African Singles

African Singles

Got and tips on buying a home as an african american single parent?

I am concerned with redlining and not being able to obtain a home loan due to location, race, and marital status, income, credit hx. I have about 4,000 dollars in debt from cell phone, utilities bills and two different credit cards. I have a student loan in good standing, and have financed two cars paid on time and now on a third. I have two jobsmaking 11.61 an hr FT at 36 hours, and PT at 13.50 hr at about 36 hrs a month. I recieve child support off and on. I will graduate with a bachlors this fall and will increase my earning and i plan to go on a get a masters. I am 30 years old and I have three kids 9,8,and 2 and I am just tired of throwing 800 dollars a month out of the window and uncertain of where I will be moving to from year to year.

National surveys shows that in average American households carry a credit card balance of approximately $10,000. Many find that it hard to reduce their debts especially credit card debts due to it high financial charge, interest rolled from month to month because most of them just pay the minimum payment each month, causing their debt snowballing and at last they may trap into financial crisis.

While bankruptcy is a tempting option, it is important to explore other alternatives for eliminating debts. Debt settlement with a debt consolidation loan is a better option that bankruptcy. And if you own a home, you are at a much better position to get rid of your debt by consolidating your high interest credit card debt with a home equity loan.

Benefits of a Debt Consolidation Loan

Although a debt consolidation loan is not a magic way to eliminate your debts overnight, but it can help you to reduce your debt faster. As you know, credit card debts and other personal loans are high interest debts. In most cases, your minimum payment barely covers the interest incur by these high interest debts. Hence, you find it difficult to reduce these high interest debt’s balance if your are paying just the minimum payment.

If you lump all your credit cards debts and other personal loans into a consolidation loan, you can take advantage of lower interest rates and lower monthly payments offered by a consolidation loan. This enables you to enjoy debt free with a few years.

Conslidate Debts With Home Equity Loan

There are various ways to obtain debt consolidation loan. You could apply for personal loan or any unsecured loan with reasonable and lower interest rate as compare to your current debt’s interest rate and consolidate your debts into this loan. But, to obtain an unsecured loan, you need to have a good credit score else you loan application most probably will be rejected. Read more about home loan at: http://www.credit-card-gallery.com/article/134,Consolidate_Credit_Card_Debt_And_Eliminate_Debt_With_A_Home_Equity_Loan

Longing for Arthur Ashe at U.S. Open Leslie Allen sold T-shirts and souvenirs for the Arthur Ashe Endowment, but mostly she tries to keep his memory alive.

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