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Choosing the right home equity loan can be tricky; you have to consider interest rates and repayment schedules Wholesale Jonas Valanciunas Jersey , among others. Choosing the right lender, however, does not have to be a difficult task. If you ask the right questions, you can pick the best lender for your needs. The following is a list of seven essential questions that you should ask any potential lender.

1. What are the terms? This will include interest rates and the length of the loan. Some lenders may require you to carry private mortgage insurance or to pay your mortgage through ACH deposit. Get the terms in writing, so that you can compare them with other lenders.

2. How about my credit? Your credit score may play a huge factor in deciding which lender to go through. If you have bad or no credit, many lenders may not be able to help you. So you will want to find a lender that offers sub-prime loans for borrowers of your credit status. Bad credit does not necessarily disqualify you for a loan Wholesale DeMar DeRozan Jersey , but it will make the process a bit more difficult.

3. What is their reputation? The lender will delve into your personal and financial history, so why shouldn't you do the same? If the company is public, you should have no trouble finding financial and news information. Look for recent mergers or restructurings that could indicate a potential problem. Be weary of lenders that are not publicly traded. Many lenders use the same underwriters, so do your homework beforehand.

4. How much will the loan cost me? Closing costs can be a major concern for most homeowners. You probably need the home equity loan because you are short on funds or in debt, so coming up with a few thousand dollars for closing costs can be all but impossible for many borrowers. Your lender should be able to provide you with a good faith estimate (GFE) that will outline the fees that you will be responsible for.

5. How long is the process? A typical home equity loan, should not take more than a month on average. Ask your lender how long the process will take from the initial application to receipt of the funds. This can be particularly critical if you are needed to do repairs on your home Wholesale Serge Ibaka Jersey , such as purchasing a new water heater.

6. Is the staff knowledgeable? Never underestimate the power of a good customer service representative. Ask the loan officer and others in the office the various questions that you have. They should be knowledgeable on the loan process, and be able to guide you through the process.

7. Early payment penalty? If you won the lottery or got a big raise, would you be able to pay your loan off early? Many people forget to ask this question when choosing a lender, but it can save you thousands of dollars. So, make sure that if you choose to sell your home before it is paid off, you will be covered.

Use your common sense when choosing a home equity loan bank. Research the company just as you would with any major purchase. Don't be afraid to ask questions Wholesale Kyle Lowry Jersey , and to try another lender if you don't get the answers that you desire. It is your home and your money on the line, so do your homework!

John Ross is a freelance author who writes articles about financial loans including: home equity loans company, online home equity loans, and fixed rate home equity loans. The Loanchbox is a user friendly website designed to inform beginners about home equity loans.
Insurance, Financial Services Sales Tactics Marketing Articles | May 27, 2003
If you sell insurance Wholesale OG Anunoby Jersey , financial services and the like, consider the following low-cost marketing strategies to help grow your small business. It's important to first acknowledge some of the natural b...


If you sell insurance, financial services and the like, consider the following low-cost marketing strategies to help grow your small business.

It's important to first acknowledge some of the natural barriers to acquiring new clients within the insurance and financial services industries. These include, but are not limited to, customers lacking knowledge about your products and Wholesale C.J. Miles Jersey , therefore, lacking the ability to ask questions, and customers afraid of being ripped off. Unfortunately, insurance and financial salespeople often carry the same stigma as used car salespeople. And I'm certain there are some great and honest used car dealers around. It's important to recognize this stigma so you can proactively address it in your marketing plan. Ultimately, to grow your business within the insurance and financial services industries you must strive to build an incredible reputation, built on a platform of reliability Wholesale Vince Carter Jersey , honesty and product knowledge. I also encourage you to be very straightforward about your pricing and how you make your money. The fact is, your customer wants to know. Surprise them, and tell them upfront.

Here are some marketing strategies I suggest you try.

-- First, try teaming up with complementary professionals, such as estate attorneys, business attorneys Wholesale Tracy Mcgrady Jersey , financial planners, etc. You'll receive referral business faster from such businesses for two reasons. One, their customers are currently utilizing services for "future" occurrences. Hence, your prospect is already in the mindset of planning and spending for the future. You now become another product they need to consider for the future. Second, there's an implied trust between an estate attorney and her customers. If an estate attorney referred her customers to you, that customer would be more likely to do business with you Cheap Bismack Biyombo Jersey , than if heshe had simply seen your print ad in a local newspaper.

-- Launch a publicity campaign
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