Home Equity Loans After Bankruptcy - Choosing A Low Rate Lender

#Tip 5 - 2nd Mortgage Loan After Bankruptcy Get Approved Online With A Sub Prime Lender!!!

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2nd Mortgage Loan After Bankruptcy - Get Approved Online With A Sub Prime Lender

A 2nd mortgage loan after a bankruptcy is the easiest way to access cash. With online sub prime lenders, you can qualify for a mortgage as soon as your bankruptcy closes. But for near conventional rates, it is better to wait two years and build a solid credit history.

Bankruptcy And Sub Prime Lenders

Millions of people file for bankruptcy every year for many understandable reasons, such as job loss or illness. Sub prime lenders understand this and are willing to lend to such people

Specializing in high risk loans with unconventional terms, sub prime lenders can work out financing for virtually anyone. Legitimate lenders will offer rates that are competitive with reasonable closing costs.

Bankruptcy Affect On Your 2nd Mortgage Rates

The first two years after a bankruptcy are the most difficult for your credit score. Right after your bankruptcy, you will qualify for “E” class loans, the highest rate mortgages.

After a year and a good credit history, you can qualify for better rates with a “C” class loan. Rates are typically about 3% to 5% higher than conventional rates. And in two years, you can possibly have an excellent credit score and get prime mortgage rates.

Other factors also affect your mortgage rates. Keeping a large percent of your equity in tact along with cash assets could possibly bump up your credit score.

Comparison Shopping For Better Rates

No matter when you decide to secure a 2nd mortgage, you need to shop loan rates before settling on a lender. Each financing company has its own formula for determining rates and closing costs. A careful search of loan estimates will ensure you get the cheapest rates and fees.

If you don’t have a specific lender in mind, start with a mortgage broker site. They partner with several different companies to come up with special offers. From there you can expand your search to individual lender sites.

When you are looking at rates, be sure they include closing costs as well. With some lenders, low rates are available only if you pay thousands up front. You may also want to consider a home equity line of credit if you want to keep loan processing fees to a minimum.

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How To Get A Mortgage Even After Bankruptcy

Can you get a mortgage after bankruptcy?
Today on Debt Free in 30 I talk with mortgage agents Michael Smele and Bev Gay about whether it’s possible to buy a house after, or even during, a personal bankruptcy or consumer proposal. They each give their opinion about who can qualify for a mortgage and what options are available to individuals with poor credit.
The biggest take-away from our conversation about buying a house — saving up the biggest down payment possible will not only reduce your monthly payments, but it could also mean that additional insurance fees will not be included in those monthly payments.

July 2020 QOM - Home Equity Loan v. Home Equity Line of Credit (HELOC)

Ryan F. Callahan, CIMA®, CPFA
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Northeast Planning Associates, Inc.
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callahanplans.com

Should You Get A Mortgage From A Bank Or A Mortgage Broker?

Should You Get A Mortgage From A Bank Or A Mortgage Broker?
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All YOU need to know about Home Equity Loans

Jayson Bates
NMLS #220798
602-573-3101 cell


In this episode of Valley of the Sun Real Estate Show I review the Home Equity Loan. I go over the different types of Home Equity loans and some of the pitfalls of the Home equity loan. If you are looking into a home equity loan then this is some good information for you.

Jayson Bates

602-573-3101

Think Twice Before You Get a Home Equity Line of Credit

Think Twice Before You Get a Home Equity Line of Credit - Debt Free In 30 - A Personal Finance Podcast - Ep 231. A home equity line of credit (HELOC) is a loan secured by the equity in your house. A HELOC is often presented as a great borrowing tool because unlike with credit cards or unsecured loans, you have access to a large amount of revolving cash at a lower interest rate. But what you probably don't know is that your bank can change the borrowing terms on your HELOC whenever they want. I talk with Scott Terrio and he shares why you need to think twice before signing up for a home equity line of credit.


Show notes:

3 Best Low Interest Personal Loans

The 3 best personal loan companies I found online!
LightStream Loans (My #1 Pick):
(I may be compensated by LightStream through this link.)

Watch more loans/interest videos:

The best personal loans I found were American Express personal loans, SoFi and LightStream Loans. I'll cover them each in-depth. Enjoy.

Each of these personal loan companies have pros and cons, so I'll cover each of them and I'll let you know how I feel about their loan options. It was very hard to find low interest personal loans online, because there are so many to choose from. But these lenders don’t charge any dirty origination fees or pre-payment penalties and they have instant approval, which is sometimes hard to find.

Personal loans can be very expensive, so watch this video and hopefully you'll learn something new. And keep in mind that you’ve gotta have good credit to be approved for these loans. Bad credit won’t work with these lenders. So if you’re looking for a personal loan for debt consolidation or medical bills, then you’re making the right choice.

Overall I felt like American Express is the best personal loan for smaller loans with shorter lengths (like 12-36 months). They have great rates and terms, but you’ve gotta be a cardmember to qualify.

SoFi is incredible because of all their perks and transparency, but when it came down to their actual rates, they were a little higher than the competitors.

My top pick goes to LightStream Loans Because overall they have the most lending options and the best rates for larger unsecured loans. and they have au

Just remember that personal loans aren’t always the best option for loans, but if you need one, then I’d look into these three choices. Thanks

American Express Personal Loans:
SoFi: Asked that the link be removed :(

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Honest Finance covers a broad range of financial topics that'll give your life and finances more value. Consider subscribing to Honest Finance for more related videos:

I'll give you the honest truth about a variety of financial and life improvement topics in a way that actually makes sense. I'm not a financial adviser, so take my advice for entertainment purposes only and seek professional help when needed. I simply want to share my financial opinion with anyone who will listen.

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What You Need to Know about Home Equity Loans – Oct 30

Ron Siegel discusses local and national current events, politics, personal and business finance with a few mortgage tips along the way. A Southern California mortgage expert and bonafide political junkie, Ron Siegel delivers intelligent, entertaining radio that makes the hard news of the week easy to understand!

Ron Siegel will discuss: Are You Spending TOO Much on Rent?; What You Need to Know about Home Equity Loans; How Do Personal Loans Impact Your Credit?; What's the Fastest Way to Boost My Credit?; Real Time Real Estate; Your Credit Matters; Mortgage Minute; Word on Wealth; and so much more.

Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family.

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Ron Siegel, Your La Quinta Mortgage Lender offers: Conventional Loans, FHA Loans, USDA Loans, Refinancing, and Reverse Mortgages

Three things you must know about HELOC Loans

If you have been inundated with offers to take the equity out of your home for a new kitchen or vacation, join me to learn what you need to know before you make a big mistake.


Mark's Money Matters was created to help people break their addiction to credit and bring some sanity to their finances. I want to try to reach as many people as I can to answer their questions about getting out of debt so please share your comments and questions here. You can also e-mail me your questions at mark@markmartella.com .

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Mark Martella is a bankruptcy attorney by trade but his goal is to put bankruptcy attorney's out of business through educating consumers about how not to get sucked into the black hole of debt. Mark offers educational videos as well as resources on his website for Money Matters that can be found at

On this website you will also find past episodes of his shows and blog posts.

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Morgan Minutes: Loan Qualification

In this week's Morgan Minute, Joel Morgan explores the loan qualification process and how the various elements of an application effect the lender's decision. For other great information on your options, be sure to join in the conversation! Subscribe to our YouTube Channel, follow us on Facebook and Twitter, and share in the fun on Pinterest!
Options Financial DBA of American Pacific Mortgage Corporation. NMLS 309418 | 829593 | 1850




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What is a home equity line of credit HELOC? | Bankruptcy Lawyer Port St Lucie

What is a home equity line of credit HELOC? | Bankruptcy Lawyer Port St Lucie

A home equity line of credit or HELOC is just like any other mortgage. It just happens to be a secondary mortgage behind the first mortgage. Generally, it could be a first mortgage as well. It covers the lender trough the equity that you hold in your home. If you are having trouble paying your HELOC, then you should talk to a bankruptcy Attorney about filing bankruptcy to protect your home. Many times HELOCs can be discharged in bankruptcy.

Call Bankruptcy Lawyer Port St Lucie, Florida Jon L. Martin at 772-419-0057 to schedule a FREE CONSULTATION and receive your FREE E-BOOK, or visit us online at

With offices in Palm City and Port St Lucie, Bankruptcy Lawyer on the Treasure Coast Jon L. Martin helps clients throughout the following cities and surrounding areas:
Hobe Sound, Jensen Beach, Palm City, Port Salerno, Port St. Lucie, Stuart, Vero Beach, and Sebastian.

With over 40 years of combined legal and business experience, Jon L. Martin Attorney at Law has helped hundreds of people in and around Martin and St Lucie County to relieve their financial problems.

Refinancing a Car Loan After Bankruptcy

Visit our website to read more about refinancing a car loan after bankruptcy:

How To Find & Buy Cheap Houses From The Comfort Of Your Home?

In today's video, we will talk about how to buy cheap houses from the comfort of your home. This has been one of the most requested topics and that is why we want to introduce you to a page where you can make the magic happen and still meet your budget. I'll will walk you trough the foreclosure.com website so you can get the most out of this page and find thousands of houses for sale throughout the United States. Happy learning!

???? LINKS MENTIONED IN THE VIDEO
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???? VIDEOS COMPLEMENTING THIS ONE
- Foreclosures | A Step by Step Guide ????
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???? HAVE A SPANISH SPEAKING SPOUSE OR BUSINESS PARTNER?
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⏰ TIMESTAMPS
0:00 How To Find & Buy Cheap Houses From Home
1:02 Introducing foreclosure.com
1:27 Stages of a foreclosure
4:09 Inside foreclosure.com website
05:59 How to find cheap houses
9:39 How to see the house info
14:52 Steps to buying a Pre-Foreclosure
15:55 Foreclosure and bankruptcy laws
16:46 Foreclosure redemption period
19:22 Document center foreclosure.com
22:16 Cheapest properties in America
28:39 Rent to own
33:37 Free trial week foreclosure.com


???? DISCLAIMER
***DISCLAIMER: THIS VIDEO IS FOR INFORMATIONAL AND ILLUSTRATIONAL PURPOSES BASED ON THE INDIVIDUAL EXPERIENCES OF THE PRESENTER. EVERY SITUATION IS DIFFERENT AND YOUR RESULTS MAY DIFFER. YOU SHOULD ANALYZE THE RISKS ACCORDINGLY BEFORE PROCEEDING TO TAKE ACTION***

#BuyCheapHouses #Foreclosure #RealEstateInvest

Debt vs Equity Financing | Advantages & Disadvantages | Key Differences

In this video, Debt vs Equity Financing we will study its key differences along with advantages & disadvantages.

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Debt means taking the money and debt financing means taking money without granting away your rights of ownership.

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#1 - Debt financing does not give company lender rights of ownership.

#2 - After subtracting taxes, you start paying interest on loans.

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#1 - Too much loan or debt generates cash flow issues which make it hard to repay your debts.

#2 - You have to pay the money back in a certain amount of time

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Company needs cash or extra income to grow continuously.These resources can be raised by equity financing .

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#1 - The risk is lower here because it's not a loan and it does not need to be repaid.Equity Financing is a very nice way to finance your business if you can't afford a loan.

#2 - We collect a shareholder network that increases your firm's credibility.

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#1 - In event of extremely large dispute with shareholders, you might only need to take advantage of cash and let investors run your business without you.

#2 - It takes time and effort to find the perfect investors for your firm.

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#1 - Debt is short - term finance, Whereas equity is firm's long - term finance.

#2 -Debt financiers are the firm's lender.Whereas, company's shareholder is the company's owner.

To know more about ???????????????? ???????? ???????????????????????? ???????????????????????????????????? you can go to this ???????????????? ????????????????:-

Subscribe to our channel to get new updated videos. Click the button above to subscribe or click on the link below to subscribe -

Jay Morrison| How To Find The Mortgage Company That's Right For You! (2019)

If you or someone you know is in the market for a home, I encourage you to grab a pen and paper before watching this video! In this excerpt from one of my recent Millionaire Secrets Masterclass I lay out why you must make informed decisions, and the questions to ask when interviewing your potential mortgage lender.

For a Free Financial Game Plan 1-844-JOIN-JMA.

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Tips On Buying A House After Bankruptcy

Tips on buying a house after bankruptcy - Is It Smart To Buy A House After Bankruptcy?

Each year, millions of people file bankruptcy as a means of wiping off their consumer debts.

While this approach may relieve stress, a bankruptcy is damaging and will remain on your credit report for the next ten years.

However, it is possible to overcome bankruptcy.

The key is making smarter financial and credit decisions and With that said, some people choose to purchase a home after bankruptcy.

Visit MyFICO today to check your credit scores from Experian, Equifax, and Transunion.

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Find Best Place to Get Home Equity Line of Credit Even with Bad Credit

Refinance home equity line of credit online to save your money. Reduce interest rates and spend your money whenever you need it. Visit,

Apply here,

Tips on Home Equity Loans

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The Home Equity Advantage - Chase

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The benefits of a home equity loan are showcased through two customer experience stories as they partner with their Chase home equity processors.

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USDA vs FHA, Which Loan is Better For You?

Finding the right loan program can be a long drawn out process. Get everything you need to know here as Angelo talks about the differences between the USDA and FHA.

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“CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

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USDA Loan Requirements (2020) For 0% Down!

What are the USDA loan requirements in 2020? We're going to unpack the USDA loan so you can see if it's the right loan option for you!

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In this video you'll learn:
- the minimum income for a USDA loan
- how you know if a home qualifies for a USDA loan
- if USDA loans are a good idea for you
- USDA loan income limits
- USDA loan down payment
- and a whole list of other requirements

USDA loans are incredible options for first time buyers and seasoned buyers who are looking to put 0% down on a home.

The biggest “catch” with USDA loans is that the home has to (1) qualify as a rural property and (2) you have to have a household income below the USDA income limit.

USDA loans require that the property you purchase be in good condition and that you’re living in the home as your primary residence. Not only that, but the buildings and land cannot produce income. USDA is very strict on making sure there is zero commercial use with a USDA loan. If you need to finance a home with an active farm on the property, you’ll need to use a farm loan.

USDA seems to have a somewhat narrow box of qualifications for buyers meaning that it can be a bit difficult for people to qualify for. USDA is looking for credit scores in the 640+ range. High credit scores tend to be the easiest way to get a USDA loan, but some lenders will allow down to a 580 credit score.

You’ll need to show an underwriter consistent income and employment over the past 2 years. Any job gaps that extend over 30 day will need a letter of explanation so the underwriter can understand if income and employment will be consistent in the future.

Can you get a USDA loan if you have a bankruptcy, foreclosure, or short sale? Yes! But USDA loans require that you wait a minimum of 3 years after the discharge or finalization of any derogatory credit event like a bankruptcy, foreclosure, or short sale.

Compared the FHA loan, USDA loans tend to be better since they allow 0% down, low mortgage insurance, and a reduced funding fee compared to FHA loan.

All in all, USDA loans are a great option if the program is something you can fit into. The qualifications can sometimes be tight as USDA have made the program somewhat niche, but if you qualify, USDA loans are incredible since they allow no money down, you can finance closing costs into the appraised value, mortgage insurance is low, the funding fee is low, and interest rates are remarkably low since USDA loans are government backed loans. This means the loan is less risky to lenders who are more willing to offer better rates for the program.

Keep in mind, USDA does have property limits and income limits. The best way to explore the USDA property eligibility and income eligibility is through the link below that will help you discover if you can qualify for a USDA loan.

➡️ USDA map and income calculator:

RELATED VIDEOS

1) FHA Loan Requirements (2019 & 2020)


2) Should You Use Your Tax Return As A Down Payment?


3) What's The Typical Down Payment On A House?


4) What To Expect During The Mortgage Process


5) How To Find A Realtor (For First Time Home Buyers)


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Kyle Seagraves
NMLS# 1701021
Motto Mortgage Alliance
8900 N. Dixie Dr.
Dayton, OH 45414
Equal Housing Opportunity

When VA Lenders Compete, You Win - How to Find a Good VA Mortgage Lender

This video and its contents are not intended for residents or home owners in the states of MA, NY or WA.

When VA Lenders Compete, You Win - How to Find a Good VA Mortgage Lender
Lowvarates.com - 844-326-3305

Did you know that you could save hundreds (or thousands) of dollars just by looking at multiple mortgage lenders? Getting several firms to compete for your business is a smart way to find the best deal as a consumer in most industries. And though many people don’t know it, when it comes to looking for a VA mortgage, this rule of thumb still applies. In this video, mortgage expert and Low VA Rates President Eric Kandell gives tips on just how to compare lenders and find the best deal.

Get a quote from Low VA Rates today to compare us with other VA Lenders. Give us a call at 844-326-3305.

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Low VA Rates

Address: 384 S 400 W, Lindon, UT 84042
Phone: 844-326-3305

#VAhomeloan

Conventional Loan Requirements 2019 & 2020

Hey, my name is Kyle and I'm a Mortgage Advisor serving Ohio and Tennessee. My goal is to help you get a crystal-clear home loan that helps you win the house you love.

➡️ Do you want to:
✅ Get pre-qualified?
✅ Schedule a call?
✅ Text me a question?
✅ Email me?
✅ Get a Realtor/LO referral?
➡️ Go to

--- Legal ---

Kyle Seagraves
NMLS# 1701021
Motto Mortgage Alliance
8900 N. Dixie Dr.
Dayton, OH 45414
Equal Housing Opportunity

Why You'll FAIL at Real Estate Investing (This is why people lose money in real estate)

Have you every wondered exactly why people lose money in real estate? In this video, I won't hold back. I'll tell you exactly what mistakes will cause you to fail at real estate investing. So calling all real estate investing beginners 2020! If you're wondering, how risky is real estate? Or, how people lose money in real estate. This video is for you!

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Refinanced Second Mortgages

What is a second mortgage

A second mortgage is another term for home equity loan. The amount that you can borrow on a second mortgage is normally based on the difference between the current value of your home and your original mortgage principal, this type of will utilize your home’s equity to provide you with funds for school tuition, home repairs, dept consolidation or any other financial need. This is usually a good way to tap the value of your home to meet your budget needs and it also helps you to avoid incurred high interest debt like credit cards

Benefits of second mortgages

There happens to be some innate benefits that come with a second mortgage. First, since this mortgage is based on your home’s value, as the home’s owner, you have the funds available. A second mortgage is usually a secured loan so it becomes easier to obtain than other types of loans.
The interest paid for this kind of mortgage is usually tax deductible. With a second mortgage, deducting the interest from your annual taxes could be done easily.

Second mortgage disadvantages

There are some disadvantages you ought to be aware of; to start with since your second mortgage is based on your homes equity, your home is on the line. If and when you default on your payments the bank will take away your home. Secondly, interest rates could be higher than a first mortgage; this will happen especially is your credit score is low. A low credit score will always affect the interest rate of your loan together with the amount you can borrow.

How to get a second mortgage

If you are determined to get a second mortgage, you need to do some few things. You need to make sure that the reason for getting it is worth risking your home. You can’t apply simply to get a new car, while you still have the old one. Also you have to get your home appraised. An appraisal will establish the current market value of your home which will be used to determine the how your second mortgage will be detailed. Once the appraisal has been done you need to find a lender. You could check with the lender who helped you with the first mortgage. Alternatively you could look online for a second mortgage lender. Finally, once you’re done with comparing prices pick your lender and remember to keep up with your payment, you don’t want to lose your home while you are at it.

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Should You Ever Take Out a Loan?

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3 Best Personal Loan Companies

The best personal loan companies I found online!
LightStream Loans (My #1 Pick):
(I may be compensated by LightStream through this link.)

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If you're looking for a personal loan online, then this video should help you out quite a bit. I had to do a lot of research for a personal loan in my own life, so I'd like to share the best personal loan companies that I found online.

When it comes to personal loans, there's too many lenders to choose from, so I've narrowed them down to 4 specific personal loan options. Each of these lenders does not charge an origination fee and they've all got great rates and terms to choose from.

I’d consider them all low interest personal loans, because they’ve got the best rates in the industry. So if you need to pay off credit card debt, consolidate debt, or you just want to improve your home, then a personal might be for you.

I'll be covering Marcus Loans by Goldman Sachs, LightStream Loans by SunTrust Bank (my favorite), American Express Personal Loans and TD Loans as well. All of these personal loan companies have great rates and loan options for every type of consumer. Some are great options if you need a personal loan with bad credit and others require excellent credit for the best rates. Enjoy the video and please share it!!! Thanks.

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I'll give you the honest truth about a variety of financial and life improvement topics in a way that actually makes sense. I'm not a financial adviser, so take my advice for entertainment purposes only and seek professional help when needed. I simply want to share my financial opinion with anyone who will listen.

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