Comments on: Congresswoman Maxine Waters on hold with Bank Hotline for Loan Modification http://cellforensicsrep.com/congresswoman-maxine-waters-on-hold-with-bank-hotline-for-loan-modification.html College Loans Consolidation Sun, 28 Nov 2010 20:05:10 +0000 hourly 1 http://wordpress.org/?v=3.1 By: cassie c http://cellforensicsrep.com/congresswoman-maxine-waters-on-hold-with-bank-hotline-for-loan-modification.html/comment-page-1#comment-2918 cassie c Thu, 28 Jan 2010 16:34:25 +0000 http://cellforensicsrep.com/congresswoman-maxine-waters-on-hold-with-bank-hotline-for-loan-modification.html#comment-2918 To get a student loan, your first step is to fill out the Free Application for Federal Student Aid (FAFSA). You should submit your FAFSA as soon as possible – you can make estimates and correct the details later. Once you’ve completed your FAFSA, you’ll want to visit your school’s student aid office. Ask what kind of aid you might expect. Try this site http://free-college-information-usa.blogspot.com/ Free College information on financial aid for students, scholarship, student loans and more. To get a student loan, your first step is to fill out the Free Application for Federal Student Aid (FAFSA). You should submit your FAFSA as soon as possible – you can make estimates and correct the details later.

Once you’ve completed your FAFSA, you’ll want to visit your school’s student aid office. Ask what kind of aid you might expect.

Try this site

http://free-college-information-usa.blogspot.com/

Free College information on financial aid for students, scholarship, student loans and more.

]]> By: Spadadiforza http://cellforensicsrep.com/congresswoman-maxine-waters-on-hold-with-bank-hotline-for-loan-modification.html/comment-page-1#comment-2913 Spadadiforza Thu, 28 Jan 2010 12:04:36 +0000 http://cellforensicsrep.com/congresswoman-maxine-waters-on-hold-with-bank-hotline-for-loan-modification.html#comment-2913 It's not in the bank's best interests to fix mortgages...Banks would rather foreclose, hold on to the property and sell them at a later date when the market warms back up. Foreclosed owners are out the money they payed....and the banks lose nothing. It’s not in the bank’s best interests to fix mortgages…Banks would rather foreclose, hold on to the property and sell them at a later date when the market warms back up. Foreclosed owners are out the money they payed….and the banks lose nothing.

]]> By: razerfish http://cellforensicsrep.com/congresswoman-maxine-waters-on-hold-with-bank-hotline-for-loan-modification.html/comment-page-1#comment-2912 razerfish Thu, 28 Jan 2010 11:23:09 +0000 http://cellforensicsrep.com/congresswoman-maxine-waters-on-hold-with-bank-hotline-for-loan-modification.html#comment-2912 I work for a loan modification company that does more than 100 successful modifications each month and the goverment is out there telling borrowers not to use our companies and do it themselves. The banks warn their customers not to use our services. And the truth is: if we do someone's modification, the bank loses so much more than if the poor, ignorant borrower tries it themselves. They have no chance against these banks without someone on their side. I work for a loan modification company that does more than 100 successful modifications each month and the goverment is out there telling borrowers not to use our companies and do it themselves. The banks warn their customers not to use our services. And the truth is: if we do someone’s modification, the bank loses so much more than if the poor, ignorant borrower tries it themselves. They have no chance against these banks without someone on their side.

]]> By: bbrrpf http://cellforensicsrep.com/congresswoman-maxine-waters-on-hold-with-bank-hotline-for-loan-modification.html/comment-page-1#comment-2923 bbrrpf Thu, 28 Jan 2010 02:07:57 +0000 http://cellforensicsrep.com/congresswoman-maxine-waters-on-hold-with-bank-hotline-for-loan-modification.html#comment-2923 You know what my answer to this problem is? I am joining the Marine Corps. I'm gonna be programming. There are plenty of different jobs in the Corps other than just killing ppl. So if I were you I'd go to marines.com and search for your nearest recruiter to see what they could do for you. What do you have to lose by talking to a recruiter. Nothing. You know what my answer to this problem is? I am joining the Marine Corps. I'm gonna be programming. There are plenty of different jobs in the Corps other than just killing ppl. So if I were you I'd go to marines.com and search for your nearest recruiter to see what they could do for you. What do you have to lose by talking to a recruiter. Nothing.

]]> By: tomiko http://cellforensicsrep.com/congresswoman-maxine-waters-on-hold-with-bank-hotline-for-loan-modification.html/comment-page-1#comment-2919 tomiko Wed, 27 Jan 2010 16:58:08 +0000 http://cellforensicsrep.com/congresswoman-maxine-waters-on-hold-with-bank-hotline-for-loan-modification.html#comment-2919 With 20 years experience in the mortgage business, I have never seen a student loan that was in repayment treated any differently than any other long term debt. While you may be able to ask for a hardship deferal in the future, which is the only advantage on a student loan that doesn't exist on a standard installment loan, no lender wants to anticipate that circumstance. As long as the payments extend past 10 months in the future, the lender will only use your monthly payment as part of your qualifying ratios. The total debt is not that important and would only be a minor factor. What will matter more is your payment history on the student loan: it should be perfect. It all comes down to the quality of your credit history (your FICO score) and your qualifying ratios of debt/income. Try this site http://free-college-information-usa.blogspot.com/ Free College information on financial aid for students, scholarship, student loans and more. With 20 years experience in the mortgage business, I have never seen a student loan that was in repayment treated any differently than any other long term debt. While you may be able to ask for a hardship deferal in the future, which is the only advantage on a student loan that doesn't exist on a standard installment loan, no lender wants to anticipate that circumstance. As long as the payments extend past 10 months in the future, the lender will only use your monthly payment as part of your qualifying ratios. The total debt is not that important and would only be a minor factor. What will matter more is your payment history on the student loan: it should be perfect. It all comes down to the quality of your credit history (your FICO score) and your qualifying ratios of debt/income.

Try this site

http://free-college-information-usa.blogspot.com/

Free College information on financial aid for students, scholarship, student loans and more.

]]> By: pearl298 http://cellforensicsrep.com/congresswoman-maxine-waters-on-hold-with-bank-hotline-for-loan-modification.html/comment-page-1#comment-2914 pearl298 Tue, 26 Jan 2010 21:48:25 +0000 http://cellforensicsrep.com/congresswoman-maxine-waters-on-hold-with-bank-hotline-for-loan-modification.html#comment-2914 Clearly the CEOs are justifying their billion dollar bonuses! Clearly the CEOs are justifying their billion dollar bonuses!

]]> By: Lyric http://cellforensicsrep.com/congresswoman-maxine-waters-on-hold-with-bank-hotline-for-loan-modification.html/comment-page-1#comment-2922 Lyric Tue, 26 Jan 2010 11:45:37 +0000 http://cellforensicsrep.com/congresswoman-maxine-waters-on-hold-with-bank-hotline-for-loan-modification.html#comment-2922 I am in the same situation as you. Here is what I did. Fill out your FASFA form online (www.fafsa.ed.gov). Add all the schools that you intend to attend on your FASFA. Different schools have different deadlines to have your FASFA submitted. The earlier you submit your FASFA the better so that you can meet the deadline for all the schools. You must obey your school's deadline not the federal deadline for your state. The school receives money from the FED and they prepare a financial aid package for all the students that meet their deadline and that are accepted. The student package consist of scholarship, Stafford and Perkin loans. This all depends on your family's expected contribution toward your education. Whatever amount extra that you need you have to get a private student loan which is credit base. Your parents could also take a student loan on your behalf. For private student loans try Discover student loans and sallimae as. Your school should have a list of all the lenders that offers private student loans as well as a list of scholarships that you can apply for. Good Luck !!!! If your expected family contribution is zero and you are interested in working in undeserved communities after you graduate for a free education. Check out the following link: http://bhpr.hrsa.gov/nursing/scholarship/applicantbulletin/default.htm#benefits ss I am in the same situation as you. Here is what I did.

Fill out your FASFA form online (www.fafsa.ed.gov). Add all the schools that you intend to attend on your FASFA. Different schools have different deadlines to have your FASFA submitted. The earlier you submit your FASFA the better so that you can meet the deadline for all the schools. You must obey your school's deadline not the federal deadline for your state. The school receives money from the FED and they prepare a financial aid package for all the students that meet their deadline and that are accepted. The student package consist of scholarship, Stafford and Perkin loans. This all depends on your family's expected contribution toward your education. Whatever amount extra that you need you have to get a private student loan which is credit base. Your parents could also take a student loan on your behalf. For private student loans try Discover student loans and sallimae as. Your school should have a list of all the lenders that offers private student loans as well as a list of scholarships that you can apply for. Good Luck !!!!

If your expected family contribution is zero and you are interested in working in undeserved communities after you graduate for a free education. Check out the following link:

http://bhpr.hrsa.gov/nursing/scholarship/applicantbulletin/default.htm#benefits

ss

]]> By: miamidadecounty305 http://cellforensicsrep.com/congresswoman-maxine-waters-on-hold-with-bank-hotline-for-loan-modification.html/comment-page-1#comment-2911 miamidadecounty305 Tue, 26 Jan 2010 05:07:07 +0000 http://cellforensicsrep.com/congresswoman-maxine-waters-on-hold-with-bank-hotline-for-loan-modification.html#comment-2911 I tell all my clients, don't roll the dice with your home. Get legal representation. The law firm that I am affiliated with has proven results. The company gives a 100% money back guarantee if we cannot modify your loan and we put that in writing. If you or anyone you know is serious about saving your home call me at: 1-800-305-2313 ext. 101 I tell all my clients, don’t roll the dice with your home. Get legal representation. The law firm that I am affiliated with has proven results. The company gives a 100% money back guarantee if we cannot modify your loan and we put that in writing. If you or anyone you know is serious about saving your home call me at: 1-800-305-2313 ext. 101

]]> By: belinda http://cellforensicsrep.com/congresswoman-maxine-waters-on-hold-with-bank-hotline-for-loan-modification.html/comment-page-1#comment-2920 belinda Tue, 26 Jan 2010 03:34:03 +0000 http://cellforensicsrep.com/congresswoman-maxine-waters-on-hold-with-bank-hotline-for-loan-modification.html#comment-2920 if you are looking for the best and fastest loan website, check out this site http://Best-Payday-Loans-USA.com/ Here you can get the best rates available for you. if you are looking for the best and fastest loan website, check out this site

http://Best-Payday-Loans-USA.com/

Here you can get the best rates available for you.

]]> By: ronidl76 http://cellforensicsrep.com/congresswoman-maxine-waters-on-hold-with-bank-hotline-for-loan-modification.html/comment-page-1#comment-2921 ronidl76 Tue, 26 Jan 2010 02:28:55 +0000 http://cellforensicsrep.com/congresswoman-maxine-waters-on-hold-with-bank-hotline-for-loan-modification.html#comment-2921 In an interest-only loan or mortgage the borrower only pays interest each month. This makes it cheaper than a conventional mortgage, in which part of each month's payment goes towards the principal and part goes towards interest. These loans have become popular because the monthly payments are lower, allowing borrowers to afford a larger home. However, these loans can be dangerous, especially in a down housing market. The interest rates are generally fixed for the first 1, 3 or 5 years. After that, they convert to a conventional loan, with a higher monthly payment. Most borrowers take on these loans because they assume they will sell the home before the interest rate increases. In a down market, they may not be able to sell. If they cannot afford the increased payment, they may have to default on the loan, and foreclose on the home. So, when the rate starts to adjust, you would need to refinance again. And, either get a fixed or another interest only adjustable. And, yes, I do believe you mean ARM. Although, if you have extra money every so often, you can pay down the principal in extra payments. In an interest-only loan or mortgage the borrower only pays interest each month. This makes it cheaper than a conventional mortgage, in which part of each month's payment goes towards the principal and part goes towards interest. These loans have become popular because the monthly payments are lower, allowing borrowers to afford a larger home.
However, these loans can be dangerous, especially in a down housing market. The interest rates are generally fixed for the first 1, 3 or 5 years. After that, they convert to a conventional loan, with a higher monthly payment. Most borrowers take on these loans because they assume they will sell the home before the interest rate increases. In a down market, they may not be able to sell. If they cannot afford the increased payment, they may have to default on the loan, and foreclose on the home. So, when the rate starts to adjust, you would need to refinance again. And, either get a fixed or another interest only adjustable. And, yes, I do believe you mean ARM. Although, if you have extra money every so often, you can pay down the principal in extra payments.

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