage on him scoring. However he was too slow to get ... |
Nine more held in organised crime blitz - Independent
Nine more held in organised crime blitz Independent, UK - ... raids led to four arrests in Kent and five across Teesside on suspicion of supply and distribution of drugs, money laundering and mortgage fraud. ... 17 held as police smash drug-smuggling gangs |
Organised crime gangs targeted in series of raids - Kent News
 ITN | Organised crime gangs targeted in series of raids Kent News, United Kingdom - Those arrested are being questioned at police stations in north Kent and Middlesbrough in the country’s North East and charges are expected to be laid over ... Police raids break up 'drugs gangs' Police smash international drug gangs 'Drug rings' busted in mass raids |
THE PETER HUGHES COLUMN - DISAPPOINTIONG TURNOUT? - ComeOnBoro.com
THE PETER HUGHES COLUMN - DISAPPOINTIONG TURNOUT? ComeOnBoro.com, UK - Middlesbrough's population is 120000 and one in five go to every game, one in four if it’sa big game. But if you look at it from a European perspective, ... |
Sam Wallace: Time for Chelsea to play the generation game and test ... - Independent
Sam Wallace: Time for Chelsea to play the generation game and test ... Independent, UK - In Manchester United's win over Middlesbrough in the same competition in September, they featured five players from outside the senior first-team squad. ... |