INSIDER SECRETS TO BUILD BUSINESS CREDIT AND FINANCING

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Author :
Publisher : Lulu.com
ISBN 13 : 0359930662
Total Pages : 74 pages
Book Rating : 4.3/5 (599 download)

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Book Synopsis INSIDER SECRETS TO BUILD BUSINESS CREDIT AND FINANCING by : Krishna Mohan

Download or read book INSIDER SECRETS TO BUILD BUSINESS CREDIT AND FINANCING written by Krishna Mohan and published by Lulu.com. This book was released on with total page 74 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Secret of Business Credit

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Author :
Publisher : Independently Published
ISBN 13 : 9781793268419
Total Pages : 117 pages
Book Rating : 4.2/5 (684 download)

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Book Synopsis The Secret of Business Credit by : Charles Eisnnicher

Download or read book The Secret of Business Credit written by Charles Eisnnicher and published by Independently Published. This book was released on 2019-01-06 with total page 117 pages. Available in PDF, EPUB and Kindle. Book excerpt: It is estimated that over 90% of the business population knows nothing about business credit. As a result, many business owners use their personal credit for business purposes at great consequence. Over 50% of businesses today fail, and with most of those businesses the business owner used their personal guarantee for their business debt, costing them their family's entire life savings and personal assets. With this book in your hands, you are about to become a business credit master. You will know exactly how to build business credit scores and a business credit profile for a business. With this business credit profile built you and your business can obtain large amounts of credit and funding for your business without having to supply a personal guarantee and being personally liable for your business debts.I have helped clients improve their personal credit, build business credit, and qualify for financing. I have had the opportunity to witness loans get underwritten and seen first-hand how lenders make their lending decisions. I have helped consumers build, and repair personal credit to qualify for lending. And I have helped business owners obtain hundreds of millions of dollars in funding. I have dedicated more than a decade to learning everything about how creditors and lenders do business.That knowledge has helped create one of the most advanced business credit building systems in existence today. This system has been used to help business others obtain funding and build business credit for their businesses. These unique business credit building methods are also taught at the largest credit conventions in the nation to other credit firms. And now this book will give you the knowledge and power to fight and win the business credit battle. This book is designed to give you a step-by-step process of understanding how to build credit and obtain funding for any business. You will be learning first to understand the business credit system itself, then to know what lenders are looking for in order to approve a business for credit and funding, and, finally, you will learn where to go to secure funding for your business and know about the types of funding available today. Your business can have an excellent credit score and qualify for credit and funding without you having to offer a personal guarantee. This book will show you how.

The SBA Loan Book

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Author :
Publisher : Simon and Schuster
ISBN 13 : 1440510024
Total Pages : 178 pages
Book Rating : 4.4/5 (45 download)

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Book Synopsis The SBA Loan Book by : Charles H Green

Download or read book The SBA Loan Book written by Charles H Green and published by Simon and Schuster. This book was released on 2010-12-18 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt: Spurred by President Obama, the Small Business Association has stepped up its loan program to companies around the nation. But to receive an SBA-guaranteed loan, firms must navigate a complex course of processes, qualifications, documentation, and approvals. You need this new edition of Charles Green's invaluable book to chart the best way to apply for and get an SBA loan. Green wastes no time in showing: Why an SBA loan guarantee is a good option in tough economic times How to choose the right bank at a time when many banks have failed and credit is tight What the new rules and regulations say about the paperwork and documentation loan applicants must supply In today's turbulent economic climate, solid financial backing is the key to small business survival. And this fully updated guide to SBA loans will help you land it.

The Virtual Handshake

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Author :
Publisher : Amacom Books
ISBN 13 : 9780814472866
Total Pages : 292 pages
Book Rating : 4.4/5 (728 download)

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Book Synopsis The Virtual Handshake by : David Teten

Download or read book The Virtual Handshake written by David Teten and published by Amacom Books. This book was released on 2005 with total page 292 pages. Available in PDF, EPUB and Kindle. Book excerpt: Online social networks such as LinkedIn, blogs, and Meetup have enjoyed phenomenal growth in the past year. They are among many new social software tools in an arsenal that also includes virtual communities, social network sites, and much more. The Virtual Handshake is the roadmap to a dynamic (and lucrative) online arena that is fast becoming the crucial relationship-building environment for serious professionals. Filled with clear, real-life examples, The Virtual Handshake shows readers how to: * attract business in online networks * meet more relevant senior people * start and promote a blog * analyze and value their social network * use web conferencing and discussion forums to build awareness * manage their contact databases * ensure privacy and safety For professionals whose businesses rely on a constant flow of new opportunities and contacts, The Virtual Handshake is a practical and vital resource." "

How to Get a Business Loan

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Author :
Publisher : Simon and Schuster
ISBN 13 : 1451602847
Total Pages : 294 pages
Book Rating : 4.4/5 (516 download)

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Book Synopsis How to Get a Business Loan by : Joseph R. Mancuso

Download or read book How to Get a Business Loan written by Joseph R. Mancuso and published by Simon and Schuster. This book was released on 2010-07-06 with total page 294 pages. Available in PDF, EPUB and Kindle. Book excerpt: Joseph Mancuso means business. He takes you into your bank and into the offices of America's venture capitalists for an inside look at how they work and what they expect from prospective borrowers. He tells you exactly what actions to take every step of the way and how to distinguish yourself in the lender's eyes. How to Get a Business Loan will dramatically enhance your chances of putting together a deal you can live with and profit by.

Understanding Credit

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Publisher : Simon and Schuster
ISBN 13 : 1422296296
Total Pages : 106 pages
Book Rating : 4.4/5 (222 download)

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Book Synopsis Understanding Credit by : Helen Thompson

Download or read book Understanding Credit written by Helen Thompson and published by Simon and Schuster. This book was released on 2014-10-21 with total page 106 pages. Available in PDF, EPUB and Kindle. Book excerpt: Money can be a source of conflict in almost any relationship, whether with your family, friends, or your girl or boyfriend. Whether you have it or you don't, money can stir a wide range of emotions but it's important not to confuse an emotional issue with a financial one (or vice versa). Learn all this and more in Money and Relationships.

How to Get Credit and Loans

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Publisher :
ISBN 13 : 9780961811402
Total Pages : 194 pages
Book Rating : 4.8/5 (114 download)

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Book Synopsis How to Get Credit and Loans by : Christopher James

Download or read book How to Get Credit and Loans written by Christopher James and published by . This book was released on 1987 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Personal Finance 2 Books In 1

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Author :
Publisher : Jake Robbins
ISBN 13 :
Total Pages : 142 pages
Book Rating : 4./5 ( download)

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Book Synopsis Personal Finance 2 Books In 1 by : Jake Robbins

Download or read book Personal Finance 2 Books In 1 written by Jake Robbins and published by Jake Robbins . This book was released on 2021-07-12 with total page 142 pages. Available in PDF, EPUB and Kindle. Book excerpt: Debt Free Blueprint Have you found yourself in this position before? You work hard; you think that you are doing right by your money, yet there never seems to be enough? Does your money just up and leave you? Take it from me. I truly understand what it means to look at your bank account and have that sinking feeling in the pit of your stomach. You may be looking at my credentials thinking, "What does this guy know about the pain of watching your hard-earned money flow right out of your pockets?" I can assure you that I have been in your shoes. You’re no longer a slave to bad debt. Student loans, your mortgage, car loans, and credit card debt are all in the past. Creditors aren’t bothering you. You finally have enough cash to pay for necessities every month and can afford some fun stuff, too. You can give money to causes that are important to you, and help out your loved ones when they need you. Your net worth is growing, and your sense of financial security gets better every day. You simply don’t have to worry about money anymore. Well, guess what? All of that can be your reality. You have the power to make that happen. And here’s the thing - it isn’t as hard to accomplish as you may think. It begins here, with one simple thing that will completely transform your finances, now and forever. You get rid of your debts, transform your finances, and use the money that’s been freed up to build your wealth. You’re about to see simple ways to get rid of the bad debts that are ruining your cash flow. Credit Repair Secrets Do you realize your credit score? You should. A credit score can decide your qualification for the nuts and bolts of life. Your credit rating influences your capacity to buy a home, land a decent financing cost on advances, and even find a new line of work. It speaks to the danger of non-installment that you present to a moneylender. Generally, credit scores fit into any of five classes: excellent, awesome, great, reasonable, and exceptionally poor. Your credit card reports decide your credit score. If you have an "excellent" credit rating, you could wind up paying a much lower price on an obligation, because the apparent danger of your default is substantially less than that of an individual with a "reasonable" credit score. You will have practically zero issues getting an advance if your credit score is in any event great. Be that as it may, you can even now get credit cards for having reasonable credit. If you have an exceptionally poor credit score, you will most likely be unable to get advances. This guidebook will cover all of the tips and tricks that you need to know in order to get to know about credit scores. There are likewise different organizations that offer free credit score reports. However, you need to pursue a free time for testing, after which you will start to pay for the administration. You can utilize these administrations if you are worried about wholesale fraud, or when you are building your credit profile and you have to screen your advancement. If your requirement for a credit card score is easygoing, you don't have to leave behind month-to-month expenses to pay for an observing help. You need to have the best credit score with the goal that your procedure of acquiring an advance can be smooth. You will likewise appreciate lower paces of enthusiasm as your credit rating goes up. Different advantages of a superior credit score are being at risk for lower regularly scheduled installments.

How to Get Business Credit and Funding Using Ein and Without Using Your SSN Or Personal Collateral

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Author :
Publisher :
ISBN 13 : 9781731208545
Total Pages : 132 pages
Book Rating : 4.2/5 (85 download)

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Book Synopsis How to Get Business Credit and Funding Using Ein and Without Using Your SSN Or Personal Collateral by : Ty Crandall

Download or read book How to Get Business Credit and Funding Using Ein and Without Using Your SSN Or Personal Collateral written by Ty Crandall and published by . This book was released on 2018-11-16 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book reveals the secrets that the rich and power have used to obtain unlimited unsecured business funding solely based on the business EIN and that is not linked to personal social security number or guaranteed with personal wealth. The rich and powerful accomplish this by leveraging their exceptional business credit profile and high credit score. This book will show you how you can paint your business credit profile masterpiece that will get you approved for hundreds-of-thousands of dollars in revolving credit cards and credit lines to fund real estate deals or for business operations without a personal guarantee. To get started purchase a copy of this book and get approved for more money than you have ever imagined and begin your journey to financial freedom. You can also submit your contact information at www.kabinga.us under financing section to get 0% APR business loans and lines of credit financing if you need business funding.

Your Credit Score

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Author :
Publisher : FT Press
ISBN 13 : 0132823497
Total Pages : 241 pages
Book Rating : 4.1/5 (328 download)

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Book Synopsis Your Credit Score by : Liz Pulliam Weston

Download or read book Your Credit Score written by Liz Pulliam Weston and published by FT Press. This book was released on 2012 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: Your Credit Score, Fourth Edition thoroughly covers brand-new laws changing everything from how your credit score can be used to how you can communicate with collectors.

33 Ways To Raise Your Credit Score

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Publisher : TCK Publishing
ISBN 13 : 1631611402
Total Pages : 41 pages
Book Rating : 4.6/5 (316 download)

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Book Synopsis 33 Ways To Raise Your Credit Score by : Tom Corson-Knowles

Download or read book 33 Ways To Raise Your Credit Score written by Tom Corson-Knowles and published by TCK Publishing. This book was released on 2013-01-10 with total page 41 pages. Available in PDF, EPUB and Kindle. Book excerpt: A concise collection of easy things you can do to boost your score. This life-changing guide is written in plain English without jargon or confusing language—just easy-to-implement action steps to help you dramatically increase your credit score (without spending a dime). Find out about: How To Instantly Improve Your Credit Score By 20 To 30 Points: Just one tip in this book could help you raise your credit rating right away—and when combined, the strategies could help you go from bad credit to excellent credit. Credit Repair Made Easy: No matter how bad your credit is right now, you can repair it with strategies for removing illegitimate and bad marks from your credit report. How To Get a Free Credit Score Without Any Hassle: Many companies claim they’ll give you a free credit score—then try to charge a large one-time fee or ongoing membership fee for access to your credit information. But there is one website that gives you your score 100% free without trying to sell you anything, and even provides free email alerts when anything new pops up on your credit report so you can take care of it right away. How To Get A Huge Discount On Your Mortgage Rates: Following the steps in this guide, you could save thousands a year in interest on your mortgage, auto loans, and other payments. How To Save As Much As $500 On Your Cell Phone Plan: With the good credit history you build, you could save as much as $500 on your next service plan. Better Rates On Car Insurance And Auto Loans: Get much cheaper rates with your new, higher credit score, and avoid getting taken advantage of by shady finance companies. The Ideal Number of Credit Cards: Did you know there’s a “secret number” of credit cards you should have to maximize your credit score? You’ll also learn how to get huge discounts on credit card rates and fees with a five-minute phone call—plus more tips and techniques to get you in healthy financial shape.

The SBA Loan Book

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Author :
Publisher : Adams Media
ISBN 13 : 9781593372897
Total Pages : 0 pages
Book Rating : 4.3/5 (728 download)

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Book Synopsis The SBA Loan Book by : Charles H Green

Download or read book The SBA Loan Book written by Charles H Green and published by Adams Media. This book was released on 2005-06-01 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The SBA Loan Book, 2nd Edition provides you with step-by-step instructions on how to maneuver through the complex maze of eligibility, qualification, and approval needed to get SBA financing. This edition includes the most up-to-date information on policy changes including Revision E, the 504 program, and the SBA Express program. The SBA Loan Book, 2nd Edition gives you answers to your most important questions, including how to: Increase your chances of getting a loan Fill out a loan application Present yourself to lenders Consider your options for SBA-guaranteed loans Close your loan fast In addition, you'll learn how to appeal a lender's denial, as well as how to approach a loan request if you've previously filed bankruptcy. The SBA Loan Book, 2nd Edition also includes the latest resources and forms. AUTHOR: Charles H. Green is a vice president with Sunrise Bank, one of the leading SBA lending banks in the nation. He has appeared on CNN, CNBC, and Bloomberg Business News. He lives in Atlanta, GA.

The Smart and Easy Guide to Loans: the Complete Guide Book to Your Credit Score, Home Financing, Mortgages, Car Loans, Student Loans, Credit Repair, Credit Cards and Payday Loans

Download The Smart and Easy Guide to Loans: the Complete Guide Book to Your Credit Score, Home Financing, Mortgages, Car Loans, Student Loans, Credit Repair, Credit Cards and Payday Loans PDF Online Free

Author :
Publisher : CreateSpace
ISBN 13 : 9781493558476
Total Pages : 52 pages
Book Rating : 4.5/5 (584 download)

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Book Synopsis The Smart and Easy Guide to Loans: the Complete Guide Book to Your Credit Score, Home Financing, Mortgages, Car Loans, Student Loans, Credit Repair, Credit Cards and Payday Loans by : Darryl Johnson

Download or read book The Smart and Easy Guide to Loans: the Complete Guide Book to Your Credit Score, Home Financing, Mortgages, Car Loans, Student Loans, Credit Repair, Credit Cards and Payday Loans written by Darryl Johnson and published by CreateSpace. This book was released on 2013-10-22 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial lending is what makes the world go 'round. We rely on loan providers to extend us lines of credit for a variety of reasons. From a mortgage, business loan, student loan for education or even a car loan, the bulk of our major purchases are bought on lines of credit. Today's world of finance is as confusing as ever before and getting a loan for the first time can see like a headache-inducing and daunting challenge. In The Smart & Easy Guide to Loans, we are provided with all the information we need to truly understand the lending process. From what we'll need before we even apply for a loan, the basics of the different types of common loans, as well as things to avoid, this guide provides accessible information that helps to simplify this complex process. The guide begins by laying out the information one will need to know before even applying for a loan. One will need an in-depth understanding of their financial situation - from debts to assets and income - so as to determine whether or not they will even be eligible for said loan. Outside of a detailed understanding of one's income and assets, financial standing is probably the most important element when applying for a loan. The guide discusses the importance of the credit report, which is used as a key determining factor in whether or not to extend someone a loan. When it comes to credit score, the guide recommends the following strategy: Obtain the credit report Check it for accuracy Determine the health of the credit score If the credit score needs improvement, create a plan of action towards paying off debts and raising credit score as fast as possible. Different Types of Loans and Eligibility Requirements Loans are extended for a huge number of reasons and one's eligibility depends on credit score, income and assets, as well as the type of line of credit being extended. The most common types of loans are mortgages, student loans, business loans, car loans and credit cards. Mortgages are home loans and, outside of business loans, are likely the largest line of credit one will apply for in their lifetime. This line of credit is one of the more difficult lines to obtain, as the size of the loans is so much greater than an auto loan or credit card. One must have a good credit score, strong financial standing and must be able to demonstrate the ability to effectively manage the terms of the loan. Student loans are often dependent on the financial history of the parent. However, some loans can be extended to students with little to no credit, as well as little to no income or assets. Car loans and credit cards are much more variable. The terms of lending often vary from car lot to car lot, or credit card company to credit card company. For the most part, consideration is given to credit score, income and assets, debt load and the price of the vehicle or the amount of credit extended. Loans and Financial Schemes to Avoid While credit does make these large purchases possible, they are not all good ideas. There are a number of financial schemes that are best avoided at all costs. Payday loans, or advances on one's paychecks, are a form of quick loan that often lead the borrower into a viscous cycle of excessive interest rates and a continued loan cycle. These are best to be avoided as the turnaround time on repayment is often incredibly short and the amount of interest charged on the loans is so dramatically inflated. Getting a loan is, for many, an incredibly confusing and even scary experience - but it does not have to be. With The Smart & Easy Guide to Loans, one is provided with all the information they need to understand the lending process, as well as how to determine their eligibility and what financial tools are best avoided. This guide arms readers with the knowledge to make informed decisions about their finances and secure loans for the big purchases in life, and to do so as affordably and simply as possible.

Credit Repair Kit For Dummies

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Author :
Publisher : John Wiley & Sons
ISBN 13 : 1119771064
Total Pages : 487 pages
Book Rating : 4.1/5 (197 download)

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Book Synopsis Credit Repair Kit For Dummies by : Melyssa Barrett

Download or read book Credit Repair Kit For Dummies written by Melyssa Barrett and published by John Wiley & Sons. This book was released on 2021-01-07 with total page 487 pages. Available in PDF, EPUB and Kindle. Book excerpt: Sensible ways to manage and repair your credit Need a credit makeover? You’re not alone: in the U.S., outstanding credit card and other types of revolving debt have jumped over 20% in the past decade, and millions of Americans are struggling with one or more credit-related issues. Whether you’re just working on improving your score or need some sound advice on how to make debt a thing of the past, the latest edition of Credit Repair Kit for Dummies is packed with reliable information for escaping the quicksand and taking the concrete steps needed to build up a solid score. There are many reasons why you might have a subpar credit score—mortgage and auto debt, student loans, impacts of disasters such as COVID-19, and even identity theft. This book covers these scenarios and more, helping you identify the reasons behind a lower score and providing you with straightforward, proven techniques for managing it back to where you want it to be. Also included are sample credit reports, forms, templates, and other helpful online tools to use to whip your score into decent shape. Add information to your report to beef-up a low score Avoid, reduce, and get rid of mortgage, credit card, student loan, and auto debt Keep a good credit score during a period of unemployment Fight back against identity theft A good credit score is always a great thing to have. This book shows you how to put even the worst credit situations behind you and make a poor score just a bad—and distant—memory.

How to Get a Line of Credit

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Author :
Publisher : BookRix
ISBN 13 : 3730985094
Total Pages : 71 pages
Book Rating : 4.7/5 (39 download)

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Book Synopsis How to Get a Line of Credit by : Noah Daniels

Download or read book How to Get a Line of Credit written by Noah Daniels and published by BookRix. This book was released on 2014-02-27 with total page 71 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this book, we will explore different reasons why some real people took out a line of credit and how it worked to help them. We will also talk about the difference between a line of credit, a home equity loan and a home improvement loan and why a line of credit works best for you. We will also talk about other ways that you can use a line of credit to help you as well as the difference between a secured line of credit and an unsecured line of credit. We will even discuss how business owners can use a line of credit to benefit them and their business. If you have ever wondered about different borrowing instruments and how they can work for you, you are in for a treat with this book.

Business Credit Leveraging

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Author :
Publisher : Pageturner Press and Media
ISBN 13 : 9781638710714
Total Pages : 116 pages
Book Rating : 4.7/5 (17 download)

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Book Synopsis Business Credit Leveraging by : Victor Allen

Download or read book Business Credit Leveraging written by Victor Allen and published by Pageturner Press and Media. This book was released on 2021-05-12 with total page 116 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book will help a person with a plan, yet funding caused everything to come to a complete stop. It will also help someone bridge the distance between ambition and destiny. I sometimes look at it as my bridge to fulfill my purpose in life. I feel that knowledge is power. So many people don't understand financial institutions. I feel I need to share the information with people to help someone. I found myself in this position after I graduated from college. I had a degree but no job. I had goals and ambition to get to that point in life. I just didn't understand how to get my plan funded past this point. I had 65,000 dollars in debt from loans in college, so my social security number was just a little over-leveraged. I had no idea what an EIN number was at the time. I realized I had an IT degree, but I needed a business financial mentor. This book explains what I learned over the next few years to drive my net worth over a million dollars. I have streamlined the process for people now: AllenRevenueSolutions.com. I have the entire process step by step for anyone in this position in life. Many people have a plan but can't get the money to get it started. I just simply want to help these people reach their goals, which I call their divine destiny in life.

Mortgage Loan Secrets

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Author :
Publisher : Independently Published
ISBN 13 : 9781095481004
Total Pages : 56 pages
Book Rating : 4.4/5 (81 download)

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Book Synopsis Mortgage Loan Secrets by : Janice Szur

Download or read book Mortgage Loan Secrets written by Janice Szur and published by Independently Published. This book was released on 2019-05-09 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt: Most buyers are unfamiliar with the process of getting a loan or mortgage and what it really takes to get approved. This is not only important for first time home buyers but experienced owners too. It may have been awhile since a current home owner has purchased a home and acquired a mortgage and the rules change constantly. Buyers get frustrated with all the paperwork and they feel like they are asked for the same items over and over and over again. Most buyers don't really know what buying power they have. I see both ends of the scale: people who feel they can afford twice as much as allowed, and others who could qualify for five times more than they want. Also, there are various loan programs with numerous possibilities, down payment options, and the types of lenders who are available. All these options can make your head spin. The industry is constantly changing, which can confuse a buyer. The questions I hear most often are: "What is the interest rate?" and "What is my payment?" Although both are very valuable questions, they are not necessarily the critical ones when it comes to getting a mortgage. Finding the ideal loan officer and loan program is crucial and critical in getting you through the preapproval stage, underwriting, a final approval and all the way to the closing table. As an experienced business owner and loan officer, I have read the thousands of pages of regulations, and studied the various loan programs, in order to help my buyers get into the right program, at the right time, and for the right reasons. When purchasing real estate, and obtaining a home loan or mortgage, there are so many variables that a buyer should consider. Financing your first home, second home or cottage, or investment property all require preparation on your part. Do I get an FHA, VA, RD or a conventional loan, or do I get what is called a non-qualified mortgage? Do I need to worry about PMI - and what exactly is that? Do I get a variable rate or a fixed rate? Does the length of time I plan on living in the house matter? Each state and local entity has some of their own costs and rules. After reading this book, you will have an understanding of what is needed, why you should work with a qualified and experienced loan officer, and be ready to breeze through the process and if prepared do it less than 30 days. I have even closed loans in 8 days. I will cover mortgage basics, what is a good credit score, and what are the four c's of getting a loan. What is the loan process, what is the difference between a preapproval and being prequalified. What documents will my loan officer need and what should I be doing while in process. What kind of money and where is it coming from will be discussed. What if I had some credit blips in the past, how long do I have to wait to buy a house? What options do I have for rates, length of loan and can anything change? Finally, what happens behind the scenes and what can I do now to get approved. My mantra is education, communication, and certainly having some fun along the way. Life is too short, so, you better enjoy what you are doing. Because of this, I have put together a helpful guide and reference material to assist you, the buyer, in understanding the process and to help you through that process seamlessly so you aren't pulling out your hair.