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Debt Consolidation Mortgage Loan Company: An Asset If Chosen Wisely
Apr 08, 2008
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Scores of people deep in debt resort to the services of a debt consolidation home mortgage loan company to free them selves of the burden of debt. Simply put, debt consolidation allows you to take out one loan to pay off many others. Debt consolidation companies offer these loans to you. These companies also offer various debt management plans to customers who seek a way out of debt. Nevertheless, it is of paramount importance to judge a company exhaustively before you plunge into a loan plan.
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Here are a few pointers to note. A good debt consolidation mortgage refinance company will:
Thoroughly discuss your debt problems before offering you a debt management plan differ free debt consolidation help offer various loan options suiting your needs make readily available a company representative for help whenever you need one educate you in analyzing the pros and cons of various debt consolidation loan options not have any hidden charges
Here Are A Few Steps To Get You Started
Short list from companies having good references. Talk to your friends and acquaintances who have sorted out debt problems similar to yours. There is nothing to beat a feedback from a good experience. Use search engines on the internet to zero in on various loan companies. Select at least five to six companies according to their compare merits and demerits. Online debt consolidation can be a good option too. Ensure these companies give all contact details like location address, contact phone numbers, names of contact persons etc. Insist that the debt consolidation companys representative to meet you in person. Seek his credentials. If the debt consolidation mortgage loan company is located in or near your neighborhood, do not hesitate to make a visit in person. There is nothing to beat a first-hand look at the company office and a chance to interact with their financial consultants.
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Make sure they offer free debt consolidation help. Ask for a free online quote from each of the companies you have short listed. This will allow you to make an in depth comparison statement. Inquire about the credentials of each of the debt consolidation mortgage loan company from a reputable rating agency, for example Better Business Bureau (BBB). Educate yourself on basic financial terminologies so that you can understand the company fine print better. Seek clarifications from company financial consultant if required. Conduct your own research. Internet is an excellent resource to provide you with numerous tips.
Finally, make a well informed decision when you select a company best suited to solve your debt problems. Tread carefully to avoid a bad debt consolidation loan. A good debt consolidation mortgage loan company may finally be a source of great relief to you.
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Many fall back on a debt consolidation mortgage loan company to bail them out of debt. For more information on mortgage refinance and debt consolidation loan, visit debt consolidation mortgage loan.
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Apurva Shree
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Home Loans St. Louis, Refinancing a home, Debt Consolidation, Mortgage Loan
http://www.granny8.com Quick Facts video 3: How capacity (your ability to repay) impacts your ability qualify for a mortgage loan. How likely are you to be a…
debt consolidation mortgage Video Rating: 0 / 5
debt consolidation mortgage question by Jeannette H: What kind of loan should I ask for if I combine my home,car and other debt in one ?
debt consolidation mortgage best answer:
Answer by The Wise Guy
An “all in one Loan”????
A remortgage by the sounds of it – or some may call it a consolidation loan.
Trust me, I’m not known as debts’r’us for no reason.
If you are planning to consolidate all your credit card debts and other consumer debts into a mortgage, it is normally called a debt consolidation loan.
Many mortgage “Brokers” will gladly assist you in doing th is. If you don’t know of one see if a friend of your can give you a referral.
You should see if this is something you really want to do and if it will help you in the long run. Gather all your debts you want to pay off, add them up in two columns, the total amount of what is owed as well as the monthly payments you are making toward each. This will be your consumer debts.
Now take your mortgage payment per month and add it to you consumer debts monthly payment, this is your monthly outgoing payments.
Now add the consumer total payments with the mortgage payments that remain. This will be your approximate loan amount. This loan amount could increase if you want to have some money in your hand. Something to think about.
You are now ready to approach a mortgage “broker” with your debts you want to pay off as well as the mortgage you want to pay off. Once you have contacted a “Broker” he will run a credit check to get your credit score and credit history. Once he has that he can ball park an interest rated and determine a monthly payment for you. Your credit score will determin the interest rate you will get.
See if this amount is slower than what you are paying now for your credit cards and montly payments or is a little above that amount.
If you think this is a good deal you may continue the loan process, if you don’t speak with your “Broker” until you have arrived at a deal you can live with and solve your consolditation problem.
I hope this has been of some help to you, good luck.
“FIGHT ON”
In order to combine them all into just ONE payment, you’d need to re-finance. A debt consolidation loan is usually only for ‘non-mortgage’ debt (car, credit cards, etc.). You could take out a home equity loan just for the car and other debt, but that will leave you with two payments.
The BEST advice I can offer you is to cut-up any credit cards BEFORE you consolidate or re-fi. You’ll be in a REALLY bad spot if you keep using credit cards and now have no way to consolidate.
Why do you want to consolidate? To take the income tax deduction for the mortgage interest? Not a bad idea, as long as you don’t get back into debt. To just have one payment? Still not a bad idea, as long as you realize it will probably take longer to pay everything off this way (that means you pay more interest). To have some available credit so you can get that big screen TV? Bad idea – really bad idea. You will have just leveraged your biggest APPRECIATING asset for a depreciating asset.
If it’s at all possible, the best solution is to keep paying each of the bills individually, paying the minimums on everything except the smallest debt (pay ’til it hurts on this one). When it’s paid off, send the money you were sending them to the next smallest debt (your total debt reduction payment stays the same) until it’s paid off. Keep going until you’re debt free. Then, put all the debt reduction money into retirement. Just make sure you have an emergency fund set-up (NOW) because they will happen, but it’s easier to handle if you have some money set aside.
A Very BIG one!