Archive for March, 2010

Many Americans could save by locking in to a lower home loan rate today. To find the best possible mortgage rates it would be wise to compare mortgage interest rates today. Luckily, with the advancements in technology it is much easier to get interest rate quotes than it has ever been.


From the comfort of your own home or office you can click around on the Internet and find many websites that will offer mortgage interest rate quotes. It is important to understand that these quotes are just estimates and you will have to go through the application process to get a 100% accurate rate quote.

By doing your research you could end up saving hundreds of dollars a month on your mortgage payment. There are many Americans who have had the ability to refinance in the last year and they are seeing significant savings in the form of a lower monthly mortgage payment.

By doing your due diligence and homework you will find that there are mortgage lenders who will take the time and effort to give you great customer service as well as offering you low interest rates. With this in mind it would be wise to take action sooner rather than later.

Author: Alan Lake

President Obama and his staff have worked very hard to make sure that Americans dig themselves out of credit card debt. The Obama credit card that relief program was designed to help educate Americans on their rights when it comes to credit card debt.


The Credit CARD Act that was signed into law in February of 2010 is likely to change many rules they could affect you in April of 2010. If you are looking to apply for a new credit card you are going to find many changes when it comes to this application process.

It is no longer going to be the case that credit card companies accept any application and immediately send you a credit card. Credit card companies are going to have to be much more selective on who they allow to borrow money. If you have very bad credit you could find that you do not qualify for some credit cards.

In the long run this will greatly help America as some people do not need more credit cards. With several credit cards you are only getting drown yourself further in debt and cause more financial problems in your future.

Author: Heather Best

Many single mothers would love to go back to college but it is very difficult when it comes to personal finances. Luckily there are many single mother grants, scholarships and student loans to help mothers go back to college as soon as possible.


We have all heard the statistics that state that a college education will provide a much better life when it comes to personal finances. Some statistics state that a college degree will earn an individual over $1 million more over the course of their lifetime.

With this being the case many Americans want to further their education and provide a better life for themselves and their children. If you are single mother and you are looking for financial aid then you may want to consider grants, scholarships and student loans to help you go back to college.

Luckily, Pres. Obama and his staff have worked very hard to make sure that Americans have the ability to go to college and further their education. By simply doing your research you are likely to find that there are many opportunities to get money to go back to college.

Author: Tiffany Mann

Today’s lowest FHA mortgage rates have moved up to 4.95% for the 30 year fixed mortgage rate and 4.3% for the 15 year fixed mortgage rate. At the present time many mortgage lenders are reporting that conventional mortgage rates and FHA mortgage rates are coming in very close.


Over the last several weeks we have seen the 10 year treasury rate yield create a base and just last week we saw it break through its 50 day moving average. There’s a very good chance that the 10 year yield could push much higher over the next few days which will also push mortgage rates up.

Since 1971 the 10 year treasury rate yield and 30 year fixed mortgage rates have had a very strong correlation. In 2010 little has changed as 10 year yields are likely to pull mortgage rates higher. It will be very interesting to see how the 10 year yield reacts over the next few weeks.

With FHA mortgage rates still below 5% it might be wise to take action sooner rather than later. If you continue to wait there’s a very good chance that mortgage rates could move higher and you could be looking at a 30 year fixed rate closer to 6% than 5%.

Author: Heather Best

If you have the desire to borrow fast cash in early April you may want to consider research on a low income unsecured personal loan. If you are in the lower income tax bracket then you will sometimes find it challenging to borrow a significant amount of money.


If you have been in this situation before you know how frustrating it can be. It would be wise to do your research on a low income unsecured personal loan as this could allow you to borrow the money you need. It is important to note that the amount of money you can borrow will be greatly dictated by your income but a personal loan will often allow you to borrow more money than other loan types.

It is also very important to understand that the interest rate that you get on this personal loan will be greatly determined by your credit score. If you have a credit score below 680 and it has been declining over the last few months you were going to find that you have a high interest rate, possibly above 20%.

There are many companies and financial institutions that will be more than happy to help you take out a low income unsecured personal loan. It would be wise to contact several of these companies to know that you are getting a competitive interest rate on your loan.

Author: Jeremy North