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Truth in Lending Act- Regulation Z
TRUTH IN LENDING ACT "Regulation Z"The Truth in Lending Act (TILA), Title I of the Consumer Credit Protection Act, is aimed at promoting the informed use of consumer credit by requiring disclosures ab...
Adjustable Rate Mortgage (ARM): How does it differ from FRM?
Adjustable rate mortgage programs differ from fixed rate mortgages in several ways. First, ARM interest rates and monthly payments are subject to periodic adjustments or resets. Adjustable rate loans ...
Second Mortgages: Loan products beyond the first mortgage.
Mortgage loans are called "second" mortgages whenever there is an existing mortgage on the property that will not be retired by the new loan. This loan is positioned behind the first mortgage, which m...
Home equity lines of credit (HELOCs): Providing money when needed.
Home equity lines of credit are second mortgages that can be put in place and then used only as needed. They are smart financing vehicles for those who need varying amounts of funding intermittently. ...
Cash-Out Refinancing: Another way to leverage home's equity.
Cash-out refinancing is another way to get money for home improvement projects, investments, debt consolidation, college, or starting a business. A cash-out refinance involves the replacement of the e...
Playing With Credit
Recent congressional pressure has forced credit card issuers to become a little more consumer-friendly. Citicorp has quit using "universal default" and Chase has stopped using the "two-cycle billin...
Refinancing Auto Loans
The news is full of advice about refinancing mortgages, but auto loans may also present a refinancing opportunity. With interest rates falling, car owners may want to look into lowering their car p...
Home Mortgage Disclosure Act -- Understand Your Rights
Mortgages are regulated not only by the Truth in Lending Act, but also by the Home Mortgage Disclosure Act. Understanding your rights as a homeowner can ease the frustration of buying a new home. ...
Cash Out Second Mortgage Loans Provide Multiple Financial Solutions
Using 2nd mortgage cash out loans for debt consolidation can help you streamline your finances while reducing extra fees and charges often associated with consumer credit accounts. As with yo...
Student-Loan Companies Want a Completed FAFSA
Anyone hoping to receive student loans should submit a Free Application for Federal Student Aid (FAFSA). This form is provided by the federal government to help determine how much and what types of...
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