Home Loans – Capitol Federal #mortgage #protection #insurance


#federal home loan bank

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Home Loans

rick jackson, chief lending officer, discusses the current housing market

Executive Vice President Rick Jackson, CLO, shares his thoughts on housing prices, demand, Capitol Federal’s local loan servicing and why 2016 is a great year to buy a house.

Check back often to learn more about the economy, finances, housing and our True Blue® traditions by watching our CapFed® series of videos, here on capfed.com. These short snippets of video will provide insights to help you make more informed decisions as you make your way through 2016 and beyond. Both our Executive Team and our employees will be featured, telling you what you need to know and what’s to come. We are excited to share what it means to be True Blue.



Interest Only Home Loans – Bankwest Interest Only Mortgage Options #estimate #mortgage #payment


#interest only mortgage

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interest only home loans

Looking for an effective finance strategy for your investment home loan? An interest only home loan could be the solution to fund your investment property.

If you are looking to invest in property – or are already an investor – an interest only mortgage limits your monthly repayments to just the interest.

The flexibility you get with an interest only investment loan can provide you greater control over your cash flow. With Bankwest this could allow you to make additional principal repayments when you have the available funds, or redirect your money to other investments.

why go interest only?

  • smaller monthly payments
  • free up cash flow
  • flexible payment schedule

Take into consideration:

The principal on the property is not reduced and when your term is up, you will have to pay it off. Make sure your future finances can support this.If you need help working out how much you can take out in a home loan and the respective monthly repayments, take a look at Bankwest’s handy online borrowing power calculator repayments calculator.

Interest only mortgages can also be a part of your investment property strategy, potentially providing tax and gearing benefits.

See which home loan best fits your needs with our product comparison tool.

2016 Copyright Bankwest, a division of Commonwealth Bank of Australia (Bankwest) ABN 48 123 123 124 AFSL / Australian credit licence 234945. All rights reserved. To use this Website, you are required to read the Financial Services Guide (which you agree to be provided by accessing the link). Bankwest is a division of Commonwealth Bank of Australia, which is the product issuer unless otherwise stated. Rates stated are subject to change without notice. Any advice given does not take into account your objectives, financial situation or needs so please consider whether it is appropriate for you. For deposit and payment products, please ensure you read and consider the Product Disclosure Statement (which you agree to be provided through this link) before making any decision about the product(s). For lending products, lending criteria and fees and charges apply. Terms and conditions apply and are available on request.

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Loans – Apply for personal loan, home loan, car loan at #mortgage #affordability #calculator


#house loan

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Low Interest Rate Loan Offers in India:

The dictionary defines a loan as thus, ‘a thing that is borrowed, especially a sum of money that is expected to be paid back with interest’ and rightfully so, our entire civilization is built on the concepts of loaning and paying back. In modern day India, the middle class has emerged as an average marketer’s dream target, the playground for companies that deal in consumer products and consequently, the numero uno customer for the massively available loans. From homes to education, vehicles to vacations, if there is an expenditure angle involved, then there is a loan for it.

In terms of sheer volume and popularity, the banks have segregated the concept of loaning into various types. There is the personal loan. and as its name so aptly suggests, is an influx of monies that the receiver can use for whatever personal requirement or monetary contingency that he/she might have. Not surprisingly, a home loan and car loan is intended for the purchase of a home and a car respectively, while an education loan helps the borrower cope with the high prices for a competent education these days. In India, almost all private and public sector banks count the aforementioned loan products as hot commodity in their respective portfolios and competition is ripe to attract a prospective customer’s undivided attention. From varying interest rates to relaxed loan tenures, poaching strategies like the concept of home loan transfer- the shifting of home loan from one lender to another who offers a lower interest rate, to heavy discounts and offers, the string of available loan options are many.

How can anybody discriminate between these available choices? Explore, Bankbazaar.com.

Why Apply for a Loan at BankBazaar.com?

The urbane loan comparison website, BankBazaar, helps you sort through a plethora of probable loan options, through a simple and eye-pleasing interface, that is focussed on bringing both the pros and cons of the associated loan plan, on the proverbial table for your inspection. Why apply for a loan with BankBazaar? The following reasons form the crux of our offering to you-

  1. One Stop Shop for Multiple Products: Looking for a personal, home or car loan? Bankbazaar offers multiple competent choices in each case, based on your specific requirements.
  2. Lowest Interest Rates: Our association with market leaders like HDFC Bank, Axis Bank and ICICI Bank help us score the lowest interest rates on personal, car or home loans for you.
  3. Get Instant Quotes: Filling up a simple online form helps us evaluate the perfect loan options for you. Rather than spending a substantial amount of time in finding the right cut, relax, have some coffee.
  4. Simple Online Comparison: Various parameters are in play when loans are compared against each other for your specific suitability- rate of 4. interest, EMI, processing fees, customer feedback etc. With BankBazaar, never end up with an option that hasn’t been properly and profusely vetted.
  5. Transparent Workings: BankBazaar isn’t a mediator, a promoter or in cahoots with any bank. Our assessment of the available loan options for you is always impartial and objective, such that you have every last shred of information to make that informed decision.
  6. Privacy: We treat your personal information with the highest of regards. The information you provide is only shared with your chosen lender, and never shared with a third party for any reason whatsoever.
  7. Trust: Top banks in India like HDFC, ICICI and Axis Bank swear by the Bankbazaar name. Our reliable online technology has been powerfully adopted by these lenders to provide their customers the best loan experience on their own websites.

How to get a Loan in India through BankBazaar.com?

Applying for a loan on Bankbazaar be it a personal loan, car or home loan, is a simple and intuitive process. The following lists the various steps involved-

Step 1- On Bankbazaar.com’s homepage, access the navigational menu that is located at the top of the page and select the LOANS menu item. Next, select from the various loan options on offer. The choices include Personal Loan, Home Loan, Car Loan, Used Car Loan and Education Loan. Choose the option that is relevant to you by hovering your cursor over it. Spread before you are some popular loaning banks (with regards to the loan option selected) and the friendly ‘Get Quote ’ and ‘Explore ’ buttons. Clicking on either of these will open up a neat interface with a bunch of simple questions. Simply provide the requisite information and follow the simple wizard by responding to the various prompts. Next, spread before you are the various applicable loan options. It’s time to choose!

Alternatively, choosing the lender directly from this menu will allow you to properly check the features and benefits associated with this lender. The ‘Apply Now ’ option takes this step further.

Step 2- You must compare between the various loan options before you and select the one that most appeals to your requirements and budget.

Step 3- After the submission of the online application, you will receive an instant e-approval from BankBazaar. This application is next transferred to your chosen bank from wherein a customer support executive will get in touch with you within a short duration of time. Meanwhile, you can track your application through SMS alerts and email.

Simple? Actually, it’s the coming together of various factors that help compare the different loan options available to you. Subscribing to BankBazaar helps save your time, money and efforts, while assuring you the best loan options that specifically address your exclusive requirements.

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Jumbo Mortgage Loans – Jumbo Loan Refinance – Wells Fargo #hamp #mortgage


#jumbo mortgages

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Jumbo Financing Options

If you have a higher property value and can manage larger monthly mortgage payments, consider a jumbo, or non-conforming. loan. A jumbo loan provides financing for loan amounts higher than the maximum conforming limits set by Fannie Mae and Freddie Mac. A conforming first mortgage plus a home equity line of credit may provide greater payment flexibility. Both are available for purchase and refinance loans (including cash-out refinances ).

Jumbo loan

Mortgage + home equity financing

  • A “non-conforming ” loan with mortgage amounts above the maximum conforming loan limits.
  • Available in a variety of fixed-rate and adjustable-rate loan options.
  • You may be able to add extra mortgage features, such as a temporary buydown .
  • This loan pairs a “conforming ” first mortgage with a home equity line of credit.
  • The first mortgage is available in a variety of fixed-rate and adjustable-rate loan options — the home equity line of credit has a variable interest rate .
  • You may be able to add extra mortgage features, such as a temporary buydown.
  • Obtain financing for loan amounts higher than the Fannie Mae and Freddie Mac conforming limits.
  • Get the convenience of one loan for the entire loan amount.
  • Choose from a variety of loan options.
  • Access additional potential benefits through our Private Mortgage Banking (PMB) group.
  • Have ongoing access to your available equity without reapplying.
  • Choose to advance funds at the line of credit variable rate or advance funds and lock in your rate with a fixed-rate advance.
  • You build equity at a slower pace because payments during the first several years go largely toward interest rather than the principal balance.
  • You will have to make two separate monthly payments.
  • With the variable interest rate on your line of credit balance, your monthly payments may increase or decrease as interest rates fluctuate.

Mortgage financing
1-877-937-9357
Mon – Fri: 7 am – 9 pm
Sat: 8 am – 6 pm
Sun: 10 am – 6 pm
Central Time

Mortgage customer service
1-800-357-6675
Mon – Fri: 6 am – 10 pm
Sat: 8 am – 2 pm
Central Time

Home equity financing
1-888-667-1772
Mon – Fri: 24 hours a day
Sat: 2 am – Sun: 1 am
Sun: 2 am – Midnight
Central Time

Home equity loan and line customer service
1-866-820-9199
Mon – Fri: 7 am – 7 pm
Sat – Sun: 8 am – 4:30 pm
Central Time

Equal Housing Lender

  • Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.
  • Non-conforming mortgage loans
    Loans that do not satisfy the underwriting guidelines and loan amount limits set by Fannie Mae and Freddie Mac.

    Fannie Mae and Freddie Mac
    Congressionally chartered, shareholder-owned corporations that were created to help support a reliable and affordable supply of mortgage funds. They buy mortgages from lenders for their portfolios or to sell as packaged securities.

    Conventional conforming mortgage
    A mortgage that is not obtained under a government program (FHA or VA) and satisfies the underwriting guidelines and loan limits set by Fannie Mae or Freddie Mac.

    Variable interest rate
    An interest rate that may fluctuate or change periodically, often in relation to an index, such as the prime rate or other criteria. Payments may increase or decrease accordingly.

    © 1999 – 2016 Wells Fargo. All rights reserved. NMLSR ID 399801


    Home Loans – Capitol Federal #karls #mortgage #calculator


    #federal home loan bank

    #

    Home Loans

    rick jackson, chief lending officer, discusses the current housing market

    Executive Vice President Rick Jackson, CLO, shares his thoughts on housing prices, demand, Capitol Federal’s local loan servicing and why 2016 is a great year to buy a house.

    Check back often to learn more about the economy, finances, housing and our True Blue® traditions by watching our CapFed® series of videos, here on capfed.com. These short snippets of video will provide insights to help you make more informed decisions as you make your way through 2016 and beyond. Both our Executive Team and our employees will be featured, telling you what you need to know and what’s to come. We are excited to share what it means to be True Blue.



    Mortgage – FHA Loan and VA Loan – Wells Fargo #mortgage #online


    #fha mortgage rate

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    FHA and VA Home Loan Programs

    • Available in a variety of fixed-rate and adjustable-rate loan options.
    • Has down payment options as low as 3.5%.
    • May allow you to use a gift or grant for all or a portion of the down payment or closing costs.
    • Lets you add extra features such as a temporary buydown .
    • You typically have to pay upfront and monthly FHA mortgage insurance premiums.
    • Provides financing for qualified veterans, reservists, active duty personnel, or eligible family members.
    • Available in a variety of fixed-rate and adjustable-rate loan options.
    • Allows closing costs to come from a gift or grant.
    • Has low-and-no-down payment options
    • Lets you add extra features such as a temporary buydown .
    • Requires less cash upfront for your down payment and closing costs.
    • Available for all income levels.
    • Allows a new buyer to take over the loan if you sell your home (subject to loan approval).
    • Allows a co-applicant to help you qualify even if the person doesn’t live in the home.
    • Provides a wide range of rate, term, and cost options.
    • Doesn’t require monthly mortgage insurance .
    • Provides the potential for minimal out-of-pocket expenses with seller contributions.
    • An FHA loan has the benefit of a low down payment but there are other loan products with the same option.
    • Be certain to ask your home mortgage consultant to help you compare the overall costs of all products, including the monthly and long-term costs and conditions of the required mortgage insurance.
    • You can typically only have one FHA mortgage at a time.
    • In many instances, you may find an FHA loan to be a more expensive financing option and should be considered after thoroughly evaluating all other product options that meet your credit qualifying and financial needs.
    • With a VA loan, you typically have to pay a one-time VA funding fee that can be financed into the loan amount.
    • You can get financing for your primary residence only.

    Mon – Fri: 7 am – 9 pm
    Sat: 8 am – 6 pm
    Sun: 10 am – 6 pm
    Central Time

    Mortgage customer service

    1-800-357-6675
    Mon – Fri: 6 am – 10 pm
    Sat: 8 am – 2 pm
    Central Time

    Home equity financing

    Mon – Fri: 24 hours a day
    Sat: 2 am – Sun: 1 am
    Sun: 2 am – Midnight
    Central Time

    Home equity loan and line customer service

    1-866-820-9199
    Mon – Fri: 7 am – 7 pm
    Sat – Sun: 8 am – 4:30 pm
    Central Time

    Equal Housing Lender

  • Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.
  • FHA mortgage insurance
    Insurance provided by the FHA that protects approved lenders against loss if a borrower defaults on an FHA loan. The cost is typically paid by the borrower as upfront and monthly premiums. Amount and terms of insurance paid vary.

    Mortgage insurance
    Insurance that protects the lender against loss if a borrower defaults on a loan. Mortgage insurance is usually required if the down payment is less than 20% of the purchase price.

    VA funding fee
    You are typically required to pay a one-time funding fee on VA loans. This fee ranges from 0.5 to 3.30 percent, depending on your service type, prior use of VA eligibility, and type of loan transaction.

    © 1999 – 2016 Wells Fargo. All rights reserved. NMLSR ID 399801


    Home Loan Rate, Home Loan Interest Rates, Housing Loan Interest Rates – ICICI Bank #mortgage


    #home loan rate

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    Home Loan Interest Rate*

    Disclaimer :
    All ICICI Bank floating rate home loan is benchmarked to I-MCLR-1Y. Effective Aug 01, 2016 I-MCLR-1Y is 9.10%
    Processing Fee applicable is 0.5% of loan amount plus applicable service tax.
    *Valid till September 30, 2016.

    **Woman borrower should be the main applicant to the loan and she should be either owner or co-owner in the property being financed.

    # Weaker section as defined by RBI under Priority sector loans classification including SC and ST

    Non – Home Loan Interest Rate

    Indicative lending rate for Non Home Loan 12.00% onwards.

    Non-Home Loan includes Top-up Loan, Loan Against Property residential and commercial, Office Premises Loan etc.

    Home Loan Repayment Options

    ICICI Bank offers convenient repayment options to its customers. Please click here to know more about repayment options available for ICICI Bank Home Loans.

    • Internet Banking
      Explore the power of simpler and smarter banking. Bank online with over 250 services
    • Mobile Banking
      Bank on the go with our Mobile Banking services. Download app or use SMS
    • Pockets by ICICI Bank
      VISA powered Universal payment wallet. Download today
    • Find ATM/Branch
      Bank 24/7 through a widespread network of over 4,450 branches and 14,240 ATMs

    Byte Software – Mortgage Loan Origination Software #loan #mortgage


    #mortgage software

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    Over 1,000 Organizations Trust BytePro Loan Origination Software

    Our clients range from multi-state lenders originating thousands of loans per month to small organizations originating just a few. Whether your business is retail, wholesale or correspondent lending, we have solutions to meet your needs.

    Our Strengths

    Workflow BytePro can be customized to meet the unique workflow needs of your business. Our solutions can be used to support retail, wholesale, and correspondent channels. Compliance BytePro helps you avoid costly mistakes with comprehensive compliance features such as real time compliance checks, HUD-1 fee tolerance tracking, fraud reports, and audit trails. Service At Byte Software we are completely dedicated to ensuring that our clients succeed by getting the most out of our solutions. That’s service you can trust.

    Our Products

    BytePro Online BytePro Online is our enterprise-class LOS that is hosted in our data center, making it ideal for organizations with limited IT resources. We take care of storing your information and updating the application. BytePro Enterprise BytePro Enterprise is our enterprise-class LOS that is installed locally on your own network. You maintain full control of the application and data. BytePro Standard BytePro Standard is our limited version LOS that is designed especially for smaller organizations and mortgage brokers.

    Our History

    Byte Software has a long history in the mortgage industry. We were founded in 1985 and initially catered to mortgage brokers, community banks and credit unions. Over the years we’ve grown to provide mortgage lenders of all sizes the tools they need: document imaging, secondary marketing, web portals, compliance audits, and much more.

    Schedule a Demo Today


    Personal Loans – Wells Fargo #home #loan


    #loan rate

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    Personal Loans

    Annual percentage rate (APR) assumes excellent borrower credit history, ability to repay the loan, and a special relationship discount of 0.50% which requires a qualifying Wells Fargo consumer checking account and enrollment in automatic payments. Loan APRs vary by amount borrowed, term selected, credit history, and ability to repay. Your actual APR may end up higher than the rate shown. The maximum APR for a $10,000, 3-year term loan is 19.99%.

    Ready to apply?

    Best if viewed on a desktop, laptop or tablet device.

    Apply today or contact a Wells Fargo Loan Specialist at 1-888-667-5250

    Whether you want to consolidate high-interest rate balances, fund a special purchase, or cover a major expense, a Wells Fargo Personal Loan is a great financing option.

    Benefits of a Personal Loan

    A personal loan makes it easy for you to put your financial plan into action. Benefits of a personal loan include:

    • Fixed rate, fixed term, and fixed monthly payments
    • No origination or prepayment fees
    • Relationship discounts may be available for customers with qualifying Wells Fargo consumer checking accounts
    • Competitive Annual Percentage Rate (APR) for the life of the loan
    • No collateral required to qualify
    • Loan amounts from $3,000 to $100,000
    • Credit decision in as little as 15 minutes and often same-day access to funds

    Benefits of a Time Account (CD)/Savings Secured Loan

    If you have a Wells Fargo Time Account (CD) or Savings Account, you can use it as collateral for a personal loan to get a lower annual percentage rate (compared to an unsecured loan) without touching your savings. Please note the amount in your collateral account equal to the full amount of the loan will not be available for use until the Time Account (CD)/Savings Secured Loan is paid in full.

    Why get a Wells Fargo Time Account (CD)/Savings Secured Loan?

    • Immediate funding. You may access your funds the next business day after credit approval.
    • Preserve savings. You can continue earning interest on your savings and avoid early withdrawal penalties on time accounts (CDs).
    • Lower interest rate. You may get a lower annual percentage rate by providing approved collateral (such as a Wells Fargo CD) to secure your loan.
    • Fixed term and rate. You know exactly how much you’ll pay each month, making it easy to budget.
    • Loan amounts from $3,000 to $250,000
    • $75 origination fee

    Debt Pay Down Solution ®

    Wells Fargo’s Debt Pay Down Solution offers a simple way to help you pay down your high-interest debt — faster than you thought you could.

    The Great Rate Event special relationship discount is available on applications submitted 07/01/2016 through 09/30/2016. To qualify for a relationship discount, you must maintain a PMA ® Package or a qualifying Wells Fargo consumer checking account and make automatic payments from a Wells Fargo deposit account. The relationship discount is 1.00% for PMA Package customers and 0.50% for qualifying consumer checking account customers. Only one relationship discount may be applied per application. To learn which accounts qualify for the discount, please consult a Wells Fargo banker. If automatic payments are not selected, or are canceled for any reason at any time after account opening, the interest rate and the corresponding monthly payment may increase.

    The Annual Percentage Rate (APR) will be based on the specific characteristics of your credit application including, but not limited to, evaluation of credit history, amount of credit requested, and geographic location. Your actual APR will be determined when a credit decision is made and may be higher than the lowest rate available. At least 5% of approved applicants qualified for the lowest rate available based on data from 04/01/2016 to 06/30/2016. The interest rate is fixed for the life of the loan. Loan terms can range from 12 to 60 months depending on the loan amount.

    New credit accounts are subject to application, credit qualification, and income verification. Before you apply, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you. Consolidating multiple loans means you’ll have a single payment each month for that combined debt but it may not reduce or pay your debt off sooner. The payment reduction may come from a lower interest rate, a longer loan term or a combination of both. By extending the loan term you may pay more in interest over the life of the loan. By understanding how consolidating your debt benefits you, you’ll be in a better position to decide if it is the right option for you.

    • Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

    © 1999 – 2016 Wells Fargo. All rights reserved. NMLSR ID 399801