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Free Money Saving Auto and Home Loan Tips
Some common sense ways to ensure that you get that loan at a lower rate...Free Auto Loan Tips - The following tips should help increase your chances of getting a car loan at a better rate.
Tip #2 - If you have currently have bad credit then repair it before applying for an auto loan. Tip #3 - If you've recently moved then wait until you have lived at your new address for 6 months before applying for a loan. Tips #4 - If you have had a previous auto loan or home mortgage on your credit report then your chances for a new loan at good rates improves greatly. Tip #5 - Try and pay off all of your credit card balances or at least lower them. You may want to consider finding the best debt consolidation loans to erase all of your credit card bills. The bottom line is don't keep a high debt load or credit card balances. Tip #6 - You must have a stable job or occupation.
Tip #7 - Other examples of credit extended to you should appear on your credit report. Verify this with a quick and easy online credit report. Also avoid charge off's on your credit report. Note: What is a charge off? Creditors typically write off or charge off a debt if there has been no payment on the account for more than 180 days or six months. This does not, however, mean that the person no longer owes the debt. A charge-off is an accounting procedure for tax purposes used by the creditor where an uncollectable debt or charge-off is reported as a loss for the creditor. Tip #8 - If you've filed bankruptcy before then you should wait 3-4 years before trying to get an auto loan. Free Home Loan Tips - There are mnay things you can do that will save you money on your home loan.
Tip #2 - Choose a 15 year mortgage instead of a 30 year mortgage: You'll end up with a higher monthly payment, but in the long run you also save tens of thousands of dollars in interest charges, especially if you shop for the best home loans you can afford.
Tip #3 - Mortgage Refinancing: Currently this is a very popular trend. You refinance your mortgage if you can get a rate that is at least one percentage point lower than your existing mortgage rate and plan to keep the new mortgage for several years or more. Tip #4 - Buy down the rate: The seller or builder, or through innovative pricing, can help you buy down your mortgage rate for one, two, or three years or permanently. Note: What is a Buy Down? A buydown is simply paying a little more at closing, like a larger down payment of one point or more, to get a lower note interest rate. Tip #5 - Consider an adjustable-rate mortgage (ARM): If you think you will be in your house for less then 5 years, then perhaps you should consider an ARM. An adjustable-rate mortgage (ARM) starts with a considerably lower interest rate, but then adjusts every year. This type of loan moves a little bit of the risk away from the lender, and the lender rewards you with a lower rate. Usually these mortgages are capped to rise not more than two percent in any year, and not more than five or six percent for the life of the loan for your protection. About the author: Timothy Gorman is a successful webmaster and publisher of Military-Loans-Online.com, Which provides free money saving loan quotes on all of your loan needs. Visit home equity loan information.
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