Money Manifest

Refinance Now

How to Refinance Your Home Without Paying the Closing Cost $19.5 No Synopsis Available

Is Refinancing the Right Financial Move for You? $1.99 This Element is an excerpt from Homebuyers Beware: Who’s Ripping You Off Now?–What You Must Know About the New Rules of Mortgage and Credit (ISBN: 9780137020164) by Carolyn Warren. Available in print and digital formats.   The six questions you must ask before you refinance–and the answers that can save you a fortune!   Working as a loan officer, I’ve advised homeowners not to refinance, even though it meant forgoing a commission. To determine whether refinancing is a good financial move, you must look at all sides of the equation, not just the monthly savings. Here are the six questions to ask when you’re considering a refinance….

Now On $10 Now On – Eye Level

That Was Then This Is Now $10 That Was Then This Is Now – Tha Dogg Pound

Homebuyers Beware: Who’s Ripping You Off Now?–What You Must Know About the New Rules of Mortgage and Credit $8.97 “Carolyn Warren is my go-to expert for mortgage industry information. She not only helps you avoid rip-offs, she helps you know what questions to ask and how to ask them. Full of tips, scripts, and sample letters, Homebuyers Beware is an extremely valuable book that I recommend to all my readers!” –Alison Rogers, “Ask the Agent” columnist, CBS Moneywatch.com “In…

Stop Foreclosure Now: The Complete Guide to Saving Your Home and Your Credit $19.95 We’ve all heard the reports. Americans are losing their homes in record numbers, and the housing crisis seems unlikely to subside anytime soon. Foreclosures affect all kinds of people and all kinds of properties. Many people faced with foreclosure feel helpless and resigned to giving up their homes without even trying to save them. The good news is that with the right advice, homeowners can take c…

Cut Your Debt Now! How to Reduce Your Credit Card and Loan Balances Are you struggling with debt and looking for ways to reduce or eliminateit completely without adversely affecting your credit rating? CutYour Debt Now! How to Reduce Your Credit Card and Loan Balancescan help. You’ll learn how to lower the interest rates you pay on yourcredit card and loan balances.Regardless of how you got into debt, if you are paying 12% or more onyour loans or credit cards, y…

Looking to Refinance Your Commercial Loan?

Tired of banks turning you down saying wait or just flat out no? Not sure where to turn to get your commercial loan refinanced?

What’s the main reason for refinancing a commercial loan? The refinancing of a commercial loan often occurs for the same reason a person might refinance their home – to reduce high interest rates or lower their monthly payments. The owner may also be looking into refinancing in order to obtain cash from the equity that has been accumulating into the property. But how can you refinance a commercial loan when everyone seems to be telling you that you can’t?

Congress enacted the Small Business Job Act, authorizing the SBA real estate refinance loans that require only 10% down in payment or equity not 25 or 30 percent. This lower loan-to-value or LTV, makes it a lot easier for small businesses in general to hold onto their monies and qualify for higher commercial mortgage values.

Congress authorized the Small Business Administration to offer a new version of their long term 504 program that provides appealing financing for real estate and equipment. This new version of the 504 loans became available to business owners in February of this year, and is designed for small businesses that must refinance or make balloon payments on loans by the end of 2012.

Standard SBA504 loans are still accessible, but can only be made to business that are expanding or modernizing. The government still wants businesses to expand, but lawmakers decided it would be beneficial to just prevent loss of jobs with the modified 504 loan program.

Without this change to SBA 504 program many businesses would not be able to refinance, lose their properties to foreclosure, or be forced to lay off employees.

Venture Funding Group (VFG) provides financing nationwide. They specialize in getting seven to eight figure business or commercial property loans refinanced. Something that very few banks can do in today’s economy. Commercial building owners can now refinance their commercial building to decrease high interest rates or create a longer term loan. These techniques can change cash flow and provide more leverage. For example, on a one million dollar building, reducing an interest rate by just two points can save as much as $400,000 in interest over the life of a 30 year loan according to the Federal Reserve’s Survey of Terms of Business Lending. This also minimizes your monthly payments by as much as $1300.
Venture Funding can provide conventional, private money, or government guaranteed loans such as SBA and USDA loans. Their competitive rates, down payment requirements and program details are available with any quote. See for yourself.
Venture Funding is really good at securing SBA or USDA Guaranteed Loans for business owners to obtain millions of dollars in financial leverage. What’s new is that rules about guarantors and liability have changed in your favor.

So, when local banks aren’t returning your callo, bring in the national financing experts for your million dollar project. With help from the United States Government, VFG offers national funding options including the Small Business Administration and USDA Rural Development. These guaranteed loans get lower rates, longer terms and get approved quickly.

That’s why we specialize in consultation, assistance and funding opportunities for individuals and businesses located in both rural communities and growing urban cities to acquire these government backed loans.

Talk to Venture Funding Group today by calling 800-578-4884 and see if they can help grow your business tomorrow and how.

They have direct experience in refinancing commercial loans using hundreds of competitive banking sources for:
Agriculture, Churches, Construction, Income Producing, Mixed Use, Retail, Apartments, Commercial, Franchise, Office Manufacturing, Multi-Family, and Storage

60-Minute Loan Modification $97 GET YOUR LOAN MODIFICATION APPLICATION DONE NOW!Every day counts, so take action immediately! This free-money-mortgage-modification bonanza will NOT last forever. This loan modification guide is designed to show you exactly how to rapidly apply, submit and receive a mortgage modification with less than 1-hour work! The last thing you want to do is read a textbook, so this guide is organized soreaders can fly through it, reading only the sections that pertain to their particular situation. Homeowners can crank out a breathtaking application in the shortest possible time (while having all the facts to reference, should the need arise.)You will learn: -What to do if you lied about your income on your original loan application.(Join the club and see pg. 19) -Not sure if you qualify for a loan mod?(Find out in 2 minutes flat. See Chapter 2, p. 27) -Are loan modifications really worthwhile?(Savings projections on pgs. 16, 19 ,66, 67) -How a mortgage modification will affect your credit (FICO) score.(See pg. 21 & Chapter 9) -Considering a refinance instead of a loan mod?(Bad idea. Learn why on pg. 7) -Confused about Debt-to-Income Ratio (DTI)?(Straight facts on pgs.28, 31, 40, 52, 54) -Do I just stop paying my mortgage?(Maybe. See pg. 22) -What about RESPA and TILA violations & fancy ‘Forensic Loan Audits?’ (See pgs. 24, 34) -How to write your Hardship Letter in 6 minutes.(See pgs. 42-51) -What should my income be…not too high or too low?(See pg. 51-54) -Have you heard that your credit score does not matter?(You’re right. Learnwhy on pg.28) -Want to bump your FICO Score back up to 700+ post loan mod?(Learn how in Chapter 9, pgs. 74-81) -How to “stall” foreclosure?(Produce the Note Strategy – works for some p. 27)

All About Mortgages: Insider Tips to Finance or Refinance Your Home in Today’s Economy $15.99 Due to new hybrid loans abounding and interest rates increasing from bargain basement levels, millions of consumers who are either seeking a new mortgage or are interested in refinancing their existing mortgages are clamoring for an updated easy-to-follow guide to take them through the complex world of mortgages. In All About Mortgages, 4th Edition, author Julie Garton-Good, the sole three-time recipient of the prestigious international “Real Estate Educator of the Year” award from the Real Estate Educators’ Association, provides a road map for consumers through the harrowing twists and turns of obtaining a home mortgage. Garton-Good will help consumers select the right mortgage for their needs, giving them the keys to save thousands of dollars. Approximately 25% of this new edition is updated, including new information on hybrid loans, foreclosure alternatives, and more. Now more than ever, it’s essential for consumers to be well informed about their mortgage options.