Mortgage House – The Personal, Business And Home Loan Experts, mortgage house.#Mortgage #house


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into your schedule.

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With Our Fresh Low Rates For Spring

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Find Out How Much You Can Borrow

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Book a time that’s convenient for you and one of our loan specialists will give you a call

Popular Home Loans

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Find the Right Home Loan for You

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First Home Buyer

You’re now ready to become a home owner. It may seem daunting but we’ll help you find the right mortgage.

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Second Home Buyer

You’ve been there before so you know the ropes. Use that experience to gain that great second home.

Mortgage house

Refinancer

Looking to lower your interest rate? Or go on holiday? Or consolidate debt? Refinancing can help.

Mortgage house

Construction

Want a house that is 100% as you envisioned it? The right mortgage can help you build your dream home.

Mortgage house

Renovation

Add some value to your home or finally start on that DIY renovation project you’ve been putting off.

Mortgage house

Self Employed

If you are a business owner or professional contractor then a low doc loan is your mortgage solution.

Mortgage house

Investor

Your criteria for a mortgage will differ from that of a retail home buyer. Draw on our expertise.

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Relocation

Bought a new home but still waiting on sale of old one? A relocation / bridging loan will tide you over.

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Calculators

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Resources

Why Choose Mortgage House?

Award Winning

We’re one of Australia’s most awarded non-bank lenders

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An independent lender with the same resources as traditional brokers

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Expert lenders who’ll get you there without the mortgage jargon

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Our innovative online services will save you time & effort

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*The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice.

Mortgage House ABN 98 081 508 054 Australian credit licence 393283

Mortgage house


Open House Flyer, Mortgage Flyers, Mortgage Marketing, Software, REALTOR® Marketing, House Flyer, House Flyers, mortgage


mortgage house

For the real estate agent and mortgage lender, OSI Express Software provides perfect answers for your compliance and I.T. departments.

Mortgage Software and Real Estate Software Corporate Solutions

We provide you the tools to gain control over your real estate and mortgage marketing, ensure compliance and save time. Our new web based real estate marketing software allows corporate administrators to simply login to manage all team members, disclaimers by flyer type, closing cost and APR calculations.

Mortgage Marketing Software – Loan Officer Marketing Software Version

OSI Express loan officer marketing software is the industry’s best choice for accurate, easy and automatically calculated mortgage open house flyers with finance options, flexible mortgage marketing flyers, rate sheet marketing flyers and much more. Unlike other systems that use time consuming Microsoft Word templates, our software does all the work for you. Calculations are automatic and are constantly updated with current industry guidelines and mortgage software calculations. click here

Real Estate Marketing – Real Estate Software Version for REALTORS®

OSI Express real estate marketing software is the industry’s best choice for providing compelling, accurate and easily understood information to buyers and sellers. Real estate professionals can create stunning marketing with just a few clicks. Our real estate software is automatically updated with industry calculations and guidelines. Real estate professionals can market their listings and open houses, as well as provide point-of-sale information to prospective buyers without any worry of accuracy.

Mortgage Flyers Software – Mortgage Flyers for Loan Officers

Our mortgage flyers are your best choice for online, mortgage marketing flyer software and loan officer flyers. Thousands of mortgage flyer variations for marketing to real estate agents, builders and consumers are included. Pick a stunning loan marketing flyer from the hundreds we have in our library. Then, with just a click swap flyer graphics and color variations to keep your loan marketing fresh.

House Flyer, Advertising Flyer and Property Flyer Software

OSI Express House Flyer Software is easy, accurate and compliant. Our house flyer and property flyer software is 100% web based which means no software needs to be downloaded. The benefits to you are huge! You can access your saved house flyers and property flyers from any computer even if they were originally created and saved on another computer. If you have a marketing assistant who helps you with open house flyer advertising or creating your property flyers, your assistant can simply log in to your membership. This gives you the ability to access house flyers your assistant created even if your assistant works from another location.

Loan Officer Marketing Software and Real Estate Marketing Summary

You get stunning mortgage flyers, open house flyers, buyer cost summaries, auto-calculated mortgage options that populate your house flyer and more. Included are easy mortgage marketing tools such as buyer qualification software, rent vs. own comparisons, rate sheet marketing flyers. You can choose from hundreds of loan marketing flyers and real estate flyers, or create and save your own custom mortgage flyer or custom loan marketing flyer. Our loan originator software gives you the ability to provide real estate agents personalized marketing software as a value added service.

Is Your Mortgage Marketing Software Working For You?

Here are great ideas to get the most out of your loan marketing software.

#1 Easy Mortgage Software is Vital For Efficient Loan Officer Marketing:

Is your mortgage software easy? Arguably the most important aspect of any mortgage software is how easy it is. Your mortgage software should work for you, not the other way around. For example, when calculating an FHA loan, your mortgage software should calculate the loan amount and down payment correctly based on current FHA guidelines and the maximum loan limit for your area instead of asking you for the down payment. However, it should still allow you to include sales prices that exceed the maximum loan limit, calculating the required down payment for you. This would allow you to take full advantage of 3.5% to low down payment requirements.

#2 Easy Mortgage Open House Flyer Software:

With little effort required from you, an easy mortgage software program will accurately calculate all criteria for any mortgage loan type including your closing costs and APR. Your mortgage software should then simultaneously display a broad range of loan types that cater to a broad range of borrowers. Your mortgage marketing material and mortgage marketing flyers will “hit home” with more potential customers.

#3 Time Saving Mortgage Loan Origination Software:

Does your mortgage software save you time? If not, why use it in your loan officer and mortgage broker marketing? Finding a good mortgage software program can make a huge difference in the time you spend with mortgage marketing. For example, a good mortgage software program should allow you to create your own loan comparisons with up to 5 mortgage loan options per comparison. Then, save your comparisons as templates allowing you to quickly re-load them with different sales prices and tax amounts. You should only need to change the sales price and taxes once. Your mortgage software should then re-calculate all loan options within your saved comparison, including closing costs and APR using current industry guidelines and automatically import your re-calculated financing into your new loan comparison worksheet or mortgage flyer. That’s it – ready for the next mortgage marketing piece.

#4 Accuracy with Free Mortgage Marketing Updates:

Does your mortgage software provide you free industry updates and free mortgage marketing enhancements? A good mortgage software program will automatically deliver all new software versions to your computer at no charge to you. For example, upon simply opening your mortgage software, a message displays letting you know an enhancement is available. Just by clicking you should receive the new update without ever having to pay more money. This is important to ensure your real estate marketing is always accurate. Let’s say FHA changes MIP or down payment calculations. The publisher of your mortgage software is on the ball and delivers updates that not only effect future mortgage marketing, but that also automatically update all of your previously saved loan officer marketing.

#5 Loan Officer Marketing Software Access and Administration:

Do you find yourself working in different locations? Of course you do. Depending on the day and time, you’ll find yourself working at your office, your home or on your laptop. The effectiveness of your mortgage marketing can be greatly determined simply by the convenience and accessibility of your mortgage software.


How Much House Can I Afford? New House Calculator, house mortgage.#House #mortgage


How Much House Can I Afford?

Determine how much house you can afford. Estimate the mortgage amount that best fits your budget with our new house calculator. Find out what factors determine home affordability.

2. Debt and monthly expenses.

4. Down payment amount.

House mortgage

Simply fill out the fields below and click on calculate. The calculator will then analyze your monthly income, expenses, and future property taxes and insurance to estimate the mortgage amount that would best fit your budget. Learn more about what factors lenders consider here.

Available Mortgage Limits:

Home Buyer Resources

How much money can I borrow for a mortgage?

Use this calculator to figure out how much money you can borrow.

Ready to stop renting and buy a home?

Thinking of buying a home? Consider these factors before making your decision.

5 first-time homebuyer mistakes

Avoid these common mistakes when buying your first home.

How much house can you buy?

Mortgage lenders calculate affordability based on your personal information, including income, debt expenses and size of down payment. The mortgage calculator uses similar criteria.

Here are some of the factors that lenders consider.

Debt-to-income ratios

Lenders will calculate how much of your monthly income goes toward debt payments. This calculation is called a debt-to-income ratio.

Debt-to-income ratio

Percentage of monthly income that is spent on debt payments, including mortgages, student loans, auto loans, minimum credit card payments and child support.

For example: Jessie and Pat together earn $10,000 a month. Their total debt payments are $3,800 a month. Their debt-to-income ratio is 38 percent.

$3,800 / $10,000 = 0.38

Front-end ratio

A standard rule for lenders is that your monthly housing payment (principal, interest, taxes and insurance) should not take up more than 28 percent of your income before taxes. This debt-to-income ratio is called the housing ratio or front-end ratio.

Back-end ratio

Lenders also calculate the back-end ratio. It includes all debt commitments, including car loan, student loan and minimum credit card payments, together with your house payment. Lenders prefer a back-end ratio of 36 percent or less.

Ratios aren’t carved in stone

Those recommended ratios (28 percent front-end and 36 percent back-end) aren’t ironclad. In many cases, lenders approve applicants with higher debt-to-income ratios. Under the qualified mortgage rule, federal regulations give legal protection to well-documented mortgages with back-end ratios (all debts, including house payments) up to 43 percent.

That’s been one of the bigger drivers (of affordability) because that is basically drawing a box around what’s a qualified mortgage, says Tim Skinner, home lending sales and service manager for Huntington Bank in Columbus, Ohio. A large portion of the lending community has decided to stay in that box.

Credit history

If you have a good credit history, you are likely to get a lower interest rate, which means you could take on a bigger loan. The best rates tend to go to borrowers with credit scores of 740 or higher.

Down payment

With a larger down payment, you will likely need to take on a smaller loan and can afford to buy a higher-priced house.

Down payment

Money from your savings that you give to the home’s seller. A mortgage pays the rest of the purchase price. It’s usually expressed as a percentage: On a $100,000 home, a $13,000 down payment would be 13 percent.

You don’t need to have a perfect credit score or a 20 percent down payment to qualify for a mortgage. Some lenders will accept down payments as small as 3 percent. Federal Housing Administration-insured mortgages have a minimum down payment of 3.5 percent.

Lifestyle factors

While the lender’s guidelines are a good place to start, consider how your lifestyle affects how much of a mortgage you can take on. For instance, if you send your children to a private school, that is a major expense that lenders don’t typically account for. Or maybe you like to spend a lot on dining out or clothes. And if you live in a city with good public transportation, such as San Francisco or New York, and are able to rely on public transportation, you can likely afford to spend more on housing.

Consider all your options

Look into various state government programs that provide certain concessions, especially for first-time homebuyers. There also are programs that you might qualify for based on your income or occupation. You may be able to get assistance with your down payment so you can take on a smaller loan.

Nikitra Bailey, executive vice president for the Center for Responsible Lending in Durham, North Carolina, says, A lot of creditworthy borrowers have been unable to secure mortgages in the tighter mortgage environment. We are hopeful that these efforts will open up credit for borrowers who are deserving so that we will see an increase in first-time homebuyers going forward.

Don’t overload yourself

Be careful. It’s wise to give yourself breathing room financially. You don’t have to deplete your savings, and you don’t have to make the maximum monthly payment that you qualify for.

Why is it wise to spend less than you can afford? As a homeowner, you will face unexpected expenses, such as a leaky roof or a failed water heater. You will have to pay for maintenance. You might even face a job loss.

When gas prices started to go up (during the housing downturn) and people were maxed out on their homes, that’s when we started seeing a lot of the defaults happen, says Kathy Cummings, homeownership solutions and education executive for Bank of America. There were a lot of other economic factors going into it, but if you are maxing yourself out on your home, you can’t absorb some of those impacts.

TIP: Mortgage approval is based partly on debt-to-income ratio, so refrain from charging up your credit cards when you’re getting ready to close on a loan.


Mortgage Flyers, Software, Real Estate Flyers, Open House Flyers, Mortgage Marketing, house mortgage.#House #mortgage


Custom flyers with detailed loan options

Mortgage Marketing System:

Loan Officers: Real Estate Flyer Builder TM (RFB) software can give you the edge over the competition. Generate Open House, Rent vs. Buying, FSBO and Mortgage flyers with detailed loan options. RFB is an effective tool for reaching buyers and real estate agents.

Each loan officer has the option to either make flyers for real estate agents or allow agents to make their own flyers. The rates, loans and settings are controlled by the loan officer providing the service.

  • Loan officers determine the real estate agents that have access to their RFB program. New agents can be given access to the program for a limited time. Agents that consistently provide referrals can be given indefinite use. When a real estate agent enters the user name and password provided by the sponsoring loan officer, RFB automatically inputs the agent’s and loan officer’s contact information on all printed flyers
  • RFB allows for absolute control over 3 sets of 10 loans. The loan officer determines the name of each set, the loans that are displayed within each set, the order of the loans and the name of each loan. Each loan can be customized to fit underwriting guidelines. Sample loans are provided
  • Loan officers can easily publish updated realtor information, loans and rates to the RFB web server. The published information is instantly available to the realtors being sponsored
  • RFB has a feature that allows loan officers with individual accounts to share rates and loans. Example: The manager of a mortgage company maintains the RFB loans and rates for loan officers at his company. The individual loan officers only input the agents they are sponsoring into their RFB
  • Office Account: Each RFB account can accommodate up to 30 loan officers and 300 real estate agents. One loan officer can be added to the account for every 10 real estate agents being sponsored. Example: A mortgage office with 8 loan officers could open one account sponsoring 80 agents. All 8 loan officers could use the system. One person in the office would manage the rates, loans, settings and real estate agents
  • Loan officers can customize the RFB program they distribute to realtors. Company logo and loan officer’s picture can be remotely added to each page of the program. Logos can be inserted on all flyers

Real Estate Agents: Free unlimited use through a loan officer. Generate open house, mortgage and pre-qualification flyers. Provide buyers with detailed accurate loan options.

Real Estate Flyer Builder TM Software:

Software Features:

  • Print, save or email flyers
  • Flyers sized to fit any paper or photo size
  • Photo quality output in PDF and JPEG formats
  • House pictures are cropped and sized to fit perfectly
  • Open house flyers display up to 12 house pictures
  • Change flyer font, colors and background image
  • Customizable banner can be added to the left or top of any listing flyer– Bank Owned, Price Reduced, etc.
  • Import/export unlimited number of flyer templates
  • Dynamic Flyers- real estate flyers mortgage flyers are programmed to automatically adjust based flyer output size, number of loans, length of loan officer’s disclosure, ARM disclosures, flyer settings, etc…
  • Custom templates– convert any printable document into a template that will automatically insert loan officer’s and agent’s contact information, logo and picture
  • Real Estate Agents can be assigned a username and password- Agents build flyers using the loan officer’s rates, loans and settings
  • Loans and rates can automatically update from a corporate account or another Real Estate Flyer Builder account
  • Rates can be set to automatically adjust with the loan size or with a market- 10 YR Treasury yield, MTA yield, national averages, etc…
  • Up to 3 sets of 10 customizable loans can be used– Conforming, FHA, FHA 203K, Home Path, HomePath Renovation, Combo, ARMS, etc.
  • Flyers will adjust to fit the number of loans chosen
  • Pre-qualify buyers in seconds
  • Rent vs. Buying comparisons
  • Multiple loan officers can share an office account

Advantages of both desktop software web based software:

  • Software can be installed on an unlimited number of computers. The loan officer’s rates, loans, settings, agents, logo, disclosure, etc. are automatically updated on each computer. Data is saved on remote server
  • Install and run software without computer administrative rights
  • Internet connection is not required to use software
  • Advanced features that are only supported by desktop software
  • Software performance is not affected by internet/server speed

Software Screenshots:

House mortgage House mortgage House mortgage House mortgage

Compliance:

  • Loan officer’s company disclosure is displayed on the bottom of each flyer. Flyers automatically resize to fit any length of disclosure. Disclosure font size can also be increased or decreased
  • Real estate agent’s disclosure can be added to disclosure statement
  • An ARM disclosure is automatically calculated and added to the disclosure statement for each ARM loan displayed on the flyer
  • The APR is calculated and displayed for each loan
  • Loan officer’s and agent’s license number are included in contact information
  • Corporate accounts– company’s logo and disclosure can be remotely managed for all loan officers using the corporate account
  • RESPA Compliance- Loan officer cost per real estate agent is about $2.80 per month. When the agent prints the flyers, the total cost is shared

Corporate Accounts:

  • Banks and mortgage companies can select the logo and disclosure that will appear on all flyers printed by their loan officers. The logo and disclosure can be locked to prevent the loan officer from making changes. If the company’s logo or disclosure change, the change will be instantly made for corporate account users
  • We can bill either the corporate account or individual loan officers
  • Remotely provide rates and loans to loan officers that are using their corporate account
  • For more information contact us at [email protected]

Mortgage Marketing Diagram:

Using Real Estate Flyer Builder TM , loan officers increase referrals, real estate agents attract additional clients and buyers receive customized detailed loan information.

House mortgage

Tutorial Videos:

Video- Make a Listing Flyer:

House mortgage

Video- Loan Officer Setup:

House mortgage

Flyer Samples:

Below are samples of the unlimited flyers that can be generated:

Open House Flyers:

House mortgage

House mortgage

House mortgage

House mortgage

House mortgage

House mortgage

Real Estate Flyer Builder TM – all rights reserved


INTEREST ON HOUSE LOAN SELF OCCUPIED HOUSE 150000 or 30000, SIMPLE TAX INDIA, house loan


INTEREST ON HOUSE LOAN SELF OCCUPIED HOUSE 150000 or 30000?

Interest on borrowed capital for self occupied property

In the above context the following further aspects have to be kept in view:

Rs. 1,50,000 maximum deduction will not be available in the following situations:

  1. if capital is borrowed before April 1, 1999 for purchase,construction, reconstruction, repairs or renewals of a house property;
  2. if capital is borrowed on or after April 1, 1999 for reconstruction, repairs or renewals of a house property; and
  3. if capital is borrowed on or after April 1, 1999 but construction is not completed within 3 years from the end of the year in which capital was borrowed. In the above situations only deduction upto Rs. 30,000 can be claimed.

24(b) where the property has been acquired, constructed, repaired, renewed or reconstructed with borrowed capital, the amount of any interest payable on such capital: Provided that in respect of property referred to in sub-section (2) of section 23, the amount of deduction shall not exceed thirty thousand rupees : Provided further that where the property referred to in the first proviso is acquired or constructed with capital borrowed on or after the 1st day of April, 1999 and such acquisition or construction is completed 24[within three years from the end of the financial year in which capital was borrowed], the amount of deduction under this clause shall not exceed one lakh fifty thousand rupees. Explanation.Where the property has been acquired or constructed with borrowed capital, the interest, if any, payable on such capital borrowed for the period prior to the previous year in which the property has been acquired or constructed, as reduced by any part thereof allowed as deduction under any other provision of this Act, shall be deducted under this clause in equal instalments for the said previous year and for each of the four immediately succeeding previous years:] Provided also that no deduction shall be made under the second proviso unless the assessee furnishes a certificate, from the person to whom any interest is payable on the capital borrowed, specifying the amount of interest payable by the assessee for the purpose of such acquisition or construction of the property, or, conversion of the whole or any part of the capital borrowed which remains to be repaid as a new loan. Explanation.For the purposes of this proviso, the expression new loan means the whole or any part of a loan taken by the assessee subsequent to the capital borrowed, for the purpose of repayment of such capital.

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Can t Pay Your Student Loans? The Government May Come After Your House: NPR Ed:


Can’t Pay Your Student Loans? The Government May Come After Your House

House loans

On Adriene McNally’s 49th birthday in January, she heard a knock on the door of her modest row-home in Northeast Philadelphia.

She was being served.

“They actually paid someone to come out and serve me papers on a Saturday afternoon,” she says.

The papers were from a government lawsuit that represents something more than just an unwelcome birthday gift — it’s an example of a program the federal government has brought to 19 cities around the country including Brooklyn, Detroit, Miami and Philadelphia: suing to recover unpaid student loans, like the ones McNally owes.

Every day, 3,000 people default on their federal student loans — and those lack of payments amount to an unpaid bill of $137 billion for the federal government. For decades, the government has tried to get borrowers to pay up by hiring debt collection agencies to call and send letters. But now the government is trying this new lawsuit strategy.

McNally filed for bankruptcy in 2006 and cleared out all her creditors — except for student loans, which are nearly impossible to get rid of in bankruptcy. As she and many others have found out, it’s not easy escaping federal student loan debt.

“Your whole body heats up with frustration,” McNally says. “I’m so frustrated over all this. It’s been so many years that they’ve been sending me mail and threatening me on the phone.”

In the last two years, more than 3,300 student loan borrowers have been sued after defaulting, according to the Department of Justice. In nearly every one of those suits, the borrower loses and the government wins.

What does the government win? A lien on the borrower’s assets — meaning that the debt is now attached to his or her most valuable belongings, like a home.

Jennifer Schultz, an attorney with Community Legal Services of Philadelphia, says that a lien traps a person, like house-handcuffs.

“I describe a lien as a kind of marker on the house,” Schultz says. “Any time a person tries to do a transaction involving their house — a new mortgage, a refinance, or if they try to sell it — they’re going to be expected to clear up any debt that’s attached to that house.”

The government has long been able to garnish wages, take income tax returns and divert Social Security and disability benefits. But targeting property is a way of applying even more pressure to get former students to pay up.

“It’s to try to awaken the avoider from their slumber,” says Drew Salaman, a debt-collection attorney in Philadelphia.

Salaman doesn’t work with student loans, but he’s familiar with debt avoidance. He says some of the borrowers are playing “catch me if you can.” These lawsuits ensure that people take responsibility for their debts.

“After all,” he says, “if we don’t have systems in place to recover debts, how can credit be extended?”

The end result of these suits — the liens — can be seriously threatening to borrowers. For many it’s a matter of housing preservation, says Joanna Darcus, an attorney on the student loan team at the National Consumer Law Center.

“For folks already living on the margins financially, the fear of losing that house can be palatable,” Darcus says.

Once a lien is in place, the government can force the sale of a former student’s home. That’s “exceedingly rare,” officials say, but it does sometimes happen.

The federal lawsuit program is expected to keep expanding, and with more than 8 million people currently behind on their federal student loans, it doesn’t look like the private firms will run out of work any time soon.


Good & Bad Credit Unsecured Personal Loans, Life House Financial, house loans.#House #loans


Good & Bad Credit Unsecured Personal Loans

Stop Searching, Get Started Today!

Get matched to your personal or business loan & lender options in minutes.

Unsecured Personal Loan Financing

If you are searching for a personal loan, with no collateral required, then an unsecured loan through our lender network may be just what you need. Unsecured personal loans, also known as signature loans, are heavily approved based on an individual’s credit history and ability to pay back the loan. Different than a secured personal loan, that requires a borrower to put up collateral for approval, unsecured loans rely solely on the borrower’s promise to pay back the loan. Because no collateral is required, the application process is quick, and money is normally available for use in a short period of time.

Even though credit is a major factor when it comes to obtaining an unsecured loan approval, there are some financing solutions for individuals with less than perfect credit. Unsecured loans come in all sizes, ranging from a few thousand dollars to tens of thousands of dollars. Standard terms on an unsecured installment loan vary, but are generally offered between twelve and sixty months.

If you are interested in obtaining a personal loan with no collateral required, Life House Financial can help match you with providers interested in competing for your business today. Our networks of banks, credit unions and other loan providers welcome individuals with all credit situations. More importantly, our loan and lender matching service is absolutely free. So don’t hesitate. Come see why others have trusted us over the years with their needs by getting started today.

House loans

Good & Bad Credit Personal Loans, No Collateral Required

Whether you are interested in debt consolidation, a home improvement loan, or just need money to pay off regular bills, obtaining an unsecured loan can be tricky. Unsecured personal loans are heavily approved based on credit and your ability to pay back the loan. This means your current credit situation and DTI (debt to income ratio) will play a major role in the amount of money you receive, and at what interest rate.

In general, the better your credit score, the better your interest rate.

Additionally, the more income you can show in relation to your current debt obligations, the higher the loan amount you may receive.

Steps in Our Loan and Lender Matching Process

    House loans
  • First, you provide some basic information about your financing needs using our online form. House loans
  • Next, we will target the loan or line of credit product(s) we feel most closely match your situation. House loans
  • Third, we will pinpoint the bank(s), credit union(s) and other providers from within our network interested in competing for your business. House loans
  • Once your loan and lender option(s) are identified, they will be provided to you online, will be delivered right to your e-mail inbox, and/or can be provided to you over the phone. House loans
  • Your job will be to review your option(s) and select the solution you feel most comfortable pursuing. As always, there is never any obligations to proceed if you are not satisfied with the outcome.

Because loan rates, terms and the total cost of the various lending options may vary, it’s important you read and fully understand all loan documents presented to you by the lender. You never want to accept a loan, without knowing the interest rate, monthly payment, and full cost of the loan, as well as, how the loan may potentially affect your credit history or financial situation.

Life House Financial’s Mission

Our mission at Life House is to save you time from having to shop around from bank to bank. We are also here to help you avoid the most common mistakes borrowers make when searching for unsecured financing. The information and services we provide are at absolutely no cost or obligation to you. You will never have to worry about being pressured or sold into accepting a loan.

Submit your information today by clicking get started below and one of our representatives will call to discuss your lending options, and can help you get matched to a lender within our network. We are standing by Monday – Friday, ready to discuss your options at no cost or obligation whatsoever. Give us a call today at 1-888-952-7280, or you can submit some basic information about your needs using our online form.

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Copyright В© 2017 – Life House Financial Security | Terms of Use

ADVERTISING DISCLAIMER: The Operator of this website is not a lender and cannot guarantee you will be approved for a loan. This website offers a free service that will match the information you provide with a loan and/or financial solution or service from a company that appears to most closely match your needs. These companies include personal, business, installment, line of credit, and short-term loan providers, as well as other financial service providers (“Providers”). This website receives compensation from Providers in certain circumstances. This compensation may impact how and where products appear on this site, such as the order or placement. Our Providers do not represent all loan companies or all types of offers available in the marketplace. This website does not broker loans to a lender, is not an agent of or represent a lender in any other capacity other than as a referral source. This website does not make, fund or offer any specific loan or financial product. This website does not constitute an offer or solicitation to lend. This website does not charge for any service or product. This website does not endorse or recommend the products or services of Providers, and are not an agent or advisor to you or Providers. We do not validate or investigate the licensing, certification or other requirements and qualifications of Providers. It is your responsibility to investigate Providers. You acknowledge and agree that Providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of Providers products and/or services. You should review each Providers terms and conditions to determine which loan is best for your personal financial situation. We highly encourage you to consult a qualified financial professional before making any type of financial decision. This service is not available in all areas within the United States. LifeHouseFunding.com is operated by Life House, 3 Executive Park Dr. Suite 201 Bedford, NH 03110 Phone: 1-888-952-7280.

*Displayed rates and terms located on this website are representative of a prime credit individual and are not typical of all applicants. The term, rate, and loan amount you qualify for will depend on your credit worthiness and personal financial situation.


Mortgage Calculator with Current Rates – Calculate Mortgage Payments with Ease from, house payment calculator.#House


Mortgage Calculator

Calculate your monthly mortgage payment using the free calculator below. A house is the largest purchase most of us will ever make so it’s important to calculate what your mortgage payment will be and how much you can afford. Estimate your monthly payments and see the effect of adding extra payments.

Choose a lender below and lock in your estimated payment of $ or less

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Mortgage Basics

This step-by-step guide will help you understand the sometimes-difficult journey to homeownership.

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Thinking about buying a house? These tips will help you find the best mortgage for you.

Helpful Calculators & Tools

Loan Calculator

This loan calculator will help you determine the loan monthly payments on a loan. View Calculator

Amortization Calculator

How much of your monthly payment will go towards the principal and how much will go towards the interest. View Calculator

15 or 30 year mortgage?

Lets us help you decide which mortgage loan is right for you. View Calculator

Debt ratio Calculator

Your debt-to-income ratio can be a valuable number — some say as important as your credit score. View Calculator

About our Mortgage Rate Tables

About our Mortgage Rate Tables: The above mortgage loan information is provided to, or obtained by, Bankrate. Some lenders provide their mortgage loan terms to Bankrate for advertising purposes and Bankrate receives compensation from those advertisers (our “Advertisers”). Other lenders’ terms are gathered by Bankrate through its own research of available mortgage loan terms and that information is displayed in our rate table for applicable criteria. In the above table, an Advertiser listing can be identified and distinguished from other listings because it includes a “Next” button that can be used to click-through to the Advertiser’s own website or a phone number for the Advertiser.

Availability of Advertised Terms: Each Advertiser is responsible for the accuracy and availability of its own advertised terms. Bankrate cannot guaranty the accuracy or availability of any loan term shown above. However, Bankrate attempts to verify the accuracy and availability of the advertised terms through its quality assurance process and requires Advertisers to agree to our Terms and Conditions and to adhere to our Quality Control Program. Click here for rate criteria by loan product.

Loan Terms for Bankrate.com Customers: Advertisers may have different loan terms on their own website from those advertised through Bankrate.com. To receive the Bankrate.com rate, you must identify yourself to the Advertiser as a Bankrate.com customer. This will typically be done by phone so you should look for the Advertiser’s phone number when you click-through to their website. In addition, credit unions may require membership.

Loans Above $424,100 May Have Different Loan Terms: If you are seeking a loan for more than $424,100, lenders in certain locations may be able to provide terms that are different from those shown in the table above. You should confirm your terms with the lender for your requested loan amount.

Taxes and Insurance Excluded from Loan Terms: The loan terms (APR and Payment examples) shown above do not include amounts for taxes or insurance premiums. Your monthly payment amount will be greater if taxes and insurance premiums are included.

Consumer Satisfaction: If you have used Bankrate.com and have not received the advertised loan terms or otherwise been dissatisfied with your experience with any Advertiser, we want to hear from you. Please click here to provide your comments to Bankrate Quality Control.

Mortgage Calculator Help

Using an online mortgage calculator can help you quickly and accurately predict your monthly mortgage payment with just a few pieces of information. It can also show you the total amount of interest you’ll pay over the life of your mortgage. To use this calculator, you’ll need the following information:

The dollar amount you expect to pay for a home.

The down payment is money you give to the home’s seller. At least 20% down typically lets you avoid mortgage insurance.

If you’re getting a mortgage to buy a new home, you can find this number by subtracting your down payment from the home’s price. If you’re refinancing, this number will be the outstanding balance on your mortgage.

Mortgage Term (Years)

This is the length of the mortgage you’re considering. For example, if you’re buying new, you may choose a mortgage loan that lasts 30 years. On the other hand, a homeowner who is refinancing may opt of a loan that lasts 15 years.

Estimate the interest rate on a new mortgage by checking Bankrate’s mortgage rate tables for your area. Once you have a projected rate (your real-life rate may be different depending on your overall credit picture) you can plug it into the calculator.

Mortgage Start Date

Select the month, day and year when your mortgage payments will start.

Mortgage Calculator: Alternative Use

Most people use a mortgage calculator to estimate the payment on a new mortgage, but it can be used for other purposes, too. Here are some other uses:

1. Planning to pay off your mortgage early.

Use the “Extra payments” functionality of Bankrate’s mortgage calculator to find out how you can shorten your term and net big savings by paying extra money toward your loan’s principal each month, every year or even just one time.

To calculate the savings, click “Show Amortization Schedule” and enter a hypothetical amount into one of the payment categories (monthly, yearly or one-time) and then click “Apply Extra Payments” to see how much interest you’ll end up paying and your new payoff date.

2. Decide if an ARM is worth the risk.

The lower initial interest rate of an adjustable-rate mortgage, or ARM, can be tempting. But while an ARM may be appropriate for some borrowers, others may find that the lower initial interest rate won’t cut their monthly payments as much as they think.

To get an idea of how much you’ll really save initially, try entering the ARM interest rate into the mortgage calculator, leaving the term as 30 years. Then, compare those payments to the payments you get when you enter the rate for a conventional 30-year fixed mortgage. Doing so may confirm your initial hopes about the benefits of an ARM — or give you a reality check about whether the potential plusses of an ARM really outweigh the risks.

3. Find out when to get rid of private mortgage insurance.

You can use the mortgage calculator to determine when you’ll have 20 percent equity in your home. This percentage is the magic number for requesting that a lender wave private mortgage insurance requirement.

Simply enter in the original amount of your mortgage and the date you closed, and click “Show Amortization Schedule.” Then, multiply your original mortgage amount by 0.8 and match the result to the closest number on the far-right column of the amortization table to find out when you’ll reach 20 percent equity.


When Will My House Be Paid Off? Extra Home Mortgage Payment Calculator, house payment calculator.#House


house payment calculator

If you start to pay more or less toward your mortgage each month than the original payment amount, you can save or add a number of years to the length of your mortgage. Even the difference of just $40 can save you a couple of years or add a couple years to the length of your payment.

If you took out a mortgage loan for $250,000.00 with a 5.000% interest rate, for example, you could expect to pay $1,342.05 per month. If you change your payment to $1,304.12, however, you will have to pay on your mortgage for 32 year(s) and 2 month(s) instead of 30 years.

Money Saving Tip

How much money could you save? Lock in low rates today!

When Will I Pay My Mortgage Off?

If you only pay your established monthly mortgage payment each month, it will be easy to figure out when you are going to pay off your house: At the end of your loan term, usually in 30 years.

House payment calculator

However, there are a number of reasons why you might inadvertently change the original terms of your loan, leaving you uncertain when you will finally pay off your mortgage. For example, you may lose your job and need to work out a reduced or delayed payment plan with your lender. Since interest is still accruing during that time, you don’t just move back the term of your loan by the number of months you were paying less than usual. You will need to recalculate your payoff date.

Extra Home Mortgage Payment Calculator

You may also come into some more money that you want to put toward your mortgage. For example, you may get a great bonus from work at the end of the year or at the completion of a special project. You may win some money through a raffle or a special trip to the casino. You may come into some inheritance that you want to use to pay down your mortgage quicker. You may just get a better job in which you’re making more money, or you may eliminate some other debts or free up some money in your monthly budget that you now want to put toward your mortgage to pay it off faster.

Paying extra money on your mortgage, whether you do it each month or you do it in periodic payments such as when you get a bonus, can help you to save money over the life of the loan. You’ll reduce the overall interest you have to pay. Depending on how much extra you pay, you could save yourself thousands in interest charges over the years.

Calculating Your New Payoff Date

Using the above calculator can help you get a clear picture of how much more quickly you can pay off your loan based on how much extra you plan to pay each month. The above calculator is also useful if you are trying to figure out how much extra you would need to pay if you want to have your house paid off by a certain date to meet financial goals, such as being able to retire early.

To use the calculator, just put in the amount of the original loan, the interest rate, the length of the loan, and the monthly payment that you propose. The results will be e-mailed directly to you within moments with a plain-English analysis. If you are trying to figure out how much you need to pay to meet a pay-off goal, you will just need to keep experimenting with the monthly payment until you get the results you want.

Of course, the calculator can only give you an estimate to help guide your financial planning. You will need to talk directly with a loan counselor to understand how your payments impact your particular loan. For example, you loan may include a penalty for early re-payment. By talking to a loan counselor, you can understand all the circumstances that may affect your loan so that you can make the best decision to meet your financial goals.


Loan Calculator and Payment Schedule, Not a Toy, house payment calculator.#House #payment #calculator


Loan Calculator

Since you may have happened upon this loan calculator to calculate a monthly payment, I’ll cut to the chase. You’ll only need to enter three numbers, and you can leave the other dozen or so options untouched.

Here’s all you need to do.

  • Click clear and enter values for:
    • Loan Amount
    • Number of Payments
    • Annual Interest Rate
  • Leave Loan Payment Amount set to 0.
  • Click either Calc or Payment Schedule.

There you have it. Now you have what you need.

This calculator though offers users so much more. Spend a few minutes with it, and you’ll see. More below.

Will making small, extra payments save me money?
Will paying half the monthly payment every other week save interest charges?
Buying or selling real estate?

VERY IMPORTANT – You must enter a 0 if you want a value calculated. Some users have been frustrated by this. They want to know why the calculator does not just recalculate a payment if they have changed the loan amount, interest rate or term.

This is because we want the calculator to be able to create an amortization schedule using whatever parameters you want to use. This behavior is a feature! After all, there is no such thing as a correct loan payment. The payment amount is correct as long as both the lender and debtor agree to it!

ABOUT DATES – This calculator now allows irregular length first periods. That is, the calculator calculates the exact amount of interest due even when the initial period is shorter or longer than the other scheduled periods. This will result in payment amounts as well as interest charges that do not match other calculators. If you want to match other calculators then set the Loan Date and 1st Payment Date so that the time between them equals one full period as set in Payment Frequency . Example: If the Loan Date is May 15th and the Payment Frequency is Monthly, then the 1st Payment Date should be set to June 15th, that is IF you want a conventional interest calculation. See the end of the Help text for some more details.

Of course, you can always leave the dates set as they are when the calculator loads.

Much More Than a Payment Calculator

Since the calculator will solve for multiple unknowns, it can easily be used to answer the following questions:

  • How much can I borrow?
  • What would my payment be?
  • What is the lending rate?
  • How long will it take to pay off my loan?
  • What date is my loan paid off?
  • NEW – what is the impact of extra payments?

House payment calculator

See the payment schedule for total interest saved.

Loan Calculator Help.

This calculator will solve for any one of four possible unknowns: Amount of Loan , Total Scheduled Periods (term), Annual Interest Rate or the Periodic Payment .

Enter a ‘0’ (zero) for one unknown value.

The term (duration) of the loan is a function of the Total Scheduled Periods and the Payment Frequency . If the loan is calling for monthly payments and the term is four years, then enter 48 for the Total Scheduled Periods . If the payments are made quarterly and the term is ten years, then enter 40 for the Total Scheduled Periods .

The Amortization Method should be set to Normal (level payments) unless you have a specific reason to set it to another method. Fixed Principal causes the amount allocated to principal to be the same each period which result in decreasing payments.

If the terms of the loan call for a 0% interest rate, then the Amortization Method must be set to No Interest, otherwise entering a zero for Annual Interest Rate? will cause the calculator to calculate an interest rate. Selecting No Interest, also lets the user set the payment amount to 0 to tell the calculator to calculate it.

When the first period, the period of time between the loan date and the first payment date is longer than one full period, there will be interest due for the extra days . This is known as odd day interest. Example: if the loan date is March 24 and the first payment date is May 1, then there are 8 odd days of interest – March 24th to April 1st. How the odd day interest is calculated and collected is controlled with the Long Period Options. By default, the odd days interest is shown being paid on the loan date.

Conversely, if the time between the loan date and first payment date is less than the payment period set, then the first period is said to be a short initial period and the first payment will be reduced due to less interest being owed. How the payment amount and interest is calculated for a short period is determined by the Short Period Options.

On a more general note, we have been discussing details about loans, some structured with unusual features, over several decades. At this point, we believe our software calculators can create a schedule for any structured settlement loan that exists. If you have a loan with special requirements, please ask.

Hopefully, you’ll find this loan calculator as well as all the financial calculators on this site to be useful tools. Why not take another sip of your favorite beverage and explore for a few minutes? Start by checking out The Reading Room. Here you’ll find a half dozen articles, written by professionals, about money.