Category Archives: Trucks

By Carrie Reeder

Refinancing 100 percent of your loan allows you to cash out all of the value of your home. With no down payment required, you can use your money to pay off debt, invest in other property, or remodel your current home. When refinancing, make sure that you find the best lender so you don’t get stung on high rate and fees.

Understanding 100% Refinance

100% refinancing means that you take out the total value of your property. You will still need to pay for application fees and points, if you decide to purchase a lower rate. Those closing costs can add up to 3% or more of your loan’s principal amount. But with 100% financing, you can deduct the amount from your principal.

With no equity left, conventional lenders with their prime loans will require you to carry private mortgage insurance. However, subprime lenders don’t ask for such insurance, saving you hundreds a year.

Refinancing also has its tax advantages. For instance, closing costs can be deducted along with paid interest under certain conditions.

Refi Lenders Offer Instant Online Quotes

By refinancing your total home’s value, rates will be higher than with a traditional refinance. But you can find low rates by researching lenders online.

Lenders are now able to provide near instant loan quotes without access your credit report. That means you get trustworthy numbers without having needless credit hits on your report. And the better shape your credit score, the lower rates you qualify for.

When you do ask for loan estimates, give specific information. Provide precise information about your credit score, debt loan, and assets. If you don’t know about credit or debts, check out your credit report.

Consider Two Mortgages Instead Of One

Another way to secure 100% refinance is to apply for two separate mortgages. With this method, you can tap into your equity with a prime loan without having to pay for private mortgage insurance.

You can also save money by structuring your terms differently with each loan. For instance, you could choose a 30 year fixed for your first mortgage and a 5 year adjustable with your second mortgage.

With this type of financing, you want to investigate loan quotes. You will also need to be comfortable with the added risk level of an adjustable rate mortgage.

About the Author: Visit

abcloanguide.com/refinance.shtml

for a list of 100% mortgage refinance lenders online. View our recommended

100% mortgage refinance lender

s online.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=43275&ca=Finances

Finding Wheelchair Vans for Sale

by

Bob Lundin

There are few things that can improve your quality of life the way a mobility vehicle can. Just imagine the enjoyment and independence you will experience when you are able to stop relying on your loved ones and start doing all those things you need and want to do on your own! You can regain your freedom with the purchase of an accessible vehicle, and there are always thousands of wheelchair vans for sale at any given time. Before you take the plunge, you should consider quite a few factors to ensure that you find the right vehicle for your individual needs.

First of all, remember that you can find more than just wheelchair vans for sale. While most people think immediately of the large, luxury conversion vans when they think of a mobility vehicle, there are actually several makes and models you can consider. Did you know your favorite sport utility vehicle could be an accessible van? Its true! You can also find trucks that have been converted for ease of use, as well as minivans and several other selections. Choosing the type of car you want may be the hardest part of your decision!

After you have found wheelchair vans for sale, you must then consider the equipment and features you want on your new vehicle. This includes several possibilities, like restraint systems, ramps and lifts, hand controls, and transfer seats. You can sometimes create your own floor plan in the van or SUV you have chosen to ensure there will always be room for your wheelchair or scooter without taking away from the passenger seating. The options really are endless, and that means you are very likely to find exactly what you want and need when you go searching for it.

Once you decide on a new mobility vehicle, there is the small matter of paying for it. Wheelchair vans for sale certainly do go at a higher premium, simply because the equipment included in the van or SUV is so expensive. You can discover some creative financing options when youre ready to buy, or you could seek out a used version of your favorite mobility vehicle. Many people also choose to lease the wheelchair vans when they find they cant gain credit approval. The most important thing is to keep trying until you have exhausted all of your options. You do deserve your independence, and you can get that with an accessible vehicle.

Accessible Vans & Mobility is a premier provider of

mobility vans

and mobility equipment in Eastern Pennsylvania, Southern New Jersey, Northern Delaware and Maryland. Visit AbilityCenter.com today to find a

handicap lift

in your area.

Article Source:

Finding Wheelchair Vans for Sale}