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.

Wednesday, March 19, 2014

Why a Loan Modification Can Be Turned Down - Don't Make These Mistakes!

It can be scary when your home is on the line and you need to ask your bank for help. A loan modification could provide you with a lower payment and help you to keep your home. So, if you know some of the important approval guidelines then you will be better equipped to provide your bank with the information they need from you in order to approve your application.

Just as importantly, you need to know what causes a loan modification to be turned down and why some homeowners are approved while others-while also deserving-are denied. It's not magic or rocket science, but there is an actual formula that bank use when determining which homeowners qualify for one of the federal loan workout plans. Especially the stimulus plan called HAMP-this program offers standard guidelines for approval-so it just makes sense to learn those guidelines and be prepared to fine tune your application accordingly.

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What will cause a loan modification application to be turned down? Here are a few pitfalls to avoid:

Do not overstate or understate your income. Everything you put on your financial statement must be proven. So, if you have income that is paid in cash, make sure you deposit that into your bank account so that you have a paper trail to prove it. Accurately account for your monthly bills-the bank will check your debts by pulling a credit report so be sure you include everything that will show up. Only show the minimum payments due on your credit cards-even if you sometimes make a bigger payment. Work on your financial statement before you call your bank-you need to have the chance to fine tune your numbers and be certain that your application demonstrates your ability to afford the new modified payment. You want to get it right the first time-so taking the time to prepare your application ahead of time can be the difference between approval and denial!

A loan modification can be turned down for many reasons, and some of those reasons are out of your control. Remember, your bank will always choose the option that will save them the most money. So, if they can lose less money by foreclosing instead of modifying your loan, that is what they will do.

Homeowners can increase their chances of a successful loan modification by doing their best to prepare an accurate, acceptable and complete application. This means that your debt ratio, new target payment, disposable income and the other qualifying triggers have been calculated ahead of time to prove in black and white that you meet the guidelines. This calculation may be confusing if you have not done it before, so you may want to use a software program designed just to help homeowners.

You can avoid the pitfalls of loan modification denial by using the Loan Mod Quick App software to make certain that your figures are accurate. Also, you will see immediately if you need to make any adjustments to your budget in order to qualify-before your bank has the chance to turn it down. If you know the guidelines, use those same guidelines and prepare your loan modification application correctly, you have a good chance of success.

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