Sentences with phrase «product as a loan»

For years, the FHA has advertised its products as loans for consumers «on the margins» of homeownership; those with less - than - perfect credit scores, with elevated debt - to - income ratios, or with a lack of credit history.

Opponents of Consumer Legal Funding have been working overtime to classify the product as a loan within the confines of State Legislators.

These persons or companies may have product liability to the ultimate consumer, whether that person purchased the item from them, received the product as a loan or as a gift.

Not exact matches

Compared with standard commercial loan products, the underwriting examines cash flow closely as a basis for approvals and decisions on loan rates.

In a report released last month, GAO concluded that the offers it received «did not compare favorably with other financial products or offerings, such as loans and lump - sum options through pension plans.»

In form, they're pretty similar to «installment loans,» an old product in the U.S. that's regaining popularity as states crack down on payday lenders.

Morgan Stanley is hoping that a drastic cut in this kind of compensation will spur brokers to sell more products, such as mutual funds, loans and financial planning services, to those clients, according to several Morgan Stanley advisers.

A less conventional but quicker and more effective solution to securing capital is through alternative options from companies like PayPal, Fundbox and IndieGoGo, which provide products such as PayPal Working Capital, merchant cash advances, peer - to - peer loans and crowd - funding to help retailers fund seasonal staffing and manage cash flow for increased inventory.

Shadow banking is a broad category of banking - like services from non-traditional players; it can include loans from non-financial companies as well as investment products.

«These include cleaning up their balance sheets, reducing legacy exposures largely originating from the financial crisis, such as certain non-marketable financial products, and from the ensuing Great Recession, such as non-performing loans.»

The offer might prove too tempting to someone who might otherwise never take out an auto - title loan, said the regulator in a bulletin to lenders: «This business model could also be perceived as a deceptive practice because it appears calculated to bring the consumer into the store with the promise of one product, but later effectively requires the consumer to go to another location to purchase another product.»

The APR offer you receive will vary from lender to lender, based on the loan product you're seeking and your history as a borrower.

However, for these players it is more difficult to meet the demand of key bank products (such as loans) due to less restricted regulations that force their customers to spend heavily on compliance and maintain large capital cushions.

Yang says, «While the lien is outstanding, we try to get the borrower into the best product they're eligible for at that time, such as a short - term loan.

This includes most alternative lending products such as merchant cash advances and short - term loans or credit lines with daily or weekly payments.

The firm specializes in strategies such as credit hedge funds, long only funds and separate account, distressed - for - control private equity, collateralized loan obligations, mutual funds, closed - end funds, ETFs and non-traded products.

The SMART Box isn't intended to replace a lender's current loan disclosure information or documentation, but rather is intended as a supplemental disclosure that identifies key pricing information to make it possible for a small business to assess different loan products and determine the right fit for the business» need or use case.

At Bear, Stearns & Co., Mr. Abbott served as a Vice President in Financial Analytics & Structured Transactions (F.A.S.T) where he structured and reverse engineered complex CDO transactions, secured by a wide range of debt products, including high yield bonds, senior secured leverage loans, trust preferred bank loans, RMBS as well as other esoteric receivables.

CBA group retail banking executive and incoming CEO Matt Comyn announced plans to stop offering the Credit Card Plus and Personal Loan Protection insurance products and implement a program to refund as many as 140,000 customers on Wednesday.

The policies are categorised as loan insurance products and are designed to protect policyholders who lose their jobs from credit card repayments, for example.

Its Wholesale Banking segment offers commercial loans and lines of credit, letters of credit, asset - based lending, equipment leasing, international trade facilities, trade financing, collection, foreign exchange, treasury management, merchant payment processing, institutional fixed - income sales, commodity and equity risk management, corporate trust fiduciary and agency, and investment banking services, as well as online / electronic products.

Subject to the terms and conditions of the Terms, we grant you a limited, non-transferable, non-sublicenseable, non-exclusive, revocable license to use the Website and the Content for persons who seek to enter into or have entered into loans, seek to or have become investors / lenders or any person interested in learning more about Credibility Capital, its products and services, until such time as the Terms terminate or expire or your right to use or access the Website is terminated in accordance with the Terms.

Currency is an online equipment financing marketplace that provides a variety of loan and financing products through in - house financing as well as its partner lender network.

Unlike most business loan products, Wells Fargo's unsecured business loans have a quick turnaround time — funds can be in your account as soon as the next business day.

USDA loan: As of October 2017, Quicken added USDA loans to its government loan product offering.

Mortech ® supplies thousands of mortgage professionals with a number of services and tools, such as all - in - one pricing, rate notification, prospect management tools, custom rate sheets, loan product eligibility and guideline services.

However, it is important to consider factors other than rates when evaluating lenders, such as customer service and loan product availability.

Other income for the Direct Banking segment decreased $ 21 million from last year's second quarter as a result of lower late fees, lower transition services revenue related to the Student Loan Corporation and a decline in protection products revenue.

This consumer deserves more choices and better terms, so KWF created new products such as a Low - FICO Solar PPA, 20 - year Solar Loan, and competitively priced unsecured loans for energy / water efficiency upgrades.

Installment lenders can also legally exclude the premiums when calculating the loan's annual percentage rate, as long as the borrower can select the insurer or the insurance products are voluntary — loopholes in the Truth in Lending Act, the federal law that regulates how consumer - finance products are marketed.

Higher conversion rate as a result of greater selection and eligibility, with loan products for every state.

Now, in addition to developing relationships and winning assets, they are advising clients on products that are more akin to banking, such as home loans and mortgages.»

Your options as a member include regular banking products, such as savings accounts, money market accounts and checking accounts, as well as mortgage loans, auto loans and credit cards.

P2P loans (peer - to - peer loans) and invoice financing facilities are a real alternative to bank loans for business or SME owners to borrow money, and investors can invest in such loans and invoice financing as an alternative to the financial products of the banks with attractive potential returns.

15 - Year Loan This mortgage product offers the same payment security as the 30 - year loan, but with a shorter tLoan This mortgage product offers the same payment security as the 30 - year loan, but with a shorter tloan, but with a shorter term.

The company offers private label credit cards, dual cards, and small and medium - sized business credit products; and promotional financing for consumer purchases, such as private label credit cards and installment loans.

They function as the sales force for wholesale lenders, matching borrowers to the best loan product and lender for their situation.

This reflects borrowers switching from loan products with higher interest rates, such as traditional fixed - term personal loans, to products which attract lower rates of interest, such as home - equity lines of credit and other borrowing secured by residential property.

The situation will undoubtedly also have been supported by the ruling in December from the CBRC, which discourages banks from referring their clients to invest in such products, as well as the regulator's recent mandate that firms tighten their risk management and disclosure around entrusted loans.

This is because small businesses lending has been migrating to low - interest rate loan products, such as residentially secured loans.

Interest rates on specific loan products have been fairly stable over the past year, as discussed in the chapter on «Domestic Financial Markets».

Such risk, moreover, is exacerbated by the very fact that the products tend to attract issuers that have substantial debt and have previously found it difficult to gain access to traditional lending channels such as bank loans.

If you do a credit check and that company does not look like they have the ability to pay, don't give them the product, which is the same thing as loaning the money.

As a branch manager, he counseled personal and business clients on a wide spectrum of banking products and services ranging from mortgages to business loans.

Below, you'll learn what types of loans and other funding products are available for insurance agencies as well as information about how funds from these loans are typically used.

In fact, some first - time homebuyers may be able to secure a loan with a down payment as low as 3.5 %, especially through the FHA Loan Program, or 3 % with a Fannie Mae prodloan with a down payment as low as 3.5 %, especially through the FHA Loan Program, or 3 % with a Fannie Mae prodLoan Program, or 3 % with a Fannie Mae product.

One of the big questions the study set out to address is whether the way payday lenders present their products — as a quick, hassle - free way to get cash for a week or two when an unexpected expense crops up — reflects the kind of experience people actually have with these loans.

While 20 % may be the most common down payment requirement for most conventional loans, some products, like FHA loans, require down payments as low as 3.5 %.

As with other forms of debt, the margin and interest rate that a borrower receives on a variable rate loan are heavily dependent on credit score, lender and loan product.

It also suggested credit providers were becoming more picky about who they would lend credit to at a time of regulator - driven curbs that have seen commercial lenders increasingly raise costs for borrowers on investment loan products such as interest - only loans, Mr Shilbury said.