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How To Get A Second Mortgage Loan With Bad Credit, Poor Credit, Lower Interest Rate

Enterprise Bancorp, Inc. Announces 2013 Annual Net Income of $13.5 Million; Loan and Deposit Growth of 12% and 8%, Respectively

So, start with the bank or credit union where you already have an account. Find out what they offer and see if you qualify. You can even ask them for some unofficial advice on the terms they might be able to give you. This approach would allow you to start shopping without having creditors make inquiries on your credit report. Serious borrowers can also rely on websites like for making correct calculations.
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Exclusive: U.S. banking regulator, fearing loan bubble, warns funds

Deutsche Bank Co-chief Executive Anshu Jain speaks during a session at the World Economic Forum (WEF) in Davos January 25, 2014. REUTERS/Ruben Sprich Besides doing deals that banks turn down, alternative asset managers have been exploring ways to team up with banks to share risk on the deals, including ways for the funds to be the first to take losses if the loans head south. And the vast majority of deals that alternative asset managers help finance are in the so-called middle market, typically involving companies with revenue of less than $1 billion. But many of the credit funds have aspirations to do bigger deals. Some bigger deals are getting done now.
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For the years ended December 31, 2013 and 2012, the provision for loan losses amounted to $3.3 million and $2.8 million, respectively. In determining the provision to the allowance for loan losses, management takes into consideration the level of loan growth and an estimate of credit risk, which includes such items as adversely classified and non-performing loans, the estimated specific reserves needed for impaired loans, the level of net charge-offs, and the estimated impact of current economic conditions on credit quality. The level of loan growth for the year ended December 31, 2013, was $164.4 million, compared to $114.2 million during the same period in 2012. Total non-performing assets as a percentage of total assets were 1.00% at December 31, 2013, compared to 1.33% at December 31, 2012. For the year ended December 31, 2013, the Company recorded net charge-offs of $566 thousand compared to $1.7 million for the year ended December 31, 2012. Management continues to closely monitor the non-performing assets, charge-offs and necessary allowance levels, including specific reserves.
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