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Are you entitled to a guaranteed approval, no deposit home loan from the US government? Apply for no down payment financing.

If you're a US Veteran, as part of your benefits for service to your country you may be entitled to a guaranteed approval, no deposit home loan from the govt. through the Veterans Administration (VA). To apply and review eligibility requirements, visit the government site at: homeloans.va.gov

Not eligible for a VA guaranteed no deposit home loan? Apply below for a consumer home loan.

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Military Service Requirements for VA Loan Eligibility:

*NOTE: Applications involving other than honorable discharges will usually require further development by VA. This is necessary to determine if the service was under other than dishonorable conditions.

Wartime - Service during:WWII09/16/40 to 07/25/47
Korean 06/27/50 to 01/31/55
Vietnam 08/05/64 to 05/07/75

You must have at least 90 days on active duty and been discharged under other than dishonorable conditions. If you served less than 90 days, you may be eligible if discharged for a service connected disability.

Peacetime - Service during periods:07/26/47 to 06/26/50
02/01/55 to 08/04/64
05/08/75 to 09/07/80 (enlisted)
to 10/16/81 (officer)

You must have served at least 181 days of continuous active duty and been discharged under other than dishonorable conditions. If you served less than 181 days, you may be eligible if discharged for a service connected disability.
Service after 09/07/80 (enlisted) or 10/16/81 (officer)

If you were separated from service which began after these dates, you must have:

(a) Completed 24 months of continuous active duty or the full period (at least 181 days) for which you were ordered or called to active duty and been discharged under conditions other than dishonorable, or

(b) Completed at least 181 days of active duty and been discharged under the specific authority of 10 USC 1173 (Hardship), or 10 USC 1171 (Early out), or have been determined to have a compensable service-connected disability;

(c) Been discharged with less than 181 days of service for a service-connected disability. Individuals may also be eligible if they were released from active duty due to an involuntary reduction in force, certain medical conditions, or, in some instances for the convenience of the Government.

Gulf War - Service during period 08/02/90 to date yet to be determined

If you served on active duty during the Gulf War, you must have:

(a) completed 24 months of continuous active duty or the full period (at least 90 days) for which you were called or ordered to active duty, and been discharged under conditions other than dishonorable; or

(b) completed at least 90 days of active duty and been discharged under the specific authority of 10 USC 1173 (Hardship), or 10 USC 1173 (Early out), or have been determined to have a compensable service-connected disability, or

(c) been discharged with less than 90 days of service for a service-connected disability. Individuals may also be eligible if they were released from active duty due to an involuntary reduction in force, certain medical conditions, or, in some instances, for the convenience of the Government.

Active Duty Service Personnel

If you are now on regular active duty (not active duty for training), you are eligible after having served 181 days (90 days during the Gulf War) unless discharged or separated from a previous qualifying period of active duty service.

Selected Reserves or National Guard

If you are not otherwise eligible and you have completed a total of 6 years in the Selected Reserves or National Guard (member of an active unit, attended required weekend drills and 2-week active duty for training) and

(a) were discharged with an honorable discharge; or

(b) were placed on the retired list; or

(c) were transferred to the Standby Reserve or an element of the Ready Reserve other than the Selected Reserve after service characterized as honorable service; or

(d) continue to serve in the Selected Reserves.

Individuals who completed less than 6 years may be eligible if discharged for a service- connected disability.

You may also be determined eligible if you:

(a) are an unremarried spouse of a veteran who died while in service or from a service connected disability, or

(b) are a spouse of a serviceperson missing in action or a prisoner or war.

[NOTE: Also, a surviving spouse who remarries on or after attaining age 57, and on or after December 16, 2003, may be eligible for the home loan benefit. However, a surviving spouse who remarried before December 16, 2003, and on or after attaining age 57, must apply no later than December 15, 2004, to establish home loan eligibility. VA must deny applications from surviving spouses who remarried before December 16, 2003 that are received after December 15, 2004.]

Eligibility may also be established for:

(a) certain United States citizens who served in the armed forces of a government allied with the United States in WWII.

(b) individuals with service as members in certain organizations, such as Public Health Service officers, cadets at the United States Military, Air Force, or Coast Guard Academy, midshipmen at the United States Naval Academy, officers of National Oceanic & Atmospheric Administration, merchant seaman with WW II service, and others.

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Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.

BankRate.com Review - © 2011 Bankrate, Inc. All Rights Reserved.

We at Bankrate, Inc. have over three decades' experience in financial publishing. Bankrate was born in 1976 as "Bank Rate Monitor," a print publisher for the banking industry. The "Bank Rate Monitor" newsletter we originally distributed contained much of the same rate research and information we're known for and respected for today. After two decades of conducting quality, trusted rate research, we took our product to the Web, expanded our offerings and made our online debut in 1996. Since then, we have increased our site traffic to over 7 million monthly unique visitors, expanded our distribution outlets, added new content channels and continually strive to provide a better, more comprehensive consumer experience.

Today, Bankrate, Inc. is the Web's leading aggregator of financial rate information, offering an unparalleled depth and breadth of rate data and financial content. Bankrate continually surveys approximately 4,800 financial institutions in all 50 states in order to provide clear, objective, and unbiased rates to consumers. Our flagship Web site, Bankrate.com, provides free rate information to consumers on more than 300 financial products, including mortgages, credit cards, new and used automobile loans, money market accounts, certificates of deposit, checking and ATM fees, home equity loans and online banking fees.

In addition to rate data, we publish original and objective personal finance stories to help consumers make informed financial decisions. Our staff of award winning reporters and editors provides expert advice on just about every major financial decision facing our readers: from purchasing their first home, to selecting a new car, to saving for retirement.

Hundreds of print publications depend on Bankrate as the trusted source for financial rates and information, including 8 of the top 10 newspapers in the country. And we're in broadcast: "The Bankrate.com Personal Finance Minute" plays over 200 times per day on XM Satellite Radio and you will see our data frequently referenced on "CNN Headline News," "ABC News" and many other major broadcast news outlets.

The Bankrate Online Network

Through our Online Network, which includes Bankrate.com, Interest.com, Nationwidecardservices.com, creditcardsearchengine.com, Insureme.com, Savingforcollege.com, Mortgage-calc.com, Feedisclosure.com, and Bankrate.com.cn (China), as well as co-branded web sites hosted by our network of 80+ online distribution partners, we provide the tools and information via a suite of products and services that can help consumers make better informed financial decisions.

INSUREME - InsureMe (www.insureme.com) is a lead generation company which operates a Web site and, with a network of hundreds of affiliates, offers consumers competitive insurance rates for auto, home, life, health and long term care. The company is a marketing resource for thousands of insurance agents and providers across the nation. The acquisition allows Bankrate to provide individualized quotes to consumers on a broad array of insurance products.

FEE DISCLOSURE - Fee Disclosure (www.feedisclosure.com) empowers consumers with comprehensive information on mortgage transaction and closing fees. The company provides information and rates for a variety of products including title, inspection escrow, hazard and appraisal fees at the local level. Fee Disclosure answers the desire of legislative and policy makers, consumer advocates and the general public for more transparency into fees associated with real estate and mortgage transactions.

NATIONWIDE CARD SERVICES - Nationwide Card Services (www.nationwidecardservices.com) markets a comprehensive line of consumer and business credit cards via the Internet, including low interest, reward, cash-back, and student credit cards through a network of over 500 active affiliates. The NCS platform provides Bankrate with a better credit card offering, allows the company to better monetize its credit card channel traffic and enhances the company's advertising relationships.

MORTGAGE CALC - Mortgage-calc (www.mortgage-calc.com) provides quick and easy access to mortgage and financing calculators to help consumers with their home buying and home financing needs. Mortgage-calc's organic Web traffic extends the reach of Bankrate's network.

MMIS/INTEREST.COM - When acquired, MMIS published mortgage guides in over 300 newspapers and operated Interest.com (www.interest.com), a Web site which publishes financial rates and information connecting consumers with lenders. Bankrate Print sells advertising and publishes consumer mortgage and deposit tables in many of the top newspapers in the country, including: The Chicago Tribune, The Chicago Sun Times, The Los Angeles Times, The Miami Herald, The Orlando Sentinel, The Indianapolis Star and The Dallas Morning News. The integration increases Bankrate's footprint to nearly 500 newspapers across the country with an aggregate weekly circulation of over 40 million copies and extends Bankrate's comprehensive rate offering to the Interest.com user.

FASTFIND/BANKRATE SELECT - FastFind (www.fastfind.com), an Internet lead aggregator based in San Francisco, California, is in the business of generating and selling consumer leads to lenders for mortgages, home-equity loans, auto financing and online education. The acquisition of FastFind allowed Bankrate to optimize and leverage its traffic within the lead aggregation business. FastFind was renamed Bankrate Select in 2007.

CREDITCARDGUIDE.COM - CreditCardGuide.com offers the consumers the ability to shop, compare and apply for credit cards online. Bankrate acquired CCG in September 2008 due to their success in developing organic traffic and high rankings in a number of important credit card search terms. CCG will add more direct, high-quality traffic to Bankrate's credit card business.

BANKAHOLIC - Bankaholic provides rate information on savings products, such as certificates of deposit, savings accounts, and money market accounts, as well as insurance quotes and a comparison of the best credit card offers, which were powered by Bankrate prior to the acquisition in September 2008. In addition, Bankaholic offers consumers advice and information that allows consumers to comment and rate banks and their promotions through social networking features. Bankaholic's high ranking in natural search for both deposit and credit card keywords made them an ideal acquisition to help grow Bankrate's business.

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Equity 2ndmortgage

No equity second mortgages generally have fixed interest rates and fixed amortization schedules. There is no need to guess at what the monthly payment will be or the year the loan will be paid off in full. First mortgages usually have the best interest rate as compared to a second mortgage. The truth is, that lenders do want people to have some equity, to be able to qualify for the loan. It could mean getting approved, but you may not have any equity after the second mortgage funds.

When refinancing a home is desired, it is best to know what a home is worth, yet many people do not have those details. Many homes have certainly lost value since 2005, and it is good to know the current value. This helps determine if there is enough equity to be able to qualify to refinance, obtain a home equity loan or line of credit.

When a person applies for a home loan, the lender will order an appraisal to determine what the home is worth. This usually costs about several hundred dollars, and many homeowners like to have a good idea of whether or not they can qualify before applying. There are a few ways people use, to try to figure out how much their home is worth without a formal appraisal.

Qualified, professional appraisals can differ even when appraising the same house, and the difference could be a few thousand dollars. There are ways to try to get a close figure for a home's value before pursuing a loan. If your figure is close to what you need to qualify, that may help in making a decision to pursue things further. There are tools available online to plug in an address and immediately get a free estimate of what a home may be worth.

Some problems are that these tools can produce varying results. Some only provide a range of possible values, rather than a specific price. Try to match up actual prices from recent sales to see which does the best job of estimating prices in your particular neighborhood. Take into account that some sales could be from foreclosures, which can sell for much less.

Another way is to contact a real estate agent, maybe one who sold you the home. They may be able to give a good estimate of what the home may be worth. Generally, they are likely to help, because they want to keep customers. However, some agents have been getting out of the business, due to the collapse of the housing market, and your agent may not be available.

Another option for an appraisal estimate is to analyze comparable sales. This may give you a reasonable estimate by comparing prices yourself. Look up the sale information on homes recently sold in your community, try to identify those sold around the same time you bought yours. Review those in which the previous sales price was in the same range as what you paid for your home, and take note of how much those prices changed. The average decline in values among them should give you an idea of your home's value.

Such methods will only give an estimate of the value, and it could be higher or lower than what a professional assessor may give. Assessors tend to be conservative in their appraisals, so keep that in mind. This could help you decide if you are a candidate for a refinance, home equity loan or line of credit.

Be sure to only borrow what you really need, and review your credit scores. Bad scores can mean higher interest rates, and good scores can mean lower interest rates and loans with good terms. The time has been great for refinancing, with the low rates, but banks are not just lending to all consumers. Those who have good credit will have the best luck for getting approved with good terms.

aug 19 article below;

Equity 2ndmortgage

People with poor credit often get frustrated when their loan applications are constantly rejected. It can be hard when financial problems hinder some personal goals, that requires financing. No matter what someone's credit history may be, there could be some hope of getting a loan with the right lender.

With less than perfect credit, one choice may be a mortgage loan modification. This may be an option if months have past without making mortgage payments, and there is no more than 20% equity in a home. The reason this may be an only option can be due to problems within financial markets. Modification loans have helped homeowners nation wide stay in their home, because the lender agrees to a reduced payment. They do this because of the homeowner's financial hardship.

There are what are considered, sub-prime second mortgages which give borrowers a second chance to reduce monthly expenses. This is done by allowing debts to be consolidated into a lower rate, 2nd mortgage. Bad credit second mortgage and refinance loans, are in high demand for people who want a cash out loan, FHA refinancing, or debt consolidation without refinancing a first mortgage.

There are banks who do different types of second mortgages, for homeowners with good or bad credit scores. These loans have helped many consumers who have low fico scores to get cash or consolidate credit card debt. Even people who may have had bankruptcy or late payments have been approved.

People who have awful credit history may think they can't get approved for a second mortgage, but many are never rejected because they applied with a lender who tries to help people with credit problems. It may prove beneficial to review sub-prime loan programs and try applying for a 2nd mortgage.

It should be considered that bad scores, and the debt to income ratio, are important for qualifying for a second mortgage. Credit scores lower than 550 may be ok, but it is best to be below 80%, combine loan to value.

Lenders typically try to provide 2nd mortgage options for all types of fixed rate refinancing. Lenders also know all about no equity second liens for all credit types. First time homebuyers have been able to qualify for loans without having any equity in their home. People who want to leave their first mortgage intact, but they want to cash out for some reason, have been successful to get approved for a second mortgage with low rates.

Millions of people already have low, fixed rate first mortgages, but the need for second loans has increased. This is good way to get money using a home. It may done to get cash to pay off a lot of debts, pay for college, a wedding, or for other reasons. Using this method to get money, can even be a tax deduction. To make sure, consult your accountant. When thousands of dollars are needed, this is one type of loan where money could be available. For people who do not have a home but need a loan, there is the option of a short term fast cash loan.

aug 26 equity 2nd mortgage below

Equity 2ndmortgage

Subordinate loans, or a second mortgage, can be difficult if the loan goes into default. It this happens, the first mortgage gets paid off, before the second one. That makes second mortgages more of a risk for lenders, and they can have a higher interest rate. Term lengths of a 2nd mortgage varies, and could last up to 30 years. Yet, the repayment may be required in a year, depending on the payback structure. These are secured mortgages, making them subordinate to another loan against the same property.

Real estate property can have multiple mortgages or liens, and the mortgage, when it is registered with the county or city registry, it is called the first mortgage. A lien registered second, is called the 2nd mortgage. Properties can have three or four mortgages even though it is rare. When a homeowner defaults on a loan, the second lien holder could purchase the primary mortgage. They could then foreclose and the homeowner would lose their home to the second mortgage lender.

Examples of what a lender may look for from 2nd mortgage applicants:

* Equity in the first mortgage.

* Small debt-to-income ratio.

* Good credit scores.

* Good employment history.

People take out second mortgages usually to finance something expensive they want, but they do not have the money. It may be for a college education, to remodel or repair a home, for a boat, an auto or any other thing the borrower chooses. The money could even be used to get out of debt. Home equity lines of credit, a HELOC, is a revolving credit line that uses a home for security. When a home already has a first mortgage, the HELOC will take second place and lacks an amortization schedule, most are recourse loans. This means the lender can pursue the borrower personally for the amount of the loan if there is a default. If the lender is not made whole after a foreclosure sale, they have the right to take further action.

sept 2 2nd mortgage below;

Equity 2ndmortgage

Consumers sometimes wonder if they should refinance the first mortgage or get a second mortgage instead. Refinancing a home to cash out some equity can be expensive, as there can be lender fees, title, escrow, appraisal charges, and other charges. These types of fees can quickly add up to thousands of dollars. If interest rates are lowered or there is a chance to get more favorable terms than the current mortgage (for example, exchanging an ARM for a fixed rate), refinancing costs may prove to be a smart move. When a current interest rate is market price or lower, avoiding the costs of refinancing may be best and considering a second mortgage loan may be a better idea.

Lenders can offer no-cost and low-cost fixed rate second mortgages and home equity lines of credit. A lender may pay for the title and escrow on a second mortgage loan and waive an appraisal fee if the combined loan to value (CLTV) is within certain limits. There may be a trade-off between loan costs and the interest rates. If the loan is a short term deal, go with lower costs. For loans around for 15 years, add the numbers to determine if the monthly savings with a lower rate is worth the higher upfront fees.

The choice can be between an equity line of credit or a fixed rate home equity loan. Home equity lines of credit (HELOCs) are revolving accounts, sort of like a credit card works. There can be a draw on what is needed and reuse it again which offers some flexibility. HELOCs carry variable interest rates based on the prime rate, and they feature interest-only payments the first ten years and then become fully amortized over the next twenty years. To stay competitive with lower interest rate second mortgages, or home equity loans, lenders may allow borrowers to fix the rate on all or a portion of their home equity line balance.

Fixed rate second mortgages loans are usually amortized over thirty years, but in the last 15 years, keeping the payment lower and stable, but leaving the borrower with a balloon payment due at the end. When long term interest rates are lower than short term rates, fixed rate second mortgages carry lower rates than HELOCs. Neither loan usually comes with a pre-payment penalty, but lenders will often charge an early closure fee if second mortgage products are paid off within three years.

Second mortgage loans are offered at a higher rate than first mortgage products, their flexibility and reduced cost to the homeowner are usually attractive for getting home equity cash. Second mortgage qualifications are basically the same as a first mortgage. Lenders will take a home mortgage application and verify credit before approving your loan. Rates and terms vary, consider checking with several lenders, using online sources can be faster and easier.

sept 9 second mortgage below;

Equity 2ndmortgage

A home equity line of credit, a HELOC, is when a lender gives a specific amount of money and the borrower can make draws on it, up to a specific amount. For example, if the amount was $25,000, there can be draws up to that amount. Some people get these lines of credit to use for many things, it could be to purchase an auto, for medical bills, or to make home improvements. There are many reasons homeowners seek these loans.

A home equity loan uses the home as collateral, and the lender designates the amount the homeowner can borrow. For example, the lender may say the owner can borrow up to $50,000 but they may only want to get $10,000. In this case, it could be best not to borrow what the lender will loan, but only borrow the amount needed and pay it back as soon as possible. It is easy to over borrow and risk having debt problems later.

The way it works is similar to a credit card and the revolving feature. A credit card has a credit limit, for example, it might be $1,000. That is the amount that is available if the cardholder needs it, it does not mean it should be spent just because it is available. It is important when considering taking out any kind of loan, that only an amount should be borrowed that can be repaid easily. Interest is not paid on the line of credit, if it is not used. Banks sometimes run ads about a prime rate and it may be an introductory rate, that could increase after a specific period of time.

Once a homeowner takes a draw, it is important to know all the details. A loan balance could be divided into monthly payments, and there could be a balloon payment. Some HELOCs may not have a repayment period and a full payment may be due at the end of the draw period. Some people do not like these loans because they are an adjustable-rate mortgage, tied to prime rates and the interest rate can change.

Home Selling and Buying

Some consumers who are trying to sell their homes are having a tough time and consumers wanting to purchase a home are not getting the financing they need. Renting to own or leasing may be a solution for both parties.

Free Tips Before Purchasing a Home

Free Tips Before Purchasing a Home. To buy or not to buy a home - that is a good question many consumers tackle at some point in life. There are a few questions you could ask yourself to help get to the correct answer for you.

Mortgage Loan Modifications and How to Start

Mortgage loan modifications: President Obama's housing plan is moving along and Chase has modified more than fifteen thousand home loans.

First Home Buying Info

If you are considering buying your very own home for the first time, take advantage of the Housing and Economic Recovery Act of 2008 which outlines a new tax credit.

Rent Your Foreclosed Home

Freddie Mac will let foreclosed homeowners rent their houses. Review your mortgage loan foreclosure options.

Home Loan Quotes: Now is a good time to submit good or bad credit home loan applications for multiple home loan lender quotes.

Before you apply for a mortgage loan, view national average home loan interest rates and use our mortgage calculator to calculate monthly payments and interest. Learn about a government guaranteed no deposit home loan with no down payment and how spouse credit can affect a joint mortgage loan. Consider all your home loan options before you decide and submit an online application. Browse more home loan resources.

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Mortgage Refinancing: 2nd mortgage loan and other types of mortgage refinancing for home remodeling, equity cash out or a debt consolidation loan and more.

Payday Loan: Easy approval bad credit unsecured loan with no credit check, no deposit and no security.

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Bad credit home loan - Apply for a home loan and stop paying rent.

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Home loan - Get a new home loan to purchase the American dream.

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Mortgage calculator - Calculate monthly payments and interest.

Mortgage loan - Get multiple mortgage loan quotes for new home purchases, equity, refinancing, 2nd mortgages and more.

Joint mortgage loan - How spouse credit affects joint mortgages, and the impact of divorce.

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Home Buyers Guide

Compare mortgage lender loan terms: First, devise a checklist for the information from each lending institution. You should include the company's name and basic information, the type of mortgage, minimum down payment required, interest rate and points, closing costs, loan processing time, and whether prepayment is allowed. Speak with companies by phone or in person. Be sure to call every lender on the list the same day, as interest rates can fluctuate daily. In addition to doing your own research, your real estate agent may have access to a database of lender and mortgage options. Though your agent may primarily be affiliated with a particular lending institution, he or she may also be able to suggest a variety of different lender options to you.

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