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What is a reverse loan?

By | Published: Oct 14, 2009 | 93 Comments

After paying to live in your home for years, wouldn't it be nice if the home started paying you?

Reverse mortgages enable homeowners 62 and older to convert part of their home equity into tax-free income. The lender provides income to the homeowner in one of various forms, such as a lump sum or monthly payments. The most popular form is a line of credit, allowing the borrower to draw funds as needed.

To qualify for a reverse mortgage you must live in the home and if you are part of a married couple, the younger spouse must be at least 62 years of age. You must either own the home outright or have a low enough mortgage balance that it can be paid off at closing with the proceeds from the reverse loan. In other words, the lender must feel there's enough equity in the home to justify paying you, possibly in a stream of income, for the rest of your life.

The amount you can borrow depends on your age, the current interest rate, and the appraised value of your home. Generally, the more valuable your home is and the older you are, the lower the interest and the more you can borrow.

Make no mistake, with a reverse mortgage: you are a borrower. You are charged interest only on the proceeds you receive. Most reverse mortgages charge a variable interest rate as in an ARM or Adjustable Rate Mortgage. The interest compounds over the life of the loan until repayment occurs.

But unlike a traditional home equity loan or line of credit, a reverse mortgage doesn't require you to make payments. A reverse mortgage doesn't have to be repaid until you "no longer live there." That is, if you move out voluntarily, or you die. Either way, the lender is repaid with proceeds from the sale of the home. As long as you occupy the home, you must keep current on the taxes and insurance.

You may qualify for a reverse mortgage even if you still owe money on an existing mortgage. But the reverse mortgage must take on the first lien position, so any existing indebtedness must be paid off. You can pay off the existing mortgage with a reverse mortgage, money from your savings, or with help from a family member or friend.

People who secure reverse mortgages generally do it for one reason—to generate income. So naturally, they're concerned about how the new source of cash might affect other income such as Social Security or Medicare.

Eligibility for those benefits is unaffected, according to the National Reverse Mortgage Lenders Association. What's different is Medicaid. Any reverse mortgage proceeds you receive must be used immediately, or in the same month. Funds you retain into the next month would count as an asset and could impact Medicaid eligibility.

My uncle says he wants to "die broke." He figures that's the way to make the most of his assets and his time on earth. I'm not sure I agree with that logic. After all, you can't time your exit, and if the "broke" part comes early, you have a problem. Still, I plan to tell him, if you're determined to "use up" your assets later in life, one good way to do so is to obtain a reverse mortgage.

Comments

By Jana White,  Sat Dec 12 2009, 09:17
Making the most of one's assets by implementing a reverse mortgage is a logical idea for a select group of home owners age 62 and over.

Those who: own their home outright , or have a small balance on a home mortgage, single, no children, or those with children having no desire to leave the equity from the sale of their home to them upon their death.

Choosing the monthly payment plan, as opposed to a lump sum payment, may be an excellent plan for those who desire to generate more spendable income to improve their standard of living...

However, when considering any long term loan commitment it is wise to consult your financial advisor and tax consultant to enable you to make an informed decision.
By Gene Mundt,  Sat Jan 16 2010, 03:45
Reverse Mortgages can be a source of welcome income for those seniors needing extra monies to address life's challenges. For those with health or financial challenges they can be a real blessing .. to even those with heirs in the mix. For those that wish to remain in their home with additional help or care, these mortgages can offer answers and solutions. Be mindful that these mortgages are not without expense and typically are more costly to secure than other mortgages, but for seniors wishing the best and broadest options ... or with few other monetary options or avenues for funds, they can provide a much-needed relief to mounting health costs and more. Please keep in mind that these mortgages are not for everyone. Counseling sessions are advised, and mandatory, in many cases prior to securing. I advise that a loved one, caretaker, trusted counsel or friend accompany the senior to these sessions and all appointments with lenders, as well. This provides support to the senior considering this financial move, but also provides an extra "set of ears" for which the senior to disuss options and make decisions void of any outside pressure. As stated earlier, these mortgages are not the answer in every case. But, for those in need of options and financial assistance to maintain or better their present situations and lives, they do just that.
By Javier Rodriguez,  Sun Jan 31 2010, 15:34
I have helped many with this program. This is a great program for homeowners that do not receive much retirement/social security income or those that just want be more comfortable financially. To keep it simple a reverse mortgage is for homeowners that are 62 years old and over. The benefits of a reverse mortgage include:

-No longer have to make your mortgage payment ever again as long as you live in the property

-Receive supplemental income in the form of a monthly deposit into the homeowners bank account or receive a line of credit, or the most popular a lump sum at closing. NO monthly payments are made on the money received!

-NO changes are made on the title to the property. The title stays the same in the name of the homeowners

If you have parents, a coworker, freind, or maybe yourself that is 62 years old or older and would like more information I can be reached at 305-774-1185. My company website is http://www.leonmortgage.com
By Treavor,  Fri Mar 5 2010, 01:35
Thanks for the informative post....
By Corri Klebaum,  Sun Aug 29 2010, 16:06
A recent rise in yields on these loans can help seniors lower some of the upfront costs such as the origination fee. This is causing a reverse mortgage to be affordable for cash strapped seniors.

A reverse mortgage can be a great tool when appropriate. However there is required counseling by a HUD approved counselor. The counseling must be completed prior to the loan application and will cost anywhere from $50 to $200. The counseling can be done over the phone so if you would like so save a little money call around for fees. Go to https://entp.hud.gov/idapp/html/hecm_agency_look.cfm for a list in your area or call (800) 569-4287.
By Ben S.,  Thu Sep 16 2010, 11:15
As of September 11th, 2010 HUD instituted new counseling guidelines. These guidelines are great for the consumer becuase there is now a "Benefits Check Up" and a full financial review. These documents are available directly from the counselor or from a lender and ask the important questions to be sure the reverse mortgage is right for you. There are also several free counseling sessions available. Good Luck!

-Ben Stucker, Director of Senior Lending
http://www.villageseniorlending.com
By Joshua Christensen,  Tue Sep 28 2010, 08:52
The Reverse Mortgage is a great tool for anyone over 62 as mentioned. A big Caution I throw out is simply that this is not for Everyone. Just like any financial tool, it is important to look at the suitability of the tool to make sure it aligns properly with the rest of your financial package and planning. It is important to get proper guidance and advice when taking on any type of financial tool. Remember, your mortgage professional, life insurance agent, and stock broker or financial planner are all commissioned sales people and may stand to benenfit from the sale of the product. When seeking out an advisor, be sure he/she has the proper knowledge, not just for the reverse mortgage, but also for your financial plans and how the loan can benefit your sitiuation. Best of luck.

-Joshua Christensen, Branch Mgr | Southwest Funding-Integrity
http://www.southwestfunding.com/jchristensen
By Sunnys,  Thu Nov 25 2010, 23:57
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By Alex Robert Aguirre,  Sat Nov 27 2010, 11:31
I recently had a client call and set up an appointment with us in our new Bakersfield Office to find out why the bank was sending him a bill for almost $5000.00 dollers. Once there he explained that he makes no payments and that he was on a goverment program. I was puzzled and after looking through a couple of folders he had brought i found a statement from about a lil over a year ago that showed he was on a Reverse Mortgage Program. I got one of our Certified Reverse Mortgage Counselors to explain and go over the paper work he had signed and the client fell into tears. He felt very miss lead and decieved by the agent that sold him the product. What had set him behind was that he forgot to renew his home owners insurance because he was out of state dealing with a family affair for a few months and lender placed insurance was tacked on by the bank. After a some calls over the next few days with the bank I set up a payment program for him with his bank to get back on track. After all was said and done I got to provide him with his home and car insurance policies. Any senior that has equity in there home, is on a fixed income and is interested in a Reverse Mortgage should go to HUD.GOV and seek Hud approved counselors for FREE advise in your state. GOOD LUCK!
By Frances Endencia,  Thu Dec 30 2010, 00:12
I know a family who took out a reverse mortgage. They were public aid recipients. When they took it, their benefits was reduced and, eventually, they could not pay back their loan. They lost their home to foreclosure.
By Yu F Khan,  Mon Jan 24 2011, 14:22
Basically a reverse mortgage is like living on credit or mortgage against the house that's, typically, paid off. It's seems more logical to sell the big house and buy something smaller and live off the difference. Or rent out the big house and buy a second home somewhere like Arizona or Florida. My neighbor does that where he rents out his house in Washington state and a second home in Arizona. In summer when he's back in Washington state he stays with the tenant like a roomate or out in the RV in the driveway while the tenant have the house. Not sure what arrangements they have. In a lot places (like Miami-Dade) one can get a house for as low as $35,000 and other places the market is only affected around 20%. So someone in Seattle can sell the big house for $325,000 and than buy a $35,000 house in Miami-Dade and net $290,000. Or out of the country like Panama or Ecuador where $1.00 buys a lot more than it does in the U.S. Yes both those countries use the USD$ as their legal tender currency.

I can see why someone would say "I die broke!" especially they don't have any hiers. But than like what another above asked "So what if you ran out of money before you die?"

Reverse mortgage may or may not be the answer that's why federal guidelines are requiring HUD counseling before following through.
By Yu F Khan,  Mon Jan 24 2011, 14:23
"-NO changes are made on the title to the property. The title stays the same in the name of the homeowners"

Really so how does the reverse mortgage lender secure their interest in the property? Is there at least a Deed of Trust or what?
By Dave Beckmann,  Sun Jan 30 2011, 18:50
The reverse purchase mortgage can be a great product for the Realtor and the homeowner. Here is an example to point out the value of the program. The Realtor has husband and wife clients in their early 70's. They have a small mortgage ($50K) on the property. They own a 3000 sq ft 2 story home and they are interested in downsizing. Their Realtor suggests a reverse mortgage where they can sell the large home and purchase a small ranch property with no mortgage payment. The couple sell their home for $300,000 and pay off the $50K mortgage. They then put $50K down on the new property and take out a reverse mortgage for the balance of $100K. They end up with a smaller home, money in their pocket from the sale of their large home, and no more mortgage payments for the rest of their life. The Realtor that listed the large home may have sold that home to another purchaser. Then they sold the couple the smaller home. Can you say 3 sides of the deal!! Easy to qualify for, reverse mortgages now have lower closing fees as of October 2010. And the homeowner can't outlive the mortgage. If when the homeowner dies, the property lost value, the FHA insurance will cover any loss. A reverse mortgage is a great option for Seniors and Realtors.
By stevecalis,  Fri Apr 8 2011, 00:43
Thanks! Really useful post.
By $tandard$,  Tue Apr 19 2011, 14:00
Reverse Mortgages are just as stupid as ARM Mortgages. They are a creative ways to make a deal, but not good for the BUYER. They came about because otherwise the Housing Sales tanked! The only one that wins are the devious ones that designed them!
By Bebo333,  Thu May 12 2011, 22:05
Question: I am concerned about my neighbors who have already secured and are living off their reverse mortgage.

My concern is for the wife (in this situation) who is younger than her aging husband and had to sign a Quit-Claim Deed in order for her husband (30yrs.+ marriage) to get the reverse mortgage without any thought for his wife's future who will likely live 20-30 years beyond him.

Are my concerns for the wife's interests for a secure financial future for herself as serious as I a GUESSING they are.

The wife will be 62 in 3 years. She will then be added to the reverse mortgage and receive income (so she has been told).

What if her husband dies before she reaches 62. Will she have nothing?

I guess my question is should I force her to seek a professional financial adviser NOW (she absolutely refused my suggestion before the reverse mortgage was finalized).or is it "a done deal" and there is nothing that can/cold be done given it's the reverse mortgage has been drawing on the value of the home quite heavily already?

If "she stuck" .... How bad is her situation? Will she really lose out if her husband dies before she turns 62? Or, hopefully, my concerns for my lovely neighbors are unwarranted and she need not worry.

thanks. :)
By Candace Rosenthal,  Wed Oct 26 2011, 20:30
This could be one of the worst loans out in the market. Having been a title closer for many years, I can say that unless your situation is EXTREMELY dire, DO NOT take out one of these loans. The costs are prohibitive and there is a cap on these loans. You may be in a position to have to repay, and if you are, then you can better pray you can repay it.
By Mario Vargas,  Tue Dec 13 2011, 19:07
That was great information but if any of you have any doubt on how reverse mortgage works you should contact a lender! What you need to do is to locate a local mortgage professional to help with the process and get rid of your doubts. Basic and simple information on reverse mortgage is what you are looking for? Find yourself a honest lender with a nation-wide cover! I spoke to Mike through the phone, he is from reverse mortgage lenders direct and I recommend you call him - 877-700-0534 Super-friendly and very knowledgeable guy! But if you want to check their website is http://www.reversemortgagelendersdirect.com
By Laydoberman,  Wed Jan 4 2012, 01:33
Reverse mortgages are just another way for seniors to have their homes stolen out from under them.
Your home is worth, say, $150,000 and you owe $50,000. You have $100,000 equity in the home. You may only borrow up to say 75% of the equity.(easier math) So you can only borrow $75,000 out of which $50,000 (remainder of first lien) must be paid. You will be handed $25,000 lump sum, or it will be divided into a 20 year payment. The new lien on your home is now $75,000 (principal only) which usually is paid on death or volunteered move. Interest must be paid regardless.
You ended up selling your $150,000 home for $25,000 in pocket and the bank buys it for $75,000. (first lien) That extra $25,000 equity magically disappears.
What a deal! (for the banks and loan officers)
Don't forget the closing costs, the $200 "counseling" fees, document origination fees, appraisal, survey and other related costs that MUST be paid before the loan can be finalized. So you really sold it for LESS than $25,000...
By Brian VerBurg,  Thu Apr 12 2012, 19:57
Reverse mortgages are great for seniors that want to stay in their homes but are on fixed incomes and need to unlock their equity without selling their home or adding more debt. Reverse mortgages are not a bad deal. The rates are competitive, around 5% right now, and don't forget the best part, reverse mortgages are non recourse loans meaning the borrower can never own more than the home is worth.
By Virtual Money,  Mon Apr 30 2012, 11:53
I agree with Lady Doberman in that the $25,000 disappears. However, if you want to stay in your home that is how much money; you'd have no access to anyway; will cost you and it doesn't come out of your pocket.. The only other way actually make money or break even is to move. So, if you don't want to move you lose some money, again money you have no access to, but you are still in the home and neighborhood you love and now even have some cash to support your retirement. Not bad squeezing something out of your house, if you have no plans to leave much to your heirs provided you even have them.
I am homeowner with no heirs and am considering this option because I love the house I built and my neighbors. So it cost me some virtual money.

And for those really concerned about the fairness of the bank stealing that $25,000 there is a solution to that too.

Say your mortgage is with Scank of America, (this only works if you have no heirs) rack up at least $25,000 on a S of A credit card, I'd say more, you'll need cash for the minimum payments and then die with that balance or declare bankruptcy before you die. Then they will break even when they sell you house after you die.

That may sound harsh but sometimes you gotta be a dog in a dog eat dog world. Remember they already probably made upwards of $100,000 in mortgage interest off of you for taking on the risk of lending to you. So no need to lose any sleep in your well earned retirement. Everybody wins, not just the TBTF banks paid for by u and me anyway.
By James Lacrosse,  Wed Jun 27 2012, 10:23
can your heirs still inherit the house if the want to pay off the lien?
By Mitzi Spicer Gilliam,  Sat Jul 7 2012, 16:02
heirs that inherit the prop inherit the mortage too right>so if I leave my son my 1ooooo house that I owed 50 on he inherits 150000 debt?
By Linda,  Tue Jul 17 2012, 14:48
no, he has to pay the 50,000 loan plus whatever interest and fees the loan has accrued while you were in it. He can sell the house to get whatever equity is left after paying off the mortgage and the unpaid interest,
or he can get his own financing to keep the house after paying the reverse balance.
By Matie,  Wed Jul 18 2012, 02:32
Say your mortgage is with Scank of America, (this only works if you have no heirs) rack up at least $25,000 on a S of A credit card, I'd say more, you'll need cash for the minimum payments and then die with that balance or declare bankruptcy before you die. Then they will break even when they sell you house after you die.

That may sound harsh but sometimes you gotta be a dog in a dog eat dog world. Remember they already probably made upwards of $100,000 in mortgage interest off of you for taking on the risk of lending to you. So no need to lose any sleep in your well earned retirement. Everybody wins, not just the TBTF banks paid for by u and me anyway.

Don't forget the closing costs, the $200 "counseling" fees, document origination fees, appraisal, survey and other related costs that MUST be paid before the loan can be finalized. So you really sold it for LESS than $25,000...

http://www.indexpost.com/
By Kimberly,  Sun Aug 26 2012, 12:21
I work in an insurance center for many lenders. NO WAY do I recommend reverse mortgages!!!! It is a fast way for seniors to LOSE their homes. They are required to use more expensive insurance companies-lender approved, that will place lender-placed policies on the property before the expiration of the current policy, and if the insurance center doesn't receive the declarations pages from the insurance company or carrier, the lender-placed EXPENSIVE policy begins immediately! I deal w many customers who have dementia/no family and no one to help them and they lose their homes. I deal w family members who have no idea that there is a reverse mortgage and are now trying to get previous insurance policies in so that the lender-placed policies can be cancelled in the next 2 months. The homeowner needs to have a trustee, child, trusted friend or someone that can receive copies of all documents sent to the homeowner so that someone other than the homeowner can help keep up with policy dates, renewal dates, sending in proof of taxes paid, making sure HOA master policies are sent out and received 30 days before the expiration, make sure escrow payments are sent in a timely manner. There is so much more than just getting "income". These loans cost a fortune in fees, counseling, and the homeowner receives less than half of the loan amount.
Avoid them at ALL costs.
By Zubin Smith,  Sat Oct 20 2012, 00:39
Reverse loans are good, but another bit of guidance while you are seeking for reverse loan it is always to ensure that the organization you are utilizing is reliable and reputable. In addition, read carefully and understand full terms and conditions of it or its better to contact financial adviser before applying.

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By realityfinanceinvestment,  Thu May 2 2013, 09:09
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By Richardtrulia,  Fri May 24 2013, 11:04
A reverse mortgage loan is a loan for mature property owners that uses a portion of the house's value as security. The loan generally does not have to be returned until the last sustained property owner completely goes out of the property or passes away. At that time, the property has approximately 6 months to repay the stability of the other mortgage loan or sell the property to pay off the stability.
All remaining value is got by the property. The property is not personally liable if the property offers for less than the stability of the other mortgage loan.

http://www.reversemortgagelendersdirect.com/reverse-mortgage-loan/ http://www.reversemortgagelendersdirect.com/reverse-mortgages-how-they-work/
http://www.reversemortgagelendersdirect.com/texas-reverse-mortgage/
http://www.reversemortgagelendersdirect.com/washington-reverse-mortgage/
http://www.reversemortgagelendersdirect.com/reverse-mortgage-leads/ http://www.reversemortgagelendersdirect.com/reverse-mortgage-information/

"
By Kobe,  Fri Aug 2 2013, 02:36
A home equity loan or reverse mortgage loan are said to be one of the same loan types as reverse mortgage is entirely based on the equity of home. The most significant side of reverse mortgage loan is that it is quite advantageous for the senior citizens in adding income towards their retirement and eliminating their payments regardless if any.

http://www.kwikpayday.co.uk
By Barry Shapiro,  Mon Dec 9 2013, 22:15
My Buyer closes escrow on Friday on a Reverse Mortgage PURCHASE (HECM) loan on a condo under $300K in Leisure Village Camarillo CA. Now she gets to live closer to her children and grandchildren in nearby Thousand Oaks CA. Congrats! Learn more at http://www.FindLeisureVillageHomes.com
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Offriamo i seguenti tipi di prestiti e molti altri;
* Prestiti personali (prestito non garantito)
* Business Prestiti (prestito non garantito)
* Prestito di consolidamento
* Combination Loan
* Home Improvement
* Nuovo Prestito Anno

Tutte le risposte devono essere inviate a questa email: purefunding.cash@gmail.com
By Jorgebeckerloans,  Fri Apr 3 2015, 21:14
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 Maris Anthony,  Mon Apr 6 2015, 17:08
Hello

To properly introduce myself, I am Mrs Racheal. a private
lender i give out loan at 3% interest rate. This is a financial
opportunity at your door step, apply today and get your fast loan.
There are many out there looking for financial opportunity or
assistance all over the places and still yet they are unable to get
one. But this is a financial opportunity at your door step and as such
you can't afford to miss this opportunity. This service is render to
both individuals,companies,business men and women. The loan amount
available ranges from any amount of your choice.For more information
contact us via email: amutaracheal001@gmail.com


FIRST INFORMATION NEEDED

Full Name:
Personal Phone Number:
Country:
Address:
State:
Age:
Have you applied before?:
Marital Status:
Loan amount needed as loan:
Loan Duration:
Occupation:
Monthly Income:


Contact Via email: amutaracheal001@gmail.com

I gladly await your swift response,

Warm Regards,
Mrs Racheal.
By testimony.goodwill.loan,  Tue Apr 7 2015, 15:07
Good day!!!
I am Success Lee by name, I am a citizen of U.S.A, I would 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 been scammed so I became desperate in getting a loan from a legit lender online then I saw a comment from a friend called Samantha and she was talking about this legit loan company where she got her loan fast and easy without any stress so she introduced me to a man called Mr Testimony Goodwill the C.E.O of TESTIMONY GOODWILL FINANCIAL COMPANY {testimony.goodwill.loan@gmail.com} of Funds, So I applied for a loan sum of (350, 000.00USD) with low interest rate of 2% so the loan was approved and deposited into my bank account that was how I was able to get my loan to keep my broken business running and also to pay off my bills so am advising everyone of you who is interested in getting a loan fast and easy to kindly contact them via email:( testimony.goodwill.loan@gmail.com) to get any kind of loan you need today, thanks as you read the greatest testimony of my life... Contact him today his email address is: testimony.goodwill.loan@gmail.com as he is FAST, EFFICIENT, DYNAMIC AND MOST IMPORTANTLY HE IS RELAIBLE...
By testimony.goodwill.loan,  Tue Apr 7 2015, 15:07
$READ MY STORY ON HOW I BECAME DEBT FREE WITH TIPS OF DETECTING A LOAN SCAM ON-LINE !!$$$$$

Attention To The World,

If you need a genuine and reliable loan help,and don’t want to be a scam victim,I think this is for you.This is a testimony on how,I was ripped off by some idiot that calls themselves lenders,and how I finally got my financial freedom through a God sent helper that finally gave my life a meaning,with the least cheapest rates as to 2% interest and little TOKEN other requirements and they don’t give a damn to your credit score…For more info on how to reach this great man just email him now and tell him that Oscar Max testify about him on the internet his email address is:testimony.goodwill.loan@gmail.com
By testimony.goodwill.loan,  Tue Apr 7 2015, 15:08
Hello Sir / Ma,


Are you seeking for legitimate,fast and reliable loan? Free collateral loans / non-collateral loans, we offer loan services of different types ranging from full loans to subordinate loans best designed for you. The loans are given at a very low interest rate. We offer mortgage, company, business, personal, housing, land acquisition and many more. No social security number is required and no credit check required 100% guarantee to the nation / world. Our dignity is to respect while providing the highest quality services, We will not also forget to bring to your notice that we grant loans to sincere and serious minded customers that need to be uplifted financially with the help of loan / loans. Contact us now via our mailing address. And please i want to beg all those that are out there that are just trying to apply for loan OR loans and take it for a joke not to do that here as this is a loan firm that was founded in TRUTH and in full SINCERITY to support everybody in the world with financial help. TAKE NOTE: ANY RULES AND REGULATIONS THAT HAS BEEN LAID DOWN HERE CANNOT BE BEND TO SATISFY ANY CUSTOMER WANTS, AS EVERY CUSTOMER IS EXPECTED TO MEET WITH THE RULES / TERMS IN TRYING TO ACQUIRE A LOAN HERE. IF ANYONE COULD NOT MEET WITH IT HERE, HIS OR HER LOAN APPLICATION WILL BE CANCELLED.

Name Of Loan Firm: Testimony Goodwill Loan Investment,

Name of the CEO: Testimony Goodwill,

Email: testimony.goodwill.loan@gmail.com ,

In receipt of your contact and seriousness to getting a loan here, You will surely get a call from me the Chief Executive Officer of this loan firm.
By testimony.goodwill.loan,  Tue Apr 7 2015, 15:08
Dear Valued Customers,
Do you need a loan or funding for any of the following reasons? XMAS loan, Personal Loan, Business Start-up or Expansion, Education, Debt Consolidation, Hard Money
Loans, etc. We offer loans at low interest rate of 3%. However, our method, offers you the chance to state the amount of loan needed and also the duration you can
afford. This gives you a real chance to get the funds you need!. Do contact us today via our official Email: testimony.goodwill.loan@gmail.com providing us with the

following info;

Name:
Contact Address/country:
Mobile Telephone Number:
Occupation:
Loan Amount:
Loan Duration:
Best Regards.

Swift Valued Finance Team
By testimony.goodwill.loan,  Tue Apr 7 2015, 15:08
Good Day !!

I am Mr Testimony Goodwill, a Reputable, Legitimate & an accredited money Lender. I want to use this medium to inform you that I render reliable beneficiary assistance
as I'll be glad to offer you a loan at 2% interest rate to reliable individuals.

Services Rendered include:

*Home Improvement
*Inventor Loans
*Car Loans
*Debt Consolidation Loan
*Line of Credit
*Second Loan
*Business Loans
*Personal Loans
*International Loans.

Please write back if interested.Upon Response, you'll be mailed a Loan application form to fill. (No social security and no credit check, 100% Guaranteed!) I Look forward permitting me to be of service to you. You can contact me via e-mail: testimony.goodwill.loan@gmail.com

Yours in Services,
Mr Testimony Goodwill,
Testimony Goodwill loans company},
(Loan Manager Operations)
Email: testimony.goodwill.loan@gmail.com
By testimony.goodwill.loan,  Tue Apr 7 2015, 15:09
Hello

Apply for a quick and convenient loan to pay off bills and to start a new financing your projects at a cheapest interest rate of 3%. Do contact us today via: testimony.goodwill.loan@gmail.com with loan amount needed as our minimum loan offer is 1,000.00 to any choice of loan amount . I am certified ,registered and legit
lender . You can contact me today if you are interested in getting this loan, contact me for more information about the loan process, process like the loan terms and
conditions and how the loan will be transferred to you. I need your urgent response if you are interested.

LOAN APPLICATION FORM

(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)Have you applied before:
(10)Loan Purpose:

NOTE:All Responses should be forwarded to: testimony.goodwill.loan@gmail.com for quick processing.
Thank You,

Testimony Goodwill
By testimony.goodwill.loan,  Tue Apr 7 2015, 15:09
Good day.

I can’t hide this great testimony that took place in my life i will love everyone to know it and be partaker that is why i want to share it to the whole world by placing this advert on classifieds, I am Mrs Kate Loore by name, I live in Chattanooga, Tennessee United State, I want to thank Testimony Goodwill for his kindness upon my family life, I never knew that there is still a sincere and trustworthy lender like this on the internet and on earth. Just some days i was in search for a loan of $ 100,000.00 Dollars, As I was running out of money for feeding, School fees, My business was really going out of capital and my rent. I was scammed about $15,000 Dollars and I decided not to involve my self in such business again. But a Friend of mine introduced me to a loan firm due to my appearance and doings and also my complains to her. And I told her that I am not interested in any loan deal anymore but she told me that there is still a sincere lender who she will recommend me to, And she gave me the details of this man who is called TESTIMONY GOODWIL. And i really put a trial and i am most grateful and lucky today, I was given a loan amount of $95,000,00 Dollars by this great firm CALLED MR TESTIMONY GOODWILL. If you are in need of a genuine, Sincere, durable and a truth worthy loan lender or financial assistance and also you know you can be reliable and trusted, capable of paying back at the due / duration time of the funds I will advice you to send your contact to them via email on : testimony.goodwill.loan@gmail.com . And you will be free from scams on the internet. My lovely wife extend her greetings to you also if not for you I can't imagine the way life should be for my family today. Please I am begging everyone on earth to help me thank Mr Testimony Goodwill. And I will always being sharing this great surprise and testimony that happened in my life everyday to all that need loans. Again there contact email is as follows: testimony.goodwill.loan@gmail.com .. CONTACT THEM NOW VIA EMAIL FOR LOAN:testimony.goodwill.loan@gmail.com AS THEY ARE EFFICIENT,DYNAMIC AND RELIABLE....
By testimony.goodwill.loan,  Tue Apr 7 2015, 15:09
MY TESTIMONY FROM A LEGITIMATE MONEY LENDER

Have you been looking for a loan?Do you need an urgent personal or business loan? Contact Testimony Goodwill Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300,000.00.. Feel free to contact the company for a genuine financial service. Email: testimony.goodwill.loan@gmail.com .He is a trust worthy man. CONTACT HIM TODAY:testimony.goodwill.loan@gmail.com AS HE IS DYNAMIC,TRUSTWORTHY AND 100% RELIABLE......
By testimony.goodwill.loan,  Tue Apr 7 2015, 15:09
* Are you financially Squeezed? * Do you seek funds to pay off credits and debts? * Are you blacklisted? * Do you seek finance to set up your own business? * Are you in need of private or business loans for various purposes? * Do you seek loans to carry out large projects * Do you seek funding for various other processes? If you have any of the above problems, I can be of assistance to you but I want you to understand that I give out my loans at an interest rate of 2%. * Borrow anything up to 10,000,000,000 * Choose between 1 to 30 years to repay. * Choose between Monthly and Annual repayments Plan. * Flexible Loan Terms. Interested Persons should contact me for application. Contact Email: {testimony.goodwill.loan@gmail.com}
By testimony.goodwill.loan,  Tue Apr 7 2015, 15:09
$READ MY STORY ON HOW I BECAME DEBT FREE WITH TIPS OF DETECTING A LOAN SCAM ON-LINE !!$$$$$

Attention To The World,

If you need a genuine and reliable loan help,and don’t want to be a scam victim,I think this is for you.This is a testimony on how,I was ripped off by some idiot that calls themselves lenders,and how I finally got my financial freedom through a God sent helper that finally gave my life a meaning,with the least cheapest rates as to 2% interest and little TOKEN other requirements and they don’t give a damn to your credit score…For more info on how to reach this great man just email him now and tell him that Oscar Max testify about him on the internet his email address is:testimony.goodwill.loan@gmail.com
By testimony.goodwill.loan,  Tue Apr 7 2015, 15:09
Good day!!!
I am Success Lee by name, I am a citizen of U.S.A, I would 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 been scammed so I became desperate in getting a loan from a legit lender online then I saw a comment from a friend called Samantha and she was talking about this legit loan company where she got her loan fast and easy without any stress so she introduced me to a man called Mr Testimony Goodwill the C.E.O of TESTIMONY GOODWILL FINANCIAL COMPANY {testimony.goodwill.loan@gmail.com} of Funds, So I applied for a loan sum of (350, 000.00USD) with low interest rate of 2% so the loan was approved and deposited into my bank account that was how I was able to get my loan to keep my broken business running and also to pay off my bills so am advising everyone of you who is interested in getting a loan fast and easy to kindly contact them via email:( testimony.goodwill.loan@gmail.com) to get any kind of loan you need today, thanks as you read the greatest testimony of my life... Contact him today his email address is: testimony.goodwill.loan@gmail.com as he is FAST, EFFICIENT, DYNAMIC AND MOST IMPORTANTLY HE IS RELAIBLE...
By testimony.goodwill.loan,  Tue Apr 7 2015, 15:09
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 absolutely 100% real . i am also also happy and thankful that i am also a witness to it and now i am among all those testifying about this loan company online. Testimony Goodwill Compnay 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 Russia. I would recommend this service to everyone!here is the details that i used in contacting them : testimony.goodwill.loan@gmail.com
By Maris Anthony,  Thu Apr 16 2015, 19:31
Hello,

I am Mr detlev jonas a private loan lender from Germany, i offer loan at 3% interest rate, this is a legitimate company with honor and difference we are ready to help you out in any financial problem that you are, we offer all types of loan so if you are interested in applying for a loan, kindly contact us now on our email:detlevjonasfunds@outlook.com

Also provide the following details so that we can proceed with the loan immediately.

LOAN APPLICTION FORM

Full Name:
Amount Needed:
Duration:
Country:
Age:
Sex:
Purpose Of Loan:
Monthly Income:
Phone Number:
Have You Applied Before:
Place Of Work:

Contact us with the above details on our email: detlevjonasfunds@outlook.com
Regards to you all.
By jubrin.finance,  Fri Apr 17 2015, 11:40
Hello,
Are you need of urgent financial assistance for a personal purpose or for your business needs? Here is some good news for you. We offer loans to individuals or corporate firms at the lowest annual percentage rate.
Contact us today to get:-
*Hard Money Loans
*Business Loan
*Debt Consolidation Loan
*Personal Loan
*Business Expansion Loan
*Student Loan
*Agricultural Development Loan
...And Lots more
Email: jubrin.finance@gmail.com
By Susan Jimmy,  Tue Apr 28 2015, 16:05
Get financially redeemed with our funding program, It is with great and expectant pleasure that I bring this very important announcement to your door steps. A financial body is here and We are giving out Loans to persons seeking our financial service. We offer both loans and project funding at a very minimal interest rate of 3%. We are willing and will be pleased to do business with you so please contact the loan officer of the firm via Email; Fenandezsmith@hotmail.com .
And if you are ready to get the loan without and delay, kindly fill the form below.

Full Name:.....
Country:.....
State/Province:.....
Occupation:.....
Amount of Loan Needed:.....
Loan Duration:.....
Age/Gender:.....
Monthly Income:.....
Purpose of Loan:.....
Marital Status:.....
House/Office Address:.....
Phone Number:.....

Fill the form correctly and all response must be forwarded to Fenandezsmith@hotmail.com , for fast processing.

Thank you.
By teressalouis074,  Wed Apr 29 2015, 04:01
My name is Loveth Andrew currently living in california USA Am writing this letter because am really grateful for what Mrs Lauren Harton did for me and my family when I thought there was no hope she came and make a way for me and my family by lending us loan at a very low interest rate of 2.5%. I never thought that there are still God sent and genuine loan lenders on the web but to my greatest surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would like to recommend you to Lauren Harton the Managing director of Lauren Harton Loan Company because she is a God sent woman that can change your life forever, So if you really want to make a better life without any funds scarcity I would advise you to get in touch with her through this e-mail below...laurenhartonloanoffer007@gmail.com

This was how i got my loan from Mrs lauren Harton loan company,Thank you all..
By sidneybab3,  Wed Apr 29 2015, 19:10
Hello readers, i want you to give me some seconds on my articles can someone still have a secure on-line loan credit from a legit loan lender? this was the question i asked my self when i was down on cash and i could not help it.I am Sidney from California in the United states of America i was surfing the web until when i came across an article like this concerning a loan lender in USA here he help me secure a loan in not less than 48 hours.Mr Kenneth stood by me and makes sure i get a loan from his firm i was scared at first but i gave it a try and i simple worked out for me and now i wish the same for all.Kenneth loan firm is the messiah sent to me cause i was looking down on nothing to sustain me for the while and he agreed to insure a credit for me once and it worked for me, keeping this beautiful story to myself is of no gain so i decide to bring to all this premium time available offer, feel free to contact him kennethbeareloanfirm3@outlook.com...this is the only man i can applaud for his work and service is incomparable from the experience i had with him, thanks all and i hope you all have better story to tell after

Sidney
By centraltrust_consultant.uk.za,  Thu Apr 30 2015, 06:43
Good day Sir/Madam,

This is Central Trust Micro Financial Service International. . We are a reputable, legitimate & Registered Company. Approved by the United kingdom (UK) and South Africa Government to assist people with loan financial assistance local and international at this particular new month of January 2015,we are also part of the finance company and money rendering firm. We help in encouraging and act as facilitator to reduce your financial stresses at a very encouraging rate. We give out Loans to individuals and cor-operate body in need of financial assistance at ones convenience with a reasonable interest of 4.9% Do you have a bad credit or you are in need of money to pay bills? if you are desperately in need of our assistance then you will have to read carefully the company loan application form that is attached to this message then fill and get back to us if you are satisfy with it so we can proceed on your transaction. We await for your quick response.

Services Rendered include:

Refinance
Home Improvement
Inventor Loans
Auto Loans
Debt Consolidation
Line of Credit
Second Mortgage
Business Loans
Personal Loans
International Loans
Best secured loan
Cash Loan
Low cost Loan
Internet Loan
Cheap Loan Rate
Lifestyle Loan
Joint Loan
Equity Loan
Small Loan
Direct
Finance Loan Money
Home Owner Loan
Bank Loan

Whatever your financial requirement are, A Loan from Central Trust Micro Financial Service will always help. No social security and no credit check, 100% Guaranteed. We Look forward permitting us to be of service to you. Sincerely, We await your Quick Respond. Central Trust is a trading style of Central Trust Micro Financial Limited. Central Trust Limited: Cassiobury House, 11-19 Station Road, Watford, Hertfordshire, WD17 1AP. Registered Office: St Crispin's House, Duke Street, Norwich, Norfolk, NR3 1PD. Registered in England: 07020381, VAT number 765353512 Authorized and Regulated by the Financial Conduct Authority under number 631303, You should kindly contact us via our Email address Centraltrust.uk.za@inbox.lv or Centraltrust_consultant.uk.za@outlook.com, We await your respond to help you solve your financial problems....
By centraltrust_consultant.uk.za,  Thu Apr 30 2015, 06:44
Good day Sir/Madam,

This is Central Trust Micro Financial Service International. . We are a reputable, legitimate & Registered Company. Approved by the United kingdom (UK) and South Africa Government to assist people with loan financial assistance local and international at this particular new month of January 2015,we are also part of the finance company and money rendering firm. We help in encouraging and act as facilitator to reduce your financial stresses at a very encouraging rate. We give out Loans to individuals and cor-operate body in need of financial assistance at ones convenience with a reasonable interest of 4.9% Do you have a bad credit or you are in need of money to pay bills? if you are desperately in need of our assistance then you will have to read carefully the company loan application form that is attached to this message then fill and get back to us if you are satisfy with it so we can proceed on your transaction. We await for your quick response.

Services Rendered include:

Refinance
Home Improvement
Inventor Loans
Auto Loans
Debt Consolidation
Line of Credit
Second Mortgage
Business Loans
Personal Loans
International Loans
Best secured loan
Cash Loan
Low cost Loan
Internet Loan
Cheap Loan Rate
Lifestyle Loan
Joint Loan
Equity Loan
Small Loan
Direct
Finance Loan Money
Home Owner Loan
Bank Loan

Whatever your financial requirement are, A Loan from Central Trust Micro Financial Service will always help. No social security and no credit check, 100% Guaranteed. We Look forward permitting us to be of service to you. Sincerely, We await your Quick Respond. Central Trust is a trading style of Central Trust Micro Financial Limited. Central Trust Limited: Cassiobury House, 11-19 Station Road, Watford, Hertfordshire, WD17 1AP. Registered Office: St Crispin's House, Duke Street, Norwich, Norfolk, NR3 1PD. Registered in England: 07020381, VAT number 765353512 Authorized and Regulated by the Financial Conduct Authority under number 631303, You should kindly contact us via our Email address Centraltrust.uk.za@inbox.lv or Centraltrust_consultant.uk.za@outlook.com, We await your respond to help you solve your financial problems....
By centraltrust_consultant.uk.za,  Thu Apr 30 2015, 06:44
Good day Sir/Madam,

This is Central Trust Micro Financial Service International. . We are a reputable, legitimate & Registered Company. Approved by the United kingdom (UK) and South Africa Government to assist people with loan financial assistance local and international at this particular new month of January 2015,we are also part of the finance company and money rendering firm. We help in encouraging and act as facilitator to reduce your financial stresses at a very encouraging rate. We give out Loans to individuals and cor-operate body in need of financial assistance at ones convenience with a reasonable interest of 4.9% Do you have a bad credit or you are in need of money to pay bills? if you are desperately in need of our assistance then you will have to read carefully the company loan application form that is attached to this message then fill and get back to us if you are satisfy with it so we can proceed on your transaction. We await for your quick response.

Services Rendered include:

Refinance
Home Improvement
Inventor Loans
Auto Loans
Debt Consolidation
Line of Credit
Second Mortgage
Business Loans
Personal Loans
International Loans
Best secured loan
Cash Loan
Low cost Loan
Internet Loan
Cheap Loan Rate
Lifestyle Loan
Joint Loan
Equity Loan
Small Loan
Direct
Finance Loan Money
Home Owner Loan
Bank Loan

Whatever your financial requirement are, A Loan from Central Trust Micro Financial Service will always help. No social security and no credit check, 100% Guaranteed. We Look forward permitting us to be of service to you. Sincerely, We await your Quick Respond. Central Trust is a trading style of Central Trust Micro Financial Limited. Central Trust Limited: Cassiobury House, 11-19 Station Road, Watford, Hertfordshire, WD17 1AP. Registered Office: St Crispin's House, Duke Street, Norwich, Norfolk, NR3 1PD. Registered in England: 07020381, VAT number 765353512 Authorized and Regulated by the Financial Conduct Authority under number 631303, You should kindly contact us via our Email address Centraltrust.uk.za@inbox.lv or Centraltrust_consultant.uk.za@outlook.com, We await your respond to help you solve your financial problems....
By harleypoul127,  Thu Apr 30 2015, 17:29
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,  Thu Apr 30 2015, 17:30
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 kceeloans,  Sat May 2 2015, 08:56
Do you need an urgent loan?I was in a need of a loan for many years now and i was not able to fine one legit one i have been always scammed by those internet gangstar pretending to be a loan lender so i give up then a friend of mine wo has gotten her loan then now introduce me to this God fearing company Kcee Loans Company so applied with them and and do the needed things,and am glad today to announce to you all now that i have goten my loan of 100,000.00 US DOLLARS from that company so for you to get yours too kindly contact this company on their email address on :KCEELOANS@OUTLOOK.COM
By agentsam22,  Sat May 2 2015, 14:29
If you are in need of money right now, you have found the perfect place for help. After getting a loan from one of our lenders, you will no longer need to worry about your money woes any longer. You can complete our online application in minutes, and your information will always be secure. What this means for you is that you will not need to waste time faxing or coming to a brick and mortar location to complete tons of documents. Plus, we can also give you a response in just seconds after completing and sending us your application. No more waiting weeks or days, like other companies.

Each month, we are able to help thousands of different people take care of their financial troubles. We don’t if you are blacklisted or not, that’s up to you! We just need accurate information filled out on the application. Instead of thinking “I need money now”, take control over your finances by getting the loan you need to be heading down the right track. Your credit won’t hinder you when applying with us, because we understand that people get stuck sometimes in life. When you need cash now, we are ready and willing to help.

We Provide Help:

Our business goal is to help people facing a financial crisis get out from under the weight of the stress. Our lenders can help with loans from just $10,000.00 dollars to $150,000.00dollars That high of loan is not going to be available for everyone, but if you are able to meet each of the requirements, we will help get you the money you are looking for. We don’t mind if your credit rating is excellent, poor, or somewhere in the middle—we are here to help. The lenders that we would match you up with have more requirements than just a credit score. They consider all aspects of your application. What most lenders look at most is how long you've been working at your current job, how long you have been living at your current home, and if you have a valid checking account for them to deposit your loan into. Bad credit shouldn't stop you from applying, because our lenders understand you are here because you need money today.

Registration:

Your loan transaction must be register with our company authority board of trusty management, In order for your loan transaction to be instantly approved for process and transaction. And the registration is compulsory in order for your transaction to be full secured and transferred into your country and your personal account without any problem or delay.

Fast Money Loans:

Our quick cash loans are available to those that need money fast. We have short-term style loans, all the way up through installment loans, and many in the middle. We can help take away the stress and helpless feelings that often accompany not being able to pay your bills. Overdraft fees, and mounting late fees, can quickly overtake your finances and ruin your ability to make ends meet. That’s what short-term style loans are for. Most of the time, you’ll get your response from your application in seconds or minutes, and then can get the money you need put into your account the following business day.

100% Online Application:

Our application can be done totally online, and it is super simple. We continuously strive to improve both our application and our website. Our security is top notch, allowing all of your personal information to remain safe. However, if your preference is to fill out the application over the telephone, our representatives will assist you with this any day or time you want to apply. We know you need money now, and we are ready and waiting to help. Just contact us via our various email address at andersonloanservices@outlook.com, We are always online to help you solve your financial situations.
By Johnson Magma,  Sun May 3 2015, 01:54
Compliments of the day,

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 3%. For application and more information send replies to the following E-mail address:
Finance001loan_Companies@hotmail.com,

Thanks,

Mr. Johnson Magma ...
By dorenezeller17,  Tue May 5 2015, 05:50
MY TESTIMONY FROM A LEGITIMATE MONEY LENDER
My name is Dorene Zeller, I am from United State. Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dennis Hopkins Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service. Email: dennishopkins_financehome@live.com or dennishopkins69@yahoo.com or http://www.dennishopkinsfinance.de.vu or http://www.dennishopkinsfinance.com Tel: USA +12404374240 Tel:USA +12092314524 Tel:UK +447509546091.He is a trust worthy man.
By louishector942,  Tue May 5 2015, 15:55
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………………….A copy of your ID anyone of this driving license/national identity card................: 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 mikebrownloanoffer,  Wed May 6 2015, 12:46
Good Day !!

I am Mike Brown, Working with ECO BANK PLC a Reputable, Legitimate & an accredited money
Lending company. I want to use this medium to inform you that we render reliable beneficiary
assistance as we'll be glad to offer loan at 2% interest rate to reliable individuals.

mikebrownloanoffer@gmail.com

Services Rendered include:

*Home Improvement
*Inventor Loans
*Car Loans
*Debt Consolidation Loan
*Line of Credit
*Second Loan
*Business Loans
*Personal Loans
*International Loans.

Please write back if interested.
Upon Response, you'll be mailed a Loan application form to fill. (No social
security and no credit check, 100% Guaranteed!) I Look forward permitting me to
be of service to you. You can contact me via e-mail: mikebrownloanoffer@gmail.com
Yours Sincerely,

Mike Brown(MD)
By Chevronfunds01,  Fri May 8 2015, 07:41
Welcome to 24Hour Loan Service

Have you tried to obtain loans from banks without success? Urgently need money to get out of debt? Need money for expansion or establishment of your own business? Get a loan from one of the UK's leading loan companies. 24Hour Loan Service is one of the largest secured loans companies in the UK and our friendly and experienced staff are able to process your application fast and efficiently. You may borrow over any term from 1 to 25 years and borrow any amount from £2,000 to £50,000,000.00 for any purpose. With a low interest rate of 3% on all parts of the world. The application is available for applicants who are 18 years and above.

For more information, please contact via email: chevronfunds01@gmail.com
Regards
WILLIAM GEORGE.
By sidneybab3,  Fri May 8 2015, 16:25
HELLO AND WELCOME TO KENNETH BEARE LOAN FIRM

If you are in need of money right now, you have found the perfect place for help. After getting a loan from one of our lenders, you will no longer need to worry about your money woes any longer. You can complete our online application in minutes, and your information will always be secure. What this means for you is that you will not need to waste time faxing or coming to a brick and mortar location to complete tons of documents. Plus, we can also give you a response in just seconds after completing and sending us your application. No more waiting weeks or days, like other companies.

Each month, we are able to help thousands of different people take care of their financial troubles. We don’t if you are blacklisted or not, that’s up to you! We just need accurate information filled out on the application. Instead of thinking “I need money now”, take control over your finances by getting the loan you need to be heading down the right track. Your credit won’t hinder you when applying with us, because we understand that people get stuck sometimes in life. When you need cash now, we are ready and willing to help.

We Provide Help:

Our business goal is to help people facing a financial crisis get out from under the weight of the stress. Our lenders can help with loans from just $10,000.00 dollars to $150,000.00 dollars That high of loan is not going to be available for everyone, but if you are able to meet each of the requirements, we will help get you the money you are looking for. We don’t mind if your credit rating is excellent, poor, or somewhere in the middle—we are here to help. The lenders that we would match you up with have more requirements than just a credit score. They consider all aspects of your application. What most lenders look at most is how long you've been working at your current job, how long you have been living at your current home, and if you have a valid checking account for them to deposit your loan into. Bad credit shouldn't stop you from applying, because our lenders understand you are here because you need money today.

Aims and Objectives:

*Student Loan
*Home Improvement
*Inventor Loan
*Car Loan
*Debt Consolidation Loan
*Line of Credit
*Second Loan
*Business LOANS
*Personal Loan
*International Loan

Registration:

Your loan transaction must be register with our company authority board of trusty management, In order for your loan transaction to be instantly approved for process and transaction. And the registration is compulsory in order for your transaction to be full secured and transferred into your country and your personal account without any problem or delay.

Fast Money Loans:

Our quick cash loans are available to those that need money fast. We have short-term style loans, all the way up through installment loans, and many in the middle. We can help take away the stress and helpless feelings that often accompany not being able to pay your bills. Overdraft fees, and mounting late fees, can quickly overtake your finances and ruin your ability to make ends meet. That’s what short-term style loans are for. Most of the time, you’ll get your response from your application in seconds or minutes, and then can get the money you need put into your account the following business day.

100% Online Application:

Our application can be done totally online, and it is super simple. We continuously strive to improve both our application and our website. Our security is top notch, allowing all of your personal information to remain safe. However, if your preference is to fill out the application over the telephone, our representatives will assist you with this any day or time you want to apply. We know you need money now, and we are ready and waiting to help. Just contact us via our various email address at (Kennethbeareloanfirm3@outlook.com) We are always on-line to help you solve your financial situations.
By Carteraudry01,  Thu May 14 2015, 00:16
get 2% instant fast loans in 45 minutes to pay your bills etc contact carteraudry01@gmail.com
By osmanloanserves,  Fri May 15 2015, 13:17
Do you need a Loan?
Are you looking for Finance?
Are you looking for a Loan to enlarge your business?
I think you have come to the right place.
We offer Loans atlow interest rate.
Interested people should please contact us on
For immediate response to your application, Kindly
reply to this emails below only.
(osmanloanserves@gmail.com)
By osmanloanserves,  Fri May 15 2015, 13:18
Do you need a Loan?
Are you looking for Finance?
Are you looking for a Loan to enlarge your business?
I think you have come to the right place.
We offer Loans atlow interest rate.
Interested people should please contact us on
For immediate response to your application, Kindly
reply to this emails below only.
(osmanloanserves@gmail.com)
By mikebrownloanoffer,  Sat May 23 2015, 14:00
Good Day !!

I am Mike Brown, Working as a Reputable, Legitimate & an accredited money
Lending company. I want to use this medium to inform you that we render reliable beneficiary
assistance as we'll be glad to offer loan at 2% interest rate to reliable individuals.

mikebrownloanoffer@gmail.com

Services Rendered include:

*Home Improvement
*Inventor Loans
*Car Loans
*Debt Consolidation Loan
*Line of Credit
*Second Loan
*Business Loans
*Personal Loans
*International Loans.

Please write back if interested.
Upon Response, you'll be mailed a Loan application form to fill. (No social
security and no credit check, 100% Guaranteed!) I Look forward permitting me to
be of service to you. You can contact me via e-mail: mikebrownloanoffer@gmail.com
Yours Sincerely,
By Benmolodow,  Tue Jun 2 2015, 20:13
THANKS TO THE GREAT SPELL CASTER CALLED DR. OKORO FOR SOLVING MY PROBLEMS HIS EMAIL (doctorokorocaster@gmail.com)

I am Mrs. Sara Molodow and I'm writing this testimony to tell anyone who needs help no matter if it's help for love,money or anything else there's only one place to go to get this help there's nothing to big they can help you with whatever your problem is and i want to thank Dr. Okoro for bringing back my ex husband, We broke up for more than 10 months and he told me that he never want to see me in his life again. i love him so much to the extend that i could not think of dating any man again, i was confused and depress due to the love i had for him.i did everything i could do to have him come back to me but all went in vain. so i decided to contact a spell caster Call Dr. Okoro, i did not believe in spell casting i just want to try it, may be it would work out for me. i contacted Dr. Okoro for help,and he told me that he have to cast a love spell on him, i told him to do it. after 45 hours my husband called me and started to apologize for leaving me and also he told me that he still love me. i was very happy and i thank Dr. Okoro for helping get back my ex husband back to my hands. his spell is the greatest of all over the world, it was the love spell he cast on my ex husband that make him come back to me. So all you ladies who want back their ex back i want you to contact Dr. Okoro for the return of your ex husband and also your ex boyfriend he can also cast any kind of spell like HIV AID, Love spells for men,Love spells for women, Lost love spells, Lost Love spells for men, Lost Love spells for women, White magic love spells, Black magic love spells,, Soul mate love spell, Love spells, Money spells Normal Spells, Witchcraft spells, Divorce spells, Marriage spells, Long distance love spells, Leave my man love spells, Fast love spells, Fall in love spells, Business Spells Protection spells, Education spells, Traditional healer, Magic spells, Prosperity spells, Success spells, Carieer spells, Wealth spells, Positive energy spells, Spells to attract friends Love spells that work, Simple love spells,you want him to cast for you. his contact email: (doctorokorocaster@gmail.com) you can also contact him through his phone number:+233 231 371 120
By sidneybab3,  Tue Jun 16 2015, 03:52
HELLO AND WELCOME TO KENNETH BEARE LOAN FIRM

If you are in need of money right now, you have found the perfect place for help. After getting a loan from one of our lenders, you will no longer need to worry about your money woes any longer. You can complete our online application in minutes, and your information will always be secure. What this means for you is that you will not need to waste time faxing or coming to a brick and mortar location to complete tons of documents. Plus, we can also give you a response in just seconds after completing and sending us your application. No more waiting weeks or days, like other companies.

Each month, we are able to help thousands of different people take care of their financial troubles. We don’t if you are blacklisted or not, that’s up to you! We just need accurate information filled out on the application. Instead of thinking “I need money now”, take control over your finances by getting the loan you need to be heading down the right track. Your credit won’t hinder you when applying with us, because we understand that people get stuck sometimes in life. When you need cash now, we are ready and willing to help.

We Provide Help:

Our business goal is to help people facing a financial crisis get out from under the weight of the stress. Our lenders can help with loans from just $10,000.00 dollars to $150,000.00dollars That high of loan is not going to be available for everyone, but if you are able to meet each of the requirements, we will help get you the money you are looking for. We don’t mind if your credit rating is excellent, poor, or somewhere in the middle—we are here to help. The lenders that we would match you up with have more requirements than just a credit score. They consider all aspects of your application. What most lenders look at most is how long you've been working at your current job, how long you have been living at your current home, and if you have a valid checking account for them to deposit your loan into. Bad credit shouldn't stop you from applying, because our lenders understand you are here because you need money today.

Aims and Objectives:

*Student Loan
*Home Improvement
*Inventor Loan
*Car Loan
*Debt Consolidation Loan
*Line of Credit
*Second Loan
*Business LOANS
*Personal Loan
*International Loan

Registration:

Your loan transaction must be register with our company authority board of trusty management, In order for your loan transaction to be instantly approved for process and transaction. And the registration is compulsory in order for your transaction to be full secured and transferred into your country and your personal account without any problem or delay.

Fast Money Loans:

Our quick cash loans are available to those that need money fast. We have short-term style loans, all the way up through installment loans, and many in the middle. We can help take away the stress and helpless feelings that often accompany not being able to pay your bills. Overdraft fees, and mounting late fees, can quickly overtake your finances and ruin your ability to make ends meet. That’s what short-term style loans are for. Most of the time, you’ll get your response from your application in seconds or minutes, and then can get the money you need put into your account the following business day.

100% Online Application:

Our application can be done totally online, and it is super simple. We continuously strive to improve both our application and our website. Our security is top notch, allowing all of your personal information to remain safe. However, if your preference is to fill out the application over the telephone, our representatives will assist you with this any day or time you want to apply. We know you need money now, and we are ready and waiting to help. Just contact us via our various email address at (Kennethbeareloanfirm3@outlook.com) We are always on-line to help you solve your financial situations.
By Austin Gift,  Tue Jul 21 2015, 21:57
I am Mr. Austin, 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 : austinloan12@outlook.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 austinloan12@outlook.com

Best Regards,

Mr Austin
By APPLY FOR A LOAN,  Thu Jul 30 2015, 08:02
Do you need a Loan?
Are you looking for Finance?
Are you looking for a Loan to enlarge your business?
I think you have come to the right place.
We offer Loans atlow interest rate.
Interested people should please contact us on
For immediate response to your application, Kindly
reply to this emails below only:
( sbifinancelive@hotmail.com )

Please, do provide us with the Following information if interested.
1) Full Name:
2) Gender:
3) Loan Amount Needed:
4) Loan Duration:
5) Country:
6) Home Address:
7) Mobile Number:
8)Monthly Income:
9)Occupation:
)Which site did you here about us:
Thanks and Best Regards.
CONTACT US: ( sbifinancelive@hotmail.com )
By APPLY FOR A LOAN,  Thu Jul 30 2015, 08:04
We offer financial service of any reason,finance to start business,paying of bills all kind of financial assistance unsecured loans without stress and quick to honest and reliable individuals and companies globally at 3% interest rate. Here is the solution to your financial problem, contact us today via email: ( smartersolution247@gmail.com )
By APPLY FOR A LOAN,  Thu Jul 30 2015, 08:04
Are you looking for a very genuine loan?
Do you want financial assistance in your business?
Do you want to buy your dream house and car?
Do you want to start up a business and you dont know where to start from?
Have you been turned down constantly by your banks and other financial institutions? worry no more because we give out loan At an affordable interest rate of 3%? Processed within 24 hours.and a repayment duration period of 1year to 30years to any part of the world.We give out loans within the range of 1,000 to 100,000,000 USD contact us: ( sydef@outlook.com )
By Abdulmajeedloancompany,  Sun Sep 27 2015, 01:46
Peace, mercy and blessings of God be upon you, Do you need financial assistance of any kind? Personal loans? Business Loans? Mortgage Loans? Agricultural finance and project? Then email us now to get quick approval, with interest rates low @3%.: abdulmajeedloancompany@gmail.com
By Scottlarry816,  Sun Nov 29 2015, 22:17
Attn: I am Mr Larry Scott and i offer loans at 2% interest rate to Companies, and individuals from $2,000 to any amount you are willing to lend. This Company has be existing for the pass 22 years and we are located in the United States and this Company can deliver within 48 hours without any delay. Contact me the CEO at scottlarry816@gmail.com for more information's regarding the loan amount needed. Once again 1 offer from $2,000 to any amount you are willing to lend and we can deliver within 48 hours. We opens from Mondays to Saturdays and you can contact me the CEO for more information's on the loan. Thanks and God bless as you apply. Best Regards

Mr Larry Scott
By Drakugbepellhom1,  Thu Dec 10 2015, 12:10
Here is easy way to get Affordable XMAS loan that will change your life for ever,I am morgan smith a certified loan lender,I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%.Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because i will make you smile.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.i want you to understand the fact that i morgan smith is out to help the less financial privilege get back on track by providing all type of loans to them (E.G) mortgages,home loans business loans and bad credit loans commercial loans,start-up- working capital loans,construction loans car loans,hotel loans,and student loans,personal loans,Debts Consolidation Loans,what are you waiting for asap why don’t you try morgan smith Loan home and be free from debts any interested client should contact me asap (smithmorgan306@gmail.com)
By Jeanhoward97,  Tue Dec 22 2015, 06:08
Very impressive and interesting answers are posted here.


I must thank the questioner for asking!
By Trusted.ventures,  Wed Feb 17 2016, 05:18
My dear brothers and sisters, My name is Pastor Bryce Knorr. I am the general Overseer of the Church of Christ Foundation Ministry. I just came across this website while searching for an information on the internet and i found out that there are a lot of where to get a loan this new year 2016 to start up a business or expand their existing business. My Godly conscience will not allow me to keep quiet and not to direct people to a genuine place where i got loan from a foreign private loan company with just 3% interest rate without stress bypassing the rigorous processes of our local commercial banks. Sometimes late last year when we where looking for funds to expand our church. A fellow Pastor directed me to this foreign private loan company where he had also gotten his loan. I was told to contact one of them via (trusted.ventures@yahoo.com) We applied for an unsecured loan of $100,000USD to expand our ministry and within 48 hours working days, the whole process was completed. When we announced to our church family members after one week that the loan was approved and the note to the local bank had been paid, applause filled the worship center. NO COLLATERAL REQUIRED. NO CREDIT CHECK.The loan application process was explained clearly and [they] walked us through every aspect.So my brothers and sisters while surfing the internet, i decided to stop by and share this information because information they say is power. Who knows, your financial breakthrough this 2016 may just be this little piece of information when acted upon. if there is anyone here looking for a loan, contact them through their email and by the special power of the almighty, 2016 will be your financial breakthrough in thy mighty name of JESUS....GOD BLESS YOU ALL.
By Trusted.ventures,  Wed Feb 17 2016, 05:18
My dear brothers and sisters, My name is Pastor Bryce Knorr. I am the general Overseer of the Church of Christ Foundation Ministry. I just came across this website while searching for an information on the internet and i found out that there are a lot of where to get a loan this new year 2016 to start up a business or expand their existing business. My Godly conscience will not allow me to keep quiet and not to direct people to a genuine place where i got loan from a foreign private loan company with just 3% interest rate without stress bypassing the rigorous processes of our local commercial banks. Sometimes late last year when we where looking for funds to expand our church. A fellow Pastor directed me to this foreign private loan company where he had also gotten his loan. I was told to contact one of them via (trusted.ventures@yahoo.com) We applied for an unsecured loan of $100,000USD to expand our ministry and within 48 hours working days, the whole process was completed. When we announced to our church family members after one week that the loan was approved and the note to the local bank had been paid, applause filled the worship center. NO COLLATERAL REQUIRED. NO CREDIT CHECK.The loan application process was explained clearly and [they] walked us through every aspect.So my brothers and sisters while surfing the internet, i decided to stop by and share this information because information they say is power. Who knows, your financial breakthrough this 2016 may just be this little piece of information when acted upon. if there is anyone here looking for a loan, contact them through their email and by the special power of the almighty, 2016 will be your financial breakthrough in thy mighty name of JESUS....GOD BLESS YOU ALL.

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