Refinance home mortgage calculator

Fix Your Bad Credit With A Mortgage Refinance Loan
By Jim Ferris

If you own a home, have a first mortgage and a slew of high rate credit cards you probably would be wise to refinance all your debt. Right now rates are still relatively low.

If your credit history is bad, you will pay a rate that s higher than someone with excellent credit but deal with a group of lenders that specialize in bad credit loans. You ll do a lot better with them than your average national or local bank.

If you already have a home equity loan there may be still be enough equity in your home to consider refinancing all your debt. As the housing market softens this may be a window that is closing so you need to act now. In a refinancing scenario the debtor pays off the high interest bills using a refinancing plan with a cash out feature. Cash at closing is used to pay off all the high interest credit cards and while the interest rate on the bad credit mortgage refinancing loan may be higher than that of a conventional loan, the new house payment should still be less than the total of all the previous debt regardless of source.

Bad credit mortgage refinancing to pay off high rate debt can be labeled a debt consolidation loan and is only possible if the value of the home being refinanced has appreciated enough so that the home s appraised value will justify a larger loan. The new loan amount has to be capable of handling the debt being refinanced as well as closing and other costs in the transaction. Be aware of all the implications before signing any intention or agreement.

The advantages of bad credit mortgage refinancing are several. First, the term of the loan will be longer and with a bit of luck the total payment every month will be smaller than the previous total of the old house payment and all the credit cards.

Now here s a new golden rule - don t fall prey to leaving those credit cards open after the new loan is consummated and then gradually running them back up again. The next step is bankruptcy or foreclosure so be smart this time and cut the darn things up as soon as you pay off the balance.If you are not strong enough to do this on your own, then you better get a debt counselor and fast, you probably are addicted and need professional help.

Jim Ferris is a seasoned advisor to those with poor to bad credit. When you face difficulty with financing and are looking for lenders who specialize in borrowers with poor credit history for mortgages, consolidation loans and other high risk vehicles you ll find the answers you need given by Jim and his colleagues at http://www.badcreditovercome.com

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Refinance Tips for Increasing Your Credit Score: Equity Loan Advice for Getting Low Rates
By Dana Jagodnik

Your credit score, based on your credit report, basically shows lenders the likelihood that you will repay what you owe. The higher your credit score the easier it is for you to qualify for loans and the better the interest rate you will be offered. However, if your credit is not so perfect, there are ways to improve your score. One option available to you, which can rebuild your credit is to do a refinance. Refinancing with a home equity loan will allow you to pay off those high balances and high interest accounts that have a negative impact on your credit history. Consolidating debt is the closest thing to starting from scratch and can often be a better move than creating new accounts and adding more debt to your history.

Your payment history is one of the most important factors of your credit score. Lenders will look to see that payments are being made on time, that you’re making at least your minimum monthly payments, and are not missing payments. Through the course of a refinance it can be a good idea to pay off accounts with late payments, bankruptcies, or collections to improve your fico score.

Lenders also look to see that your credit limits are not maxed-out. Avoid carrying a balance that are more than 80% of your credit limit because creditors may view your high balances as excessive debt that you may not be able to stay current with. Therefore, during the course of a refinance it’s a good idea to pay down and consolidate any debt that you can. The smaller the balances you keep the more it will reflect positively on your credit score.

After you have finished your refinance your work is still not done. You might have consolidated all your debt into your mortgage but your mortgage and other payments still have to be made. Make sure to make regular and timely payments to any creditors that you have left. This is especially important for you mortgage, which is probably one of the most highly weighted parts of your credit history.

It takes some time for your new credit history to gain momentum. With patience and timely repayments, you will likely be able to build a new credit history that creditors will look upon favorably when making decisions about your ability to handle even more credit. Make sure to apply for new credit sparingly. Shopping around for credit can have an adverse affect on your score, especially during the course of a refinance. Each time you apply for new credit and that company checks your report, an inquiry is added to your credit file. Too many inquiries can be seen as an indication that you have had trouble getting new credit or could be overextending yourself.

Don t close unused credit card accounts near loan time. If you have several credit card accounts but are only using a few of them, you ll only raise your balance-to-limit ratio if you close the unused ones. You also shouldn t open new accounts when applying for a loan if possible. If you have a short credit history or very few accounts, opening a new credit line may lower your score since you don t have a proven track record. What s more, a new account will lower the average age of your accounts, another factor in your credit score. Lenders will often look for 3 established trade lines to see that you can manage your credit and pay accounts off in a timely manner.

Dana has written many mortgage and real estate articles over the years. You can read more mortgage related loan articles at Mortgage Refinance & Debt Consolidation and learn more about refinancing equity loans even if you have less than perfect credit.

To get more free 2nd mortgage & refinance tips, please visit Bad Credit Second Mortgages. More credit resources can be seen at National Credit Score Index.

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Refinance & Bad Credit Mortgage Advice: Correcting Your Credit Report
By Art Nourian

Cleaning up your credit report is one of the best ways to secure your ability to always qualify for the best financing options that get you the lowest interest rates. Correcting your credit report can significantly increase your fico score, as well as eliminate the need for credit explanations, every time you refinance or use your credit to finance something. According to the FCRA, both the CRA and the organization that provided the information to the CRA, “such as a bank or credit card company, have responsibilities for correcting inaccurate or incomplete information in your report.” To protect your rights under the law, we suggest that you contact both the CRA as well as the provider for credit information.

In the letter, inform the CRA specifically what information you believe is inaccurate. Include copies of documents that support your position. In addition to providing your name and address, the letter should clearly make out each item in your report you dispute, state the facts and provide an explanation as to why you dispute the info, and notify them that you are requesting that they delete or correct to reflect an accurate reporting. Always mail your letter certified with return receipt requested, so you can document what the CRA received and of course always make copies of your letter.

“CRAs must investigate the items in question, usually within 30 days, unless they consider your dispute frivolous.” They are also required to advance all relevant data you provide regarding the dispute to the information provider. The information you can provide the better for dispute your credit with the CRA. They must investigate, review all relevant information provided by the CRA, and report the results to the CRA. If the information provider finds the disputed information to be inaccurate, it must notify all nationwide CRAs so they can correct this information in your file.

The key for cleaning up your credit report and increasing the score is verification. Remember that any information that cannot be verified must be deleted from your file. The good news is that cleaning up your credit can help you qualify for a low interest rate for home equity loans, mortgage refinancing, and equity credit lines.

Art is a critically acclaimed writer, who has published many helpful articles mortgage realated topics. Over the last few years, Art has been a mortgage consultant helping train loan officers for some of the nation s top mortgage companies. If you would like to read more helpful articles online, visit Nationwide Mortgage Refinance. To get more advice & finance tips, please contact go online to learn more about program updates and the approval process for Second Mortgages and Bad Credit Mortgage Loans.

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Washington D.C. Refinance Loans Up to 125 Percent LTV
By Sharon Listner

Whether you refer to the Nation s capital as Washington D.C. or District of Columbia - both names evoke a region of the country that stands apart. Most homeowners in the Washington D.C. metro area including the District of Columbia, Maryland and Northern Virginia have a lot of equity in their homes due to astronomical increases in home values.

In some cases, homeowners who were having new homes built, saw a 10% or 20% appreciation in their home s value before they even moved into their new homes. Though the appreciation in home values have stabilized somewhat, there is still tremendous untapped equity.

With persisting low interest rates available, homeowners can tap into the equity in their homes to finance their children s education, weddings, home improvement projects, continuing education, travel, credit card debt consolidation, etc. Whatever the reason may be, having equity in your home is a good thing and can help you navigate a rough patch.

Types of Refinance Loans.

Cash Out Refinance - A Cash out refinance loan replaces your existing mortgage loan with a new mortgage loan. These loans are good for homeowners, who prefer to take cash out of their homes but still have only one mortgage loan.

Home Equity Loans - A home equity loan is a second mortgage loan that allows you to take cash out of your home and make fixed monthly payments until the equity loan is paid off.

A Home Equity Line of Credit (HELOC) - A HELOC is a line of credit, just like the one that your credit card company provides you. You can get a line of credit for $50,000, spend $25,000 of it and still have $25,000 left. If you repay the $25,000, your equity line of credit goes back to $50,000. HELOCs offer flexibility and ongoing credit, if you need a line of credit opened for unexpected expenses.

A 125% LTV (Loan-To-Value) Refinance loan allows you to maximize the amount of cash that you can take out during the refinance process.

Get more information about Washington D.C. Refinance Loans at the http://www.kstreetloans.com. Loans offered include 125% LTV Cash out refinance loans, home equity loans, HELOCs and Debt Consolidation Loans. Bad credit refinance loans also offered.

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Car Loan Refinancing - When To Refinance Your Car Loan
By Carrie Reeder

Want to save money? Lower your monthly payment? Then refinance your old car loan. Trade in your high interest rate loan for a lower rate, especially if your credit score has improved. You can also lower your payments by extending your loan terms, helping your cash flow.

Trading In High Rates

When rates drop, refinancing makes sense for both mortgage and car loans. Factor in the length of the car loan though when deciding whether to refinance. If you only have a year left on loan payments, then it won’t save you money to refinance since you have paid most of the interest up front.

You can also reduce your interest costs by refinancing for a shorter term. Reducing your loan by two years can easily shave over a thousands dollars off your interest charges, even with the same rate. Once again, you need to look at how long you have left on your original car loan to be sure you can save money.

Better Score, Better Rates

If you have improved your credit score since you first secured your car loan, you may find savings in better rates. So even if rates haven’t dropped for the general market, you may still qualify for better rates.

Besides making regular, on-time payments, you can improve your score by reducing your debt ratio. Your score also improves when none of your accounts are maxed out.

Lower Payment, Longer Term

Reduced rates aren’t the only reason to refinance. By rolling over to a longer term, you can reduce your monthly payment. Just remember that in the long run, you will be paying more for your car loan. However, when finances are tight, this option can keep you from defaulting on your loan or other bills.

Before jumping into a refinancing deal, be sure to investigate financing companies. Compare their APR, ask for free quotes, and read the fine print. Also check with your original lender to be sure there are no early payment fees. The best refinanced car loans are the ones where you save money. Taking the time to research financing offers will ensure that you find just such a deal.

To view our list of recommended auto refinance lenders online, visit
this page: Recommended Auto Refinance Lenders Online.

Carrie Reeder is the owner of ABC Loan
Guide, an informational website about various types of loans.

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After Bankruptcy Mortgage Refinance - Part 2 - The Postal Worker Falls Asleep…
By L. W. Seals

Part 2: After Bankruptcy Mortgage Refinance - Months had gone by, and everything seemed to be going so well. Steve s wife Deborah was getting closer to having their second child. Besides her odd appetite and occasional mood swings, life was almost perfect outside of the day to day issues of politics and other drama throughout the world.

Their young son was now 4 years old, and he began to have interests of his own. His parents noticed he had a thing for the piano and started to take him to piano lessons a few times a week. The lessons were not very cheap, but this was simply an investment into their young son s musical interests. He enjoyed playing the piano, and he actually was pretty good at it. This was the perfect age to allow his inner musician to blossom to it s fullest.

One morning, Steve was on his way to work with his usual cup of coffee and a bagel. While scanning the radio stations, he heard some radio guests talking about the real estate market, and because of the way the economy was changing, there were possibilities that home owners with adjustable rates could see increases. It did not mean much to him, because the tone of the guest on the radio show sounded pretty confident that this would only be in rare cases, and there were no reasons for homeowners to panic at the present time. Steve and his family had a little more money saved up than before, so this was even more of a reassurance for him to feel good about his situation. He turned the station to his favorite jazz channel and really thought nothing else of the matter.

When he arrived, he couldn t help but overhear a couple of co-workers also talking about real estate and the increasing interest rates. Was this something more serious than he d thought? He hadn t usually joined the conversations his fellow employees were involved in, so he did not join in this time either. However, he listened a little more closely to see if he heard anything that could be of significance to him and his family. He wasn t necessarily worried about it, but maybe a little curious.

To be continued…

Bio: L. W. Seals (Millennium Products) is a creative writer/researcher. Whenever you need up-to-date mortgage info., tips strategies, secrets, or stories, feel free to visit the Ultimate, Super, Fantastic, Mortgage…Resource Blog! See: After Bankruptcy Mortgage Refinance
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Can I Refinance My Mobile Home?
By David Faulkner

Not everybody lives in a regular home, some people live in manufactured homes. These are mobile type homes, but people live in them every day. Many people don’t think that they could possibly refinance their mobile home because it’s not bricks and mortar.

Well, fortunately it is possible to refinance many mobile homes. The majority of lenders consider these manufactured and mobile homes to be exactly the same as a regular house, therefore they are willing to consider financing or refinancing your manufactured home.

There are a couple of reasons why you might want to refinance your manufactured home, including:

• Getting a lower interest rate

• Reducing your monthly payments

• Consolidating your debt

• Paying for something else (e.g. College, car, or even maintenance).

Refinance simply means that you take out a new loan which will pay off your current loan, this is essentially how it works when refinancing your mobile home. The idea is to get better terms, which will hopefully save you lots of money in the long run since you should be paying less each month for your loan.

The key area of interest is the interest rate, if you can find a loan with a lower interest rate then this will lower what you have to pay each month. This will allow you to have more money left over each month for things that you might want to do.

It is also possible to refinance your loan in the other direction too, if you have come into more money then it is possible to restructure your loan so that the length of your loan is shortened. This is helpful because it will mean that you can pay off your loan much sooner.

You can normally get financing for your manufactured home whether it is built on a mobile home park, or on private land. However because these are not considered as normal houses the rules governing the financing of mobile homes will change depending on which state you are in. You should be able to find a knowledgeable lender who will be able to assist you with this.

You will be required to pay the closing costs, these are the same as when you took out your existing mortgage. You can either pay these costs up front, or also have them included in the finances. This will help to reduce the amount of money you will have to spend up front.

You can also purchase points from the lender, these will help to bring down your interest rate. Points are fees that you can pay up front to your lender, the value of each point depends upon the size of the loan. A point is normally a proportion of the amount borrowed. Normally 1 point is seen as 1% of the total loan, therefore if you borrow $100,000 one point will be considered as $1,000.

There’s not much difference when refinancing a manufactured home than when refinancing a conventional bricks and mortar home. There are of course a couple of differences, but as far as most people are concerned it’s identical.

Make sure you find a good lender who will be able to point out any pitfalls that you may fall into, whilst also being able to give you good advice. Any good lender will be more than willing to help you through the process of refinancing your home.

You can also find more information at refinance mortgage interest rate and Purchase Points When You Refinance. Mortgagerefinanceloanhelp.com is a comprehensive resource to get help in Mortgage refinance Loan.

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Get A Home Loan Or Refinance Without Liquidating Your Investment Assets
By Darren Meade

When it comes to financing a home, borrowers often liquidate personal investments to come up with a down payment. The problem with this strategy is twofold. First, liquidating marketable securities can carry with it the penalty of paying capital gains taxes on any appreciation of those securities, and second, liquidated securities are no longer working for the investor/borrower. While liquidating assets from an investment portfolio is an option in coming up with a down payment on a residential real estate acquisition, it is often not necessarily wise, nor is it always necessary. Today, there are mortgage lenders who offer a mortgage financing product known as a pledged-asset loan, which may be ideal for you.

Basically, a pledged-asset loan is a loan product in which a mortgage lender allows a homeowner to pledge eligible securities instead of making a cash down payment. In short, after qualifying for the loan, homeowners can finance up to 100 percent of the purchase price of their homes or even acquire a cash-out refinance up to 100 percent of the appraised value of their properties without liquidating their investment assets. There are four main reasons that many homeowners have found pledged-asset loans to be more attractive than making down payments. They include the following.

1. Avoiding the capital gains tax that would come from selling marketable securities

As anyone with an investment portfolio knows, paying a capital gains tax even at the long-term rate of 15 percent can be costly and painful. And, of course, the tax liability can be significantly greater in the case of short-term gains in an investment portfolio. For borrowers seeking to finance a home without paying Uncle Sam any more than is necessary, the pledged-asset loan can be a particularly wise financing choice.

2. An investment portfolio that continues to appreciate and provide income

There’s a popular tale that Einstein was once asked what the most powerful force in the universe was, and his reply, which probably came as no shock to financial planners, was compounding interest. Like Einstein, savvy investors know that there is an opportunity cost to liquidating assets too early. Funds withdrawn from a securities account are, by definition, no longer at play in the market. In a bull market, these opportunity costs can be huge. A pledged-asset loan is often the most sensible choice for borrowers who’d like to finance a home while keeping their investment accounts growing.

3. No requirement for private mortgage insurance

Private mortgage insurance (PMI) is required on mortgage loans where the loan-to-value (loan amount divided by the property’s value) exceeds 80 percent. PMI is expensive, but with a pledged-asset loan, it’s not needed. Borrowers can pledge securities to reduce their effective loan-to-value to a percentage below 80 percent and eliminate the need for PMI.

4. Higher deductible interest payments at tax time

It’s hard to believe, but mortgage interest is one of the last tax deductions available to the average American. Up to a point, the more interest a homeowner pays on his mortgage, the greater the annual interest deduction he can make come tax time. By using the pledged-asset loan product, homeowners maximize their interest costs and thereby get the greatest tax benefit. How pledged-asset loans work

With a pledged-asset loan, homeowners can typically pledge their marketable stocks, bonds, mutual funds, money market accounts and/or certificates of deposit (CDs). However, retirement accounts are not eligible.

Once the borrower and lender agree on the securities to be pledged, the borrower puts his assets into a margin account with a brokerage firm. Some lenders also allow homeowners to trade inside their pledged accounts as long as the borrower maintains the minimum balance required. The value of this account must be equal to the required down payment, plus a margin typically 130-150 percent of the base pledge amount to protect against changes in the market value of the pledged securities. However, the margin may be increased or decreased based on the type of assets a borrower pledges. For example, a lender may not require a margin at all if a borrower pledges cash or cash equivalents, like CDs.

Typically, pledged assets must be securities issued by large, publicly traded companies, have a trading price of at least $5 per share and cannot be shares owned in a retirement account. Finally, the pledge account must be maintained at or above a certain level. If an account falls below the minimum, the lender will call upon the borrower to make up the difference.

Pledged-asset loans by the numbers

A pledged-asset loan can be an excellent mortgage product for the homeowner who expects that his investments and tax savings will be greater than the interest to be paid on the amount of the foregone down payment. Simply put, if a homeowner can borrow mortgage funds at 5.5 percent and keep his investment portfolio intact, earning more than 5.5 percent in that portfolio, then he will have benefited from a positive arbitrage situation.

For borrowers considering a pledged-asset loan, there’s a simple formula to determine if it makes sense for them. Using annualized interest rates, borrowers should take the expected percentage return on their pledged assets that will remain invested (instead of being liquidated to pay for a down payment on a home) and subtract the interest that will be paid on the amount of the loan that represents the foregone down payment. If the result is positive, then the homeowner should explore a pledged-asset loan as a financing option. But pledged-asset loans shouldn’t be considered as a vehicle for just financing ones personal home. For many fans of pledged-asset loan products, these mortgages have been used as a means to help their adult children get into a home or even assisting their own elderly parents in buying a unit in a retirement community. By simply placing their marketable securities into a lender-approved margin account, many baby boomers and people caught in the so-called sandwich generation (adults with elderly parents and young children) can provide for their loved ones without liquidating their assets. Best of all, its not necessary for these borrowers to cosign the loan with the persons they are assisting they only need to help provide the assets that replace the down payments. And remember that some lenders allow the owner of the pledged account to trade inside the account, as long as he maintains the minimum required balance in that account.

Not surprisingly, pledged-asset loans are also popular among homeowners looking for innovative and financially savvy ways to finance a second home or investment property. While these borrowers may not enjoy some of the same tax benefits from a second home as they would from a primary residence, the pledged-asset loan often plays a significant role in acquiring additional investments without having to liquidate assets.

In summary, the pledged-asset loan is a solid financial planning tool that can benefit several different types of sophisticated borrower. It can be a great tool for homebuyers and their financial planners who are seeking the most advantageous times to liquidate assets in order to reduce mortgage debt. It can also offer borrowers the opportunity to postpone liquidating assets until the time that such action fits their overall financial goals. However, pledged-asset loans should not be used for the purpose of over-leveraging the homebuyer. They are merely loan products that will allow homeowners to maximize the benefits of their investment portfolios and be able to more appropriately plan their overall financial strategies.

Darren Meade is a National and Local Real Estate Expert. He can be reached for consultations at
949 499 1785. He is the CEO & President of Victory Mortgage Lenders.

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Refinance a Second Mortgage - You May Save Big Money Every Month
By Steve Faber

There are many thousands of homeowners in America that have more than one mortgage. If you’re one of these homeowners, you may have wondered about refinancing your second mortgage. Can you refinance it, and if you can, should you? As with many financial questions, the answer to your refinancing question may be simple to answer, or it may be a bit more complex. It all depends on your particular financial situation.

First of all, if you have a second mortgage, many lenders will try to get you to combine your mortgages when you refinance. That’s great for them. They get a larger loan on their books that way. It may or not be the right course of action for you, however. It depends upon the terms and balances of both your mortgages weather you should combine your first and second mortgages when refinancing. If your first mortgage has a low rate it may be better to just keep it as it is. If you have an ARM, you may want to combine the first and second when you refinance to avoid interest rate adjustments that you are going through on your first.

If you have accumulated sufficient equity in your home, you can refinance only the second mortgage. You’ll have to find the right lender, however. Usually you can use one of two options. You can either get a home equity line of credit or a home equity loan to pay off the second mortgage. The plus to the HELOC is that you have reserve cash available to not only pay off the second mortgage, but use for other purposes as well. Many have debated the merits of this approach, as some feel that having a large amount of free cash lying about is a temptation to fritter it away on depreciating assets such as cars, boats and vacations. Well, the last one is only an asset in your memories.

What you won’t have to debate however, is that you won’t have to pay interest on any portion of a HELOC until you actually take out the cash. The interest rate is usually higher on a home equity loan than on a HELOC too. As of this writing, a $50,000 HELOC had an interest rate of 1.11% lower than a loan. You can see you can save money two ways here. One, you don’t have to start paying interest on the money until you actually use it, and if you don’t use it all, you don’t have to withdraw it (so there’s no interest charged to that portion). Two, you get the money at a better rate. Your actual interest rate will be based on your credit score, income and other factors. That being said, it’s wise to make sure your credit score is as low as possible before you embark on this venture to help you pay the lowest interest rate .

So, if you are paying a comparatively high rate on your second mortgage, you should examine the possibility of getting a HELOC to refinance it. You could save substantial money if your current interest rate is high enough, and you could use some of the money to improve your property, thereby further increasing its value and your equity. If you pursue this however, make sure you shop around for the best rate. You should also try to negotiate interest rates and the fees you’ll be charged for the HELOC. You could end up in a much better financial position.

To avoid being left behind, possibly save substantial money every month, and discover what you need to know about refinancing your first or second mortgage with bad or great credit, go to the second mortgage refinance guide. There are many lenders that will refinance your mortgage and many options when you refinance. A bit of knowlege now can pay huge dividends when, or if you decide to refinance.

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Helpful Auto Refinance Information
By Shelley Green

Auto refinance is where you take out a new loan to pay off your current auto loan. When you do this you will normally look to get a better loan. This generally means getting a lower rate of interest which makes the loan cheaper. You may also look to extend the term of the loan to reduce the amount required to be paid each month. This does not reduce the cost of the loan but will make the monthly payments more manageable.

If you have a low credit score for example one that is around 600 or lower then you will need to shop around to get a good loan. You will have to undertake research and the best way to do this is use the internet. It is usually a lot cheaper and quicker than calling individual auto finance or auto refinance lenders. If you find a loan you like then you can normally apply on line and get a response within a few days.

You can search for companies that specialize in auto refinancing. There are many out there who will give a good deal to those who pay on time. The specialist auto finance and auto refinance sites often have calculators that allow users to compare payments for loans of different lengths and at different rates of interest.

Auto refinance calculators will often require you to input the details of your current auto loan so it is usually a good idea to have the paperwork to hand. You will normally need to specify the amount required to pay off the loan and the number of months left on the current loan. When calculating the outstanding balance on your auto loan pick a day 10-14 days ahead. This allows a week or two for the auto refinance loan to be granted.

While calculators are useful in giving the user an indication of the cost of the loan, it should always be remembered that there are other factors to take into account when looking for a loan. So if you are going to take out an auto refinance loan, read the terms and conditions. Pay particular attention to those which cannot be mathematically calculated and therefore do not get taken into account by the calculator.

If you are looking to get an auto refinance loan then you may look at getting a personal or unsecured loan from a financial institution such as a bank. Banks are often stricter than other lenders when it comes to the criteria for qualifying for a loan. However, if you already have a relationship with a bank, such as a current account, checking account or saving account, then it can help enormously and give you a better chance of obtaining a loan.

Shelley Green is the owner of http://www.car-loans-click.com, a site that specializes in Car Loans. Shelley Green is also the owner of Loans Click and Refinance Click.

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