WHY CHOOSE ICASHLOANS ? : When you need cash quickly you want to work with a service that is reliable and experienced in the payday loan industry - iCashLoans is both. We pride ourselves on connecting our customers with the best payday lenders to meet their needs. Why waste time visiting dozens of websites trying to figure out which lender will serve you best? iCashLoans is the only site that you need to visit when you’re looking for a fast, secure payday loan.

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Our services are designed to help you find a reputable payday lender to work with. iCashLoans has a large number of lenders in our network, and we are confident that we can assist you in obtaining the best payday loan to meet your needs. Everyone hits a rough patch financially at some point, and payday loans are a great solution for short-term cash flow problems. You don’t have to worry about how you are going to pay an unexpected bill, or cover an emergency expense, between pay checks - iCashLoans is your source for finding payday loans. Using iCashLoans is 100% free to you - we do not charge any fees for our services. When you use iCashLoans you will save time and money. All you have to do is provide us with basic information and we will instantly search our network of lenders to find you the loan that meets your needs. At iCashLoans we pride ourselves on working with lenders that are fair and honest in their lending practices. Our main goal is to provide you with a great experience when searching for a payday lender. All lenders in our network are required by law to follow all of the rules and regulations related to payday lending. Don’t drive around town to visit payday loan shops, and forget about looking at website after website trying to find a loan with fair terms. iCashLoans is the only place you need to go to find a payday loan. We will search our vast netowrk of lenders instantaneously to find you the loan that you are looking for.

Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

Saturday, March 22, 2014

Loan Modification Application - Top 10 FAQS


Desperate and defaulting homeowners looking for relief need to learn how to complete a loan modification application correctly so they will qualify for the help they need. A loan modification can be the solution that offers long term, affordable mortgage payments that will allow homeowners to avert foreclosure and stay in their home. Almost all of the major lenders have agreed to offer the Federal program that offers to modify loans for borrowers facing financial hardship. But how does a needy homeowner start the application process? More importantly, how can a desperate borrower increase their chance for approval with their lender so they obtain a new, low mortgage payment?

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Here are the Top 10 FAQS about a loan modification application to help answer some of those important questions:

Does every homeowner qualify for a loan modification? Unfortunately, no, a homeowner must be able to meet certain required qualifications in order to obtain a loan workout. Do I have to be delinquent on my payments to qualify for help? No, but you must show evidence of imminent financial hardship-meaning that if you don't get help you will become delinquent due to increase expenses or less income. However, at this time, priority is given to those borrowers who are facing foreclosure in the near future. Can I get a loan modification if I have filed Bankruptcy? If you are in active Chapter 7, then you must wait until the case is discharged to apply. Chapter 13 borrowers must obtain court approval for any changes to their debts. What is an acceptable hardship situation? While each borrower facing a unique situation, most lenders have generally agreed that divorce or separation, job loss, decreased income, illness or medical expenses, death of family member, military duty, incarceration and natural disaster are all valid reasons to submit a loan modification application. Do I have to prove my hardship? The lender will ask for a Hardship Letter which will briefly describe your situation, what steps have been take to correct the situation and your intention to remain current in the future. Borrowers can use an outline and hardship letter template to help write a convincing hardship letter. What loan modification forms are required and where do I get them? Your application will have to include a borrowers statement that provides your general information and financial statements that detail your income and expenses so that lender has a snapshot of your current financial situation. What else do I need to give my lender to determine if I qualify? You will be asked to provide your paycheck stubs, bank statements and tax. I owe more than my home is worth-can I still submit a loan modification application? Yes, there is actually more incentive for your bank to offer you a lower mortgage payment so you can stay in your home as they stand to lose more money by foreclosing due to the decreased value of your home. Does a loan modification hurt my credit? The loan workout itself will not reflect on your credit report, however if you have had late payments and are delinquent, that will usually be reported to the credit bureaus. Interestingly, some lenders have delayed their reporting of delinquent loan payments in an effort to give the homeowner the opportunity to explore refinancing options before hitting the credit report. Whats the best way to get started on my loan modification application? First, you must take the time to learn as much as you can about the process so that you can increase your chances of success by preparing an acceptable application to your lender. Once you know and understand what your bank needs to see in order to qualify you for help, you will be able to prepare your paperwork properly so you can get the help you need and deserve.

Homeowners seeking loan modification help should learn a bit about the process before contacting their lender. A knowledgeable homeowner is a powerful homeowner. Make the decision to take control of your financial future by taking the time to research, learn and prepare. Spend just a couple of hours learning the basics, and your chances of success will be much greater. The Loan Mod Quick App will help you fine tune your financial statement and submit an accurate and acceptable application. This is serious stuff, your families home and credit is on the line-your time and effort will be well spent and you will be able to get back on the path to secure home ownership.

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