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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About Us:

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.

Tuesday, March 18, 2014

Mortgage Loan Modification - Tips to Apply & Qualify to Lower Your Payment


A mortgage loan modification could be the solution you need to lower your monthly payments so you can afford to stay in your home and avoid foreclosure. The federal government has a streamlined program that is funded by the stimulus plan, and is designed to offer loan workouts to almost 5 million homeowners. This loan workout plan is called HAMP-and President Obama is encouraging all borrowers to contact their lender to apply. How do you know if you might be eligible for a loan modification with your lender? Here is some helpful information and tips on how to apply and qualify for a loan workout.

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Why lenders offer a mortgage loan modification:

First, you need to understand that lenders are not obligated to offer a mortgage loan modification. Basically, they will offer this option if it is in their best interest to do so. Meaning that you bank will take whatever action costs them the least amount of money. Because of the sharp decline in home values, many times it is cheaper for the bank to modify the loan terms of qualified homeowners instead of foreclosing on the home. If you can convince your lender it is in their best interest to keep you in the home, you have a very good chance at getting a loan modification. But, just how do you do that?

How to apply for a mortgage loan modification:

When you apply for a mortgage loan modification you will be asked to complete some application forms. The information you provide on these forms is critical to whether you get approved or not. If you show the lender plainly, in black and white, that you are qualified and that you will be able to afford and maintain the new modified payment, you have a good chance of success. Your lender will look at your ability to pay, and they will also consider your homes current market value as opposed to the loan balance. If you owe close to or more than your homes value, your lender will probably save more money by keeping you in the home under modified loan terms.

You will have to submit:

Financial statement Hardship Letter/Affidavit Proof of income and assets

The meat and potatoes of your loan workout application is your financial statement. This is a breakdown of your monthly household income and expenses. Based on this information your lender will be able to decide if you meet the qualifications for approval. It is critical to prepare your budget ahead of time so that you have the best chance of success. There is an easy to use software program that mimics the federal guidelines-simply input your own information and it will do all the calculations for you. That way you know where you may need to make adjustments-before submitting your application to your bank.

How to qualify for a mortgage loan modification:

Successful mortgage loan modification candidates will be able to prepare and submit a complete and accurate application package to their lender. This means that all of your forms are completed correctly and meet your banks guidelines for approval. You have included all of the documentation the lender needs to see the first time so that your file will move through the system quickly. Incomplete files will be set aside and not worked on- and the answer you need will be delayed. Do you know how to prepare your forms so that you have the best chance of approval? Do you know all of the documents you should send to your lender to avoid delays? It's not hard to learn what you need to know. Make sure you are prepared before you contact your bank.


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