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 Wysłany: Sob 22:40, 27 Cze 2015 Temat postu: cash advance covington ky |
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These quick cash loans require no collateral, which comes at a higher interest rate than a traditional loan. This is because the lenders are taking more of a risk lending their money to you. If you are looking for lower interest rates you may want to consider a home equity line of credit or even a title loan which can have lower rates. Those type of loans generally take longer to get approvals for and require documentation of assets. The most commonly used loan product for borrowers with lower credit scores is the Federal Housing Administrations loan program. The FHA insures lenders against potential default and requires a minimum credit score of 580 or above for a loan with a down payment of 3.5%. Most lenders, though, require a credit score of 620 or 640 and above to approve an FHA loan. In addition to your credit score, you will need to provide full documentation of your income and assets and meet the lenderâs debt-to-income ratio, which is typically a maximum of 41-43% of your monthly gross income that goes toward the minimum payments on all of your revolving and installment debts. "Once you made that application, you basically sent up a red flag with them that you are someone in need of this money, and you need it on a short-term basis," he told me. "That's when the vultures come out." |
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