Broken-hearted sweet girl sat quietly at shelter lobby watches her owner handed off the leash to officer

Get a Lower Interest Rate on Your First Home Loan

Traditionally, home loans have always had some of the lowest interest rates simply because they are secured with a property. However, due to the growing home prices, the principal amounts become ever bigger. As a result, the loans become more expensive and the monthly instalments get higher. That is why you need to use as many strategies as possible to secure a lower mortgage rate. Check out some of the most effective ones.

1. Comparison Shopping

The competition between lenders is constantly growing so they are trying to offer lower mortgage rates. By comparing different home loans, you will be able to pick the one with the lowest rate. Even if you manage to secure a rate which is lower by just 0.01 percentage points, you will save money. If you do not have the time to shop around or you fear that you may get things wrong, you can use the services of a professional mortgage broker.

2. Negotiation

Each and every lender is open to negotiation and you should use this to your advantage. Your bank may be able to offer a lower interest rate in order to keep you as a customer. Another bank may come up with attractive mortgage offer if you open and current account with them. You will be in the best position to negotiate a lower rate if you have exemplary credit record and a large deposit. Check the mortgage market situation as well. If the demand for home loans is low, you will have greater bargaining power.

3. Bigger Deposit

The deposit is your contribution to the payment of the sales price of the property. The bigger it is the smaller the loan principal will be. A smaller principal amount lowers the risk for the lender even further. That is why they will be willing to lower the mortgage rate.

4. Floating Interest Rate

This rate is always lower than the fixed one on any type of mortgage. That way, it can save you money. At the same time, since it is floating, it can go up or down within certain limits. This means that you have to provide for bigger monthly payments. Still, you will have the option of switching to a fixed-rate loan and the opportunity to pay off the loan early without penalty.

5. Shorter Loan Term

These mortgages always come with lower interest rate and help you save. However, due to the shorter term, the monthly instalments are considerably higher. You have to ensure that you will be able to afford them.

You can readily combine these strategies for getting one of the most affordable home loans.

Take advantage of the excellent terms and conditions which Platinum Home Loans have to offer. Secure a competitive interest rate and repayment structure which matches your needs and requirements.

Are Your Debts Getting Out of Control and Are You Thinking of Refinancing?

If you have answered yes, you should consider the possibility of refinancing your current home loan and combining your multiple debts (e.g. credit cards and other personal loans) into one home loan.

Do You Want to Get Back in Control of Your Debts?

If your debts are getting out of control, and you are thinking of refinancing your current home loan, consolidating your debts and reducing your repayments, let a reputed brokerage firm arrange your refinance. You will find yourself being able to better manage your personal and household budget.

How does the process of Refinancing Work?

The process is very easy. You simply consider applying for a new loan on your current property and you use this new loan to pay out:

>> Your current home loan, and
>> Any other debt you may have (e.g. higher interest credit cards or personal loans)

How Can I Benefit by Refinancing?

You too can benefit in the same way that many Australians are already benefiting by refinancing your current home loan. This will enable you to:

>> Lower your monthly repayments
>> Make only one repayment
>> Lower your interest rate
>> Reduce the amount of time it takes to pay off your home loan
>> Get yourself back in control of your debts much sooner than you anticipated
>> You will not have to experience the stress and pain of overdrawn or over the limit credit card balances
>> Reduce your debts (including eliminating high interest credit card debt and personal loans)
>> You will not have to pay the higher credit card interest rates anymore

Who can enjoy the Benefits of Refinancing?

Refinancing may benefit you even if you fit into one or more of the following categories:

>> Short-term employed or not employed long enough
>> Irregular income
>> Self-employed
>> Government Allowance including New Start
>> Previously bankrupt
>> Declined by another lender
>> Pensioner
>> Adverse credit history
>> Existing loan arrears or defaults
>> Limited savings history

What Should I Consider When I Am Applying for a Refinance Home Loan?

Make sure, the refinancing and consolidation process is beneficial to you. I suggest you to consider the following outcomes at the time of applying for refinancing and confirm in your own mind, if the outcomes are to your benefit:

>> You are kept fully informed
>> Your repayments will be reduced - not increased
>> There are no hidden fees or costs
>> You have achieved control over all your debts
>> There is a real long-term benefit to you

So, don't spend your money in making high monthly repayments. Take full control of your debts and contact a reputed brokerage firm. It will provide you with expert advice on refinancing your current home loan to consolidate your debts.

Mia unfortunately found herself here as an owner surrender. She's a super sweet girl that you just can't pass up. She's pretty, friendly, and would definitely make a great companion. Mia is about 50 lbs and is only 1 yr and 2 months old.

The dog watched her owner leave the building. She would not keep her eyes off the door and kept trying to go after her owner. When the owner handed off the leash to the animal control officer the dog jumped to hug her owner and the owner pushed her off. The entire lobby was in tears. The dog was darling sweet.

PAST SHELTER DEADLINE!
This dog is in ACS KENNELS and at risk of euthanasia as space is needed by the city at 9:30am Mon-Sat, and again at 5pm Mon-Fri & 3pm Sat.
ADOPTERS PLEASE EMAIL: acsadoptions@sanantonio.gov
FOSTERS/RESCUES PLEASE EMAIL: placement@sanantoniopetsalive.org

We are NOT the City Shelter to where pictures were taken. FOR MORE INFO ON THIS PET please contact:
San Antonio Animal Care Services
4710 State Highway 151
San Antonio, TX 78227
Phone Number: (210) 207-4PET.
Fax Number: (210) 207-6673
Ask for information about animal ID number #A494553

FB threat here
Can a Bad Credit Mortgage Broker Really Help You Out?

If you have bad credit, you are naturally fearful about applying for a home loan directly to a bank. Indeed, if you get rejected, this may have an adverse impact on your credit score and make things worse. In this situation, you may want to seek the professional assistance of a mortgage broker. Find out more about the help which you can expect to receive.

Lender Relations

A good mortgage broker works with various lenders to find the right product for each one of their clients. Such a professional will certainly be able to help you out, especially if they have established solid relationships with lenders over the years. On the other hand, if the professional works with one or two lenders only, your chances of getting a good loan deal will be considerably lower. Even if the professional is able to secure a loan for you, it may be too expensive and difficult to repay for you.

Knowledge, Experience and Achievement

These are extremely important factors which determine the quality of the service which you will get and your chances of securing a home loan which will be right for you. The broker should have extensive knowledge about the market and the situation of each lender. These are powerful bargaining tools in addition to personal contacts in the industry. A more knowledgeable professional will do better in negotiating on your behalf.

A more experienced bad credit mortgage broker will certainly be better at finding a suitable deal and negotiating the most favourable terms and conditions. When you consider the professional's experience you should not focus on the number of years which they have been in the industry for, but on the number of clients which they have had.

The achievement record of the specialist will show you how good they are in what they are doing. The more home buyers the broker has helped the better. You should definitely ask for references to get a better idea about the specialist's achievements.

Individual Support

The broker should act as a financial advisor as well. You should be able to get plenty of information about the requirements of lenders and about your current chances of getting approved for a mortgage. It is best if the professional can come up with a strategy which you can use for securing a loan. It can include measures for improving your credit record and other techniques which help to lower the risk for the lender.

Overall, you should look for a highly experienced and successful mortgage broker to help you secure a home loan with bad credit.

Reverse mortgages have made the subject of numerous controversial discussions, both among experts in the field, and seniors interested in making the most of their homes and ensuring their retirement plans. However, people's reluctance to this type of products is often generated by the lack of accurate information. The aim of this article is to provide you with relevant information about the mechanism of reverse mortgages, as well as the benefits they can generate.

How does it work?

A reverse mortgage can be defined in terms of a special home loan, especially designed for seniors aged at least 62, that allows you to borrow money against the equity of your home and transform it into cash you can dispose of in emergency cases or unexpected business opportunities. In simple terms, unlike conventional mortgages which require monthly payments from the homeowners' part, a reverse mortgage basically transforms the property itself into a steady income source.

Which are the benefits?

Misinformation and the fear factor often prevent elderly homeowners from benefiting from the equity in their house, an equity they have been building over time by paying their mortgages. Many seniors are not aware of the fact that a reverse mortgage doesn't imply a title transfer. That means that they will not only retain the ownership of the house, but also that, once they pass away and the loan is paid, the house will be passed on to the entitled heirs.

Another aspect worth mentioning is the fact that reverse mortgages guarantee homeowners the right to live in their houses until they die, sell the house, or decide to move. The only condition is for homeowners to be up-to-date with the correspondent property taxes and keep the house in a reasonable condition.

Moreover, if the contracted mortgage guarantees a monthly or annual income for life, any depreciation of the property's value will be the lender's responsibility. In addition, being considered equity and not proper income, payments are tax free and do not affect benefits such as social security or Medicare.

What should one do before pursuing one?

In order to avoid unpleasant surprises, seniors should do a thorough research before making a commitment and acquire a reverse mortgage. Carefully check eligibility, safeguards, pertinent taxes, payment plans, liability, interest rates etc. Information is widely reachable, both online and through direct discussions with authorized HUD or FHA counsellors or lenders.

Before making a lifetime commitment, it is highly important for seniors to carefully educate themselves and fully understand which their options are, how the loan process works, and which are their rights and responsibilities.

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