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Thursday, April 23, 2009
Article : Lending Tree Shifts Creative from Mullen to Euro
CHARLOTTE, N.C. – Lending Tree has awarded its creative duties for ad accounts to Havas’ Euro RSCG Worldwide, New York, taking it away from incumbent Interpublic Group of Cos.’ Mullen. The shift comes after a poor quarter for Lending Tree and a move to separate IAC/InterActive Corp. – Lending Tree’s parent – into five separate publicly traded companies.
The win is the first for Euro RSCG since the agency’s realignment, under which Euro RSCG 4D, the agency’s digital arm, was fully integrated into Euro RSCG New York – putting digital at the core of the agency’s operations. ...read all...
The win is the first for Euro RSCG since the agency’s realignment, under which Euro RSCG 4D, the agency’s digital arm, was fully integrated into Euro RSCG New York – putting digital at the core of the agency’s operations. ...read all...
News : LendingTree sued over data breach
One month after suing three lending firms, LendingTree has now been sued by a Bronx man who claims a security breach with the mortgage site has harmed his credit score, led to higher credit card interest rates, and resulted in him getting rejected for at least one loan.
The lawsuit against LendingTree, filed late last week in U.S. District Court in Manhattan, seeks class action status. Filed on behalf of Marvin Garcia, it alleges that LendingTree was negligent in failing to keep customer personal information secure and failing to notify customers of the security breach in a timely manner.
The breaches--which involved names and Social Security numbers among other personal information--are believed to have begun in October 2006, but LendingTree did not notify customers until last month.
LendingTree also is placing the responsibility and cost on customers for monitoring their credit reports and trying to repair negative impacts on their credit history from the breach, the lawsuit says.....
The lawsuit against LendingTree, filed late last week in U.S. District Court in Manhattan, seeks class action status. Filed on behalf of Marvin Garcia, it alleges that LendingTree was negligent in failing to keep customer personal information secure and failing to notify customers of the security breach in a timely manner.
The breaches--which involved names and Social Security numbers among other personal information--are believed to have begun in October 2006, but LendingTree did not notify customers until last month.
LendingTree also is placing the responsibility and cost on customers for monitoring their credit reports and trying to repair negative impacts on their credit history from the breach, the lawsuit says.....
Link to a forum : Lending Tree Good/Bad?
: "Let's get the goods on the lending tree experience. I would like to know the best pros and the worst cons. I have not seen a thread that addresses this, but if it is out there could someone post it.Best Regards,Jacopo"see this forum at : http://www.city-data.com/forum/mortgages/236167-lending-tree-good-bad.htmlhttp://www.city-data.com/forum/mortgages/236167-lending-tree-good-bad.html
Mortgage Refinancing Forum : Can I lower the interest rate on my mortgage without refinancing?
"I am considering refinancing, but I am not really too sure yet. Is there any way that I could call my current lender and just negotiate a lower interest rate with them? This way I could possibly avoid all of the closing costs, etc that are associated with refinancing. Has anyone had any luck with this?"
see this forum at : http://answers.yahoo.com/question/index?qid=20080208111113AAr966X
see this forum at : http://answers.yahoo.com/question/index?qid=20080208111113AAr966X
Wednesday, April 22, 2009
Calculating your home equity
: Calculating equity is simple: you take the market value of your home and subtract any outstanding mortgages or liens. So if you have a $100,000 home and have $60,000 left to repay on your mortgage, your equity would equal $40,000. The amount of equity you have is not constant, however. It changes depending on your home’s value, market conditions and the terms of your mortgage. The simplest way to increase your equity is to pay off your mortgage. The more you pay towards the principal, the more equity you will accrue. In the beginning, most of your payments will likely go toward the interest, so you will build equity much slower in the first couple of years in your new home. You can build equity faster if you shorten the term of your mortgage, as more of your payments go toward principal. Once you have paid off your mortgage, the lien on the title will be cleared and you will own 100 percent of your home. You can also increase your home’s equity by making improvements that increase its value. Be careful here, however, as renovations rarely recoup their full cost. The best strategy is to make renovations that bring your house up to par with other houses on the block and to avoid souping up your house with upgrades and designer appliances the rest of the neighborhood doesn’t have. Best of all, your equity may increase without you doing anything. If property values in your area increase, so will your equity, as it is based on market values. Using the above example, if property values in your area increase by eight percent, your equity would equal $48,000. But housing market conditions are affected by a number of things, including interest rates, inflation and the economy. And while houses tend to appreciate over time, it is possible for these conditions to lower property values and result in a decrease in your equity. In a worst-case scenario, this could result in negative equity, where the amount of your mortgage exceeds the value of your home. Negative equity could also occur if you have an interest-only mortgage. In these cases, your monthly payments may be covering just the interest or only a portion of it. At the end of the interest-only term, you still owe the lender the principal as well as any unpaid interest, possibly meaning that you owe more than the market value of your home. To help avoid negative equity, make sure at least some of your mortgage payments are paying down the principal and try to buy a home in an area where property values are increasing. The good news is that national home values generally appreciate by an average rate of five percent per year, and home prices have on the whole increased steadily since 1968, increasing by 8.8 percent in 2004, according to the National Association of REALTORS®. This wealth is readily accessible through home equity loans, which tend to have lower interest rates and may have tax benefits.
Dan MooreVice President, Product Management
Dan MooreVice President, Product Management
Credit Cards
Credit card comparisons are key in today’s world. When choosing a credit card, there are many features to consider: whether you need credit cards for college students, business credit cards, and even secured cards to help build or rebuild your credit. Over the years, reward cards have become very popular. You can earn airline miles, cash back, gasoline and more every time you use your card. With over 150 cards to choose from, GetSmart will make it simple to find the credit card to meet your need.
Help you build a credit history
Allow you to earn rewards like cash, airline miles, gas and more
Offer purchase protection on items unlike cash or check
Credit Card Articles
Compare Credit Card Rates
Find the best credit card offers from all the top cards!
Tips for Using Credit CardsA credit card can help you build credit and manage your money. Follow these steps and precautions to make sure you fully understand your credit-card plan.Read more >
Ask an Expert: Running a Credit Card BalanceWill carrying a credit-card balance hurt my credit?Read more >
A Blueprint for Rebuilding Your CreditWhen you’re trying to recover from a bad credit history, the key is to start small and build yo
Help you build a credit history
Allow you to earn rewards like cash, airline miles, gas and more
Offer purchase protection on items unlike cash or check
Credit Card Articles
Compare Credit Card Rates
Find the best credit card offers from all the top cards!
Tips for Using Credit CardsA credit card can help you build credit and manage your money. Follow these steps and precautions to make sure you fully understand your credit-card plan.Read more >
Ask an Expert: Running a Credit Card BalanceWill carrying a credit-card balance hurt my credit?Read more >
A Blueprint for Rebuilding Your CreditWhen you’re trying to recover from a bad credit history, the key is to start small and build yo
Home Equity Loans & Lines of Credit
GetSmart about Home Equity Loans and Lines of Credit
What is Home Equity?
Home Equity is the value of your home minus the balance of any mortgage loans on the home. Example – Value of the home is $250,000, you owe $100,000 on the home – your equity is $150,000.
Is a Home Equity Loan Right for You?
A home equity loan or line of credit, in most cases carries a lower interest rate than credit cards or unsecured personal loans. Additionally, the interest on a home equity loan or line of credit may be tax deductible, depending on your available equity. Consult your tax advisor to determine how much you could save. Typical uses for a Home Equity are:
Debt consolidation
Home improvements and landscaping projects
New car purchase
Tuition fees
Emergency auto repairs, emergency purchases - such as appliance replacement, furnaces, etc.
Renovations and home improvements/repairs are an especially appropriate purpose for a home equity loan or line of credit, because you are putting money back into your home, thereby possibly increasing its value.
Home Equity Loan Articles
CompareHome Equity Rates
Get matchedinstantly with up to4 competing lenders!
Smart Tips for Using a Home Equity Loan or Line of CreditOne of the questions consumers answered referred to their reasons for obtaining a home equity loan or line of credit. We've listed the top six reasons, along with some useful - and fun - information on each one. Read more.
How to Compare Home Equity LoansHere's how to choose the right home equity loan for your needs. Read more.
Save by Using Home EquityFrom buying a car to paying for tuition, here are some less common ways to save by using your home equity. Read more.
More Home Equity Articles
What is Home Equity?
Home Equity is the value of your home minus the balance of any mortgage loans on the home. Example – Value of the home is $250,000, you owe $100,000 on the home – your equity is $150,000.
Is a Home Equity Loan Right for You?
A home equity loan or line of credit, in most cases carries a lower interest rate than credit cards or unsecured personal loans. Additionally, the interest on a home equity loan or line of credit may be tax deductible, depending on your available equity. Consult your tax advisor to determine how much you could save. Typical uses for a Home Equity are:
Debt consolidation
Home improvements and landscaping projects
New car purchase
Tuition fees
Emergency auto repairs, emergency purchases - such as appliance replacement, furnaces, etc.
Renovations and home improvements/repairs are an especially appropriate purpose for a home equity loan or line of credit, because you are putting money back into your home, thereby possibly increasing its value.
Home Equity Loan Articles
CompareHome Equity Rates
Get matchedinstantly with up to4 competing lenders!
Smart Tips for Using a Home Equity Loan or Line of CreditOne of the questions consumers answered referred to their reasons for obtaining a home equity loan or line of credit. We've listed the top six reasons, along with some useful - and fun - information on each one. Read more.
How to Compare Home Equity LoansHere's how to choose the right home equity loan for your needs. Read more.
Save by Using Home EquityFrom buying a car to paying for tuition, here are some less common ways to save by using your home equity. Read more.
More Home Equity Articles
Home Mortgage Loans
tSmart about Home Mortgage Loans
Buying a home can be very exciting, but the excitement may soon turn to apprehension. GetSmart is here to make purchasing your home easy, whether you’re a first-time or experienced home buyer.
How It Works
Complete a short 2-minute form
Get matched with up to 4 lenders in minutes
Let lenders compete for your business
Purchase Mortgage Tips
With today’s changing mortgage market, lending requirements have gotten stricter. Bottom line, for those with less-than-perfect credit, it’s harder to get a loan now than it was a year or two ago, but following these home mortgage loan tips can help improve your attractiveness to mortgage companies and be a smart shopper.
Improve your credit score.If your score is below 700, you may want to improve it before applying for a loan.
Increase the size of your down payment.A down payment of at least 10 percent makes you a more attractive borrower to lenders because the lender assumes less risk if you default on the loan.
Lower your debt-to-income ratio.In general, lenders consider borrowers with more than 36 percent of their income going towards housing and recurring debt to be a higher lending risk.
Shop around.A good idea in any time, comparison shopping is particularly useful in a tighter mortgage market.
Include a loan contingency in your offer contract.A loan contingency simply states that your offer to buy the house depends on your ability to obtain financing.
Home Mortgage Loan Articles
CompareHome Mortgage Rates
Get matchedinstantly with up to4 competing lenders!
Qualifying for a Home LoanYour ability to repay is verified by your current employment and total income. Your willingness to repay is closely related to how you’ve fulfilled previous financial commitments. Read more.
Low Down Payment? Here Are Two SolutionsIf you are paying less than 20 percent down for your new home, you will probably be required to pay private mortgage insurance. Read more.
Finding the Best MortgageHome buyers can choose from many different types of mortgages. The basic models are fixed rate mortgages and adjustable rate mortgages or ARMs.Read more.
More Home Mortgage Articles
Buying a home can be very exciting, but the excitement may soon turn to apprehension. GetSmart is here to make purchasing your home easy, whether you’re a first-time or experienced home buyer.
How It Works
Complete a short 2-minute form
Get matched with up to 4 lenders in minutes
Let lenders compete for your business
Purchase Mortgage Tips
With today’s changing mortgage market, lending requirements have gotten stricter. Bottom line, for those with less-than-perfect credit, it’s harder to get a loan now than it was a year or two ago, but following these home mortgage loan tips can help improve your attractiveness to mortgage companies and be a smart shopper.
Improve your credit score.If your score is below 700, you may want to improve it before applying for a loan.
Increase the size of your down payment.A down payment of at least 10 percent makes you a more attractive borrower to lenders because the lender assumes less risk if you default on the loan.
Lower your debt-to-income ratio.In general, lenders consider borrowers with more than 36 percent of their income going towards housing and recurring debt to be a higher lending risk.
Shop around.A good idea in any time, comparison shopping is particularly useful in a tighter mortgage market.
Include a loan contingency in your offer contract.A loan contingency simply states that your offer to buy the house depends on your ability to obtain financing.
Home Mortgage Loan Articles
CompareHome Mortgage Rates
Get matchedinstantly with up to4 competing lenders!
Qualifying for a Home LoanYour ability to repay is verified by your current employment and total income. Your willingness to repay is closely related to how you’ve fulfilled previous financial commitments. Read more.
Low Down Payment? Here Are Two SolutionsIf you are paying less than 20 percent down for your new home, you will probably be required to pay private mortgage insurance. Read more.
Finding the Best MortgageHome buyers can choose from many different types of mortgages. The basic models are fixed rate mortgages and adjustable rate mortgages or ARMs.Read more.
More Home Mortgage Articles
Refinance Mortgage Loan
Don't waste your valuable time and money.Get matched now!
Type of Loan: Purchase Refinance Home Equity Commercial Loan Home Description: Single family home Condo Townhome Multiple family dwelling Mobile home Property Type: Primary residence Second home / vacation property Investment Property Your Credit Profile: Excellent Good Fair Poor
FAST, SIMPLE, SECURE
No SSN required to bematched with lenders!
GetSmart about Refinancing Home Loans
Outgrown your old home loan? Take advantage of low refinance mortgage rates and keep your monthly payments affordable.
A refinance mortgage can help you:
Trade your adjustable-rate mortgage (ARM) for a lower fixed rate loan
Get cash out from your home’s equity
Simplify debt consolidation
Reduce your monthly payments
Home refinancing is also a powerful tool for restructuring your finances. If you opt for cash-out refinancing, you can draw cash from the equity in your home. Use the money however you like:
Debt consolidation
Home Improvement
Buy a new car or truck
Cover college tuition
Refinancing Articles
CompareRefinance Rates
Get matchedinstantly with up to4 competing lenders!
4 Tips for Refinancing in Today’s MarketBe an informed borrower with these four mortgage refinance tips. Read more.
What to Know About Your Mortgage Before You RefinanceThinking of refinancing? Here's what you need to know about your current mortgage first. Read more.
Thinking About Cash Out Refinancing Read This FirstAs with most financial solutions, there are smart ways and not-so-smart ways to use a cash-out refinance.Read more.
More Refinance Mortgage Articles
Type of Loan: Purchase Refinance Home Equity Commercial Loan Home Description: Single family home Condo Townhome Multiple family dwelling Mobile home Property Type: Primary residence Second home / vacation property Investment Property Your Credit Profile: Excellent Good Fair Poor
FAST, SIMPLE, SECURE
No SSN required to bematched with lenders!
GetSmart about Refinancing Home Loans
Outgrown your old home loan? Take advantage of low refinance mortgage rates and keep your monthly payments affordable.
A refinance mortgage can help you:
Trade your adjustable-rate mortgage (ARM) for a lower fixed rate loan
Get cash out from your home’s equity
Simplify debt consolidation
Reduce your monthly payments
Home refinancing is also a powerful tool for restructuring your finances. If you opt for cash-out refinancing, you can draw cash from the equity in your home. Use the money however you like:
Debt consolidation
Home Improvement
Buy a new car or truck
Cover college tuition
Refinancing Articles
CompareRefinance Rates
Get matchedinstantly with up to4 competing lenders!
4 Tips for Refinancing in Today’s MarketBe an informed borrower with these four mortgage refinance tips. Read more.
What to Know About Your Mortgage Before You RefinanceThinking of refinancing? Here's what you need to know about your current mortgage first. Read more.
Thinking About Cash Out Refinancing Read This FirstAs with most financial solutions, there are smart ways and not-so-smart ways to use a cash-out refinance.Read more.
More Refinance Mortgage Articles
Auto Refinance from LendingTree
LendingTree helps its customers find car refinance loans. You can get a lower interest rate, or lower your monthly payments, by refinancing your car loan. LendingTree requires you to fill out an online application and then the company matches you with up to four competing lenders. Live customer service is available.
Costco Mortgage and Refinancing from LendingTree
Through an ongoing partnership between warehouse club Costco and LendingTree, Costco members receive Costco cash cards and favorable rates when using LendingTree to find a mortgage, refinance mortgage, home equity product or real estate service. Several times a year, usually in January and June, the cash card payouts are increased. This is reason enough to wait for a calendar turn
Home Purchase Loan from LendingTree
LendingTree
LendingTree is one of the nation's largest online lending exchanges. It connects consumers with lenders who provide mortgages, refinance loans, home equity loans/lines of credit, auto loans, personal loans, credit cards and high yield savings accounts. LendingTree also connects consumers with real estate brokers. The company's motto "When Banks Compete, You Win!" speaks to LendingTree's mission of creating a marketplace where lenders compete for consumers' business.
Store Name: Lending Tree
Store Name: Lending Tree
Website: www.LendingTree.com
Category: Banking & Insurance
Expiry Date: Unknown
Coupon Code: Click Here To Redeem
Last Updated: Jul, 3 2008
Discuss This Coupon Refer a Friend Coupon Alert
How to use Lending Tree Coupons & Voucher Codes?
Offer Expired? Don't Worry. Check Other Lending Tree coupons & voucher codes.
Special Offer
Bookmark Us
Description: Lending Tree Coupon Code - CouponRefund.com offers greatest online deals, discount voucher codes, free shipping codes, coupon codes, promotional codes and many other bargains just for free like LendingTree Mortgage Loans
function func(storeid)
{
var st_id =storeid;
window.open('store_details.html?store_id='+st_id);
}
Reffer a Friend
Your Name :
Your Email :
Friend Name :
Friend Email :
Security Code :
function func(storeid)
{
var st_id =storeid;
window.open('store_details.html?store_id='+st_id);
}
Discuss This Coupon
Name :
Email :
Feedback :
Security Code :
How to use Lending Tree Coupons / Vouchers?
We offer Lending Tree coupons and discount vouchers in two forms:
Direct Link / Embedded Coupons / Vouchers:
To use these coupons/vouchers, you just need to simply click on the link because of the fact that coupon or discount is already encoded or embedded. Occasionally the discount will appear right when you click over and sometime you can get your hands on it while you checkout. Most of the time we want to deliver Lending Tree coupons to you in this fashion but it is not essential that it turns out that way each time.
Coupon Codes / Promotion Codes / Voucher Codes:
This sort of coupons are generally appear or used during checking out process in a special, coupon or promotion box. Generally these coupons have numerous names like Coupon Code, Voucher Coder, Offer Code, Promotional Code, Key Code, Shopping Code, Source Code, Promo Code and Discount code etc. Whenever any user clicks the coupon offer, he will be redirected to merchant website. You need to COPY the coupon code so that you can use it later when you are checking out. Please keep in mind that proper submission of the coupon code in the appropriate checkout box is necessary before the discount is applied.
Report expired or out of date Lending Tree Voucher Codes
Some of the Lending Tree coupons or voucher codes could be expired or terminated without our knowledge because merchants sometimes fail to prompt us when the coupons / vouchers expire. In such cases, users are requested to report the
Website: www.LendingTree.com
Category: Banking & Insurance
Expiry Date: Unknown
Coupon Code: Click Here To Redeem
Last Updated: Jul, 3 2008
Discuss This Coupon Refer a Friend Coupon Alert
How to use Lending Tree Coupons & Voucher Codes?
Offer Expired? Don't Worry. Check Other Lending Tree coupons & voucher codes.
Special Offer
Bookmark Us
Description: Lending Tree Coupon Code - CouponRefund.com offers greatest online deals, discount voucher codes, free shipping codes, coupon codes, promotional codes and many other bargains just for free like LendingTree Mortgage Loans
function func(storeid)
{
var st_id =storeid;
window.open('store_details.html?store_id='+st_id);
}
Reffer a Friend
Your Name :
Your Email :
Friend Name :
Friend Email :
Security Code :
function func(storeid)
{
var st_id =storeid;
window.open('store_details.html?store_id='+st_id);
}
Discuss This Coupon
Name :
Email :
Feedback :
Security Code :
How to use Lending Tree Coupons / Vouchers?
We offer Lending Tree coupons and discount vouchers in two forms:
Direct Link / Embedded Coupons / Vouchers:
To use these coupons/vouchers, you just need to simply click on the link because of the fact that coupon or discount is already encoded or embedded. Occasionally the discount will appear right when you click over and sometime you can get your hands on it while you checkout. Most of the time we want to deliver Lending Tree coupons to you in this fashion but it is not essential that it turns out that way each time.
Coupon Codes / Promotion Codes / Voucher Codes:
This sort of coupons are generally appear or used during checking out process in a special, coupon or promotion box. Generally these coupons have numerous names like Coupon Code, Voucher Coder, Offer Code, Promotional Code, Key Code, Shopping Code, Source Code, Promo Code and Discount code etc. Whenever any user clicks the coupon offer, he will be redirected to merchant website. You need to COPY the coupon code so that you can use it later when you are checking out. Please keep in mind that proper submission of the coupon code in the appropriate checkout box is necessary before the discount is applied.
Report expired or out of date Lending Tree Voucher Codes
Some of the Lending Tree coupons or voucher codes could be expired or terminated without our knowledge because merchants sometimes fail to prompt us when the coupons / vouchers expire. In such cases, users are requested to report the
Tap the Power of Your Home’s Equity
Need cash for home improvements, debt consolidation…anything?
Try a Home Equity Loan. Our network of lenders can provide all types of home equity loans and versatile home equity lines of credit (HELOC). Get cash from your home’s equity for any financial need:
Consolidate your debt into one easy payment
Make home improvements
Pay for college
Buy a car
Have a ready-to-use safety net for financial emergencies
In some cases, there are even tax benefits to having a home equity loan.* Use a LendingTree Home Equity Calculator to calculate your home's equity and find the home equity loan that’s best for you.
*Consult your tax planner
Try a Home Equity Loan. Our network of lenders can provide all types of home equity loans and versatile home equity lines of credit (HELOC). Get cash from your home’s equity for any financial need:
Consolidate your debt into one easy payment
Make home improvements
Pay for college
Buy a car
Have a ready-to-use safety net for financial emergencies
In some cases, there are even tax benefits to having a home equity loan.* Use a LendingTree Home Equity Calculator to calculate your home's equity and find the home equity loan that’s best for you.
*Consult your tax planner
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