Tips on Private Student Loan Consolidation programs

While trying to find the best private student loan consolidation programs, you are advised to perform your own quality research. Usually a good research can be done with the assistance of the internet. As you go online, this helps in discovering the best consolidation program for you. How? By comparing one program with another and carefully checking each one’s benefits as well as disadvantages.

College students must understand the fact that not all private student loan consolidation programs are created equal. Therefore, when you need to deal with the lending companies, it is best to really understand and evaluate all information that they provide you, especially when it comes to the program’s terms and conditions.

Likewise, you must ask if the student loan consolidation interest rates are low enough and can help you in your quest to pay all your financial responsibility. You might never know if there are rules and contract clauses that are actually not favorable to your interest.

It is also helpful to use an online student loan debt consolidation calculator to make the appropriate computations and arrive at various data that can help you decide which mode of repayments are best suited for you.

As you are able to acquire a private student loan consolidation, it is advisable that you should be organized right from the start in keeping all documents and letters that pertain to the program. Such documents are important as they have in them the student’s involvement and obligation to the program. Loan documents should be kept well and maintained up to the time that the student debt consolidation loans are finally settled; such are evidences that you are done with the loan, and thus will prevent and future hassles or problems.

Insider's Guide to Admissions

The CFS office will be closed September 1st through the 8th. We'll be back in the office on September 9th.

This Friday, September 29th, is Natalie's last day. I want to thank her very much for the four years she has worked with me. She has been a great blessing to me and our clients. Natalie, God bless you in your future endeavors.

Douglas Christiansen is Vanderbilt University's associate provost for enrollment and dean of admissions. He's spent the last 20 years in admissions leadership roles in both public and private universities. Now he's using his expertise to give students practical advice on what they can do to get into the right college, in hopes of clearing some of the mystery and misconceptions surrounding the admissions process.

In a series of short and direct video clips, Christiansen tackles questions such as, "How should I prepare for my college essay—what if I'm not the greatest writer?" "My parents have decent jobs, but we haven't saved much for college. What are my chances of getting financial aid?" "As an admissions insider, what tips can you give to help me sound my best in my application?"

Christiansen also talks about when extracurricular activities can actually hurt an applicant and how to ease the stress surrounding the admissions process.

Fix and Flip Program for Colorado and Arizona Real Estate Investors

For investors interested in taking advantage of resuced property values by participating in renovating and re-listing properties should take a look at the great investor program we are offering our clients.

This product is specifically designed to accommodate investors who want to purchase and remodel fix-up properties in order to sell them for a gain or to refinance them under conventional terms once the property has been remodeled. The program not only works for 1 to 4 residential units, but also for commercial properties which have 5 or more units. The program is offered in metropolitan Denver, Colorado and surrounding cities, also in metropolitan Phoenix, Arizona and surrounding cities. The loan term is for 180 to 360 days, depending on property type. There are NO prepayment penalties and interest only payments are due monthly.


Our investor lends up to 90% of the purchase price and additionally lends 90% of the improvements that the borrower estimates they will make to the property. The borrowers are allowed to do work to the property themselves as it is not required that contractors complete the work.

We can use equity in other properties (known as cross-collateralization) for the down payment on the fix-and-flip property so that the borrower does not have to put cash into the transaction, provided that our loan-to-value and other guidelines are met.

We allow the properties to be titled in the name of corporations, partnerships or limited liability companies. This is very popular with fix-and-flip investors.
Borrowers who are self-employed find the loan quick and easy to qualify for because we have flexible income underwriting.

We do not have a specific limit on the number of investment properties that the borrower has financing on.

We close these loans very quickly. We typically provide approvals within 24 hours and many closings occur within 1 (one) week of approval. Our quick closings often help the buyer get a contract over other prospective buyers.

We do not have any prepayment penalties. Naturally, this is of great importance to fix-and-flip investors.

We allow partial releases of multiple unit properties.

ALERT: Early Decision & Early Action

It's coming up on college admission time. So you need to start thinking about having your students fill out their admission applications. This is a great time to revisit the pitfalls of the "early decision" and "early action" processes.

Early decision and early action are two very misunderstood policies used by colleges to boost their enrollments as early as possible.

These policies make good business sense for the colleges, but do they make sense for you? Unequivocally, NO... and maybe.

Early decision is a legally binding agreement between a college and the student. The student can apply to as many colleges as he or she desires, but they can only apply to one college under the early decision criteria. Students apply under early decision hoping to have an admission decision from the college of their choice as early as possible. If the student is not admitted to the college under the early decision criteria, that students application most often is not reconsidered during the regular admission process. However, if the student is admitted to the college under the early decision criteria, then you have got a really big problem.

Any student that is admitted to a college under the early decision rules, must go to that college no matter what kind of offer they receive from any other college. In fact, most colleges utilizing early decision require students to immediately withdrawal their applications to all other colleges if they are admitted. This is well before you have seen any kind of financial package from any school. Under early decision, you are required to commit to one and only one college before you have any idea what it will cost you to go to school there. Used car salesmen can only dream of a sales tactic that is so underhanded.

Never under any circumstances agree to early decision. If you do, you will lose all hope of negotiating; and you will lose any flexibility of accepting a better offer from another college, even if it was thousands of dollars more.

Early action is a horse of a different color. Early action operates on essentially the same timetable as early decision, but it does not have the negative effects. There is no legally binding agreement between the student and school under early action criteria. However, you need to review the individual school's early action criteria because some schools may withdrawal their offers for admission if action is not taken. Early action notifies students early in the admissions process whether they have been accepted or not. If they are not accepted under early action, sometimes their applications are moved to the normal admissions process.

In many cases, early action does not have negative impacts, but you should always read the fine print.

The bottom line is never put yourself in a position that you have to make a decision to attend a college before you know what it will cost. Otherwise, you are truly buying the proverbial “pig in a poke”. Always wait for the financial award offers before committing to any college.

26 Commercial Property Types Available in All 50 States!

26 Commercial Property Types Available in All 50 States! Wholesale Loans down to $250K to $100+ million with middle score down to 650.

Apartments, Multi-Family 5+ Units
1-4 residential next door to each other adding up to 5+ units
One time close construction to perm Multi-Family properties
Mixed Use as small as one apartment component and one commercial component
Mobile Home Parks 3 star or higher
Single Tenant
Office Buildings
Office Condos
Strip Malls
Retail Shops
Lt Industrial + Warehouse
Auto Service, Tire Shops
Day Care
Assisted Living Care and construction to perm
Flagged Hotels/Motels
Country Clubs & Golf Courses
Funeral Homes
Bed & Breakfast
Grocery Stores
Car Washes
Bowling Alleys
Movie Theaters
Bridge Real Estate Loans from $1 Million to $15 million

Contact James Holmes Directly at 303-350-1768