Small business owners now have a wide variety of credit cards to choose from, and it makes it difficult to choose the best one for your small business. As a small business owner, you will need to decide which features you think that the company will use most often, and if they are worth using and having, before applying to a card. Many of the credit card companies now offer many attractive tools that can and will help each small business owner in their everyday spending and tracking. Also remember that it is harder to keep getting credit cards after the first couple, so choose wisely when choosing business credit cards.

Should you pick a business card that offers rewards or miles?

If you have no problem paying off the credit card debit each time the statement comes in, then the point rewards or cash back is the way to go for you. With the cash back and rewards credit cards, they give you rewards for spending money on everyday business needs, which is money you are going to spend anyway, so why not be rewarded for it. Another option to consider when choosing a credit card is the travel reward and miles credit cards. Do you or someone in your company travel on a regular basis? Then a travel reward or miles reward card is the type of card you might want to use. Most of the popular airlines have now teamed up with the credit card companies to bring business owners a reward for traveling for business purposes.

Should I get help tracking and reporting your expenses?

Most credit cards that are geared for the small business and even for larger businesses now, have a feature that is attractive in more than one way. The credit card companies can now track the categories that money is being spent on every month, and they can also provide a quarterly or annual spending report. This comes in handy during tax time. If you plan to use the same credit card for all of your expenses, this may be a great option for you.

Do members of your staff need to have access to a credit card?

Most of the credit card companies that offer cards to small businesses have a feature that allows employees of the business to also carry a credit card. This feature helps the business owner and the employee. When the employee travels now, they have the business with them to back them up in case anything should come up. Employees now can keep track of their spending for business related purposes a lot more efficiently now. The credit card companies can also track the credit card expenses separately so there is no confusion over who spent what. Not to mention the reimbursement paper work and waiting will now be eliminated. The credit card companies also allow the owner to set the amount of funds that are available to each card.

Small business owners also need to watch out for credit cards and the rates they charge with balance transfers and also with the APRs. This can be a great asset to a small business owner. Zero percent interest on balance transfers seems to be the going rate right now, and makes it nice to have an interest free loan for a little while, but beware! If you miss one payment you will lose that nice 0% APR and will have to pay the full rate.

Credit cards have changed so much over the years. They are very helpful to the business owners and their employees. Most credit card companies have now done away with the yearly fees that used to be associated with owning a credit card. So, if you are a business owner that pays the balance every month, these are the types of cards you need to apply for.

Debbie Dragon

This article is courtesy of CreditorWeb.com, where you can compare business credit card offers and apply for a credit card online.

Source: http://www.articlesbase.com/finance-articles/how-business-owners-can-choose-a-credit-card-183789.html

Change Your Life with an FHA Home Loan

Author: FHA home loan Lender

Change Your Life with an FHA Home Loan

If you are a Florida first-time home buyer or have bought a Florida home before and have less than perfect credit you have come to the right place. At http://www.FHAmortgageFHALoan.com our FHA mortgage Loan Specialists will take you through the FHA home loan process step-by-step.

With an FHA mortgage Loan you can:

Purchase a Home with only 3.5% down payment.
Remodel Your Home
Make Home Repairs
Make Energy-Efficient Improvements

FHA Loans are guaranteed loans, which means that FHA mortgage lenders will offer you lower, more affordable rates. Even if you have less than perfect credit or are a Florida first time home buyer, an FHA Loan can help you save money on the Florida home of your dreams.

FHA mortgage Florida , FHA loan Florida

Minimal Down Payment and Closing Costs.

Down payment less than 3.5% of Sales Price
Gift for down payment and closing costs allowed.
No reserves or required.
FHA regulated closing costs.
Seller can credit up to 6% of sales price towards buyers costs.

Easier Credit Qualifying Guidelines such as:

Minimum FICO credit score of 540.
FHA will allow a home purchase 2 years after a Bankruptcy.
FHA will allow a home purchase 3 years after a Foreclosure.

Higher Debt Ratio's than other home loan programs.

Less than two years on the job is allowed.
Self-Employed individuals o.k.

APPLY NOW AT http:/www.fhamortgagefhaloan.com/

FHA Loan Programs Florida

At one point and time many years ago, the FHA loan was the only alternative to local bank financing for Florida home buyers. In the fashion world, there is a saying: Wait long enough, and everything comes back into style. That rule applies just as well to Florida FHA mortgage program. Long-overlooked, the FHA home loan is becoming popular again with Florida Home Buyers for its low rates and the real security it provides Florida mortgage applicants.

For Florida banks and other mortgage lenders, FHA mortgage loan financing offers the security of a government insured Mortgage. Win/Win! To learn more, call today at 1-800-570-0448 or just use our fast and easy quick application!

For Florida first time home buyers and other borrowers, the FHA home loans can have key advantages:

Easy Qualification - The FHA mortgage insures lenders against loss for loans made to properly qualified FHA home loan borrowers. So you're likely to find FHA loan with terms that make it easier for you to qualify.

Minimal Downpayment Requirements - FHA loans can work with as little as 3.5% down and those funds can come from a family member, charity, or your employer. Although the FHA loan does not have a zero down mortgage option yet, you will find that your 1st Continental Mortgage loan officer can point you to many Downpayment assistance programs that work well with Florida FHA home loans.

Less than A-1 Credit is Okay - The Florida FHA mortgage program exists to expand the pool of home buyers. Even borrowers with prior bankruptcies or mortgage lates get approved every day for FHA mortgages to buy or Refinance homes in Hillsborough County or any of the other Florida counties we serve. The FHA loan program uses credit quality, not credit score!

Lower Cost Over the Life of the Loan - The Florida FHA mortgage rates are extraordinarily competitive. FHA's lower risk to the lender means a better rate for the borrower.

Safeguards for FHA Mortgage applicants Who Get Behind - The Florida FHA mortgages also allow the lender more options in helping borrowers who fall behind keep their homes are get current again: special forbearance, workouts, even free mortgage counseling. Further, HUD can allow the FHA Mortgage lender to take past due payments and move them to the end of the loan and in some instance will actually pay your past due payments for you. Options to save your home you'll never get from a conventional loan! In an uncertain world, this is another excellent reason for you to get an FHA home loan.

Manufactured Housing - Under certain conditions, you can even finance a Mobile Home or manufactured home using a Florida FHA home loan. Call 1-800-570-0448 to get pre-approved for a Florida FHA loan for manufactured housing or just use our quick application to learn more!

FHA Mortgages Are Fully Assumable - When you are ready to sell your Florida home, you can offer buyers FHA financing! All FHA loans can be assumed by qualified buyers.

These are just seven of the many good reasons to apply for an FHA mortgage. Call 1-800-570-0448 to speak with a friendly Florida FHA loan specialist now!

The FHA program has evolved since it started in 1934 and now has options for HUD insured loans that fit a variety of different borrowers and situations.

FHA Home Loans for Purchasing or Refinancing a Florida Home

Although Florida FHA home loans require additional paperwork, the reality is that applying for an FHA mortgage loan in Florida is not much different from applying for conventional financing. In fact, for many borrowers the small amount of extra time turns out to be an exceptional mortgage bargain because they save thousands of dollars over the life of their Florida Mortgage.

At 1st Continental Mortgage, we have been working with the FHA program for many years. We're experts at assembling the proper paperwork and presenting your loan application to FHA approved lenders diligently and professionally. It's one of the ways that we have earned our reputation for closing FHA home loans in Florida on-time.

You may be surprised at how flexible sellers are in the current market and how many programs there are that provide Downpayment assistance to applicants for FHA financing to purchase Florida homes, condos, and townhouses. The fact is, seller can pay up to 6% towards your closing costs. This means, no closing costs for you when negotiated during the purchase contract!

The FHA program offers excellent fixed rate options and never a prepayment penalty. If other mortgage lenders are quoting you subprime rates, you owe it to yourself to make the call to 1st Continental Mortgage to compare the costs of getting an FHA home loan for your home purchase. Call 1-800-570-0448 to speak with an FHA mortgage expert before accepting any conventional mortgage quote as the best you can do!

FHA Home Loans Offer the Convenience of Streamlined Refinance

An FHA streamline refinance is one of the easiest home loans for Mortgage Lenders and borrowers. Since HUD approved you for the original FHA loan, the paperwork to refinance is minimal and the process is simple.

So long as you have made your FL FHA loan mortgage payments on time for the previous 12 months, you can lower your monthly payment if interest rates go down with minimal out of pocket expense. Even if you have been late on your FHA mortgage, you might still qualify for an FHA streamline refinance in Florida under very specific conditions.

Less documentation and no appraisal are just two of the reasons a FHA streamline refinance is cheaper and faster for the borrowers who qualify.

FHA Mortgage Loan

Streamline Refinance Requirements

When your 1st Continental Mortgage lender helps you get a streamlined FHA refinance on your existing mortgage loan, he or she will make certain that you meet these conditions:

Your current mortgage must be an FHA mortgage.
You must have had your FHA Mortgage for at least 6 months.
You must have paid your mortgage on time for the most current 12 months.
Your FHA Streamline Refinance must lower the principal and interest portion of your mortgage payment by at least $50 or convert the mortgage from an ARM to a fixed rate FHA home loan.
You can't get cash out on the FHA streamline refi.
You must have an FHA appraisal if you are rolling the closing costs into the FHA streamline refinance.
Any existing liens on your Florida home must be subordinate to the new FHA mortgage.

FHA Mortgage Loan Refinance

Programs for Cashing Out Equity

Although a streamline refinance does not allow you to cash out equity, we have a FHA loan refinance program that is specifically designed for borrowers who want to cash out equity to consolidate debts, make home improvements or to access funds for other purposes.

Unlike many conventional loan programs, the FHA mortgage does not adjust the rate based upon loan to value or credit score. You will find the FHA has very reasonable underwriting guidelines for cash out refinancing.

We have helped many clients borrow up to 85% of the appraised value of their homes and use the funds to consolidate debts or to make home improvements and other purposes. Qualified borrowers will have to look hard to find lower rates and better terms than they can get on Florida FHA cash out refinance right now!

Call 1st Continental Mortgage today at 1-800-570-0448 or use our quick application to apply for an FHA refinance on your home in Sumter County or any of the other Florida counties we offer FHA mortgages in.

FHA Home Loans For Mobile Homes with Land

Although some conventional lenders in Florida shy away from making a loan on Mobile Homes or manufactured homes, many FHA mortgage loan lenders do not.

In fact, mobile homeowners fortunate enough to connect with a Florida FHA mortgage lender, who is well schooled in how FHA loans work for mobiles and manufactured homes, can get a better interest rate, better terms, and a lower monthly payment by going FHA in nearly every case.

If you're shopping for financing to buy a mobile or manufactured home on land in Sumter County or any of the other 66 counties in Florida that we serve, call 1-800-570-0448 and let us give you a quote for an FHA mortgage loan to purchase your mobile or manufactured home.

It only takes a few minutes to get an FHA loan mortgage quote on your Florida mobile home. We'll wager that the savings on your monthly mortgage payments will make it some of the highest paid work you've ever done.

Few people realize that the FHA mortgage loan uses the same underwriting criteria for single and double wide mobile homes and manufactured housing as it does for traditional site built block or stick homes. In addition, FHA is one of the very few programs that can offer up to 97% financing on mobile homes on land. In addition, did you know that the seller can contribute up 6% toward your closing costs on an FHA mobile home loan and that down payment assistance can be used in Florida? It's true! You could package your mobile home financing to create a real no money down loan with unbelievably low rates.

Call 1-800-570-0448 or use our secure online quick application for a free no obligation quote on financing your manufactured or mobile home using an FHA mortgage loan.

FHA Mobile Home Lending Guidelines

The Department of Housing and Urban Development (HUD) sets forth these guidelines for determining if a mobile or manufactured home qualifies for an FHA mortgage loan in Florida:

The mobile or manufactured home must be constructed in accordance with the Federal Manufactured Home Construction and Safety Standards. A red tag is attached to the rear of each section of homes that comply with the standards.
The home must be taxed as real estate by the local tax assessor's office.
The mobile or manufactured home must have been built after June 15, 1976.
The mortgage must have a term of at least 30 years from when amortization begins.
The mobile home or manufactured home must be on a permanent foundation.
The axles and tongue must be removed from the mobile or manufactured home.
The mobile home or manufactured home must have adequate skirting and insulation, and the crawl space must have adequate ventilation.

If you would like to determine if your mobile or manufactured home meets the guidelines for section 184 financing from FHA, call one of our Florida mortgage pros at 1-800-570-0448. We'll be glad to help you determine if the property that you are interested in can be used as collateral for an FHA mobile home mortgage.

FHA 203k Mortgages For Florida Homeowners Making Home Improvements

The FHA 203k loan program is nothing more than a specialized FHA home loan designed to help homeowners make home improvements. It is especially popular in neighborhoods with properties in need of rehabilitation.

The FHA 203k loans work in Florida communities in much the same way as Construction loans for home improvement. Eligible borrowers can use the proceeds from these FHA mortgage to renovate and improve their primary residences.

Qualifying for a 203k FHA mortgage uses the same guidelines as a standard FHA mortgage for the purchase of a Florida home.

Target Borrowers for FHA 203K Mortgages

This specialized FHA mortgage is for Floridians who wish to buy a home that needs repairs or renovations. Just as is the case with a conventional construction loan, a single FHA 203k loan covers both purchase of the Florida real estate and renovation. FHA 203K financing can be used to purchase a property on a site and move it to a new foundation on the mortgaged property and rehabilitate it.

In addition, Florida homeowners can also use a 203k FHA mortgage to refinance existing debt when they finance one or more home improvements using the FHA 203k mortgage program.

Many borrowers are finding out what a good deal a Florida FHA home loan really is. Call 1-800-570-0448 today or simply use our quick application to find out more!

About the Author:

Article Source: ArticlesBase.com - Change Your Life with an FHA Home Loan

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Jumat, 12 Februari 2010

How Business Owners Can Choose A Credit Card

Minggu, 03 Januari 2010

Change Your Life with an FHA Home Loan

For Florida first time home buyers and other borrowers, the FHA home loans can have key advantages:

FHA Home Loans for Purchasing or Refinancing a Florida Home

FHA Home Loans Offer the Convenience of Streamlined Refinance

FHA Mortgage Loan

Streamline Refinance Requirements

FHA Mortgage Loan Refinance

Programs for Cashing Out Equity

FHA Home Loans For Mobile Homes with Land

FHA Mobile Home Lending Guidelines

Rabu, 22 Juli 2009

What Customers Should Know About Chase Bank Home Loan Modification

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