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Articles by J Chase

• Why You Should Consider a VA Home Mortgage Loan
  If you are a veteran, there are a number of government programs designed to help you pay for college, get low interest loans and even buy a house. If you have yet to consider a Veterans Administration loan, you should spend some serious time looking into this potentially beneficial home buying option.
  Published 08Feb2010, viewed 362 times

• Complete Financing for Veterans with a VA Mortgage Loan
  If you are a member of the military, you have devoted a huge portion of your life to help the United States. While no one can thank you enough for this sacrifice, a number of government programs were created to allow you certain benefits not available to the general public, and a VA loan is one of those benefits. You can fully finance your home with a VA loan, even with no money down!
  Published 08Feb2010, viewed 337 times

• Important Facts for VA Home Loans-& Finding A Good VA Lender
  You might be interested in getting a VA home loan to buy a house if you are a veteran; however, there are some important tips to remember and some important VA guidelines to keep in mind. In general, if you prepare properly, you should have no problem getting approved for a VA home loan.
  Published 08Feb2010, viewed 445 times

• New FHA Regulations and the Impact on the Jumbo Loan Market
  The Federal Housing Agency (FHA) has actively involved itself in the process of examining and potentially correcting the current real estate crisis in America. New FHA loan rules were announced in January, 2010, which could have a major impact on the availability of jumbo mortgage loans for millions of Americans.
  Published 29Jan2010, viewed 370 times

• What Affects Your Credit The Most: Debt Settlement, Debt Consolidation or Bankruptcy?
  With the economy continuing to turn sour, the unemployment rate in double digits and underemployment shrinking the budgets of millions of Americans, people are exploring ways to get rid of their debts. Dealing with debt has become an absolute necessity; however, finding the best way to eliminate debt without totally ruining your credit score is something most Americans are interested in.
  Published 23Jan2010, viewed 232 times

• Debt Settlement- A Step by Step Credit Card Debt Solution
  Getting free from debt, especially credit card debt, means creating an expert plan and then executing that plan. With credit card debt, there are certain steps that can help a consumer overcome even hundreds of thousands of dollars in credit card debt.
  Published 23Jan2010, viewed 345 times

• Can Debt Settlement Help With Holiday Bills?
  With the holidays having just passed, many Americans are discovering that they have compounded their debt problems and need debt relief sooner rather than later. Holiday bills take many forms, from credit card debt to newly opened department store credit cards which carry serious interest rates. However, debt settlement may be a viable option for anyone facing mounting unsecured debts.
  Published 23Jan2010, viewed 233 times

• What Are the Differences Between Debt Settlement and Bankruptcy?
  With unemployment at 10 percent, underemployment climbing towards 20 percent, home foreclosures at an all time high and the financial situation of most Americans in shambles, people need debt relief. However, each form of debt relief has different consequences, and going with bankruptcy is much different than going through debt settlement. The following are some of the major differences.
  Published 23Jan2010, viewed 200 times

• Will a Loan Modification Have a Negative Impact on Your Credit Report?
  If you are in the midst of a foreclosure or you own a house that is drastically underwater, you may be faced with a one of the biggest decisions of your life. You could try to sell your house, execute a short sale, get a mortgage modification or potentially just walk away from your home. The question is - how much will each of these options, especially a loan modification, affect your credit report?
  Published 23Jan2010, viewed 243 times

• Can You Get a Principal Reduction on Your Mortgage By Way Of A Loan Modification?
  There are a number of ways to execute a mortgage modification, because in the end, the goal is to lower your monthly mortgage payments. Many people do not know all the options they have available to them, but one of the best options for the homeowner is a principal reduction. The question is - can a homeowner find an effective way to get a principal reduction as opposed to the other options?
  Published 23Jan2010, viewed 528 times

• Debt Settlement - How Much Money Are You Wasting?
  For most people, interest rates are simply numbers. You probably know that a 20 percent interest rate is far worse than a 5 percent interest rate, but exactly how much worse might still be a mystery. If you have massive credit card debt and you need to know which credit card debt to pay off first, some vital information has been provided below.
  Published 23Jan2010, viewed 320 times

• Is Now the Time to Buy a House With Mortgage Rates So Low?
  Knowing when to buy a home is quite possibly the most difficult thing to gauge, which is why examining various factors and your own risk tolerance are absolutely necessary. Knowing industry trends and interest rates is vital, but it's actually more important to know your own sense of timing and your own position financially.
  Published 10Jan2010, viewed 229 times

• How You Can Find The Cheapest Fixed Rate Mortgages With FHA
  With the mortgage industry currently in a state of flux, there are all sorts of alternatives to the traditional 20 percent down mortgages offered by banks. Purchase money mortgages, FHA loans and more are all options available to home buyers, allowing them to get the home they want without having to save money for a decade or more.
  Published 08Jan2010, viewed 343 times

• New Developements In Loan Modification News
  A major lender is suspending foreclosures and evictions for 30 days, right during the holiday season. Citigroup, Inc., which owns hundreds of thousands of mortgages worth billions of dollars, is creating a temporary break which will benefit nearly 4,000 borrowers during this holiday season.
  Published 07Jan2010, viewed 682 times

• Debt Settlement-Ten Steps to Living Debt Free
  To have a debt free lifestyle, the hardest part is the transition. Going from a lifestyle dependent upon loans, credit cards and other forms of debt to a lifestyle that is debt free is quite difficult. Once you get there, then it's easy, but getting there is the hard part.
  Published 07Jan2010, viewed 522 times

• Debt Problem Warning Signs
  In today's dangerous economic climate, it is important to know about debt problems before they happen. For example, if you are able to know about debt problems before they happen, you can avoid foreclosure, massive credit card debt and possibly even bankruptcy.
  Published 27Dec2009, viewed 419 times

• Debt Settlement- The Truth About Your Credit Card Bill
  In May of 2009, President Obama signed what was supposed to be a landmark bill governing credit card companies. However, upon closer inspection, this legislation may not accomplish everything needed to protect consumers against predatory lending practices and interest rate hikes.
  Published 27Dec2009, viewed 215 times

• Debt Settlement Help- Sure Signs Your Finances Are Headed over a Cliff
  When the Great Recession began to take hold, people acted as if the entire process was a complete surprise. In all honesty, the signs of major problems were there all along. Americans were borrowing more money than ever before, credit lines had massive interest rates and people in general were spending far more than they could afford to pay back.
  Published 27Dec2009, viewed 210 times

• Is Bankruptcy a Good Idea When You Have A Lot Of Credit Card Debt?
  Bankruptcy has been around for quite some time, but only when people are in dire financial circumstances do they pay any attention to it. With the current "Great Recession" causing countless consumers and homeowners to face extremely difficult financial circumstances, people are looking into bankruptcy as a debt relief option. However, making a rash decision could lead to a decade or more of headaches.
  Published 27Dec2009, viewed 1624 times

• Credit Card Secrets That Will Help You Out
  The credit card industry makes hundreds of billions of dollars a year off of your debt. Last year alone the total amount of credit card debt topped out over $970 billion just in America! This is an industry built upon secrecy, high interest rates and false promises.
  Published 27Dec2009, viewed 418 times

• Common Debt Problems
  The current "Great Recession" was caused, in large part, but the excessive debt that both consumers and corporations got involved in.
  Published 18Dec2009, viewed 419 times

• Five Tips to Getting Free From Debt
  Throughout the country, people are fearful that their debts will cause them to lose their financial security. In fact, many others have been put on the brink of bankruptcy as a result of massive credit card debt, overwhelming medical bills and other forms of unsecured debt.
  Published 18Dec2009, viewed 294 times

• The One Simple Technique To Reducing Your Mortgage Payments Forever
  As we approach the end of the year, wouldn't it be great if there was a way to start the new decade with a lower mortgage payment? Well, this can be a reality with the help of some recent government changes also known as a loan modification.
  Published 15Dec2009, viewed 334 times

• The Secret Why Loan Modification Companies Can Actually Help You
  Loan modification companies have been the victim of some pretty bad news lately. It is impossible to turn on the news or radio and not hear about some kind of scam. It is true that this has become a popular business for many thieves. However, don't overlook the fact that a reputable loan modification company can actually help you. They have the ability to do things that would be difficult to do yourself.
  Published 25Nov2009, viewed 585 times

• Finding The Best Loan Modification Company
  Many homeowners are struggling with their mortgage payments and are unable to refinance. The solution to saving your home and reducing your payments at the same time is a Loan Modification. As this a becoming an effective way to make your home more affordable, many consumers don't know how to find the best loan modification company. Read on to find out what you need to look for.
  Published 17Nov2009, viewed 387 times

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