Facts About South Africa's Largest Non-Bank Mortgage Lender

Facts About South Africa's Largest Non-Bank Mortgage Lender

SA home loans was launched in South Africa in February 1999 and has grown up to become today's date specialist mortgage provider. They provide South African applicants with affordable rates and flexible mortgage options. It is famous for its affordable and competitive interest rates and fair service fee. When they started they offered interest rates at 19.6% which was pretty low as compared to the established banks at that time. They were the first mortgage provider to offer rates below 10% in over 22 years. They won the Daily News Readers' choice award for the best mortgage lender in year 2004 and 2005

Features:-

Flexible and low easy repayment options

Provides Home Owners Cover and Bond Protection Cover

Safe and secure banking service

Customer friendly client services helpdesk

They provide a wide range of option.

Variable

Super-Lo

Interest Only

Varifix

Quick Cash

Further Loan

Rapid Re-Advance

Further Re-Advance

They now have 22 branches countrywide and its head office is in Durban. They apply a non-banking approach by directly linking the customer to the money markets and passing the savings on to them. This is also called securitization, and is widely accepted means of funding.

With their Bond Protection Plan, you and your family are protected against possibility of repossession in case of any unanticipated circumstances like disability or death. You can cap your interest rate against rising interest rates. You can also borrow money against the increased value of your property i.e you can borrow against loan.You can easily get up to R75,000 cash within 72 hours. With their Varifix you can fix the interest rate on your home loan and choose the portion of your home loan to fix.

There are lot of innovative packages offered by them. It is worth a try as they are South Africa's largest non-bank mortgage lender.

Visit to: http://mortloans.blogspot.com/

Source: http://ezinearticles.com/?Few-Facts-About-South-Africas-Largest-Non-Bank-Mortgage-Lender&id=5879653

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Free Government Grant Money Available are here! Free grant money programs for business and personal needs, find out how to apply for free grants today!This is just a small & sample type of grants for woman are available. Consult the resource box at the end of this article for more information.

1.Women And Government Grants

Studies have shown that up to seventy five percent of women small business owners tend to be successful. Add that to the fact that as a group when applying for government grants women have the biggest advantage. In fact specifically earmarked for women are several business grant types. Small business grant funding does come with some limitations that haven't been discussed here. For a lot more information on this and grants in whole see the resource box. Just remember you may have to go in front of a foundation or a governing council's grant board to get your funding. Small price to pay for your self employment isn't it? When are you going to get started?


2.Choose a Business Loan Or Business Grant?

Did you know that grant programs don't mandate co-signers, security deposits, collateral or credit checks. In most cases all that is required by you is to inform them on the progress of goals specified in the application and send in periodic progress reports. This is done to ensure that the funds granted to you are being used as intended. If you are serious about this then by all means look into the resources presented in the resource box.

3.Women And Business Grants

Women will find grants available to purchase an existing business. Excelling in your respective field is another excellent way to qualify for a government grant. Women who want to gain the knowledge to successfully run their own businesses can qualify for grants to attend business school. The main advantage of a business grant is that you DO not have to repay the money to the government or funding agency.

Apply for Grant
Grant Resources
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Grants for Woman
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Cash Grants

Apply for Grant,Student Grants,Payday Loans,Grants for Woman,Gov. Grant Money,Business Grant money,College Grant Money,Grant Money for Home,Cash Grants.

Visit to:http://mortloans.blogspot.com/


Source: http://applygov-grantmoney.blogspot.in/2012/05/nursing-scholarships-for-women.html


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Financing Education Mortgage loans

Financing Education Mortgage loans

Every once in awhile you see an article come up about Federal Student Loan programs and this week I saw two.Reuters published an article a few days ago suggesting some fuzzy math by FinAid.org's Mark Kantrowitz concerning the nation's total student loan debt. It suggested that Kantrowitz may have overstated the number and was actually more like 610 to 800 Billion dollars. Not quite the 1 trillion dollar number being bandied about but historically large nonetheless.

On the political side Ron Paul (Republican candidate for president) in an interview on Sunday's (10/23/2011) Meet the Press on NBC said, "he'd kill the loan program eventually if he were president". His comments were framed in the context of higher education costs being inflated by government intervention.

While it's refreshing that the magnitude of the problem is coming to light, I've yet to see any real action to change it. Last year as part of President Obama's health care reform act, new student loans were going to be directly administered by the federal government. The goal was to eliminate the loan servicers who are in effect the middlemen of the student loan industry. Their function was to handle the administrative aspects of the Federal student loan programs adding fees and costs to the borrowers total indebtedness as well as to the Federal government.

While a welcome change, the legislation did virtually nothing for current loans. Student loan servicers haven't gone anywhere and as student debt grows it's a sure bet that a portion of that increase can be attributed directly to fees and gaming of the system by both schools and loan servicers.

The issue is that this isn't a fair game; in fact it's got worse odds than a Vegas slot machine. As I look at the overall condition of the economy it's not a stretch to believe that default on student loans is going to be the next financial bubble to collapse taking the government backed student loan program with it as well as the banks participating in it.

Visit to: http://mortloans.blogspot.com/

Source:http://technorati.com/politics/article/financing-education-another-mortgage-crisis-in/


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Single Parent Home Loans

Single Parent Home Loans

As a single mom or dad, getting a secure and stable home loan becomes an important process to improving the quality of life and stability your children want and need. The FHA Loan program is an ideal and unique tool that single parents can utilize to effectively achieve almost any home loan objectives.

Whether you're a single mother needing an FHA Refinance loan; A single father who's ready to become an FHA Home Buyer; Or a single parent needing to get an FHA Cash Out Loan to consolidate debts left over from a divorce, at Lifestyle-Mortgage.com we believe our FHA program is an ideal mortgage solution for many single parents. Why not call today to learn more! Call now or just use our Quick Mortgage Application! Our consultations never come at a charge!

Utilizing the FHA mortgage program can provide single moms and dads with many advantages:

Compensating Factors Can Allow FHA Underwriters To Forgive Credit Imperfections.
Ease Of Qualifying With Flexible Debt Ratios Can Make The FHA Home Loan An Optimal Home Buying

Tool For Many Single Parents.

Using The 2/1 Buy-Down Program Can Facilitate Lowering Your Front End Housing Cost Ratio For More Opportunities To Get Approved For Single Dad's And Mom's Alike!
The FHA Mortgage Is A Great Program To Finance Single Family Homes And Lower Cost Mobile Homes Tied To Land!

Single Parent Home Buyers Can Utilize Gifts From Family Members, Friends, And Distant Relatives To Meet Down Payment Requirements!
Borrowers Could Be Eligible For Local Grants That Can Help Not Only Pay Your Down Payment, But Your Closing Costs As Well!

Sellers Can Assist Single Parents By Paying Up To 6% Of Your Closing Costs!
The FHA Loan Program Has Government Regulated Closing Costs Which Control What You Can Be Charged For When Purchasing Or Refinancing A Home.When Using The FHA Streamline Program, Existing FHA Loans Can Be Quickly And Affordably Modified Without Having To Qualify For A New Loan.

The FHA Mortgage Program Offers Single Parents Unmatched Security For Home Retention. Ask Us About The Foreclosure Intervention Opportunities The FHA Loan Affords During Unexpected Financial Crises. Talk About Maximizing Stability Opportunities For Your Children!The FHA home loan program, without a doubt, affords many single mothers and fathers opportunities at homeownership and financial security than can be found with any other mortgage program today.

Whether you're a First Time Buyer or a seasoned homeowner, why not take advantage of todays low Fixed Rate programs! Call now to see if you qualify for the FHA Loan. Simply use our fast and easy Quick Mortgage Application! You've got nothing to lose, and financial freedom and independence could be just a phone call away!

Visit to: http://mortloans.blogspot.com/


Source: http://www.lifestyle-mortgage.com/fha/single-parent.shtml


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Mortgage Marketing Ideas

Mortgage Marketing Ideas


Any kind of marketing job can be tricky to handle until you hit potential customer rich regions. When it comes to mortgage marketing, your job is even more challenging in times of economic recession. With the property market slowly easing out back into gear, there are new opportunities for mortgage brokers to make inroads through some smart mortgage marketing ideas.

Smart Marketing Ideas

Any marketing project is a lot of hard work and you need to invest large amount of your own time and money to reach out to people. There is a lot of homework involved in researching your product. It forms the basis of your marketing strategy. Through research, what you need to determine is what your target customer base is going to be. You should direct your marketing strategy towards market niches that have demand for your product. In your case, it is the real estate market. Mortgage loan is a financial product which requires you to penetrate a wide potential customer base, which are people planning to become new home owners. Your marketing strategy is all about building relationships and advertising your services widely.

Mailing Brochures
One of the simplest ways of reaching out to people is sending out brochures detailing the mortgage loan services offered by you. Let there be a personal touch in the entire wording of the prose. You will have to spend quite a lot on creation of the advertising brochures and mailing costs, but even if you can net 10% of the people into your network, money spent will be completely worth it.

Real Estate Agent Network
You cannot hope to forward your mortgage broker business without spreading your tentacles in the real estate agent network. People buying homes always look for finance options and the first person they consult is their real estate broker. If you meet and strike a deal with these agents to advertise your services, you can build up a mutually beneficial relationship. Most of your clients will come through a real estate broker. Reach out to as many real estate brokers, as you can through personal meetings. Striking deals with real estate agencies on a shared profit basis can bring in the moolah. They can pitch your mortgage loan services along with their real estate marketing campaigns. Call and pitch your services to these agencies and set up meetings for forwarding your business.

Real Estate Developer Network
Other than real estate agents, you can strike deals with property developers who can offer you with a wide customer base. You must convince developers to endorse your services.

Email Marketing
You can get email addresses of potential customers from real estate agencies. One of the low cost ideas is mailing these people via the Internet. The best part of using email services is that you can reach a wider user base and with practically no mailing costs, as electronic mail is free. You can also use online classifieds like Craigslist to market your mortgage loan services.

Local Business Networking
Your past customers can provide you access to their own business contacts. Contact local business owners who have been your customers and procure contacts from them who may be looking out for a mortgage loan. You can mail them brochures and advertise your services. This can get you copious mortgage loan leads.

Loan Fairs
Every year, home or mortgage loan fairs are organized by real estate developers, where you can showcase your mortgage loan services. This is one of the most lucrative ideas, as these fairs attract a fair number of first time buyers. Loan fairs are also good avenues for presenting mortgage services.

It is going to be hard work reaching out to people, but if you put in your efforts and build a contact network, eventually things will ease out. Have faith and persevere. Take advantage of opportunities that present themselves!

Visit to:http://mortloans.blogspot.com/


source:http://www.buzzle.com/articles/mortgage-marketing-ideas.html


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