Category: Insurance

By Sean A. Kelly

CitiFinancial mortgage loans and solutions have been helping home buyers cope better with their home purchases for decades now, and offer highly attractive home loans as well as refinancing packages for your benefit. CitiFinancial mortgage loans are available through more than 1,800 branches in North America alone, and due to the easy accessibility, customers find it easy to deal with CitiFinancial that can provide quality services almost instantly when required. For the record, CitiFinancial is part of Citi Group that is a global leader in financial services. Headquartered in Baltimore, CitiFinancial has been in existence since 1912, and for almost a century now has been helping thousands of individuals fulfill their dreams to purchase or refinance their homes. With the help of a competent and helpful CitiFinancial customer service representative, you would realize that securing financing for your home could be a lot easier than you expected.

The organization has several distinct advantages as compared to its closest competitors that makes it stand out compared to the rest. Its ability to offer almost instantaneous face-to-face services is well-known nationwide, as the organization holds more than 1,800 branches in the county, thus chances are that you might have a branch right in your neighborhood. This helps significantly as having a customer service consultant help you answer crucial questions and queries with regards to a home loan application would help extensively in your securing a home loan in the most cost and time effective manner possible. CitiFinancial has also been in the mortgage financing business for close to a century now, and has garnered a respectable name for itself in the world of mortgage financing. And you would also find CitiFinancial mortgage rate offers to be highly attractive compared to those from less distinguished competitors that need to charge higher interest rates to continue to compete in the competitive world of mortgage financing.

One of the reasons why CitiFinancial is extremely popular in terms of mortgage loans is the fact that it possesses an exceptionally user-friendly and easy-to-use website. Within this website you would find the ultimately helpful CitiFinancial mortgage calculator, a tool that would help you calculate your possible monthly mortgage repayment amount quickly and conveniently. The website also offers plenty of useful information for home buyers, especially first-time buyers that need some mortgage purchasing education and knowledge. The online account that you would need to create to manage your mortgage loan is highly secure, and would give you the opportunity to not only make payments online but also view your statements whenever you need to. You could also conveniently update your personal information online without having to visit your financial institution personally with the existence of your online account. Apart from making payments online, CitiFinancial also offers you the ability to pay your mortgage payments through AutoPay (automatic deduction from your personal bank account), in-branch payments, phone payments and even mail payments.

Nevertheless CitiFinancial have been bugged by complaints from mortgage loan seekers that denote that the institution has limited loan options, as well as inflexible payment terms and options that do sometimes make it difficult to manage their mortgage loans. In terms of mortgage loans, CitiFinancial only offers loans up to $400,000, while those seeking home equity loans need to be satisfied with a maximum of $125,000. Despite these complaints, CitiFinancial has managed to attract approximately 3 million customers in the United States alone, and this shows that the institution’s ability to offer face-to-face attention to every customer as well as its brilliant online banking facility are appreciated by the population.

CitiFinancial also offers a lower interest rate reward if you make 24 consecutive on-time monthly payments on either your fixed-rate mortgage rate or home equity loan. With rewards such as this available for consistent borrowers that service their loans on time, CitiFinancial is definitely a mortgage lender that you should consider when you are hunting for a mortgage loan.

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Health Care Reform s Time is Near!

by

Healthcare Solutions Team

Former Beatles drummer Ringo Starr once famously observed, Time takes time. While I m sure that Ringo Starr wasn t talking specifically about health insurance as far as I know, his keen observation remains a timely one as we witness the gradual unfolding of health care reform. It makes you think doesn t it??

The Affordable Care Act is now just five months away from the historic first open enrollment period of the new federal-state health exchanges. It is supposed to provide a simplified, one-stop online source for affordable health insurance for individuals and small businesses. But the on-line 21 page application has our federal government scrambling to find a more stream-lined version that will be less demonstrative for the many people that cannot maneuver around a computer let alone a complicated website and application process with no help.

The individual mandate portion of the law, of course, requires all Americans to obtain health insurance or face a penalty on their federal income tax. But many are in the dark and will have to pay more for their coverage through the exchange verses if they would contact us at Healthcare Solutions team for the help that they so badly need.

Unfortunately, a health tracking poll done in April by the Kaiser Family Foundation found that 4 in 10 of us (42 percent) still don t know that the Affordable Care Act is the law of the land. Why? Well, 12 percent think Congress repealed it, 7 percent think the Supreme Court overturned it, and the other 23 percent are just plain confused about it. And because our species tends to be change-averse, more of us (40 percent) have an unfavorable rather than a favorable view (35 percent) of the law just now. With that in mind our insurance agents are ready and able to help all of you face your fear with the change that is looming in the very near future!

Health care reform is a huge change that s been surrounded by a lot of noise and will take, yes, some time for people to become comfortable with it. President Barack Obama acknowledged as much in a press conference last week, calling health care reform a big undertaking with many glitches and bumps ahead.

What do we think about this quandary? Most Americans haven t digested health care reform because it s not likely to affect them initially. That s because they now have health insurance through their individual plan that offers all the same benefits as the new exchange plans, is theirs to control and they will still save money!

Oh sure, you all will try to understand the process and the concept of the new exchange plans or not!

But as Ringo observed, that s gonna take some time.

Compare health care insurance plans and apply for medical coverage online. Get health care insurance coverage and get free

Medical Insurance

now with Healthcare Solutions Team. Want to learn more? Go ahead and

contact us

now. We ll show you the difference that working with the best can make.

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Health Care Reform s Time is Near!