HSH Associates: Monthly Payment Table per $1, 000 #www.mortgage #calculator


#mortgage payment chart

#

This Mortgage Payment Table will allow you to estimate your monthly principal and interest payments for any fixed interest rate mortgage. You can’t reliably use the chart to calculate the monthly payment for an adjustable rate mortgage, except for the initial period; after that, of course, the rate, the term (and the payments) will be different.

Using The Mortgage Payment Table
This chart covers interest rates from 2% to 7.875%, and loan terms of 15 and 30 years. Each of the term columns shows the monthly payment (Principal + Interest), and the total amount you will pay back for each $1,000 of the loan.

Scan down the interest rate column to a given interest rate, such as 7%; then follow across to the payment factor for either a 15 or 30 year term. Multiply the factor shown by the number of thousands in your mortgage amount, and the result is your monthly principal and interest payment. For the total cost of holding the loan to term, multiply the number of thousands in your loan by the Total Amount factor.

In our example, with a loan of $100,000, for 30 years, multiply 6.65 X 100 = $665 per month; your loan will have a total cost of $239,509 (2395.09 X 100).

Visit http://www.hsh.com for the latest mortgage rates and terms, plus:
– On-line and freely downloadable amortization and prepayment calculators
– Information from competitive mortgage and equity lenders in your area
– Forecasts, commentary, and the most objective loan information available

Check today’s mortgage rates and lower your monthly mortgage payment:

Edit your search for mortgage rates

See Current Rates In Your Area:

Choose from Refinance lenders in California for 30-year Fixed mortgage rates

Mortgage rates tailored for you

California Interest Rates as low as 2.63% (3.21APR)

VA Loans for California Veterans

VA Loans for California Veterans

The mortgage products on HSH.com are from companies from which QuinStreet may receive compensation. Compensation may impact where products appear on HSH.com (including the order in which they appear). QuinStreet does not include all mortgage companies or all types of products available in the marketplace.

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Payday Loans up to $1, 000 Personal Loans up to $3, 000 #mortgage #rates #trends


#bank rate.com mortgage calculator

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Simple Online Form Fast Access to Funds

1041 4th Avenue, Suite 302, Oakland, CA 94606
1 (855) 826-47-88
USA Owned Operated

Representative APR Range

LoanSolo.com is not a lender and does not provide short term or online personal loans but refers consumers to the lenders who may provide such loans. LoanSolo.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs depend on multiple factors, including the lender’s requirements and offers, your credit worthiness, your state of residence, and the type and term of the loan you request. You will be given the details on the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement during the loan request process.

The APR on a short term loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on. See a Representative Example

Borrow $200 for 14 days with a $30 to $60 lender fee. Your estimated APR is 391% to 782%
Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100
Low End of Range: ($30 / $200) * (365 days / 14 days) x 100 = 391.07%
High End of Range: ($60 / $200) * (365 days / 14 days) x 100 = 782.14%
Payday loans are relatively expensive when compared with other loan products. Payday loans are not recommended as a long term financial solution and they should only be taken for emergency financial needs.

The APR on online personal loans can reach up to 1,386% depending on the lender’s terms, borrower’s residence state, the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan extension plan, and other factors. Some states cap APR and the amounts of charges for online personal loan.

Implications of Late Payment

You are encouraged to contact your lender as soon as possible if you are unable to repay your loan on the scheduled repayment date or make regular installment payment on time. Your lender may set late payment fees in accordance with state regulations, and your lender has several courses of action to deal with late payment. For more information about your lender’s specific procedures as they apply to late payments, please review your loan agreement or contact your lender directly. Origination, documentation and other additional fees may apply to your online personal loan deal. Late payment, non-payment fees and other penalties may apply to both short term and online personal loan deals in case of missed payments. Please review your loan agreement carefully for information about the financial implications before you provide your electronic signature.

Implications of Non-Payment

The costs associated with loans of up to $500 can range from 15% to 40% of the entire loan amount, and the charges associated with loans of more than $500 can be even more. Your lender may also charge you late fees as well as fees for non-sufficient funds. As an example, your lender may charge you a $20 nonsufficient funds fee as well as 15% of the loan balance as a late fee. Please review your loan agreement carefully for information about the financial implications of non-payment before you provide your electronic signature.

Non-payment may involve debt collection practices as it is set by applicable law. The majority of the lenders in our network do not intend to sell your debt to outside collection agencies. Instead, they will attempt to collect the debt in-house via telephone, email, postal mail or even text message. Similarly, they will not threaten criminal charges or sue borrowers; they will generally offer debt settlements over time instead. Every lender in our network is required to adhere to the Fair Debt Collection Practices Act, which protects consumers from being abused or harassed by debt collectors.

Impact on Credit Score +

Lenders are within their rights to report your failure to repay a loan to one or all of the major credit reporting agencies — Experian, Equifax and Transunion. This negative record can be reflected on your credit history indefinitely until the loan is repaid in full. After the lenders receive payment in full, they can report it to the credit reporting agencies. We remind that late payment or non-payment of your loan can have negative impact on your credit history.

Some of the lenders in our network may automatically renew your short term loan if it becomes past due. This term is clearly identified in your loan agreement. You should check your loan agreement for your lender’s policy on automatic loan renewal prior to e-signing it. If your loan is renewed, there will be additional charges as determined by your lender, and the minimum term can be set up. Your lender may offer you other options in addition to renewal, including the ability to repay your loan in full at a later date or repay your loan over time in a series of installments.

Legal Disclaimer: This website does not constitute an offer or solicitation to lend. LoanSolo.com is not a lender and does not make loans or credit decisions. Loansolo.com provides a matching service only and is not acting as a representative, agent, or correspondent for any of the lenders we contract with. Loansolo.com does not charge a service fee. Loansolo.com does not control and is not responsible for the actions or inactions of any lender. Loansolo.com does not endorse any particular lender or loan product. You are under no obligation to use the service, initiate contact, or request credit with any of the lenders. This service is not available in all states. The residents of Arkansas, New York, Vermont and West Virginia will not be able to use the service of the website. Service availability and scope are subject to change without notice.
Subject to our privacy policy, loansolo.com will transfer your information to lenders in our program and other service providers and marketing companies with which we do business who may or may not offer payday loans up to $1,000 and online personal loans up to $3,000. Loansolo.com does not guarantee that completing an online form will result in your being matched with a lender, being offered a loan product with satisfactory rates or terms, or a loan product of the requested sum or desirable terms, or receiving any approval from a lender in the first place.

Credit Check: Participating lenders may verify your social security number, driver license number, national id, or any other state or federal identifications and review your information against national databases, including but not limited to Equifax, TransUnion, and Experian, to determine your credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit.
Not all the lenders in our network can provide up to $1,000 in payday loans and $3,000 in online personal loans. The limits and regulations vary from state to state. Cash transfer times and terms may vary from lender to lender.

Consumer Notice: We remind that payday loans and online personal loans for small dollar amounts are not a long term financial solution. These credit options imply relatively high interest rates and become a very costly solution if used improperly. Consumers that seek funds for longer terms or debt relief should consult credit advisor prior to making credit decisions of taking a short term or an online personal loan for small dollar amount.


Nationwide Advantage Mortgage Complaints – 1 Reviews #mortgage #loan #rate


#nationwide advantage mortgage

#

Nationwide Advantage Mortgage Complaints & Reviews

Homeless

On: September 21, 2012
By: Shannon

Reported Loss = $280,000.00

This complaint will consist of two letters I ve previous sent elsewhere.September 12,2012
Shannon ScottP O Box 4772Overland Park,KS66204

I didn’t get the housing counsel involved until 8/13/12, I was in touch with the Chicago office. Michelle did my intake and I was forwarded on to Lidiette. Lidiette stated that I wouldn’t be eligible for a MHA loan modification because one was done earlier on my and I didn’t qualify for a fannie mae modification because I didn’t reduction in payment did not meet the requirement. She is the one who argued me right away to contact a local housing counsel. This is when I found Pam Johnson who gave me a grocery list of this to do. She’s been very helpful. She told me to get on the phone and call Nationwide, ask if my acct. was assigned to someone, who, and to ask for my sale date to be postponed and let them know that I had an appt. to meet with a counselor from the housing counsel on Tuesday, 8/28/12. This was the sooniest she Pam could get me in.

My compliant is against both Nationwide and Rma because:

1. Nationwide already knew they were not going to do another modification
2. Had RMA been on top of things they would have known if Nationwide was not following Fannie Mae guides.
3. I took forever just to get an update, and everything I requested one the requested me to send in the same things no matter if they’ve already asked for them or not.
4. The advice I got from RMA always cost me money and is always a temporary fix. (Emergency chapter 13).
5. Everytime I’ve gotten correspondence from Nationwide, it has been after they’ve requested RMA to have me send in more doc. EX: I got mail from Nationwide dated 8/13/12 stating they couldn’t review my file because it was in complete but I just got a request from RMA on 8/21/12 to something else in but the envelope from Nationwide was stamped 8/23/12.
6. I generally feel like I was just sprung along. I started working with RMA in January 2012. DoriAnn stated today that she’s been neogiating my case since April 2012. All this time, money, and no favorable result. I love how the mortage company is quick to say that they’ve not received a payment since whatever date, but what they don’t say is we stopped accepting her payment such and such date. Nor would they accept a partial payment.

I sorry this is so lengthy. Pam told me to makesure I documented everything.

I don’t know what the outcome will be, but this is my official compliant.

Thank You Kindly,


Payday Loans up to $1, 000 Personal Loans up to $3, 000 #usda #mortgage


#bank rate.com mortgage calculator

#

Simple Online Form Fast Access to Funds

1041 4th Avenue, Suite 302, Oakland, CA 94606
1 (855) 826-47-88
USA Owned Operated

Representative APR Range

LoanSolo.com is not a lender and does not provide short term or online personal loans but refers consumers to the lenders who may provide such loans. LoanSolo.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs depend on multiple factors, including the lender’s requirements and offers, your credit worthiness, your state of residence, and the type and term of the loan you request. You will be given the details on the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement during the loan request process.

The APR on a short term loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on. See a Representative Example

Borrow $200 for 14 days with a $30 to $60 lender fee. Your estimated APR is 391% to 782%
Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100
Low End of Range: ($30 / $200) * (365 days / 14 days) x 100 = 391.07%
High End of Range: ($60 / $200) * (365 days / 14 days) x 100 = 782.14%
Payday loans are relatively expensive when compared with other loan products. Payday loans are not recommended as a long term financial solution and they should only be taken for emergency financial needs.

The APR on online personal loans can reach up to 1,386% depending on the lender’s terms, borrower’s residence state, the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan extension plan, and other factors. Some states cap APR and the amounts of charges for online personal loan.

Implications of Late Payment

You are encouraged to contact your lender as soon as possible if you are unable to repay your loan on the scheduled repayment date or make regular installment payment on time. Your lender may set late payment fees in accordance with state regulations, and your lender has several courses of action to deal with late payment. For more information about your lender’s specific procedures as they apply to late payments, please review your loan agreement or contact your lender directly. Origination, documentation and other additional fees may apply to your online personal loan deal. Late payment, non-payment fees and other penalties may apply to both short term and online personal loan deals in case of missed payments. Please review your loan agreement carefully for information about the financial implications before you provide your electronic signature.

Implications of Non-Payment

The costs associated with loans of up to $500 can range from 15% to 40% of the entire loan amount, and the charges associated with loans of more than $500 can be even more. Your lender may also charge you late fees as well as fees for non-sufficient funds. As an example, your lender may charge you a $20 nonsufficient funds fee as well as 15% of the loan balance as a late fee. Please review your loan agreement carefully for information about the financial implications of non-payment before you provide your electronic signature.

Non-payment may involve debt collection practices as it is set by applicable law. The majority of the lenders in our network do not intend to sell your debt to outside collection agencies. Instead, they will attempt to collect the debt in-house via telephone, email, postal mail or even text message. Similarly, they will not threaten criminal charges or sue borrowers; they will generally offer debt settlements over time instead. Every lender in our network is required to adhere to the Fair Debt Collection Practices Act, which protects consumers from being abused or harassed by debt collectors.

Impact on Credit Score +

Lenders are within their rights to report your failure to repay a loan to one or all of the major credit reporting agencies — Experian, Equifax and Transunion. This negative record can be reflected on your credit history indefinitely until the loan is repaid in full. After the lenders receive payment in full, they can report it to the credit reporting agencies. We remind that late payment or non-payment of your loan can have negative impact on your credit history.

Some of the lenders in our network may automatically renew your short term loan if it becomes past due. This term is clearly identified in your loan agreement. You should check your loan agreement for your lender’s policy on automatic loan renewal prior to e-signing it. If your loan is renewed, there will be additional charges as determined by your lender, and the minimum term can be set up. Your lender may offer you other options in addition to renewal, including the ability to repay your loan in full at a later date or repay your loan over time in a series of installments.

Legal Disclaimer: This website does not constitute an offer or solicitation to lend. LoanSolo.com is not a lender and does not make loans or credit decisions. Loansolo.com provides a matching service only and is not acting as a representative, agent, or correspondent for any of the lenders we contract with. Loansolo.com does not charge a service fee. Loansolo.com does not control and is not responsible for the actions or inactions of any lender. Loansolo.com does not endorse any particular lender or loan product. You are under no obligation to use the service, initiate contact, or request credit with any of the lenders. This service is not available in all states. The residents of Arkansas, New York, Vermont and West Virginia will not be able to use the service of the website. Service availability and scope are subject to change without notice.
Subject to our privacy policy, loansolo.com will transfer your information to lenders in our program and other service providers and marketing companies with which we do business who may or may not offer payday loans up to $1,000 and online personal loans up to $3,000. Loansolo.com does not guarantee that completing an online form will result in your being matched with a lender, being offered a loan product with satisfactory rates or terms, or a loan product of the requested sum or desirable terms, or receiving any approval from a lender in the first place.

Credit Check: Participating lenders may verify your social security number, driver license number, national id, or any other state or federal identifications and review your information against national databases, including but not limited to Equifax, TransUnion, and Experian, to determine your credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit.
Not all the lenders in our network can provide up to $1,000 in payday loans and $3,000 in online personal loans. The limits and regulations vary from state to state. Cash transfer times and terms may vary from lender to lender.

Consumer Notice: We remind that payday loans and online personal loans for small dollar amounts are not a long term financial solution. These credit options imply relatively high interest rates and become a very costly solution if used improperly. Consumers that seek funds for longer terms or debt relief should consult credit advisor prior to making credit decisions of taking a short term or an online personal loan for small dollar amount.


BT Sport: The Heart of Sport #bt #sport, #rugby #union, #premier #league, #football, #champions #league,


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Launchbury is about to embark on his eighth season with Wasps.

Launchbury is about to embark on his eighth season with Wasps.

Launchbury is about to embark on his eighth season with Wasps.

Launchbury is about to embark on his eighth season with Wasps.

Launchbury is about to embark on his eighth season with Wasps.

Launchbury is about to embark on his eighth season with Wasps.

Quizzes and Features

It’s been a busy summer for the clubs in the Premier League (except Tottenham, obviously). H.

It’s been a busy summer for the clubs in the Premier League (except Tottenham, obviously). Have you been keeping track?

It’s been a busy summer for the clubs in the Premier League (except Tottenham, obviously). Hav.

It’s been a busy summer for the clubs in the Premier League (except Tottenham, obviously). Have you been keeping track?

It’s been a busy summer for the clubs in the Premier League (except Tottenham, obviously). Have you been keeping track?

It’s been a busy summer for the clubs in the Premier League (except Tottenham, obviously). Have you been keeping track?

Marcos Alonso netted a late winner for champions Chelsea.

Marcos Alonso netted a late winner for champions Chelsea.

Marcos Alonso netted a late winner for champions Chelsea.

Marcos Alonso netted a late winner for champions Chelsea.

Marcos Alonso netted a late winner for champions Chelsea.

Marcos Alonso netted a late winner for champions Chelsea.

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Diabetes Causes and Types: Pre-Diabetes, Types 1 and 2, and More #diabetes, #pre-diabetes, #prediabetes, #gestational,


#

Understanding Diabetes — the Basics

Diabetes, the most common disorder of the endocrine (hormone) system, occurs when blood sugar levels in the body consistently stay above normal. It affects more than 25 million people in the U.S. alone.

Diabetes is a disease brought on by either the body’s inability to make insulin (type 1 diabetes) or by the body not responding to the effects of insulin (type 2 diabetes). It can also appear during pregnancy. Insulin is one of the main hormones that regulates blood sugar levels and allows the body to use sugar (called glucose) for energy. Talk with your doctor about the different types of diabetes and your risk for this disease.

Pre-Diabetes

In the U.S. 79 million people over age 20 have blood sugar levels that are higher than normal, but not high enough to be classified as diabetes. This is known as pre-diabetes. or impaired glucose tolerance. While people with pre-diabetes usually have no symptoms, it’s almost always present before a person develops type 2 diabetes. However, complications normally associated with diabetes, such as heart disease. can begin to develop even when a person has only pre-diabetes.

Once type 2 diabetes develops, symptoms include unusual thirst, a frequent need to urinate, blurred vision. or extreme fatigue — or there may be no symptoms. Talk to your doctor to see if you need to be tested for pre-diabetes. By identifying the signs of pre-diabetes before diabetes occurs, you may be able to prevent type 2 diabetes and lower your risk of complications associated with this condition, such as heart disease.

Type 1 Diabetes

Type 1 diabetes occurs because the insulin-producing cells of the pancreas (called beta cells) are destroyed by the immune system. People with type 1 diabetes produce no insulin and must use insulin injections to control their blood sugar.

Type 1 diabetes most commonly starts in people under age 20, but may occur at any age.

For more detail, see WebMD’s article Type 1 Diabetes .

Type 2 Diabetes

With type 2 diabetes. the body continues to produce insulin, although insulin production by the body may significantly decrease over time. The pancreas produces either not enough insulin, or the body is unable to recognize insulin and use it properly. When there isn’t enough insulin or the insulin is not used as it should be, glucose can’t get into the body’s cells to be used as energy. This glucose then builds up in the blood .

Continued

Over 25 million American have diabetes, and the great majority of them has type 2 diabetes. While most of these cases can be prevented, it remains for adults the leading cause of diabetes-related complications such as blindness. non-traumatic amputations, and chronic kidney failure. Type 2 diabetes usually occurs in people over age 40 who are overweight. but it can occur in people who are not overweight. In the past, it was referred to as “adult-onset diabetes,” but now it has started to appear more often in children because of the rise in obesity in young people.

Some people can manage their type 2 diabetes by controlling their weight. watching their diet. and exercising regularly. Others may also need to take a diabetes pill that helps their body use insulin better, and/or take insulin injections.

Often, doctors are able to detect the likelihood of type 2 diabetes before the condition actually occurs. Commonly referred to as pre-diabetes. this condition occurs when a person’s blood sugar levels are higher than normal, but not high enough for a diagnosis of type 2 diabetes.

For more detail, see WebMD’s article Type 2 Diabetes .

Gestational Diabetes

Hormone changes during pregnancy can affect insulin’s ability to work properly. The condition, called gestational diabetes. occurs in about 4% of all pregnancies.

Pregnant women who have an increased risk of developing gestational diabetes are those who are over age 25, are above their normal body weight before pregnancy. have a family history of diabetes, or are Hispanic, black, Native American, or Asian.

Screening for gestational diabetes is performed during pregnancy. Left untreated, gestational diabetes increases the risk of complications to both the mother and her unborn child.

Usually, blood sugar levels return to normal within six weeks of childbirth. However, women who have had gestational diabetes have an increased risk of developing type 2 diabetes later in life.

For more detail, see WebMD’s article Gestational Diabetes .

What Are the Symptoms of Diabetes?

The symptoms of type 1 diabetes often occur suddenly and can be severe. They include:

Continued

The symptoms of type 2 diabetes may be the same as those listed above. Most often, there are no symptoms or a very gradual development of the above symptoms. Other symptoms may include:

  • Slow-healing sores or cuts
  • Itching of the skin (usually in the vaginal or groin area)
  • Yeast infections
  • Recent weight gain
  • Numbness or tingling of the hands and feet
  • Impotence or erectile dysfunction

With gestational diabetes, there are often no symptoms. If you do have symptoms, they might include:

Pregnancy causes most women to have to urinate more often and to feel hungrier, so having these symptoms does not always mean that you have gestational diabetes. But it is important to get tested, because high blood sugar can cause problems for both you and your baby.

How Is Diabetes Treated?

Diabetes can’t be cured, but it can be treated and controlled. The goals of managing diabetes are to:

  • Keep your blood sugar levels as close to goal as possible by balancing food intake with diabetes medication and physical activity .
  • Maintain your blood cholesterol and triglyceride (lipid) levels as near their normal ranges as possible by following a healthy eating plan low in processed foods, added sugars, and saturated fat. A medication may also be needed.
  • Control your blood pressure. Your goal should be to keep your blood pressure below 130/80.

You hold the key to managing your diabetes. Work with your doctor to build a diabetes treatment plan that will guide you in:

  • Planning what you eat and following a balanced meal plan
  • Exercising regularly
  • Taking medicine, if prescribed, and closely following the guidelines on how and when to take it
  • Monitoring your blood glucose and blood pressure levels at home
  • Keeping your appointments with your health care providers
  • Getting lab tests when needed

Remember: What you do at home every day affects your blood sugar more than what your doctor can do every few months during your checkups.

Continued

For more detail, see WebMD’s article Treating Type 2 Diabetes.

WebMD Medical Reference Reviewed by Michael Dansinger, MD on March 25, 2017

Sources

American Diabetes Association: “Recently Diagnosed.”

National Diabetes Information Clearinghouse (NDIC): “Diabetes Overview.”

National Diabetes Education Program: “About Diabetes and Pre-diabetes.”

Saaddine, J. Annals of Internal Medicine. 2006.

© 2017 WebMD, LLC. All rights reserved.


Home Security in Charlotte, Mecklenburg, North Carolina #home #security #charlotte, #north #carolina, #nc, #home #alarms,


#

Home Security Charlotte

The City of Charlotte, NC

Charlotte, North Carolina, located in Mecklenburg County, has a population of 745,596. The population has increased 30 percent since 2000. The average temperature in January is 42 and 80 in July. The city is made up of 290,820 households, with an average household size of 2 people. Charlotte households include around 365,029 men and 380,570 women. In Charlotte, 39 percent of its citizens are married and of the 290,820 households, 60 percent are families with two or more people living in the home. Approximately 33 percent of residences have one or more children living at home. The median age of Charlotte residents is 33 years. The region is home to many Charlotte Bobcats sport fans. With a carbon monoxide index of 113, amidst growing concerns about health, we highly suggest guarding the lives of your family with a carbon monoxide system.

Crime in Charlotte, North Carolina

The local Charlotte, North Carolina crime index is 211. compared to the national crime index risk score of 100. Scores are based on demographic and geographic analyses crime over seven years. Every 14 seconds a burglary occurs in the United States. On average homes are three times less likely to be broken into when there’s an alarm system installed. Having a home security system is essential for residents living in and around Charlotte. One in four Charlotte homes may be burglarized in a year’s time with an average loss of more than $1,700. This could be higher in some areas of North Carolina home security systems save money and lives.

Security Risks for People Living in Charlotte, North Carolina

With a higher threat of crime in Charlotte, we strongly recommend a Protection 1 security system for your home or business. Call 1 (866) 234-9412 to speak with a Security Solution Specialist and to arrange your FREE home security evaluation.

In addition to securing your home from thieves, a security system also provides the option to add 24-hour monitored smoke and fire detection, which works even when your system is disarmed. This not only saves lives and properties from damage, but typically provides potential discounts on homeowners insurance.

Protection 1 Home Security Monitoring in Charlotte, North Carolina

Our house alarm systems include constantly monitored home alarms, fire alarms and considerably more. Numbering over 20,000, our team of security professionals includes professional installers, experienced service technicians and knowledgeable customer service representatives providing first class home security and business security services for you every day.

As the largest security company serving Charlotte, we offer the best local home security that Charlotte residents rely on every day. A home security system is only as good as the people who monitor your security system. Be sure to do your research and check with the local Better Business Bureau before picking a home security company for your Charlotte home security needs.

We are accredited by the Better Business Bureau and also maintain an A+ BBB rating by looking after our customers with care. This includes answering over 20 million calls for assistance every year.

Our customer support is available 24/7 by Phone, Email and Live Chat.

Charlotte North Carolina Area Information

Copyright ADT LLC dba ADT Security Services. All rights reserved. ADT, the ADT logo, Protection One, the Protection 1 logo, and the product/service names listed in this document are marks and/or registered marks. Third party marks are the property of their respective owners. License information available at www.ADT.com or by calling 800.ADT.ASAP. CA ACO7155, 974443, PPO17232; FL EF0001121; LA F1639, F1640, F1643, F1654, F1655; MA 172C; NC Licensed by the Alarm Systems Licensing Board of the State of North Carolina, 7535P2, 7561P2, 7562P10, 7563P7, 7565P1, 7566P9, 7564P4; NY 12000305615; PA 090797; MS 15019511

Charlotte North Carolina Population by Age

Local Crime Statistics

Charlotte North Carolina Personal Crime Risks

The Personal Crime Risk in Charlotte, NC is 1.97x the National Average of 100.

Charlotte Personal Crime Risk Index (197 )

Local Crime Statistics

Charlotte North Carolina Burglary Crime Risks

The Burglary Crime Risk in Charlotte, NC is 2.2x the National Average of 100.

Charlotte Burglary Risk Index (220 )

Local Crime Statistics

Charlotte North Carolina Property Crime Risks

The Property Crime Risk in Charlotte, NC is 1.91x the National Average of 100.

Charlotte Property Risk Index (191 )

Local Crime Statistics

Charlotte North Carolina Murder Crime Risks

The Murder Crime Risk in Charlotte, NC is 1.4x the National Average of 100.

Charlotte Murder Risk Index (140 )

Local Crime Statistics

Charlotte North Carolina Robbery Crime Risks

The Robbery Crime Risk in Charlotte, NC is 2.71x the National Average of 100.

Charlotte Robbery Risk Index (271 )

Local Crime Statistics

Charlotte North Carolina Assault Crime Risks

The Assault Crime Risk in Charlotte, NC is 2.48x the National Average of 100.

Charlotte Assault Risk Index (248 )

Local Crime Statistics

Charlotte North Carolina Auto Theft Crime Risks

The Auto Theft Crime Risk in Charlotte, NC is 1.61x the National Average of 100.

Charlotte Auto Theft Risk Index (161 )

Local Crime Statistics

Charlotte North Carolina Rape Crime Risks

The Rape Crime Risk in Charlotte, NC is 1.47x the National Average of 100.

Charlotte Rape Risk Index (147 )

Home Security Report

Charlotte North Carolina Personal Crime Risks Report

Charlotte, NC Home Security Systems provide safety from personal crime risks
including rapes, murders, assaults and robberies in Charlotte.

Home Security Report

Charlotte North Carolina Crime Index and Security Stats

Monthly service charge requires you to sign a minimum of a 36 month monitoring contract (may be longer based on specific offer) starting at $55.99 per month (36-month total starting at $1,979.64). Protection 1 service is not available in all areas. Offer applies only to new customers with satisfactory credit rating. Additional charges apply for non-electronic funds transfer and credit card customers. Customer must be the homeowner. Equipment to remain the property of Protection One.

Customer has 14 days from date that equipment was shipped to terminate the agreement and all services by returning the equipment in its original packaging and in like new condition. If customer returns within 14 days they will owe Protection 1 a $79 restocking fee. Monthly service charge requires you to sign a minimum of a 36 month monitoring contract (may be longer based on specific offer) starting at $44.99 per month (36-month total starting at $1,619.64). Offer applies only to new customers with satisfactory credit rating. Offer requires customer to sign up for payment via Automated Clearing House (also referred to as ACH). Customer must be the homeowner. Equipment to remain the property of Protection One until end of initial 36 month term, at which time the customer owns the equipment.

This information is provided for general informational purposes only and should not be relied on in making any buying decisions. School information does not guarantee enrollment. Contact the local school district(s) for current information on schools. This information is not intended for use in determining a person’s eligibility to attend a school or to use or benefit from other city, town or local services.

Community information and market data provided by Onboard Informatics. Copyright 2017 Onboard Informatics. Information is deemed reliable but not guaranteed.


What to Expect when Applying for a Commercial Mortgage Loan: Part 1 #home #mortgage #refinancing


#commercial mortgage

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What to Expect when Applying for a Commercial Mortgage Loan:
Banks and Private Alternatives
Part 1

If you have never borrowed money for your business before, you may be in for a surprise. Whether you want to borrow working capital to expand your business or leverage equity in a commercial real estate venture, you will soon find out the commercial loan process is very different from the more common home mortgage process. Commercial loans, unlike the vast majority of residential mortgages, are not ultimately backed by a governmental entity such as Fannie Mae. Consequently, most commercial lenders are risk-averse; they charge higher interests rate than on a comparable home loan. Some lenders go a step further, scrutinizing the borrower’s business as well as the commercial property that will serve as collateral for the loan. This means that the business borrower should have different expectations when applying for a loan against his commercial property than he would have for a loan secured by his or her primary residence.

Following is a list of questions the borrower should ask himself and the lender before applying for a commercial loan.

1. How am I going to meet the loan repayment terms?

Typically, bank loans require the borrower to repay his or her entire business loan much earlier than its stated due date. Banks do this by requiring most of their loans to include a balloon repayment. This means the borrower will pay interest and principal on his 30-year mortgage at the stated interest rate for the first few years (generally 3, 5 or 10 years) and then repay the entire balance in one balloon payment.

Many borrowers do not save enough in such a short time frame, so they must either re-qualify for their loan or refinance the loan at the end of the balloon term. If the business happens to have any cash-flow problems in the years immediately preceding the balloon term, the lender may require a higher interest rate, or the borrower may not qualify for a loan at all. If this happens, the borrower runs the risk of being turned down for financing altogether and the property may be in jeopardy of foreclosure.

A balloon loan has other risks as well. If the borrower’s business is in a “risky” industry at the time the balloon is due (think of the oil and gas bust in the 1980s or the telecom implosion of the 2000s), the lender may back out of all refinancing for the enterprise. Alternatively, a lender simply may decide its loan portfolio has too many loans in a given industry, so he will deny future refinancing within that trade.

Non-bank lenders generally offer less stringent credit requirements for commercial loans. Some non-bank lenders will make long-term commercial loans without requiring the early balloon repayment. These loans, which may carry a slightly higher interest rate, work like a typical home loan. They allow a steady repayment over twenty or thirty years. It is often worth paying a one- or two-point higher interest rate for a fixed-term loan in order to ensure the security of a long-term loan commitment.

2. How much can or should I borrow?

Most bank loans prohibit second mortgages, so the borrower should go into the loan process intending to borrow enough to meet current business needs, or enough to sufficiently leverage real estate investments. For a traditional acquisition loan in which the borrower is buying a new property, banks usually require a down payment of 20-25%. So for a $600,000 acquisition, the borrower will need to come up with $120,000-$150,000 for the down payment.

Some non-traditional loans will allow the borrower to make a smaller down payment, maximizing the loan-to-value (LTV) at 85-90%. Such loans are generally not bank loans, but are offered by direct commercial lenders or pools of commercial investors. If the customer wants to borrow the maximum amount possible, the interest rate on such loans may be a point or two higher than typical bank loans. Before deciding how much to borrow, potential borrowers should:

  • Evaluate how much cash they are likely to need
  • Analyze their ability to repay the loan as it is structured

Research has consistently shown that the number one reason behind the failures of most small businesses is the lack of adequate capital to meet cash-flow needs. Because of this it may actually be safer for a small business to leave a larger cushion against unforeseen events by borrowing more money at the slightly higher rate.

The amount of the loan requested has an effect on which commercial lenders will fund the loan. Small businesses borrowing less than $2,000,000 will visit a different pool of potential lenders than those seeking loans of over $5 million. Small business loans are generally made by direct commercial lenders (easily located by internet searches) or by small local banks. Larger loans are generally made by regional banks, and very large loans are made by mega-banks or Wall Street lenders.


1 Direct Mortgage Lender – Ranked among Best Mortgage Brokers for Getting A Mortgage #mortgage


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When you shop for a new home. or decide to refinance. you need answers, not sales pressure. At Direct Mortgage Loans, we know you have questions: How much home can I afford, how much down payment will I need, how long will it take to close ?

Our loan professionals are just a phone call away – ready to answer your questions, advising how to get the best rates and explaining the importance of getting pre-qualified for your home purchase. Being pre-qualified positions you as a strong buyer in today’s competitive market.

Our licensed mortgage loan originators can help you complete the majority of the mortgage process before looking for your new home. Working together, you will understand the types of loan purchase loans available, loan to value ratios, fixed versus adjustable loans and whether you’ll need mortgage insurance.

As you can see, rate is important, but there are many factors that contribute to a successful home purchase or refinance.

Figuring out if you are ready to buy a home can be one of the most difficult things to think about. There might have been a time when you thought you were ready, only to find out that a situation would set the plan aside. Deciding on it becomes hard work when you see that [ ]

Contacting Direct Mortgage Loans is Easy

888-604-2525

Contacting Direct Mortgage Loans is Easy

888-604-2525

Contacting Direct Mortgage Loans is Easy

888-604-2525


Livrare pizza la domiciliu non stop, comenzi pizza, pizzerie nonstop Bucuresti, livrari mancare acasa, comanda


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Comanda minima 30 RON

Stefan cel Mare. Tunari, Vasile Lascar. Calea Mosilor, Lizeanu, Popa Nan, Foisorul de foc, Bdul Regina Elisabeta, Bdul Regina Maria, Bdul Unirii, Berzei, Buzesti, Iancu de Hunedoara, Maresal Averescu, Turda. Calea Grivitei, Calea Plevnei, Mircea Eliade, Ceaikovski, Bdul Primaverii, Constantin Prezan. Barbu Vacarescu, Elena Vacarescu, Pipera, Dimitrie Pompeiu. Alexandru Serbanescu, Nicolae Caranfil, Floreasca, Petricani, Doamna Ghica, Lacul Tei, Colentina, Bucuresti-Ploiesti, Aerogarii, Nordului, Aviatorilor, Poligrafiei, Dorobanti, Ion Mihalache. Baicului, Ficusului, Kisselef, Marasti

Pentru comenzi in afara zonelor de livrare se percepe o taxa de transport.
Pizzeria Romea isi rezerva dreptul de a refuza anumite comenzi.

Pizzeria Romea isi rezerva dreptul de a stabili o comanda minima in functie de zona de livrare.

Web design:

Pizzeria Romea este o pizzerie non stop din Bucuresti cu livrare de mancare la domiciliu. Onoram livrari de mancare la domiciliu in zonele mentionate din sector 1, sector 2 si sector 3, iar comanda de mancare pentru acasa minina este stabilita in functie de zona. Pentru comenzi de pizza la domiciliu, salate, paste in zone din sector 4, sector 5 si sector 6 facem livrare pizza, salate si paste la care se percepe o taxa de transport.

Cu retete originale am pastrat temperamentul grecesc si aroma bucatariei italienesti prin produsele noastre care se prepara cu ingrediente intotdeauna proaspete. Pizzeria Romea foloseste retete de pizza traditionale italienesti ce confera un blat de pizza subtire si crocant. Onoram comenzi de mancare pentru acasa si birou incluzand pizza, salate, paste, crostini, deserturi si bauturi racoritoare. Oferim periodic promotii atragatoare privind comanda de pizza cu livrare acasa, iar momentan promotiile nostre sunt:

NOU Incepand cu 15 Noiembrie a.c. livrari la domiciliu NON STOP de mancare ( pizza, paste, salate, specialitati, deserturi) si bauturi racoritoare si alcoolice

1. Comanzi 3 pizza si primesti 1 GRATIS*
2. Comanda 2 pizza mari si primesti 2 racoritoare cadou (Cola sau Fanta 0.33 L )
3. Meniu special la doar 19 ron (vezi rubrica “MENIURI “)