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Financing Guides

There are all types of consumer financing. There are home purchase loans, mortgage refi, auto loans, student loans, credit cards and more. Before you apply, get educated.

Home loans include purchase mortgages, home refi and home equity lending. These loans are secured by the value of the your home asset

Auto loans for new and used vehicles. Student loans have both federal and private loans. Debt relief helps to reduce monthly debt payments.

The most common form of financing is credit cards. Learn how to use them wisely without going into debt.

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About Money

Determining which investments to make to grow your money these days can be a real challenge. Simple research into the available investment options is enough to drive you crazy as they are countless.

Career Planning

Saint Charles, or simply St. Charles, is a popular city in St. Charles County in Missouri State. The 2010 U.S Census Bureau estimated the city’s population to be 65,794, making it the 9th-largest city in the state of Missouri.

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Consumer Financing Issues

With prices on the rise, now may be the best time to purchase a new home. Before you put a deposit down on any home, though, it’s usually wise to first get preapproved for your mortgage loan (you should always closely examine its terms before accepting).

With prices on the rise, now may be the best time to purchase a new home. Before you put a deposit down on any home, though, it’s usually wise to first get preapproved for your mortgage loan (you should always closely examine its terms before accepting).

2020 has been an uncertain year for everyone. Recent college graduates, current college students, and high school students have had a particularly difficult year, from an unstable job market to having to rethink their plans for higher education.

College life is fun but not from the financial perspective, particularly if you don’t have a scholarship. Expenses are often high, whether it is about tuition fees, housing or additional activities.

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Consumer Financing Needs

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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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The Game of Life

You need a new car but also want to get a good deal. The only problem is figuring out how to accomplish that.

If you are like most people, you most likely put up more hours when you have a lot to do in a day. Yet at the end of the day, you still have items to tick off your to-do list and still feel unaccomplished.

You need a new car but also want to get a good deal. The only problem is figuring out how to accomplish that.

Choosing your further education is a huge, crucial step for your future. Not only do you want to seek the right degree course, but you also want to achieve it in an institution you can trust and enjoy.

It’s undeniable that social media presence plays a key role in the prestige and renown of any Australian business in 2018.

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About Home

The magic number for a home down payment is 20%. But coming up with a 20% down payment can be difficult when you don’t know exactly how much the home will cost until you find it.

Fortunately, there are several tips that can be followed that could help you to save money when you are trying

The magic number for a home down payment is 20%. But coming up with a 20% down payment can be difficult when you don’t know exactly how much the home will cost until you find it.

Working from home is a double-edged sword. It can be a complete blessing to wake up and start your computer while you’re still in pyjamas, or an absolute curse when it comes to productivity. How can you grasp the best of both worlds and effectively indulge in work from home?

One of the best ways to help a buyer connect with your home is to stage the house. Staging helps give your home a well-kempt and elegant look.

Moving can be extremely stressful, but it doesn’t have to be expensive. Start as soon as you know that it’s time to relocate and start sorting what to move, what to sell, and what to donate.

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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

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Consumer Tips

One of the easiest ways to come up with cash in a pinch is to look around your house for old and unused items.

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