Consumer Financing Issues

But in reality, there are many variants of credit cards, and it may be worth exploring the right options to

But in reality, there are many variants of credit cards, and it may be worth exploring the right options to

You may be buying your first home and feel overwhelmed by the technical language of the real estate industry. Or

Loan officers are frequently hired by banks, mortgage companies, and other finance companies to provide consumer and business loans to

Should older students max out financial aid? Or pay as much as possible out of pocket? For students returning to

renovation note

Consumer Financing Needs

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Current Lending Rates
get lending rate shopping sheet

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What's Need to Qualify for Financing
Lenders use several criteria to qualify an applicant for home or financing financing. The most important criteria include:
1) the home/or auto appraisal:
the appraisal is the value of the asset (home or auto) that is being financed. You can borrow up to the appraised value of the home or auto.
Get your home valuation report
2) your credit rating:
your credit report is used by banks and other lending institutions to determine your credit worthiness. The report can be a factor in a lending institution's decision to approve or decline your application. You should review your credit report for any errors before applying for a loan.
View your credit report
Get your FICO score
3) your capacity to repay (income ratios):
lenders analyze two ratios when qualifying the applicant for financing - the "housing ratio" and the "debt-to-income" ratio. If these ratios are too high, you may not qualify for financing.
Calculate your income and debt ratios
Calculate how much you can afford
4) your employment:
lenders like to see applicants in good, steady employment. Lenders will verify your income with your employer or your filed tax statements.
Look for new employment if necessary

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Managing Your Credit

Or some people will tackle credit repair by filing bankruptcy, which defeats the purpose and will hold you back from

Taking Care of Debt

Both bankruptcy and a consumer proposal are legally binding actions and must therefore be filed exclusively by a licensed insolvency


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About Home

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Bright And Bold If you are energetic enough, try injecting the bold and bright colors in your living space to

Below are four tips to help make selling your house go more smoothly. Price Matters Pricing matters to both you

renovation note

Life-Event Centers

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Helping You Make Life Decisions
For Education (open new win)
College Planning Center
College Campus BLOG
College Financial Aid

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Helping You Make Life Decisions
For Education (open new win)
Home Remodeling / Home Improvement
Home Construction / Building
Home Buying
Home Selling

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Helping You Make Life Decisions
For the Auto-Travel-Business (open new win)
Auto Buying
Making Travel
Buying a Business

end renovation note

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