Admin

Lending / Financial

Buying real estate is even more challenging for those of us whose eyes glaze over at the mere mention of decimals, percentages or anything else that even hints of mathematics.


The financial aspect of purchasing the largest investment of your lifetime, though, is the most important. Nobody wants to lose money. Nobody wants to leave money on the table.


If you're in the market for information on mortgages, credit scores and interest rates, you've come to the right place. The financial and mortgage pros here at ActiveRain even tell you how to shop for and compare lenders, how to raise your credit score, how to get a mortgage after a short sale or foreclosure and how to get pre-approved for a mortgage loan. Even Mom and Dad can't give the great advice you'll find here at ActiveRain.


Plan to spend some time here because ActiveRain's content library is massive. Lucky for you we've arranged it so that it's über user-friendly. You'll be amazed at how easy it is to put your finger on just the information you're looking for without having to surf a million other pages.

Recent blogs on Lending / Financial
By Manfred Lewis Leslie Horne & Associates, Realtor Spartanburg and Greenville SC
(Leslie Horne &Associates )
Planning to sell or refinance your home? Be mindful of prepayment penalties that some mortgages charge if you pay off your loan early. It’s important to review your loan terms to avoid any surprises when you’re ready to move forward. #thehelpfulagent #home #houseexpert #house #listreports #homeowner #investment #a111324 #realtor #realestateagent #realestate
Comments 0
By Moshon Reuveni
(Private Lending Company)
The world of loans can be overwhelming, especially for first-time borrowers. Whether you're looking to finance a home, buy a car, pay for education, or consolidate debt, understanding the basics of loans is crucial. This guide will walk you through the steps to secure a loan, covering key topics such as private lenders, hard money loans, and how to find a lender using Lendersa.com.LoansA loan is a financial agreement where a lender provides a borrower with a specified amount of money, which must be repaid over time, typically with interest. Loans can vary significantly in type, purpose, and conditions.Types of Loans Personal Loans: Unsecured loans for various expenses like debt consolidation or emergencies. Auto Loans: Secured loans for purchasing vehicles, with the car serving as colla...
Comments 0
By Moshon Reuveni
(Private Lending Company)
Home equity loans, also known as HELOCs (Home Equity Lines of Credit), offer homeowners a way to leverage the value of their property to access funds. These loans can be used for various purposes, from home improvements to debt consolidation. If you're considering applying for a home equity loan, understanding the process is crucial. This article will guide you through the steps to obtain a home equity loan, including how to find a lender and what to expect during the application process. For a comprehensive search of lenders, visit Lendersa.com.Home Equity LoansBefore diving into the application process, it's essential to understand what a home equity loan is. A home equity loan allows homeowners to borrow against the equity they have built in their property. Equity is the difference b...
Comments 2
By Bob Elliot, 30+ Yrs Industry Experience
(eXp Realty)
Big inflation reports for the coming week with both CPI and PPI on the schedule. We should expect the data to remain within expectations given the latest reports from both the PCE Index and GDP estimates. The Federal Reserve has still remained hawkish and the last rate decision the expectation is the current rates should maintain. However with the inflation being very close to the Federal Reserve’s target inflation rate and the expected “soft landing” on the horizon. The outlook is optimistic for another round of rate cuts in future.Federal Reserve Rate DecisionIn the face of slowing inflation and strong consumer spending, the Federal Reserve announced that it will keep the interest rate steady, holding the benchmark borrowing rate to a range of 5.2%5 to 5.5%.Consumer CreditThe numbers:...
Comments 2
By Jerry Thomas-Construction Loans, Construction Loans in MI, OH, PA, CO VA, GA and FL
(Cranbrook Loans)
  I’ve been doing residential construction loan lending for over 30 years now. Until the last few years I rarely had a builder that insisted on a Cost Plus contract. Now I see them frequently and it’s a problem.   A Cost Plus contract is different from a Fixed Price contract. It’s more of an employment contract and not a promise to build at a fixed price. The builder is stating that they are uncertain of the cost to build. They will instead offer an estimate to build but then state that they are simply charging the homeowner the cost of materials, labor and fees and adding their profit of 8%, 10% or whatever they want to make on the project.    It’s a great deal for the builder. They guarantee themselves a profit on the project regardless of what it actually costs to build the home and ...
Comments 0
By Rodney Mason, VP of Mtg Lending, AL,AR,AZ,CA,CO,FL,GA,IN,MI,MS,NC,NV,SC,TN,TX,VA,WA
(Rate, Inc NMLS# 2611)
Take your investment strategy to the next level. With Rate’s short-term financing for residential commercial properties, it’s easy to purchase, renovate and sell for profit. Connect with me for hassle-free fix-and-flip financing. I can personally assist with all your fix-and-flip Investment Property mortgage needs in AL, AR, AZ, CA, CO, FL, GA, IN, MI, MS, NC, NV, SC, TN, TX, VA & WA. 🏡 https://www.rate.com/rodneymason  #Mortgage #MortgageExpert #LoanOfficer #Investment #InvestmentProperty #Conventional #FixNFlip #FixandFlip #RenovationMortgage #AlabamaMortgage #ArizonaMortgage #ArkansasMortgage #CaliforniaMortgage #ColoradoMortgage #FloridaMortgage #GeorgiaMortgage #IndianaMortgage #MichiganMortgage #MississippiMortgage #NevadaMortgage #NorthCarolinaMortgage #SouthCarolinaMortgage #Ten...
Comments 2
By Bill Salvatore - East Valley, Realtor - 602-999-0952 / em: golfArizona@cox.net
(Arizona Elite Properties )
Mortgage 101: Are you thinking of financing, refinancing, or just needing to understand how the process works? We squash the mortgage myths, and it all starts here. We research whether you need a VA, FHA, conventional, or non-traditional owner-financing loan. We can help simplify the process and remove the challenges. Call or Text "Mortgage 101" to Charles at 850-476-4494 for our FREE INFO PAK. How to Get Mortgage Info and a FREE Credit Report "Explore our latest inventory of homes or conduct your search at your convenience. Check out the latest Guide to Buying a Home. Check out the latest Guide to Selling Your Home. Are you looking to sell your home? Click here for a Free Appraisal and a Guide on Selling Your Home in the current market where selling myths are debunked. Bottom Line: "W...
Comments 3
By Manfred Lewis Leslie Horne & Associates, Realtor Spartanburg and Greenville SC
(Leslie Horne &Associates )
It's easy to feel overwhelmed and defeated at the concept of investing - it sounds a lot more complicated than it is. One thing's for sure, investing in real estate is one of the best things you can do for long-term financial security. So if you're ready to plant that first seed, give me a call and let's chat!#realestate #realestateagent #fhm118 #buying #selling #listreports #realestateexpert #financehub #homeowner
Comments 2
By Charles Stallions, 850-476-4494 - Pensacola, Pace or Gulf Breeze, Fl.
(Charles Stallions Real Estate Services )
Mortgage 101: Are you thinking of financing, refinancing, or just needing to understand how the process works? We squash the mortgage myths, and it all starts here. We research whether you need a VA, FHA, conventional, or non-traditional owner-financing loan. We can help simplify the process and remove the challenges. Call or Text "Mortgage 101" to Charles at 850-476-4494 for our FREE INFO PAK. How to Get Mortgage Info and a FREE Credit Report"Explore our latest inventory of homes or conduct your search at your convenience.Check out the latest Guide to Buying a Home.Check out the latest Guide to Selling Your Home.Are you looking to sell your home? Click here for a Free Appraisal and a Guide on Selling Your Home in the current market where selling myths are debunked.Bottom Line: "We 'R' ...
Comments 1
By Moshon Reuveni
(Private Lending Company)
Finding a trusted lender when you have bad credit can be a daunting task. Many individuals with poor credit histories often feel trapped, believing they have limited options for securing loans. However, there are reputable lenders who specialize in working with individuals who have less-than-perfect credit. To make an informed decision, it’s essential to understand the lending landscape and know where to look. For tips on selecting the right lender, you can refer to this guide on How to Choose a Trusted Lender. This article will explore some of the most reliable lenders for bad credit, the types of loans available, and tips on improving your chances of approval.Understanding Bad CreditBad credit typically refers to a credit score that falls below the average range, which can vary depend...
Comments 1
By Moshon Reuveni
(Private Lending Company)
In an unpredictable financial world, the need for quick cash can arise at any moment. Whether it's an urgent home repair, unexpected medical expenses, or a lucrative investment opportunity, having access to Fast Loans with No Credit Check can be a lifesaver. Among various loan options, hard money loans secured by real estate stand out as a practical solution for those looking to bypass traditional lending hurdles. This article will explore hard money loans in-depth, focusing on their benefits, how they work, and why they are a go-to option for many borrowers needing fast, accessible funds.What Are Hard Money Loans?Hard money loans are short-term loans secured by real estate assets. Unlike conventional loans, which rely heavily on the borrower's credit score and income verification, hard...
Comments 2
By Joe Jackson, Clintonville and Central Ohio Real Estate Expert
(Keller Williams Capital Partners Realty)
This blog discusses key considerations for obtaining a fast loan for a business, covering loan types, eligibility requirements, and benefits.Have a super fantastic week!Joe Jackson, Realtor-KWCP In the dynamic world of entrepreneurship, access to quick financing can be the difference between seizing an opportunity and missing out. Whether you need funds for a new project, purchasing equipment, or managing cash flow, understanding your options for fast business loans is crucial. This article will explore various avenues for obtaining a quick loan, including Small Business Administration (SBA) loans and hard money loans. For a comprehensive overview of lending options, visit Lendersa. Understanding Fast Business Loans Fast business loans are designed to provide entrepreneurs with rapid ac...
Comments 1
By Moshon Reuveni
(Private Lending Company)
In the dynamic world of entrepreneurship, access to quick financing can be the difference between seizing an opportunity and missing out. Whether you need funds for a new project, purchasing equipment, or managing cash flow, understanding your options for fast business loans is crucial. This article will explore various avenues for obtaining a quick loan, including Small Business Administration (SBA) loans and hard money loans. For a comprehensive overview of lending options, visit Lendersa.Understanding Fast Business LoansFast business loans are designed to provide entrepreneurs with rapid access to capital. Unlike traditional loans that may take weeks or even months to process, fast loans can often be secured in a matter of days or even hours. The key characteristics that define fast ...
Comments 1
By Dwayne Briscoe, Tax Resolution & QuickBooks Bookkeeping Specialis
(BOOKKEEPING-RESULTS, LLC)
Unfortunately, the 401(k) plan only went up $500 to $23,500 for 2025, so you need to possibly find other alternative options to find ways to save money on your taxes. Those individuals who are over 50 years of age are allowed to contribute an additional $7,500, which equals out to $31,000. This must be completed by no later than 12/31/2025. You must work with a financial advisor to make sure that payments are made in a timely manner and paperwork is filed with the appropriate entities to avoid any issues at a later date which can cause tax issues later.However, there are a number of people who constantly feel that this is a very slow way of putting money away for retirement, and they get frustrated because they don’t feel that it’s not getting any better for them. This is where thinking...
Comments 3
By Dwayne Briscoe, Tax Resolution & QuickBooks Bookkeeping Specialis
(BOOKKEEPING-RESULTS, LLC)
In order to help employers avoid the pitfalls of the tax consequences of failing to correct these issues, the IRS has developed for some years now the Voluntary Classification Settlement Program (VCSP), paving the way for more taxpayers to take advantage of this low-cost option for achieving certainty under the law by reclassifying their workers as employees for future tax periods.- The worst outcome for misclassification by the IRS and DOL can not only include:- The employer being charged with wage violations- The employer being charged with I-9 violations, civil fines, criminal penalties, as well as possible embezzlement- Employment insurance violations and underpayments- The EMPLOYER is responsible for both the employee and the employer’s tax liabilities for the months/years in dispu...
Comments 0
By Bridget "Mortgage Mama" McGee, Maryland Mortgage Mama NMLS#196068
(SWBC Mortgage 410-960-2061)
I am so proud to work for a company that innovates ways to help home buyers and sellers in Maryland.  With the competitive nature of a market plagued by limited inventory, like so many across the United States, having programs that help clients is more important then ever!Introducing the SWBC  Move -Up Program!   This program offers up to $10,000 in a non-repayable (forgiven at closing) grant(s) for eligible buyers living in OR moving to designated census tracts.How are we expanding affordable housing opportunities with this exclusive program?1.  NOT limited to First time Homebuyers2.  Income Limit is 140% o f the Area Median Income (AMI) -most bond programs max at 80% of the AMI3.  Available to those moving from OR purchasing a primary residence in a minority  census tract, as defined ...
Comments 1
By Lynn B. Friedman CRS Atlanta, GA 404-617-6375, Concierge Service for Our Atlanta Sellers & Buyers
(Atlanta Homes ODAT Realty - Love our Great City - Love our Clients! Buckhead - Midtown - Westside)
Atlanta Buckhead Midtown- Hurricane Helene TAX RELIEF Announcement - IRS postpones various payment deadlines until May 1, 2025 extending Tax Relief to Hurricane Helene Victims.- Part or all of seven states qualify -   IRS News Release, IR-2024-253, from October 1, 2024  COMPLETELY QUOTED FROM NEWS RELEASE:WASHINGTON — "The Internal Revenue Service today announced disaster tax relief for all individuals and businesses affected by Hurricane Helene, including the entire states of Alabama, Georgia, North Carolina and South Carolina. In addition, parts of Florida, Tennessee and Virginia will be included."The document is available in three launguages - English Español and 中文 (简体)"Taxpayers in these areas now have until May 1, 2025, to file various federal individual and business tax returns a...
Comments 3
By Bill Salvatore - East Valley, Realtor - 602-999-0952 / em: golfArizona@cox.net
(Arizona Elite Properties )
With the end of the calendar year fast approaching and the advent of 1099-NECs fast approaching, it’s important to have a refresher on what constitutes an Independent Contractor, as many are hired as such in the real estate and construction industry, but unfortunately there are many lines crossed that get blurred and could often lead to that person(s) be considered a potential W2 employee if the hiring person isn’t careful. The Independent Contractor’s Business Be aware though that if you control an independent contractor’s or leased employee’s performance on the job, you may be classified as a “joint employer” along with the leasing company, so you need to be aware of the extent of your infrastructure and how the employee works within it. Be sure not to negotiate with a leased employe...
Comments 2
By Dwayne Briscoe, Tax Resolution & QuickBooks Bookkeeping Specialis
(BOOKKEEPING-RESULTS, LLC)
With the end of the calendar year fast approaching and the advent of 1099-NECs fast approaching, it’s important to have a refresher on what constitutes an Independent Contractor, as many are hired as such in the real estate and construction industry, but unfortunately there are many lines crossed that get blurred and could often lead to that person(s) be considered a potential W2 employee if the hiring person isn’t careful.The Independent Contractor’s BusinessBe aware though that if you control an independent contractor’s or leased employee’s performance on the job, you may be classified as a “joint employer” along with the leasing company, so you need to be aware of the extent of your infrastructure and how the employee works within it. Be sure not to negotiate with a leased employee r...
Comments 3
By Bob Elliot, 30+ Yrs Industry Experience
(eXp Realty)
This week, the Federal Reserve’s preferred inflation data was released, and the results met expectations. This, along with recent GDP estimates, employment reports, and personal income/spending figures, paints a stable economic picture. It suggests that we may be on track for the Federal Reserve’s next round of rate cuts. The Federal Reserve has consistently stated its 2% inflation target and current figures show inflation at 2.1%. This indicates that a 'soft landing' for the economy could be within reach.PCI IndexPrices in the U.S. rose modestly in September, but not enough to suggest inflation is rekindling or to prevent the Federal Reserve from cutting interest rates. The Fed’s preferred PCE index moved up 0.2% last month, the government said Thursday. That matched the forecast of ec...
Comments 2