jamminbyalias asked: I have a student loan from Sallie Mae with an annual interest rate of 18.25%. Does the usury limit come into play for loans through Sallie Mae. If so, what is the ceiling percentage and what can I do? Thanks in advance.

Dennyr asked: Wondering what the differences are between online home loan providers and banks - is it just that the interest rates are better at the bank?

Pehsha P asked: I am looking for a personal loan, but my credit is not good. I don’t want a payday loan but that is all I find on the internet when I type in personal loans for people with bad credit. Do you know any lender who will give loans to people with bad [...]

Angel asked: do you HAve to refinance though the VA or can you go to other places. Once you get a VA loan are you tied in until you sell or can you start with a VA and if down the road you find a better interest rate through someone else can you refinance [...]

whiskeyman510 asked: I am considering a home loan modification to reduce my interest rate (and thus my payment), but I was told by the mortgage company it has a negative affect on one’s credit score, but they couldn’t give me details.
I don’t want to refinance as I probably won’t remain in the house long enough [...]

Candice J asked: I have a Sears home improvement card with 12 months no interest and $4,500 charged on the card. I have the money to pay in full right now. Should I pay in full or make payments for a few months to help build my credit? If I make payments, how many should [...]

BigFriday asked: This is a repost with more detail. Thanks to those experts who answered. In California:
Looking at a $6000-7000 vehicle with $1500 down. KBB value will be at least 100% of purchase price, likely more.
Vehicle age=12-16 years
Term=36 mos.
Mileage=95-130k
Time on job=1st job, 8 mos, 2nd job, 2 mos.
Time at residence=11 mos.
Gross monthly=$4000
Credit score=630
DTI=approx. 25%
Thanks again, [...]

Burton asked: I have average credit around 660 currently…but only have credit cards. I live in California. Can I get a good personal loan with a good interest rate which will help my mix of credit? Only problem is that I have a repo on my credit report that will fall off [...]

BellyRubz asked: Our house is new construction and is our first home, so we don’t have much additional money to install things like fencing and central air. Also, we got our home using alternative credit, but have been maying our mortgage payments religiously.

miracle_2_see asked: I have been preapproved, showed financial bank statement, proof of funds, credit report ok, paid for inspection, appraisal, and have a contract to close at the end of this month. One important thing that I dont have is the letter of approval. I keep being told it’s on the underwriters desks, and you’ve [...]