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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.

Monday, April 14, 2014

How Government Loan Modification Works

How does a government loan modification work and what are the steps to apply and qualify for assistance. The Treasury Department has set up a stimulus program that aims to lower the mortgage payment for homeowners who are facing financial difficulties and need help to stay in their home. Here are the basics of how the plan works:

Government Loan Modification Requirements:

You must live in the home as your primary residence Loan must have been initiated before 1/1/2009 and be less than $729,750 Current payment must be more than 31% of gross monthly income and you are facing a financial hardship situation

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There is a standard formula mandated by the government that all lenders use to determine if a homeowner is eligible for a loan workout. In addition, there is a standard method used to modify the terms of qualified borrowers.

Government Loan Modification Method of Modification:

Reduce interest rate to as low as 2% Lengthen the loan term to 40 years Either forgive or defer some principal balance to reach the target payment

In order to participate in this program, you will be asked by your lender to submit some paperwork. The loan modification forms that are required are then reviewed and the information provided will be used to determine if the homeowner fits into the standard approval formula. Since a mathematical formula is used to qualify, borrowers can use this same formula to help them check their own budget to make certain that they fit into the guidelines for approval. A software program is available that actually mimics the very same formula used under the government loan modification and does all the calculations automatically. Accurate and acceptable financial statements are critical to approval.

The government plan is funded by stimulus money and is available for a limited time. Interested homeowners need to contact their lenders quickly to take advantage of this assistance. After all, it is paid for by tax payers money and deserving borrowers need this help to avoid foreclosure. Banks are being paid by the government to offer loan workouts, and homeowners will also be paid $1000 annually for successfully maintaining their new payments.

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