Month: February 2018

by jguardione

Loan-To-Value (LTV) Ratio: What it means for you

LTV is a number that compares the value of the asset to the loan that it secures. Put another way, when you purchase a car, your lender issues a loan plus interest to help you make the deal. Technically, because your lender issued the funds to purchase the car, that car is collateral in the […]

by jguardione

From the Desk of Roger Douville

Refinance loans a viable option for loan growth Growing and sustaining a consumer loan portfolio is a daunting task. I speak with the heads of many lending departments across the country about loan growth and how to get it. So many lenders turn to indirect in their haste to satisfy their appetite for loans. There’s […]

by jguardione

A Guide to Auto Refinancing

1. Do it sooner than later. Because interest accrues every day, and since your vehicle becomes less valuable with every mile, the longer you wait, the higher loan-to-value (LTV) ratio you’ll have. LTV is an important factor for lenders when deciding to make you an offer. 2. Expect to have paperwork. No matter whether refinancing […]

by jguardione

Can money buy love and happiness?

Money is everything, but it’s also not everything. We know, “that’s a little confusing”, but hear us out. We love and need money. Whether we like it or not, our world revolves around it, both on a planetary and individual level. Though money both prompts and funds most of our life choices, there are also non-economic […]

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