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Nobody ever knows what might happen the next instant, so unsure are we about our lives. Accidents can happen to anyone anytime. Accidents need not be just road accidents, but sudden health deterioration because of multiple reasons. Such situations require quick response and immediate treatment and every second counts. And you would not want to spare any expenses whether for yourself or your near and dear ones. Nowadays even medical expenses are also soaring high, so much so that sometimes even medical insurance and emergency savings combined cannot cover the total expenses.
" Vogelsass also recommends telling sellers you will not ask them to fix minor problems discovered during the home inspection; youll only ask them to fix structural and safety issues. Your best offer should still be a price that makes sense for the property. You dont want to make a poor investment, and banks wont lend based on an inflated price. Go beyond preapproval.
Presenting a mortgage preapproval letter from your lender when you make an offer is the traditional way to show you're a serious buyer. Preapproval is more rigorous than prequalification and gives the seller confidence your financing will come through. But getting an underwriter's review of your loan application prior to making an offer is emerging as a more thorough first step.
If you can repay the loan in that time, a credit card is your cheapest option. Consider a secured loan. If your credit isnt great, you may get a better interest rate with a secured loan. You will need collateral, such as a car or savings account.
If you own a house, a home equity loan or line of credit can be significantly cheaper than an unsecured loan. Add a co-signer. A co-signed personal loan may be an option for borrowers who dont qualify for a loan on their own.