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Advantages of Small Business Loans
When starting a new company or business, people may sometimes to
get some financial assistance in the form of small business
loans. Some current business owners or people who are interested
in starting a small business are not familiar with or...
Cash Advance Payday Loans
The ads are on the radio, television, the Internet, even in the mail. They refer to payday loans - which come at a very high price.
Check cashers, finance companies and others are making small, short-term, high-rate loans that go by a...
Cheque Book Loans provides access to instant cash
You were aware of the several uses of a cheque book. However,
did you know that the simple looking cheque book could be used
to finance a loan? This may seem unbelievable but this is a
fact. Cheque book allows individuals to access cheque book...
Credit Cards and Home Equity Loans – Read the Fine Print
These days, everyone’s lives are burdened with paperwork. With newspapers, magazines, bills, junk mail, and who-knows-what taking up space in their day, few people have time to look at every piece of paper that comes their way. Unfortunately, it’s...
Secured homeowners loans – in case you thought a home is worth few dollars
Money is like music, if managed well, produces a good symphony. One wrong note – one wrong decision – it produces a jarring sound. A homeowner knows what an important investment home is. And he or she can’t probably go wrong with this kind of...
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How to get your New Home Construction Loans
Deciding to build your first new home or that home of your
dreams requires funding for the building process. Luckily, for
you there are new home construction and stated income
construction loans out there that are ready to help you get
started to helping with the building costs of your brand new
home. Both of these types of construction
loans offer funding to you, but are different in how you go
about obtaining them.
To first obtain a new home construction loan, the lender that
you choose must know anything and everything about the home
construction that you have planned. Construction loans are
available to you through national lenders like Wells Fargo or
Bank of America or they can be obtained through regional banks
or mortgage companies. The interest rate for a construction loan
is generally paid on for 12 months and then they typically are
replaced by a mortgage after the completion of your home. There
are two types of construction loans. One is the all in one loan,
which is automatically changed to a mortgage upon completion of
the home. The other type is the construction only loan, which is
due when the building is done, and then the loan must be paid
off or replaced by a mortgage. Lenders will pay funds for the
building of your home in several "draws". This
means that at
different times during the building process a plan is drawn up
that will state how much funding was used during that particular
stage. Then it is sent to the lender and the funding is paid.
Examples of the stages would be after pouring the foundation or
framing the house.
A stated income construction loan is a loan
that does not require verification of your income. An example of
a person who would be a great candidate for this type of loan is
an individual who is self-employed. A person who cannot verify
his or her income or someone who chooses not to share this
information will benefit when applying for a stated income
construction loan. The advantage of this type of loan is that
the approval time is generally faster than that of other
construction loans. The downside to a stated income construction
loan is that the down payment and the interest rates associated
with the loan can be a lot higher than that of other loans. This
loan can be applied for online or through the office of the
lender that you choose to obtain a loan from.
About the author:
Natalie Aranda is a freelance writer. She writes about family
and small
business
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