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Chase FreedomSM Cash Visa Signature

Earn 3 Points for every eligible $1 spent1 in purchases at: Grocery Stores, Gas Stations, Quick Service Restaurants.
Earn 1 Point for every $1 spent1 in purchases everywhere else
Get a $50 Check once you've earned $50 in rewards
Save up $200 in rewards and redeem for $250 cash back
Save with 0% APR* for up to 6 months** and No Annual Fee

Take control of your rewards with

Chase FreedomSM.

• Grocery Stores: Stock up on food, household goods and more
  
• Gas Stations: Use your card for fuel, repairs, car washes, and other purchases
  
• Quick Service Restaurants: Rewards add up fast from pizza to hamburgers to tacos - even sandwich shops, coffee houses and more
  
  


• Earn 1 Point for every $1 spent1 in purchases everywhere else
  
• Reward yourself with as few as 1,000 Points
  
• Save with 0% APR* for up to 6 months** and No Annual Fee
  

DID YOU KNOW?

	Choosing to eliminate your consumer debt is the best financial decision you can make. Having excessive debt is the cause for much worry and stress. In order to free themselves from this huge burden, many consumers acquire debt consolidation loans. Unfortunately, getting a loan to consolidate debt requires a good credit rating, homeownership, or collateral. If you do not meet the criteria for obtaining a loan, online debt management services may be the way out. What are Debt Management Services? Debt management services are agencies that assist consumers in their endeavor to become debt free. There are two types of debt management services. These include agencies that charge a monthly fee for their services, and non-profit agencies. To avoid scams and fraudulent companies, it may be wise to select a non-profit agency. The main goal of debt management services is to reduce your debts and put you on the path toward becoming debt free. To accomplish this goal, a representative from the agency will request information about your creditors and debt amounts. Once you submit this information, the representative assigned to your account will contact each creditor. Through negotiating, the agency will be able to get late fees waived and interest rates reduced. After the debt management service and your creditors reach an agreement, the agency will lump all your debt into a single loan. Your existing credit accounts will be temporary frozen; thus, you are unable to acquire additional debt. If you decide to no longer use the debt management service, your accounts are unfrozen. Each month, payment is sent to the debt management agency, and not your existing creditors. How to Choose an Online Debt Management Service? Research and compare services before selecting a debt management agency. The internet is a valuable resource for finding information on various programs. Each program is different. Some programs require a minimum or maximum debt amount. Furthermore, other programs solely work with individuals who have several missed or late payments. When comparing different debt management services, request quotes that include detail information pertaining to estimated payoff dates and monthly payments.

The FHA Home Loan is a home loan program established by the federal government in order to assist more families in being able to achieve the American dream of owning your own home. The FHA home loan is specifically designed for the first time home buyer but can also be accessed by any other home buyer who does not already have an outstanding FHA home loan. The FHA home loan assists minorities, low-income families and people with bad credit to acquire a home which helps them to build home equity and increase good credit history. Applying for the FHA home loan is relatively easy and you will quickly learn whether or not you have qualified.

FHA History

The FHA is the Federal Housing Administration, a branch of the United States federal government established in 1934 as part of the National Housing Act. The mission of the Federal Housing Administration is to provide FHA home loans to make owning a home a reality across a wide demographic throughout the country. The FHA home loan program also helps to stabilize the mortgage market which is a real estate benefit to all home owners, irrelevant of whether or not they obtained their homes through assistance from an FHA home loan.

Benefits of the FHA home loan

In comparison with a private or conventional home loan, the FHA home loan is likely to have slightly lower interest rates. However, the reason for application through the FHA home loan is more likely to be related to credit history. A person with no credit history or poor credit history is much more likely to qualify for an FHA home loan than for a conventional home loan. The FHA home loan is more forgiving of bankruptcy problems and other similar issues.

Applying and qualifying for the FHA home loan

An application for the FHA home loan can be downloaded and completed online. After the application for the FHA home loan has been submitted, it will be reviewed for basic qualifications. Approximately eighty percent of submitted FHA home loan applications meet the basic requirements for the next step which is consultation with an FHA home loan representative. This specialist will go over the details of your application more carefully and talk with you about the FHA home loan. You should know within just a few weeks whether or not you will qualify for the FHA home loan.

Repayment of the FHA home loan

In terms of repayment, the FHA home loan is exactly like any other home loan. Interest will be calculated and added to the payment which is made in monthly installments. Failure to repay the FHA home loan will result in repossession of the home. A home which is taken control of by the federal government as a result of failure to repay an FHA home loan is known as a HUD home, because it is owned by the government branch known as Housing and Urban Development. HUD works in conjunction with the FHA home loan program to provide accessible housing to a larger number of Americans.