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.

Saturday, April 5, 2014

Obama's Stimulus Plan and a Do it Yourself Loan Modification - Learn the Steps to Success

Confused about the best way to get an affordable mortgage so you can stay in your home? Is a do it yourself loan modification possible under Obama's stimulus plan, called HAMP or Home Affordable Modification? The fact is that with this new federal program, it is easier than ever to get the help you need to modify your home loan into affordable payments. The key to success is to learn about the federal approval guidelines and prepare your application before contacting your lender. Here are some simple steps you can take to make sure you have the best chance of success.

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Learn the criteria for approval before completing your loan modification application paperwork. It's pretty hard to qualify for something unless you know what the guidelines for acceptance are. Learn the basics and then tailor your application so that it fits those guidelines. There is a standard 4 step formula that is used to decide if you qualify-you can use this very same formula with the help of a software program designed just for homeowners that mimics this very same program. Gather all of your documents and forms together so that you have everything at your fingertips. Being organized and prepared will give you the confidence to call your lender and will reduce the chance of saying the wrong thing when speaking with your bank. Use a document checklist and stacking order guide so that you are certain your have provided your lender with a complete and acceptable loan modification application the first time. There are certain forms and documents your bank must see to review your file. Millions of homeowners just like you are trying to get a loan workout, keep your file at the top of the stack and avoid delays by submitting a complete file. Follow up once you submit your file to make sure it has been received, and then call every 5 days to check on the status. Even if your bank says it will take longer to get back to you, don't wait for them to call you. Being proactive and persistent is the biggest key to success.

The truth is that qualified homeowners will be offered a loan modification under Obama's stimulus plan, or HAMP. You must prove to your bank in black and white that you are qualified and make it easy for them to quickly approve you by providing everything they need to see from you all at once. The approval guidelines are standard for everyone-either you qualify or you don't. When you work on your loan modification forms ahead of time you have the chance to make any adjustments necessary to assure that you meet the guidelines.

The software for homeowners makes it easy-simply put in your own income and expenses and it does all the calculations for you and you see immediately if you need to make any adjustments to qualify. If you are unsure about how to figure your debt ratio, new target payment, disposable income or any of the other qualifying criteria, take advantage of this computer program. Avoid mistakes and complete your financial statement right the first time for the best chance of quick approval. It just makes sense-learn, prepare and then apply.

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