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Poor dog left to die in a trash bag, the shelter do not pick up deceased animals that it's waste

A second mortgage is a secondary loan secured against a property. If this loan goes into default, the initial loan must get paid off first. These loans are taken for a variety of reasons and are commonly used as a source of emergency funding.

A mortgage can either be taken out as an installment loan or a revolving line of credit. In all types of home loans, the homeowner puts up equity in the property as collateral. For an installment loan, the loan must be repaid in fixed amounts over a fixed period of time. A line of credit on a home is similar to a credit card, but it is secured by the equity in the home. Home equity is typically the main factor for financing approval but in many cases, a high credit score improves your chances of being approved. This kind of loan is worth considering if one needs to borrow a large sum of money at a low rate.

How to qualify for a second mortgage

Lenders have different methods of assessing loan applications but it basically involves analyzing the homeowner's equity, job history and credit score. Lenders must see that the applicant has ample credit score as well as sufficient equity in order to approve a loan. If a client's credit score is below the banks' requirements, they can only get the assistance of private lenders who prioritize home equity more than one's credit score. Private mortgage lenders will divide the value of a property with its debts to get a metric known as LTV. The result should be 85% or less to get a mortgage as the lenders are sensitive to low equity amounts. Lenders have a high chance to lose their investment on high LTV mortgages if the loan goes into default. While equity is important to private lenders, some also consider job history.

Uses of a second mortgage

There are no restrictions to what you can do with the money so mortgages are preferred by customers to handle various financial obligations. People have several ways of spending the money but mainly:

• Paying off Debts: You might have a number of high-interest loans bogging you down each month. Instead of trying to keep up and risking penalties, you can get a new mortgage to pay off multiple loans and pay lower monthly rates.

• To keep up with debt payments: The second mortgage allows homeowners to avoid defaulting on their other loans. The money can also be used to bring an existing mortgage back into good standing if the homeowner has defaulted on their first mortgage.

• For home improvements and repair: A property secured loan can be helpful if you need to repair or make home improvements. Repairs and renovations ultimately increase the value of a property and allow you to sell it at a better price than similar properties. Extra equity gained from strategic home repairs could also qualify you for affordable loans in future.

Second mortgages are a good low-interest way to gather money

In summary, a second mortgage is a flexible financial tool and can be tailored to address a person's unique needs. It makes sense to have a single secured loan at low interest other than multiple credit cards with high monthly interest rates. To gather emergency funding, you can get the cash needed. Unlike credit cards, mortgages are an ideal low-interest way of getting money for university tuition, remodeling a home, paying emergency medical bills or funding a business. These types of loans may come at slightly higher interest rates compared to first mortgage but they are certainly cheaper than credit cards and unsecured loans.

It's time to blast a few companies on here one they've been many of us who have been trying to get this poor dog picked up who was left in a trash bag on Nicole right before Pat in the back of Avondale.

I called the shelter this morning and I was told by someone on the phone that they do not pick up deceased animals that it's waste connection who picks that up aka the garbage truck the lady at the shelter on the phone was nice enough to give me two numbers for Waste Connections which is the company that was supposed to come out to pick up this poor dog.

However when you call their phone numbers one number just rings and hangs up on you the other number tells you to stay online that they're busy answering other calls and then hangs up on you the first number that I was given is 504 731-4614 the second number I was given is 1- 877- 747 -4374.

I guess no one cares that there's a school not far from where this dog is I guess my next call should be to six on your side seeing how no one seems to care. I live back here in Avondale and I've been told that there's people back there who steal your dogs and use them in the dog fighting ring that's back there I'm so mad.

Rita Fleming
While there are many challenges, in terms of effectively selling a house, it must be recognized, most potential buyers, are only able to afford, buying a home, by taking advantage of acquiring a mortgage! We often discuss the need to assure, a potential buyer, possesses a quality credit rating, in order to qualify, as well as have proven, a responsible approach to taking care, of his personal finances, and obligations. However, one potential, stumbling block, which is often overlooked, is whether the subject property, will be assessed, for a high - enough, price, so a lending institution, will often the most favorable loan! Unfortunately (but the reality is), the appraisal process and procedure, is far from perfect, containing flaws, which sometimes creates, undesirable challenges and/ or obstacles! This article will briefly examine 5 of these possibilities, which might negatively impact, a potential transaction.

1. Price higher than what the market, indicates: There are times, when a buyer, either because he doesn't know the marketplace, or loves a particular home, offers considerably more than what the market, might dictate. When the lending institute assesses the house, it shows a lower value, and thus, the LTV, or loan - to - value, ratio, creates resistance to obtaining the best terms, or, even, the loan, at all. A prepared buyer understands this, and, if he stills wants the house, should put considerably more down, so it doesn't become a negative factor!

2. Wrong "comps": There are times, when an appraiser, improperly, under - values, a subject property, because he, either uses the wrong properties, to compare the home, to, and/ or, is not fully familiar with the local real estate market. Beware if the assessment compares a Colonial style house, to Capes, etc. Look closely at the characteristics of all properties, and, either the buyer, and/ or his real estate agent, should help, guide the assessor, to the most appropriate houses.

3. Appraiser doesn't know local market: Every real estate market has certain specific characteristics, and, in some cases, there may be several micro - markets, even within a local area. If the appraiser isn't familiar, he may compare a house in a more desirable market, to one, in a less valuable one. Remember the edict, Location, location, location!

4. Errors: Check carefully, to discover and learn, if there are any errors, involved, in describing the features, etc, of the subject home (yours). Typical areas to check, include, conditions described (windows, doors, HVAC, bathrooms, kitchens, patio, deck, etc). Has the appraiser subtracted when he should have added, etc? Remember, if you believe there's an error, you have the right to contest it!

5. Inaccuracies: Is lot size, properly listed? Has only the size mentioned, even if one lot, is fully usable, when another is not? Have any of the competitive ("Comps") properties, overlooked the condition of another home, and its impact, etc.

While the appraisal process is important and essential, potential homebuyers should beware, they are not necessarily accurate or complete. Either, you or your agent, should contest any inaccuracies!