Reverse Mortgage Leads, Reverse Mortgage Live Transfers, cash call mortgage.#Cash #call #mortgage


Cash call mortgage

Cash call mortgage

/ Know Your Lead Company

Digitally ingenious enthusiasts driven by quality thrilled clients.

Cash call mortgage

Established a decade back, Inspirecs has been serving the market with allegiance and efficacy to add to the expansion of the businesses around the world. Inspirecs has been running shoulder to shoulder with

Cash call mortgage

Our team is our greatest asset and the major differentiator. We are passionate about results, and also believe in having a lot of fun along the way. We are passionate about delivering results to our clients.

Cash call mortgage

We are a globally trusted brand in the Lead generation market. Partnering with us will give you a direct access to extensive networks in important global markets, and expertise in Live and data leads.

Type of Leads

Cash call mortgage

Debt Settlement Live Transfers

Inspirecs.com offers Double Verified Debt Settlement Live transfers, Debt live leads

Cash call mortgage

Loan Modification Live Transfers

Inspirecs offers Double Verified Loan Modification Live Transfers

Cash call mortgage

Cash Advance Live Transfers

Inspirecs.com offers Double Verified Merchant Cash Advance leads

Cash call mortgage

Pay Day Loan Live Transfers

Inspirecs.com offers Double iLead Pay Day Loan live transfers which have been

Cash call mortgage

We offers Double Verified Mortgage Live transfers, Mortgage batch leads

Cash call mortgage

Auto Warranty Live Transfers

If you have purchased Internet leads, Live Transfer Leads, PPC Leads

Cash call mortgage

Tax Debt Settlement

Inspire Center Solutions has a variety of real time and live transfer leads on offer

Cash call mortgage

Bankruptcies are becoming quite common in the United States what with rising

Cash call mortgage

Reverse Mortgage Live Transfers

Inspirecs.com has seen a substantial rise in Reverse Mortgage Live Transfers

Cash call mortgage FHA Mortgage Live Transfers

FHA mortgage live transfers can be obtained from vast source of data base

Cash call mortgage

VA Mortgage Live Transfers

VA mortgage live transfers are hot property today for the simple reason being

Cash call mortgage

Credit Repair Live Transfers

With bankruptcies and debts piled up on most heads in America, good credit

Call us Today For Our Reverse Mortgage Leads

+1-800-986-9315

Or To Know More Check Out Our Reverse Mortgage Leads Video

Our Services

Cash call mortgage

Each and every Lead that is sent to our customers passes through our proprietary

Cash call mortgage

Each and every Lead that is sent to our customers passes through our proprietary

Cash call mortgage

Your portal and storefront are just the tip of the iceberg. The real potential

Cash call mortgage

Inspirecs offshore software development services are intended to serve businesses

Cash call mortgage

Search Engine Optimization

Search Engine Optimization, popularly known as SEO, is a set of methods

Why US

Inspirecs.com is in the business of Double Verified Live Lead Generation for Reverse Mortgage Live Transfers, Debt Settlement Companies, Debt Consolidation Companies, Mortgage Live Transfers Loan Modification Companies, Loss Mitigation Companies, Business Cash Advance Companies, Auto Warranty Live Transfers, Tax Debt Settlement Live Transfers, Bankruptcy Live Transfers, Home Security Live Transfers, Credit Repair Live Transfers, Banks and several other conglomerates who feel the need of telemarketing throughout the United States. With more than 10 years experience in Live Transfer Generation, our founders bring a unique, proprietary process to the industry.

Cash call mortgage

/ Testimonials

Excellent, professional work – more than happy to do future business with Inspire Center Solution.

I have found a lead source that is great. A little pricey but they are Double Verified live transfers, and well worth it. I have about 20 leads that I am sitting on that I have priced, and filled out 10 1003’s and counting. Company is very professional and definitely earned my business. I would recommend you to this great lead company. I am using a company called InspireCS. They proved to be a very good company. You can find out more by going to their website at www.inspirecs.com

I am writing to say how satisfied I am with Inspirecs regarding there lead quality. I have tried everything from internet leads and live transfers from other sources with out success. Inspirecs is the only source I would recommend, they are very fair on returns and the quality of the leads is very good. I would highly recommend them and plan to do more business with them. Here you defiantly get what you pay for and More.

Hello Alex, I love the leads, but my only concern is I want to be able to offer my clients good customer service, in order for me to do that, I would only like 5 leads each a day if possible.

I would recommend Inspirecs for all of your telemarketing/communications needs.

One of the very few lead generation companies I have come across that really delivers on its promises. Inspirecs’s Owner has a passion for lead gen business and he runs a very tight ship Best of Luck


Cash House Buyers USA, Sell Your Home Fast, Get Cash For Your Home Plano TX,


cash call mortgage

Cash call mortgage

Cash call mortgage

Cash call mortgageCash call mortgage Cash call mortgage

Cash House Buyers, USA

specializes in buying homes

on your schedule

Cash call mortgage

Cash call mortgage

Cash call mortgage

You complete the form in the upper right of this page.

Cash call mortgage

We contact you to obtain information about why you’re selling and get details about the home. During this call we answer any questions you have about how we work.

Cash call mortgage

We meet with you at the property and make you an offer.

Testimonials:

“Cash House Buyers, USA is an excellent company to work with . we were totaly satisfied with the whole team. They are professional and friendly and efficient. We highly recommend them.”

“Cash House Buyers USA provided consummate professional services and was extraordinarily helpful in every aspect of our doing business together. He was responsive and, most importantly, tremendously patient while I went through a very challenging time negotiating with family members to vacate my late parents’ home. The home was a distressed property in that major structural repairs were required and we received a very fair price for it. Cash House Buyers USA stuck with me through thick and thin for nine long months of family drama and negotiations and provided the counsel and encouragement I needed to finally get the deal to closure. I couldn’t have done it without him, he took care of every closing detail impeccably, and I will recommend him to anyone who needs to sell a distressed property. He wasn’t just a “buyer”, he was a true partner.”

Are you ready to sell your home? Read the articles below to improve your chance for success:

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We are a pipeline of cash house

buyers who are able to purchase and close within a week. Our house buyers buy any kind of home, any condition! Allow us to help you avoid foreclosure or tax liens. Our buyers are able to close in a matter of days and give you the cash you need! Has your home gotten too costly to repair? All it takes is filling out the information box and one of our professional agents will contact you.

Cash call mortgage

Cash House Buyers USA is a nationwide wholesale home buying company with one goal in mind: to provide a quick and convenient way for you to sell your home. Our professional real estate buyers specialize in buying homes no matter what the condition or circumstance. Cash House Buyers USA has real estate professionals all over the country, ready and waiting to buy your home. Although this is a business, our primary objective is to help you, no matter what your situation. Completing the contact form does not obligate or legally bind you to our services; additionally, we do not sell or transfer information to third parties. If you are looking to SELL A HOUSE, or SELL A HOME we can help. We are experienced HOME BUYERS that can assist you with HOME SELLING. We offer CASH for HOUSES and WE BUY HOUSES. If you are looking to SELL A HOUSE FAST, we are here to assist you and ensure you SELL YOUR HOME QUICKLY. Sell Your Home Fast, Get Cash For Your Home Houston TX, Sell Your Property Houston TX, We Will Buy Your Condominium Harris County TX, Sell Your Real Estate For Cash Dallas TX, Cash For Homes, Instant Cash For Your Home USA, Cash Offer Now For Your House, Cash Home Estimates, Quick Cash Home Sales Tarrant County TX, Sell Your Home For Cash Collin County TX, Houston Home Buyers, Sell My Home For Cash Now TX

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USDA Mortgage San Antonio – Cash Out Refinance, Rural Housing Loan, First Time Home Buyer


cash call mortgage

Cash call mortgage

If you are one of those home buyers who does not have the minimum down payment requirement with Conventional and USDA financing, then a USDA home mortgage loan may be for you.

USDA home mortgage loans are offered to help lower to moderate income households purchase homes in rural areas and in some cases on the outskirts of a city or in a medium sized town as determined by the United States Department of Agriculture (USDA) with NO DOWNPAYMENT requirement! USDA home mortgage loans offer many advantages to qualified borrowers looking to buy or refinance (no cash out) including:

  • 100% financing
  • No monthly mortgage insurance
  • No asset requirements
  • Gifts allowed for closing costs
  • Required property improvements can be financed into the loan up to 102% of the “improved” value, which can be completed after closing.

Eligible USDA property types include single family homes and condominiums (primary residence only). USDA does have some income and property eligibility requirements. Please Contact us to find out these limits in your area of interest.

Even though a mortgage insurance premium is not required, USDA charges a 2% funding fee to guarantee the mortgage, which may be financed into the loan.​

USDA Purchase Loans

How it Works

Cash call mortgage

USDA purchases are primarily designed to help low income individuals and households to purchase a home in rural areas. These loans do not require a down payment but do have income and property limitations. For more information please contact us.

Here at Mid America Mortgage, Inc., we specialize in servicing first time home buyers with USDA loans in San Antonio. A USDA mortgage offers many advantages, as it is very popular with first time homeowners, so you should expect lower interest rates and NO DOWN PAYMENT in relation to a conventional residential home loan.

Exciting things are happening with USDA home financing USDA is only 1 of only a few options left for true 100% financing and you ll want to stay up-to-date with changes in loan limit increases, and USDA Mortgage news, so feel free to subscribe to our USDA blog below.

We make the process of purchasing a new home or refinancing your current mortgage simple and straight forward by offering you the latest in financial tools set forth by the best banks in our country. This will enable you to make the most accurate financial decision. Purchasing a home or refinancing your current mortgage should not be stressful.

Please contact us for up to date rates and any other mortgage questions or apply now.


Cash-out Refinance Mortgages – Freddie Mac, cash call mortgage.#Cash #call #mortgage


Cash-out Refinance Mortgages

Use cash out for a variety of purposes

Whether your borrowers are looking to receive cash out from the increased value of their home to use for debt consolidation, or for any other purpose, Freddie Mac’s cash-out refinance mortgage options could be the solution.

Our cash-out refinance mortgage offers flexibility and variety so you can meet a diverse range of borrower needs: obtaining cash for home improvements, reducing a rate and monthly payment, paying off a purchase money junior lien used for any purpose, or paying off a leasehold interest. Plus, all related closing costs, financing costs and prepaid items can be rolled into the new loan amount, further maximizing your borrower’s cash flow potential.

In addition, our special purpose cash-out refinance mortgage allows borrowers in special circumstances to use the proceeds of the refinance transaction to buy out the equity of a co-owner. With the special purpose cash-out refinance mortgage in your product line, you can now offer your borrowers another option to meet their specific needs.

Product Features

  • 1- to 4-unit primary residences, including condos, PUDs and manufactured homes.
  • Second homes
  • 1- to 4-unit investment properties
  • 15-, 20-, and 30-year fixed-rate mortgages
  • 5- and 7-year balloon/reset mortgages
  • Most standard ARMs
  • No seasoning requirement for eligible mortgages and inherited properties
  • Super conforming mortgages. See Single-Family Seller/Servicer Guide (Guide) Chapter 4603 for requirements.
  • Maximum LTV ratios must comply with Guide Section 4203.4 for Loan Product Advisor and manually underwritten mortgages
  • For TV/TLTV/HTLTV ratio requirements for super conforming mortgages, see Guide Chapter 4603.3
  • Loan Product Advisor
  • Non-Loan Product Advisor
  • Minimum Indicator Score of 620 unless otherwise specified in the Guide.
  • All mortgages must meet the risk class and/or minimum Indicator Score requirements in Guide Exhibit 25A, where applicable.
  • The borrower must have been on the title to the subject property for at least six months prior to the note date of the cash-out refinance mortgage.
  • Refer to Guide Section 4301.2 for requirements on continuity of borrower ownership or obligation.
  • The Seller must make the determination regarding borrower creditworthiness in accordance with the requirements of Guide Section 5202.1(b)
  • New appraisal and inspection report required.
  • Special requirements apply for special purpose cash-out refinance mortgages. See Guide Section 4301.6.
  • All closing costs, financing costs and prepaids can be rolled into the new loan amount
  • Servicing-released Cash*
  • Servicing-retained Cash
  • WAC ARM Cash
  • Fixed-rate Guarantor
  • WAC ARM Guarantor
  • MultiLender Swap

* See our selling system availability matrix for a list of specific mortgages eligible for sale best efforts or mandatory, servicing released.

  • A cash-out refinance Credit Fee in Price applies. Freddie Mac’s cash-out refinance Credit Fee in Price is not billed for special purpose cash-out refinance mortgages delivered in accordance with the requirements of Guide Section 6302.14.
  • See Guide Exhibit 19 for details on these fees and all other applicable fees or visit Exhibit 19.
  • Refer to Guide Section 6302.16(b) for special delivery instructions for cash-out refinance mortgages.
  • Refer to Guide Sections 4301.5 and 4301.6.

Lender Benefits

Cash-out refinance mortgages help you:

  • Meet the needs of more refinance borrowers looking to leverage their home equity for a variety of purposes.
  • Improve efficiencies using Loan Product Advisor.
  • Retain more of your customer base in refinance markets.
  • Meet the needs of borrowers with special circumstances using the special purpose cash-out refinance option.

Benefits for Your Borrowers

Cash-out refinance mortgages help your borrowers:

  • Receive cash out to consolidate debt or for any other purpose.
  • Pay off junior liens, including HELOCs. Pay off a purchase money junior lien or a leasehold interest, pay for home improvements or buy out the equity of an ex-spouse, joint heir or joint devisee.
  • Eliminate upfront costs by rolling all closing costs, financing costs and prepaid items into the new loan amount.

For More Information

  • Call your Freddie Mac representative.

Training Opportunities

Visit The Learning Center for live and recorded web conferences, access to classroom-style workshops and self-study tools all designed to help you stay competitive, serve more borrowers and make it easier to do business with us.

The information in this document is not a replacement or substitute for information found in the Single-Family Seller/Servicer Guide and/or the terms of your Master Agreement and/or other Pricing Identifier Terms.

Related Products

Cash call mortgage


CashCall Reviews – Is it a Scam or Legit, cash call mortgage.#Cash #call #mortgage


CashCall Reviews

Cash call mortgage

  • Category:
  • Finance
  • Review Topic:
  • Loans,
  • Mortgage Lenders,
  • Real Estate
  • Website:
  • www.cashcall.com

About CashCall

Did you recently see a late night commercial for CashCall? If so, you may be considering them as an option for your next mortgage, refinance, personal loan, or small business loan. You may have even been drawn in by their claim to use innovative technologies that make the loan process as simple as possible.

But when it comes down to it, is obtaining a loan through CashCall really as simple as they make it seem, and do they represent a good value for your hard-earned money? We uncovered a whole lot of facts that you should know before using CashCall, and here s what we found.

How CashCall Works

At its most basic, CashCall is a direct lender that provides three primary products. These include:

  • CashCall Mortgage Claims to specialize in low-interest mortgage loans that feature streamlined processes and no application fees or deposits, which is ultimately claimed to save their customers time and money. This includes 10, 15, and 30-year fixed rate mortgages, Adjustable Rate Mortgages (ARMs), HARP loans, and Jumbo loans.
  • CashCall Consumer Unsecured loans of anywhere between $2,600 and $25K that can be wired to your checking account within 24 hours.
    • Homeowner Consumer Loans A sub-category of consumer loans, this program is ideal for homeowners who need to borrow larger amounts, which range between $26K and $100K.
  • CashCall Micro BusinessLoans Targeted at small companies and proprietorships, this program allows you to obtain anywhere from $3,500 to $50K, which can be funded the same or next day.

If you re interested in applying for a CashCall Mortgage loan, you ll need to fill out a brief online form, and a representative will then contact you to begin the process. On the other hand, applying for a CashCall Consumer or Business loan can be handled completely online, and in some instances you may receive instant approval.

With this in mind, Consumer loans will require statement of an active bank account, proof of income, and proof that you re at least 21 years old (e.g. driver s license or state-issued ID). For CashCall Business loans, similar to LendVantage, you ll need to have been in business for at least 2 months and to have a personal credit rating of 500+.

CashCall Pricing Refund Policy

Because of the inherent nature of loans, what you ultimately pay can vary greatly. However, here s a broad overview of what you can expect with your CashCall loan:

  • CashCall Mortgage Mortgage APRs vary between 2.99% and 4.148%, although these can change daily, in addition to a $495 lender fee associated with all options. Some mortgage loans include no closing costs. However, as a consumer you could be responsible for a variety of other fees not included in your CashCall loan, including discount points, appraisal fees, title insurance fees, and more.
  • CashCall Consumer Depending on the total amount borrowed, APRs can range anywhere between 35% and 139%, and repayment terms anywhere from 47 to 120 months. All CashCall Consumer loans come with a $75 loan fee.
    • Homeowner Consumer Loans APRs currently range between 24% and 44%, although all come with 180-month repayment terms.
  • CashCall Micro BusinessLoans Depending on credit rating, APRs range between 24% and 149%, in addition to origination fees between 5% and 10%. Repayment periods can range from 10 days to 120 months.

Because rates and fees can change often, we would recommend thoroughly reading through their Current Rates pages to get a better idea of what you can expect to pay. Alternately, you can contact customer service at 866-590-2274 (more about this in the following section).

What Do Other Consumers Have to Say About CashCall?

Overall, CashCall appears to have a very poor online customer reputation, with the most common complaints citing extremely high interest rates, poor customer service (unwilling to help, frequently hang up on customers, act more like collections agents than support staff, etc.), and excessively long mortgage closing timelines, resulting in additional fees and/or higher interest rates.

On top of this, it s important to note that CashCall has been the defendant in several court cases related to illegal online loan servicing and excessively high interest rates (see here) in 2014 alone, in addition to a class action lawsuit filed in 2012.

With this in mind, CashCall is not currently rated with the Better Business Bureau, which lists the reason as: This business has no rating at this time because BBB file information is being reviewed and/or updated. We can t help but wonder if all the negative feedback and history of lawsuits has caused the BBB to reconsider CashCall s overall rating.

What s the Bottom Line About CashCall?

Now that you know more about CashCall, their products, and their reputation, should you choose them for your next mortgage, consumer loan, or business loan? Probably not, and here s why:

First and foremost, as with other short-term lenders such as BetterLoanChoice.com, MoneyMutual, LendUp, and more, it s always a good idea to avoid high interest loans if at all possible. This is because you ll often be subjected to very high fees (in some instances totaling 30% of your total loan amount), as well as exorbitantly high interest rates that are intended to lock you into a perpetual cycle of repayment. In fact, when researching CashCall, we found some consumers who claimed that they paid 10X more than the original loan amount after everything was said and done.

With this said, if you absolutely must take out a personal or business loan with CashCall, be sure to pay it off as quickly as possible. In other words, don t just pay the minimum amount each month, as your payments will be applied to interest first and principal second. It s important that you do this, because it appears that CashCall representatives are more interested in drawing out your loan as long as possible.

Finally, if you re thinking about taking out a CashCall mortgage, remember that they re primarily targeted toward individuals with good to excellent credit. As such, if you have anything lower, you might want to look elsewhere or risk being subjected to extraordinarily high interest rates, similar to their consumer loans.

On the other hand, if you re interested in a CashCall Micro Business Loan, keep in mind that your origination fee will be deducted from your total loan amount. For example, if you borrow $20K and have a 10% origination fee, the amount you ll receive will only be $18K, while CashCall pockets the remainder and charges you interest on it.

Bottom line: While we strongly recommend against taking out any kind of high interest loan, between their very poor online customer reputation, history of lawsuits, and tendency to provide lackluster customer support, we might recommend using a more reputable company than CashCall if you must do so.


Reverse Mortgage Leads, Reverse Mortgage Live Transfers, cash call mortgage.#Cash #call #mortgage


Cash call mortgage

Cash call mortgage

/ Know Your Lead Company

Digitally ingenious enthusiasts driven by quality thrilled clients.

Cash call mortgage

Established a decade back, Inspirecs has been serving the market with allegiance and efficacy to add to the expansion of the businesses around the world. Inspirecs has been running shoulder to shoulder with

Cash call mortgage

Our team is our greatest asset and the major differentiator. We are passionate about results, and also believe in having a lot of fun along the way. We are passionate about delivering results to our clients.

Cash call mortgage

We are a globally trusted brand in the Lead generation market. Partnering with us will give you a direct access to extensive networks in important global markets, and expertise in Live and data leads.

Type of Leads

Cash call mortgage

Debt Settlement Live Transfers

Inspirecs.com offers Double Verified Debt Settlement Live transfers, Debt live leads

Cash call mortgage

Loan Modification Live Transfers

Inspirecs offers Double Verified Loan Modification Live Transfers

Cash call mortgage

Cash Advance Live Transfers

Inspirecs.com offers Double Verified Merchant Cash Advance leads

Cash call mortgage

Pay Day Loan Live Transfers

Inspirecs.com offers Double iLead Pay Day Loan live transfers which have been

Cash call mortgage

We offers Double Verified Mortgage Live transfers, Mortgage batch leads

Cash call mortgage

Auto Warranty Live Transfers

If you have purchased Internet leads, Live Transfer Leads, PPC Leads

Cash call mortgage

Tax Debt Settlement

Inspire Center Solutions has a variety of real time and live transfer leads on offer

Cash call mortgage

Bankruptcies are becoming quite common in the United States what with rising

Cash call mortgage

Reverse Mortgage Live Transfers

Inspirecs.com has seen a substantial rise in Reverse Mortgage Live Transfers

Cash call mortgage FHA Mortgage Live Transfers

FHA mortgage live transfers can be obtained from vast source of data base

Cash call mortgage

VA Mortgage Live Transfers

VA mortgage live transfers are hot property today for the simple reason being

Cash call mortgage

Credit Repair Live Transfers

With bankruptcies and debts piled up on most heads in America, good credit

Call us Today For Our Reverse Mortgage Leads

+1-800-986-9315

Or To Know More Check Out Our Reverse Mortgage Leads Video

Our Services

Cash call mortgage

Each and every Lead that is sent to our customers passes through our proprietary

Cash call mortgage

Each and every Lead that is sent to our customers passes through our proprietary

Cash call mortgage

Your portal and storefront are just the tip of the iceberg. The real potential

Cash call mortgage

Inspirecs offshore software development services are intended to serve businesses

Cash call mortgage

Search Engine Optimization

Search Engine Optimization, popularly known as SEO, is a set of methods

Why US

Inspirecs.com is in the business of Double Verified Live Lead Generation for Reverse Mortgage Live Transfers, Debt Settlement Companies, Debt Consolidation Companies, Mortgage Live Transfers Loan Modification Companies, Loss Mitigation Companies, Business Cash Advance Companies, Auto Warranty Live Transfers, Tax Debt Settlement Live Transfers, Bankruptcy Live Transfers, Home Security Live Transfers, Credit Repair Live Transfers, Banks and several other conglomerates who feel the need of telemarketing throughout the United States. With more than 10 years experience in Live Transfer Generation, our founders bring a unique, proprietary process to the industry.

Cash call mortgage

/ Testimonials

Excellent, professional work – more than happy to do future business with Inspire Center Solution.

I have found a lead source that is great. A little pricey but they are Double Verified live transfers, and well worth it. I have about 20 leads that I am sitting on that I have priced, and filled out 10 1003’s and counting. Company is very professional and definitely earned my business. I would recommend you to this great lead company. I am using a company called InspireCS. They proved to be a very good company. You can find out more by going to their website at www.inspirecs.com

I am writing to say how satisfied I am with Inspirecs regarding there lead quality. I have tried everything from internet leads and live transfers from other sources with out success. Inspirecs is the only source I would recommend, they are very fair on returns and the quality of the leads is very good. I would highly recommend them and plan to do more business with them. Here you defiantly get what you pay for and More.

Hello Alex, I love the leads, but my only concern is I want to be able to offer my clients good customer service, in order for me to do that, I would only like 5 leads each a day if possible.

I would recommend Inspirecs for all of your telemarketing/communications needs.

One of the very few lead generation companies I have come across that really delivers on its promises. Inspirecs’s Owner has a passion for lead gen business and he runs a very tight ship Best of Luck


CashCall Reviews – Is it a Scam or Legit, cash call mortgage.#Cash #call #mortgage


CashCall Reviews

Cash call mortgage

  • Category:
  • Finance
  • Review Topic:
  • Loans,
  • Mortgage Lenders,
  • Real Estate
  • Website:
  • www.cashcall.com

About CashCall

Did you recently see a late night commercial for CashCall? If so, you may be considering them as an option for your next mortgage, refinance, personal loan, or small business loan. You may have even been drawn in by their claim to use innovative technologies that make the loan process as simple as possible.

But when it comes down to it, is obtaining a loan through CashCall really as simple as they make it seem, and do they represent a good value for your hard-earned money? We uncovered a whole lot of facts that you should know before using CashCall, and here s what we found.

How CashCall Works

At its most basic, CashCall is a direct lender that provides three primary products. These include:

  • CashCall Mortgage Claims to specialize in low-interest mortgage loans that feature streamlined processes and no application fees or deposits, which is ultimately claimed to save their customers time and money. This includes 10, 15, and 30-year fixed rate mortgages, Adjustable Rate Mortgages (ARMs), HARP loans, and Jumbo loans.
  • CashCall Consumer Unsecured loans of anywhere between $2,600 and $25K that can be wired to your checking account within 24 hours.
    • Homeowner Consumer Loans A sub-category of consumer loans, this program is ideal for homeowners who need to borrow larger amounts, which range between $26K and $100K.
  • CashCall Micro BusinessLoans Targeted at small companies and proprietorships, this program allows you to obtain anywhere from $3,500 to $50K, which can be funded the same or next day.

If you re interested in applying for a CashCall Mortgage loan, you ll need to fill out a brief online form, and a representative will then contact you to begin the process. On the other hand, applying for a CashCall Consumer or Business loan can be handled completely online, and in some instances you may receive instant approval.

With this in mind, Consumer loans will require statement of an active bank account, proof of income, and proof that you re at least 21 years old (e.g. driver s license or state-issued ID). For CashCall Business loans, similar to LendVantage, you ll need to have been in business for at least 2 months and to have a personal credit rating of 500+.

CashCall Pricing Refund Policy

Because of the inherent nature of loans, what you ultimately pay can vary greatly. However, here s a broad overview of what you can expect with your CashCall loan:

  • CashCall Mortgage Mortgage APRs vary between 2.99% and 4.148%, although these can change daily, in addition to a $495 lender fee associated with all options. Some mortgage loans include no closing costs. However, as a consumer you could be responsible for a variety of other fees not included in your CashCall loan, including discount points, appraisal fees, title insurance fees, and more.
  • CashCall Consumer Depending on the total amount borrowed, APRs can range anywhere between 35% and 139%, and repayment terms anywhere from 47 to 120 months. All CashCall Consumer loans come with a $75 loan fee.
    • Homeowner Consumer Loans APRs currently range between 24% and 44%, although all come with 180-month repayment terms.
  • CashCall Micro BusinessLoans Depending on credit rating, APRs range between 24% and 149%, in addition to origination fees between 5% and 10%. Repayment periods can range from 10 days to 120 months.

Because rates and fees can change often, we would recommend thoroughly reading through their Current Rates pages to get a better idea of what you can expect to pay. Alternately, you can contact customer service at 866-590-2274 (more about this in the following section).

What Do Other Consumers Have to Say About CashCall?

Overall, CashCall appears to have a very poor online customer reputation, with the most common complaints citing extremely high interest rates, poor customer service (unwilling to help, frequently hang up on customers, act more like collections agents than support staff, etc.), and excessively long mortgage closing timelines, resulting in additional fees and/or higher interest rates.

On top of this, it s important to note that CashCall has been the defendant in several court cases related to illegal online loan servicing and excessively high interest rates (see here) in 2014 alone, in addition to a class action lawsuit filed in 2012.

With this in mind, CashCall is not currently rated with the Better Business Bureau, which lists the reason as: This business has no rating at this time because BBB file information is being reviewed and/or updated. We can t help but wonder if all the negative feedback and history of lawsuits has caused the BBB to reconsider CashCall s overall rating.

What s the Bottom Line About CashCall?

Now that you know more about CashCall, their products, and their reputation, should you choose them for your next mortgage, consumer loan, or business loan? Probably not, and here s why:

First and foremost, as with other short-term lenders such as BetterLoanChoice.com, MoneyMutual, LendUp, and more, it s always a good idea to avoid high interest loans if at all possible. This is because you ll often be subjected to very high fees (in some instances totaling 30% of your total loan amount), as well as exorbitantly high interest rates that are intended to lock you into a perpetual cycle of repayment. In fact, when researching CashCall, we found some consumers who claimed that they paid 10X more than the original loan amount after everything was said and done.

With this said, if you absolutely must take out a personal or business loan with CashCall, be sure to pay it off as quickly as possible. In other words, don t just pay the minimum amount each month, as your payments will be applied to interest first and principal second. It s important that you do this, because it appears that CashCall representatives are more interested in drawing out your loan as long as possible.

Finally, if you re thinking about taking out a CashCall mortgage, remember that they re primarily targeted toward individuals with good to excellent credit. As such, if you have anything lower, you might want to look elsewhere or risk being subjected to extraordinarily high interest rates, similar to their consumer loans.

On the other hand, if you re interested in a CashCall Micro Business Loan, keep in mind that your origination fee will be deducted from your total loan amount. For example, if you borrow $20K and have a 10% origination fee, the amount you ll receive will only be $18K, while CashCall pockets the remainder and charges you interest on it.

Bottom line: While we strongly recommend against taking out any kind of high interest loan, between their very poor online customer reputation, history of lawsuits, and tendency to provide lackluster customer support, we might recommend using a more reputable company than CashCall if you must do so.


Super or mortgage? Where to stash your cash, cash call mortgage.#Cash #call #mortgage


Super or mortgage? Where to stash your cash

Where is the best to park your spare money?

Nicole Pedersen-McKinnon
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Cash call mortgage The surest protection is a paid-off house.

It’s been so cut and dried for the past few years: shares, bad; paying off your mortgage, good.

But something’s changed – mortgage interest rates are again approaching record lows and maybe, just maybe, the latest Greek deal will see stability return to our equity markets. Certainly there’s talk of a pre-Christmas rally in confidence.

What’s more, we all know the time to invest is before shares recover, not when they’re flying sky-high again.

The most tax-effective way to do this is through your super. And, indeed, whether you appreciate it or not, you’ve been drip-feeding money into the market in this way the entire global financial crisis (a great technique to buy lots of shares at cheap prices in what we boffins call dollar-cost averaging).

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Interest rate cut odds-on

The question is whether it’s now time to forgo the mortgage in favour of paying into the market, via super, even more.

If you’re savvy, your mortgage interest rate is no more than 5.5 per cent. This is below even the dividend yield on many Aussie shares, but we’ll leave that to one side; it’s the tax breaks afforded to super that give it a guaranteed advantage (well, guaranteed until the next government raid).

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Let’s assume you are 35, earn $80,000 a year and have a 25-year, $300,000 home loan on the above interest rate.

If you switch from making an extra $500 a month payment into your mortgage and instead salary-sacrifice that amount into super, at age 65 you’ll be more than $50,000 ahead, with an additional $286,483 in your fun fund. The alternative home loan saving would have been $236,368.

This assumes only modest total annual super returns of 7 per cent, but does capture just how generous super tax breaks are. You pay no income tax on sacrificed contributions but (on incomes below $300,000) a super contributions tax of just 15 per cent. However, leave it to age 55 and super still wins, but by only $26,508, with a balance swollen by just $83,047.

How do the figures change if your mortgage is larger? The super outperformance is bigger as your home loan overpayments make a smaller dent.

And what about on higher incomes and, therefore, tax brackets? Super streaks further ahead here, too, with the tax savings. For instance, on a $200,000 income from age 35, it’s $68,646 better to boost your super, with ultimately $316,947 more in your retirement kitty. However, if you get to the trigger income of $300,000 for contributions tax to double from 15 per cent to 30 per cent, the benefit will clearly diminish.

I shouldn’t have to say, but I will, that you need to be on the lowest-available mortgage interest rate for the super strategy to yield the highest-possible benefit. If you do not pay a market-leading rate of 5.5 per cent but one more akin to what the big banks are advertising – 6.5 per cent – your eventual edge drops from more than $50,000 in our original example to just $29,814.

Should your home loan rate climb back to 7.7 per cent, and super returns fail to correspondingly surge, that’s the point at which knocking off the mortgage might start to become more attractive.

Of course, while it might be mathematically compelling to pay spare cash into super, there are other considerations. Security, obviously, is a big one.

The surest way to protect you and your family should things unexpectedly go wrong – say, your income ceases or you find yourself with an astronomical bill – is a fully paid-off roof over your head. This frees you from having to find a big monthly repayment, which means you need only cover bills and expenses to survive.

By contrast, pay all your cash into super and you usually cannot access it until age 65, except under extreme hardship provisions that could prove difficult to satisfy.

While you might come out ahead on paper with super, this is a big consideration.

And if you carry higher-interest debts such as credit cards, the pendulum may well swing in favour of paying these off before you attack anything else, mortgage or super.

Ultimately, then, it will come down to your own situation. How old you are; how important it is to preserve your cash; how quickly you will need to get at it and more.


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