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For example, with a 31 ARM loan, the 3 in the name indicates that the loan has a fixed interest rate for the first three years. Afterward, the rate is adjusted on a yearly basis, as indicated by the 1.
Conventional mortgage. This is a mortgage loan that is issued with no government backing. A conventional mortgage might come with a fixed rate or an adjustable rate. Government-insured mortgage.
Com. Murray says his company - not unlike eTaxLoan - is really a marketing firm. "We are a matching service, just like an Expedia is for a travel company or a Hotels. com is for a hotel company," Murray says. But instead of matching travelers with hotels, Murray matches those who need cash - and can't get it elsewhere - with those willing to lend.
For that, he might get anywhere from 1 to 100 per lead. Murray draws a big distinction between his company and others in the business. He says he's completely aboveboard and works only with partners he trusts. "We have a pretty limited network of lenders, and we know what each of our lenders is personal loan agreement document for," he says.
"So whether it's a certain state or other qualifications or characteristics of the customer, it will match the appropriate lender based on those things.