Mortgage rates on 30-year fixed mortgages in the United States fell 1 basis point to 5.15 percent on Thursday, according to Bankrate.com's daily Your Best Interest report. A basis point is one-hundredth of a percent. The mortgages in the survey had an average of 0.65 discount and origination points.

A 30-year fixed mortgage is a loan that has an interest rate that stays the same for the 30-year term of the loan. Someone taking out a $165,000.00 30-year fixed mortgage at the current average would pay $900.94 a month for the life of the loan.

Nationally, the highest rate on a 30-year fixed mortgage was 10.000 percent. The lowest rate was 4.375 percent. Six months ago, the average rate was 5.83 percent.
To see all of the results of Bankrate.com's surveys, go to www.bankrate.com.

The Your Best Interest report is a daily service of Bankrate.com, a financial news and information service based in North Palm Beach, Fla. Bankrate surveys more than 300 financial products from more than 4,800 institutions in all 50 states.

Student loan consolidation is a re-financing program that allows you to combine all of your existing student loans into one new single loan. There are no application fees, credit checks, or cosigners required for a student loan consolidation.

Benefits of consolidation include:

• Lower monthly payments. Student loan consolidation provides a longer repayment term, which in turn lowers your monthly payment. This will free-up more money to use for other expenses such as rent or mortgage payments, food and car expenses, utility expenses, and credit card payments. Depending on your total balance, you could reduce your monthly payments up to 53%. Because there are no penalties for early or extra repayment, you can make larger payments when it becomes affordable to.

• Lock in a low fixed interest rate. Currently, unconsolidated federal student loans have a variable interest rate which changes each year on July 1st based on the Treasury bill. By consolidating your student loans, you can lock in a fixed interest rate for the life of your loan.

• Customize a payment plan. By consolidating your student loans, you'll have the opportunity to choose a payment plan that best fits your current income level. Plans such as the Graduated Repayment Plan start out for the first several years as a lower interest only payment, and then increase to a level repayment plan. This plan is helpful for those who need payment relief right out of school, while they look for a job and get established.

• One payment per month. By consolidating, you eliminate the need to make multiple monthly payments to each of your federal lenders. With all of your loans combined, you will only need to write one check each month.

• Maintain your deferment and interest subsidy benefits. Because student loan consolidation is simply a new loan, you will not lose your loan deferment and forbearance benefits. Additionally, you will maintain your interest subsidy benefits on any subsidized FFELP or subsidized Direct loans that you consolidate.

• Help your credit. Consolidation takes all of your existing federal student loans, pays them off in full, and combines them into one new loan. Instead of having multiple open loans with limited payment history, you will have just one loan. Your older student loans will be listed as paid in full. In a nutshell, consolidation helps eliminate open lines of credit.

When should you consolidate?

You can consolidate during your grace period or during loan repayment. Your grace period is a six month no-payment window after you graduate or drop below half-time enrollment, before your loans go into repayment. Additionally, apply before July 1st - interest rates are expected to increase, so take advantage of this year's lower rates.

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A payday loan is (also called a paycheck advance or payday advance) is a small, short-term loan that is intended to help a borrower's expenses until his or her next payday. Payday loans gained its popularity since the early 1990s as a means to fight NSF fees and late payment penalties, many individuals prefer this financial tool to cover a temporary loss of income or supplement an unforeseen expense over other methods, such using high interest rate title loans or pawn shops.

The loans are also sometimes referred to as cash advances, though that term can also refer to cash provided against a prearranged line of credit such as a credit card. Legislation regarding payday loans varies widely between different countries and, within the USA, between different states.

Some Additional Information on Payday Loans
·Loans are direct-deposited into your account during the evening ACH sweep for the day you are .
·In most cases, lenders will not require you to fax any paperwork.
·128-bit SSL encryption technology means that your confidential information is safe, secure, and private

Online payday loans are more convenient and easier way to acquire a pay day loan. If a person finds themselves a little short on money they can apply for a payday cash advance online, and in many cases, not even have to provide paperwork (no fax required or faxless). These new online payday loans work just like the traditional payday cash loan. A person can get money in as little as a couple hours and get a fast payday advance without even leaving their home.

Cash advance payday loans were established to help people who find themselves a little short of money when payday is still a few days or weeks away. Many people use a payday loan to help them in an emergency situation, too. Online payday loans have originated due to the increased use and availability of the internet.

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An online payday advance puts cash right at a borrower’s fingertips. All that is needed is a computer and internet access. There are no credit checks and it is a private matter that no one will ever know about. It is fast and easy, too. In the past getting a payday cash advance online required a person to fax information into the company, but many companies have went paperless and now allow a person to submit an e-signature instead of faxing in paperwork.

To get started all a person needs is to go onto the finance company website and fill out an application. The person will most likely be required to give personal information. It is very important that a person makes sure the website is secure.

Websites that begin with ‘https’ are secure sites. This means personal information will not end up in the wrong hands, as it is scrambled before being sent over the internet. The application will ask for a name, address, phone number and employment information. People that are not employed, but receive social security payments or other steady income can also apply for online payday loans.