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.

Tuesday, April 1, 2014

Loan Modification For Second Loans With Obama's Federal Program

Do you have a first and second loan on your home? Having trouble making the mortgage payments due to a financial hardship? The federal bailout for borrowers now offers a program to help those facing imminent default. Homeowners facing financial hardship may qualify for help on their second mortgages with the federal loan modification plan enacted by President Obama. The very aggressive loan workout program is aimed at reducing mortgage payments so that borrowers can avoid foreclosure and stay in their homes. This plan is extended to include second trust deeds. If you have a second mortgage, here is some helpful information on how to apply for a loan modification using this program.

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This is a voluntary program, but most lenders are expected to be participating. The Treasury Department will pay banks up to $1500 for each qualified mortgage that is modified under the program. That is a big incentive to get the lenders to offer help to desperate homeowners. In addition, borrowers will be paid-for-success under this plan. Eligible homeowners will receive $500 upfront and $250 for three years as long as they do not re-default. This bonus payment will be credited towards the loans outstanding balance.

A loan modification on a second loan under the federal plan could include lowering the interest rate to 1% for five years to achieve an affordable and sustainable payment. The government may subsidize part of the participating banks losses caused by the new loan terms. Another option under this federal loan workout involves paying the bank that holds the second lien up to 12 cents on the dollar to retire the debt. This will be at the banks sole discretion and is not mandatory.

Homeowners who have lost a lot of value due to the housing downturn may be offered a loan workout that includes forgiving or deferring a large chunk of their second loan balance. Many homeowners who are underwater are simply deciding to give up their home-adding to the mounting foreclosure problems. The idea is to encourage borrowers to keep making payments by helping to reestablish a more equitable position on their home loan. Although not everyone will be given this option, it is being offered more frequently. Be sure you contact your second trust deed holder to inquire about the possibility of forgiven or deferred principal.

Interested homeowners will be asked to prepare a loan modification application and provide evidence of a financial hardship situation. A determination will be made based on this information, and qualified homeowners will be eligible for this aggressive program. A successful borrower will be able to submit a complete and accurate application that meets the requirements for approval. Make sure you understand how to prepare your paperwork before contacting your lender. Trying to prepare your own accurate and acceptable financial statement can be frustrating and confusing. Take advantage of the new Loan Mod Quick App software program to help you with your application. SImply input your own financial information and the software will do all the calculations for you. Why take chances with your home? A new lower payment could be the solution you need to stay in your home-make sure you take the time to do it right.

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