Wednesday, January 29, 2014

QM Points and Fees: What to Do about Bona Fide Discount Points?

Lenders and clients of our firm continue to ask for clarifications regarding bona fide discount points in calculating QM points and fees.  Many articles have been written, many webinars have been had, and many clarifications have been given, yet folks are still not sure about what to do about bona fide discount points.  So, it is, I think, not redundant to go over the basics one more time.

Discount points are finance charges, and are therefore included in the QM points and fees.  However, the QM Rule dos allow the following exclusions:

  • up to two bona discount points paid by the consumer in connection with the loan if the loan's interest rate, without any discount, does not exceed the APOR by more than 1%;
  • Upon to one bona fide discount if the loan's interest, without any discount, does not exceed  the APOR by more than 2%.

The math above seems easy enough, but the real problem lies in the definition of "bona fide" in the QM Rule. According to Section 1026.32(b)(3)(i), bona fide discount point means:
an amount equal to 1 percent of the loan amount paid by the consumer that reduces the interest rate or time-price differential applicable to the transaction based on a calculation that is consistent with established industry practices for determining the amount of reduction in the interest rate or time-price differential appropriate for the amount of discount points paid by the consumer.  [emphasis added]
 In simpler terms, a discount is considered "bona fide" if the discount fee paid by the borrower corresponds to a reduction in interest rate, but the ratio (rate reduction vs. discount fee) must conform to "well established industry practices".

What is "well established industry practices"?  CFPB explains as follows:
To satisfy this standard, a creditor may show that the reduction is reasonably consistent with established industry norms and practices for secondary mortgage market transactions. For example, a creditor may rely on pricing in the to-be-announced (TBA) market for mortgage-backed securities (MBS) to establish that the interest rate reduction is consistent with the compensation that the creditor could reasonably expect to receive in the secondary market. The creditor may also establish that its interest rate reduction is consistent with established industry practices by showing that its calculation complies with requirements prescribed in Fannie Mae or Freddie Mac guidelines for interest rate reductions from bona fide discount points. For example, assume that the Fannie Mae Single-Family Selling Guide or the Freddie Mac Single Family Seller/Servicer Guide imposes a cap on points and fees but excludes from the cap discount points that result in a bona fide reduction in the interest rate. Assume the guidelines require that, for a discount point to be bona fide so that it would not count against the cap, a discount point must result in at least a 25 basis point reduction in the interest rate. Accordingly, if the creditor offers a 25 basis point interest rate reduction for a discount point and the requirements of § 1026.32(b)(1)(i)(E) or (F) are satisfied, the discount point is bona fide and is excluded from the calculation of points and fees. [Emphasis added]
CFPB's staff commentary specifically refers to FNMA's definition or method of determining whether discount points are bona fide.  However, FNMA has since removed its definition from its guidelines.

Without the benefit of the only readily available and familiar standard, the mortgage lending industry is in dire need of clarity.  Secondary market investors have varying ways of determining "bona fide"; however, I do see a common requirement for documentation showing the connection between points paid and a corresponding rate reduction, which documents may include, without limitation:

  • Rate sheet;
  • Screen print from LOS and/or Pricing Engine;
  • Rate lock agreement/confirmation with the borrower; and
  • Final HUD-1.  

 In order to successfully exclude certain number of discount points from QM points and fees, a lender will have to present sufficient documentation to establish that the discounts paid by the borrower were indeed bona fide.

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  93. How I got My Loan From A God sent And Genuine Loan Lender…

    what a great place for you to apply for a loan Houstonloanfirm@yahoo.com I’m here as the happiest woman in the whole wide world because of what God has done for me through the help of a God sent and genuine loan lender his servant. I told myself to talk about the good deeds of any lender that will rescue my family from our poor & hopeless situation, i will and must tell his name to the whole world, I am so happy to say that my family is back for good because i was granted a loan of $10,000 USD to start my life all over again as i am a single mum with kids and the whole world seems it was all hanging on me cause we had no one to run to for help. Not until i met a God sent loan lender that changed my life and that of my family, a GOD fearing man, a lender, the director of the company Houston loan firm, he was the Savior God sent to rescue my family. At first i thought it wasn’t going to be possible until i received my loan amount of $10,000 USD on the 2nd/June/2018. All thanks to him and to GOD for leading me into meeting him. My advise to anyone out there in genuine need of a loan is to Divine through official email:- Houstonloanfirm@yahoo.com because he is an understanding and kind hearten lender.

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  94. Hello friends!!! i am a citizen of USA. i want to testify of the good Loan Lender who showed light to me after been scammed by 6 different Internet international lenders, they all promise to give me a loan after making me pay a lot of fees which yield nothing and amounted to no positive result.i lost my hard earn money and it was a total of 5,000USD. One day as i was browsing through the internet looking fraudsters when i came across a testimony of man who was also scammed and eventually got linked to a legit loan company called Houston loan firm (Houstonloanfirm@yahoo.com)where he finally got his loan,so i decided to contact the same loan company and then told them my story on how i have been scammed by 6 different lenders who did nothing but to course me more pain.I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them.so i filled the loan application form that was given to me and proceeded with all that was requested of me and I was given a loan amount of $100,000.00 Dollars by this great Company (Houston loan firm} managed by Mr.Houston, and here i am today happy because Houston loan firm has given me a loan so i made a vow to my self that i will keep testifying on the internet on how i got my loan.Do you need a loan urgently? kindly and quickly contact Houston loan firm now on there via email address Houstonloanfirm@yahoo.com

    ReplyDelete
  95. Hello friends!!! am a citizen of USA. i want to testify of the good Loan Lender who showed light to me after been scammed by 6 different Internet international lenders, they all promise to give me a loan after making me pay a lot of fees which yield nothing and amounted to no positive result.i lost my hard earn money and it was a total of 5,000USD. One day as i was browsing through the internet looking fraudsters when i came across a testimony of man who was also scammed and eventually got linked to a legit loan company called Houston loan firm (Houstonloanfirm@yahoo.com)where he finally got his loan,so i decided to contact the same loan company and then told them my story on how i have been scammed by 6 different lenders who did nothing but to course me more pain.I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them.so i filled the loan application form that was given to me and proceeded with all that was requested of me and I was given a loan amount of $100,000.00 Dollars by this great Company (Houston loan firm} managed by Mr.Houston, and here i am today happy because Houston loan firm has given me a loan so i made a vow to my self that i will keep testifying on the internet on how i got my loan.Do you need a loan urgently? kindly and quickly contact Houston loan firm now on there via email address Houstonloanfirm@yahoo.com

    ReplyDelete
  96. I am writing this Testimony because am really grateful for what Mr Houston did for me and my family, when I thought there was no hope he came and make my family feel alive again by lending us loan at a very low interest rate of 3%. Well I have been searching for a loan to settle my debts for the past three months all I met scammed and took my money until I finally met a God sent Lender. I never thought that there are still genuine loan lenders on the internet but to my greatest surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would advise you to contact Mr Houston via email Houstonloanfirm@yahoo.com Once again thank you Mr Houston am really grateful

    ReplyDelete


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  98. I want to use this medium to thank Mr Houston for the good work he render to me, is with great joy and enthusiasm that i write on this internet forum because i finally have received my loan from a certain genuine lender whose name is Mr Houston ,his company name is Houston Loan Firm and for the good of you all who are still looking for a loan, this lender is endowed with all the good characteristics of a real loan lender . Judging from the loan they gave to me , their fast and reliable system of lending is not to be compared with any other,this is why i recommend any person seriously looking for a loan to contact him today and i am sure that he is willing to do for you what he has already done for me .

    Contact the lender on this email today: Houstonloanfirm@yahoo.com

    Thanks

    ReplyDelete
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    ReplyDelete
  100. I am a private lender and Investor, Do you need a legit, honest, reputable and quick loan? I can help you with 100% guarantee loan, I am offering business and individual loan, More also we financing all kind of projects. For more details contact us at: jonmcguire47@gmail.com.

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  102. Are you a business man or woman? Are you in a financial mess or do You need funds to start your own business? Need to pay loans Their Debt or pay off your bills or start a nice business? Do you have a low credit score and you will find it hard to get Capital loan from local banks / other financial institutions? You need one Loan or funding for any reason email us at sabinhelps@gmail.com

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  103. Hi everyone , I go by the name Jaxon from Australia and I just want to say a very resounding thank you to the Ameir Miller Loan firm for their sincerity , openness , transparency , truthfulness , love and support during and after getting loan funds from them . I have been through a lot in the hands of those scammers and time won’t permit me to say all that I went through in the year 2018 online in the guest or getting a loan funds to get a home here in Australia but God answered my prayers through the support and love from pastor Mrs Ameir Miller who embraced me and understood with me despite my initial doubt and unseriouness and with her good heart and love I am now a home owner through her 2.5 interest rate loan funds and I have vow to spread this news and also tell the world that there are still genuine and few good online loan firms out there that can assist and also revive a dry bone like I was in 2018 .

    Don’t fail to listen and read this testimony because this is a true life changing experience and anyone that needs this kind of turn around should not hesitate or doubt this because I have prove and I swear to God in Heaven that this story is real and also the story of my experience with them .

    Check them out on their email if you need finance .. email : ?ameirmillerclassicloaninstitute@yahoo.com , ameirmillerapprovedloans@usa.com? or ameirmillerfinancialinstitute@gmail.com

    ReplyDelete
  104. WELCOME TO ABIGAIL MILLS abigailmills.loans227@gmail.com our aims is to provide Excellent Professional Service.

    Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?.

    Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose – from vacations, to education, to unique purchases

    We offer a wide range of financial services which includes: Personal Loans, Debt consolidation loans, Business Loans, Education Loans, Mortgage Secured Loan, Unsecured loan, Mortgage Loans, Payday off Loans, Student Loans, Commercial Loans, Car Loans, Investments Loans, Development Loans, Acquisition Loans, Construction Loans, with low interest rate at 2% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme.

    WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

    Please, contact us for more information: abigailmills.loans227@gmail.com
    Kindly write us back with the loan information;

    BORROWER INFORMATION

    1)Full Names:
    2)Country:
    3)address:
    4)State:
    5)Sex:
    6)Marital Status:
    7)Occupation:
    8)Phone Number:
    9)Monthly income:
    10)Next of Kin:
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    14)Specific date you need the loan:

    If you are interested to get a loan then kindly write us with the loan requirement.
    Please, contact us for more information: abigailmills.loans227@gmail.com

    Yours Sincerely,
    Mrs Abigail Mills
    abigailmills.loans227@gmail.com

    We look forward to hear from you ASAP

    Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

    ReplyDelete
  105. My name is Mrs Abigail Mills we are a new legit loan lenders of 2019 and we like to help any body that need financial help we offer as from $500,000.00 and $5,000,000.00 and we also give out loans in euro above that so if you need help kindly send us an email on:abigailmills.loans227@gmail.com so that your loan transaction can take place now you will be with your loan in the next 8 hours it is a fast transfer and is safe without any delay. So email:abigailmills.loans227@gmail.com if interested

    Email:abigailmills.loans227@gmail.com

    ReplyDelete
  106. Greetings..
    Please contact us for your secure and unsecured Loan at an Interest rate of 2%
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    Is the difficulty of the economy affecting you this year,? If your answer is yes, then you need a loan. I’m Mrs Abigail Mills, the owner of a lending company We offer safe and secure loans at an interest rate of 2%.

    * Are you financially squeezed?
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    If you have any of the above problems, we can be of assistance to you but I want you to understand that we give out loans at the interest rate of 2%.

    * Borrow anything up to $95,000,000 USD.
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    * Flexible Loan Terms.
    Please if you are interested check back with us through this email address: abigailmills.loans227@gmail.com

    We promise a 100% guarantee that you will receive your loan at the end of this loan transaction.There is no security check, no credit check

    Regards
    Abigail Mills
    Abigail Mills loan company

    ReplyDelete
  107. Hello Everyone

    My name is THOMAS CHRISTOPHER and i am from Washington, D.C. i want to tell you all loan seekers that there is only one real loan company that offer loans and they helped me with my loan the name of the company is Macro loan company and the loan lender that helped me with my loan her name is Mrs Abigail Mills so if you need a loan without being scammed go to this company now and receive your loan there loans is safe and fast their mail is abigailmills.loans227@gmail.com so wish you all the best loan seekers this is the real company that offer loans.

    Email: abigailmills.loans227@gmail.com

    My Regards to you all

    ReplyDelete
  108. My name is Deann Twila Alba i am from San Antonio i have heard of this company that they give loans and i went to apply for a loan from them i have heard people saying about scam but i have never been scammed before this company helped me with my loan so anyone that need a loan should apply from them there loans is fast and safe their mail address abigailmills.loans227@gmail.com

    ReplyDelete
  109. My name is Vonda Dionne i am from Los Angeles i just got my loan from a new legit loan company of 2019 and the name of the company that helped me with my loan today is Abigail Mills loan company they are the most lovely loan company i have ever came across with i applied for a loan from them yesterday and the only thing i did was pay the transfer fee which they said i should pay and immediately i make the payment in the next 12 hours time i was with my loan sorry i can not say how much they helped me with but it is a large amount of money so everyone if you need a real loan this is the right loan company to contact their mail address is abigailmills.loans227@gmail.com

    ReplyDelete
  110. My name is Freida Erna Madeleine i am from Chicago USA i want to use this time to write to the internet that i just received my loan funds of 5 million dollars from this company called Abigail Mills loan company at first i did not believe what people were saying on the internet but i decided to try and i applied for the loan 2 days ago and i just received a call from my bank that there is the sum of 5 million dollars in my account and immediately i received an alert from my bank Abigail Mills loan company called me and asked me if i have received my loan and i told them yes so they said i should bring more people to there company if anyone do need a loan so if you really do need a loan this is the company to apply from they are really great and i believe now that there is a real loan company that gives loans and that company is Abigail Mills loan company so if anyone of you need an urgent loan and it is important this is the right company to apply from. Their mail address is abigailmills.loans227@gmail.com.

    Finally i am really happy and can start my own business now. Thank you once again Abigail you are great and God bless you and your company.

    ReplyDelete
  111. My name is Gwendolyn Tammie Shari. I am a single mother and i am from Canada and i live in the city of Montreal. I want to use this time to tell everyone on the internet that there is only one company that offers real loan and that company is Abigail Mills. I was looking for a loan online for the past 3 weeks now and all i have got is lenders scamming me of my money that i had God knows i was so poor and i wanted to kill my self but there i saw so many people testify about this company that they give out loans at first i did not believe cause i saw other testimonies of other lender and they all turned to be scams. I said let me apply from this company and see if it is true and immediately i applied they told me everything i needed to do and i agreed and they assured me that in 8 hours time i was going to be with my loan cause they said they are using fast transfer service. At first i did not believe but i waited for my loan before 8 hours time i received an alert from my bank and be hold it was my loan i was very shocked when i saw it and i prayed to God for directing me to the right company who helped me today as i am writing this on the internet now i just received my loan from this company and i am using this time to testify to other people if you need a loan a loan don't be fooled this is the right company to apply from. Their Email address is abigailmills.loans227@gmail.com and for you those who do not have an email address the company whatsapp number is +1 (903)378-6704.

    This company is true and great if you need a loan apply now and wait for your loan cause you will be happy with this company.

    Thanks everyone and i remain Gwendolyn Tammie Shari.

    ReplyDelete
  112. Good day My name is Ebba Agnes Lilly i am from New York City this company Abigail Mills people are talking about is real i never wanted a loan but i just said i should try this company and see if what people are saying is true and i applied for a loan from them yesterday and i just received my loan today from Abigail Mills loan company anyone if you read this message and you need a loan apply from this company cause they are going to help you this company is the only company that offers real loan online. The loan i applied from them was $75,000.00 dollars and in 8 hours time i received my loan so my friends don't be scammed if you need a real loan this is the right company to apply from. If you are interested of there loans their mail address is abigailmills.loans227@gmail.com and their whatsapp number is +1 (903) 378-6704.

    ReplyDelete
  113. Hello Everyone

    I am Wilma Linnea Matilda and i am from Philadelphia USA. I was looking for an online loan and i was very scared i have never applied for a loan before and i searched very well and search for a real company there i found a company called Abigail Mills loan company i look and i saw what people said about this company was true i decided to apply for a loan from the company and i needed a loan of $150,000.00 dollars to start a business when i applied she told me all i needed to do i did it and she assured me that in 8 hours time i was going to be with my loan i said okay and i waited in exactly 8 hours time i receive my loan from this company as i am writing this now i have never been scammed before and this company is great i have been hearing people talking about scams but i have never been scammed before and i thank God for that. So everyone if you need a real loan this is the right company to apply from they will help you and the time they tell you that you will receive your loan that is the exact time you will receive your loan. I just have to write this message to everyone so that you wont apply for a loan from the wrong company if you need a real loan contact this company and you will be happy. Their mail address is abigailmills.loans227@gmail.com.

    ReplyDelete
  114. Good day everyone

    My name is Vanessa Jodi i am from Los Angeles USA. I want to use this time to write to the internet that anyone if you need a true loan Abigail Mills is the right company to apply from few days i was in need of money and i looked for a loan online i saw a company and i applied that company cheated me 2 times of my money i was so sad cause i needed money so i decided to look for another company and i applied from another company that same company also told me to deposit money and i did and never got my loan i was like what is happening to me cause i needed money urgent to buy a house cause if i do not get a house soon my landlord will drive i and my family away from his house so i needed to get my own house. When i was searching again i saw this company Abigail Mills i saw a lot of people testified about this company that the company is truly great so at first i was afraid to apply cause i was cheated 2 times so i said to my self let me try and see if this company was real so i applied. When i applied they told me all i was needed to do i was still afraid but i trusted them and they assured me that in 8 hours time i was going to be with my loan i wanted for my loan and on my eyes i received an alert from my bank that there were a sum of $200,000.00 into my bank account and i was very happy in a while ago the company called me and asked if i have received my loan and i told them yes and i thank them and as i am writing this message on the internet now this company have also helped my 2 brothers so anyone if you need a true loan Abigail Mills is the right company to apply from. In case you are in need of money you can only contact them via mail and their E-mail address is abigailmills.loans227@gmail.com. I thank everyone who read my message and be safe and apply from this company because you will be happy with them.

    ReplyDelete
  115. My name is Robert Christopher. I am from USA New York City. I want to write to the internet that if you need a real loan Abigail Mills is the real loan company that gives loan i applied for a loan from this company last week Friday and i just received my loan from them today so everyone if you need a real loan without been scammed this is the right company to apply from thus company is truly great and they are real so many people that have been scammed if you need a loan without being scammed this is the real company that gives loans i applied for a loan from this company Abigail Mills and i received my loan today so anyone around the world if you need a true loan locate this company and be rest assured that this company is going to put a smile to your face. the company can be contacted via mail their mail address is abigailmills.loans227@gmail.com and there whatsapp number is +1 (903)378-6704. Thanks to anyone that will read this message this company does not know am doing this am only doing it for people in need of a real loan to be safe.

    ReplyDelete
  116. I am Brayden Wyatt Bryce by name i am a police officer and i live in New York city in USA. Few days ago i was searching for a loan online and i only found people scamming me of my money. I really need this loan for a project in Colombia and i have been cheated severally one day when i was off duty i decided to look again this time for a true company that give loans i found this company named Abigail Mills loan company and a lot of people have testify about this company at first i did not believe but i decided to apply the loan i was looking for was the sum of $7,000,000.00 i applied from this company and they told me all that needs to be done i trusted them and i did what they told me to do and they assured me that in 8 hours time i was going to be with my loan safely i never believed them but i waited for my loan in exactly 8 hours time i got a call from the company that if i have received my loan yet and i said No. They told me to go to my bank and check my account that my bank might not send me an alert i obeyed and i went to my bank and check my account on my eyes i saw my loan of $7,000,000.00 in my account the money i was having on my account before was $1,000,000.00 and i now found $8,000,000.00 pulse my money and my loan was $8,000,000.00 i am so happy and i thank this company for they are great. I want to use my little time to write to people in United States that if you need a real loan Abigail Mills is the right company to apply from this company does not know am doing this so anyone if you need a loan you can only contact this company via mail or whatsapp but i do not use whatsapp so their mail address is abigailmills.loans227@gmail.com

    ReplyDelete
  117. Regards everyone my name is Kojonka Moe and i am from Switzerland and i live in the city of Zürich with my family. I have heard about people testify about this company called Abigail Mills and this is my first time applying for a loan online i was afraid to apply for an online loan because of the scam i see on the internet but after i read so many testimonies about this company i decided to give it a try and apply for a loan from this company called Abigail Mills loan company i was in need of money and i needed a loan of 720,000.00 Swiss franc. So i applied and i was told of what to do i was afraid but i gave the company a chance to help me and they assured me that in less than 8 hours time i will receive my loan in my account. I never believed but i was waiting in less than 8 hours time i received a call from my bank that an amount of 720,000.00 Swiss franc was in my account and immediately my bank called me i contacted the company and let them know that i have received my loan and today i am happy. So if you came across my message and you read it and you need a legit loan apply from this company and be rest assured that you will be happy with this company i believe this company is God sent and i pray they last and keep on helping people. Contact this company via mail address abigailmills.loans227@gmail.com

    ReplyDelete
  118. Greetings everyone or anyone my name is Landrew Paul i am from Miami Florida i have heard about this company called Abigail Mills that they are helping people with loans all around the world i was once searched for a loan online and i was cheated by 2 companies which was fake and after that time i never believed in good loan company could come from the internet i thought all of them was a fraud until i found this company named Abigail Mills loan company i found people testified about this company and i was surprised why i did not find this company on time . I never believed what the people said about the company until i apply and gave it a try the amount i was looking for was big and it was for a real estate the loan amount was $10.5 million US dollars and so i applied and the lady Abigail Mills talked to me but since my loan was large it took just 15 hours to receive my loan cause they told me there loan service was 8 hours to receive loan. The only thing she told me to do was to deposit the bank transfer fee which the bank was going to use to transfer my loan into my bank account when she told me that once i was afraid it was a scam but i said let me give it a try i deposited the transfer fee which was stated and that was all i deposited behold in less than 15 hours time i received a message from my bank that sum amount of money which was $10.5 million US dollars has been credited in my bank account and everything about the money the details and who it came from was there behold it was Abigail Mills who helped me when i first saw it i was surprised i never believed my eyes but it was true. So i told my self since other people that the company helped testified about there good deeds let me do mine cause to not easy to see a legit loan company online this days so anyone from anywhere who needs an online loan without getting cheated apply from this company cause they only that can help i have confirmed it and it is true i am so happy and i know this company will make other people more happier then me. You can contact this company via mail or Whatsapp bt i used Whatsapp cause it was faster mail address of the company is abigailills.loans227@gmail.com and Whatsapp is +1 (903)378-6704. Thanks everyone regards from Landrew Paul from Miami Florida.

    ReplyDelete
  119. TESTIMONY!!! thanks to you for helping me get this loan i will for ever be grateful to you i will forever give testimony about your good company i will advice any one in need of a loan to contact this loan company for help this is his direct email via Houstonloanfirm@yahoo.com once again thank you Mr Houston for what you did in my life

    ReplyDelete
  120. Căutați un împrumut de afaceri, împrumuturi personale, împrumuturi ipotecare, împrumuturi auto, împrumuturi pentru studenți, împrumuturi de consolidare negarantate, finanțare de proiect etc ... Sau pur și simplu refuzați împrumutul de la o bancă sau instituție financiară din unul sau mai multe motive? Suntem soluțiile potrivite pentru credit! Oferim împrumuturi pentru companii și persoane fizice cu o dobândă scăzută și accesibilă a dobânzii de 2%. Deci, dacă sunteți interesat de un împrumut urgent și garantat. Pentru mai multe informații, vă rugăm să ne trimiteți un e-mail astăzi Via: elegantloanfirm@hotmail.com.

    ReplyDelete
  121. DO YOU NEED AN AFFORDABLE LOAN TODAY?

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  122. We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
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  123. I FEEL LIKE CRYING AS I SHARE THIS TESIMONMY OF MINE Call me frank ...People of God i was recently laid off from a great job that was giving me food and shelter due to our bad economy . I registered on several job hunting sites and got busy fiinding another job. I came across several jobs but they didn't ...i then resolute to getting a loan online to pursue my long business dreams since i was having about $10,000 left from my savings and the entire cost for my business to kick off was billed at $50,000 which means that i needed $40,000 more to start this and i thought that going online would be better since most of them pose to grant loans at cheapest rate of %1 percent or less but i never realized that i was only digging my financial grave , low and behold i got brainwashed , deceived and even spell bound to sending all my left $10,000 to them for several fees , Omg , that was so heavy for me then because my family could barely feed trice delay after that incidence as we all grew lean and sickly . but i didn't give up as i knew that the worse thing that can happen to someone is to allow their dreams shattered due to a past failure , i told my lawyer and he advice specifically that there is a United State online based loan agency in the name of AMEIR MILLER LOAN AGENCY as they are currently offering loans now without any fear or problems simply because about 2 clients that he knows got loan from that firm as it is owned by a pastor , after hearing all this i prayed to God for his leading and also followed my lawyer's advice in which i applied but God actually showed his face as this God sent online loan agency granted me this loan funds within 48 hours without any form of problems or stories after i meant with their terms and conditions.indeed at an interest rate of %2.5 percent , ya all can go talk to them using these ameirmillerfinancialinstitute@gmail.com or ameirmillerclassicloaninstitute@yahoo.com , ameirmillerapprovedloans@usa.com God bless yall for taking out time to reading my message to the world .

    ReplyDelete

  124. I'm here to testify about Mr John Blank ATM Cards which can withdraw money from any ATM machines around the world.. firstly I thought it was scam until I saw so many testimony about how Mr John sent them the ATM blank card and how it was used to withdraw money in any ATM machine and become rich so I decided to risk the opportunity I contacted him also and I applied for the Blank Card to my greatest surprise I have used it to get 10,000 dollars. maximum withdrawal daily $1,000, Mr John is giving out the card just to help the poor. Hack and take money directly from any ATM Machine Vault,If your interested kindly contact him directly on his email (johnlopez1945@gmail.com)

    ReplyDelete
  125. Salut tuturor, eu sunt Patricia Sherman în Oklahoma SUA chiar acum. Aș dori să vă împărtășesc experiența mea de a împrumuta 185.000,00 USD pentru a-mi șterge proiectul bancar și a începe o afacere nouă. Totul a început când mi-am pierdut casa și mi-am luat lucrurile din cauza politicii bancare și am întâlnit niște facturi și unele nevoi personale. Așa că am devenit foarte disperat și am început să caut fonduri în toate felurile. Din fericire pentru mine, o prietenă de-a mea, Linda mi-a spus despre o firmă a companiei de credit, am fost intrigată de fraudă, dar am fost intrigat de situația mea și nu am avut de ales decât să primesc sfaturi de la prietenul meu despre această companie. contactarea lor chiar s-a pus la îndoială din cauza experienței mele anterioare cu creditorii online, știai asta puțin? '' Elegantloanfirm@hotmail.com Această companie a fost foarte utilă pentru mine și colegul meu și astăzi, datorită acestei companii de credit, mândrul proprietar al muncii și responsabilităților bine organizate, mi-au zâmbit. Așadar, dacă aveți nevoie cu adevărat să vă dezvoltați sau să începeți propria afacere sau dacă aveți nevoie cu adevărat de a împrumuta bani în orice dificultate financiară, vă recomandăm să găsiți astăzi o oportunitate de dezvoltare financiară în afacerea dvs. {E-mail:} Elegantloanfirm@hotmail.com ... online pentru creditul nu este o victimă a înșelătoriei. Mulțumesc.

    ReplyDelete
  126. Hello, My name is Carolina Smith. i want to use this opportunity to thank this loan company that offered me a loan to start up a business. now i made it to a business owner. all thanks to them for the financial support. Email. boa.loans@aol. com

    ReplyDelete
  127. Hello Everyone,

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  128. WE OFFER CERTIFIED BG/SBLC AT AFFORDABLE RATES

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  129. I am Mrs Elizabeth , an approved and certified lender with years of
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    ReplyDelete
  130. I now own a business of my own with the help of Elegantloanfirm with a loan of $900,000.00 USD. at 2% rate charges, at first i taught with was all a joke until my loan request was  process under five working days and my requested funds was transfer to me. am now a proud owner of a large business with 15 staffs working under me. All thanks to the loan officer Russ Harry he is a God sent, you can contact them to improve your business on.. email-- Elegantloanfirm@hotmail.com.

    ReplyDelete
  131. NEED A LOAN?
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    ReplyDelete

  132. Greetings to you,
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  133. DO YOU THINK OF GETTING A LOAN??
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  134. 50Invest with 0$ and get a returns of 5,000$ within seven business working days.
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  135. My name is Sara Johnson, I live in california U.S.A and i am a happy woman today? I told my self that any Loan lender that could change my Life and that of my family after been scammed severally by these online loan lenders, i will refer any person that is looking for loan to Them. he gave happiness to me and my family, although at first i found it hard to trust him because of my experiences with past loan lenders, i was in need of a loan of $300,000.00 to start my life all over as a single parents with 2 kids, I met this honest and GOD fearing loan lender online Dr. Dave Logan that helped me with a loan of $300,000.00 U.S. Dollars, he is indeed a GOD fearing man, working with a reputable loan company. If you are in need of loan and you are 100% sure to pay back the loan please contact him on (daveloganloanfirm@gmail.com and Call/Text: +1(501)800-0690 ) .. and inform them Sara Johnson directed you.. Thanks. Blessed Be.

    ReplyDelete
  136. My name is Sara Johnson, I live in california U.S.A and i am a happy woman today? I told my self that any Loan lender that could change my Life and that of my family after been scammed severally by these online loan lenders, i will refer any person that is looking for loan to Them. he gave happiness to me and my family, although at first i found it hard to trust him because of my experiences with past loan lenders, i was in need of a loan of $300,000.00 to start my life all over as a single parents with 2 kids, I met this honest and GOD fearing loan lender online Dr. Dave Logan that helped me with a loan of $300,000.00 U.S. Dollars, he is indeed a GOD fearing man, working with a reputable loan company. If you are in need of loan and you are 100% sure to pay back the loan please contact him on (daveloganloanfirm@gmail.com and Call/Text: +1(501)800-0690 ) .. and inform them Sara Johnson directed you.. Thanks. Blessed Be.

    ReplyDelete
  137. DO YOU THINK OF GETTING A LOAN??
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    DO YOU NEED A LOAN? Are Financially down, Cry no more, Financial problem is nothing to cry about, it is something we will have to fight against in one Love, Understanding, Trust and Unity. So our faith as Legitimate Financial Consultants is putting an end to the financial hardship. We are investors providing financial services and we specialize in both start up projects,Home Finance and existing businesses needing funding or Loan for expansion. We are committed to helping businesses develop and succeed.Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Do you need an urgent loan to buy a house? If Yes worry no more because we are out here to help the less financially privileged get the loan they need to get back on their feet no matter your credit score, you can say goodbye to all your financial crisis and difficulties. We offer loans ranging from ($5,000.00.USD To $500,000,000.00.USD) At a low and affordable interest rate of 2%, without collateral and without credit check. Bradley Louis Loans holds all of the information about how to obtain money quickly and painlessly (dr.bradleylouisloans@gmail.com) Text/Call (917) 383-2689

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    ReplyDelete
  138. DO YOU THINK OF GETTING A LOAN??
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    DO YOU NEED A LOAN? Are Financially down, Cry no more, Financial problem is nothing to cry about, it is something we will have to fight against in one Love, Understanding, Trust and Unity. So our faith as Legitimate Financial Consultants is putting an end to the financial hardship. We are investors providing financial services and we specialize in both start up projects,Home Finance and existing businesses needing funding or Loan for expansion. We are committed to helping businesses develop and succeed.Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Do you need an urgent loan to buy a house? If Yes worry no more because we are out here to help the less financially privileged get the loan they need to get back on their feet no matter your credit score, you can say goodbye to all your financial crisis and difficulties. We offer loans ranging from ($5,000.00.USD To $500,000,000.00.USD) At a low and affordable interest rate of 2%, without collateral and without credit check. Bradley Louis Loans holds all of the information about how to obtain money quickly and painlessly (dr.bradleylouisloans@gmail.com) Text/Call (917) 383-2689

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    ReplyDelete
  139. email: visacreditcardsolution@gmail.comGET YOUR BLANK ATM CREDIT CARD AT AFFORDABLE PRICE*
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    ReplyDelete

  140. I want to share my testimony on how i got the blank ATM card. I was so wrecked that my company fired me simply because i did not obliged to their terms, so they hacked into my system and phone and makes it so difficult to get any other job, i did all i could but things kept getting worse by the day that i couldn’t afford my 3 kids fees and pay my bills. I owe so many people trying to borrow money to survive because my old company couldn’t allow me get another job and they did all they could to destroy my life just for declining to be among their evil deeds. haven’t given up i kept searching for job online when i came across the testimony of a lady called Judith regarding how she got the blank ATM card. Due to my present state, i had to get in touch with Hacker called OSCAR WHITE of oscarwhitehackersworld@gmail.com and he told me the procedures and along with the terms which i agreed to abide and i was told that the Blank card will be deliver to me without any further delay and i hold on to his words and to my greatest surprise, i received an ATM card worth $4.5 million USD , All Thanks to OSCAR WHITE , if you are facing any financial problem contact him asap email address is oscarwhitehackersworld@gmail.com or whats-app +1(323)-362-2310

    ReplyDelete
  141. Aplicați pentru împrumutul dvs. rapid și convenabil cu o dobândă de 3%. oferim servicii online 24 de ore cu 4 ore de livrare a împrumutului. contactează-ne astăzi pentru împrumut prin e-mail: kateloansss@hotmail.com sau WhatsApp: +2348075180625

    ReplyDelete
  142. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
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    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
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    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days

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    ReplyDelete
  143. Hello Every one,

    My name is Mrs Harrison Francesca I live in UK London Liverpool am from Germany and i am a happy woman today? and i told my self that any lender that can rescue my family from our poor situation, i will refer any person that is looking for loan to the lender all thanks go to Mr Alexander Grant he gave me happiness to me and my family, I was in need of a loan of 450,000.00 euro to start my life all over, as i am a single mother with 2kids I met this honest and GOD fearing man loan lender that help me with a loan of450,000.00 euro, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him via email... (info.acg3@gmail.com) COMPANY NAME: Loan Situation Center NAME: Alexander Grant

    Mrs Harrison Francesca

    ReplyDelete
  144. TESTIMONY ON HOW I GOT MY LOAN FROM A GENUINE FINANCE COMPANY LAST WEEK. Email for immediate response: drbenjaminfinance@gmail.com

    I am Mrs,Leores Jazbel by name, I live in United State Of America, who have been a scam victim to so many fake lenders online between November last year till July this year but i thank my creator so much that he has finally smiled on me by directing me to this new lender who put a smile on my face this year 2020 and he did not scam me and also by not deceiving or lying to me and my friends but however this lending firm is BENJAMIN LOAN INVESTMENTS FINANCE (drbenjaminfinance@gmail.com) gave me 2% loan which amount is $900,000.00 united states dollars after my agreement to their company terms and conditions and one significant thing i love about this loan company is that they are fast and unique. {Dr.Benjamin Scarlet Owen} can also help you with a legit loan offer. He Has also helped some other colleagues of mine. If you need a genuine loan without cost/stress he his the right loan lender to wipe away your financial problems and crisis today. BENJAMIN LOAN INVESTMENTS FINANCE holds all of the information about how to obtain money quickly and painlessly via Call/Text: +1(415)630-7138 Email: drbenjaminfinance@gmail.com

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