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.

Monday, April 7, 2014

Loan Modification Forms - Tips to Complete Them For Quick Approval

A federally subsidized plan is aimed at offering low, affordable mortgage payments to almost 5 million homeowners at risk of losing their homes. Funded with $75 billion in stimulus money, this government loan modification is called Home Affordable Modification and has already helped over 250,000 borrowers get relief and save their homes. Find out how you can apply and perhaps qualify for this aggressive program.

Unfortunately, not all homeowners will qualify for a loan modification program with their bank. Each loan is reviewed individually, and a determination will be made if that loan modification application qualifies for help. If you are interested in applying for assistance, here are some tips to keep in mind when you are completing your loan modification forms:

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Borrowers must demonstrate a financial hardship to qualify for loan modification assistance. Job loss, medical or illness expenses, death of family member, divorce/separation, job transfer, military duty, incarceration are some acceptable hardship situations Compose a brief but compelling Hardship letter explaining your circumstances to the lender, along with what has been done to assure you will be able to pay the new payment now and in the future and your commitment to home ownership-make sure you include a few trigger phrase to get your lenders attention-do you know what these are? Carefully complete the required Financial statements-these give the lender a snapshot of your current financial situation by itemizing your income and expenses. Do not leave anything out-your bank will compare these with your credit report and bank statements for accuracy. Any omitted items could be cause for denial. TIP: determine your target payment-this is your goal-the new lower modified payment that will be affordable for you. Build your new budget around this target payment so that you know you can afford to pay it now and in the future. Do you know how to figure your target payment, debt ratio and disposable income? This is so important to your chances of approval-learn how before you submit your forms. Prove to your bank that the current mortgage payment is unaffordable, but if granted the loan modification agreement you will be able to pay and maintain the new, lower mortgage payment. Special Insider Tip: lenders want to be assured that you are not a risk for re-default-you will be able to prove that to your bank by indicating you will have some disposable income left over after you pay all of your bills-the trick is to not show too much or too little. A software program designed just for homeowners will show you if you are in line with this requirement-simply input your own income and expenses and it does all the calculations for you automatically. Provide the bank with your most recent paycheck stubs, W2, award letters, bank statements and tax returns. This is a full disclosure process so you must provide proof of all of your household income. Put it all together into a professional and acceptable application that your lender will accept by following a simple document checklist-don't leave anything out or your answer may be delayed.

Loan modification forms must be completed properly or even the most deserving borrower will be denied the help they need and deserve. Once you have a good, general understanding of what the loan modification requirements are, you will be able to complete the forms properly and have a very good chance of getting the loan modification agreement you want. You can save hours of frustration and take the guess work out of completing your application by using a software program that mimics the approval guidelines. You will see immediately if you need to make any adjustments to your figures in order to fit the approval guidelines. A knowledgeable homeowner is a powerful homeowner-so make the decision to research, learn and prepare and start to today on the path to secure home ownership again. It;s not hard-you can do it yourself once you learn the basics.

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