Warming Hearts, One Cup at a Time

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The holidays are here! You know what that means — time to collect your holiday stamps from The Coffee Bean & Tea Leaf (CBTL)!This season, CBTL is warming hearts, one cup at a time by giving customers a holiday stamp with every drink purchase in-store. Collect 12 holiday stamps to get the 2021 Giving Journal or 18 holiday stamps to get the limited edition holiday tumbler. The Giving JournalPlan out your year with our 2021 Giving Journal. It’s compact and lightweight and features a minimalist design in three different colors--Quartz Pink, Teal, and Purple. For the first time ever, this year’s journal is fully customizable. You can start with the month of your choice, scribble away, and design your story with our cool stickers. Plus, you can avail of exclusive discounts and offers in all our stores nationwide using the coupons included inside.Each 2021 Giving Journal redeemed is for the benefit of the Real LIFE Foundation. Real LIFE Foundation is a Philippine nongovernmental organizat…

Talking About Home Loans

Knowing which home loan to choose is not always easy. Homebuyers who research various types of loans likely know of loans that may suit their need. Because there are many loan options, it may be useful to work with a mortgage broker.

Some homebuyers choose to obtain financing from a credit union, bank or mortgage company. However, these lenders provide traditional financing, and rarely offer loans for people with credit problems.Image result for home credit loans

Comparing home loans is an important step that should not be overlooked. With this said, brokers provide a valuable service that saves time. Online mortgage brokers will locate at least three suitable loans. Brokers email loan offers to the homebuyer. Upon receipt of the offers, buyers must make a side-by-side comparison and pick the best loan offer and some also tries to help you avoidbad credit loans in Tampa.

Types of Home Loans Available

Fortunately, there is a multitude of home loans available. Thus, it is possible for practically anyone to obtain a mortgage regardless of credit. Several lenders specialize in bad credit mortgages. In this case, lenders approve loans to individuals with credit scores as low as 500. Those with low credit scores may also qualify for a “no credit score home loan.”

Furthermore, there are different home loans that involve zero money down. Also termed 100% financing, these loans are offered to good credit and bad credit applicants. In some instances, homebuyers may also acquire 103% and 107% financing.

Other home loan options include “no doc” home loans and stated income loans. Loans of this sort generally require a decent credit rating.

Applying for a Home Loan with Online Broker

Because of the variety of home loans, it would help to use a mortgage broker. Brokers are ideal because they can provide additional knowledge on the types of loans a homeowner can obtain. Once a homebuyer has decided on a particular loan type, the broker’s responsibility entails locating the best loan package.

Applying with an online broker is very simple. Homebuyers complete a quote request with a broker, and the broker matches the buyer with several potential lenders. Lenders will provide a quote, which includes loans terms, interest rate, closing costs, monthly payments, etc.




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