i got baptized in 08 and was singing in the praise team. I voluntered to file music and prepare the teams music books because i wanted to do something for the church since I dont have a job and cant tyth. I enjoyed the time i was spending 1-2 times a month because it was quiet and peaceful in the lords house. My preacher and his wife know that i have been with my boyfriend for 10 years and we have a three year old and we do live together unmarried. the preachers wife is really pushy and basicly detered my bf from comming back to my church because of her pushiness. Since then she has been using the time i file music to shut the door to the room and make me sit and talk to her about my life. basicly giving me christian counseling i didnt ask for. she has basicaly tried her best to talk me into leaving my bf and becomming an unemployed single mother because she thinks my bf isnt a true believer. she went as far to ask if i would be able to move back in with my parents. I am 27 and we are paying a mortgage. When i told her i didnt want to uproot my family she told me i didnt have a family because im not married. I tried telling her that we planned to get married later and that still wasnt good enough to get her off my back because he wasnt a believer and it wouldnt work. I had to stop praise team because of child care, but let her know i could come back because i found child care for wed. night rehearsals. she sat me down and basically asked what i was going to do about my living situation, and i finally nicely said that i might be wrong and didnt expect her to agree but at this point in time i wasnt leaving my bf and i really didnt see the wrong in it. she in turn said i couldnt be in praise team, i was making it public i was living with a man i wasnt married to and had a child with him as well (which i have never told a sole at that church) people in praise team are considered leaders blah blah but she didnt want me to stop comming to church. I told her i couldnt file music last week because i had something come up and i didnt check my email for a while and i dont have house phone only cell. she sends me 2 prepaid phone cards in the mail asking me to come do the free work of filing music for a praise team that i cant be in because im such a sinner on my kids b day and i didnt respond. well today i get a knock on the door and its the preachers wife just stoping by unannounced, and i know she had to mapquest it cause she only had my address. i feel like she is stalking me, if she cant get ahold of me on the phone she calls my family members and today was the last straw. To just come to my house without calling to basically come in tell me she hadnt seen me in church past few weeks, ask me if she offended me, and then ask me to come in the next day to file that freakn music makes me feel like she is harassing me. do most preachers wives just show up at your door cause you missed a few sundays?? am i wrong for being mad about this?

people sign a contract for every, thing in thier life,home,cell phone,loan, car, boat,education,even pre-nups…so why not the most important part of your life…your Job????????…Why pay dues for the Elks, Masons, motorcycle club,AAA,AArp,church…but not a unit that actually gives you a bill of rights at work??…can some one explain this logic??

II am a 23-year-old single mother to a wonderful three-year-old little girl. My ex-husband does not pay child support and has not seen her in two years. I am also a full time student. I am trying to finish my degree so that I can get a better job and provide more for my daughter. In addition, I work part-time, about 20 hours a week. Well now, all my financial aid is gone and just working part-time is not enough to pay my bills. I have a hundred dollars in my bank account and I am not getting paid for another two weeks. My rent is due today; it was raised this month to 3. I have tried to get loans from the check cashing places but they say I do not make enough money for that much of a loan. I’ve also contacted my church but they are out of funds for their helping hands program. What other options do I have?
I have tired the payday loan places. I do not qualify for the amount I need.
Also, I live in Houston,TX and they are not taking any housing applications due to funds are being fully used. With most of the people on housing here are from New Orleans from when Hurricane Katrina hit. I have nothing against people from there I just find it unfair that they are using Houston’s housing funds still. Leaving people like me, from Houston, without options.

hey my name is alfred johnson i’m 20 years old and i stay with my wife in an apartment down in nashville,tennssee, we live in an apartment complex called glastonbury. we have been here for about 3 weeks now job searching, walking in the heat because we don’t have any car. my wife got a job but she don’t start until thursday and she doesn’t make enough for the rent that will be late after aug 5. we need help bad or we will soon be evicted and put out on the street. we both do not have good credit and we are in need. we have tried the churches and everything but they need proof of income. please by the grace of god can someone help us.

My mother is a pastor for the Methodist church. She became a pastor for a few reasons: She was bored of being a stay at home while I went to Jr. High, she loves God and wanted some of her own money to spend because my father had majorly messed up, by not paying taxes, or Mortgage bills for years. This all came down on us at once, and mother got a credit card. NOW 10 years later, my mother and father are still paying off biils, and father gets money automatically taken out of his pay check. He ran his car into the ground because he could not afford to fix it (Audi tt) and my bf and I are left to deal w. it (by choice) to get it our of the driveway. Father doesn’t have the money for a new car, although he could def. save up for it np if he didn’t give mother so much money every month! I JUST found out the other day that my father has no idea about how much money my mother gives to the church…6k a year! And she has to pay to work at church as well! this is what she gives MINIMUM!!
I’ve been trying to get them to fix up their home so they could sell it (They could make up to 400k profit easily in this area) so they can pay their bills, and retire, but mother keeps saying she doesn’t have the money to. Father keeps asking mother why she needs so much every month since she has a job now, and he pays all the bills food etc. What do you think? What would you do? Mother told me on accident, and it’s not my place to tell ppl. that stuff, but at the same time my father has been doing so much better with the bills, and he doesn’t like church so she’s taking from him to give to church! 6k to church a year at LEAST!
To top it all off my father just lost his job, and he doesn’t know about her giving away so much! Should I tell him? I know she won’t!

I was wondering if volunteered with a charity if they could help me pay a bill that tripled in size due to a tech having to fix my phone/internet line. It will be shut off soon. I believe strongly in a cooperative society where people help meet others needs and in turn get their own needs meet. I called Salvation Army; which apperently is a church which does not believe in helping those who volunteer. I have a job and work from home so I need to keep my services. I have applied at other part time jobs yet my need is more immediate. December 26 is the deadline. Any suggestions? I will try anything legtimate. I have called 6 local charities, 5 churches, temp agencies, tried to get a loan and called my family. My mom gave me some money, dad helped pay eletrcity. My normal phone/internet bill is only and now is almost 400.

I read something recently on the Christian Science Monitor’s web site about how some pastors in different cities,towns,and states who pastored Word of Faith movement churches also held secular jobs as loan officers and helped some members of their churches successfully apply for new home loans and get them when the people really didn’t have the financial ability to pay those loans,or,even have the ability to buy or even rent a new home.

This editorial opinion was titled the same as my question,and,the writer also wrote that some people at this one pastor’s Word of Faith church in Virginia testified how God helped them financially as far as getting a home loan was concerned,but,the writer also found out that the pastor’s secular job was as a full time loan officer for either a local bank or a real estate agency,I don’t remember which it was.

Is it possible that this man and others like him did something illegal?

I worked for a Chruch/daycare. I loaned them ,500 (in Aug2008) the loan went in the churches name. I was suppose to get 0 a pay period starting in Sept. 2008. This was an interest free loan!!! It has now been like 7-8months now I have only recieved 0. Well last month they shut the daycare and church down! I am now laid off. The only reason i got some of it was because my dog was very sick and i had nothing to pay the bill with and I had to beg for it. Every time i would ask i would be told next pay day. I was told at the beg of march i should have started to get paid at the end march. Well it is the begining of April and nothing! The pastor told me that he would pay me back still. Since he was suppose to financially back the church til it got on it feet! Do i have the right to sue.
the business failed cause of him and his wife. She had no business sense and he wouldnt speak up about it. Yes i know this is a church blah blah blah. BUT i have done way more than that for them but i need my money now more than ever. I worked lots of over time hours and never got paid for them! I did lots off the clock.sometime 15 hours a week. Was promised lots raises and never got them. Took the director postion without getting a pay raise I was getting half of the average pay for someone with my job. Suppose to have a work/personal cell phone It was always getting shut off I couldnt relay on it. All i asked was for them tell me if it is going to get shut off so i could plan for it since it was my only phone!! ( i had my own before they just told me it made no sense to pay for it so i switched to theirs). I was def. taken advantage of but all i am asking for is my money. The rest of it i dont care about. I am not sure about the ethical stuff for sueing a church or if i can get away with sueing the pastor and his wife since the church folded. I dont want to be the person to sue anyone but i feel like i 1 need to show them what they did was wrong and 2 they wont give me what is mine unless someone makes them.

* the loan was mainly for them because they were supporting the daycare and had no money for their bills either. But the pastor wanted to make it a business loan* PLUS money was taken out the following day for a "business conference" where there son lived paid for their hotel stay and meals. no reciepts were given. (Ohh i know cause i did the fiancially paper work for the daycare at the time but stepped down for disagreement in budgeting and process. )This was a very samll chruch the pastor started it. Okay sorry so long but i just dont know what to do! Any advice would be greatly appretiated!!!
The check i wrote to them that they cashed was written to the chruch said loan on it and i have the canceled check. but other than that there is no agreement in writing it was all verbal.

Sorry kind of long…

A friend of mine got married based on financial need. She had just graduated High School, her parents didn’t want to support her anymore (they thought she should work, or take out loans to go to college), so she decided to get a roommate (which was a guy, but there were no romantic feelings, just friends) to help pay the bills. Her parents were very unhappy and pressured her into marrying him by claiming good Christian girls do NOT live with boys before marriage etc. (Probably so they didn’t feel guilty about not supporting her while in school). So I don’t think they were in love when they married.

Anyway, they’ve been married 10 years, and they don’t agree on anything. Shortly after marrying they quit going to church because she didn’t want to go w/o him and he didn’t want to get up and go. In the past few months she has come back to church and has started changing her lifestyle (in a good way), but he’s not very good to her. He insists on sex almost every day, and if she doesn’t, he throws fits,or on some occasions has forced he., He will not allow her to work, he says the woman’s place is in the home. Claiming he works and makes the money and everything else is her job, such as taking care of the kids, all the bills, cooking, cleaning, fixing anything inside the house. He does mow the lawn…but that’s about it. He also "carpools" into work, but wants her to drive to pick him up in the afternoon…which makes no sense it’s not saving any gas, the car is still making a trip…I am sure he’s not cheating on her, she’s caught him looking at pornography before and he has asked on several occasions if she’d be open to a threesome, but from what she has said she’s sure he’s never had an affair… But I don’t think they love each other the way they should…I think it’s only a love because they have 3 kids together.

As a Christian I think she is struggling with whether to stay or get a divorce. There has been no cheating, but the marriage was never based on love. One of the church-goers has suggested to her to leave because God would not want her to be this unhappy, even though he hates divorce he does offer forgiveness. She is very unhappy almost unrecognizable to those who have known before she was married. One other leader in the church has suggested she just make it work, they made the decision (maybe not for love but they did marry) so they need to make it work. She’s come to me about it now, and I don’t know how to approach it. part of me thinks it would be okay and is understandable…but at the same time I see why she would need to suck it up and stick it out. Any ideas?

I have a friend, she is not a real close friend, but she has shown me kindness in the past. This gal (my age, 60) lost her job and has asked me for 00 until her vacation pay and severance arrive. She obviously has absolutely no savings or rainy day funds. (I did not know this about her). I asked if she had contacted our church, and she said that her daughter (age 35, they live together) had not paid back a 00 loan the church had made her a while back (I knew about this loan, the daughter had an arrest warrant out for her for a bunch of unpaid parking tickets, so our church lent her 00). So they obviously are reluctant to ask again at the church because they were not faithful to pay back, even in installments, the loan from before.

And all this indicates to me that they must be living above their means and don’t put paying back loans high on their priority list. (2 strikes?)

But then again, hard times can fall on anyone, and where else does one go, but to one’s friends, especially those who have their act together.

How does one know if one is an enabler, a sucker, or a hard-hearted person (if I refuse).
The daughter does have a job, that’s why I am surprised they have no surplus to fall back on, but the mother has been suspended a couple of times from her job, each time for approximately two weeks, without pay. The only extravagance I see is that the daughter gets a manicure and pedicure regularly and is very overweight, so they may spend a lot on food. But I don’t see them as spendthrifts, still I am concerned that they lack even a hint of financial wisdom.
The daughter does have a job, that’s why I am surprised they have no surplus to fall back on, but the mother has been suspended a couple of times from her job, each time for approximately two weeks, without pay. The only extravagance I see is that the daughter gets a manicure and pedicure regularly and is very overweight, so they may spend a lot on food. But I don’t see them as spendthrifts, still I am concerned that they lack even a hint of financial wisdom.

I am very worried about my bi-polar friend. She’s been hospitalized twice in the last 5 months. She doesn’t have family that can help her out. She can’t hold down a job because she’s agoraphobic (afraid to leave her home). I got her to on Social Security Disability so she wouldn’t lose the home she bought before she "lost her mind". I have control of her bank account and have all her bills and mortgage statement sent to me, so that I can make sure they get paid. The problem is, after her mortgage and common charges are paid, there is hardly anything left for utilites, food and other living expenses. I tried to get her to apply for welfare and food stamps, but she was declined because she owns property and because of the amount of money she gets from Social Security. Sometimes, I add money into her account to cover her bills – but I really can’t afford to keep doing this. She still needs more money. What can I do? I’ve called churches, but they said "we do not give hand outs!"
Not enough room to give all the details above. The problem with her, is most of the time, she just can’t function. Once in a while, she has a good day and seems like a normal person, but it’s really rare. I do have her hooked up with a local mental facility that she goes to once a month to get her medication, and I got her on Medicaid, but I don’t know what to do with her other living expenses. She REFUSES to sell her home! She goes into a rage when I bring it up and starts crying because she says it’s the only place she feels safe. So, until she recovers (or IF she recovers) I think it’s for the best to keep her in the home she loves so much. She lives in CONNECTICUT. I hooked her up with a charity there called Person to person for cloths and food – but because she’s single, the amount of food they give her isn’t enough to last the entire month. I hooked her up with help for heat – but that’s only for the winter – what can I do with her utilities for the rest of the year?
The reason I am doing this is because she has no family and can’t do all this by herself. If I didn’t do all this – she’s be homeless. I have exhaused every source of help that is out there in Connecticut that I can think of – is there anyone out there that can help me think of ways to get her money to cover utilities, toilet paper, tampons, toothpaste, shampoo and food? Again, the food bank doesn’t supply enough food for the entire month, and they don’t provide toilet paper, shampoo and other basic hygene products. PLEASE – I need ideas, suggestions.

I’m not a relative so I can’t go to the courts – and I’ve tried to talk with her social worker at the mental health crisis center – but the won’t talk with me for confidentiality reasons. I’m all out of ideas! I don’t have "power or atty" – she just handed over her bank account to me because she "can’t deal with it". Her other friends aren’t financially able to help – and I can’t afford to subsidize her leftover expenses. HELP!
Guys, please be nice. This woman is NOT a dead beat. She’s very sick. She’s struggled with her illness for a long time and was an executive assistant for 17 years. She used to work 12-16 hours a day for years in an extremely high pressured envoinment before she had her breakdown. I think the long hours she used to work, plus losing her jobs at corporations that had financial problems is partly to blame with her breakdown. That’s how she was able to buy a home – back when she was working. But all her all of her savings and 401K went as a down payment on her home – so there are no savings left – its completely dried up. Remember – some people with her illness/disabilty NEVER work – she did for almost 2 decades. Cut her some slack. This could happen to anyone, even you and would you want people to be unsympathtic to you if you got sick and couldn’t work anymore? Be humane please.
Re: "Does she have a drinking problem?" Technically, she did. Since I took over her bank account – I took away her debit card and placed a password on her account so she could not order a new one behind my back. I did this so she wouldn’t blow her Social Security check on alcohol and other worthless things to guarantee that her mortgage and maintenance charges are paid each month. I’ve reviewed her account for the last year – and the only transactions are the ones I’ve made online for her bills. Since there’s nothing left after paying for the roof over her head – there’s ABSOLUTELY no money for alcohol. There isn’t even money for groceries and the electric bill – I’ll be darned if I’m going to give her money for whiskey and cigarettes. Food is a necessity. Alcohol is not. To the best of my knowledge she hasn’t had a drink since I’ve taken over her account – even if it’s only because she doesn’t have the money to abuse alcohol anymore. That’s the back story for her and alcohol
Sun, thank you for your suggestion. The utilties are a scaled down as the can get: cable is included with common charges – so that can’t be eliminated. No internet for her anymore, but I have to keep her phone connected so she can call me if there’s a crisis or so she can call 911 or the mental health center if she’s having a crisis. But no extra features like Caller ID. Just a dial tone. Not even long distance.

NikkisMo: No, I didn’t call the govnm’t center because I didn’t even think of it. Now that you mentioned it – I will do that TODAY. Thank you for thinking of something I didn’t think of! You guys are great. I knew Yahoo! Answers would be helpful. I know I haven’t thought of everything I could do – and that’s why I came here. Thank you again for all your sugesstions, Please – keep them coming.
Sun, thank you for your suggestion. The utilties are a scaled down as the can get: cable is included with common charges – so that can’t be eliminated. No internet for her anymore, but I have to keep her phone connected so she can call me if there’s a crisis or so she can call 911 or the mental health center if she’s having a crisis. But no extra features like Caller ID. Just a dial tone. Not even long distance.

NikkisMo: No, I didn’t call the govnm’t center because I didn’t even think of it. Now that you mentioned it – I will do that TODAY. Thank you for thinking of something I didn’t think of! You guys are great. I knew Yahoo! Answers would be helpful. I know I haven’t thought of everything I could do – and that’s why I came here. Thank you again for all your sugesstions, Please – keep them coming.

Being a follower and a gamer, it amazes me how many ‘lost’ gamers there are. When religion is brought up online, it’s always an one-sided slaughter for anyone arguing for it. Gaming in general is becoming more and more popular and I don’t feel there’s a better way to reach the youth than thru something that encompasses their generation.

My thoughts would be a gaming center with computers, consoles, and board games as well as other interesting activities. The place would be decorated with verses (written in Hebrew) on the walls but not overly-done as to make non-Christians ‘uncomfortable’. I figured I could team with the local churches and give discount/free gaming hours to those who attend church regularly or participate in missions or volunteering. I know this wouldn’t be a great source of income for me and my current job is a blessing in itself, I’d need investors and/or a business loan. I’m mainly looking for steps from those with knowledge of starting their own business.

When I used to go to church we got a new pastor. As time went by it began to bother me that he STILL hadn’t gotten a job. It bothered me because I knew the church members were tithing and giving monetary offerings ( including me). I felt the money could be used for upkeep on the building and the mortgage and utility bills etc. In the mean time the church helped the pastor buy a used double wide. Should this have bothered me? Question #2 , how common is this?

My husband and I have been forced to change jobs which in turn meant that we had to settle for a pretty big pay cut (long story). Anyway, the bills and rent are still due regardless and we really want to steer clear of any kind of payday advance places (mainly because they usually require that you’ve been on your current job for at least 3 months before they loan you anything) or any of these fast cash places because the interest rates are through the roof and if you don’t pay them on time, they call the whole damn neighborhood looking for you!
I was thinking of anything that a local church might be able to do or even our local Department of Social Services until we recover, get back on our feet and once again have steady paychecks flowing? But whatever the solution, it has to provide us with the assistance pretty much immediately or at the latest, the next day. –Unfortunately, overdraft money is not an option at the time either

I went through a bitter divorce and am stranded 5000 miles away from my entire family. I can’t afford to get home and I’m about to be homeless here so I decided to ask a wealthy friend of my mother’s for a loan. I’m sending her an email and wanted ya’ll thoughts on it and on asking someone I barely know for money?

Dr. BLANK

I want to first apologize for the purpose of this email. Its unbelievably rude of me to do so but I’ve tried everything I can to do things on my own and have failed miserably. Writing to you is sort of a last ditch effort.

I’m sure your aware of some of the trials I’ve had in 2008. I’ve unfortunately never been able to get my feet back under me. The last 6months or so have been a major struggle. I’m living in the spare room of a friend and her family. Living with them at first was good but its become increasingly toxic due to her husband.

In December my lease is up and he has made it clear that by the 20th I’m out. I am unable to afford to live on my own. I‘m a waitress and am unable to make ends meet. For several months I brought home less than 00. I’m no longer financially able to take care of myself. I’ve had to have the church help with rent twice and am facing having to ask them for help again. I’ve tried to get public assistance but because I have roommates I don’t qualify.

The cost of living in this area is far beyond my current ability. My best chance to recover is to get back home. But I can’t afford to get home either. It would cost me somewhere between 00-3000 to ship my things and fly home. I can barely keep my account out of the red most months let alone save up that kind of money.

Because of the divorce my credit is tanked so getting a bank loan isn’t available. This is why I’ve written to you. I wanted to know if there is anyway that I can work something out with you . I’d be willing to work of the money or pay at it back as soon as I’m able to get a job back home. I’d also get a receipt for every penny spent.

I know its incredibly inappropriate to ask you for this I just don’t know where else to turn. Given the state of my credit score I could see why you would consider this a poor investment and say no….that’s completely understandable and I’d be totally ok with that.

If you could email me or call me I’d appreciate it. Just by you taking the time to read this email I’m more grateful than I have words for. I sincerely apologize again for even asking you.

My Name

THis friend has lost al his savings, maxed out home equity and credit cards too. We think he has charged his corporate card and unless he pays off the balance might loose his job. He has closed his trading accounts and his church is helping him too. A few of his friends and I want to help but want to do this:
1. Ensure this time he has really quit and
2. We are giving him a loan (no interest required) and that he will pay us back within a few years.

How do we proceed?

I got layed off my job and I need a little help with my mortgage to help me get back on my feet if someone know of a org. or church that can help me with one house note payment that would help me and my family keep a roof over our head. Please somebody anybody email me at jjdw2006@yahoo.com

This Contractor has a business that is registered with the BBB but I can not get anyone from the BBB to call me back and we have paid for all but 3000 of the job and he only has done framing and drywall some painting and some mudding the ceiling and the rest of the project is not finished and he will not return our calls or answer our messages. He has a key to our house and now my husband is leaving in the military and I do not know what to do it has been since last october since he has touched the job. How do I pursue this I do not have a lot of money for an attorney and I am stuck with a second mortgage because I can not refinance because he took all the money and did not finish the job.

In spite of having a top notch credit score for two decades, a strong self-employed job for two years next month, a two-income family, and a renter of half our building with the other half being rented in a month or two….I’ve been unable to find any local bank (or even a local "national" bank) willing to refinance so my sis and I can get away from an 8.5 per cent interest mortgage.

HERE’S MY QUESTION: are there ANY banks out there who are less stupid than the ones I’ve gone to and who ARE refinancing and WANT my money??? Can you name them to me? How can I find them without going through ALL the paperwork and time, only to be turned down over and over for one ridiculous reason after another?

PLEASE NOTE: I’m not asking why banks don’t refinance right now. I’ve heard those excuses. I’m just asking if ANY are refinancing commercial loans. lol .
I have no idea what the first answer below is talking about. I didn’t ask if I qualify for a commercial loan. I already HAVE a commercial loan. And getting a "straw buyer" seems like a poor idea. I’m just wanting to know if ANY banks are refinancing commercial loans for low-risk folks like myself, and HOW do I find them??

I’m currently renting but once my apartment lease is up, I’d like to buy a manufactured home, but with the economy the way it is, I’m worried that will affect me negatively. I do have good credit, but only being 19 years old, there isn’t very much of it. So, what are my chances of getting approved for a mortgage? Also, if anyone knows, about how much do manufactured homes run for (2 or 3 bedroom, 2 bath)?
How thoughtful of you to seem so concerned, but nonetheless, I AM buying one, so screw off, eh?
I’ve had my job for a year and a half, and I’ve been working since I was 16. What both of you don’t understand is buying a house, lot and all, right now is NOT an option for me – but I’m sick of renting apartments, especially with how expensive they are. I know manufactured homes are cheap (I want new – not used) and I’m well aware that mobile home parks rent the lot – and guess what. The lot rent is A LOT less than half the amount I pay for rent at an apartment. I know someone who is paying for a manufactured home and renting the lot for it – and both payments combined is a good 300 dollars less then my rent.

I purchased the property at a 13.5% cap rate, 63% LTV with an investor loan last week. It’s non owner occupied, I’m self employed my fiance has a regular job. The property will cash flow 0 with a 30 year loan at 7%, 0 for a 20 year loan. I’d like to finance it without having to use any of our incomes from our jobs to pay back the loan, just the income from the property. Any suggestions on who to start talking to, and what action to take. Should I get a commercial loan? Or a residential loan with a commercial appraisal? I’m looking for 75% LTV after the refi.

I am a single mother of 2 children under the age of 5. I just recently moved from an apartment to a house and i desperatly need a washer & dryer. I could also used some other necessary household items, but the most needed right now is a washer & dryer. I have a job, so I can make payments. I am having a really hard time getting a loan from anyone because of old mistakes that happened over 5 years ago; bad credit reports. If anyone knows of any company who is willing to take a chance on people like me, appliance stores or financial institutions, please let me know, it is GREATLY appreciated. I live in the central valley of California. Thank you!

i am finding out it seems very hard to get a line of credit for a job today. does any one have any type of idea on how to get a line of credit for a job that has funds all ready allocated for the work. the funds are to cover labor and materials until a 45 day draw is released for the work. i use to just give the bank the contract and they would give me 100,000 no problem. do i need to look at banks in other country’s or what. is the American dream dead. please help

I want to request a loan on Prosper.com for ,000, to study a foreign language abroad for a year and a half, with the ultimate goal of landing a job as a translator with a DoD contractor, the recruiter for which I’ve already lined up the slot for. I get the training, I get the job. I can’t get a "conventional student loan" because this school is not on the "approved" lists. I have good credit, so I’m sure I can get the loan.

Here’s the thing: It’s a full time study course. I can’t be employed while I study there. So I need the repayment of the loan to be deferred at least 6 months after I graduate. I can complete my studies in 1.5 years.

Will I be able to defer my first payment until after I graduate? I know conventional and private education lenders (like the Astrive student loan commercials say) will defer, but will Prosper lenders do it?

If not, can you point me in a direction?

Thanks for any responses.
I figured they wouldn’t. The name of the school is The Fajr Center For The Arabic Language. www.fajr.com. Maybe someone can point me in the direction of a lender who handles this kind of situation.

Thanks for the response.

I have pretty bad credit (480s probably) … its all silly stuff/education that added up – about ,000 worth.

I own free and clear a residental/commercial property with a large house on in – been fixing up the house. I have a rebuild letter from the city, so it can be financed as a regular residental home mortage or whatever. (Being its residential/commercial propery, if it burnt down – the town would only let commercial buildings be rebuilt – but with a rebuild letter – it can stay a residental or whatever I want)

It was valued by the realitor at about 5,000 (and I owe nothing on it) – I would like to get a loan for ,000 to pay off all my debts and put the rest into the home…

How can I accomplish this? What companys would do this? What type of financing should I do (mortage, equity??) ..

I am self employed – 2 yrs on the job

Just got a job as a commercial lender last week and was wondering what some stats were for other companies out there.

What is your average loan size?
What is the average commission?
What % of that commission do you get?
Do you get a base pay?

Today on the news they were just telling us the American people what their plan was. Obama seems to be content with it so i dont know. But
i must say this doesn’t sound like what i thought he was trying to do.

Federal Deposit Insurance Corp. Chairman Sheila Bair said she expects her agency will finance as much as 0 billion in purchases of residential and commercial real estate loans.

okay so let me get this right.. The banks screwed us cause well their good talkers. Screwed themselves. We pay money we dont have. Alot of americans lost their homes due to greedy banks and people making us loose our job and our homes in forecloser. And now with our money they buy our homes with our money?

http://cosmos.bcst.yahoo.com/up/player/popup/?rn=3906861&cl=12618169&ch=4226720&src=news

Wouldn’t it been better to just buy the houses from the start and let us stay in their and have some sort of i.o.u. policy?

what do you think?

To whom it may concern,
Hello, my name is Eddie. The reason for this post is because I’m looking for a hard money loan or a loan without requirements. I need a bridge to finance a property that I want to buy and invest in. I do have a job but I don’t have good credit or assets to put down as collateral but I was hoping to secure this loan with the piece of real property that I want to buy. I don’t know if it works that way but that’s what I was hoping to accomplish. The property I want to buy is in the City of Oceanside California, San Diego County. It’s a 2bdrm. 2baths. Condo currently listed at 9,900 it’s an REO Bank Owned Property and the agent told me that the bank MIGHT take a lower offer. I was hoping to get a loan for 9,900 and then offer 0,000 and hopefully get it at 0,000 and then fix up the condo for sale in like a month or two and list it at 0,000. The condo needs some repairs but nothing major. Please help.

eddielugan@yahoo.com

Our house has been on the market for 7mos.
We just changed the Realtor and hoping to have the house sold by mid June.

But our house isn’t financable.
I’ve heard of private financers, but how (if anybody knows) does one go about getting a loan from one?

If any of this matters, its listed at 9,900.00 with 3 bed 2 bath and 1500 sq.ft. on a private street.
Answering Jen’s question’s.
It isn’t financable because it was built in March 1976 and has no foundation.
Our first realtor marketed it as a complete dump, so she can get it torn down and have another modular put on for double commission.
Our house is very nice. here is a link

http://annwong.com/Home,_Land,__Sales,_Bishop_CA,_Mammoth,_Eastern,__Sierra,_Housing_homes_for_sale.shtml

and our MLS is 2306118.

and yes it is a manufactured home, triple wide.

Just about a week ago we changed realtors and I’m very confident that they will do an excellent job selling it.