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Blue Cash from American Express

No annual fee
Up to 5% cash back on all qualified purchases with Unlimited Cash Rewards
Flexibility to pay over time
"0% Intro APR for 6 months."
Online application approval decisions in under 60 seconds
Balance transfer requests submitted on application receive APR of 4.99% for life of the balance.
Go To Rate: Prime + as low as 4.99%
Express Approval. Get a decision in less than 60 seconds.

Take a look at some of the great benefits offered by Blue Cash from American Express! · No annual fee · Up to 5% cash back · 0% Introductory APR
Take a look at some of the great benefits offered by
American Express® Blue CashSM
No annual fee
Earn up to 5% cash back at the places you frequent most, like supermarkets, drugstores and gas stations.
Express Pay is built into the card! Checking out is a breeze with the built-in ExpressPay feature, a payment technology that lets you make purchases without having to swipe your Blue Cash from American Express
0% Introductory APR; as low as a variable Prime + 4.99% APR thereafter
Up to $100,000 line of credit
Choose to carry a balance or pay in full
Online Fraud Protection Guarantee--protects you against unauthorized purchases online.
Built-in Smart Chip--for added Internet security.
Plus, An Exciting, Free Rewards Program
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DID YOU KNOW?

	The lower your interest rate on your refinance mortgage, the more money you will save. But not all refinance loans are created equal. To get the lowest interest rates, follow these three tips when applying for you refinancing. 1. Refinance Your Entire Mortgage Refinancing your entire mortgage will help you to qualify for the lowest rates. Having split mortgages or a home equity line of credit elevates your risk level and rates. However, if you have a really good rate on one mortgage, then you may not want to combine those mortgages. Take the time to request quotes for both loan situations. Within minutes, you can get an answer from lenders and know which is your best option. 2. Don’t Cash Out Your Equity Cashing out part or all of your home’s equity will also raise your refinance rates. So keep that equity in place while you apply for refinancing. It acts much like a down payment did for your original home loan. The larger your equity, the better your rates. If you want to tap into your equity, consider applying for a separate loan after you refinance, like a home equity line of credit. That way you won’t be paying a higher rate on your entire principal. 3. Lower Your Rate With Points As with your first mortgage, you can lower your rates by buying points. This is a bit risky in that you have to keep your loan for seven years usually to recoup the cost. To make sure this is your best choice, compare lending offers. Calculate the cost of points and your potential savings. In addition to these tips, comparison shopping will also help you get a lower interest rate. Each lender looks at refinancing applications differently, so with careful searching, you can get a better deal. Start by requesting a loan quote, then compare numbers, both interest and closing costs. Just remember that the lowest interest rate will not always be the cheapest loan. Factor in the cost of fees to be sure you will come out on top, especially if you plan to sell or refinance in a couple of years.

If you are interested in buying a new home or refinancing the one you are currently living in, but think that you are out of luck because you have bad credit, think again.

The mortgage industry is probably larger and more diverse than you realize. You no longer have to go down the street to your local bank to get a mortgage where they only work with people with excellent credit.

There are literally thousands of mortgage lenders across the United States, better known as wholesale lenders with programs specializing in lending money to people with challenged credit.

These lending institutions are called wholesale lenders because they work with brokers, who in turn, find the wholesalers customers.

A broker is not a lender, they council and educate you during the mortgage process from beginning to end, they also are responsible for finding a lender to accommodate your mortgage needs.

Mortgage brokers have access too literally hundreds of lenders across the country. So chances are, they can find you a lender with a specific program to fit your needs. Regardless if you have poor credit or need a program that offers no money down.

Keep in mind, the mortgage industry is a very competitive one, and these brokers and wholesale lenders will compete for your business, so let them.

So don’t ever feel as though you are at the mercy of the mortgage companies or the brokers just because you have bad credit. Best of Luck.