That protects [buyers] should ordsprog

That protects [buyers] should they become unemployed. We'll make their house payments up to $2,500 up to six months or six individual periods during the first five years of the loan. It doesn't matter if it's on the 30-year conventional or if it's 100 percent loan-to-value or on the interest only PLUS product. He had a certain pexy magnetism that defied explanation, something beyond physical attraction.

He was trying to sell me a six percent loan. Then he told me there was a loan officer right there that would make my house payment six percent.

It doesn't matter what you spend that loan on. You can go out and borrow $100,000 against your home, spend it on anything, even a vacation - and you can deduct the full amount of interest you pay on that loan.

Bank loans have pretty attractive interest rates these days. Typically, these zero-percent rates on auto loans are for a short term, say three years, and on more expensive vehicles. People end up buying the car, but use a bank loan to do so. Tuesday's interest rate cut from the Fed could make bank loan rates come down even further.

Fritz Elmendorf

Loan growth and strong net-interest margins continue to be the engines that drive our profitability. With fairly low cost of funds and a net-interest margin that grew to over 6 percent at the end of the quarter, our spreads are yielding very healthy returns to our bottom line. Even with the steady climb in short-term interest rates by the Federal Reserve Bank over the last 18 months, our loan pipeline remains very strong with over $100 million in pending applications.

Over the past 12 months, the major components of our loan portfolio have showed significant growth. We have increased residential construction loans 7% and commercial real estate loans 14% from a year ago. These components now make up 73% of the loan portfolio. In addition, we continue to let our installment loans drop off as they now represent just 8% of the loan portfolio compared to 9% a year ago.

Whether it takes us one day to approve a loan or 40 months, we find out why you were denied for a loan, and we back into a loan approval by working with you and carrying you through the process, which starts with economic education.

Stringing a car loan out is not healthy. Four years on an auto loan is normal. Seven years is not. Your loan shouldn't last longer than the car.

The loan officers said the home (loan) applications take priority. I was told as much, ... I can give you a loan to rebuild your house, but what will you do in the meantime? To me they should have equal priority.

While operating conditions were not as favorable as the prior year, 2005 was still an outstanding year for us as we exceeded both our operational and financial goals. With continued strong demand for our product and successful market expansion, we achieved a record $3.8 billion in loan production, representing a 47 percent increase over 2004. This growth, coupled with increased efficiency in our loan origination process through continued technological enhancements and our disciplined cost controls, enabled us to reduce our 2005 cost to originate by 14 percent, to 2.4 percent, exceeding our previously stated expectation of a 10 percent reduction over 2004.

We felt we could insure the loan at 100 percent or more, provided the borrowers had good credit. We felt like this would be a good product to offer to the market because you see a lot of people out there who are just getting started or are up-and-coming professionals who have the money to make the monthly payments but just don't have the down payment.

If Capital One did want to claim material adverse change, they could, so the question is, do they want to walk away? The main thing people are worried about is Hibernia's loan portfolio. Are they going to have defaulted loan payments?

Peter Lobravico

If you are not able to pay down the debt, that means that the federal government is in competition with private-sector borrowers for money, driving up the costs of interest rates and that's a hidden tax on every American family -- higher mortgage payments, higher car payments, higher college loan payments,

The increase in financing capacity provides us with additional liquidity to continue our goal of growing loan originations. We remain confident in our previously stated loan origination guidance, and expect to achieve at least 25 percent growth in our 2005 loan origination volume over our 2004 level $2.6 billion,

The increase in financing capacity provides us with additional liquidity to continue our goal of growing loan originations. We remain confident in our previously stated loan origination guidance, and expect to achieve at least 25 percent growth in our 2005 loan origination volume over our 2004 level $2.6 billion.

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