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.

Monday, June 9, 2014

Loan Modification Help - The 3 Critical Steps to Approval You Should Know


Stuck in an unaffordable mortgage and worried about losing your home? Help is available if you know how to get it. The new federal loan workout plan, HAMP, has standard guidelines for approval that you must be able to meet. Learn the basics so that you have the best chance of success. Here are 3 critical steps to approval with your lender to get the lower payment you need and deserve. Read this to make sure you are prepared before calling your lender-you have a one-time chance at getting a loan modification, so you don't want to make any mistakes.

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Loan modification step #1: You must explain to your lender why you need and deserve help. You do this with a hardship letter-this is a brief but descriptive account of your financial hardship. This is where you tell your bank about the circumstances that surround your inability to pay the current payment, what changes you have made to your budget so you can afford to pay a new modified payment, and your strong commitment to stay in your home. You want to gain the empathy and understanding of your bank so they will be motivated to help you. There are 3 critical elements in an acceptable letter, do you know what they are? You should also include some important trigger phrases-one of them is "imminent risk of default"-learn the others so you can include them in your letter.

Step #2: Work on your budget or financial statements. In order to convince your bank that you are a qualified candidate, they will ask to see an detailed accounting of your monthly income and expenses. You will complete a form that lists your monthly bills and your monthly income so that the bank can verify you will be able to afford to stay in your home if given the loan modification. A central part of this budget is the new target payment-this is the modified payment that you are asking for. Do you know how to calculate your ideal target payment? You can use a software program designed specifically for homeowners that will do all the calculations for you. Simply input your own monthly income and expenses and all the figures are done automatically. You can then make any minor adjustments to your budget so that you know you fit into the approval guidelines.

Loan modification step #3: Gather all of the documents together that your lender will need to review so that you submit a complete, accurate and legible loan modification package. Check and double check that your forms are correct and you have attached everything the bank will need to see. Remember the lender will have thousands of applications and only those that are prepared correctly will get reviewed quickly and have the best chance of approval. Why take chances when your home and financial future are on the line? Banks now must respond to homeowners within 30 days of receiving a complete application package-so you can greatly speed up your turn around time if you do your homework and send in a complete application the first time.

Don't be overwhelmed-take it one step at a time and you can get the loan modification help you need from your lender. The federal government is paying banks to modify loans now-so as long as you can meet the approval requirements your lender is highly motivated to help you stay in your home. Take advantage of the tools and resources available to help homeowners succeed.All you have to do is take the first step-start today to get the lower payment you need.

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