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.

Saturday, May 24, 2014

11 Quick Facts About Loan Modification Services

With a declining housing market many people are faced with tough financial choices and foreclosure is becoming a frequent worry. Loan modification services offer help to those who want to keep their homes be are having trouble with current payments.

Here are 11 quick facts everyone should know about the modification process

1. Loan modification is an agreement created in lieu of foreclosure between a lender and a borrower who experiences inability to make their existing mortgage payments.

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2. A modification can be in the form of interest rate reductions, loan term extensions, developing a new loan or a combination of the three.

3. Loan modifiers act as a liaison between the the lender and the borrower to form an agreement that is beneficial to both parties.

4. Loan modification can effectively stops the foreclosure process and protects credit history.

5. In many cases it costs the banks less to work with borrowers and modify their loan than it does to foreclose and sell the property at deflated rates. This makes many banks receptive to negotiations and willing to participate in modification.

6. There is a possibility of reversing the process until a foreclosure sale of the property occurs. However it is important to note that the sooner you contact someone for help the easier it makes the process.

7. Modifying a loan is not the same as refinancing one. Refinancing a loan is essentially starting the loan process over again, which can result in new closing & legal fees, appraisals and taxes. Whereas loan modification takes your existing loan and modifies it to achieve a fixed rate and to better suit the borrowers financial circumstances.

8. Depending upon your stage of foreclosure, your financial position and the lender itself, it can take anywhere from a week to 6 weeks to complete the modification process.

9. To be a qualified applicant you must own and occupy the property and the loan must be dated before Jan 1 2009 & have less than the following amounts in principal still to be paid:1 Unit - $729,750 2 Units - $934,200 3 Units - 1,129,250 4 Units - 1,403,400
10. Documents you may require to complete the loan modification process include:
Federal Income Tax Returns & Schedules for the last two years Bank statements for the last year Payroll stubs for the last year Lender statements for the last year Homeowners insurance certification Any relevant letters of correspondence with lenders Any relevant letters of correspondence with attorneys A record of monthly expenses for the past 6 months
11. The mortgage industry is suspect to most Americans right now, and there will always be individuals and companies looking to exploit the resulting problems for homeowners & borrowers. Beware of companies who look to make a profit from your situation, hiring a seasoned lawyer to handle the process is prudent and ensures the process is completed within the law.

A Little Help
These are just a few quick facts to get people started. We have entered uncertain financial times and more and more people are facing foreclosure on their homes. There are options that won't destroy your credit.

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