Online consumer lender delivers better options for unsecured loans to fund anything, including home improvements, vacation ownership, education, medical expenses and more.
San Diego, CA (PRWEB) October 1, 2008 -- Every week the adage "you can take it to the bank" seems more outdated as the banking industry dumps more bad news on consumers. The news of banks failing has consumers in a panic. Big-name lenders are reducing or freezing existing home-equity lines of credit. Others have put the brakes on auto leases and are making it harder to get loans for education, home improvement, vacation ownership and more. Moreover, traditional lenders continue to treat all borrowers the same--with undifferentiated products and indifferent service.
FirstAgain.com supplies unsecured loans to individuals with excellent credit.
Despite traditional bank woes, FirstAgain LLC, an online consumer lender focusing on individuals with excellent credit, continues to gain momentum with an easier and faster way to fund anything, including home improvement projects. The company's AnythingLoan, a revolutionary, unsecured loan product that combines low rates with an unparalleled customer experience, is a convenient alternative to ever-shrinking financing options.
San Diego-based FirstAgain® LLC focuses exclusively on providing low-rate, online unsecured personal loans to individuals with excellent credit.
FirstAgain's AnythingLoan is a completely paperless, online unsecured personal loan that can be applied for, approved and signed online.
AnythingLoans can be used for any purpose, including adoptions, aircrafts, autos, boats, classic cars, club memberships, education, fertility expenses, fractionals, home improvements, horses, marine products, medical expenses, motorcycles, pools, RVs, solar, timeshares, weddings or anything else.
AnythingLoans are a welcome alternative for home improvement financing without the hassles or concerns people have when borrowing against home equity or retirement savings.
Home improvement loans are one of FirstAgain's fastest growing loan categories as the company has achieved five-fold growth year-over-year.
FirstAgain has surpassed $100 million in online unsecured loans and is gaining market momentum with thousands of highly satisfied customers nationwide.
Online unsecured personal loans, with same-day funding, are available in amounts ranging between $10,000 and $100,000.
Gary Miller, FirstAgain co-founder and CEO: "People with excellent credit are underserved by traditional lenders and we are changing that with our AnythingLoan--an incredibly positive loan experience for consumers who have worked hard to develop excellent credit profiles. FirstAgain rewards them with specially tailored loans and a great customer experience regardless of market conditions."
Theresa Emfinger, FirstAgain customer/Education Loan: "The regular financial aid programs just weren't going to be enough. I was looking for things like credit card advances, but then I came across FirstAgain. I kept thinking there has to be a trick here. It was just such a simple experience. I really appreciate having a service like this out there. With all the bad news surrounding the credit industry right now, it's nice to know it doesn't have to be that hard. FirstAgain gives borrowers peace of mind."
George Zandiotis, FirstAgain customer/Home Improvement Loan: "I considered borrowing against my 401(k) for a home improvement loan, but it just didn't make sense. FirstAgain was a breath of fresh air. I was absolutely shocked when I saw how quickly the whole thing happened. I had my loan approved and funds deposited into my account within a day."
Elizabeth Rowe, Group Director of Banking Services for Mercator Advisory Group: "Financial institutions don't always treat their customers the way they should, which is why I love the touch of human consideration that FirstAgain brings to consumer lending. The AnythingLoan is the first truly win-win loan product. The vastly improved lending experience gives consumers a much better way to secure financing, which will propel FirstAgain's continued market momentum."
FirstAgain LLC is redefining consumer lending for individuals with excellent credit. The San Diego-based company has developed a completely paperless, online experience for applying, approving, signing, funding and servicing unsecured personal loans. FirstAgain's AnythingLoan can be used for any purpose, including home improvements, vehicle purchases, educational and medical expenses, timeshares, vacation ownerships, marine products, loan refinancing and anything else. Most AnythingLoan finance amounts range from $10,000 to $100,000 with low rates, same-day funding and an unparalleled customer experience. Timeshare and fractional financing loan amounts start as low as $7,500. FirstAgain was founded by the pioneering veterans of PeopleFirst, a company which grew into the nation's largest online auto lender prior to its sale to Capital One in 2001. The company operates nationwide and has financial investments from Merrill Lynch and Arsenal Capital Partners.
Washington, D.C. (PRWEB) October 1, 2008 -- A new book offers a lifeline to homeowners unable to make their mortgage payments. Authored by veteran housing counselors, Sylvia Alvarez and Walter Walker Jr., the book, titled The American Nightmare, offers distressed homeowners valuable tips to help avoid, survive and overcome foreclosure. Readers will learn about the most common reasons why people end up in foreclosure, the lender's perspective in the foreclosure equation and what homeowners can do to negotiate a favorable outcome. Published in partnership with the National Association of Hispanic Real Estate Professionals (NAHREP), FREE downloadable excerpts from The American Nightmare are available in English and Spanish. A link is also provided to purchase the book for $14.95.
The American Nightmare Book: Strategies Preventing, Surviving and Overcoming Foreclosure
The authors offer clear, practical advice to distressed homeowners in mortgage default, including:
- Benefits of contacting your lender as soon as there is a problem;
- Information to have ready when placing a distress call to lenders;
- Special assistance available homeowners with FHA-insured loans;
- Advantages of consulting a HUD-certified housing counselor;
- How to prioritize your debts;
- The importance of preserving good credit when funds for payments start running short;
- Tips for exploring workout solutions with a lender;
- Resources for finding a qualified real estate agent when selling a home;
- What to do when lenders don't respond;
- Warning signs of predatory lenders and how to report them.
"It's important for distressed homeowners to realize that lenders want to help borrowers keep their homes," says Rebecca Gallardo-Serrano, Chairman of NAHREP. "The American Nightmare authors are encouraging open communication between homeowners and lenders while helping to avoid the pitfalls that can lead to further financial and personal damages."
The National Association of Hispanic Real Estate Professionals, a non-profit 501c6 trade association, is dedicated to increasing the homeownership rate among Latinos by educating and empowering the real estate professionals that serve them. Based in Washington D.C., NAHREP is the premier trade organization for Hispanics and has more than 15,500 members in 48 states and 62 affiliate chapters.
For nearly eight months, Americas Watchdog has been battling for all consumers and businesses victimized by Wall Street stock brokerage firms, investment bankers and U.S. banks involved in the sales of extremely high risk securities, called auction rate securities. According to Americas Watchdog, "While there have been a small number of settlements announced involving the retail clients, many sellers of auction rate securities have not been forced into a settlement. Even worse, many larger investors or businesses that were sold a bill of goods by a stock broker or U.S. bank investment advisor, will never see a settlement because of the size of their investment. And now bankruptcy's involving Lehman Brothers and Washington Mutual could change everything." Americas Watchdog says, "We want to hear from the auction rate securities victims who stand to lose millions, because they are being categorized as sophisticated investors. We consider fraud to be still be fraud, regardless if the investment was $25,000 or $250 million." Victims or businesses that have been victimized in the auction rate securities scandal with amounts above $10 million should call Americas Watchdog's Wall Street Fraud Watchdog at 866-714-6466, or visit their Web site at http://WallStreetFraudWatchdog.com.
(PRWEB) October 1, 2008 -- Americas Watchdog and its Wall Street Fraud Watchdog have been fighting to get full refunds for the victims of auction rate securities for almost eight months. A very small number of what Americas Watchdog considers being criminals have been forced into settlements involving auction rate securities involving their, what have been referred to as "retail clients" (retail clients equals auction rate securities victims with investments under $4 million to $10 million invested).
According to Americas Watchdog, "We are not letting any Wall Street brand name stock broker, or any U.S. bank off the hook, relative to settlements with larger business or individual investors. The auction rate securities con job is a $330 billion financial disaster, and we are going to try to see to it that every penny gets refunded, regardless of the size of the investor." Large or small auction rate securities investors can contact Americas Watchdog's Wall Street Fraud Watchdog anytime at 866-714-6466, or they can visit their Web site at http://WallStreetFraudWatchdog.com.
Americas Watchdog is a leader in protecting U.S. shareholders and tax payers. According to the group, "Our nation is on the verge of bailing out the bank that knowingly bought a bankrupt Countrywide Home Loans in early July, as part of the $700 billion U.S. bank bailout. We estimate that toxic Countrywide Home Loans could easily be $50+ billion. And that now becomes a taxpayer responsibility? The story gets worse. Senate Finance Chairman Dodd has taken tens of thousands of dollars from the U.S. bank that purchased Countrywide, since the first of the year. How about the victims of the auction rate securities fraud Senator Dodd, or do auction rate securities victims have to pay you off too?" (source Hartford Courant 6-22-2008)
"As part of the $700 billion U.S. bank/Investment Banker bailout, instead of earmarking millions of dollars for Senator Obama's 'community activist group' Acorn, that really needs a thorough IRS audit and Department of Justice investigation, how about including $330 billion for auction rate securities victims -- they did not lie on a mortgage loan application and then discover they could not make the payments, or attempt to flip a house; it was their hard earned money."
Note to the National Press: Americas Watchdog states, "We are sure it's fun beating the crap out of Gov. Sarah Palin everyday, but every DC news organization knows about the money flooding into to U.S. Sen. Dodd's offices from banks and investment bankers (one in particular), how about a story about that? And a story about auction rate securities victims?"
Americas Watchdog says, "We do not want larger auction rate securities victims thinking they have been kicked to the curb. We do not want larger auction rate securities victims including individuals, businesses or organizations wasting money on outside legal counsel, only to discover the law firm is conflicted out, or is lacking in the necessary arbitration skills to recover their lost or frozen money. We have identified the most competent and capable securities arbitration law firms in the United States, and we will work with every victim to make certain they have the absolute best resources available to them."
Individuals, businesses, or organizations that are larger investors should call the Wall Street Fraud Watchdog anytime at 866-714-6464, or visit their Web site at http://WallStreetFraudWatchdog.com
"Americas Watchdog is all about consumer & taxpayer protection. It is long over due."