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Mortgage interest rates have started to creep up! There may never be a better time to:

Mortage interest rates this week
  • Mortgage Refinancing
  • Purchase a Home
  • Get a Home Equity Loans
  • Get a Equity Line of Credit
  • Consolidate Your Debt
  • Get a Second Mortgage
  • Make a Home Improvements

If your credit rating is less than perfect you can even apply for bad credit loans

Check out our mortgage calculator to see your estimated payment for different loan amounts, interest rates, and terms.

    What's advantage for you:

    Bad Credit Loans If your credit is truly damaged, you may need a "SubPrime" loan. These loans may have higher interest rates, but they can often get you approved when no one else can.
    Refinance Your Home Mortgage Refinancing replaces your existing loan with another lower interest rate loan for the same amount. This can save you tons of money when market interest rates drop 1 or more percentage points lower than your present rate. Refinancing can be used to reduce your interest rate, change the term of your loan, or to consolidate your debts.
    Home Equity Loans With a Home Equity Loan you can use your home as collateral to consolidate bills, make home improvements, buy a new car, plan a vacation, etc. The minimum amount available for a loan is $10,000, but you can borrow as much as $250,000. There are no closing costs or fees associated with the loan.
    Debt Consolidation Signup for a free debt reduction analysis and see how you can save lots of money!
    Second Mortgages If you don't want to refinance your existing first mortgage, but would like to use your home equity for debt consolidation or just to get cash for any purpose.
    Home Improvement The Title I loan is for individuals requiring funds for home improvement, but who have little or no equity in their property or who live in a state where equity loans are very limited. If you have some equity in your home you may want to consider refinancing for your home improvements. Title I loans bear a higher interest rate than other loan types available.
    First Time Home Buyer Loan Generally, a lender will want your monthly mortgage payment to total no more than 29% of your monthly income before taxes and other paycheck deductions are taken out. Use our mortgage calculator to see what will be your monthly payment
       
       

    Take just 5 minutes and find the loan that fits your needs and save thousands of dollars, and best of all it's FREE!

Benefits of Availing of Prize Indemnity Insurance

When you're holding a big event or a competition, one of the big costs that you'll have to think about would be the cost of the prizes that you're going to give. People go to events for the prizes, and if you don't give out some freebies in a lottery or some other kind of game, your event won't be as attractive. Fortunately, there is a way to pay for the cost of all of these prizes without having to release cash on the spot. With prize indemnity insurance, you can have certain coverage of all your prizes without having to risk any money. Let's check out some of the benefits of using this type of coverage.

It Saves You Money

First of all, you get to save a lot of money on expenses on prizes. When you make use of the coverage of your prize indemnity insurance, your total expenses are covered by the insurance plan that you have. Your insurance plan, depending on the package, may reach up until 30% to even 100% coverage so that you don't have to shell out money right away. Big and expensive prizes like TV or sound systems will not be a problem for your company's budget anymore.

It Saves You All the Effort of Making a Budget

Aside from saving money, you'll also be able to save up on time and effort in making a budget. Making a budget for the contest or event prizes will take a lot of time and effort as well as a lot of pencil pushing. Once you have an insured prize, you'll be able to save a lot of energy and not have to think too much about making your budget. With this, you can concentrate on other aspects of the event that are more important.

It Gives You a Chance to Have More Flexible Promotions

The more coverage you have for prizes, the more prizes you can buy. With the more prizes you have in your arsenal, you can be even more flexible with your promotions. You can have a lottery, a big contest, a talent contest, or other types of competitions that your creativity can think of.

It Makes Your Guests Enjoy the Event

Lastly, you'll be able to make your guests and your clients happy! Everyone loves free gifts and the chance to get a lot of free stuff. Once you have the coverage that you need, you won't have to worry about letting everyone have a good time in the event. With big prizes that cost hundreds of dollars covered, you have spent on prizes that customers and guests would definitely like.

These are some of the benefits that having a prize indemnity coverage would give businesses. As long as businesses would have this sort of coverage, then they'd be able to hold fun and exciting events that'll make the guests really enjoy their time in the event. Prize indemnity coverage is really important especially for companies that hold events often. It helps save a lot of money, aid in promotions, and overall makes life easier for everyone.

 

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