united states – 4 Walls And A View http://4wallsandaview.com/ Tue, 15 Mar 2022 00:02:07 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://4wallsandaview.com/wp-content/uploads/2021/06/icon-5.png united states – 4 Walls And A View http://4wallsandaview.com/ 32 32 Bronco Partners Debt Consolidation Scam 2022 https://4wallsandaview.com/bronco-partners-debt-consolidation-scam-2022/ Tue, 15 Mar 2022 00:02:07 +0000 https://4wallsandaview.com/bronco-partners-debt-consolidation-scam-2022/ Ad Disclosure: We earn referral fees from advertisers. Learn more Is BroncoPartners a scam? We will let you be the judge. Bronco Partners entices you by sending you a direct mail with a “personalized invite code” and a low interest rate of 3% to 4% to consolidate your high interest credit card debt. You will […]]]>

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Is BroncoPartners a scam? We will let you be the judge.

Bronco Partners entices you by sending you a direct mail with a “personalized invite code” and a low interest rate of 3% to 4% to consolidate your high interest credit card debt. You will be directed to BroncoFunding.com or myBroncoPartners.com. More than likely, you will not qualify for one of their debt relief loans and they will try to switch you to a more expensive debt settlement product.

  • have you been “pre-approved” for a $70,000 loan?
  • Have you been told that your interest rate will drop from 19.90% to 3.15%?
  • Were you promised that your monthly payment would go from $1,320 to $323.40?
  • Have you been sold a monthly savings of $996.60?
  • Did you receive a letter in your mailbox from the Loan Acceptance Department?
  • Did your letter look like this?
Bronco Partners Debt Consolidation Scam 2022 1

It’s not new. Many unscrupulous debt marketing companies have used this as a business model for years. They lure you in with the low interest rate, shackle you for a week, then let you know you don’t qualify for a loan. They then offer you very expensive debt settlement options.

Bronco Partners BBB
Editorial credit: Kate Kultsevych

Is Broncos The partners Legit or a scam?

Crixeo.com rewarded Broncos The partners a 1-star rating (data collected and updated as of February 19, 2021). We hope the information below will help you make an informed decision on whether to do business with Knights Funding. We hope the information below will help you make an informed decision on whether to do business with Knights Funding.

  • Broncos The partners operates two websites, BroncosThe partners.com & myBroncos The partners.com.
  • Broncos The partners is part of a collection of almost 50 websites that we discovered. All are affiliated and listed below.
  • Our belief is that Broncos The partners operates so many different websites in order to escape the huge amount of complaints and negative articles on the internet.
  • We advise caution when working with Broncos The partners. Affiliate websites have several negative reviews and scam complaints.
  • Broncos The partners operates under the sovereign protection of the Mandan, Hidatsa and Arikara Nation (a/k/ MHA Nation), a Native American tribe.

Broncos The partners may be affiliated with the following websites:

  • Hawkeye Associates
  • Brice Capital
  • Capital of the Bruins
  • Loan Dale
  • Yellowhammer Associates
  • Big Apple Associates
  • Cornhusker Advisors
  • badger advisors
  • Rockville Advisors
  • Snowbird Partners
  • Gulf Street Advisors
  • Partners earlier
  • Old Dominion Associates
  • Harrison Funding
  • Johnson Funding
  • Taft Financial
  • Georgetown Funding
  • Memphis Associates
  • Tate Advisors
  • Patriot Funding
  • Malloy loan
  • Plymouth Associates
  • Silvertail Associates
  • Safe Path Advisors
  • Coral Funding
  • neon funding
  • Cobalt Advisors
  • Saxton Associates
  • Hornet Partners
  • Colony Associates
  • First State Associates
  • Polk Partners
  • Ladder Advisors
  • Corey Advisors
  • Pennon Partners
  • Jayhawk Advisors
  • Clay Advisors
  • Great Lakes Associates
  • Pin Advisors
  • Alamo Associates
  • punch partners
  • Partners of the Montagne Blanche
  • Steele Advisors
  • Grand Canyon Advisors
  • Loan of gliders
  • lucky marketing
  • Golden State Partners
  • Pin Advisors
  • Derby Advisors
  • Graylock Advisors
  • Tuck Associates
  • punch partners
  • Bowling Associates
  • Ballast Associates
  • Tweed Loan
  • loan competition
  • Graphite Financing
  • August Funding
  • Broadstar Financial
  • Salvation Funding
  • Stallion loan
  • Pebblestone Financial
  • Sussex funding
  • Lafayette financing
  • Funding for guardian angels
  • Bridgeline financing

Broncos The partners Reviews and ratings

Broncos The partners and its affiliate websites are not accredited by the BBB and have been the subject of numerous complaints and negative press under various names.

MEC Distribution LLC

At one point, Broncos The partners and its affiliate website operating as MEC Distribution, LLC. The Better Business Bureau issued its first alert on this company in February 2018:

In February 2018, BBB staff visited Fargo ND addresses provided by MEC Distribution and found that all locations were vacant and building management explained that although rent was paid by MEC Distribution, the spaces in office were not used. MEC Distribution LLC has provided BBB with a mailing address for complaint handling in Bloomfield Township Michigan. BBB’s mail to this address was returned as “undeliverable as addressed – undeliverable”. Currently, BBB does not have a physical location for this business.

BBB has confirmed with the North Dakota Department of Financial Institutions that Lafayette Funding is not licensed in North Dakota as a debt settlement company. Additionally, BBB contacted building management at the Lafayette Funding Claims address in Bismarck, North Dakota, and learned that Lafayette is not located at that address. BBB advises extreme caution when dealing with this entity.

In February 2018, BBB staff visited the Fargo ND addresses provided by MEC Distribution and found that all locations were vacant and building management explained that although rent was paid by MEC Distribution, the spaces of office were not used. MEC Distribution LLC has provided BBB with a mailing address for complaint handling in Bloomfield Township Michigan. BBB’s mail to this address was returned as “undeliverable as addressed – undeliverable”. Currently, BBB does not have a physical location for this business.

HaFinancing of the Knights BBB Reviews

You won’t find a BBB file on Financing of the Knights because the complaints haven’t started coming in yet. However, we have reviewed some complaints from its affiliate websites:

Cathy M. – 1 star review

They changed their name to Salvation Funding. After seeing this note, I understand why. I don’t know how they got my information, but they need to be stopped.

Terry W. – 1 star review

Beware of bait and switch shippers. The terms are “extremely different” from those advertised! It’s a waste of time.

My goal is to help others realize that it’s a waste of time! Pebblestone Financial’s advertisement is definitely misleading in my opinion. After my conversation with Fred, his response was, “we can definitely help you…I’ll call you tomorrow morning with the details…have a pen and paper ready to write down the numbers.” The sender includes in fine print… This review is not guaranteed if you do not meet the selected criteria.

It also further states: “This review is based on information in your credit file indicating that you meet certain criteria.” In my case, I’m not behind on payments, and neither will I be. I am current on all outstanding debts and my credit history demonstrates it. When Fred called the next morning… his terms were totally ridiculous and, in my opinion, “predatory loans”. When I asked Fred…are those the terms of Pebblestone’s offer, he said yes. I replied, I’m not interested in those terms and he hung up the phone immediately with no further conversation.

The reason I responded to Pebblestone Financial’s offer was to consolidate and simplify with one payment and take advantage of the low pre-approved average rate of 3.67%. While I currently pay between 10.9% and 12.9% to credit card companies…this offer was attractive. The sender stated in BIG BOLD PRINT: You have been pre-approved for a debt consolidation loan with a rate as low as 3.67%. The pre-approved loan amount was actually $11,500 more than my total debt consolidation.

In summary… it’s definitely a “Bait and Switch” scheme in my opinion. I checked BBB feedback before responding to this offer and have not seen any negative feedback. Now I see other very similar answers with the same “Bait and Switch” experience. Hope this helps others avoid wasting time finding out about these unethical practices of Pebblestone Financial.

The Rent-A-Tribe Program

In recent years, hiding behind the protection of a Native American tribe has been made popular by internet payday lenders. In July 2018 Charles Hallinan, “the payday loan godfather”, was sentenced to 14 years in prison for providing payday loans through the Mowachaht/Muchalaht First Nation in British Columbia. In January 2018, Scott Tucker was sentenced to more than 16 years in prison for running an illegal $3.5 billion payday loan business while operating under “sovereign immunity” from the Modoc tribe of the United States. Oklahoma and the Santee Sioux Tribe of Nebraska.

Why do we focus on Broncos The partnersThe negative reviews?

We urge you to do your own research and due diligence on Broncos The partnersespecially when it comes to your Personal finance. We urge you to be careful what you find on the Internet. Compare the good and the bad and make an informed decision. In our experience, where there is smoke…there is fire. But you make the call.

Knights Funding Review

Bronco Partner Review – Caution Notice

Bronco Partners attracts you by sending you a direct mail with a “personalized reservation code” and a low interest rate of 3% to 4% to consolidate your high interest credit card debt. You will be directed to KnightsFunding.com or myKnightsFunding.com. More than likely, you will not qualify for one of their debt relief loans and they will try to switch you to a more expensive debt settlement product.

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Maple Grove man sentenced to five years in prison for $9.6 million scheme to defraud COVID-19 Paycheck Protection Program | USAO-MN https://4wallsandaview.com/maple-grove-man-sentenced-to-five-years-in-prison-for-9-6-million-scheme-to-defraud-covid-19-paycheck-protection-program-usao-mn/ Wed, 09 Mar 2022 23:35:07 +0000 https://4wallsandaview.com/maple-grove-man-sentenced-to-five-years-in-prison-for-9-6-million-scheme-to-defraud-covid-19-paycheck-protection-program-usao-mn/ MINNEAPOLIS — A Maple Grove man was sentenced to 60 months in prison followed by two years of supervised release for fraudulently requesting $9,619,046.46 from the U.S. Small Business Administration’s Paycheck Protection Program, which he fraudulently obtained and misappropriated more than $1.7 million. Acting U.S. Attorney Charles J. Kovats made the announcement after Senior U.S. […]]]>

MINNEAPOLIS — A Maple Grove man was sentenced to 60 months in prison followed by two years of supervised release for fraudulently requesting $9,619,046.46 from the U.S. Small Business Administration’s Paycheck Protection Program, which he fraudulently obtained and misappropriated more than $1.7 million. Acting U.S. Attorney Charles J. Kovats made the announcement after Senior U.S. District Judge David S. Doty convicted the defendant.

According to court documents, Aditya Raj Sharma, 47, was the founder, CEO and president of Crosscode Inc., a cloud-based software development company originally headquartered in Maple Grove, Minnesota. In November 2019, Sharma was removed from his executive position and fired from the company by Crosscode’s board of directors. Between May 2020 and July 2020, Sharma established three separate technology companies, Kloudgaze Inc., Neoforma LLC, and Mokume LLC.

From April 2020 to August 2020, Sharma applied for 16 loans from ten different lenders for a total of $9,619,046.46 through the US Small Business Administration’s Paycheck Protection Program (“PPP”) by submitting false and fraudulent claims under the names of its various technology companies. As part of his fraudulent scheme, Sharma submitted fabricated vouchers, made false statements about the number of employees he had and the amount of salary expenses he incurred, and made false statements about the corporate entities involved and the intended use of the loan proceeds. Sharma also applied for one of his fraudulent loans in his wife’s name without her knowledge or approval.

Additionally, on April 26, 2020, Sharma submitted an application on behalf of “Crosscode dba Kloudgaze” seeking a $562,500 PPP loan. On the app, Sharma falsely stated that “Crosscode dba Kloudgaze” was in use on February 15, 2020, even though Sharma only created Kloudgaze in May 2020. Additionally, Sharma falsely stated that he was the owner 100% and CEO of Crosscode, that Crosscode did business as Kloudgaze, and that “Crosscode dba Kloudgaze” had approximately 29 employees on its payroll, even though Minnesota state records show Sharma does not paid no salary to a single Kloudgaze employee. In support of the claim, Sharma included fraudulent supporting documents, including fabricated bank account statements.

As a result of Sharma’s fraudulent scheme, lenders approved three of his PPP applications and deposited $1,773,600 in PPP funds into bank accounts controlled by Sharma. Rather than using the funds for allowable business expenses, Sharma used the money to pay off unrelated legal debts, fund new business ventures, transfer approximately $14,000 to a financial account in India, and pay for home improvements, including landscaping and installation of a $64,300. backyard swimming pool at his residence.

On July 8, 2021, Sharma pleaded guilty to one count of wire fraud.

During the investigation, law enforcement seized approximately $674,980.76 worth of fraudulent proceeds held in multiple bank accounts controlled by Sharma. The funds seized will be forfeited to the United States and Sharma has been ordered to pay $1,773,600 in restitution.

This case is the result of an investigation by the FBI.

Assistant U.S. Attorneys Matthew S. Ebert, Jordan L. Sing, Quinn Hochhalter, and Craig R. Baune prosecuted the case.

On May 17, 2021, the Attorney General established the COVID-19 Fraud Enforcement Task Force to mobilize Department of Justice resources in partnership with government agencies to scale up enforcement and prevention efforts. pandemic-related fraud. The task force strengthens efforts to investigate and prosecute the most culpable domestic and international criminal actors and assists agencies administering relief programs to prevent fraud, among other methods, by increasing and integrating coordination mechanisms existing ones, identifying resources and techniques to uncover fraudulent actors and their agendas, and sharing and leveraging information and knowledge gained from previous enforcement efforts. For more information about the Department’s response to the pandemic, please visit https://www.justice.gov/coronavirus.

Anyone with information about alleged attempted fraud involving COVID-19 can report it by calling the Department of Justice’s National Center for Disaster Fraud (NCDF) hotline at 866-720-5721 or via NCDF’s online complaint form at: https://www. .justice.gov/disaster-fraud/ncdf-disaster-complaint-form.

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How to save on gas when prices are at record highs https://4wallsandaview.com/how-to-save-on-gas-when-prices-are-at-record-highs/ Wed, 09 Mar 2022 00:16:36 +0000 https://4wallsandaview.com/how-to-save-on-gas-when-prices-are-at-record-highs/ Drivers across the United States have faced record high gasoline prices at the pump in recent weeks. According to AAA, the national average price per gallon reached $4.07, up a staggering $1.30 from a year ago. Prices across the country have been rising since last week and aren’t expected to stop anytime soon. 5 ways […]]]>

Drivers across the United States have faced record high gasoline prices at the pump in recent weeks. According to AAA, the national average price per gallon reached $4.07, up a staggering $1.30 from a year ago. Prices across the country have been rising since last week and aren’t expected to stop anytime soon.

5 ways to save money at the gas pump

To save fuel and spend less at the pump, consider making a few adjustments to your normal driving.

1. Drive the speed limit

Regardless of your vehicle’s fuel economy, following the speed limit will help you save fuel. Your gas mileage will decrease if you drive over 50 mph. In addition to driving at the posted speed, it’s a good idea to avoid extreme acceleration or braking, which will also result in low gas mileage.

2. Shop around for the cheapest options

Before parking at the first gas station you come across, research the cheapest options in the area. You can download apps like GasBuddy, Gas Guru, and the AAA app to see where the lowest gas prices are near you.

3. Stick with regular gas options

Unless your vehicle requires premium gasoline, there’s no need to dish out the extra cash for the premium option. Sticking to regular gasoline will save you around 50 cents per gallon – a small number that can quickly add up.

4. Join a rewards program

Many grocery stores offer Loyalty programs that reward drivers who fill up at their station. Some credit cards also offer points when used at the pump. If a traditional gas station is more your style, look for the brand-specific rewards options you prefer, like the one offered by 7-Eleven.

5. Map out routes in advance

To save money on gas and time in the car, use apps like Waze to take the most efficient route available. Also plan your route in advance to make sure you don’t waste gas backing up to different areas.

Other ways to save money on vehicle costs

While it is true that the cost of powering your car can be quite high, especially now, the true cost of vehicle ownership is made up of many factors. And there are still other ways to save money as a driver.

Maintain your vehicle

Keep up to date with maintenance of your vehicle will help you avoid any unforeseen problems. Try to have your vehicle professionally checked a few times a year to avoid costly road related issues.

Limit long journeys

More miles clocked on your odometer means more trips to the gas station, but it also means more chance of mechanical problems. If you can avoid it, it might not be the best time for a long road trip. It could also be a good time to carpool or rely on public transportation when available.

Buy cheaper insurance

If you’ve had the same insurance for a long time, now might be a good time to shop around and see what other options are available. Make sure you compare quotes from multiple vendors to ensure you get the best deal.

Refinance your current car loan

You may be able to get better terms and save on your monthly payment by refinance your car loan. This is especially true if you have improved your credit score. Compare your current rates with refinanced terms to see if you can save more money by refinancing.

The record prices are due to a combination of factors

The record prices the country is facing are partly due to Russia’s invasion of Ukraine and the resulting sanctions. These penalties have resulted in a dramatic increase in the cost of crude oil, which serves as the primary ingredient to power your vehicle. As the price of crude oil rises, prices at the gas pump also rise.

Combined with potential Fed rates up and the impending impacts of the pandemic, gasoline prices are unlikely to drop any time soon. Take advantage of every available opportunity to save money in this expensive environment.

The bottom line

When it comes to owning a vehicle, the costs can add up – and the price attached to the gas pump can cause a lot of frustration. While much of the rising gas prices are out of your control, focus on the choices you can make to save.

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Looking for credit card relief? Don’t Believe These Debt Consolidation Myths | national company https://4wallsandaview.com/looking-for-credit-card-relief-dont-believe-these-debt-consolidation-myths-national-company/ Tue, 08 Mar 2022 16:39:48 +0000 https://4wallsandaview.com/looking-for-credit-card-relief-dont-believe-these-debt-consolidation-myths-national-company/ PHOENIX–(BUSINESS WIRE)–March 8, 2022– As Americans’ credit card debt levels rise, 29% are facing trouble with their liabilities, according to New York Life. This means that millions of people may need solutions such as debt consolidation, but may find information about the process confusing or misleading. “Debt consolidation offers a way to combine multiple debts […]]]>

PHOENIX–(BUSINESS WIRE)–March 8, 2022–

As Americans’ credit card debt levels rise, 29% are facing trouble with their liabilities, according to New York Life. This means that millions of people may need solutions such as debt consolidation, but may find information about the process confusing or misleading.

Debt consolidation offers a way to combine multiple debts into one payment to provide a streamlined way to repay. It’s often a great solution for people overwhelmed by multiple bills looking to regain control of their money,” said Michael Sullivan, personal financial consultant at Take Charge America, a non-profit housing and credit counseling agency. “But like other forms of debt relief, it can be difficult to separate truth from fiction.”

Sullivan busts five common debt consolidation myths:

  • You cannot pursue the consolidation yourself. False. Despite what you may hear elsewhere, debt consolidation is a process that you can initiate yourself. Consolidation can take many forms, including a debt management plan, balance transfer credit cards, and personal loans. Research the different solutions to determine which works best for you. A non-profit credit counseling session can also offer an unbiased assessment of your unique situation.
  • Consolidation eliminates your debt. False. Although consolidation is a great way to control your debt by combining multiple debts into one payment, you still have to pay off the balance. Consolidation is not forgiveness.
  • You must have good credit to pursue debt consolidation. Mostly false. When applying for a consolidation loan, good credit can help you get better terms and a lower interest rate. If you explore a debt management planyour credit score is not a factor in qualifying for the plan or obtaining lower interest rates.
  • You always save on interest. False. You can save on interest, depending on the terms of your consolidation loan. But even with a lower interest rate, you might end up paying more interest over the life of the loan if you extend the repayment period.
  • Consolidation traps you in a cycle of debt. False. Like other debt relief options, consolidation is a tool to help you regain control of your financial situation. It doesn’t solve the underlying problem, which is often overspending and mismanagement of money. If you don’t solve these problems yourself, you can easily get into debt.

To learn more about debt consolidation or other debt relief options, visit take over america.

About Take Charge America, Inc.

Founded in 1987, Take Charge America, Inc. is a non-profit agency providing financial education and counseling services, including credit counseling, debt management, student loan counseling, housing advice and bankruptcy advice. He has helped over 2 million consumers nationwide manage their personal finances and debts. To learn more, visit takechargeamerica.org or call (888) 822-9193.

Show source version on businesswire.com:https://www.businesswire.com/news/home/20220308006031/en/

CONTACT: Tim Gallen

Aker ink

(480) 335-6619

tim.gallen@akerink.com

KEYWORD: ARIZONA UNITED STATES NORTH AMERICA

KEYWORD INDUSTRY: FUNDING OF PROFESSIONAL SERVICES

SOURCE: Take Charge America, Inc.

Copyright BusinessWire 2022.

PUBLISHED: 08/03/2022 11:39 / DISK: 08/03/2022 11:39

http://www.businesswire.com/news/home/20220308006031/en

Copyright BusinessWire 2022.

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Rye eye doctor sentenced to 96 months in prison for prolific seven-year healthcare fraud scheme and Covid-19 loan fraud | USAO-SDNY https://4wallsandaview.com/rye-eye-doctor-sentenced-to-96-months-in-prison-for-prolific-seven-year-healthcare-fraud-scheme-and-covid-19-loan-fraud-usao-sdny/ Thu, 03 Mar 2022 23:43:16 +0000 https://4wallsandaview.com/rye-eye-doctor-sentenced-to-96-months-in-prison-for-prolific-seven-year-healthcare-fraud-scheme-and-covid-19-loan-fraud-usao-sdny/ Damian Williams, the United States Attorney for the Southern District of New York, announced that AMEET GOYAL, MD (“GOYAL”), an ophthalmologist in Rye, New York, was sentenced today to 96 months in prison for orchestrating a seven-year health care fraud scheme by falsely charging millions of dollars for upcoded procedures, and also for fraudulently obtaining […]]]>

Damian Williams, the United States Attorney for the Southern District of New York, announced that AMEET GOYAL, MD (“GOYAL”), an ophthalmologist in Rye, New York, was sentenced today to 96 months in prison for orchestrating a seven-year health care fraud scheme by falsely charging millions of dollars for upcoded procedures, and also for fraudulently obtaining two government-backed loans intended to help small businesses during the COVID-19 pandemic. 19 while facing bail charges for the health care fraud scheme. Imposing the sentence today, U.S. District Judge Cathy Seibel noted, “The fraud doesn’t fully capture how egregious it was and how unwarranted it was… It wasn’t a matter of need was a matter of greed. GOYAL previously pleaded guilty to all charges in a six-count replacement indictment before Judge Seibel on September 13, 2021.

In addition to the jail sentence, GOYAL was today sentenced to five years of probation and ordered to pay $3.6 million forfeiture and $3.6 million restitution. GOYAL has already paid approximately $1.79 million for these bonds.

US Attorney Damian Williams said: “A prominent ophthalmologist and oculoplastic surgeon who has now given up his medical license, AMEET GOYAL was blinded by greed. Over a period of seven years, he took advantage of the trust placed in him and deceived patients and insurance companies out of $3.6 million in false accusations. To cover his tracks, he created fictitious operative reports, strewn across hundreds of patient records, violating the integrity of patients’ medical records and making it harder for subsequent physicians to assess their care. He sent patients who couldn’t pay the coded bills to a collection agency, decimating their credit. He pressured other doctors to join the program and threatened to take revenge on their livelihoods and careers. Even after being arrested for this scheme, GOYAL committed yet another jaw-dropping fraud and stole $637,200 from the Paycheck Protection Program at the start of a devastating pandemic. For his crimes, GOYAL will serve a heavy prison sentence.

According to the allegations in the indictment, court documents and statements made during the court proceedings:

At all material times, GOYAL owned and operated the ophthalmology practice Ameet Goyal MDPC, doing business as Rye Eye Associates, with offices in Rye, Mt. Kisco and Wappingers Falls, New York, and Greenwich, Connecticut ( office “). Between 2010 and 2017, GOYAL engaged in widespread healthcare fraud by systematically “coding” simpler, lower-paying surgical procedures and exams as complex, higher-paying major operations in bills. fraudulent claims submitted to Medicare, private insurance companies, and patients. As a result, GOYAL fraudulently obtained at least $3.6 million in payments for procedures he did not perform. GOYAL failed to obtain proper consent and, at times, no consent for the coded procedures he falsely claimed to have performed. As part of this scheme, GOYAL systematically falsified patients’ medical records, creating modeled fictitious operative reports that matched the complex operation he billed for rather than the various minor procedures he actually performed. GOYAL also pressured other employees in his firm to participate in the scheme and threatened the livelihoods of employees who refused to comply. GOYAL forced patients to pay thousands of dollars out of pocket for fraudulently billed charges and initiated debt collection proceedings against patients who failed to pay the full amount of these incidental charges. Due to his fraudulent billings, GOYAL was the most billed doctor in the tri-state area for several of his fraudulently billed codes, including one he billed seven times more frequently than all doctors in the tri-state area. United States. GOYAL was indicted on the health care fraud charges in November 2019 and was released on bail.

The Coronavirus Aid, Relief, and Economic Security Act (“CARES”) is a federal law enacted on March 29, 2020, designed to provide emergency financial assistance to millions of Americans who are suffering from the economic effects caused by the COVID pandemic. -19. . One of the sources of relief provided by the CARES Act was the authorization of hundreds of billions of dollars in small business forgivable loans to maintain jobs and certain other expenses through the Check Protection Program. payroll (“PPP”) from the SBA. Applicants with pending criminal charges are not eligible for PPP loans. The PPP also limits each eligible borrower to one loan and a maximum loan amount calculated based on a company’s average monthly payroll expenses.

On or about April 2020, GOYAL applied to the SBA and Bank-1, a federally insured institution, for more than $630,000 in government-guaranteed loans through the PPP. Specifically, on or around April 21, 2020, GOYAL requested a loan in the amount of $358,700 for the business “Ameet Goyal”, with his own social security number and email address. On or about April 29, 2020, GOYAL applied for a second loan in the amount of $278,500, with a trade name “Rye eye associates”, using the employer identification number for Ameet Goyal, MDPC and a other email address controlled by GOYAL. However, to substantiate each loan, GOYAL submitted the exact same underlying payroll expense report, showing the same employees and the same payroll costs.

On both requests, GOYAL falsely replied that he had no pending criminal charges and electronically placed his initials “AG” directly below his “No” response. GOYAL also falsely certified, among other things, that his company would not receive another PPP loan until the end of the year. After gaining approval from Bank-1 and the SBA through his fraudulent misrepresentations, GOYAL executed loan memos for two loans. On May 4, 2020, GOYAL received the first loan of $358,700 and on May 11, 2021, GOYAL received the second loan of $278,500. GOYAL used the business checking account into which these funds were deposited to pay for business and personal expenses, including making a payment to a country club in Westchester, New York within days of receiving the first loan, as well as payments to a California winery and golf merchandise website.

* * *

GOYAL, 58, of Rye, New York, pleaded guilty to six alternate counts. Count 1 charged health care fraud; the second count of wire fraud; and the third count charged with misrepresentation relating to health care matters. Counts four, five and six charge the accused, while on bail, with committing the following offences, respectively: bank fraud, misrepresentation in connection with a loan application and misrepresentation in a matter within the jurisdiction of the executive branch of the United States Government.

Mr. Williams commended the work of the Federal Bureau of Investigation, the US Department of Health and Human Services, the Office of Inspector General and the SBA Office of Inspector General.

This case is handled by the White Plains Division of the Bureau. Assistant U.S. Attorneys Vladislav Vainberg, David Felton and Margery Feinzig are charged with the prosecution. A civil fraud lawsuit related to health care fraud under the False Claims Act is being processed by the Bureau’s Civil Fraud Unit. Assistant U.S. Attorney Jeffrey K. Powell is in charge of the ongoing civil case.

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There’s an easier way for rideshare and delivery drivers to get into an electric vehicle https://4wallsandaview.com/theres-an-easier-way-for-rideshare-and-delivery-drivers-to-get-into-an-electric-vehicle/ Thu, 24 Feb 2022 23:53:00 +0000 https://4wallsandaview.com/theres-an-easier-way-for-rideshare-and-delivery-drivers-to-get-into-an-electric-vehicle/ The cost and availability barriers of electric vehicles can limit access for carpool and food delivery drivers, as well as small business owners whose fleets may travel a small number of miles on the road. But at least one fintech company thinks it has the answer. Launch of the Spring Free EV EVInstaFleet this week, […]]]>

The cost and availability barriers of electric vehicles can limit access for carpool and food delivery drivers, as well as small business owners whose fleets may travel a small number of miles on the road. But at least one fintech company thinks it has the answer.

Launch of the Spring Free EV EVInstaFleet this week, a less restrictive funding structure, he says, that will allow more drivers to lease electric vehicles, and without the typical mileage limitations.

Although falling battery costs and government subsidies are closing the sticker gap between electric vehicles and comparable gas-powered cars, and that gap is expected to shrink further — especially if Congress passes the proposed incentives — getting into a vehicle purchased electricity can be more expensive initially.

Electric vehicles have a list price that is 25 to 30% higher on average than comparable gasoline-powered vehicles. Ultimately, EV drivers save more of the total cost over the life of the car when they consider maintenance and repairs, fuel costs and depreciation, according to consumer reports.

EVInstaFleet connects drivers to rentals and secures financing in one step. This contrasts with most current financing options which can take up to six months and require personal guarantees. For a small business, that could mean a second mortgage on a home, getting into debt, or asking for help from family and friends. EVInstaFleet uses a pay-per-mile subscription model, charging customers a base monthly fee plus a fee per mile flown.

Most leases limit the number of miles before an additional fee is charged, creating challenges for high mileage drivers at ridesharing, ridesharing, last mile delivery, and rental fleet companies like Turo , Getaround, HyreCar, Uber UBER,
+7.66%,
Gopuff and Lyft LYFT,
+3.58%
to find a suitable financing solution.

“EVInstaFleet is democratizing access to electric vehicles and opening the door for electric vehicle entrepreneurs developing small businesses using electric vehicles as economic assets,” said Sunil Paul, CEO and co-founder of Spring Free EV.

“Most of our clients are immigrants and people of color who have been underserved by traditional auto-funding models,” Paul added.

Read: Want to tip your delivery driver big? ‘Gig’ companies may not allow this

Paul comes to this market with experience in the ridesharing industry. And it has teamed up with Martin Lagod, an early investor in solar, battery materials and the food supply chain, to make the market for electric vehicles fairer, they say.

The launch of EVInstaFleet’ followed a partnership with Cox Automotive, which will supply used cars, and HyreCar, which will help Spring Free EV connect with more electric vehicle drivers operating carpools, carpools, rentals, taxis, on-demand deliveries and public works.

There are already signs that the ridesharing and rental industries have become aware of a growing preference for electric vehicles among drivers and cyclists. Uber announced in 2020 that it would provide $800 million in support to help “hundreds of thousands of drivers” worldwide switch to electric vehicles by 2025. Lyft’s Flexdrive unit is working with select car dealerships premises, initially in Seattle, Atlanta and Denver, to rent vehicles on a weekly or long-term basis. In China, considered the world’s largest electric vehicle market, EVCARD, a Shanghai-based electric car-sharing company, has been operational since 2017.

The Biden administration has said it will put the United States on track to halve emissions from burning gasoline and other fuels by 2030 and to net zero by 2050 , a goal consistent with most of the world’s largest nations. Biden and the private sector are bolstering charging infrastructure, and more electric vehicle models are hitting the market all the time.

Market tracker LMC Automotive expects electric vehicles to represent 34.2% of new vehicle sales in the United States by 2030. Electric vehicles, including plug-in hybrids, accounted for only about 4 % of total US vehicle sales in 2021. Yet that doubled in just one year. earlier.

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BBVA channels more than 70% of its sustainable funding through loans https://4wallsandaview.com/bbva-channels-more-than-70-of-its-sustainable-funding-through-loans/ Wed, 23 Feb 2022 06:19:44 +0000 https://4wallsandaview.com/bbva-channels-more-than-70-of-its-sustainable-funding-through-loans/ Regarding activity in 2021BBVA channeled €35.4 billion in sustainable finance, split between different solutions for wholesale clients (corporate and institutional), corporate, retail clients and socially responsible investing. On the social level, BBVA includes business objectives related to this area with commitments that include inclusive infrastructure, in addition to the work of the BBVA Microfinance Foundation […]]]>

Regarding activity in 2021BBVA channeled €35.4 billion in sustainable finance, split between different solutions for wholesale clients (corporate and institutional), corporate, retail clients and socially responsible investing.

On the social level, BBVA includes business objectives related to this area with commitments that include inclusive infrastructure, in addition to the work of the BBVA Microfinance Foundation in microcredits.

Solutions for wholesale customers

In 2021, in the sustainable business loans In this area, on a global level, BBVA has channeled financing linked to compliance with social and environmental KPIs, and linked to the client’s ESG rating – both in bilateral and syndicated formats. Among these, pioneering operations in the food sector stand out.

In Spain, BBVA has been a pioneer in incorporating mechanisms to donate part of the margin to sustainable or charitable projects, and it remains one of the leading banks in the sustainable finance market, carrying out several important operations as a sustainable coordinator for the fifth consecutive year. The bank also led versions of major syndicated financings in Germany, the UK, Belgium, Mexico, Peru and Colombia.

Furthermore, in 2021, BBVA continued to be very active in financing of sustainable projects, participating in the delivery of 1.28 billion euros of sustainable financing. It was mainly allocated to renewable energy projects, self-consumption and energy efficiency projects, sustainable transport projects, financing sustainable agriculture, social projects in the health and telecommunications sector such as way to facilitate access to new technologies and sustainable infrastructure projects.

Furthermore, BBVA was the first bank to green, social and sustainable bond issuesand obligations related to environmental indicators for customers in the United States, Mexico, South America, Asia and Europe, including Spain, representing a total volume of 6.68 billion euros brokered by BBVA.

Likewise, in in the field of transaction banking, BBVA signed transactions for a total amount of 4.96 billion eurosusing its sustainable banking transaction framework.

Sustainable solutions for retail customers

BBVA proactively supports its retail customers in adopting more sustainable habits that contribute to reducing their CO2 emissions. The bank is also committed to providing data-driven tools and solutions that help these customers track their consumption and emissions. The offer of sustainable solutions in the countries where BBVA operates includes products designed for mobility, such as financing lines for the purchase of hybrid and electric vehicles, green mortgages for sustainable housing and loans to improve the energy efficiency of housing.

In 2021 in Spain, BBVA became the first bank to use data analytics to calculate the carbon footprint of its retail customersobtain an estimate of the amount of CO2 emissions based on natural gas and electricity bills, and fuel expenses.

In addition, the commercial area highlights the inclusive growth line, channeling resources to build infrastructure and support inclusive economic growth. Within this line, products intended for individuals are credit products (cards, loans and mortgages) respecting income and/or vulnerability thresholds set by each country. the social mortgage in Peru and Colombia stands out in this respect, because it is aimed at segments of the population with low purchasing power, for whom the state subsidizes part of the mortgage loan.

BBVA also supports entrepreneurs by granting loans to natural or legal persons who have started an economic enterprise within three and a half years, and grants financing to micro-enterprises – provided that they respect the invoicing thresholds established in the taxonomy social responsibility of BBVA for each country. In this segment, the Women Entrepreneurs Finance Program in Turkey stands out, as it allows women owners of small and medium enterprises to access loans on preferential terms.

In addition, BBVA also helps to channel the savings of this type of customer into sustainable investments.

In 2021, BBVA channeled a total of €6.47 billion in sustainable finance for retail clients, including €4.25 billion in Spain, €1.11 billion through the BBVA Microfinance Foundation, 548 million euros in Mexico and 350 million euros in Turkey.

Sustainable investment solutions

In 2021, BBVA Asset Management, the group’s investment management unit that encompasses all of its global asset management activities, has made significant progress in integrating sustainability. It included the following aspects: a) integrate extra-financial criteria, known as ESG factors, into the processes linked to investment decisions and risk control for the vehicles and portfolios managed by the bank b) a commitment to the best practices of sustainable investment, which resulted in 2021 in the adherence to the United Nations Principles for Responsible Investment, l engagement with the Net Zero Asset Managers Alliance to ensure net zero emissions portfolios by 2050 and participation in other joint initiatives with businesses and governments; and C) investment exclusion policies for companies in sectors considered inherently harmful to society.

In addition, BBVA Asset Management has expanded its sustainable product offering in 2021. This includes four new investment funds (two in Spain, one in Mexico and one in Peru) and seven pension plans (six in Spain, one in Portugal). Total assets under management with sustainable solutions amounted to €5.60 billion at the end of 2021, and net fundraising was €1.56 billion.

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Greystone provides $49 million HUD-insured loan for Houston affordable home https://4wallsandaview.com/greystone-provides-49-million-hud-insured-loan-for-houston-affordable-home/ Thu, 17 Feb 2022 02:59:23 +0000 https://4wallsandaview.com/greystone-provides-49-million-hud-insured-loan-for-houston-affordable-home/ Greystone, a leading national commercial real estate finance company, has provided a $49,032,200 HUD-insured loan for the acquisition of a 312-unit multifamily property in Houston, Texas. The transaction was initiated by Shana Daby of Greystone on behalf of Olive Tree. The 35-year fixed-rate non-recourse loan for The Life at Westpark secures affordable housing with long-term […]]]>

Greystone, a leading national commercial real estate finance company, has provided a $49,032,200 HUD-insured loan for the acquisition of a 312-unit multifamily property in Houston, Texas. The transaction was initiated by Shana Daby of Greystone on behalf of Olive Tree.

The 35-year fixed-rate non-recourse loan for The Life at Westpark secures affordable housing with long-term FHA financing. Life at Westpark includes two-, three-, and four-bedroom units, all reserved for residents earning 60% of the area median income (AMI). With accessibility set to expire by 2025, new funding provided by HUD extends accessibility for 75 years after closing. The new owner, a partnership between Olive Tree and the Houston Housing Authority, plans to spend about $25,000 per unit to renovate the community, which was built in 1994. Current amenities include two swimming pools, a playground, land basketball court and recreation center. Property upgrades include Fair Housing Act compliant renovations, new flooring, countertops and cabinets, energy
efficient plumbing fixtures and the replacement of water heaters and HVAC condensers with energy efficient units.

“Olive Tree has a long-term commitment to acquiring, preserving and improving the physical condition and affordability of multi-family housing across the United States, with particular emphasis in the Houston market,” said Ian Bel, managing member and CEO of the borrowing entity. “With their knowledge of affordable housing and the Texas market, as well as the multitude of financing options available, Greystone has been a great partner as we work to achieve our goals.”

“Ian and his team have shown that their dedication and perseverance will have a very positive impact on Houston and its people,” Ms. Daby said. “Preserving the affordability of this quality asset for decades to come will surely be a comfort to many. We were delighted to work with Olive Tree on this exciting acquisition. Additionally, HUD demonstrated its commitment to affordable housing by demonstrating impressive skill and speed in closing the transaction within a critical timeframe.

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2022 ERTC Tax Credit Eligibility – Quiz Launch for Small Businesses and Nonprofits https://4wallsandaview.com/2022-ertc-tax-credit-eligibility-quiz-launch-for-small-businesses-and-nonprofits/ Fri, 11 Feb 2022 04:06:22 +0000 https://4wallsandaview.com/2022-ertc-tax-credit-eligibility-quiz-launch-for-small-businesses-and-nonprofits/ ERTC Today and ScottHall have launched a new quiz to help employers determine if they are eligible for the Employee Retention Tax Credit (ERTC) and how much they can claim. New York, U.S., February 10, 2022 (GLOBE NEWSWIRE) — The Employee Retention Credit Program has become the largest US government stimulus program in history, with […]]]>

ERTC Today and ScottHall have launched a new quiz to help employers determine if they are eligible for the Employee Retention Tax Credit (ERTC) and how much they can claim.

New York, U.S., February 10, 2022 (GLOBE NEWSWIRE) —

The Employee Retention Credit Program has become the largest US government stimulus program in history, with around $80 billion in funds up for grabs. This new questionnaire helps employers find out if they qualify in just a few questions, so they can claim their credits before the deadline.

To take a short quiz on ERTC eligibility or to speak to an expert, please visit https://ertcquiz.com

With billions of dollars on the table, many financial experts are surprised at the number of tax-exempt businesses and organizations that haven’t claimed their tax credits so far. This may be due to confusion over eligibility, which prompted Scott Hall and ERTC Today to launch this simple eligibility quiz.

The lack of claims is most likely caused by business owners believing they are ineligible for the program because the eligibility requirements have changed since its introduction. This includes changes to who is eligible, the size of a business that could be and continue to make a claim, and the amount that could be claimed per employee.

Some employers may also be concerned that the ERTC is a loan, like the Paycheck Protection Program (PPP), but the Tax Credit Program is not a loan and does not need to be repaid . Employers who have already applied for the PPP and received a loan under this program are also now eligible for the ERTC program, although they were not when the CARES Act was first passed.

The eligibility test can be completed in approximately 60 seconds and asks no questions about commercial proprietary information. If an employer is eligible, they can file on their own or ask the ERTC Today team to pre-qualify them for reimbursement and help with paperwork.

To make a claim with ERTC Today, employers simply submit their 941 statements, raw payroll data and PPP loan documents through the company’s secure online portal. With this information, their accountants can take care of maximizing the claim and completing the paperwork.

Companies that have already filed their documents for 2020 or 2021 can also still claim their tax credit retroactively, by contacting an ERTC specialist or by filling out a Form 941-X.

To learn more about tax credits and the eligibility questionnaire, please visit https://ertcquiz.com/video

Website: https://scotthall.co

CONTACT: Name: Scott Hall Email: scott@scotthall.co Organization: ScottHall.co Address: 60 West 23rd St. Suite 638, New York, NY 10010, United States
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First-Time Home Buyer in DC | 2022 Programs and Scholarships https://4wallsandaview.com/first-time-home-buyer-in-dc-2022-programs-and-scholarships/ Thu, 10 Feb 2022 12:33:00 +0000 https://4wallsandaview.com/first-time-home-buyer-in-dc-2022-programs-and-scholarships/ What to know about buying a home in Washington DC Being a first-time homebuyer in Washington DC can seem like a daunting prospect; most houses in the district are extremely expensive. But there is also good news. You could be online for all kinds of help, from special mortgages to home buying education courses. Indeed, […]]]>

What to know about buying a home in Washington DC

Being a first-time homebuyer in Washington DC can seem like a daunting prospect; most houses in the district are extremely expensive.

But there is also good news. You could be online for all kinds of help, from special mortgages to home buying education courses.

Indeed, some DC homebuyers receive down payment assistance, which could help you cover any shortfall in your savings. So you could be moving into your first home sooner than you thought.

Check Your Home Buying Eligibility at DC Start here (February 10, 2022)


In this article (Skip to…)


DC Homebuyer Preview

The median sale price in the district was $740,000 in November 2021, according to Realtor.com. This is much higher than the national median price.

But first-time home buyers may be queuing up for help, which can put homeownership within reach, even at these high prices.

And there was a glimmer of good news. DC real estate listing prices rose just 4.2% in the 12 months ending November 2021. And that was just a fraction of the national average.

DC Home Buyer Overview
Average DC Home Selling Price $740,000
Minimum CD deposit (3%) $22,200
20% deposit at DC $148,000
Average DC Credit Score1 713
DC Home Buyer Loan Maximum2 Up to $84,000 through the DC government’s Home Purchase Assistance Program (HPAP)

Installment amounts are based on the state’s most recently available average selling price. The “minimum” down payment assumes a 3% down payment on a conventional mortgage with a minimum credit score of 620.

If you qualify for a VA loan (backed by the Department of Veterans Affairs) or a USDA loan (backed by the United States Department of Agriculture), you may not need a down payment at all..

Check Your Home Buying Eligibility at DC Start here (February 10, 2022)

Loans for buying a first home in DC

If you’re a first-time buyer in Washington DC with a 20% down payment, you can get a conventional loan with a low interest rate. And you’ll never have to pay for private mortgage insurance (PMI). The same goes for buyers all over the country.

Of course, few first-time buyers have saved a 20% down payment. But the good news is that you don’t need it.

DC homebuyers can often buy a new home with as little as 3% or even 0% down payment using one of these low down payment mortgage programs:

  • Conventional 97 – From Freddie Mac or Fannie Mae. 3% down payment and 620 credit points minimum. You can usually stop paying mortgage insurance after a few years
  • FHA loan – Supported by the Federal Housing Administration. 3.5% down payment and a minimum credit score of 580. But you are responsible for mortgage loan insurance until you refinance another type of mortgage, move house, or pay off your loan.
  • VA Loan – Only for veterans and military. No deposit is required. Minimum credit score varies by lender, but often 620. No outstanding mortgage insurance after closing. These are arguably the best mortgages available, so apply if you qualify
  • USDA Loan – For low to middle income people buying in designated rural areas. No deposit required. Credit score requirements vary by lender, but often 640. Low mortgage insurance rates
  • DC OpenDoors Mortgage – “Competitive interest rates and lower mortgage loan insurance costs. Plus the possibility of mortgage credit certificates giving mortgage interest deductions from federal taxes

Depending on the loan program you choose, you could potentially walk into a home with very little money out of your pocket.

These programs even allow you to use donated cash or down payment assistance to cover the down payment and closing costs.

If you’re unsure which plan to choose for your first mortgage, your loan officer can help you find the right plan for you based on your finances and buying goals.

Find the best first-time buyer loan for you (February 10, 2022)

DC Home Ownership Programs

The DC Housing Finance Agency (DCHFA) ​​offers a range of homeownership programs, including its DC Open Doors offering. This promises “competitive interest rates and lower mortgage loan insurance costs on the first trust [main] mortgages”. If you qualify, you can combine this with a down payment assistance program, which we’ll cover in the next section.

To qualify for a DC Open Doors loan, the main eligibility criteria require that you:

  • Choose a lender from a list of participants in the program
  • Have a credit score of 620 or higher
  • Do not earn more than $151,200 per year (this is the borrower’s income, not the household’s)
  • Take out a mortgage of $510,400 or less

These are early 2022 numbers and you should check the website to see that they still apply when you read this.

To find out more, book your place at one of DCHFA’s bi-monthly “information sessions,” which take place online. There is a calendar on this web page. Or you can simply get in touch with one of these participating lenders.

You may also be in line for a Mortgage Credit Certificate (MCC). According to the DCHFA website, an MCC “offers qualified borrowers the opportunity to claim a federal tax credit of 20% of mortgage interest paid in each calendar year.”

Grants for DC First Time Home Buyers

DCHFA’s down payment assistance program can be used in conjunction with one of its mortgages. It offers an interest-free loan up to the total amount you need for your down payment.

It is a deferred installment loan, which means that you do not make monthly payments.

Instead, you repay the amount you borrowed in full (without interest) under the following circumstances: “30 years from the loan closing date; the sale or any transfer (by gift or otherwise) of the property to another person, company or entity; the property ceases to be your principal residence or refinances your first trust [main] mortgage.”

In addition to the DCHFA offering, the DC Department of Housing and Community Development (DHCD) has a Home Purchase Assistance Program (HPAP).

The DHCD states, “Eligible applicants may receive a maximum of $80,000 in gap funding assistance and an additional $4,000 in closing cost assistance.” The “spread” is the difference between your savings and down payment requirements.

The DHCD agreement is very similar to that offered by DCHFA. It’s a no-interest, no-monthly deferred loan that you repay when “the property is sold, refinanced to take equity, or is no longer [the borrower’s] Principal residence.”

If you are a first responder or an employee of the DC government (not the federal government), you should check out the district’s installment assistance specials.

Check Your Home Buying Eligibility at DC Start here (February 10, 2022)

Where to Find Help Buying a Home in DC

The two organizations we’ve listed above should provide advice freely to any first-time home buyer in Washington D.C.

The US Department of Housing and Urban Development (HUD) also provides a list of city-specific programs in the district. These are:

What are the current mortgage rates in DC?

Mortgage rates vary by borrower. Your own interest rate depends on factors such as your credit score, loan program, down payment, etc.

Compare mortgage quotes from at least three different lenders to make sure you’re getting the lowest rate and upfront fees possible.

Borrowers who do this often save thousands of dollars on their home loans.

And don’t forget to ask your lender for help with the down payment and closing costs. These programs could seriously reduce the barrier to buying your first home.

Show me today’s rates (February 10, 2022)

1 Source: Experian.com 2021 study of 2020 data

2Based on a review of available DPA grants from the state at the time of writing this article

The information contained on The Mortgage Reports website is provided for informational purposes only and does not constitute advertising for products offered by Full Beaker. The views and opinions expressed herein are those of the author and do not reflect the policy or position of Full Beaker, its officers, parent company or affiliates.

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