What Are Some Benefits of Shopping Online?

If you have never shopped online, you have missed out on one of the most convenient, and often affordable, ways to purchase items, whether for yourself or as gifts for someone else. There are many benefits to shopping online, including these:

Convenience

The most important benefit of online shopping is the convenience. When you shop online, you do not have to leave your home. You can do all of your holiday shopping, for instance, from the comfort of your easy chair with your laptop in hand. You can avoid the crowds, save gas, and eliminate the stress of visiting a store and finding that they were out of what you needed. Online shopping is, perhaps, the most convenient type of shopping.

Shop Whenever You Want

When shopping online, you do not have to worry about the time the store closes. After all, getting to the store before 9 is not always easy when you do not leave work until 6. You have to eat dinner and spend some time with the family before you can go to the store. When you are online shopping, Canada and U.S. merchants are open 24 hours a day, 7 days a week. You do not have to stress about the clock when you are shopping on the Internet, because the stores are always open.

Compare Prices Easily

Saving money is always a good idea, but when you are shopping in a traditional way, you have to drive from store to store to compare prices. You may be able to compare prices when calling, but not all stores will share prices over the phone, and this presents quite a hassle, because you have to wait for the clerk to find the item, check the price, and then quote it to you.

When you shop online, you can compare prices from several merchants on one computer. Within minutes, you can know who has the best price, how much they will charge for shipping, and how quickly the item will be at your house. In this way, you can get the best possible price for your purchase.

Expand Your Shopping Range

When you shop at traditional retail locations, you are limited by your geographic area. Unless you plan to drive for hours to get to the next shopping mall, you must shop only at the retailers that are in your area. This may not give you the best selection.

When you shop online, you can shop from retailers in other parts of the country, or even the world. You are not limited by geographic area, with the exception of the cost of shipping, which may increase if you shop with a retailer that is quite far from you.

By increasing the number of retailers you can choose from, you do two things. First, you increase your selection. This is especially important if you are shopping for a unique or popular, hard-to-find item. Second, you give yourself the ability to find the item at the best possible price. By increasing the amount of competition for your business, you decrease the price of the item.

Find Online-Only Discounts

You can find discounts online that are not available in the store. Major department stores often circulate discount codes and free shipping offers that lower the price of your item even more. Before you make an online purchase, be sure to search for these coupon codes. Type the name of your merchant and “coupon code” in your favorite search engine, and you may find a discount that you did not know existed. When you combine a coupon code with an already low price found by shopping online, you will get great bargains.

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    You are thinking of a jumbo loan for a home refinance while rates are low but you’ve been told, “Do not to waste your time applying. Not now, because the banks aren’t lending!” Most banks aren’t too keen on approving jumbo loans. The jumbo loans are considered a higher risk loan, especially in a stagnant economy. Some banks may offer jumbo loans but their underwriting process is so strict that getting the jumbo loan to the closing table is impossible. There are a few banks that handle jumbo loan efficiently and will hold these loans in their portfolio. Finding this type of bank may be the first step in your quest to have your jumbo loan refinanced. The right bank will have the widest array of terms and have the most flexible underwriting guidelines. There are other points that should be considered in choosing the right bank.Despite the inherent risks posed by higher loan amounts, the basics of mortgage loan underwriting still apply. Like mortgage loans with amounts below $417,000, the 5 Cs of lending remain intact, (capacity, credit, capital, collateral, character.) So what’s different with jumbo loan underwriting?A residential jumbo loan is any home mortgage loan where the loan size exceeds GSE’s (Government Sponsored Enterprise such as Fannie Mae and Freddie Mac) limits. Currently, the GSE’s loan limits are capped at $417,000.00 or $625,500 in Alaska or Hawaii. Any mortgage loan exceeding these limits is considered a jumbo loan. This is of course the first obvious difference between a standard home mortgage and the jumbo loan. With higher loan amounts comes a lower LTV (loan to value) Expect to have at least a 20% equity position on a rate/term refinance.The loan terms will vary from lender to lender and it’s always prudent to look for a lender that has a variety of options that can be tailored for your specific needs, whether you need a 30 year fixed rate, a 15 year fixed rate or a 5/1, 7/1 or 10/1 hybrid ARM or interest only. The interest rates on these higher loan amounts are not as high as some borrowers think they would be. They generally are a little bit higher than conventional mortgage rates and in some cases they may be lower than some conventional loans after their rate adjustments.Many borrowers have unique situations and the bank that you should turn to is one that has a clear understanding of the uniqueness of the higher loan borrower. For example, although many borrowers have a standard salary and W2 income, there are a disproportionate number when compared to lower loan amount applicants that have a W2 income that include bonuses or commissions. With the higher loan values, there are also a larger number of self employed borrowers and professionals. Different calculations should be used for this type of borrower to allow for depreciation, depletion, bonuses and commissions. For a borrower’s best shot at loan approval and efficiency, the higher loan amounts require a bank that has a staff of underwriters and originators who have a higher skill set and proper training for this type of loan origination and underwriting.In order to be approved for a jumbo loan, you must be prepared with support documentation. Income documentation, documentation of reserves, letters of explanation, tax documents, etc. In short, you will need two years tax returns with all schedules, one month’s most recent pay stubs, two months most recent bank statements, schedule of real estate owned, most recent statements of stocks, bonds 401k and IRA accounts. A professional loan originator who is accustomed to this type of loan will give you insight on what documents you need for your application.
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