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Do I need private mortgage insurance?

By Trulia | Published: Oct 14, 2009 | 120 Comments

Every lender wants security—some form of collateral that can be claimed, and if necessary, liquidated—in the event that the borrower doesn't pay.

Properties tend to be secured by "equity." That's the margin between the loan balance and the value of the underlying property. Consider a $60,000 loan secured by a $100,000 home. There is plenty of equity ($40,000 of it), so the lender has plenty of security. If the monthly payments don't come in, the lender can claim the home in a foreclosure.

When the equity is not so substantial, however, the lender has a problem. Even if the home is taken in foreclosure, its value may not match the money that's owed on the mortgage. And the lender must factor in the added costs of hiring lawyers, owning the home for a while, and then maybe paying a broker's commission to resell it.

Enter the solution: Private Mortgage Insurance, or PMI. Traditionally, when a loan balance exceeds 80 percent of the home's value, the owner has been required to insure his ability to pay. If he didn't pay, the insurer would step in and pay if off for him.

PMI has long been required of homebuyers with less than 20 percent to put down. The rates are determined by a formula like this: Multiply the loan balance by .005. So an $80,000 balance would require annual PMI of $400, which is divided into monthly payments of $33.

Most homebuyers need PMI because 20 percent of the sale price on a home is a big chunk of money. But when the principle balance drops below 80 percent of the home value (perhaps after a few years of payments) lenders are required to notify homeowners and drop the PMI requirement.

With the looser lending standards of the past decade, the lending industry devised ways for borrowers to dodge the PMI requirement. A borrower lacking a 20 percent payment was allowed to take out a "second" loan to make up the difference.

Someone with only a 10 percent down payment, for example, could accept one loan for 80 percent of the purchase price and a second one for 10 percent. The "second" has a higher interest rate because the lender is at greater risk and if the home is foreclosed, his lien is in a junior position to the first lender. And voila! No more PMI. Another advantage to the buyer was that interest paid on the second loan was tax deductible—unlike PMI.

However, financing tricks like that are mostly a thing of the past. At this point, very few lenders have much cash to put into second-position loans on purchases that are already highly leveraged. Another option in the past was to pay more interest on your first-position note. Some lenders were willing to waive the PMI requirement in exchange for interest rates .75 percent to 1 percent higher. Nice terms if you can find them. But if you do, check your calendar—you may be stuck in a 10-year time warp.

Comments

By Chad Bergman,  Tue Dec 8 2009, 10:35
I wanted to share the details about the tax deduciton of mortgage insurance from the IRS.gov website:

Qualified mortgage insurance is provided by the U.S. Department of Veterans Affairs, the Federal Housing Administration, the Rural Housing Service, and private mortgage insurance (PMI) companies. Taxpayers can treat qualified mortgage insurance premiums paid or accrued during the tax year as home mortgage interest. The insurance coverage must relate to home acquisition debt, the insurance contract must have been issued after 2006, and the taxpayer must have paid the premiums before 2010 for coverage in effect during 2009. PMI is deductible on Schedule A, line 13.

In order to deduct PMI, the taxpayer must meet these qualifications:

Paid or accrued January 1, 2009 - December 31, 2009
Borrowers obtained mortgage to buy, build, or improve their home
If AGI is more than $100,000 ($50,000 if Married Filing Separately), the amount of mortgage insurance premiums that would otherwise be deductible is reduced or eliminated

**In today's environment of changing guidelines, overlays, market to market varances I would strongly recommend doing your homeword with your LENDER about the ability and chances of getting mortgage insurnace. There are any blanket yes or no answers for this since every borrower, property and lender is different. A good rule of thumb is to FHA to have a much better chance at MI, or put down at least 10% if going with traditional conventional MI coverage. 5% down coverage is very hard to obtain.

please contact me with any questions or clairification.

Chad Bergman, CML
Frost Mortgage
http://www.MyDenverHouse.com
By Cmay,  Tue Dec 29 2009, 03:11
What about the special rural housing loans with obtainable in Madras area? Low inerest, nothing down except the initial downpayment of $500 to $l,000 for escrow.
I am divorced, recently retired, and disabled, woman. I have the income to purchase due to a sales contract and funds coming in, but I have close to a $800 per month 2007 Jeep which I will be refinancing with the credit union in less than a year, the balance is $30,000 and I have paid two years on it. Traded cars due to accident and got upside down on the equity and didn't realize it. That is my major debt. By buying a home, my rent payments are reduced $500, so I will have no trouble with the mortgage. My plan is to also have a roommate within two years that will pay half the mortgage and utilities cost. Will he underwriters take that into consideration when reviewing my ability to pay. I don't want to be penalized at closing by the lender for points due to their thinking I don't have ability to pay in future, because I will, I already have several people asking to share my home and one is a very good friend of mine. how does this work.
By Cmay,  Tue Dec 29 2009, 03:17
I have paid $800 plus for rent for about five years here in Clackamas. I have been a bad girl and overdrew my bank account due to not watching my balance because I thought I had so much money, but I am training myself not to do that and hope the underwriter won't penalize m for that. Divorced women do crazy things like that after being married fo 41 years. Its like being set out to fly on your own and you learn the hard way. HOPE SOMEONE UNDERSTANDS WHAT I AM SAYING

I FELT I NEEDED TO ADD TO MY FIRST COMMENTS. MY SISTER IS A MORTAGE BANKER OR WAS ONE, BUT I FOUND RELATIVES ARE HARD TO WORK WITH, IT IS TO UNCOMFORTABLE. I JUST DON'T WANT A LOT OF STRESS OVER THIS. I AM LOOKING TO BUY A HOME FOR NO MORE THAN $80,000 . NEW NEVER BEEN LIVED IN - IN A HOUSIN TRACT IN MADRAS. HOPE I CAN MAKE THIS WORK. CMAY
By Cmay,  Tue Dec 29 2009, 03:19
okay, guess my typing must be bad tonight
By Debra Bruni,  Sun Jan 24 2010, 17:03
Special Note to all PHYSICIANS/RESIDENTS, DENTISTS, CPA'S, ATTORNEY'S: YOU ARE ALL QUALIFIED FOR 100% LOAN, NO PMI, VERY LOW RATES. Just go to http://www.doctormortgagealliance.com or info@doctormortgagealliance.com and the staff will assist you immediately.
NO PMI !! yea !!
I also feel they can assist "first time buyers" with NO MI loans even if they are not of the stated occupations listed above here, so good for everybody. I have had many clients use this service sucessfully. Good luck house hunting. DB
By Home Buyer Help,  Fri Mar 12 2010, 08:03
Great blog post on PMI, I was not aware that is possible to deduct on your taxes. I'm going to do some homework on this and put this information on my website. Thanks.
By .,  Wed Jun 9 2010, 12:54
Wells Fargo does have a bank portfolio loan that has NO PMI. The loan is called the Community Development Mortgage Program, or CDMP for short. Currently we can go up to 98% LTV, and again, there is no PMI, or upfront mortgage insurance premium, and this isn't a lender paid mortgage insurance deal. Although we do offer that too!
By Voices Member,  Mon Jun 21 2010, 20:03
This is a great blog post... especially for first time home buyers. With as many fees as buyers can expect in todays market, this one of all could and should be one of the more important ones that buyers pay attention to.

Great article!
By Atul,  Mon Sep 6 2010, 07:37
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By Elliott R. Oliva,  Tue Dec 14 2010, 05:42
With Conventional financing you can avoid PMI 3 ways.

1. Paying 20% down or more
2. Splitting the loan up into two liens
3. Ask your lender for a Lender Paid MI option

If you are not familiar with these options please contact me at your convenience for more details.

Thank you.

http://www.elliottoliva.com/FHAInsurancevsPMI
By Gina Fairchild,  Thu Jan 20 2011, 11:32
Here's another example of how PMI can help you increase your buying power. Without PMI, a $20,000 down payment would limit you to homes costing $100,000 or less. But with PMI, you could apply that same $20,000 as a 5 percent down payment on a $400,000 home. PMI gives you more options, and allows you to get more home for your money.

Gina
http://sunbrellapillows.net
By Kevin Walton,  Wed Feb 9 2011, 14:25
Like it or not, PMI is here to stay........for awhile and repeat homebuyers need to understand this. Many borrowers are still searching for a lender who does the 80/20 combo because they don't trust originators these days. Same goes for the new GFE. It's different than what they're used to. The PMI tax deduction is set to sunset in December of 2011. The IRS has been renewing it year by year so let's hope they do it again. Nice article and indeed is necessary for first timers to read
http://www.californiarealestateloanshop.com
By Robert Lee,  Wed Mar 2 2011, 08:04
Cmay I understand your frustation! Unfortunately today Lenders guidelines are extremely strict...you will most likely need to prove that you will have a roommate to help you pay mortgage and utilities. An underwriter will want to see a lease with her name on it.
Its best to buy now with record low interest rates in addition to Huge tax benefits

Best of Luck to you,
Bob
By Jeremy Schaedler,  Fri Oct 21 2011, 03:55
Schaedler Insurance is a California insurance agency specializing in quality California Contractors License Bonds at an affordable price. For professional service and the best California contractors license bond rates in California, call Schaedler Insurance at 916-370-7732 for a free insurance quote.
http://www.schaedlerinsurance.com/california-business-insurance/bond-insurance/california-contractors-bond/
By Jim Eyre,  Fri Nov 18 2011, 05:53
KeyBank Mortgage has 100% LTV mortgage financing, no PMI. The program is called the Key Community Loan, and it's a fabulous product. It is exactly the same as the Wells Fargo CDMP loan in all respects, except that KeyBank doesn't require a down payment. Borrower must contribute a minimum of $500.00 of their own funds to closing costs, with a minimum 620 credit score.
By Shawn Rosa,  Tue Dec 13 2011, 13:42
the title of this article suggests that PMI is optional. for FHA loans and certain other convetional loans with smaller downpayments, it is required
By Andy,  Sun Apr 8 2012, 07:34
i think i need a mortgage insurance for sure. will apply one for shortly? I have already started looking for a company offering the same which is best suited for me.

andrew
website - http://www.suretybonds.info
By Matie,  Tue Jul 17 2012, 06:59
Qualified mortgage insurance is provided by the U.S. Department of Veterans Affairs, the Federal Housing Administration, the Rural Housing Service, and private mortgage insurance (PMI) companies. Taxpayers can treat qualified mortgage insurance premiums paid or accrued during the tax year as home mortgage interest. The insurance coverage must relate to home acquisition debt, the insurance contract must have been issued after 2006, and the taxpayer must have paid the premiums before 2010 for coverage in effect during 2009. PMI is deductible on Schedule A, line 13.

http://www.indexpost.com/
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By Jarodgrob,  Fri Aug 24 2012, 20:08
great blog post

jarod grob
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I need help. I have an uncle who is in a wheel chair and receiving SSI. He owns his own home that my grandparents left him. The hole family has turned there back on him. LONG STORY AND VERY MESSY . All he has is me. Make a long story short , I cant afford to heat his house and mine . He is getting to a point he shouldnt be living alone. SO there for I would like to know if he can get a loan using his house as collateral to buy a house that we both can live in so I can take better care of him.How do we do this with him getting SSI
By opondomusa,  Mon Nov 5 2012, 00:26
Private Mortgage Insurance is intended to protect a lender from borrowers who may default on a loan -- while also making home ownership available to a larger portion of the population who would otherwise not qualify for a mortgage.

REF: http://www.realtypin.com/news/story/764-the-ins-and-outs-of-todays-private-mortgage-insurance
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Director
By Edwin Wallace,  Thu Aug 28 2014, 07:57
Good Day I am Mrs (Vicky) from United state of America, i stayed in Alabama, and i have a broke up business, until i found this company email who help me to gain a loan for business,, and now i want to used this short medium to congratulate the above company for the fast and safe money they loan to me without any form of collateral, i loan 500,000USD from the company to save my business and lots more, i saw their mail on the internet, everyone always give testimony for what they did, so i quickly contacted them and they all did everything for me without stress and my money was sent to my account 24hrs later, i was surprise and feel glad, now i now have a standard business control agent who help me, now i will advice those who need urgent loan to contact her at fidelityloanfirm@outlook.com he is a very God man and I know that he will help you immediately.. Below is he loan encouraging words. For loan lenders Are you financially down and need loan? Do you need loan to pay off credits and debts? Do you need finance to set up your own business? Do you need loans to carry out large projects? Do you need college loan? Do you need funding for various other processes? email contact: fidelityloanfirm@outlook.com
By Patricia Logan,  Fri Sep 5 2014, 00:14
Am so happy and thankful to God for what he has done in my life, after four year of seeking for loan online the internet scammers has succeeded in taking from the sum of $10,000.00 without given me my loan, I lost every thing i have because of scam and ever since i was scared to make contact online concerning loan. One day, as i was browsing , i saw a comment by a woman name Brenda John from Australia thanking the Kenneth Walters Loan Company for lending a loan saying that if there is any one who also need loan are to contact the company and they will surly lend any body loan so i took there email and i contacted them we had every agreement to pay back the loan and i submitted my bank account to them and they told i will receive my loan in 24hours and to my greatest shock, exactly 24hours, my bank send me an alert of confirmation that the Kenneth Walters Loan Company has transfer my loan amount of $70,000.00 dollars to my account am so happy and i want to use this medium to advice every one who is in need of loan or you have been scam in the past worry no more and contact the very right company who can lend out loan on (kennethwalter.loanfirm@hotmail.com). and please beware of internet scams most of this email of lenders you see online are all scams so contact the Kenneth Walters Loan Company because they are capable of given you your loan thanks.
By Patricia Logan,  Fri Sep 5 2014, 00:14
Am so happy and thankful to God for what he has done in my life, after four year of seeking for loan online the internet scammers has succeeded in taking from the sum of $10,000.00 without given me my loan, I lost every thing i have because of scam and ever since i was scared to make contact online concerning loan. One day, as i was browsing , i saw a comment by a woman name Brenda John from Australia thanking the Kenneth Walters Loan Company for lending a loan saying that if there is any one who also need loan are to contact the company and they will surly lend any body loan so i took there email and i contacted them we had every agreement to pay back the loan and i submitted my bank account to them and they told i will receive my loan in 24hours and to my greatest shock, exactly 24hours, my bank send me an alert of confirmation that the Kenneth Walters Loan Company has transfer my loan amount of $70,000.00 dollars to my account am so happy and i want to use this medium to advice every one who is in need of loan or you have been scam in the past worry no more and contact the very right company who can lend out loan on (kennethwalter.loanfirm@hotmail.com). and please beware of internet scams most of this email of lenders you see online are all scams so contact the Kenneth Walters Loan Company because they are capable of given you your loan thanks.
By guarantyloanfirm759,  Sun Sep 7 2014, 15:33
HERE IS MY SUCESSFULL STORY

My names are Mrs maris garcia from USA i want to use this opportunity to tell the whole world that this great legitimate,reliable and trusted lender Mr.Berry Jones,the CEO of berry Jones lender company lend me a loan of ($5,000,000,00) five million dollars when i needed a loan to pay some depth and build a restaurant after i was been scam by some various and fake company that claim to be a lender on internet,when we started i thought he is like others fake company that claim to be a lender but he ask me to lay my trust on him and do my best and live the rest for him i did every thing he required to secure a loan from his company,and he told me that my loan funds is going to be deposited in the bank that as soon as my loan is been deposited that they will email me the scan copy of the deposit slip after some hours they really did,he also told me that the bank will notify me the rest details on how my funds will be transferred into my bank account and instructed me to cooperate with the bank to transfer my loan funds into my bank account in USA, some days later i received the bank email that they have now proceeded to transfer my loan funds that my cooperation is highly needed and i said with God all thing are possible,then i cooperate with them,days later i received another email from the bank again and they said that my loan funds is completely transferred into my bank account that i should go and confirm from my bank in USA immediately my bank alerted me that ($5,000,000,00) was completely transferred into my bank account and i said to my self that i am not going to keep this alone that i will say it to the whole world that there are still legitimate lender like Mr jay,Please my good brother's and sister's my advise to you out there now is that do not die in silent the bible says ask and it shall be given unto you even when you have been deceive by those fake company too that claim to be a lender or you have been turn down in a process of trying to get a lone from the bank please i want you to contact this legitimate company do not hesitate to contact him and sheer the same testimony with me his company guarantyloanfirm759@gmail.com he will re-brand your life to a better one just like he did to me.
sincerely
maris garcia
By morristhomas134,  Sun Sep 21 2014, 07:59
Greetings to everyone reading this comment!!!

I am James Weichel Steve Bermann by name. I am out here to recommend the effort of Mr Morris Thomas,I was in need of a consolidation loan amount of 50,000 and as soon as I got in contact with Morris Thomas Private Loan Firm on Wednesday last week and on Friday last week as well I receive an alert from my bank(Steve Bermann) that the fund was transferred,I want everybody wan diet needs loan to contact Mr Morris Thomas now via email on how to get a loan because I got my loan from them and I am very happy,so contact them now.Email:morristhomas134@gmail.com
By Barry Jones,  Sun Oct 5 2014, 05:10
APPLY FOR AFFORDABLE LOAN WITH BARRY JONES COMPANY.CONTACT ADDRESS: barryjonesloanservice@hotmail.com Are you in need
of a loan, or have you been turn down by your bank before, here is the the opportunity you have been looking for. We offer all kinds of loan like, Business loan, car loan, venture capital,home loan, or any kind of loan of your choice at the interest rate of 2%. Interested persons should contact us on this EMAIL: barryjonesloanservice@hotmail.com
By ogbonispelitemple,  Mon Oct 6 2014, 00:17
Do you need Business or Personal Loan?
Do you wish to refinance your company?
Our company is based in United States and Europe. We give out loan to any individual and company at 2% interest rate yearly. with no upfront fee, we are a registered private company that gives out loans to assist people/firms who need to update their financial status all over the world, In general we offer mortgages, home loans, car loans, hotel loans, commercial loans, construction loans, start up- working capital loans, business loans and bad credit loans, e.t.c, at low interest rate of 2%. We would love to fund projects at hand and offer personal loans as well to you, your firm/partners and clients. contact us via email for more information at: { kellymarkloancompany@yandex.com } OR kellymarkloancompany@yandex.com
By ogbonispelitemple,  Tue Oct 7 2014, 00:50
Hello every one I am faith Luna by name and i live in USA please i will like to talk about the goodness of GOD in my life after so many months of trying to get a loan on the internet and was scammed the sum of $2,800 i became so desperate in getting a loan from a legit lender online then a friend told me that there is a legit loan company where he got his loan fast and easy without any stress so he introduced me to a Man called Mr.Lewis Harry who is the manager of the company, So i applied for a loan sum of ($98,000.00) with low interest rate so the loan was approved and deposited into my bank account that was how i was able to get my loan, so i was able to pay off my bills. i am advising every one who is interested in getting a loan fast and easy to kindly contact them via email: kellymarkloancompany@yandex.com as well, So thanks as you read the greatest testimony of my life story and thanks be to GOD almighty for his goodness upon my life.I am faith Luna by name
By Sam Flyn,  Wed Oct 15 2014, 17:24
I’m Mrs Janice's by name. I live in UK but currently in USA for business, i want to use this medium to alert all loan seekers to be very careful because there are spammers everywhere .Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Rev.John based in USA who lend me an unsecured loan of $185,000 under a day without any stress. If you are in need of any kind of loan just contact him now via: quickloanfirm3@yahoo.co.uk I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from HON. DR SMITH, i pray that God should give him long life his email. quickloanfirm3@yahoo.co.uk .Thanks email. quickloanfirm3@yahoo.co.uk
By Desmond Richards,  Tue Oct 28 2014, 18:47
Dear Sir/Madam
Do you need a personal or business loan without stress and quick approval? If yes, contact us today as we are currently offering loans at superb interest rate. Our loan is secured and safe,For more information and Application, Please reply to this Email: finanace.mortgage@skygroups.org
Sincerely,
FAST LOAN INC
By Zach Thalman,  Wed Oct 29 2014, 12:10
What is the difference between homeowners insurance and mortgage insurance. I am wanting to get insurance on my loans, but I am not very educated in this field. I think I am going to talk to an insurance agency before I do anything. I just want to see if there is anything else I should know before I go in. http://kosich.com/lafayette-homeowners-insurance/
By Spring,  Fri Oct 31 2014, 19:11
We give out Finance Help to interested individuals who are seeking for finance help, with good faith. Are you seriously in need of an urgent finance? then you are at the right place. We give out business finance, personal finance, contact us for your finance request to meet your demand and set out from finance problem. Email: (springinvestmentltdd@hotmail.com)
By Nicholas Brush,  Mon Nov 10 2014, 04:24
ICC Mortgage And financial Services,Is a sincere and certified private Loan company approved by the Government,we give out international and local loans to all countries in the world,Amount given out $2,500 to $100,000,000 Dollars, Euro and Pounds.We offer loans with a dependable guarantee to all of our clients. Our loan interest rates are very low and affordable with a negotiable duration.
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Apply for a loan today with your loan amount and duration, Its Easy and fast to get. 4% interest rates and monthly
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Regards,
Nicholas Brush
By callingsoninvestedlimited,  Fri Nov 14 2014, 14:44
Attention, Apply for a quick and convenient loan to pay off bills, Xmas loan, Mortgage Loan and to start a new business or re- financing your projects at a cheapest interest rate of 2%. Do contact us today via: callingsoninvestedlimited@gmail.com with loan amount needed. We are a certified, registered and legitimate lender. You can contact us today if you are interested in getting this loan, contact us for more information about the loan process, process like the loan terms and conditions and how the loan will be transferred to you. We need your urgent response if you are interested. First Information Needed From You: (1)Full Names: (2)Amount Needed as Loan: (3)Phone Number: (4)Duration: (5)Country: (6)State/Province: (7)Monthly Income: (8)Marital Status: (9)Age/Gender: (10)Loan Purpose: NOTE: All Responses should be forwarded to: callingsoninvestedlimited@GMAIL.COM for quick processing. Thank You. C.E.O/callingsoninvestedlimited Company. Name :mr callingson Url : callingson
Name : mr callingson Url : mr callingson
By callingsoninvestedlimited,  Fri Nov 14 2014, 14:45
Attention, Apply for a quick and convenient loan to pay off bills, Xmas loan, Mortgage Loan and to start a new business or re- financing your projects at a cheapest interest rate of 2%. Do contact us today via: callingsoninvestedlimited@gmail.com with loan amount needed. We are a certified, registered and legitimate lender. You can contact us today if you are interested in getting this loan, contact us for more information about the loan process, process like the loan terms and conditions and how the loan will be transferred to you. We need your urgent response if you are interested. First Information Needed From You: (1)Full Names: (2)Amount Needed as Loan: (3)Phone Number: (4)Duration: (5)Country: (6)State/Province: (7)Monthly Income: (8)Marital Status: (9)Age/Gender: (10)Loan Purpose: NOTE: All Responses should be forwarded to: callingsoninvestedlimited@GMAIL.COM for quick processing. Thank You. C.E.O/callingsoninvestedlimited Company. Name :mr callingson Url : callingson
Name : mr callingson Url : mr callingson
By callingsoninvestedlimited,  Fri Nov 14 2014, 14:45
Attention, Apply for a quick and convenient loan to pay off bills, Xmas loan, Mortgage Loan and to start a new business or re- financing your projects at a cheapest interest rate of 2%. Do contact us today via: callingsoninvestedlimited@gmail.com with loan amount needed. We are a certified, registered and legitimate lender. You can contact us today if you are interested in getting this loan, contact us for more information about the loan process, process like the loan terms and conditions and how the loan will be transferred to you. We need your urgent response if you are interested. First Information Needed From You: (1)Full Names: (2)Amount Needed as Loan: (3)Phone Number: (4)Duration: (5)Country: (6)State/Province: (7)Monthly Income: (8)Marital Status: (9)Age/Gender: (10)Loan Purpose: NOTE: All Responses should be forwarded to: callingsoninvestedlimited@GMAIL.COM for quick processing. Thank You. C.E.O/callingsoninvestedlimited Company. Name :mr callingson Url : callingson
Name : mr callingson Url : mr callingson
By callingsoninvestedlimited,  Fri Nov 14 2014, 14:45
Attention, Apply for a quick and convenient loan to pay off bills, Xmas loan, Mortgage Loan and to start a new business or re- financing your projects at a cheapest interest rate of 2%. Do contact us today via: callingsoninvestedlimited@gmail.com with loan amount needed. We are a certified, registered and legitimate lender. You can contact us today if you are interested in getting this loan, contact us for more information about the loan process, process like the loan terms and conditions and how the loan will be transferred to you. We need your urgent response if you are interested. First Information Needed From You: (1)Full Names: (2)Amount Needed as Loan: (3)Phone Number: (4)Duration: (5)Country: (6)State/Province: (7)Monthly Income: (8)Marital Status: (9)Age/Gender: (10)Loan Purpose: NOTE: All Responses should be forwarded to: callingsoninvestedlimited@GMAIL.COM for quick processing. Thank You. C.E.O/callingsoninvestedlimited Company. Name :mr callingson Url : callingson
Name : mr callingson Url : mr callingson
By jarryparkerloanfunds,  Fri Nov 14 2014, 20:38
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By jarryparkerloanfunds,  Fri Nov 14 2014, 20:39
miss Jassca monica XMAS LOAN! XMAS LOAN!! XMAS LOAN!!! Are you worried on where to get money to celebrate this XMAS worry no more, Are you in need of a loan for any purpose? Are you in a financial problem? Do you need financial solution? mortgage finance is the solution to all your financial problems, our loans are easy, cheap and fast. Contact us today for that loan you want, we can arrange any loan to suit your budget at only the interest rate of 2%. If interested, please contact us immediately. Are you in debt? Have you been denied of loan from Bank? Or do you need a loan to pay the bills? worry no more, your help's coming now, service unlimited loan is a Loan company loan that offers all kinds of loan to people, firms who are in need of loan with a low interest rate of 2% contact us by email: jarryparkerloanfunds@hotmail.com Thanks.
By sandraloris55,  Mon Nov 17 2014, 16:10
Hello friends actually i will like to really take out time to comment about a testimony that took place in my life on how God directed me to a real loan lender who have transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or any financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of about $8,000 i became so desperate in getting a loan from a legit loan lender online who will not add to my pains,then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue and to our conclusion she told me about a man called Mr Andy Jackson who is the CEO Andy Jackson LOAN COMPANY So i applied for a loan sum of ($75,000.00) with low interest rate so the loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than four(48) HOURS the loan was deposited into my bank account i thought it was a joke until i received a call from my bank that my account have been credited with $75,000.00 i became so happy that finally god have answered my prayers by directing me to a real loan lender who was able to grant my heart desires. big thanks to Mr Andy for making life reasonable for me, i am advising everybody who is interested in getting a loan to kindly contact him via email (andy.jackson130@yahoo.com) that was how i got my loan and i was able to pay off my bills.Thanks as you took out time to read about my success story and i pray god will also do his will in your life
By leahrays12345,  Tue Nov 18 2014, 10:47
Wao , i never knew it was true until i got my loans also , each time i read several testimonies of people about this loan company online i keep feeling it was a set up or probably they were all faking it but not knowing that it was abosolutely 100% real . i am also also happy and thankful that i am also a withness to it and now i am among all those testifying about this loan company online. Queeneth Stark Loan Council is the best !! I have had 100 % attention to everyone of my questions and they were handled immediately and above all also ,i just got my loan of $ 10,000.00 via my bank account here in neitherland. I would recommend this service to everyone!
here is the details that i used in contacting them : mrsqueenethstarkloanagency@admin.in.th

Mrs Zoe Amber.
Neitherland.
By albertocross,  Thu Nov 20 2014, 17:23
Do you need a loan?

Aso Finance Plc. provides long-term financing to both individauls and companies at 2.5% interest rate in the range of $ 5,000.00 - US $ 100,000.00 for private individual, while from the range of $ 100,000.00 - US $ 2,000,000.00 for companies

Interested person should contact for more info. Email: asofinanceplc@gmail.com
By cbfinancialinvestment,  Thu Nov 20 2014, 22:16
Hello, do u need a stress free urgent loan without a collateral? cbfinancialinvestment now offers a fast and reliable loan of 2%, we offer more than $50:000 to interested people, company s and organizations. interested? contact us on: cbfinancialinvested@gmail.com for your fast processing loan today. contact cbfinancialinvestment@gmail.com
By Johntomsloans1,  Mon Nov 24 2014, 06:43
Are you a business man or woman? Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) at our superb interest rate of 4%. For application and more information send replies to the following E-mail address: johntomsloans1@hotmail.com

Thanks,
Mr.John Toms
By Cruell George,  Wed Nov 26 2014, 17:13
Do you need a loan to pay your bills? Do you need personal or business loan? Need a loan for various other purposes or you need a loan to invest on factory? If yes, please contact us today for a loan. We offer the largest loan of 100 million dollars , pounds EUR 5,000.000.000. We offer loan at 2% fixed interest rate for the duration of 1-20 years. We give two months grace period before monthly payment begins. So,we want to understand that before we can able to proceed the applicant who required for a loan need to pay the loan application form, the application form, is 500EURO only okay, if you are interested, please fill out the form below and return to us as soon as possible for processing.

Full name: ……………….
Gender: ……………….
Age: …………………
Address: …………….
city: …………………..
country: ………………
Loan amount: …………..
The duration of the loan: ………….
Phone number: …………….
occupation: ……………….
monthly income: …………..
The purpose of the loan: ……………..
Have you applied for a loan before? ………….

Once we have received your application, loan, the monthly payment is calculated and sent to you, including account information, pay a monthly installment (the grace period of two (2) months of the time), and send all the processing documents (such as the approval of the contract, registration receipt, transfer, etc.). We will keep you informed and updated throughout the loan period. jerrylucasloanfirm@gmail.com
Waiting for your answer.
Best regards,
Jerry Lucas
By Ahana Enaney,  Sat Nov 29 2014, 06:35
HERE IS MY TESTIMONIES HOW I GOT MY LOAN FROM A GENUINE LOAN LENDER,

Wow, I got a loan worth 10,000euros from Taylor Walker Loan firm Ltd, I am Ahana Enaney From Dublin Ireland am very happy now, because for the past six month i have been in search of loan, and i ended up losing an amount of 980 euro I needed the loan to get a new car, and i never gave up till i saw a comment of a woman who also testify of getting a loan from this great company, i never hesitate to contact them and today i got my Loan. am so amazing and i thank Taylor Walker Loan firm for the good help rendered to me,Contact them today if you are in need of personal,Business,consolidation Loans,Here is their email : 3067516878@qq.com
By Zach Thalman,  Wed Dec 3 2014, 13:21
I know that in order to get a mortgage on anything, you must meet certain requirements. I would guess that if your insurance is too high, you wouldn't be able to get the mortgage. I would honestly talk to your insurance company to find out more information. The insurance companies would not the most about this issue.

Zach | http://www.lofgrenagency.com/why-choose-lofgren-agency/
By callingsoninvestedlimited,  Wed Dec 3 2014, 22:04
Attention, Apply for a quick and convenient loan to pay off bills, Xmas loan, Mortgage Loan and to start a new business or re- financing your projects at a cheapest interest rate of 2%. Do contact us today via: callingsoninvestedlimited@gmail.com with loan amount needed. We are a certified, registered and legitimate lender. You can contact us today if you are interested in getting this loan, contact us for more information about the loan process, process like the loan terms and conditions and how the loan will be transferred to you. We need your urgent response if you are interested. First Information Needed From You: (1)Full Names: (2)Amount Needed as Loan: (3)Phone Number: (4)Duration: (5)Country: (6)State/Province: (7)Monthly Income: (8)Marital Status: (9)Age/Gender: (10)Loan Purpose: NOTE: All Responses should be forwarded to: callingsoninvestedlimited@GMAIL.COM for quick processing. Thank You. C.E.O/callingsoninvestedlimited Company. Name :mr callingson Url : callingson
Name : mr callingson Url : mr callingson
By callingsoninvestedlimited,  Wed Dec 3 2014, 22:04
Attention, Apply for a quick and convenient loan to pay off bills, Xmas loan, Mortgage Loan and to start a new business or re- financing your projects at a cheapest interest rate of 2%. Do contact us today via: callingsoninvestedlimited@gmail.com with loan amount needed. We are a certified, registered and legitimate lender. You can contact us today if you are interested in getting this loan, contact us for more information about the loan process, process like the loan terms and conditions and how the loan will be transferred to you. We need your urgent response if you are interested. First Information Needed From You: (1)Full Names: (2)Amount Needed as Loan: (3)Phone Number: (4)Duration: (5)Country: (6)State/Province: (7)Monthly Income: (8)Marital Status: (9)Age/Gender: (10)Loan Purpose: NOTE: All Responses should be forwarded to: callingsoninvestedlimited@GMAIL.COM for quick processing. Thank You. C.E.O/callingsoninvestedlimited Company. Name :mr callingson Url : callingson
Name : mr callingson Url : mr callingson
By callingsoninvestedlimited,  Wed Dec 3 2014, 22:04
Attention, Apply for a quick and convenient loan to pay off bills, Xmas loan, Mortgage Loan and to start a new business or re- financing your projects at a cheapest interest rate of 2%. Do contact us today via: callingsoninvestedlimited@gmail.com with loan amount needed. We are a certified, registered and legitimate lender. You can contact us today if you are interested in getting this loan, contact us for more information about the loan process, process like the loan terms and conditions and how the loan will be transferred to you. We need your urgent response if you are interested. First Information Needed From You: (1)Full Names: (2)Amount Needed as Loan: (3)Phone Number: (4)Duration: (5)Country: (6)State/Province: (7)Monthly Income: (8)Marital Status: (9)Age/Gender: (10)Loan Purpose: NOTE: All Responses should be forwarded to: callingsoninvestedlimited@GMAIL.COM for quick processing. Thank You. C.E.O/callingsoninvestedlimited Company. Name :mr callingson Url : callingson
Name : mr callingson Url : mr callingson
By Crystal Clark,  Sat Dec 6 2014, 18:27
Good day Sir/Madam,

WE OFFER LOAN FOR PROJECTS,FUNDING,BG,SBLC,LC,MTN,SKR etc.

Crystal Clark Finance Corporation is an independent investment and corporate financing specialist providing varieties of financial services:
Personal financial services; project and investment loans; credit enhancements, corporate and debt instruments such as;

Bank Guarantees(BGs),
Medium Terms Notes (MTNs),
Standby Letter of Credits (SBLCs) ,
SKRs , Key Text Telex (KTT),
Debt Consolidation
Second Mortgage
Business Loans
Personal Loans
International Loans
Loan for any kinds
Family loan
Xmas Loan
E.T.C

We facilitates all kinds of loan and can finance project in developed and developing nations. Lastly, we fund small scale loan firm, intermediaries, small scale financial institutions for we have unlimited capital. For further details to go about procuring a loan contact us, Kindly respond immediately to this email: crystalclark_financialhome007@yahoo.com

Mr. Crystal Clark
General Consultant
By Jorgebeckerloans,  Wed Dec 10 2014, 22:06
Do you need 100% Finance? I can service your financial need with less pay back problem that is why we fund you for just 3%. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 3 to 20 years.Contact us at:jorgebeckerloans@gmail.com

Apply now for all kinds of loans and get money urgently!

* Appointments in the amount ranging from $1,000 to $50,000, 000.00
* The interest rate is at 3%
* Choose between 1 and 40 years of repayment.
* Choose between Monthly and annual repayment plan.
* Terms and conditions of the loans flexibility.

All these plans and more, please contact us.
1. Full Names:............................
2. Contact Address:.......................
3. Loan Amount Needed:....................
4. Duration of the Loan...................
5. Direct Telephone Number:...............
6.Loan Duration:..........................
Email:(jorgebeckerloans@gmail.com)
Best Regards,
Mr Jorge Becker
By Jorgebeckerloans,  Thu Dec 11 2014, 16:25
Do you need 100% Finance? I can service your financial need with less pay back problem that is why we fund you for just 3%. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 3 to 20 years.Contact us at:jorgebeckerloans@gmail.com

Apply now for all kinds of loans and get money urgently!

* Appointments in the amount ranging from $1,000 to $50,000, 000.00
* The interest rate is at 3%
* Choose between 1 and 40 years of repayment.
* Choose between Monthly and annual repayment plan.
* Terms and conditions of the loans flexibility.

All these plans and more, please contact us.
1. Full Names:............................
2. Contact Address:.......................
3. Loan Amount Needed:....................
4. Duration of the Loan...................
5. Direct Telephone Number:...............
6.Loan Duration:..........................
Email:(jorgebeckerloans@gmail.com)
Best Regards,
Mr Jorge Becker
By Jorgebeckerloans,  Sat Dec 13 2014, 19:55
Do you need 100% Finance? I can service your financial need with less pay back problem that is why we fund you for just 2%. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 3 to 20 years.Contact us at:jorgebeckerloans1@yahoo.com

Apply now for all kinds of loans and get money urgently!

* Appointments in the amount ranging from $1,000 to $50,000, 000.00
* The interest rate is at 2%
* Choose between 1 and 40 years of repayment.
* Choose between Monthly and annual repayment plan.
* Terms and conditions of the loans flexibility.

All these plans and more, please contact us.
1. Full Names:............................
2. Contact Address:.......................
3. Loan Amount Needed:....................
4. Duration of the Loan...................
5. Direct Telephone Number:...............
6.Loan Duration:..........................
Email:(jorgebeckerloans1@yahoo.com)
Best Regards,
Mr Jorge Becker
By Jorgebeckerloans,  Sun Dec 14 2014, 16:34
Do you need 100% Finance? I can service your financial need with less pay back problem that is why we fund you for just 2%. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 3 to 20 years.Contact us at:jorgebeckerloans@gmail.com

Apply now for all kinds of loans and get money urgently!

* Appointments in the amount ranging from $1,000 to $50,000, 000.00
* The interest rate is at 2%
* Choose between 1 and 40 years of repayment.
* Choose between Monthly and annual repayment plan.
* Terms and conditions of the loans flexibility.

All these plans and more, please contact us.
1. Full Names:............................
2. Contact Address:.......................
3. Loan Amount Needed:....................
4. Duration of the Loan...................
5. Direct Telephone Number:...............
6.Loan Duration:..........................
Email:(jorgebeckerloans@gmail.com
Best Regards,
Mr Jorge Becker
By Jorgebeckerloans,  Tue Dec 16 2014, 15:50
Do you need 100% Finance? I can service your financial need with less pay back problem that is why we fund you for just 2%. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 3 to 20 years.Contact us at:jorgebeckerloans@gmail.com

Apply now for all kinds of loans and get money urgently!

* Appointments in the amount ranging from $1,000 to $50,000, 000.00
* The interest rate is at 2%
* Choose between 1 and 40 years of repayment.
* Choose between Monthly and annual repayment plan.
* Terms and conditions of the loans flexibility.

All these plans and more, please contact us.
1. Full Names:............................
2. Contact Address:.......................
3. Loan Amount Needed:....................
4. Duration of the Loan...................
5. Direct Telephone Number:...............
6.Loan Duration:..........................
Email:(jorgebeckerloans@gmail.com
Best Regards,
Mr Jorge Becker
By Tony Welsh,  Sun Dec 21 2014, 16:13
LOAN OFFER APPLY NOW

Have you been denied loan by banks and other financial bodies? Then contact us now as we provide unsecured loans at a minimized interest rate of 3% within the shortest period, in order to meet the financial request of our numerous applicants.To apply, send down your the details below

1. Name Of Applicant in Full:……..
2. Telephone Numbers:……….
3. Address and Location:…….
4. Amount in request………..
5. Repayment Period:………..
6. Purpose Of Loan………….
7. country…………………
8. phone…………………..
9. occupation………………
10.age/sex…………………
11.Monthly Income…………..
12.Email……………..

You will be contacted within 24 hours with the loan terms and conditions as soon as the details have been received. Send the details to us via email.-----tonywelshloanfirms@gmail.com

Mr Tony Welsh

C.E.O
By petra.carson,  Fri Dec 26 2014, 22:27
Do you need a loan? or need a loan to start a business, and if so, please contact us at: jeffersoncarsonloanfirm@hotmail.com

name:
Loan Amount needed:
state:
country:
By Jackson Willis,  Thu Jan 8 2015, 20:33
I think it's important to get insurance whenever it concerns your house. You never know what might happen, and you are investing a lot into it. If you are concerned about high prices, you should talk to some insurance brokers. they might be able to get you a better price. Anything can help when you're going through something like this.
http://www.raminsurance.com/homeowners/default.aspx
By Voices Member,  Sat Jan 10 2015, 05:52
Good day,
Dear Loan Seekers, Greetings from MICHAEL LOAN HERITAGE.
We are certified Loan lender that offers loan to people who are in need of loans. We gives out loans for project, business, taxes, bills, and so many others reasons.We operate at 3% interest rate.There is more to gain by getting a loan from this company,We give out.

* Personal Loans (Secure and Unsecured)
* Business Loans (Secure and Unsecured)
* Consolidation Loan and many more.

We are certified, trustworthy,reliable, efficient, Fast and dynamic. If you are interested please contact us at
michaelloanheritage7@outlook.com
Good luck,
Customer care.
MICHAEL LOAN HERITAGE
By gregiomark,  Sat Jan 10 2015, 07:58
We are Christian / legal organization who diligently help people in needs, such as financial help. So be informed when you are going through financial difficulty or you are in any financial mess and you need funds to start your own business, or you need loan to settle your debt or pay off your bills, You need Mortgage loans, To start a nice business or Company, or you find it hard to get capital loan from local banks, contact us today by e-mail: markgregiosavings@outlook.com please don't let this chance pass you by. Please this is for serious minded and God-fearing people. Email us now :markgregiosavings@outlook.com


fill out this information

Full Name................
Country...................
Amount.....................
Phone number........
Loan Duration.........
SEX.......................
monthly income.............
Purpose Of Loan............
Occupation....................

Have you apply for a loan before?

Best Regard
manager: Mark Gregio
on behalf of the loan investment.
markgregiosavings@outlook.com

Whether you have an empty Credit Score, Bank Account or you don't posses a single cash at hand althrough your entire life/days, We can turn you into multi-million income earner with our loan project. With Gregio Mark Loans project, you can make money from an empty Credit Score, Bank Account or vacation assets. With Mr. Gregio Mark Loans, the New breath of Financial Age is here at your doorstep, you can join our members like Justin Sakofs in making an average income of $196,589.00 per month from our loan Projects.
markgregiosavings@outlook.com

So what are you waiting for? 2015 has arrived. Take control of your money and turn your financial stress into success. Once your debt-free and earning hundreds of thousands of dollars each month on the side, you’ll have no problem with that gym membership come January 1st, 2016. Now if you will really go, that’s another story…
By Edwin Walica,  Tue Jan 27 2015, 03:53
My name is Mr Edwin Wallace i live in the USA California and life is worth living right now for me and my family and all this is because of one man sent by GOD to help me and my family, i once had a life filled with sorrow because my first SON needed a kidney transplant and all our savings were going towards his medications and this normally leaves us with no money to pay our bills or even put enough food on our table and our rent was due and no funds to pay these bills and life felt so unfair to me and every night my wife will cry herself to sleep every night until one day, i was browsing through yahoo answers and i saw a striking advert of a man that gives out personal loans and that the offer is opened to all and i have heard so many things about internet scams but at this point of my life, i was very desperate and ready to take any risk and at the end of the day, i applied for this loan and from one step to another, i got my loan within 12 hours through bank transfer and you know, it was all like a dream and i called Mr Daniel Jones A Man who is the GOD sent lender i found and said, i have received my loan and he smiled stating that to GOD be the glory and i was so shocked as i have never ever seen anyone with such a GOD fearing and kind heart and today, i am the happiest man on earth because by GOD’S grace, my SON kidney transplant was successful and today he is healthy, i and my family are living very comfortable and happy and if you are in my former situation or in serious and legitimate need of a loan, you can reach this GOD sent lender via fidelityloanfirm@outlook.com
By Nicholas Brush,  Sun Feb 1 2015, 05:24
ICC Mortgage And financial Services,Is a sincere and certified private Loan company approved by the Government,we give out international and local loans to all countries in the world,Amount given out $2,500 to $100,000,000 Dollars, Euro and Pounds.We offer loans with a dependable guarantee to all of our clients. Our loan interest rates are very low and affordable with a negotiable duration.
Available now
MORTGAGE, PERSONAL, TRAVEL, STUDENT, EXPANSION OF BUSINESS AND NEW UNSECURED, SECURE, CONSOLIDATE
AND MORE
Available now..
Apply for a loan today with your loan amount and duration, Its Easy and fast to get. 4% interest rates and monthly
installment payments.
{nicholasbrush.cc@gmail.com}

Regards,
Nicholas Brush
By Chevron Jackson,  Mon Feb 2 2015, 07:04
Do you need a loan ? Contact Monticelli Mario Dante loan Company ( chevronfinancialdepartment@gmail.com ) we gives life time opportunity loan to individuals, business firms, insurance, etc. Head office United States of America. Are you in any financial difficulty or in need of loan to invest or you need a loan to pay your bills search no further as we are here to make all your financial problems a thing of the past. We offer all kinds of loan in any currency denomination with the interest rate of 2% . I want to use this great medium to let you know that we are ready to assist you with any kind of loan to solve that your financial problem. Email us : chevronfinancialdepartment@gmail.com
By Wayn Braford,  Wed Feb 4 2015, 23:15
Do you need personal loan? Does your firm,company or industry need financial assistance? Do you need finance to start your business? Do you need finance to expand your business? We give out loan to interested inviduals who are seeking loan with good faith. Are you seriously in need of an urgent loan contac us at Email: honestloan10@gmail.com
APPLICATION DETAILS
Your Full Details:
Full Name:
Loan Amount Need:
Loan Duration:
Phone Number:
Applied before?
State:
Monthly Income:
Country:
You are to send this to our Company Email Address: honestloan10@gmail.com
By Wayn Braford,  Wed Feb 4 2015, 23:15
Do you need personal loan? Does your firm,company or industry need financial assistance? Do you need finance to start your business? Do you need finance to expand your business? We give out loan to interested inviduals who are seeking loan with good faith. Are you seriously in need of an urgent loan contac us at Email: honestloan10@gmail.com
APPLICATION DETAILS
Your Full Details:
Full Name:
Loan Amount Need:
Loan Duration:
Phone Number:
Applied before?
State:
Monthly Income:
Country:
You are to send this to our Company Email Address: honestloan10@gmail.com
By Jerry Anderson Ossy,  Wed Feb 18 2015, 14:33
a reputable, legitimate & an accredited company money Lender. we loan money out to the individuals at the rate of 3%, in need of financial assistance. Do you have a bad credit or you are in need of money to pay bills? We want to use this medium to inform you that i render Reliable beneficiary assistance as we will be glad to offer you a loan. No credit check, 100% Guaranteed.(email jerryparkerloaninsuranceplc@outlook.com) the applicant will start the repayment of loan 7 months after the loan has been transferred to him/her. Failure to pay back the loan at this expected date/period, legal actions will be taken against the applicant by our attorney immediately. Applicant who is unable to meet with the repayment will be given 2 weeks more as a grace period before legal actions will be taken. Particulars: The borrower must provide either one of the following:-A Driver’s License, An International passport, Or a valid Identity Card bearing his/ her name. You are required to fill the form below before we can proceed with your loan. LOAN APPLICATION FORM: Name Of Applicant:…………… Address:……………. City:………………….. State:…………………… Country:……………….. Gender:…………………. Marital Status:……………. Age:……………………. Occupation:………………. Income Rate:………………. Tell:……………………… Office Number :……………. Mobile:………………….. Amount Requested:…………… Loan Duration:……………… Loan Purpose………………… After submitting the Loan Application, you can expect a preliminary answer less than 24 hours and funding within 72-96 hours of receiving the information we need from you contact our company email jerryparkerloaninsuranceplc@outlook.com Regards, Freddie.
By Jerry Anderson Ossy,  Wed Feb 18 2015, 14:33
a reputable, legitimate & an accredited company money Lender. we loan money out to the individuals at the rate of 3%, in need of financial assistance. Do you have a bad credit or you are in need of money to pay bills? We want to use this medium to inform you that i render Reliable beneficiary assistance as we will be glad to offer you a loan. No credit check, 100% Guaranteed.(email jerryparkerloaninsuranceplc@outlook.com) the applicant will start the repayment of loan 7 months after the loan has been transferred to him/her. Failure to pay back the loan at this expected date/period, legal actions will be taken against the applicant by our attorney immediately. Applicant who is unable to meet with the repayment will be given 2 weeks more as a grace period before legal actions will be taken. Particulars: The borrower must provide either one of the following:-A Driver’s License, An International passport, Or a valid Identity Card bearing his/ her name. You are required to fill the form below before we can proceed with your loan. LOAN APPLICATION FORM: Name Of Applicant:…………… Address:……………. City:………………….. State:…………………… Country:……………….. Gender:…………………. Marital Status:……………. Age:……………………. Occupation:………………. Income Rate:………………. Tell:……………………… Office Number :……………. Mobile:………………….. Amount Requested:…………… Loan Duration:……………… Loan Purpose………………… After submitting the Loan Application, you can expect a preliminary answer less than 24 hours and funding within 72-96 hours of receiving the information we need from you contact our company email jerryparkerloaninsuranceplc@outlook.com Regards, Freddie.
By Voices Member,  Thu Feb 19 2015, 23:15
Hello

I am Mr. Austine, a private money lender. I give out loans with an interest rate of 3% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL : austinegiftcompany@gmail.com

Attention!!!

Do you have a bad credit?
Do you need money to pay bills?
Do you need to start up a new business?
Do you have unfinished project at hand due to bad financing?
Do you need money to invest in some area of specialization which will profit you? and you don't know what to do.

We offer the following loans below,
personal loans[secure and unsecured]
business loans[secure and unsecured]
combination loans
students loans
consolidation loans and so many others.

1. Full Names:............................
2. Contact Address:.......................
3. Loan Amount Needed:....................
4. Duration of the Loan...................
5. Direct Telephone Number:.................

Email austinegiftcompany@gmail.com

Best Regards,

Mr Austine
By Raj Thomas,  Tue Feb 24 2015, 05:53
Good day ladies and gentle men am Mr. Raj Thomas a God fearing and honest loan lender who can change your life from bad to Good i want you to understand the fact that i give my loans out in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret in this loan transaction because i will make you smile through out this transaction, because you where not born to be a loser my terms and conditions are very simple what are you waiting for asap why don't you try Mr. Raj Thomas loan company and be free from debts, contact me Asap via Emai:(rajthomasloanfirm@gmail.com) for further proceeds.
By Taylor Walker,  Tue Mar 3 2015, 03:22
Do you need Business or Personal Loan?
Do you wish to refinance your company?
Our company is based in United States and Europe. We give out loan to any individual and company at 2% interest rate yearly. we are a registered private company that gives out loans to assist people/firms who need to update their financial status all over the world, In general we offer mortgages, home loans, car loans, hotel loans, commercial loans, construction loans, start up- working capital loans, business loans and bad credit loans, e.t.c, at low interest rate of 2%. We would love to fund projects at hand and offer personal loans as well to you, your firm/partners and clients. contact us via email for more information at: { 3067516878@qq.com }
http://3067516878.Wix.com/taylorwalkerloan
By Gvconsults.vinn,  Tue Mar 10 2015, 17:32
Fresh Cut BG / SBLC, MTN Specifically for Lease @ (3.0 + 0.5 + X)%. Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected We are direct to a provider for BG/SBLC specifically for lease, at leasing price of (3.0 + 0.5 + X)% of face value, Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA.

Our BG/SBLC Financing can help you get your project funded, financing by providing you with yearly renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding: For further details contact us with the below information.

Contact : Mr. Georgii Vinner
Contact Email: gvconsults.vinn@gmail.com
Skype : gvconsults.vinn
Goergii
By carloshunter,  Fri Mar 13 2015, 16:49
Hello,

Dear Loan Seekers i am Mr Carlos Hunter from United State of America (USA) i have been searching for a loan for more than 2years and all lenders i have get in touch with have rip me off more than $3,300.00, i thought there is no way i can get a loan online not on till the day a friend of mine called James Butler direct me to a legit and genuine loan lender called Mr Raj Thomas who lend me a loan of $75,000.00, am a happy man today and i promise my self that i will keep posting online about the good thing that Mr Raj Thomas has done in my life and the life of my family if you need a loan contact them today (rajthomasloanfirm@gmail.com) may the good lord bless Mr Raj Thomas and his company i pray God give them the spirit to continue with their generosity, thank you very much for taking your time to ready my story
By queenwilliam21,  Sat Mar 14 2015, 06:22
Do you need Loan to invest on business? You need a personal loan? In need of money to pay bills? If you are interested in getting a loan, contact us now: queenwilliam21@gmail.com
By Mr Sam Lucas,  Sat Mar 14 2015, 14:39
New year loan,student loan,rent loan,company loan,business loan,montgage loan,Apply now via (samlucasloaninvestmentplc11@gmail.com) only with Amount needed,loan duration,phone number and loan purpose.
By Mr Sam Lucas,  Sat Mar 14 2015, 14:39
New year loan,student loan,rent loan,company loan,business loan,montgage loan,Apply now via (samlucasloaninvestmentplc11@gmail.com) only with Amount needed,loan duration,phone number and loan purpose.
By Anthony Pasco,  Sun Mar 15 2015, 01:13
Good day my dear brothers and sisters my name is Anthony Pasco a citizen of USA (Texas) i have been seeking for a loan for more than 6 months now all lenders i have contacted promise to help me and later fail me am a happy man today cause of Mr. Raj Thomas who lender me a loan of US$55,000.00 with 2% interest rate if you need a loan you can also contact them (rajthomasloanfirm@gmail.com) their terms are very simple if not for this company only God know where i would have be today i promise them to keep posting about their generosity in my life online thank you for taking your time to read my story

Yours Sincerely

Anthony Pasco
By Jorgebeckerloans,  Mon Mar 16 2015, 15:34
Do you need 100% Finance? I can service your financial need with less pay back problem that is why we fund you for just 3%. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 3 to 20 years.Contact us at:miriamfavourloans@gmail.com

Apply now for all kinds of loans and get money urgently!

* Appointments in the amount ranging from $1,000 to $50,000, 000.00
* The interest rate is at 3%
* Choose between 1 and 40 years of repayment.
* Choose between Monthly and annual repayment plan.
* Terms and conditions of the loans flexibility.

All these plans and more, please contact us.
1. Full Names:............................
2. Contact Address:.......................
3. Loan Amount Needed:....................
4. Duration of the Loan...................
5. Direct Telephone Number:...............
6.Loan Duration:..........................
Email:(miriamfavourloans@gmail.com)
Best Regards,
Mr Miriam Favour
By harleypoul127,  Mon Mar 16 2015, 15:57
Hello Dear Sir/Madam.

I am Mr. Harley, a private money lender. I give out loans with an interest rate of 3% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL : harleypoul12@gmail.com

Attention!!!

Do you have a bad credit?
Do you need money to pay bills?
Do you need to start up a new business?
Do you have unfinished project at hand due to bad financing?
Do you need money to invest in some area of specialization which will profit you? and you don't know what to do.

We offer the following loans below,
personal loans[secure and unsecured]
business loans[secure and unsecured]
combination loans
students loans
consolidation loans and so many others.

1. Full Names:............................
2. Contact Address:.......................
3. Loan Amount Needed:....................
4. Duration of the Loan...................
5. Direct Telephone Number:.................

Email harleypoul12@gmail.com

Best Regards,

Mr Harley Poul
By harleypoul127,  Mon Mar 16 2015, 15:59
Hello Dear Sir/Madam.

I am Mr. Harley, a private money lender. I give out loans with an interest rate of 3% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL : harleypoul12@gmail.com

Attention!!!

Do you have a bad credit?
Do you need money to pay bills?
Do you need to start up a new business?
Do you have unfinished project at hand due to bad financing?
Do you need money to invest in some area of specialization which will profit you? and you don't know what to do.

We offer the following loans below,
personal loans[secure and unsecured]
business loans[secure and unsecured]
combination loans
students loans
consolidation loans and so many others.

1. Full Names:............................
2. Contact Address:.......................
3. Loan Amount Needed:....................
4. Duration of the Loan...................
5. Direct Telephone Number:.................

Email harleypoul12@gmail.com

Best Regards,

Mr Harley Poul
By carloshunter1,  Sat Mar 21 2015, 11:52
Hello,

Dear Loan Seekers i am Mr Carlos Hunter from United State of America (USA) i have been searching for a loan for more than 2years and all lenders i have get in touch with have rip me off more than $3,300.00, i thought there is no way i can get a loan online not on till the day a friend of mine called James Butler direct me to a legit and genuine loan lender called Mr Raj Thomas who lend me a loan of $75,000.00, am a happy man today and i promise my self that i will keep posting online about the good thing that Mr Raj Thomas has done in my life and the life of my family if you need a loan contact them today (rajthomasloanfirm@gmail.com) may the good lord bless Mr Raj Thomas and his company i pray God give them the spirit to continue with their generosity, thank you very much for taking your time to ready my story
By John Mike,  Fri Apr 3 2015, 06:26
if you are in need of money, loan or any financial assistance, do not struggle your self anymore, just contact me via email as oxfordservices@outlook.com
and i will offer you a genuine loan.
regards
By carloshunter1,  Fri Apr 3 2015, 14:52
Hello,

Dear Loan Seekers i am Mr Carlos Hunter from United State of America (USA) i have been searching for a loan for more than 2years and all lenders i have get in touch with have rip me off more than $3,300.00, i thought there is no way i can get a loan online not on till the day a friend of mine called James Butler direct me to a legit and genuine loan lender called Mr Raj Thomas who lend me a loan of $75,000.00, am a happy man today and i promise my self that i will keep posting online about the good thing that Mr Raj Thomas has done in my life and the life of my family if you need a loan contact them today (rajthomasloanfirm@gmail.com) may the good lord bless Mr Raj Thomas and his company i pray God give them the spirit to continue with their generosity, thank you very much for taking your time to ready my story
By harleypoul127,  Fri Apr 3 2015, 20:21
Hello Dear Sir/Madam.

I am Mr. Harley, a private money lender. I give out loans with an interest rate of 3% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL : harleypoul12@gmail.com

Attention!!!

Do you have a bad credit?
Do you need money to pay bills?
Do you need to start up a new business?
Do you have unfinished project at hand due to bad financing?
Do you need money to invest in some area of specialization which will profit you? and you don't know what to do.

We offer the following loans below,
personal loans[secure and unsecured]
business loans[secure and unsecured]
combination loans
students loans
consolidation loans and so many others.

1. Full Names:............................
2. Contact Address:.......................
3. Loan Amount Needed:....................
4. Duration of the Loan...................
5. Direct Telephone Number:.................

Email harleypoul12@gmail.com

Best Regards,

Mr Harley Poul
By harleypoul127,  Tue Apr 7 2015, 19:39
Hello Dear Sir/Madam.

I am Mr. Harley, a private money lender. I give out loans with an interest rate of 3% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL : harleypoul12@gmail.com

Attention!!!

Do you have a bad credit?
Do you need money to pay bills?
Do you need to start up a new business?
Do you have unfinished project at hand due to bad financing?
Do you need money to invest in some area of specialization which will profit you? and you don't know what to do.

We offer the following loans below,
personal loans[secure and unsecured]
business loans[secure and unsecured]
combination loans
students loans
consolidation loans and so many others.

1. Full Names:............................
2. Contact Address:.......................
3. Loan Amount Needed:....................
4. Duration of the Loan...................
5. Direct Telephone Number:.................

Email harleypoul12@gmail.com

Best Regards,

Mr Harley Poul
By leejordan1,  Fri Apr 10 2015, 10:13
I am Lee Jordan by name am from USA i have been looking for a loan for five months now all lender have fail to help me due to the fact that i have a bad credit score i came to this site and i saw a testimony which was made by some one in this site that Mr Raj Thomas offer loans to people with bad credit i decided to give it a try to my greatest surprise i was approved for a loan of $95,000.00 with a low inteterest rate of 2% am a happy man today and i promise my self that i will keep posting about this company and the genorocity they have done in my life if not for this company only God know where i would have been today have you been looking for loan and you have been turned down i would advice you to also try this company and be free from debts. below is thier Email (rajthomasloanfirm@gmail.com)
By harleypoul127,  Fri Apr 10 2015, 15:58
Hello Dear Sir/Madam.

I am Mr. Harley, a private money lender. I give out loans with an interest rate of 3% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL : harleypoul12@gmail.com

Attention!!!

Do you have a bad credit?
Do you need money to pay bills?
Do you need to start up a new business?
Do you have unfinished project at hand due to bad financing?
Do you need money to invest in some area of specialization which will profit you? and you don't know what to do.

We offer the following loans below,
personal loans[secure and unsecured]
business loans[secure and unsecured]
combination loans
students loans
consolidation loans and so many others.

1. Full Names:............................
2. Contact Address:.......................
3. Loan Amount Needed:....................
4. Duration of the Loan...................
5. Direct Telephone Number:.................

Email harleypoul12@gmail.com

Best Regards,

Mr Harley Poul
By titusbrown221,  Sat Apr 11 2015, 01:45
Are You Financially down? Grab this life time financial loan offer and give your business,
education, homes and construction a lift. Our loan ranges from a minimum of $10.000.00USD to a maximum of $100.000.000.00USD of 50
years at 3.0%. Contact us with the information below so that we can proceed..

1. Full Names:______
2. Contact Address:__________
3.Country __________
4. Loan Amount Needed:_________
5. Duration of the loan: _________
6. Direct telephone number:________
7. Purpose of the Loan:________
8.Age.__________________
9.Sex.__________________
10.Occupation.___________
11.Monthly Income._________


CONTACT US WITH THIS EMAIL: iskenderdarya@outlook.com.tr

Regards,
Mr iskender
By rajthomasloanfirm1,  Sat Apr 18 2015, 08:33
Good day Loan Seekers here comes a Solution for your financial problems, We are a fully registered and certified loan firm, that offers secured and unsecured loans to individuals and companies at a very low interest rate of 2%. We offer long and short term loans.Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.We are a group of energetic and experienced loan professionals with thorough knowledge of financial markets.In general we offer mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans, are you in need of any type of loan why don't you try Mr Raj Thomas and be free from financial problem Our interest rate is 2% per annual repaid, our loan takes a maximum of 24 working hours,to get to all approved customers across the globe.You can contact us via Email: (rajthomasloanfirm@gmail.com)
By Anthony Lucas,  Fri Apr 24 2015, 01:43
Good day Loan Seekers here comes a Solution for your financial problems, We are a fully registered and certified loan firm, that offers secured and unsecured loans to individuals and companies at a very low interest rate of 2%. We offer long and short term loans.Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their start up. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.We are a legitimate and genuine company with good experience in financial problems.In general we offer mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans, are you in need of any type of loan why don't you try Mr. Anthony Lucas and be free from financial problem Our interest rate is 2% per annual repaid, our loan takes a maximum of 24 working hours,to get to all approved customers across the globe.You can contact us via Email: (anthonylucasloanhome@inbox.lv)
By Campell Reid,  Thu Apr 30 2015, 03:37
Hello dear Applicant

Do you need a loan?
You need financially?
You are blacklisted by your bank?
Do you need a loan?

We can help with any type of loan you need.
Contact us today to philloanfirm2@yahoo.com so that we can assist you very well.

We are here to serve all day because we work 24 hours a day 6 days a week.

Contact us today for your urgent loan,

Email 1: philloanfirm2@yahoo.com

Phil Howardson
By Campell Reid,  Thu Apr 30 2015, 03:41
Hello dear Applicant

Do you need a loan?
You need financially?
You are blacklisted by your bank?
Do you need a loan?

We can help with any type of loan you need.
Contact us today to philloanfirm2@yahoo.com so that we can assist you very well.

We are here to serve all day because we work 24 hours a day 6 days a week.

Contact us today for your urgent loan,

Email 1: philloanfirm2@yahoo.com

Phil Howardson
By Harrysimth234,  Thu May 7 2015, 03:53
TESTIMONY ON HOW I GOT MY LOAN.
Complement of the day, My name is James Williams, I
am from Texas USA, I have been searching for a
genuine loan for the past 5 months now and all I got
was bunch of scams who made me to trust them and
at the end of the day, they took my money without
giving anything in return, all my hope was lost, I got
confused and frustrated,then i find it very difficult to
feed my family, I never wanted to have anything to do
with online loans again, so I went to borrow some
money from a friend, I told him all that happened
and he said he can help me, that he knows a honest
lender that can help me, that he just got a loan from
Mr Saint Louis, he directed me on how to apply, I
did as he told me, I applied, I never believed but I
tried and to my greatest surprise I got the loan of
$87,000 within 48 hours, I could not believe, I am
happy and rich again and I'm thanking God, because i
don't believe honest lenders like this still exist upon
the high rate scams all over the globe, I would
recommend this honest lender to everyone! here is
the email that i used in contacting them today on williams23418@yahoo.com
By Faith Frank,  Tue May 19 2015, 14:14
Good day,

You are welcome to the Believers Investment Achievement. This loan agency is owned by the Christian Church and is set to help the needy to poverty and suffering can be definitively eradicated from the world. We are registered and regulated by the Authority of borrowing money and all our financial transactions are overseen by the government.

We offer both personal and business loans capital base between the amounts of $ 2,000.00 to $ 500,000,000.00 US dollars, European Euro or GB pounds for individuals, businesses and cooperate bodies irrespective of their marital status, sex, religion and the location, but you have a legal means to repay the loan in the stipulated time, and must be trustworthy with interest rates as low as 3%.
Contact us via email: believerinvestment.achievement@gmail.com

If this meets your expectations, then we can move on, I'd like you to tell the exact amount you are applying for such loan and the urgency of this transaction for additional procedures that you need to fill and submit the required information below:

DETAILS OF APPLICANT:

Name of applicant:
* Address of applicant:
* City:
* State:
* Country:
* Gender:
* Marital status:
* Age:
* Rate Monthly income:
* Occupation:
* Tel: / Mobile:
* Mobile:
* Amount Requested:
* Length of Loan:
* Purpose of loan:
* Do you speak English:
* Email:
Contact us via email: believerinvestment.achievement@gmail.com

We await your response.

Yours sincerely,
Miss. Angela
Secretary
By harleypoul127,  Wed May 20 2015, 15:05
Hello Dear Sir/Madam.

I am Mr. Harley, a private money lender. I give out loans with an interest rate of 3% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL : harleyloan12@hotmail.com

Attention!!!

Do you have a bad credit?
Do you need money to pay bills?
Do you need to start up a new business?
Do you have unfinished project at hand due to bad financing?
Do you need money to invest in some area of specialization which will profit you? and you don't know what to do.

We offer the following loans below,
personal loans[secure and unsecured]
business loans[secure and unsecured]
combination loans
students loans
consolidation loans and so many others.

1. Full Names:............................
2. Contact Address:.......................
3. Loan Amount Needed:....................
4. Duration of the Loan...................
5. Direct Telephone Number:.................

Email harleyloan12@hotmail.com

Best Regards,

Mr Harley,
By Anthony Lucas,  Sun May 24 2015, 11:50
Good day Loan Seekers here comes a Solution for your financial problems, I Am Mr. Anthony Lucas a legitimate loan lender that offer loan to the less financial privilege bad credit scores accepted have you been looking for a loan for any purpose do you need a loan to start a business here comes the end of your financial problems our terms and conditions are very simple and the interest rate are considerable we give loans out with a low interest rate of 2%. You will never regret anything in this loan transaction because i will make you smile. because you were not born to be a loser i want you to understand the fact that we give out long term and short time loans what are you waiting for asap why don't you try Mr. Anthony Lucas Loan home and be free from debts Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.We are a group of energetic and experienced loan professionals with thorough knowledge of financial markets.In general we offer mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans, are you in need of any type of loan any interested client should contact me asap (anthonylucasloanhome@yahoo.com)

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