Bad credit should not stop you from applying for a pay day loan. There will be no credit check, only verification of information you supply. Pay day loan companies do not check your credit report or contact your employer, except as necessary to verify employment. Applying and getting approved is quick and convenient. Online lenders can approve you application quickly and you'll have cash you need as soon as very day you are approved.

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There are a few other important questions you should make sure you have answers to when deciding which type of mortgage is better for you. How long do you plan on staying in home? How frequently does adjustable rate mortgage adjust, and when is adjustment made? What’s interest rate environment like? Could you still afford your monthly payment if interest rates rise significantly? Do you know main pros and cons for each type of loan?

Generally, fixed-rate mortgages are a safer way for first time home buyers to get a mortgage. There is greater stability and less risk involved. It is easy to budget and regulate your expenses when you know exactly what your interest rate will be.