Home Loans – SPRINGHILL GROUP – Avoid House Loans

12 Dec

http://www.zimbio.com/Springhill+Group+Home/articles/xGwlKXDS0Mi/Springhill+Group+Home+Loans+Avoid+House+Loans

Scams that are perpetrated through in house financing are almost limitless.  Having a house is not just a luxury but it is a necessity. Buying a house is not just an investment but having a place you can call home.  This is a place where you can create memories and a place where you could go home to after a long day, a place where you can be with the family.  A place where you can be stress-free so buying should also be stress-free.  Nowadays it is hard to have one of your own added the trouble of being scammed by people who will do anything just to steal money to others.  Here are some tips to avoid house financing frauds:

Brokers will always find a way for you to extend payment terms.  Pay attention to the actual price and interest rate.  We often take more importance to the monthly rate rather than the actual price, remember it is always better to pay in shorter term; the longer you pay the higher the cost will be.  If ask, “what sort of payment you are looking for?”, he just wants to get an idea of how willing you are to pay so that he can tweak the loan to fit the payment by extending it.

Know your credit score, the scenario often goes like this.  A scam will let you believe that it is bad, he will tell you that he is not sure and he will talk to the manager and let you know.  And of course a few moments later he will go back and congratulate you because the manager granted and wishes to finance you.  They will give you an insanely high rate a 12 – 13 %, when you could have gotten a rate of half that you had financed trough your bank.  They have really approved you trough their bank but probably much less but they charge you above the interest.

Do not fall for “pay no interest for 6 months”, it is a trick!  Because it is definitely untrue, once the grace period is done sure your interest rate would skyrocket!

Fraud on the other hand is also being committed by the barrowers without the realizing it.  The FBI defines mortgage fraud as “any material misstatement, misrepresentation or omission relied upon by an underwriter or lender to fund, purchase or insure a loan.”  Lying about your application falls under the category of mortgage fraud.  Even a tiny white lie wouldn’t do, it is considered to be a mortgage fraud.  But more often than not, barrowers are not aware of this because a real estate professional suggested it’s no big deal. 

 

Springhill Group / Avoid House Loans and Bank Financing Frauds

10 Dec

http://springhillgrouphome.com/2012/11/springhill-group-home-loan-avoid-house-loans-and-bank-financing-frauds/

 

Scams that are perpetrated through in house financing are almost limitless.  Having a house is not just a luxury but it is a necessity.  Buying a house is not just an investment but having a place you can call home.  This is a place where you can create memories and a place where you could go home to after a long day, a place where you can be with the family.   A place where you can be stress-free so buying should also be stress-free.  Nowadays it is hard to have one of your own added the trouble of being scammed by people who will do anything just to steal money to others.  Here are some tips to avoid house financing frauds:

Brokers will always find a way for you to extend payment terms.  Pay attention to the actual price and interest rate.  We often take more importance to the monthly rate rather than the actual price, remember it is always better to pay in shorter term; the longer you pay the higher the cost will be.  If ask, “what sort of payment you are looking for?”, he just wants to get an idea of how willing you are to pay so that he can tweak the loan to fit the payment by extending it.

Know your credit score, the scenario often goes like this.  A scam will let you believe that it is bad, he will tell you that he is not sure and he will talk to the manager and let you know.  And of course a few moments later he will go back and congratulate you because the manager granted and wishes to finance you.  They will give you an insanely high rate a 12 – 13 %, when you could have gotten a rate of half that you had financed trough your bank.  They have really approved you trough their bank but probably much less but they charge you above the interest.

Do not fall for “pay no interest for 6 months”, it is a trick!  Because it is definitely untrue, once the grace period is done sure your interest rate would skyrocket!

Fraud on the other hand is also being committed by the barrowers without the realizing it.  The FBI defines mortgage fraud as ”any material misstatement, misrepresentation or omission relied upon by an underwriter or lender to fund, purchase or insure a loan.”  Lying about your application falls under the category of mortgage fraud.  Even a tiny white lie wouldn’t do, it is considered to be a mortgage fraud.  But more often than not, barrowers are not aware of this because a real estate professional suggested it’s no big deal.

It is actually a big deal, you can be penalize or sued because of it.  The so called “creative financing” went out in the 70’s.  If the lender finds put about you false application, even a tiny detail on it, not only they can demand immediate full payment of your plan but they could ask you to pay 6-figures fines. That is aside from the possibility of being sued for it.

If approached by someone who gives you offer that is too good to be true, most likely it is a fraud.  Being part of a mortgage fraud has it consequences; remember house loans and bank financing frauds are against the law.  Always make your own investigation first before engaging in to businesses and availing plans.

 

Springhill Group About Us: About Us- Birch- Springhill Group – wordpress/stylecaster

17 Nov

http://www.stylecaster.com/post/40669

Set in extensive landscaped gardens, Birch Green Care Home provides high quality nursing and residential care for 74 older people within a warm, homely environment.

Dedicated, highly skilled staff provide a wide range of person centred services including:

  •          respite care
  •          nursing care
  •          residential care
  •          care for people with dementia
  •          end of life care
  •          day care

The purpose built home, which first opened in 1990 and came under Springhill management ten years later in October 2000, has undergone extensive refurbishment and the addition of an extra wing.

see more:

http://www.springhillcare.com/birch-green-care-home/about-us.html

http://blazetheodore.buzznet.com/user/journal/17299182/springhill-group-about-birch-green/

Springhill Group Care About Us: About Us – baileywilliams

14 Nov

http://www.springhillcare.com/birch-green-care-home/about-us.html

Birch Green Care Home, Skelmersdale.

Set in extensive landscaped gardens, Birch Green Care Home provides high quality nursing and residential care for 74 older people within a warm, homely environment.

Dedicated, highly skilled staff provide a wide range of person centred services including:

  •          respite care
  •          nursing care
  •          residential care
  •          care for people with dementia
  •          end of life care
  •          day care

The purpose built home, which first opened in 1990 and came under Springhill management ten years later in October 2000, has undergone extensive refurbishment and the addition of an extra wing.

Birch Green is proud of its holistic, person centred approach to care and the people we support are encouraged to make the most of an extensive social programme drawn up by its permanent activities co-ordinators. Entertainment includes regular concerts, tea dances, quizzes, discussions and outings to local places of interest.

A committed staff team – whose members are all encouraged to undergo extensive ongoing training – achieved the prestigious Investor in People award in September 2001.

Residents can relax in their comfortable single rooms or in attractive communal lounges and a sunroom on the ground floor. For those who enjoy the fresh air, there are pleasant patio areas outside in the gardens.

Situated just one mile from the centre of Skelmersdale and on a main bus route, it is convenient both for visitors and the nearby Concourse shopping centre, where able residents regularly enjoy escorted visits

 

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14 Nov

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