Alpine Credits has a Column

Over the last month, Alpine Credits has been keeping you up-to-date with the latest goings on in the financial world in Canada including Jim Flahtery’s decision to change home equity loans, the most up-to-the-minute news on Twitter, this blog about Bad Credit Loans BC and now, they have a column as well.

Read about how Canada’s epic win at the Olympic Games mirrors the average Canadians struggle to rebuilt their life in this recession with a home equity loan.

Bad credit loans in BC, Alberta are Alpine Credits’ specialty. Where the banks say no, they say yes. If you own your home, they can lend you the money, no matter how old you are, whether you own your own business so it is hard to verify your income or even if your credit’s no good.

It’s simple. If you own your home, Alpine Credits will lend you the money.

Mountains and Mountains and Mountains of Debt

Do you look at your kitchen table and see nothing but bills? It can get a little overwhelming. Piles of statements from credit card companies and department stores and phone companies – and why do they always have to come at exactly the same time!?

Looking at a scattered assortment of credit can be so scary, that some people just put it off. They just close their eyes and hope they’ll go away.

Even more dangerous is the auto-pay option with rent and phone bills, where it just comes straight out of your account, without you even noticing. Yikes! How many times have you gone into overdraft without even realizing. Then there are cheques you wrote but forgot about, and now they are coming up NSF.

People are calling, collectors are leaving messages.

“Leave me alone!” is all you can think.

If this nightmare seems familiar – there are things you can do to remedy your situation. The first step is to CONSOLIDATE YOUR DEBT. Take all of your bills, that mountain on your table, and crunch them all up into a little ball. Now, don’t throw them into the garbage can just yet, but think of it like that. With one phone call to Alpine Credits, we can use your home equity to turn all of that mess into one low monthly payment. And then you’re done with it! Your fees could be reduced by as much as 2/3rds. We’ve seen people paying $1500 a month in fees, suddenly start paying $500. It’s not a miracle, it’s just the power of your home equity.

So if you own a home, give us a call today, and we can turn that mountain, into a molehill.

mountains of debt

Home Equity Loans Explained in 30 Seconds

The whole concept of Home Equity can seem a bit baffling at first.

First of all – what is equity? And why would you be willing to give me hundreds of thousands of dollars, just because I own my home?

If it seems too good to be true. It isn’t. It’s just simple math. You have been putting money into your home for years, and now, you have every right to take that money back out to use it as you want.

• You could start your own business.
• You could get rid of all of your debt.
• You could take a second honeymoon.
• You could put your kids through university.
• You could even get that car you always wanted.

Anything is possible!

Here is a 30-second demonstration to explain it a bit more clearly for you.

And if you have any further questions about how we can help with Bad Credit Loans BC, Alberta no matter how far away, give us a call, or visit our website

Bad Credit Loan BC

Are you making the most of your home?

All of the money you’ve put into your home – it’s still there. It’s stored in an investment that finance people call “equity.” If you’ve been paying your mortgage diligently for years, you could be entitled to hundreds of thousands of dollars.

Right now, only your bank has access to that money. But you could be using it: To improve your life, or to grow your investments. Whether it’s paying off your debt in one swoop, expanding your business, or re-investing in your house, the opportunity is there for you to utilize your assets.

Don’t be discouraged by the banks. Our criteria is simple. If you have a home, we’ll provide you with the money you need to reach your goals, no matter what. We don’t judge. Because we’ve all been there. Your home’s worth a loan. That’s our straightforward, no-nonsense policy. Everything in life should be so simple.

open the door to financial security

Get Your Home Equity Loan Now – Before Jim Flaherty Ruins the Party on April 19th

As if the government didn’t have its hands in your pockets and into your business enough, they now want to limit how much – of your own money – you are allowed to access.

Unbelievable, but true. Starting April 19^th the federal government will issue a law that will restrict the amount of money can borrow against your house in what is called a ‘home equity loan.’ The money you have tied up in equity is technically your money – 100% – but Finance Minister Jim Flaherty wants to make sure that you can’t access it all.

His goal is to tighten mortgage rules to crack down on speculators and discourage homeowners from taking on too much debt amid threats of an ‘overheating’ housing market and concerns of a housing bubble, about to burst.

Who suffers with stiffer regulation? The borrowers.

Want an insured mortgage? In order to qualify, you will have to meet the standards for a five-year fixed-rate mortgage even if the interest you are paying is less.

Want to borrow against your equity? The government will limit the amount Canadians can borrow on their homes from the current 95 per cent of the value to 90 per cent.

Want to buy? Forget it. You need a 20% down-payment now.

In practical terms, it means that on the average $337,000 home, homeowners will need to have the financial means to absorb an additional $2,500 in mortgage costs a year, the TD Bank says.

All is not lost. You can still get a home equity loan for up to 95% of your home’s value if you act before April 19^th, when the new regulations come into play.

You can read more about the stringent regulations coming into effect on April 19^th here: http://ca.news.finance.yahoo.com/s/16022010/2/biz-finance-finance-minister-cracks-speculators-tightens-mortgage-rules.html

Jimbo wants to put the brakes on.

Home Sweet Loan

Who is Alpine Credits?

Why do I need them when I can just borrow money from the bank?

Read on, dear reader, read on. This blog will provide many reasons about why the banks may come up short for you, just when you need them most. And if you own your home, Alpine Credits is more than happy to help.

We are can-do, optimistic lenders, with our mind in the big picture. We don’t judge. No matter what your credit, age, or income, we don’t turn our noses up at anyone. If you own your home, Alpine Credits can get you the money you need – no matter what. Simple as that. Your success is our success.

Home Sweet Loan

Get the money you need without the drama

Let’s keep this simple. You own your home. That’s a great start in building a secure financial future. But do you know what your house is beyond just a place to live in? It’s pure capital.

You can use your equity to invest in yourself. You can build that kitchen you’ve always wanted. Or, consolidate mountains of credit card debt. If you leverage the value of your home, it can free up thousands of dollars. 

With some startup capital you can have your very own business. Most people start a business and they are in debt, taking years to reach a break-even point. But if you own a home, you’re ahead, after all, most people don’t. Use your current success as a stepping-stone to future achievements.

Your home is the most valuable thing that you own. So why just leave it at that? Invest in yourself. A new kitchen, a garage, or a new pool can increase the value of your property many times over.

We are in the middle of a recession, and Canadians from coast to coast are suffering with debt. If you own a home, consider yourself lucky. We can consolidate your debt into one easy payment that is far more manageable. We have been known to reduce people’s debt by up to 2/3rds.

To find out more, contact Alpine Credits today.

money sans drama

Bad Credit Loans in BC

If you have bad credit, no credit or a history of bankruptcy, you might have trouble getting a loan from the banks. If you are looking for a home equity loan, you can pretty much forget it, because the banks won’t touch anything they deem as ‘too risky.’

Alpine Credits, on the other hand, only looks at one thing – do you own a home. If you are a homeowner, then you have all of the collateral you need. Alpine Credits will lend you $10K, $20K, even $300K based on the value of the equity you’ve built up in your home.

If you have thought about doing a new kitchen renovation, or putting in a new deck or pool – those kinds of investments only increase the value of your home, and subsequently – your equity.

Re-investing in yourself through a new business is also a good way to make use of your home equity.

And most importantly, if you can consolidate all of your high-cost debt into one low monthly payment – you are saving yourself money right out of the gate.

If you have bad credit, or no credit and you are seeking a bad credit loan in BC or Alberta, you don’t need to worry about the rejection from the banks – Alpine Credits can help you to make your financial dreams a reality.

When the banks won't help.

Follow, Friend, and Get Connected

You can follow Alpine Credits on Twitter, befriend us on Facebook, or get connected with us on LinkedIn.

Join us in the social media revolution, and let your voice be heard.

Why?

1. To keep up-to-date with the latest fluctuations in interest rates.
2. To be the first to take advantage of our contests.
3. To be the first to know changes in borrowing legislation.
4. To keep in the loop with the best deals.
5. To be the first to claim prizes.
6. To seize new opportunities in your home equity that you never knew possible.
7. We’ll be your Facebook friend, and follow you on Twitter right back.

Join us on Twitter

Why Alpine Credits?

This is a question we get asked all the time. If I want to borrow money, why would I go to Alpine Credits when I can just go to the bank?

Simply put, banks discriminate.

If you have bad credit, they won’t let you get a home equity loan.

If you have your own business, so it is difficult to verify your income, they won’t do you any favours.

If you are too old, they won’t lend you money either.

Banks shut out a lot of people. Many times for all the wrong reasons. They just punch a bunch of numbers into a machine and make their assessment based on a formula. They don’t look at you as a person. They judge you as a number.

At Alpine Credits we don’t judge. We look at individual situations and we look at situations with common sense. If you were recently divorced, or just starting out in a new business, of course it will be hard to borrow money from a bank. But not from us: Bad credit loans in BC and Alberta are our specialty.

If you own a home, you are eligible for a loan. Simple.

Happy Homeowners