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	<title>CALIFORNIA LOAN FIND &#187; bank approval policies Ca  &#8211; California Loan Find</title>
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	<description>ONLINE LOAN FINDER - PERSONAL LOANS - GOOD AND BAD CREDIT BORROWERS</description>
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		<title>What to Say (and Not) to Say to a Loan Officer</title>
		<link>http://californialoanfind.com/getting-approved-for-a-loan/</link>
		<comments>http://californialoanfind.com/getting-approved-for-a-loan/#comments</comments>
		<pubDate>Mon, 17 May 2010 12:51:52 +0000</pubDate>
		<dc:creator>Carol Williams</dc:creator>
				<category><![CDATA[Carol's Borrowing Series]]></category>
		<category><![CDATA[bank approval policies]]></category>
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		<category><![CDATA[client interview]]></category>
		<category><![CDATA[disclosure]]></category>
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		<category><![CDATA[what not to say]]></category>
		<category><![CDATA[what to say]]></category>

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		<description><![CDATA[Credit is a privilege, not a right. It&#8217;s something that needs to be earned &#8211; like respect. Don&#8217;t expect to receive it without qualifying why you are eligible. Simply having a good story and a bank account does not advance your opportunity for success, or getting the lowest rate. To understand how to get a [...]]]></description>
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		<title>What Is Your GDS Ratio and TDS Ratio?</title>
		<link>http://californialoanfind.com/gds-ratio-tds-ratio-equity-lending/</link>
		<comments>http://californialoanfind.com/gds-ratio-tds-ratio-equity-lending/#comments</comments>
		<pubDate>Wed, 27 Jan 2010 19:55:00 +0000</pubDate>
		<dc:creator>Carol Williams</dc:creator>
				<category><![CDATA[Carol's Borrowing Series]]></category>
		<category><![CDATA[approval]]></category>
		<category><![CDATA[bank approval policies]]></category>
		<category><![CDATA[borrowing on an asset]]></category>
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		<category><![CDATA[principal and interest]]></category>
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		<description><![CDATA[Your monthly budget likely accounts for every dollar coming into your home. Perhaps detailing each payment and expense you&#8217;ll be required to pay for that month while the amount of cash left over you designate toward savings. When you&#8217;re sitting at your kitchen table trying to calculate if you can afford another loan, I bet [...]]]></description>
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		<title>The Three Big Cs &#8211; Character, Cash, and Collateral</title>
		<link>http://californialoanfind.com/three-big-cs-character-cash-collateral/</link>
		<comments>http://californialoanfind.com/three-big-cs-character-cash-collateral/#comments</comments>
		<pubDate>Sat, 24 Jan 2009 14:50:40 +0000</pubDate>
		<dc:creator>CLFadmin</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[bank approval policies]]></category>
		<category><![CDATA[bank financing]]></category>
		<category><![CDATA[money in a hurry]]></category>

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		<description><![CDATA[Bankers used to say they relied on the &#8220;Three Cs&#8221; &#8211; Character, Cash, and Collateral. In the old days of banking when it was a much more personal process, character stood for a lot when you were being approved for a loan. Nowadays your credit score is the real mitigating factor between approval and not [...]]]></description>
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