Let's fact it, everyone needs a break. Whether it is simply time away from your office during the day, taking an extra day to make it a three-day weekend or leaving town, we all need one. If you are considering the latter but can't afford it right now, you may want to consider a vacation loan.

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Ken had everything going for him, a great job, no debt, an excellent credit score... or so he thought. In fact, he felt with everything going right for him financially it was time to look into owning his own place. He sat down with a Realtor™ to figure out how much of a home he could qualify for and was shocked to learn that the answer was ZERO. His credit score was not what he thought it was... in fact, on his credit report, there were loans and credit cards that he did not even apply for that put him thousands of dollars in debt. After careful and diligent research, Ken came to the understanding that he was the victim of identity theft.

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Predatory Lending is a practice used by not so nice lenders out there trying to make a buck. Basically, they deceptively encourage potential homeowners to borrow in excess of what they really can afford to pay. The terms of the loans often are extremely unfavorable. The unscrupulous lender also will do things like disguise and conceal fees, overall costs and commissions, take all of the homeowner's equity, and even disregard things like ability to pay when persuading a person to take out what really is an unmanageable mortgage loan.

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