Skip to content Skip to sidebar Skip to footer

The heartbreaking reality of a final goodbye ...


For a 5 years old male germ shepherd, the days don’t seem like they will get any easier. His owner didn’t want him anymore, and so he gathered all of his toys, and his beloved dog bed, loaded him into a car, and mercilessly surrendered him to the Lancaster Animal Care Center.

5 years old GSD, who at his young age seems to sense that the stakes are high, can often be found tucked away shaking in his favorite bed, cowering in fear from the noise and chaos that is the Lancaster Animal Care Center. When the lights go out, and everyone goes to sleep, soft and subtle weeping could be heard coming from his kennel space. He cries himself to sleep every night wondering what on earth he did to deserve his new fate. Sad indeed.

Lancaster CA - #A5383533
I don't have a name yet and I'm approximately 5 years old male germ shepherd. I have been at the Lancaster Animal Care Center since August 25, 2020. You can visit me at my temporary home L404.

Available for Adoption Date
August 29, 2020

Lancaster Animal Care Center
5210 West Avenue I, Lancaster, CA 93536
(661) 940-4191

Fidonation, if you or someone you know is interested in giving this pup the forever family he rightfully deserves, please contact the Lancaster Animal Care Center - (661) 940-4191, and reference the shelter ID #A5383533.

STATUS : - please call the shelter

Speak Up! please share this story on Facebook or Twitter so we are closer to finding this terrified soul a home. We have done it so many times together, and can certainly do it again. Thank you!
Finding the Best Lender for Your Home Loan

You don't have to settle for the first lender you talk to when you are getting a mortgage. The truth is, you need to shop around to find the right group. It is the only way you can be certain that you get the best rate and customer service.

Do Your Research

When you are starting out, you need to talk to several banks and lenders. You can do this by starting out with a broad online search to see what is available to you. You can then narrow your results by seeing what they offer and what you are comfortable with. Each bank is going to offer different rates and closing costs. You should find out what these are and figure out what works best for your budget.

You should also talk to your bank and find out what they offer current customers. In some cases, they give current customers a better rate or lower closing costs than they do for non-customers.

Once you have the best rates picked out, talk to the company and see what type of deal can be worked out. You may also consider buying points against your mortgage, as it may lower the interest rate a little. Yes, you'll be paying more money up front, however, it could be a cost saving move over the life of your loan.

Interview Prospective Groups

You should always interview your prospective mortgage lender. You need to ask the person you deal with about his or her experience and qualifications before you do business. Don't be afraid to ask for references so you can see how their past customers felt about doing business with them.

While you want to know about your contact within the company, you need to know just as much or more about the business as a whole that is giving you the loan. Do a thorough background search on the company and find out what their reputation is. Check with the Better Business Bureau for some unbiased reviews and information on the lender.

Referrals

When you are starting the process, ask friends or family members who they used to finance their mortgage. Ask them not just about their experience during the buying process, but also any experience they've had since closing. Ask about their customer service and if they are trustworthy. You can find out if the companies they went with are worth looking into further.

If you're still not sure, talk to your real estate agent. He or she will have a lender list that they will gladly share with you. There are many times that your agent can help you find someone reputable who they've worked well with in the past.

No matter which lender you choose, you should always make sure to read the fine print on all documents before you sign anything. When you've found the home of your dreams and you've negotiated the purchase price, ask for a good-faith estimate of their closing costs. Most will cost between $3,000 and $4,500; any company demanding significantly more than this should be reconsidered.

When it's time to buy a house, you will need to arrange affordable financing. When assessing mortgages, many factors are at play and can impact the terms, making them more or less advantageous for the creditor. Future homeowners need to be aware of common concepts that impact the process, such as interest rate, closing costs, and points.

Overview of Loans

There are several residential and commercial loan options for buyers. A fixed mortgage involves payments and interest that will remain the same for a specific number of years, often 15 or 30. At the end of the term, you will have paid back the entire amount borrowed. Adjustable-rate mortgages have interest rates that change at specified times throughout the duration of the loan. This financing option often involves a lower initial rate, but it could go up or down depending on market trends. Another type of financing involves a short-term balloon loan for a fixed period of time. At the end of the term, the balance will be due, or the borrower will need to refinance.

Know Your Credit Score

Before you approach a bank, it's advantageous to know your credit score. The type of financing you will get partially depends on your credit score. People with better credit usually receive better offers from lenders. The best time to check your own credit score is several months before you plan to approach lenders. This time frame allows you to make adjustments and potentially improve your score before you contact lenders.

If you have a score of at least 720, you should be able to qualify for lower rates. A score of between 780 and 850 is very high, so you should anticipate the best terms available from lenders. Scores between 620 and 720 are not as good, but you should still qualify for a loan. Numbers between 580 and 620 are considered low. A score in this range will probably result in higher interest.

Contact Lenders

Once you have a firm idea of the types of mortgages available and you know where you stand with your credit, you will be ready to contact lenders to find out what type of financing is available. Different types of lenders exist, including commercial banks, mortgage companies, brokers, credit unions, and thrift institutions. Rates will vary depending the type of lender, so it's important to shop around. Questions to ask include:

- What are all current interest rates available? Are these the lowest at this time?

- Is the rate fixed or adjustable?

- If adjustable, how will the terms vary?

- What points are you currently offering?

- What fees are associated with the loans?

- What down payment is required?

- Is insurance required? If so, what would be the total cost?

After gathering information from various lenders, you will be ready to compare various options to find the most advantageous terms. Don't forget the possibility of negotiation to get the best deal.

When considering mortgages.