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.

Cash Loans: "We Search 100+ Lenders Money in Your Account Next Day"

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.

Sunday, April 27, 2014

HAMP Loan Modification Approval in Just 30 Days - How It's Done

Homeowners can stop wasting time and actually get an answer to their HAMP loan modification in just 30 days by following the federal procedure. Most borrowers have experienced the frustration of dealing with banks who have been less than helpful to applicants, and have faced months of months of delays while trying to hold off foreclosure.

The HAMP application procedure is streamlined so that now when a borrower applies for a loan workout their application will be reviewed quickly and an answer provided within a prescribed time frame. However, the homeowner must follow these steps in order to ensure a rapid and positive response:

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Within 10 days of receiving a request for consideration of a loan modification, lenders will acknowledge the request and provide the homeowner with application instructions. Homeowners must complete their financial statement correctly, provide 2 most recent paycheck stubs, a signed 4506T form and a hardship letter. Lenders must provide an answer-either the homeowner qualifies or not-within 30 days of receiving a complete loan modification application package. If approved, the borrower will be given a 3 month trial payment, and upon completing all 3 payments on time the workout will become permanent. No more re-applying or updating of information. If the homeowner does not qualify or defaults during the trial period, other options may be offered-short sale or deed in lieu of foreclosure. So, it is possible to get your answer within just 30 days-but it is the homeowners responsibility to make certain that their paperwork is accurate, acceptable and complete. If an application is missing documents or filled out incorrectly, the the homeowner must provide the requested information within the due date or risk losing their chance at a loan modification.

The HAMP approval guidelines are fairly simple-your debt ratio, new target payment, asset ratio and other calculations are all part of the approval formula. If you are not certain how to prepare your financial statement correctly, you may want to use the software program designed just for homeowners. The Loan Mod Quick APP will do all the crucial calculations for you automatically. You can avoid mistakes, save hours and be confident that your paperwork is correct. The key to a 30 day loan modification is an accurate and acceptable application-do it right the first time.

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