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It Pays Getting Mortgages at Discover Home Loan

Monday, September 3rd, 2012

It literally pays to get a mortgage from the right provider. After all, mortgage rates determine just how much you’re going to spend every month for the rest of your term. Picking the right lending company can result in large savings especially for an extended time. One place to get a good mortgage is at Discover Home Loan.

Discover Home Loan is a company that was founded in 1986 and is a financial service brand that has been recognized in the whole of the United States. Their good reputation is known all over the nation because of their customer service and the commitment they provide to their clients. This is then the main reason why people choose to go to them because they know they will have the best services they can possibly get especially in terms of mortgages rates and loans.

Mortgage Rates

The latest rates from Discover Home Loan are very competitive and can go a long way in helping people get affordable mortgages. For their conventional fixed rates, they have different terms that are appropriate for any individual or family. For those who will choose the 10 year fixed term, the rate is 2.875% with an annual percentage rate or APR or 3.278%. The 20 year fixed term has a rate of 3.375% with an APR of 3.605%. While the 30 year fixed has an APR of 3.685% and a rate of 3.500%. On the other hand, they also have the 15 year fixed FHA with a rate of 2.625% and an APR of 3.358%. Their 30 year Fixed FHZ has an APR of 3.595% with a rate of 3.125%.

Thus, those who want to have a good home should check out Discover Home Loan today while the mortgage rates are at its best.

For those people who want to establish their credit worthiness they should look for a credit card that helps build and rebuild credit history. People who have maxed out their previous cards and who may have incurred several delayed payments may suffer from a low credit score. This can seriously affect future interest rates and loanable amounts for different loans and mortgages resulting in heavy payments. However, everyone deserves a second chance and thats where First Interstate Bank’s VISA Secured Credit Card comes in.

First Interstate Bank’s VISA Secured card is perfect for those individuals who want to rebuild their credit as well as those who want to establish it. People will be able to make use of this card because they can have it even if they had no credit history in the past or even if they have a bad credit history. This will be their stepping stone in getting other forms of credit finances. The Visa Secured credit card by First Interstate Bank also offers a secured certificate of deposit which is actually established by the customer or owner of the account. This kind of card can also be backed up with any type of savings account which will turn out to be the collateral.

Its annual percentage rate or APR for balance transfers and purchases is 16.25% with a 24.25% APR for cash advances. The annual percentage rate will vary on the market prime rate. On the other hand, the annual fee for this credit card is $39 all in all including the other services and charges. To those who want to apply and get this card, they should not hesitate to visit any branch of First Interstate Bank. It is very easy for people to apply to such card just as long as they know they are qualified.

IFirst Interstate Bank’s Secured card is one of the best in the nation today. It does not only allow people to spend but it will also allow them to rebuild credit worthiness.

With so many banks vying for customer attention, many banks have stepped up by offering irresistible features and promotions on their credit cards. As of today, Citi Bank’s Dividend Platinum Select VISA credit card is one of the most famous cards in the market. So cards exactly makes the Citi Dividend Platinum Select VISA card different from other cards? Here is a quick view.

Fees and Rates

With the Citi Dividend Platinum Select VISA credit card, owners can enjoy a zero annual fee. Aside from that, individuals can enjoy easy installment on any major purchase because of the 0% introductory APR that’s available for as long as the first 12 months. A variable rate of 12.99-22.99% will be applied after the 12 month period depending on credit worthiness. A 0% introductory annual percentage rate is also applied with the balance transfers for 12 months and after that the APR will then be the same as the purchase APR. The balance transfer fees will be $5 or the usual is 3% of the transferred amount.

Rewards
Aside from great rates, the rewards of the Citi Dividend Platinum Select VISA credit card are also quite exciting. When the account owner will spend $500 during the first three months, he or she will be rewarded with $150. There will also be 5% cash back on car rental and airline purchases. And a 1% cash back on all other purchases using the credit card. With these rewards, credit card owners can truly enjoy spending with their credit card.

Mortgage Rates at Round Point Mortgage Company

Wednesday, August 29th, 2012

A mortgage rate may seem like just a number but this number will determine how much you’ll be paying for your home. Before signing a mortgage contract with just any lender its important to know how well the lender will provide service and if their rates are updated.

A company that is known for its mortgage rates is Round Point Mortgage Company or RMC. This was established in 2007 for people to be provided with the right refinancing programs to retain their homes and eventually the company provided more mortgages for those who want to have their own houses. With the help and assistance of this company, many individuals and families have avoided foreclosure and have also gotten the home of their dreams.

Mortgage Rates

The mortgage rates at Round Point Mortgage Company are lower than what most other lenders are providing. Aside from that, their loan programs are low cost and those who will apply for it will be able to get  approvals on the same day once all requirements are passed, checked, and validated. Their customer service is also highly efficient with experienced personnel and thus it is very easy for them to personalize services that they can cater and provide to their clients. For their rates, the 30 year fixed term has 3.500% with an APR or annual percentage rate of 3.577% while for the 15 year fixed term the rate is 2.875% with an APR or 2.977%. They also have the 5/1 LIBOR ARM with a rate of 2.375% and an APR of 2.842% assuming that the loan for this rates is $300,000.

With these low rates, now is the best time to apply for a mortgage. Get a new home with Round Point Mortgage Company.

One of the reasons why people hesitate to invest in Certificates of Deposit is because of the long lock in period depending on your term. After all, you never know if you’re going to need the money. But now, people need not worry about having to lock in their cash for extended periods because it’s now possible to invest in a CD for as short as 7 days.

One of the banks offering CDs is Grand Bank.  This bank has been considered to be one of the fast growing financial institutions in the nation since they are known to provide quality services to its customers as well as catering and helping people to solve their financial issues. Indeed, those who want the best rates for certificate of deposits can find it in this bank.

The latest terms and rates by Grand Bank are competitive and well updated. For those people who want to open a shorter term such as 7 to 30 days, the minimum amount to apply is only $1,000. The interest rate for this term is 0.19% with the same percentage for the annual percentage yield or APY. With the same minimum amount, the rate and APY for the 3 months term is 0.25%. For the six months term, the rate and annual percentage yield is 0.70%. On the other hand, for the longer term such as the one year CD the APY and interest rate is 0.70%. And 0.75% is for the 18 months term. Lastly, those who will choose the 48 months term will have a rate of 1.34% with an annual percentage yield of 1.35%. These are just some of the certificate of deposits’ terms that people who are interested can possibly choose. For those who want to put their money in banks then a CD is the right solution for them.

If you have $10,000 or less in extra savings then it would be a better idea to invest your money in a certificate of deposit than just a regular savings account. There are many banks that offer good rates for their customerto and Citibank is certainly one of those banks. Citibank is a solid bank that has been providing quality financial services to people. The services they provide include savings accounts, debit and credit cards, mortgages, loans, checking accounts, and many more. Citibank is a leading bank globally with 200 million client accounts and it does businesses in over 160 countries. This proves the near infallible system that the bank has established for itself.

Citibank’s certificate of deposit is a great deal for those who have amounts of $10,000 and less. People will be assured of competitive CD interest rates whether it is for short or long terms.

How it Works:

First, the interest rate of the CD will be paid on a monthly basis or at maturity if the term is one year or less but for those certificate of deposits with terms of more than a year then the interest is really paid per month. And lastly, the CDS are renewed automatically after maturity and thus the owner of the CD will be able to choose whether he or she would want to renew or even select another term.

Rates
As of today, those who will be choosing the three month term will have an interest rate and APY of 0.15%. For the 7 month term, the APY and interest is 0.20% while for the one year term, the interest and annual percentage is 0.25%. These are just some of the rates and terms that people can choose from.

Direct Lending with The Money Store

Thursday, August 23rd, 2012

Everybody in this world wants convenience. And that certainly applies to getting a mortgage. People who want to buy and finance a house would want the easiest way to make it happen which is why many would choose to go to a lend that offers the best services as well as the most affordable mortgage rates available in the market.

A company that is known to be synonymous with mortgages for almost 40 years is The Money Store. This is a federal trademark registered company of MLD Mortgage Inc. The Money Store is known in the nation as one of those companies that have the lowest rates in terms of mortgages. They have revolutionized the industry by their “common sense” approach and good partnership with their customers.  With their excellent customer services, their clients have indeed trusted them well enough.

The current mortgage rates they have are good opportunity for people to gra. With their 30 year fixed term, the rate is 3.500% and the annual percentage rate or APR is 3.576%. For the 15 year fixed, the rate is 2.875% with an APR of 3.046%. On the other hand, the 5 year ARM rate is 2.875% with an annual percentage rate of 3.234% while for the 7 year ARM; the rate is 3.250% with an APR or 3.336%.

For those people and families who want to apply at The Money Store, they will most likely get a good rate and they will also be well informed throughout the whole process especially in terms of the usual payments and fees.

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