HUD-Sponsored Senior Housing Programs

Chris Hawkins Written by Chris Hawkins
SeniorLiving.Org Expert on Senior Care & Assisted Living

The first wave of baby boomers—those born between 1946 and 1964—made it to age 65 in 2011. Now a person turns 65 every 10 seconds. By 2030, the number of persons 65 and older will reach 71.5 million.

Many in this enormous human wave will need affordable living options once they stop working and there are several HUD programs to help seniors. Because let’s be honest: many folks are not as prepared for retirement as they would like to be.

A survey by the Insured Retirement Institute found that “70 percent of middle-income Boomers are not confident in having enough money to live comfortably in retirement.” In an Associated Press poll, among families with incomes below $50,000, only 35% said they felt financially ready for retirement; 66% of those in higher income households felt ready. With the recent economic collapse, many older adults find themselves in an unexpected position entirely.

A recent AARP Public Policy Institute Study found that:

Another daunting issue facing retirees is the cost of senior living options. Senior living is a general term that includes all kinds of senior-centered housing: independent living, assisted living, nursing homes, home care, and others. 

Here’s a sample of what you can expect in senior living costs. The median U.S. cost for a private room in a nursing home is $81,030 a year; in 2007, the median annual cost was $65,700. The average yearly cost in an assisted living facility is $39,600.

Now let’s look into the future.

If you are currently living in Virginia, for example, and needed assisted living care the median amount you would pay is $41,775 a year, according to a Genworth Financial long-term care survey. In 10 years, you would pay $68,047. A private room in a Virginia nursing home would now cost $82,125 a year; in 10 years, the price tag goes up to $133,773.

Even if you never need senior living care, you may find yourself in a position where you have to make a lifestyle change. Asking yourself the important questions is a great place to start.

Retirement Living Considerations

It may be years after you retiree that you need to make a major living change. But it’s better to plan now and initiate changes on your own rather than being forced by circumstances in the future.

Here are some questions to think about as you prepare for your retirement:

  • Where do I want to live when retired?
  • Where can I afford to live after I stop working?
  • Should I downsize and move into an apartment or condominium?
  • Do I want to live in a senior community with people my age?
  • Should I rent?
  • Do I still feel safe in my current neighborhood?
  • Do I want to be closer to family?
  • Does my health (or my spouse’s) require special living arrangements such as assisted living or a nursing home?
  • Could I afford the cost of assisted care?
  • Can friends and family provide assistance with daily living if I need it?

If your current or future financial circumstances call for a drastic reduction in cost of living, HUD may have a program that can help.

Introduction to HUD Programs

The U.S. Department of Housing and Urban Development (HUD) creates affordable housing for citizens across the country by funding programs for rent assistance, home ownership, and assistive services for seniors and the disabled.

HUD helps more than 900,000 seniors with affordable housing through its programs. There are three types of affordable rent programs: public housing, multifamily subsidized housing, and voucher housing programs.

  • Public Housing is owned and run by local Public Housing Agencies (PHAs).
  • Multifamily Subsidized Housing is privately owned housing that is subsidized by HUD and provides tenants with affordable housing.
  • Housing Vouchers provide rental assistance to individuals and families for housing in the private market.

*Several important things to keep in mind with HUD programs:

  1. The waiting lists are often long (from two to five years), especially in metro areas.
  2. For those in need of assisted care, HUD options are limited. HUD programs are designed primarily for independent seniors.
  3. Because one Public Housing Agency (PHA) doesn’t have the housing you’re looking for, doesn’t mean another one won’t.

We’ll look at HUD housing options, especially as they pertain to seniors. And we’ll look at how to qualify, and how to search for HUD-sponsored housing in your area.

Housing Vouchers

Housing Choice Voucher Program (formerly Section 8)

The Housing Choice Voucher Program (HCVP) provides rent vouchers for housing in the private market to low income individuals, families, the elderly and the disabled. It is the largest assisted housing program administered by HUD.

These vouchers are linked to specific properties run by local Public Housing Agencies (PHAs). There are two kinds of vouchers: tenant-based and project-based. Tenant based vouchers (TBVs) move with the renter. Project based vouchers (PBVs) are assigned to particular units and buildings and are not transferable.

Who is Eligible?

There is no age requirement. Families or individuals who meet the extremely low-income requirements (30% of the area’s median), and very low income (50% of area median) based on total gross income. In some cases, those with low income (80% of area median) are eligible.

Income such as pensions, retirement accounts, IRAs, insurance annuities, and assets such as real estate, cars, etc. ARE counted when assessing eligibility.

Housing

Depending on your location, housing options can include single-family homes, townhouses and apartments. Individuals can pick anywhere they want to live as long as the owner agrees to rent using the program’s guidelines.

Rent Amounts

Rental amount is calculated by using the greatest of:

  1. 30% of monthly adjusted income
  2. 10% of monthly income
  3. The welfare rent in as-paid states
  4. Or the PHA minimum rent ($25 or up to $50).

PHAs pay the property owner directly and the residents pay the difference to the property owner.

How Do I Apply?

Apply at your local PHA. They will collect information on family income (tax returns, bank statements, Social Security, etc.) assets, and family composition. Medical expenses, health insurance payments, prescriptions and future medical expenses are taken into consideration.

Once you apply, you are placed on a waiting list. Because of the demand, waiting lists are often several years long. Ask your application to be pre-qualified for income—that way you know ahead of time if you qualify. And ask about local preferences (e.g. you are involuntarily displaced, paying more than 50% rent, etc.).

Find a PHA at http://portal.hud.gov/hudportal/HUD?src=/program_offices/public_indian_housing/pha/contacts

Homeownership Vouchers

This HUD program assists first time homebuyers who need help meeting their monthly mortgage payment and other expenses. These expenses include mortgage principal and interest,
mortgage insurance, real estate taxes, and homeowner’s insurance among others.

Who is Eligible?

  • First-time homeowner
  • No family member has owned or had ownership interest in their residence for at least three years
  • No family member has any ownership interest in any residential property

Employment not required for elderly or disabled families or individuals but must meet certain income requirements

  • Must complete the PHA’s homeownership counseling
  • Any other PHA requirements

Finding Housing

Assistance by the PHA is not given in finding a home. The applicant must find an approved financing source to purchase the home. The home must pass an inspection by the PHA and an independent inspector before the family can purchase.

Payment Amount

The monthly tenant payment is generally 30% of the family's adjusted monthly income. The PHA will make the voucher payment to either the lender or the family. There is no time limit to receive assistance under this program for the elderly and disabled.

How Do I Apply?

Contact your local PHA for assistance. Not all PHAs offer this program.

You can find a list of participating PHAs at:

http://portal.hud.gov/hudportal/HUD?src=/program_offices/public_indian_housing/programs/hcv/homeownership

Programs for Current Homeowners who Need Help

If you own your home and need help with your mortgage, HUD and the Department of Treasury have a handful of programs to help. These include:

  • Lowering your payments
  • Lowering your interest rate
  • Help paying a second mortgage
  • Help with fallen home value
  • Leaving your home and avoiding foreclosure
  • Mortgage modification for those in the military

See MakingHomeaffordable.gov for more details.

Multifamily Subsidized Housing Programs

Section 202 Supportive Housing for the Elderly

The rent-assisted housing in this program is designed specifically for seniors and the disabled to live as independently as possible but who may need some assistance with activities of daily living (ADLs) such as dressing and bathing. Common features of these communities include housekeeping, transportation, referral services, and counseling.

The types of services and amenities will vary by housing community.

Established by HUD in 1959, the Section 202 program is the only program within HUD to provide housing exclusively to seniors. HUD provides loans to private, nonprofit organizations to finance the construction of supportive housing for very low-income seniors and provides rent subsidies.

Who is Eligible?

Those 62 and older with very low household income (50% of area median). The average resident age is 79. The average yearly income is $10,018.

Type of Housing

Typically, one-bedroom apartments with kitchen and bath, plus special features such as grab bars, ramps, nonskid flooring, etc. Other features include housekeeping, transportation to health care, home-delivered meals.

Rent Amount

Rental amount is calculated by using the greatest of:

  1. 30% of monthly adjusted income
  2. 10% of monthly income
  3. The welfare rent in as-paid states
  4. Or the PHA minimum rent ($25 or up to $50).

How Do I Apply?

Contact the individual housing community you are interested in. You can find housing by state here: http://www.hud.gov/apps/section8/

Wait lists are usually at least a year. Preferences for admission include those currently paying 50% of their income in rent; the involuntarily displaced; and those living in substandard housing.

Congregate Housing Services Program (CHSP)

This program, started in 1978, provides funds to Section 202 housing communities to “help frail and persons with disabilities avoid premature or unnecessary institutionalization.” This limited but valuable program provides funding to 51 public housing agencies and private assisted housing owners.

These communities provide residents at least one hot meal per day in a group setting, 7 days per week. Other non-medical services provided include housekeeping, personal assistance, transportation and social services.

Contact your local PHA to see if the program is available at area elderly housing locations.

Multifamily Rental Housing for Moderate-Income Families (Section 221 (d) (3))

This program funds “multifamily housing for moderate-income households, including projects designated for the elderly.” Some of the housing is designed specifically for the elderly and handicapped.

Who is eligible?

Anyone can occupy a home that is insured under this program and are “subject to normal tenant selection.” There are no income limits.

Type of Housing

These are multifamily housing units: apartments, condominiums, duplexes, etc.

Rent

Rent is based on a flat approved HUD amount, not on a tenant’s percentage of income.

How Do I Apply?

Contact your local PHA. For a list by state, go to

http://portal.hud.gov/hudportal/HUD?src=/program_offices/public_indian_housing/programs/hcv/homeownership

Supportive Housing for Persons with Disabilities Program (Section 811)

This purpose of this program is to enable those with disabilities to live as independently as possible in a housing environment that provides supportive services. Services may include personal assistance; meals; housekeeping; counseling; training in independent living skills; recreation and transportation.

HUD awards funds to private non-profit organizations to be used to finance the construction or rehabilitation of supportive housing for persons with disabilities. There are two types of funding programs: 1) projects funded by capital advances and 2) those funded by Project Rental Assistance.

Who is Eligible?

Those who are 18 and older who are physically, mentally, emotionally and/or developmentally disabled. Households must be very low-income (50% of median income) with at least one adult member with a disability.

The Project Rental Assistance Program residents must be extremely low-income (30% of median income) with at least one adult member with a disability

Median household income for residents is $9,204.

Housing

Group homes of eight or fewer units are single family structures that combine multiple bedrooms with a kitchen and shared living area. There is at least one bathroom for every four residents.

Condominium or cooperative units are independent living facilities that can be cooperatively owned by the residents.

Independent living complexes consist of 16 or fewer units where each dwelling contains a kitchen and bathroom. This housing may also contain congregate dining, laundry, and community areas.

Rent Amount

Rent is determined at 30% of adjusted monthly income.

How Do I Apply?

You can find out more on this program and the available properties by contacting your local HUD office. For a listing of regional HUD offices, visit http://portal.hud.gov/hudportal/HUD?src=/localoffices

Public Housing

Public housing is rental housing for low-income families, the elderly and those with disabilities. HUD administers funding to local PHAs that manage the housing. Over 1 million families live in public housing.

Who is Eligible?
Low-income families (80% of median) and individuals including the elderly and those with a disability. Income limits will vary based on area. Your local PHA can provide those limits.

Once you are accepted in public housing, you must live in the community where you are accepted.

Type of Housing

Public housing can include everything from single-family homes, to duplexes to high-rise apartments.

Rent Amount

Rent is referred to as Total Tenant Payment (TTP) and calculated using the greatest of:

  1. 30% of monthly adjusted income
  2. 10% of monthly income
  3. The welfare rent in as-paid states
  4. Or the PHA minimum rent ($25 or up to $50)

You may stay in the property as long as you comply with the lease.

How Do I Apply?

Contact your local public housing agency to apply. You will need to provide proof of income such as tax returns, bank statements, Social Security award letters, etc. Preferences are usually given to the elderly and disabled.

Key Definitions, Eligibility And Additional Resources

Activities of Daily Living (ADLs): Activities necessary for one to maintain independence. These typically include eating, dressing, bathing, toileting, and transferring.

Fair Market Rents (FMRs) are gross rent (rent plus utilities) estimates used to determine payment amounts for the Housing Choice Voucher program. These rent estimates are used as a guide for determining initial rental payments based on unit size.

Public Housing Agencies (PHAs): Over 2,600 state, regional, and local

HUD-funded agencies that serve the housing needs of its low-income and very low-income residents.

Adjusted Income: Annual income - deductions = adjusted income. Deductions include dependents; status as elderly or disable family; unreimbursed expenses for childcare, medical expenses (elderly and disabled only); and disability assistance.

  • Extremely Low Income: income does not exceed 30% of an area’s median family income.
  • Very Low-Income: their incomes do not exceed 50% of an area’s median family income.
  • Low Income: their incomes do not exceed 80% of an area’s median family income.
  • Moderate Income: incomes that are no more than 115% of an area’s median family income.

Note: Income limits are adjusted for family size and for areas with unusually high or low family income housing-cost-to-income relationships.

Determining Income and Eligibility

When applying for any of HUD’s housing programs, you will be asked to provide proof of income and assets to determine eligibility. Qualifying income and assets are combined when determining income eligibility.

Income and assets include all amounts that are derived in a 12-month period to which any member of the family has access to.

Income Sources

HUD counts the following main sources when considering income for its programs:

  • Full amount of income (before deductions) from salaries, wages, tips
  • Business net income
  • Interest, dividends, and other net income of any kind from real or personal property
  • The full amount of periodic amounts received from Social Security, annuities, insurance policies, retirement funds, pensions, disability or death benefits
  • Unemployment, worker’s comp, and disability
  • Alimony and child support
  • Armed forces income
  • Welfare assistance

For a detailed listing of income sources, go to http://www.gpo.gov/fdsys/pkg/CFR-2012-title24-vol1/xml/CFR-2012-title24-vol1-sec5-609.xml

Assets and Income from Assets*

  • Stocks, bonds, Treasury bills, certificates of deposit,
  • Individual retirement and Keogh accounts
  • Retirement and pension funds
  • Cash held in savings and checking accounts, safe deposit boxes, homes, etc.
  • Cash value of whole life insurance policies available to the individual before death
  • Equity in rental property
  • Personal property held as an investment

*If the total value of assets is less than $5,000, then that number is used in the calculation. If the total value of assets is worth $5,000 or more, the amount of the assets is determined by using the greater of:

  1. The actual income from the assets
  2. A percentage of the value of net family assets based on the passbook savings rate. Each HUD field office determines their own passbook savings rate based on average savings account rates. Most PHAs use 2%.

Example 1: You have assets totaling $20,000 and annual income totaling $40,000.

$20,000 x 2% = $400

$400 assets + $40,000 annual income = $40,400 total income

Example 2: Upon retirement, you receive a lump-sum payment of $10,000 from your pension plan. You then receive periodic pension payments of $500 a month. The $10,000 is treated as an asset as are the monthly $500 pension payments.

$10,000 + $500 x 12 (months) = $16,000

Income Deductions

  • An elderly household is entitled to an automatic $400 household deduction.
  • Medical deductions including services of a physician, health care professional, hospital or health care facility; medical insurance premiums; prescription and non-prescription medicines; dental expenses; eye glasses and examinations; periodic payments of medical bills; et al.
  • Disability assistance expenses
  • Dependent deductions
  • Child care deductions

HUD Income Limits: An Example

HUD has established Median Family Income (MFI) limits for metropolitan and non-metropolitan areas across the U.S. These MFIs are used to calculate eligibility in the various HUD programs.

Here’s an example of an income limit calculation for the Washington DC Metro Area that includes nearby counties in Maryland and Virginia.

Area’s Median Income= $107,500

2012 Income Limit Category

1 Person

2 Person

3 Person

4 Person

Very Low (50%)

$37,650

$43,000

$48,400

$53,750

Extremely Low (30%)

$22,600

$25,800

$29,050

$32,250

Low (80%)

$49,200

$56,200

$63,250

$70,250

You’ll notice that the percentages don’t always equal the income limit amounts. For example, 80% of $107,500 is $86,000, not $70,250.

In their calculations, HUD compares an area’s 4-person family incomes to that of the US median family income. They also look at the Fair Market Rent (FMR) costs for the area.

To find income limits in your area, go to http://www.huduser.org/portal/datasets/il/il2012/select_Geography.odn

Getting Started

To get an idea of the HUD insured and HUD subsidized multifamily properties that serve the elderly and/or persons with disabilities you can go to

http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/mfh/hto/inventorysurvey

This list does not provide waiting list info, availability, eligibility and tenant selection. But it will provide a listing of properties by state and by HUD program (Section 202, Section 811, etc.) that finances/subsidizes each property. This will give you an idea of the type of services offered and potential eligibility.

You can also go to HUD’s Rental Assistance page for links to the various programs:

http://portal.hud.gov/hudportal/HUD?src=/topics/rental_assistance

HUD Counseling

If you’re not sure where to start in your search, try calling a HUD-sponsored housing counseling agency in your area. These counselors provide advice on buying a home, renting, credit issues, foreclosures and other housing related issues.

For a list of HUD approved counselors by state, go to http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm

 


Updated: Jul 30, 2012

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Hello, Herees an Affordable loan that will change your life for ever, I am Mrs Lily Brown a certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because i will make you smile. I Mrs Lily Brown, will render the best of my services to all legitimate borrowers.You will never be disappointed by me in this transaction because you were not born to be a loser.Any interested clients should contact me Asap via Email(mrslilybrownco9@gmail) for further proceeds. Please fill the below application form and get back if interested and you will be glad of knowing a loan lender like Mrs Lily Brown BORROWER'S DATA 1)Full Names: 2)Country: 3)address: 4)State: 5)Sex: 6)Marital Status: 7)Occupation: 8)Phone Number: 10)Monthly ie: 11)Next of Kin: 12)Loan Amount Needed: 13)Loan Duration: 14)Purpose of Loan: As soon as you fill the form above, I will send you my loan Terms And Conditions Asap in order for us to proceed. I will be looking forward to hear from you so as to proceed. With Regards,

Sandra Caparas On Sep 10, 2014
Hello every body My Names is Sandra Caparas ,AM from United states .i never believed in love spells or magic until i met this spell caster once when i went to Africa in June last year on a business summit i meet a man called Dr iayaryi, is powerful he could help you cast a spells to bring back my love s gone misbehaving lover looking for some one to love you bring back lost money and magic money spell or spell for a good job i m now happy & a living testimony cos the man i had wanted to marry left me 4weeks before our wedding and my life was upside down cos our relationship has been on for 3 year i really loved him, but his mother was against me and he had no good paying job so when i met this spell caster, i told him what happened and explained the situation of things to him at first i was undecided,skeptical and doubtful, but i just gave it a try and in 6 days when i returned to taxes my boyfriend (is now my husband ) he called me by himself and came to me apologizing that everything had been settled with his mom and family and he got a new job interview so we should get married i didn’t believe it cos the spell caster only asked for my name and my boyfriends name and all i wanted him to do well we are happily married now and we are expecting our little kid and my husband also got a new job and our lives became much better in case anyone needs the spell caster for some help his email address: driayaryi2012@hotmail

Jim Kerry On Sep 9, 2014
ICC Mortgage And financial Services, Is a sincere and certified private Loanpany approved by the Government, we give out international and local loans to all countries in the world,Amount given out $2,500 to $100,000,000 Dollars, Euro and Pounds.We offer loans with a dependable guarantee to all of our clients. Our loan interest rates are very low and affordable with a negotiable duration.Available now MORTGAGE, PERSONAL, TRAVEL, STUDENT, EXPANSION OF BUSINESS AND NEW UNSECURED, SECURE, CONSOLIDATE AND MORE Apply for a loan today with your loan amount and duration, Its Easy and fast to get. 4% interest rates and monthly installment payments. For more information about our loan program please contact me Via Email.jimkerry51@gmail Regards jim kerry

Mr Austine On Sep 9, 2014
Do you need 100% Finance? I can service your financial need with less payback problem that is why we fund you for just 3%. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 3 to 20 years.Contact us at:austinebest9@gmail 1. Full Names:............................ 2. Contact Address:....................... 3. Loan Amount Needed:.................... 4. Duration of the Loan................... 5. Direct Telephone Number:................. Best Regards, Mr Austine

Nicholas Brush On Sep 8, 2014
ICC Mortgage And financial Services,Is a sincere and certified private Loanpany approved by the Government,we give out international and local loans to all countries in the world,Amount given out $2,500 to $100,000,000 Dollars, Euro and Pounds.We offer loans with a dependable guarantee to all of our clients. Our loan interest rates are very low and affordable with a negotiable duration. Available now MORTGAGE, PERSONAL, TRAVEL, STUDENT, EXPANSION OF BUSINESS AND NEW UNSECURED, SECURE, CONSOLIDATE AND MORE Available now.. Apply for a loan today with your loan amount and duration, Its Easy and fast to get. 4% interest rates and monthly installment payments. {nicholasbrush.icc@gmail} Regards, Nicholas Brush

Scott On Sep 8, 2014
If u need a reliable and genuine loan help,and don't want to be a victim of scam,I think this is for you.All posts of loan lenders giving loans on-line especially on sites were loan offer are posted the posters are all SCAMS..The referrals there as well are bunch of scammers.Don't contact them for your own good.This is a story of how I was ripped off my hard earned cash by some idiots on-line that calls themselves lenders and how I finally got my financial freedom from a God sent loan officer within 48 hours at just 3% interest rate.All thanks to Mr Clark You are the one who remove me and my family out of poverty. The reason why i am doing this is that, i promise Mr Clark that if i truly get my loan, i will advertise hispany and bring customers to hispany. Contact him now via email if you are in need of any kind of loan (larry.clark021@gmail)for the Loan you have been looking for..

First City Finance On Sep 8, 2014
Hello! Do you need financial help? Apply now for all kinds of loans and get money urgently! * Appointments in the amount ranging from $1,000 to $50,000, 000.00 * The interest rate is at 3% * Choose between 1 and 40 years of repayment. * Choose between Monthly and annual repayment plan. * Terms and conditions of the loans flexibility. All these plans and more, please contact us. Name: Address: Country: Amount Needed: duration: Phone Number: Monthly Ie: firstcityfinance@hotmail sincerely management

clarisa steve On Sep 7, 2014
Good day every one please i want to use this medium to share a testimony on how God directed me to a Legit and real loan lender who have transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the inter and was scammed the sum of $3,700, i became so desperate in getting a loan from a legit loan lender online who will not add to my pains,then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue she told me about a loan lender by name Mark Oscar. So i applied for a loan sum of ($230,000) with low interest rate so the loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than three(3) days the loan was deposited into my bank. You can Contact them via email: oscarloanfinance@hotmail for your loan.

markdaivce On Sep 7, 2014
Do you require a funding and you have being disappointed by banks. We can provide direct funding of up to 5 million at convenient interest rates. Contact us for more details at - markdaivce2013@outlook

Mrs Cililer Martina On Sep 7, 2014
Hello Every One, My Name is Mrs Cililer Martina i live in USA and life is worth livingfortably for me and my family now and i really have never seen goodness shown to me this much in my life as i am a struggling mum with three kids and i have been going through a serious problem as my son encountered a terrible accident last weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again, and i could not afford the bill for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i run to my father and he was not able to help, then when i was browsing through yahoo answers and i came across a loan lender Mr Bennand Evian who provides loans at an affordable interest rate and i have been hearing about so many scams on the inter but at this my desperate situation, i had no choice than to give it an attempt and surprisingly it was all like a dream, i received a loan of $250,000 USD and i payed for my son surgery and thank GOD today he is okay and can walk and is working and the burden is no longer so much on me any more and we can feed well and my family is happy today and i said to my self that i will shout aloud to the world of the wonders of GOD to me through this GOD fearing lender Mr Bennand Evian and i will advise anyone in genuine and serious need of loan to contact this GOD fearing woman via email.bennandevianloanoffer@gmail and i want you all to pray for this man for me. THANKS Mrs Cililer Martina

maris garcia On Sep 7, 2014
HERE IS MY SUCESSFULL STORY My names are Mrs maris garcia from USA i want to use this opportunity to tell the whole world that this great legitimate,reliable and trusted lender Mr.Berry Jones,the CEO of berry Jones lenderpany lend me a loan of ($5,000,000,00) five million dollars when i needed a loan to pay some depth and build a restaurant after i was been scam by some various and fakepany that claim to be a lender on inter,when we started i thought he is like others fakepany that claim to be a lender but he ask me to lay my trust on him and do my best and live the rest for him i did every thing he required to secure a loan from hispany,and he told me that my loan funds is going to be deposited in the bank that as soon as my loan is been deposited that they will email me the scan copy of the deposit slip after some hours they really did,he also told me that the bank will notify me the rest details on how my funds will be transferred into my bank account and instructed me to cooperate with the bank to transfer my loan funds into my bank account in USA, some days later i received the bank email that they have now proceeded to transfer my loan funds that my cooperation is highly needed and i said with God all thing are possible,then i cooperate with them,days later i received another email from the bank again and they said that my loan funds ispletely transferred into my bank account that i should go and confirm from my bank in USA immediately my bank alerted me that ($5,000,000,00) waspletely transferred into my bank account and i said to my self that i am not going to keep this alone that i will say it to the whole world that there are still legitimate lender like Mr jay,Please my good brother's and sister's my advise to you out there now is that do not die in silent the bible says ask and it shall be given unto you even when you have been deceive by those fakepany too that claim to be a lender or you have been turn down in a process of trying to get a lone from the bank please i want you to contact this legitimatepany do not hesitate to contact him and sheer the same testimony with me hispany guarantyloanfirm759@gmail he will re-brand your life to a better one just like he did to me. sincerely maris garcia

maris garcia On Sep 7, 2014
HERE IS MY SUCESSFULL STORY My names are Mrs maris garcia from USA i want to use this opportunity to tell the whole world that this great legitimate,reliable and trusted lender Mr.Berry Jones,the CEO of berry Jones lenderpany lend me a loan of ($5,000,000,00) five million dollars when i needed a loan to pay some depth and build a restaurant after i was been scam by some various and fakepany that claim to be a lender on inter,when we started i thought he is like others fakepany that claim to be a lender but he ask me to lay my trust on him and do my best and live the rest for him i did every thing he required to secure a loan from hispany,and he told me that my loan funds is going to be deposited in the bank that as soon as my loan is been deposited that they will email me the scan copy of the deposit slip after some hours they really did,he also told me that the bank will notify me the rest details on how my funds will be transferred into my bank account and instructed me to cooperate with the bank to transfer my loan funds into my bank account in USA, some days later i received the bank email that they have now proceeded to transfer my loan funds that my cooperation is highly needed and i said with God all thing are possible,then i cooperate with them,days later i received another email from the bank again and they said that my loan funds ispletely transferred into my bank account that i should go and confirm from my bank in USA immediately my bank alerted me that ($5,000,000,00) waspletely transferred into my bank account and i said to my self that i am not going to keep this alone that i will say it to the whole world that there are still legitimate lender like Mr jay,Please my good brother's and sister's my advise to you out there now is that do not die in silent the bible says ask and it shall be given unto you even when you have been deceive by those fakepany too that claim to be a lender or you have been turn down in a process of trying to get a lone from the bank please i want you to contact this legitimatepany do not hesitate to contact him and sheer the same testimony with me hispany guarantyloanfirm759@gmail he will re-brand your life to a better one just like he did to me. sincerely maris garcia

Mrs Cililer Martina On Sep 6, 2014
Hello Every One, My Name is Mrs Cililer Martina i live in USA and life is worth livingfortably for me and my family now and i really have never seen goodness shown to me this much in my life as i am a struggling mum with three kids and i have been going through a serious problem as my son encountered a terrible accident last weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again, and i could not afford the bill for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i run to my father and he was not able to help, then when i was browsing through yahoo answers and i came across a loan lender Mr Bennand Evian who provides loans at an affordable interest rate and i have been hearing about so many scams on the inter but at this my desperate situation, i had no choice than to give it an attempt and surprisingly it was all like a dream, i received a loan of $250,000 USD and i payed for my son surgery and thank GOD today he is okay and can walk and is working and the burden is no longer so much on me any more and we can feed well and my family is happy today and i said to my self that i will shout aloud to the world of the wonders of GOD to me through this GOD fearing lender Mr Bennand Evian and i will advise anyone in genuine and serious need of loan to contact this GOD fearing woman via email.bennandevianloanoffer@gmail and i want you all to pray for this man for me. THANKS Mrs Cililer Martina "

pasca On Sep 6, 2014
Needing Financial Aid In South Africa? Loans Up To R 430 000 Quick Response With Oue. Get your loan of up to R430,000 approved in under an hour, Guaranteed! Personal Loans In South Africa Debt Quotes And Advice In South Africa. Insurance Quotes In South Africa We Will Get You The Best Quote On Your Financial Needs. Apply for cash Receive an Approval Check your Bank Account Get a personal loan for up to R280 000 cash which you can use for anything Help for people with a poor credit rating, garnishee orders and defaults Receive approval via SMS and get instant access to your loan Cellphone deals - Home Loans - Insurances Medical - Funeral - Hospital - Life - Car - Legal Cover. We at Elan financial service offers loans at 2% interest rates to all our clients around South Africa, we are 100% guaranteed loanpany that can deliver what we promise to our clients. With the track record that we have we can ensure you get the best of our service, we are proud to say that we help hundreds of thousands of people out that can't get help anywhere in the country.. That’s why we are proud to say we the best and the onlypany that can and will help you. I hope and believe that you will find us and ourpany and our work to your satisfaction. Have you being declined because of your bad credit history contact us today for your speedy loan Approval and transfer, You can Apply today irrespective of your location or race so far you meet our criteria, Contact us today via email: (elanfinancialservicesltd@yahoo.co.za)

Samantha Jeff On Sep 4, 2014
Hello everyone, My name is Samantha Jeff, I am from the Texas, United State, am here to testify of how i got my loan from Mr Andre Frank {frankloapany@yahoo} after i applied Two times from various loan lenders who claimed to be lenders right in this forum,i thought their lending where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mr Andre Frank the C.E.O of Andre Frank Loanpany who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Andre Frank, who really help me with my loan and changed my lief for better. I don't know if you are in need of an urgent loan, free feel to contact Mr Andre Frank on his email{ Frankloapany@yahoo} for help

Samantha Jeff On Sep 4, 2014
Hello everyone, My name is Samantha Jeff, I am from the Texas, United State, am here to testify of how i got my loan from Mr Andre Frank {frankloapany@yahoo} after i applied Two times from various loan lenders who claimed to be lenders right in this forum,i thought their lending where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mr Andre Frank the C.E.O of Andre Frank Loanpany who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Andre Frank, who really help me with my loan and changed my lief for better. I don't know if you are in need of an urgent loan, free feel to contact Mr Andre Frank on his email{ Frankloapany@yahoo} for help

Mrs.Allen On Sep 4, 2014
Wee, We Offer Private,mercial and Personal Loans with Minimal annual Interest Rates as Low as 3% with repayment periods ranging from 1 to 50 years to any part of the world with Flexible Loan Terms. * Are you losing sleep at nights worrying how to get a Loan? * Do you seek funds to pay off credits and debts? * Do you seek finance to set up your own business? * Do you seek loans to carry out large projects? Fill out the Application Form below: First name: Last name: Gender: Marital status: City: State/Province: Occupation: pany name:(if Any ). Work address: Country: Phone: Amount Needed As The Loan: Duration: Purpose of loan: Email us : amazontrinityfunding@gmail Phone: +1 814-367-3092 Online Attendant Mrs.Allen

lauren travis On Sep 4, 2014
TESTIMONY ON HOW I GOT MY LOAN FROM A GENUINE LOANPANY LAST WEEK ================================================================== I can't hide this great testimony that take place in my life I will love everyone to know it and be partaker, I am MRS LAUREN TRAVIS by name, I live in California, United State Of America, I want to thank (Mr Alvaro Amaranto) for his kindness upon my family life. I never knew that there is still nice lender like this on inter and here here on earth. Just some Months Back, I was in search for a loan of $50,000,00 as I was running out of money for feeding and rent. I was scammed $2,800 Dollars and I decided not to involve my self in such business again but a Friend of mine introduced me to a loan firm due to my appearance and doings. And I told him that I am not interested of any loan deal anymore but he told me that there is still a nice lender who he will rmend me to, and I made a trial and I am most grateful lucky am I today, I was given a loan amount of $50,000.00usd, by this greatpany (Alvaro loanpany) managed by (Mr Alvaro Amaranto) If you are in need of a genuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds I will advice you to, contact him via:(Alvaroloapany@yahoo) And you will be free from scams on the inter. All thanks to Mr Alvaro Amaranto You are the one who brought me and my family out of poverty. The reason why i am doing this is that, i promise Mr Amaranto that if i truly got my loan, i will advertize hispany and bring customers to hispany. Contact him now at (Alvaroloapany@yahoo) for the Loan you have been looking for is right on your door step if you contact this greatpany via:Alvaroloapany@yahoo God will continue to bless you and your family thanks you all and be wise to be free from scams if you contact him for we are pencil in the hand of God email:Alvaroloapany@yahoo ======================================================================

Cornell Destiny On Sep 4, 2014
Good day We offer private,mercial and personal loans with very low annual interest rates as low as 3% in one year to 50 years repayment period anywhere in the world. We offer loans of any amount. Our loans are well insured for maximum security is our priority. Are you losing sleep at nights worrying how to get a legit loan lender? Are you biting your nails to the quick? Instead of beating you, contact Cornell Destiny Loan Firm (Loan Services) now, the specialists who help stop loans bad credit history, to find a solution that victory is our mission. Those interested should contact me by email: Name of creditor: Cornell Destiny. Lender E-mail: cornelldestiny@live Best Regard, Mr. Cornell Destiny.

Mr James Luios On Sep 4, 2014
Do you need 100% Finance? I can service your financial need with less payback problem that is why we fund you for just 3%. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 3 to 20 years.Contact us at:jamesluiosloans12@gmail 1. Full Names:............................ 2. Contact Address:....................... 3. Loan Amount Needed:.................... 4. Duration of the Loan................... 5. Direct Telephone Number:................. Best Regards, Mr James Luios

Dr Milito Perez On Sep 4, 2014
Do You Need A Loan To Pay Off Your Bills Or Set Up A Business? If Yes Email Us Now On Drmilitoperezloanfirm@outlook With Names: Amount; Country: Duration: Gender: Phone No: Occupation: Via email Drmilitoperezloanfirm@outlook

Harold On Sep 3, 2014
Everything in my life was falling apart since my wife left me for his lover out side our marriage. My name is Harold from United States, My life bounced back the day i came across Dr.LATUMA contact details on the inter. When i contacted Dr.LATUMA that faithful day i was so suprised that just within 48 hours that i contaced Dr.LATUMA that my wife broke up with his lover and came back to me begging me to forgive him. Since that very moment i promised myself that i was going to try my best that everybody that are heart broken should be able to find Dr.AGBAGIE contact details on all almost every site on the inter. And the details are via phone number (+2347066686483) or via email:(latumaspelltemple@gmail) contact him today, he can also help cast any spell concerning your spiritual Affairs.

lauren travis On Sep 3, 2014
TESTIMONY ON HOW I GOT MY LOAN FROM A GENUINE LOANPANY LAST WEEK ================================================================== I can't hide this great testimony that take place in my life I will love everyone to know it and be partaker, I am MRS LAUREN TRAVIS by name, I live in California, United State Of America, I want to thank (Mr Alvaro Amaranto) for his kindness upon my family life. I never knew that there is still nice lender like this on inter and here here on earth. Just some Months Back, I was in search for a loan of $50,000,00 as I was running out of money for feeding and rent. I was scammed $2,800 Dollars and I decided not to involve my self in such business again but a Friend of mine introduced me to a loan firm due to my appearance and doings. And I told him that I am not interested of any loan deal anymore but he told me that there is still a nice lender who he will rmend me to, and I made a trial and I am most grateful lucky am I today, I was given a loan amount of $50,000.00usd, by this greatpany (Alvaro loanpany) managed by (Mr Alvaro Amaranto) If you are in need of a genuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds I will advice you to, contact him via:(Alvaroloapany@yahoo) And you will be free from scams on the inter. All thanks to Mr Alvaro Amaranto You are the one who brought me and my family out of poverty. The reason why i am doing this is that, i promise Mr Amaranto that if i truly got my loan, i will advertize hispany and bring customers to hispany. Contact him now at (Alvaroloapany@yahoo) for the Loan you have been looking for is right on your door step if you contact this greatpany via:Alvaroloapany@yahoo God will continue to bless you and your family thanks you all and be wise to be free from scams if you contact him for we are pencil in the hand of God email:Alvaroloapany@yahoo ======================================================================

kenneth On Sep 3, 2014
Do you need Business or Personal Loan? Ourpany is in the United States and Europe We give out loan to any individual andpany at 3% interest rate yearly. For more information, Contact Email: stanleyfinancialfirm@gmail

kenneth On Sep 3, 2014
Do you need Business or Personal Loan? Ourpany is in the United States and Europe We give out loan to any individual andpany at 3% interest rate yearly. For more information, Contact Email: stanleyfinancialfirm@gmail

kenneth On Sep 3, 2014
Do you need Business or Personal Loan? Ourpany is in the United States and Europe We give out loan to any individual andpany at 3% interest rate yearly. For more information, Contact Email: stanleyfinancialfirm@gmail

BARRY JONES On Sep 3, 2014
APPLY FOR AFFORDABLE LOAN WITH BARRY JONESPANY.CONTACT ADDRESS: barryjonesloanservice@hotmail Are you in need of a loan, or have you been turn down by your bank before, here is the the opportunity you have been looking for. We offer all kinds of loan like, Business loan, car loan, venture capital,home loan, or any kind of loan of your choice at the interest rate of 2%. Interested persons should contact us on this EMAIL: barryjonesloanservice@hotmail

Samantha Jeff On Sep 3, 2014
Hello everyone, My name is Samantha Jeff, I am from the Texas, United State, am here to testify of how i got my loan from Mr Andre Frank {frankloapany@yahoo} after i applied Two times from various loan lenders who claimed to be lenders right in this forum,i thought their lending where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mr Andre Frank the C.E.O of Andre Frank Loanpany who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Andre Frank, who really help me with my loan and changed my lief for better. I don't know if you are in need of an urgent loan, free feel to contact Mr Andre Frank on his email{ Frankloapany@yahoo} for help

john Davidson On Sep 3, 2014
We offer private,mercial and personal loans with very low annual interest rates as low as 3% in one year to 50 years repayment period anywhere in the world. We offer loans ranging from $ 5,000 to U.S. $ 100 million. Our loans are well insured for maximum security is our priority. Are you losing sleep at nights worrying how to get a legit loan lender? Are you biting your nails to the quick? Instead of beating you, contact John Davidson Agency (Loan Services) now, the specialists who help stop loans bad credit history, to find a solution that victory is our mission. Those interested should contact me by email: Name of creditor: Mr. John Davidson. Lender E-mail: johndavidsonloans@live

Samantha Jeff On Sep 3, 2014
Hello, I am Samantha Jeff, currently living in Texas city, USA. I am a widow at the moment with Four kids and i was stuck in a financial situation in May 2014 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a Man of God a private loan lender who gave me a loan of 350,000USD and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 2% interest rate and better repayment plans and schedule, please contact Mr Andre Frank (Frankloapany@yahoo). He doesn’t know that am doing this but am so happy now and i decided to let people know more about him and also i want God to bless him more. You can contact him through his email . Frankloapany@yahoo

Samantha Jeff On Sep 3, 2014
Hello, I am Samantha Jeff, currently living in Texas city, USA. I am a widow at the moment with Four kids and i was stuck in a financial situation in May 2014 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a Man of God a private loan lender who gave me a loan of 350,000USD and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 2% interest rate and better repayment plans and schedule, please contact Mr Andre Frank (Frankloapany@yahoo). He doesn’t know that am doing this but am so happy now and i decided to let people know more about him and also i want God to bless him more. You can contact him through his email . Frankloapany@yahoo

Zoe Amber On Sep 3, 2014
Wao , i never knew it was true until i got my loans also , each time i read several testimonies of people about this loanpany online i keep feeling it was a set up or probably they were all faking it but not knowing that it was abosolutely 100% real . i am also also happy and thankful that i am also a withness to it and now i am among all those testifying about this loanpany online. Queeh Stark Loan Council is the best !! I have had 100 % attention to everyone of my questions and they were handled immediately and above all also ,i just got my loan of $ 10,000.00 via my bank account here in neitherland. I would rmend this service to everyone! here is the details that i used in contacting them : mrsqueehstarkloanagency@admin.in.th Mrs Zoe Amber. Neitherland.

Zoe Amber On Sep 3, 2014
Wao , i never knew it was true until i got my loans also , each time i read several testimonies of people about this loanpany online i keep feeling it was a set up or probably they were all faking it but not knowing that it was abosolutely 100% real . i am also also happy and thankful that i am also a withness to it and now i am among all those testifying about this loanpany online. Queeh Stark Loan Council is the best !! I have had 100 % attention to everyone of my questions and they were handled immediately and above all also ,i just got my loan of $ 10,000.00 via my bank account here in neitherland. I would rmend this service to everyone! here is the details that i used in contacting them : mrsqueehstarkloanagency@admin.in.th Mrs Zoe Amber. Neitherland.

Sunjay Eric On Sep 3, 2014
Hello Are you a man or a woman? Are you in any moary difficulties in your business? Do you need a Financial assistance to pay off your bills? as good as debts? Do you wish to begin a latestmercial operation or raise your business? Contact Sunjay Eric Loan Ltd funds for a secure and a legit Loan offer of 2% interest contact us at: sunjayericloanfirm@hotmail Qualifications: 1)The Borrower must be at the age of 18years and above 2)Even with Bad credit, you still Guarantee a Borrower a Loan 3)The Loan Can Be Granted Even With low credit. Our loans are well insured and maximum security is our priority, Available Loans we offer are, * Personal Loans (Secure and Unsecured) * Business Loans (Secure and Unsecured) *bination Loan * Consolidation Loan and Many More: You can contact now via email: sunjayericloanfirm@hotmail LOAN APPLICATION Full Names:__________________________ Gender:_____________________________ Marital status:_______________________ Home Address:______________________ Country:_____________________________ Date of Birth:________________________ Amount Needed as Loan:________________ Loan Duration:________________________ Monthly Ie:_______________________ Occupation:___________________________ Phone:______________________________ Fax:_________________________________ Purpose for Loan:_____________________ Contact email:sunjayericloanfirm@hotmail Regard Sunjay Eric.

Spencer Ford On Sep 3, 2014
Do you think of getting a loan? are you seriously in need of an urgent loan to start up your own business? Are you in debt? This is your chance to achieve your desire because we give out personal loans, business loans, and corporate loans, and all kinds of loan with 2% interest for more information contact us via email: spencerfordloanfirm@yahoo

DR.OGONI On Sep 2, 2014
Since I was young I practiced African spiritual healing. I am gifted with powerful powers that have been passed down from generation to generation. Ie from a spiritual family that has a lot of powerful spells. My grandfather was the biggest Calabash reader in our village. I have lived in a spirit house for more than twenty years and there I have increased my knowledge. I am a big spiritual healer in . Africa, also known around the world. I have helped thousands of people with all sorts of problems. I have helped them to find love, to bring back lost loves, to break-up unwanted relationships, to improve the quality of intimacy, to save marriages,to create wealth, to heal souls and bodies, to protect themselves from black magic, envies and evil forces, to improve their luck, to help people finding new jobs and careers, or to make progress on those jobs they already have,to improve their studies, and many more. Inter is the way that allows me to reach more people that really need my help as you. The most acclaimed African Medium, God gifted & well known for hispetence & efficiency. Expert in all occult matters, even in the most desperate cases.Do you have the feeling that everything is going wrong in your life? Don’t hesitate to call the most acclaimed African Medium. I am a specialist in Calabash reading. Anything good or bad that I see in the reading I will show you in the Calabash. Whatever cultural background youe from, this type of healing is where others get successful happiness all the times. It is time to say no to problems and sicknesses. No matter what the problems is, the solution wille once you consult. 100% Guaranteed service and result. Feel free to contact me. One call today will change your life tomorrow. via my email dr.ogonisolutiontemple@gmail.

joe On Sep 2, 2014
I am Mr joe from USA, i am really happy that i and my wife are cured of HIV with the herbal medicine of Dr okowa, i have been suffering from this disease for the past 4years without solution until i came across the email of this great doctors,( drokowaspelltemple@ gmail ) who have cure so many people with his herbal medicine, i also chose to give him a chance to help me and my wife, he told me what to do and i kindly did it, and he gave us his herbal medicine and direct me on how to use, i also follows his direction for use and he ask us to go for a check up after 2week and which i did, to my greatest surprise our result came out as negative, we are really happy that there is someone like this DR okowa, who is ready to help anytime any day.to all the readers and viewers that is doubting this testimony stop doubting it and contact this Dr and see if he will not actually help you. i am not a stupid man that i wille out to the public and start saying what someone have not done for me. he is really a great man contact him now, drokowaspelltemple@ gmail i want you to know that all hope is not lost until every thing is done if you also have these following infections, these HIV/aids typhoid fever gonorrhea lancer fever. epilepsy. lung cancer. and also these man can also help you in giving you a very good help just give him a try and your problems will be solved. been casting spells with years of experience. he cast spells for different purposes like (1)If you want your ex back. (2) if you always have bad dreams. (3)You want to be promoted in your office. (4)You want women/men to run after you. (5)If you want a child. (6)[You want to be rich. (7)You want to tie your husband/wife to be yours forever. (8)If you need financial assistance. (9)Herbal care Contact him today on: Drokowaspelltemple@gmail

emily On Sep 1, 2014
i just got the sum of USD50,000 credit alert now from ULTIMATELOAN INSTITUTE am so surprise, i applied for a loan , and it was approved within 4working days and the repayment is so cool with 3$ interest rate,,if you need a loan , i advice you to contact ultimate loan institute on email; ultimateloaninstitute@outlook

emily On Sep 1, 2014
i just got the sum of USD50,000 credit alert now from ULTIMATELOAN INSTITUTE am so surprise, i applied for a loan , and it was approved within 4working days and the repayment is so cool with 3$ interest rate,,if you need a loan , i advice you to contact ultimate loan institute on email; ultimateloaninstitute@outlook

greg william On Aug 31, 2014
Greetings to everyone reading thisment!!! I am Greg William by name. I am out here to rmend the effort of Mark Oscar,I was in need of a consolidation loan amount of 50,000 and as soon as I got in contact with Mark Oscar Loan Firm on Wednesday last week and on Friday last week as well I receive an alert from my bank(Royal Bank of Scotland Group) that the fund was transferred,I want everybody on this site to contact Mark Oscar now via email on how to get a loan because I got my loan from them and I am very happy,so contact them now. Oscarloanfinance@hotmail Thanks!!!!!!

greg william On Aug 31, 2014
Greetings to everyone reading thisment!!! I am Greg William by name. I am out here to rmend the effort of Mark Oscar,I was in need of a consolidation loan amount of 50,000 and as soon as I got in contact with Mark Oscar Loan Firm on Wednesday last week and on Friday last week as well I receive an alert from my bank(Royal Bank of Scotland Group) that the fund was transferred,I want everybody on this site to contact Mark Oscar now via email on how to get a loan because I got my loan from them and I am very happy,so contact them now. Oscarloanfinance@hotmail Thanks!!!!!!

greg william On Aug 30, 2014
Greetings to everyone reading thisment!!! I am Greg William by name. I am out here to rmend the effort of Mark Oscar,I was in need of a consolidation loan amount of 50,000 and as soon as I got in contact with Mark Oscar Loan Firm on Wednesday last week and on Friday last week as well I receive an alert from my bank(Royal Bank of Scotland Group) that the fund was transferred,I want everybody on this site to contact Mark Oscar now via email on how to get a loan because I got my loan from them and I am very happy,so contact them now. Oscarloanfinance@hotmail Thanks!!!!!!

greg william On Aug 30, 2014
Greetings to everyone reading thisment!!! I am Greg William by name. I am out here to rmend the effort of Mark Oscar,I was in need of a consolidation loan amount of 50,000 and as soon as I got in contact with Mark Oscar Loan Firm on Wednesday last week and on Friday last week as well I receive an alert from my bank(Royal Bank of Scotland Group) that the fund was transferred,I want everybody on this site to contact Mark Oscar now via email on how to get a loan because I got my loan from them and I am very happy,so contact them now. Oscarloanfinance@hotmail Thanks!!!!!!

Sydney Ethan On Aug 29, 2014
Hello! Do you need financial help? Apply now for all kinds of loans and get money urgently! * Appointments loan amount ranging from $ 5,000 to $ 5,000000.00 * The interest rate is at 3% * Choose between 1 and 20 years of repayment. * Choose between Monthly and annual repayment plan. * Terms and conditions of the loan flexibility. All these plans and more, please contact us. Email: sgrmarketers@gmail Website: sgr.gnbo.ng Sincerely Management SGR Marketer's

Nicole Morgan On Aug 29, 2014
Hello everyone... I am Nicole Morgan by name, currently living in California, USA. I am a widow at the moment with two kids and i was stuck in a financial situation in August 2014 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a Man of God a private loan lender who gave me a loan of $87,000USD and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 2% interest rate and better repayment plans and schedule, please contact Mr Jad Harb. He doesn't know that am doing this but am so happy now and i decided to let people know more about him and also i want God to bless him more.You can contact him through his email: jadloandevelopers@hotmail

Mr Austine On Aug 29, 2014
Do you need 100% Finance? I can service your financial need with less payback problem that is why we fund you for just 3%. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 3 to 20 years.Contact us at:austinebest9@gmail 1. Full Names:............................ 2. Contact Address:....................... 3. Loan Amount Needed:.................... 4. Duration of the Loan................... 5. Direct Telephone Number:................. Best Regards,

BARRY JONES On Aug 29, 2014
APPLY FOR AFFORDABLE LOAN WITH BARRY JONESPANY.CONTACT ADDRESS: barryjonesloanservice@hotmail Are you in need of a loan, or have you been turn down by your bank before, here is the the opportunity you have been looking for. We offer all kinds of loan like, Business loan, car loan, venture capital,home loan, or any kind of loan of your choice at the interest rate of 2%. Interested persons should contact us on this EMAIL: barryjonesloanservice@hotmail

greg william On Aug 29, 2014
Greetings to everyone reading thisment!!! I am Greg William by name. I am out here to rmend the effort of Mark Oscar,I was in need of a consolidation loan amount of 50,000 and as soon as I got in contact with Mark Oscar Loan Firm on wednesday last week and on friday last week as well I receive an alert from my bank(Royal Bank of Scotland Group) that the fund was transferred,I want everybody on this site to contact Mark Oscar now via email on how to get a loan because I got my loan from them and I am very happy,so contact them now. Oscarloanfinance@hotmail Thanks!!!!!!

Taylor Walker On Aug 29, 2014
Do you need Business or Personal Loan? Do you wish to refinance yourpany? Ourpany is based in United States and Europe. We give out loan to any individual andpany at 2% interest rate yearly. with no upfront fee, We give out loan at a minimum in $5000 to a maximum of $10 million . we offer different services Below* Personal Loans (Secure and Unsecured ) * Business Loans (Secure and Unsecured ) * Home Improvement * Inventor Loans * Auto Loans * Mortgage Marriage * Health loan , etc. If interested , Do contact us through our email : 3067516878@qq Thanks Taylor Walker

mrs lily On Aug 28, 2014
Good day ladies and gentle men am Mrs Lily Brown a God fearing and honest loan lender who can change your life from bad to Good i want you to understand the fact that i give my loans out in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret in this loan transaction because i will make you smile through out this transaction, because you where not born to be a loser my terms and conditions are very simple what are you waiting for asap why don't you try Mrs Lily Brown loanpany and be free from debts,only serious clients should contact me Asap via Emai:(mrslilybrownco9@gmail) for further proceeds. Please fill the below application form and get back if interested and you will be glad of knowing a loan lender like Mrs Mrs Lily Brown BORROWER'S DATA 1)Full Names: 2)Country: 3)address: 4)State: 5)Gender: 6)Marital Status: 7)Occupation: 8)Phone Number: 9)Monthly ie: 10)Loan Amount Needed: 11)Loan Duration: 12)Purpose of Loan: I will be looking forward to hear from you so as to proceed. Kind Regards Mrs Lily Brown

samuel On Aug 28, 2014
Hello Dear Loan Seekers Solution for your financial problems, We are a fully registered and certified loan firm, that offers secured and unsecured loans to individuals andpanies at a very low interest rate of 3%. We offer long and short term loans.Ourpany has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and panies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a work of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations. We are a group of energetic and experienced loan professionals with thorough knowledge of financial markets. We have many partners in real estate, banking and technology fields that can assist obtain financing. Almost all of our business are through referrals by satisfied and repeat customers. We offer the right solution to your financial needs. We stand apart from other lenders, because we believe in customers service and we stay with you, until you get the best results you want. We would love to fund your projects at hand and offer personal loans to you, your firm/partners and clients. In general we offer mortgages, home loans business loans and bad credit loansmercial loans, start-up- working capital loans construction loans car loans, hotel loans Xmas loans Our interest rate is 3% per annual repaid, our loan takes a maximum of 3 working days,to get to all approved customers across the globe. If you are truly in need of any kind of loan for various reasons then You have to fill this loan application form and return to us as soon as possible with the email provided below, and once we receive the application details we will proceed folder on the transaction and inform you of all the necessary info needed for the security of the loan. You are advice to send details to this email ( coperativeloanfunds@gmail ) LOAN APPLICATION FORM PERSONAL INFORMATION Full Name............................ Loan Amount Needed........................ Duration:....................................... Gender; ... .................................. Religion :................................. Province/ State :.................................. City :.. ..................................... Country................ Age........................ Contact Address;... ........................... Occupation :......................................... Monthly Ie ................... Cell Phone Number :........................ Purpose Of Loan :............................... Have you apply before {yes or no}................. Goog Luck Thanks and Regards

Vicky On Aug 28, 2014
Hello I got your mail and it was well read and noted I want you to get me this info to get send you the card. Your name Your country Your age Your mobile number What type of card do you use Your occupation Once I get this details I will proceed in sending you the card asap

clarisa steve On Aug 27, 2014
Hello i am Clarisa Steve from Florida USA,when i was in need of a loan of $230,000 to transit a business my friend introduced Mark Oscar loan firm to me because she got a loan from them sometime ago, so I was so scared because of the scams in the inter but my friend encouraged me to give them a try and i gave them a try and i got my loan within 4hrs and their ways was very easy no credit check,no cosigner,no collateral and their interest rate is just 2%, so i will advice anyone out there that need a loan to contact them via their Email:(oscarloanfinance@hotmail).

mrs lily On Aug 27, 2014
Good day ladies and gentle men am Mrs Lily Brown a God fearing and honest loan lender who can change your life from bad to Good i want you to understand the fact that i give my loans out in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret in this loan transaction because i will make you smile through out this transaction, because you where not born to be a loser my terms and conditions are very simple what are you waiting for asap why don't you try Mrs Lily Brown loanpany and be free from debts,only serious clients should contact me Asap via Emai:(mrslilybrownco9@gmail) for further proceeds. Please fill the below application form and get back if interested and you will be glad of knowing a loan lender like Mrs Mrs Lily Brown BORROWER'S DATA 1)Full Names: 2)Country: 3)address: 4)State: 5)Gender: 6)Marital Status: 7)Occupation: 8)Phone Number: 9)Monthly ie: 10)Loan Amount Needed: 11)Loan Duration: 12)Purpose of Loan: I will be looking forward to hear from you so as to proceed. Kind Regards Mrs Lily Brown

Harry Dike On Aug 27, 2014
Good Day, Do you need a loan to boost up your business, pay up your utility bills, personal loan, car loan, home loan, student loan, business loan, Inventor loan, debt consolidation. Loans application can be granted same week? A legitimate & accredited loan lender, We give out loan of all kinds in a very fast and easy way, hurry now and contact us for a loan. our loan is cheap, flexible and easy to obtain. Get back to us if intrested on the details below:Email: harrydikeloanfirm@ouklook Mr. Harry Dike. General Consultant HARRY DIKE FINANCIAL HOME. Email: harrydikeloanfirm@outlook

Nicole Morgan On Aug 26, 2014
Greetings to every one that is reading this testimony... My name is Nicole Morgan from United States. I want to thank Mr Jad.J Harb who helped me to get a loan. For the past three months, I have been searching for a loan to settle my debts, everyone I met scammed and took my money until I finally met Mr Jad. He was able to give me a loan of 87,000 US Dollars. He can also help you. He has also helped some other colleagues of mine. If you need any financial help, kindly contact hispany using: jadloandevelopers@yahoo I believe he can help you. He doesn't know that I am doing this by spreading his goodwill but I feel I should share this with you all to free yourself from scams, please beware of impersonators and contact the right loanpany. Thanks.. Nicole Morgan

James On Aug 26, 2014
If you need a loan from a trusted lender, with trusted conditions at a reasonable interest rate of 3%, then you are advised to visit for more info. You will be glad you did. email: j_carl20@yahoo jamescarlfirms.webs

Mr Austine On Aug 24, 2014
Do you need 100% Finance? I can service your financial need with less payback problem that is why we fund you for just 3%. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 3 to 20 years.Contact us at:austinebest9@gmail 1. Full Names:............................ 2. Contact Address:....................... 3. Loan Amount Needed:.................... 4. Duration of the Loan................... 5. Direct Telephone Number:................. Best Regards, Mr Austine

MR MASON On Aug 24, 2014
Needing Financial Aid In South Africa? Loans Up To R530,000 Quick Response With Oue. Get your loan of up to R500,000 approved in under an hour, Guaranteed! Personal Loans In South Africa Debt Quotes And Advice In South Africa. Insurance Quotes In South Africa We Will Get You The Best Quote On Your Financial Needs. Apply for cash Receive an Approval Check your Bank Account Get a personal loan for up to R300,000 cash which you can use for anything Help for people with a poor credit rating, garnishee orders and defaults Receive approval via SMS and get instant access to your loan Cellphone deals - Home Loans - Insurances Medical - Funeral - Hospital - Life - Car - Legal Cover. We at congres bridgepany limited offers loans at 2% interest rates to all our clients around South Africa, we are 100% guaranteed loanpany that can deliver what we promise to our clients. With the track record that we have we can ensure you get the best of our service, we are proud to say that we help hundreds of thousands of people out that can't get help anywhere in the country.. That’s why we are proud to say we the best and the onlypany that can and will help you. I hope and believe that you will find us and ourpany and our work to your satisfaction. Have you being declined because of your bad credit history contact us today for your speedy loan Approval and transfer, You can Apply today irrespective of your location or race so far you meet our criteria, Contact us today via email: (congresbridgpanylimited@gmail )

lauren travis On Aug 23, 2014
TESTIMONY ON HOW I GOT MY LOAN FROM A GENUINE LOANPANY LAST WEEK ================================================================== I can't hide this great testimony that take place in my life I will love everyone to know it and be partaker, I am MRS LAUREN TRAVIS by name, I live in California, United State Of America, I want to thank (Mr Alvaro Amaranto) for his kindness upon my family life. I never knew that there is still nice lender like this on inter and here here on earth. Just some Months Back, I was in search for a loan of $50,000,00 as I was running out of money for feeding and rent. I was scammed $2,800 Dollars and I decided not to involve my self in such business again but a Friend of mine introduced me to a loan firm due to my appearance and doings. And I told him that I am not interested of any loan deal anymore but he told me that there is still a nice lender who he will rmend me to, and I made a trial and I am most grateful lucky am I today, I was given a loan amount of $50,000.00usd, by this greatpany (Alvaro loanpany) managed by (Mr Alvaro Amaranto) If you are in need of a genuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds I will advice you to, contact him via:(Alvaroloapany@yahoo) And you will be free from scams on the inter. All thanks to Mr Alvaro Amaranto You are the one who brought me and my family out of poverty. The reason why i am doing this is that, i promise Mr Amaranto that if i truly got my loan, i will advertize hispany and bring customers to hispany. Contact him now at (Alvaroloapany@yahoo) for the Loan you have been looking for is right on your door step if you contact this greatpany via:Alvaroloapany@yahoo God will continue to bless you and your family............ thanks you all and be wise to be free from scams if you contact him for we are pencil in the hand of God....... email:Alvaroloapany@yahoo

Eddie Brown Finance On Aug 23, 2014
Are you a business man or woman? Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals,panies, Realtor and Corporate Bodies) at our superb interest rate of 4%. For application and more information send replies to the following E-mail address: brownfinance233@hotmail Thanks, Mr. Eddie Brown Finance.

Mr Paul Hart On Aug 23, 2014
Hello, I am Mr Paul Hart a private loan lender and we give loan at 3% interest rate, i offer loans to individuals andpanies or group of people who are financially down. It is a financial Opportunity at your door step up today and get a quick look there loan. There many financial Opportunity and assistance Throughout the site and are still can not take it. But it is a financial Opportunity at the door step, and droughts and can't miss this golden Opportunity. The service is provided to Individuals,panies, and business men and women. The amount loan available in a range from $ 1,000.00 is $ 500,000,000.00 or Your choice. here are some questions: Are you in need of loan no Meaning, you want it pay accounts You are in financial problem?, You need financial solution?. Here is the solution for all your financial problems. I give out loans for project, business, taxes, bills, and many Other Reasons, our loan are easy and * censored * For more information contact us by e-mail: paulhartloanfirm@yahoo FIRST necessary information Name and surname .......... ...................................................... Personal phone number ...................................................... Country .......... ...................................................... Address :......... ...................................................... State .......... ...................................................... Age .......... ...................................................... Sex ......................................................... Have you applied before ? .......... ...................................................... Marital Status .......... ...................................................... The loan amount needed .......... ...................................................... Duration of loans .......... ...................................................... Do you speak English ?......... ...................................................... Purpose of credit .......... ...................................................... Occupation .......... ...................................................... Monthly ie ...................................................... SOME ANSWERED FAQS (Frequently Asked Questions) We have 1 simple form for you to fill out to apply for a loan. fill it out and email it to me. The application covers the below 2 topics. * Credit authorization* Borrower information 1. What is the interest rate?The interest rate depends upon the project. The rate is 3% interest only annual interest rate payable monthly. 2. How long is the loan for?You can choose a convenient duration, to suite your pocket. There is no pre payment penalty 3. Does my credit matter? No 4. Where do you loan? We loan World wide 5. How long does it take to fund?After submitting the Loan Application, you can expect a preliminary answer less than 24 hours and funding within 72-96 hours of receiving the information we need from you. 6. How much will my payments be?That will be calculated for you and sent to you in a repayment schedule along with the loan terms. I gladly awaits your swift response, best Regards, Mr Paul Hart.

michael On Aug 22, 2014
who ever is reading this testimony today should please celebrate with me and my family because it all started like a joke to some people and others said it was impossible. my name is Michael i live in Chicago i am happily married with two kids and a lovely wife something terrible happen to my family along the line, i lost my job and my wife packed out of my house because i was unable to take care of her and my kids at that particular time. i manage all through five years, no wife to support me to take care of the children and theree a faithful day that i will never forget in my life i met an old friend who i explain all my difficulties to, and he took me to a spell caster and and the name of the temple is called, DR Okundonor, i was assure that everything will be fine and my wife wille back to me after the wonderful work of Dr Okundonorgreatspell, my wife came back to me and today i am one of the richest man in my country. i advice you if you have any problem email him with this email: dr.okundonorgreatspell@gmail and you will have the best result. take things for granted and it will be take from you. i wish you all the best. Contact:( dr.okundonorgreatspell@gmail), or call he with this phone number, +2348137828640

Greg On Aug 22, 2014
Do you need loan? Have you been turned down by loan lenders ever in life, here is another opportunity for you, No social security and no credit check, 100% Guarantee. All you have to do is let us know exactly what you want and we will surely make your dreame true. Easy Loans says YES when your banks say NO. Lastly, we fund small scale loan firm, intermediaries, small scale financial institutions for we have unlimited capital. For further details to go about procuring a loan from: Kindly respond immediately to this E-mail: We offer the following kinds of loans *Investors Loans *Debt Consolidation *Second Mortgage *Business Loans *Personal Loans *International Loans *Home Loans

mack claude On Aug 21, 2014
HERE IS MY SUCESSFULL STORY My names are Mrs maris garcia from USA i want to use this opportunity to tell the whole world that this great legitimate,reliable and trusted lender Mr.Berry Jones,the CEO of berry Jones lenderpany lend me a loan of ($5,000,000,00) five million dollars when i needed a loan to pay some depth and build a restaurant after i was been scam by some various and fakepany that claim to be a lender on inter,when we started i thought he is like others fakepany that claim to be a lender but he ask me to lay my trust on him and do my best and live the rest for him i did every thing he required to secure a loan from hispany,and he told me that my loan funds is going to be deposited in the bank that as soon as my loan is been deposited that they will email me the scan copy of the deposit slip after some hours they really did,he also told me that the bank will notify me the rest details on how my funds will be transferred into my bank account and instructed me to cooperate with the bank to transfer my loan funds into my bank account in USA, some days later i received the bank email that they have now proceeded to transfer my loan funds that my cooperation is highly needed and i said with God all thing are possible,then i cooperate with them,days later i received another email from the bank again and they said that my loan funds ispletely transferred into my bank account that i should go and confirm from my bank in USA immediately my bank alerted me that ($5,000,000,00) waspletely transferred into my bank account and i said to my self that i am not going to keep this alone that i will say it to the whole world that there are still legitimate lender like Mr jay,Please my good brother's and sister's my advise to you out there now is that do not die in silent the bible says ask and it shall be given unto you even when you have been deceive by those fakepany too that claim to be a lender or you have been turn down in a process of trying to get a lone from the bank please i want you to contact this legitimatepany do not hesitate to contact him and sheer the same testimony with me hispany guarantyloanfirm759@gmail he will re-brand your life to a better one just like he did to me. sincerely maris garcia

Rafel Timothy On Aug 21, 2014
Hello, Are you a man or a woman you have been looking for a loan? To expand your business or setting up your own business or to pay off your debt or house rent if so then we are your answer, We offer loan from 5,000.00 to the maximum of 500,000,000.00 dollars with any duration that you can afford and any type of loan requested by the customer must be such as: * Personal Loan * Business Loan * Private loan And More..... immediately after filling the loan application form you can immediately return back to us, following data: LOAN APPLICATION Name:___________________________________________ Loan Amount Needed: ___________________________ Sex: ___________________________________________ Marital Status: _________________________________ Country: ________________________________________ State: ________________ Age: _________________ Telephone No:________________________________ Loan Duration:__________________________ monthly Ie:______________________________ Occupation: ______________________ Purpose of loan: _________________________ Religion: _____________________________________ Contact Us Back Via Ourpany Mail: financialfunding@manager.in.th Regards. Rafel

daniel smith On Aug 20, 2014
Get. Credit. Application Are you a business man or woman? Are you financially stressed or do you need money to start your own business? need to be addressed Debt or loan to pay off your bills or start a nice business? you Have a low credit rating, and you are harder on credit From local banks and other financial institutions? Do you need a loan or funding for any reason? Such as: .) Personal Loan, Business Expansion b.) Business Start-up and Education c.) Debt Consolidation. We offer loans at a low interest rate of 2%, and no credit check, you can Offer personal loan, debt consolidation loan, venture capital, Business loans, education loans, home loans or "loans for any reason! We offer any more credit here in the stellarpany (danielsmithinvestment01@hotmail) FILL THE FORM credit for details. =============================== Borrower's Full Name: Country: State: Contact Address: Contact your cell phone: Gender: Age: Amount needed as loan: Duration for Loan: Monthly revenue from ads: Loan Purpose: With best wishes, Mr. Daniel Smith Loan Officer / CEO Reply by e-mail: (danielsmithinvestment01@hotmail)

adams wilfred On Aug 19, 2014
*Do you need a loan for any reason? visit us with a affordable Loan Offer at 2% Interest Rate with a minimum of $5,000 and a maximum of$10,000,000,00 and If you are interested you should please contact us at:PAULWILLIAMSLOANFIRM@FINANCIER for more info. if you are interested,You are required to fill out and send us the following details so that we can proceed with the loan transaction. Name: Address: State: Country: Sex:Age: Loan amount: duration:monthly ie: Phone number: Loan purpose: In acknowledgment of these details, We shall send you our terms along with repayment schedule and If you agree to the terms and conditions ,you stand to get your loan within 24hours. This depends on your seriousness and urgency in obtaining the loan.email us(PAULWILLIAMSLOANFIRM@FINANCIER) Thanks, best regards as we await your urgent response.Mr Adams Wilfred

adams wilfred On Aug 19, 2014
*Do you need a loan for any reason? visit us with a affordable Loan Offer at 2% Interest Rate with a minimum of $5,000 and a maximum of$10,000,000,00 and If you are interested you should please contact us at:PAULWILLIAMSLOANFIRM@FINANCIER for more info. if you are interested,You are required to fill out and send us the following details so that we can proceed with the loan transaction. Name: Address: State: Country: Sex:Age: Loan amount: duration:monthly ie: Phone number: Loan purpose: In acknowledgment of these details, We shall send you our terms along with repayment schedule and If you agree to the terms and conditions ,you stand to get your loan within 24hours. This depends on your seriousness and urgency in obtaining the loan.email us(PAULWILLIAMSLOANFIRM@FINANCIER) Thanks, best regards as we await your urgent response.Mr Adams Wilfred

Harmand Felix On Aug 19, 2014
Hello! Do you need financial help? Apply now for all kinds of loans and get money urgently! * Appointments loan amount ranging from $ 5,000 to $ 5,000000.00 * The interest rate is at 3% * Choose between 1 and 20 years of repayment. * Choose between Monthly and annual repayment plan. * Terms and conditions of the loan flexibility. All these plans and more, please contact us. Email: Zopadepartment@gmail Sincerely Management Zopa Department

Dr sindoris mamun On Aug 19, 2014
Goodday, I am dr sindoris mamun, A herbal doctor who has gone in research and has discovered a herbal spiritual medicine in which i have been using in curing all kinds of sickness and diseases. I have different name for my herbal medicine because they all have different functions. I have the "ASPOLINE BC ROOT MEDICINE AND TIVON D1, D2 CETRIN" which i use in curing HIV/AIDS, and "OTOPY DV HERBAL MEDICINE" which i use in curing Uterine Fibroid etc... email me on my personal email herbalmedicinecure12@gmail and tell me your sickness or problem so i can prepare the healing herbal medicine to cure that particular sickness. With the power of the ancestors, i have been curing people with different sickness have testified all over, Cancer, Fibroid, HIV/AIDS, Herpes, burns, etc. email me today and let me free you from that sickness with my herbal spiritual healing medicine approved by FDA and other legal drugs agencies because its a spiritual healing medicine which has never failed. And it has no side effect at all in anyway. I Encourage you not to live with that sickness or disease. Also if you need someone to fall in love and never leave you, or you are looking for a lost love and want them back we can help with that. Email me today herbalmedicinecure12@gmail Dr sindoris mamun.

katrina On Aug 17, 2014
GOOD DAY!!!!! I am Mrs katrina a private loan lender, Are you in any financial difficulties? or you need an urgent loan for private ormercial purposes? If so you can contact us now with a 3% interest rate.plete the credit application form correctly and return as soon as possible. Credit Application FORM * Full Name:……………………. . * Age: …………………Gender……………………… * Address:……………………. * Country: ………………………. *Loan Amount Needed: …………………. * Purpose of loan:……………………. Loan Term: ………….. * Sex: ………………….…….. * Marital status: ………………….. .. * Next of Kin:…………………….. .. * Ie: …………………….. *Mobile Phone / Cell: ………. . …….. * Email:…………………. …. Waiting for your urgent response email us via :katrinaloaninvestment@outlook

Mr Austine On Aug 17, 2014
Do you need 100% Finance? I can service your financial need with less payback problem that is why we fund you for just 3%. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 3 to 20 years.Contact us at:austinebest9@gmail 1. Full Names:............................ 2. Contact Address:....................... 3. Loan Amount Needed:.................... 4. Duration of the Loan................... 5. Direct Telephone Number:................. Best Regards, Mr Austine

Mr Austine On Aug 17, 2014
Do you need 100% Finance? I can service your financial need with less payback problem that is why we fund you for just 3%. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 3 to 20 years.Contact us at:austinebest9@gmail 1. Full Names:............................ 2. Contact Address:....................... 3. Loan Amount Needed:.................... 4. Duration of the Loan................... 5. Direct Telephone Number:................. Best Regards, Mr Austine

Horace On Aug 16, 2014
All Law are for help and protect senior,but all agency doing inverse, like section 8, I am near to 66 must waiting a few year, like I can die.And discriminate senior in all ways, go to legal aid and will found a some, all are against senior if are conservative,plain to my State because are conservative Governor and simple get no help, because all agency are in hend of liberals who real discriminate senior. Are no more Justice IN USA.

James On Aug 13, 2014
BE CAREFUL HERE NOBODY CAN HELP YOU HERE OR EVEN SUGGEST HOW YOU CAN GET YOUR EX OR LOVE BACK,ANY TESTIMONIES OF MOST SPELL CASTER HERE MUST BE IGNORE.BECAUSE MOST OF THEM ARE SCAM I MEAN REAL SCAM WHICH I WAS A VICTIM AND I GOT RIPPED OF THOUSANDS OF DOLLARS BECAUSE I WAS SO ANXIOUS TO GET MY WIFE BACK AFTER SHE LEFT ME FOR OVER 2 YEARS WITH MY 7 YEARS OLD SON JERRY,I HAVE APPLIED TO 7 DIFFERENT SPELL CASTER HERE AND ALL TO NO AVAIL THEY ALL ASK FOR SAME THING SEND YOUR NAME YOUR EX NAME ADDRESS AND PICTURE PHONE NUMBER ETC WHICH I DID OVER AND OVER AGAIN AND MOST OF THEM WERE FROM WEST AFRICA UNTIL I SAW A POST ABOUT MAMA ANITA SPELL AND I DECIDED TO GAVE HER MY LAST TRAIL.SHE ASK ME FOUR THINGS MY REAL NAME,MY EX AND MY EX MOTHER NAME AND $180 AND SAID MY EX WILLE BACK IN 24HOURS, I HAVE PAID OVER $3000 ON SPELL CASTING AND COURIER AND NOTHING HAVE WORK FOR ME AFTER 3 DAYS I WAS THINKING ABOUT HOW MUCH I HAVE LOST SO FAR SO I SAID LET ME GIVE HER A TRY SO I CALLED HER AGAIN AND SEND MY REAL NAME,MY EX AND MY EX MOTHER NAME AND THE $180 BECAUSE I SWEAR IT WAS MY LAST TRY SO I WAS WAITING AS SHE TOLD ME TO WAIT TILL NEXT DAY AND I COULD NOT SLEEP THAT NIGHT BECAUSE I REALLY LOVE MY WIFE AND WANT HER BACK AT 9PM THAT DAY I SAW MY WIFE ON LINE ON FACE BOOK AND SHE SAID HI AT FIRST I WAS SHOCK BECAUSE SHE NEVER TALK WITH ME FOR THE PAST A YEAR AND 9 MONTH NOW I DID NOT REPLY AGAIN SHE SAID ARE YOU THERE? I QUICKLY REPLY YES AND SHE SAID CAN WE SEE TOMORROW I SAID YES AND SHE WENT OFF-LINE I WAS CONFUSED I TRY TO CHAT HER AGAIN BUT SHE WAS NO MORE ON LINE I COULD NOT SLEEP THAT NIGHT AS I WAS WONDERING WHAT SHE IS GOING TO SAY, BY 7.AM THE NEXT MORNING SHE GAVE ME A MISS CALL I DECIDED NOT TO CALL BACK AS I WAS STILL ON SHOCK AGAIN SHE CALL AND I PICK SHE SAID CAN WE SEE AFTER WORK TODAY I SAID YES SO SHE END THE CALL IMMEDIATELY I GOT OFF WORK SHE CALL ME AND WE MEET AND NOW WE ARE BACK AGAIN I CALL MAMA ANITA THE NEXT DAY THANKING HER FOR WHAT SHE HAS DONE IN FACT I STILL CALL HER AND THANK HER AS MY LIFE WAS NOTPLETE WITHOUT MY WIFE PLEASE BE CAREFUL HERE I HAVE BEEN SCAM THOUSANDS OF DOLLARS IF YOU WANT A TRUE LOVE SPELL THEN CONTACT MAMA ANITA (mama.anitatruelovespell@gmail)

Johnny Elvis On Aug 5, 2014
A MUST READ: Good day everyone, I am Mr Johnny Elvis by name, i am a citizen of new york USA, i have been looking forward for a genuine loanpany for the past 2 months and all i got was group of scams who made me to trust them and at the end of the day, they duped me of $7000 without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loanpanies on again, because i never trusted any loanpany again since i was scammed, so i went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loanpany that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me within 24 hours, i could not believe, i am happy and rich again and i am thanking God that upon this scams all over the places a genuinepany like this still exist, please i advise everyone out there who are in need of loan and can be reliable, trusted and capable of paying back at the due time of funds to contact (eladioloapany@yahoo ) or (eladioloapany@gmail) and be free from scams on the inter. they will never disappoint you.

kate On Aug 2, 2014
This is my testimony about the good work of a priest who helped me..My name is kate marvis and I base in USA. My life is back!!! After 3 years of marriage, my husband left me and left me with kid, I felt like my life was about to end, and was falling apart. Thanks to a spell caster called priest okpobo who i met online. On one faithful day, as I was browsing through the inter, I was searching for a good spell caster that can solve my problems. I came across series of testimonies about this particular spell caster. Some people testified that he brought their Ex lover back, some testified that he restores womb, some testified that he can cast a spell to stop divorce and so on. There was one particular testimony I saw, it was about a woman called grace,she testified about how priest okpobo brought back her Ex lover in less than 72 hours and at the end of her testimony she drop priest okpobo email address. After reading all these,I decided to give the great priest a try. I contacted him via email and explained my problem to him. In just 3 days, my husband came back to me. We solved our issues, and we are even happier than before. priest okpobo is really a talented and gifted man and i will not stop publishing him because he is a wonderful man...If you have a problem and you are looking for a real and genuine spell caster to solve that problem for you. Try the priest okpobo today, he will be the answer to your problem. Here's his contact: priestokpobomagictemple131@gmail Thank you great priest okpobo. Contact him for the following: (1)If you want your ex back. (2) if you always have bad dreams. (3)You want to be promoted in your office. (4)You want women/men to run after you. (5)If you want a child. (6)[You want to be rich. (7)You want to tie your husband wife to be yours forever. (8)If you need financial assistance. (9)Herbal care 10)Help bringing people out of prison (11)Marriage Spells (12)Miracle Spells (13)Beauty Spells (14)Property Charm (15)Attraction Spells (16)Evil Eye Spells (17)Kissing Spell (18)Remove Sickness Spells Contact him today on: priestokpobomagictemple131@gmail

Johnny Elvis On Aug 2, 2014
Hello everyone i am Johnny Elvis by name a citizen Texas of USA i am here to testify unbehalf of Mr Eladio Cruz the C.E.O of Eladio loanpany (eladioloapany@yahoo) who is a God sent to me and my family and the world in general, Mr Eladio brought light into my family by granting me my desired loan when all hope was lost after being scammed by several loanpanies who promised to grant me loan and made me pay fees which i never got any loan from. You can email them today at: eladioloapany@yahoo for your loan and be free from scams on the inter. They give all kinds of loan at a very quick and affordable rate. they will never disappoint you. i am a living testimony to that and i will continue testifying on their behalf.

lauren travis On Jul 31, 2014
HOW I GOT MY LOAN FROM A GENUINE LOAN LENDER!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Hello everyone!!! My name is MRS LAUREN TRAVIS A CITIZEN of USA. i have been scammed by 3 different Inter international lender, they all promise to give me a loan after making me pay several fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 10,000USD. One day as i was browsing through the inter with tears on my eye i came across a testimony of man who was also scammed and eventually got linked to a legit loanpany called ALVAROLOAPANY where he finally got his loan, so i decided to contact the same loanpany and then told them my story on how i have been scammed by 3 different loanpany, l made the right choice of contacting them. i filled the loan application form and proceeded, I explain to thepany by mail and all they told me was to cry no more because i will get my loan in theirpany and also made that which was requested of me and I was given a loan amount of $85,000 Dollars by this greatpany (ALVAROLOAPANY} managed by Mr.ALVARO AMARANTO and here i am today happy because ALVAROLOAPANY has given me a loan so i made a vow to my self that i will keep testifying on the inter on how i got my loan. Do you need a loan urgently kindly and quickly contact ALVAROLOAPANY now for your loan via email:alvaroloapany@yahoo Thank You All For Your Understanding. Mrs.Lauren Travis

Zoe Amber On Jul 31, 2014
Wao , i never knew it was true until i got my loans also , each time i read several testimonies of people about this loanpany online i keep feeling it was a set up or probably they were all faking it but not knowing that it was absolutely 100% real . i am also also happy and thankful that i am also a witness to it and now i am among all those testifying about this loanpany online. Queeh Stark Loan Council is the best !! I have had 100 % attention to everyone of my questions and they were handled immediately and above all also ,i just got my loan of $ 10,000.00 via my bank account here in herlands. I would rmend this service to everyone! here is the details that i used in contacting them : mrsstarkloans@aol Mrs Zoe Amber. herlands.

lauren travis On Jul 30, 2014
HOW I GOT MY LOAN FROM A GENUINE LOAN LENDER!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Hello everyone!!! My name is MRS LAUREN TRAVIS A CITIZEN of USA. i have been scammed by 3 different Inter international lender, they all promise to give me a loan after making me pay several fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 10,000USD. One day as i was browsing through the inter with tears on my eye i came across a testimony of man who was also scammed and eventually got linked to a legit loanpany called ALVAROLOAPANY where he finally got his loan, so i decided to contact the same loanpany and then told them my story on how i have been scammed by 3 different loanpany, l made the right choice of contacting them. i filled the loan application form and proceeded, I explain to thepany by mail and all they told me was to cry no more because i will get my loan in theirpany and also made that which was requested of me and I was given a loan amount of $85,000 Dollars by this greatpany (ALVAROLOAPANY} managed by Mr.ALVARO AMARANTO and here i am today happy because ALVAROLOAPANY has given me a loan so i made a vow to my self that i will keep testifying on the inter on how i got my loan. Do you need a loan urgently kindly and quickly contact ALVAROLOAPANY now for your loan via email:alvaroloapany@yahoo Thank You All For Your Understanding. Mrs.Lauren Travis

Sheila Russell On Mar 10, 2014
I am 56+ yr old living in senior/Disable apartment through Hud and phoenix Housing Authority. I like to relocated to Illinois and transfer my Hud there in an simply style one bedroom apartment or low ie that accept Hud and a Hud apartment listing of such ones that do accepts out state transfer. Please reply.

Diana Erickson On Feb 26, 2014
I am a 55 year old disabled women in Lincoln Nebraska. I do receive Social Security Disability. I have been homeless since August of 2012. I am temporary staying with a friend but have to move again this week. I have no place to go. The waiting list for housing is several years. I do not qualify for senior housing because I am not yet 62. There are no programs in Lincoln that can help me. The homeless shelter is full. I have slept in my car before, but it is Winter and very cold. I am scared and alone. Not sure what to do now. Can anyone help me?

Ms Stover On Feb 17, 2014
Hello, im interested in relocating to New Jersey anywhere that have new affordable apartments or townhomes for a disabled 50 yr + baby boomer in a nice area. Please provide me with some additional information and available occupancy...soon as possible. Thank you.

Rebecca wetherington On Jan 11, 2014
I am living in Huntington Beach and I need to move and I don' t understand with housing I qualify for I,am 53 years old and permanent disable can you help me get a place

dfish On Dec 27, 2013
i am disabled - sever carpal tunel/nerve damage in hands - and can't type/can't use inter therefore helpless! nothing availble by mail/phone anymore; no help without hours and hours of research...on soc sec disab/no car/no money to travel and check out possible places but want out of NJ and horrible ap't seeking HUD or low ie ap't in VT/NH/Mass/ME/NY/CA/CO almost anywhere except "the south" and midwest... the any suggestions appreciated!

Jaunice On Dec 20, 2013
I am a 62 year old disabled veteran and receive 600 a month from VA. I will start to receive social security in the amount of 700 starting in January. My son lives in GA and I need to move to that area so I will be near him. Because my ie is low I am having trouble finding affordable housing. Are there any programs that help disabled veterans find or help with housing? I am at wits end because I have to move before February of 2014 and have had no luck in finding a place to live. Any information would be greatly appreciated.

L Henderson On Nov 7, 2013
My 96-old mother in law is at the top of the list for a Northern CA HUD senior housing in Menlo Park. We've been told 2xs that she can have a unit with a balcony, and now has been offered one without. (About 80% do.) In a month, one with a balcony will be available. Does she legally have to take the unit w/out one? Their are 4 others on a long list who might be willing. Thank you.

Lori Walton On Oct 22, 2013
I need viable information on housing resources for disabled seniors. I am 55 years old & have been disabled since 2008 receiving $705.00 monthly from Social Security Disability Insurance. The information I have received so far is like a wish list that will never be realized. Due to recent events, stolen vehicle & household items including my clothes and personal effects will be homeless very soon. I am staying with one of my sons but I have to move out by the end of October. I have my dogs which are registered with the ADA that I need for emotional health reasons. The waiting list for a Section 8 voucher is up to 4 years. I am a breast cancer survivor to this point & I suffer from emotional and physical disabilities. Where can I find emergency permanent housing that I can afford?

mary Doyle On Oct 7, 2013
would office on aging in freehold be a good place to start re.retirement housing and questions about eligibility for HUD and finding a faith basedmunity in freehold..marlbora.matawan area ..I don't want to give all info over the phone..thank you

Ylonka On Sep 25, 2013
I qualify for public housing in Florida thru HUD but I don't like the place now if I don't take it I will be taken out of the waiting list is like they obliged you to take or leave it is that right?

Connie On Sep 10, 2013
I am 70 years old and live in my house in Spokane, and still pay mortgage. The house needs lots of repairs and I do not have money to do this. I would like to know if there is any possibility of getting help with repairs. Thank you

jacqueline williams On Aug 30, 2013
I am totally confused, I am not sure which program I qualify for. too much info.

laura On Aug 16, 2013
Currently I live in Huntington Beach, Ca. I only have Social Security disability for ie. Have to move soon. Want to stay in the Orange County area. I am having a hard time finding a place. Any help or Ideas would be very much appreciated.

Kevin Cain On Aug 6, 2013
Our church has approximately 7 acres of land which is paid for and we would like to utilize it for senior living quarters. Where should we start and is there anything HUD can direct us to in order to make this happen?

Colene Schlaepfer On Jul 28, 2013
Our church has a parcel of land next to it for sale. We would like senior housing to be built there.Some of our members need it. We offer many enriching activities for seniors to enjoy. The land now has 2 old duplexes and is zoned for 6 units. Who could we talk to about building senior housing on the property we are selling?

Mrs. Kassem On Jul 7, 2013
I have a question. My brother is 75 has a section 8 voucher & apt. He has to stay in a long term care home until his legs get strong enough to walk. Can he keep his section 8 voucher so he will get a place to live when hees out???? Thank You

Janet Bibbs On Jun 3, 2013
I plan on retiring in 2014 and I live in a old house that needs repairs. I would like to live here after retirement but need help fixing it up. roofing sidings on one side of the house. It also need closet spaces and the back room restored. I need to know how to go about getting help from the goverment for repairs. thank you ms.Bibbs

Angela Graham On May 14, 2013
My elderly aunt & uncle approached me to live with me and my family as they are afraid to end up in an elderly home. My husband and I are not opposed to this but unable to financially support them. I am trying to get them prequalify for some type of financial assistance for long term care & was even contemplating in getting my home licensed for adult home but prohibits us due to blood relations. What options do I have in order to take them in but be compensated as financially we are not able to support both of them. Please advise.

Felicia Polk On Apr 16, 2013
Hello, As I read many of the post. They were not comments they were ppl asking for help. I too, really need suggestions and answers on a few questions. Do you have any suggestions on where to find or information on if a person needs to move from New Jersey to Florida and this caregiver is 55plus, taking care of a young child. My comment is it would be nice if you posted information about how to achieve housing as a grandcaregiver/grandparent.

diane holmes On Apr 14, 2013
i so desperately have to move out of my home in which i am purchasing. i have retired, so i have no income hardly, i want to sell my house in the condition it is in. which means that i can only get 2000 or 2500 dollars to move out and give the house over. i want to move into a small 2 bedroom house. or find a large one bedroom apartment. plesase give me as much help as you can. you see i live near drug dealers next door. partying, drugs, pitbulls and puppies are there, dog barking and howling all night long. i am so stressed out and going into a state of depression because of this. cops in camden nj know this. i have already called them and even talked to them please send me and application for housing ASAP. thank you

Susan On Apr 14, 2013
I live in a hud sponsored senior co op. The co op is directly in line with a transformer grid yard and did not realize it at first. Did they put us here on purpose to make sure we all die before our time? Now I need to figure out how to move. I have not felt good one day since living here. Shame on them.

Mary Beatty On Mar 26, 2013
I am 71 years old living in a senior center in Hillsborough NC i am moving to Phoenix Arizona in July my son is a 42 year old disable man living in Raleigh NC we are moving to Arizona because of his health he can no longer deal with the cold weather here and the humidity We are in need of housing we would like to live together because i help take care of him. He has a 14 year old daughter he is responsible for Is there any help for us?

donna mcquiston On Feb 18, 2013
I would like to know if i can apply for senior housing programs, through hud, out of state. My family will be moving from Texas to Utah. I am a senior, with disabilities and a veteran. I am low-income, and would need help getting into an apartment in Utah. Can I apply before actually moving there? Please advise, donna

Judith On Feb 3, 2013
I am asking this question for an elderly friend who has no computer access: She has been separated from her husband for over five years, although no legal separation documentation took place, both wife and husband live in separate domiciles, having altogether different addresses and zip codes. She would like to know if she could apply for some form of government subsidized 65+ senior housing based solely on her own income or does the husband's income enter into the picture since the separation was not legally documented. She is 71 years of age, works part-time, and receives Social Security. Her husband is no longer employed and he lives on his Social Security.

donald jone On Jan 29, 2013
I live in the state of NJ, in a senior community setting. I would like to transfer my HUD voucher to AZ. However I am in need of a location that will further assist me with moving to Sun City Az. I'm disable and over the age of 55. Would need wheel chair assailable apartment.

Susan McCord On Dec 18, 2012
I very much appreciate the information I've found on this site. I will be unable to afford my current rent by summer 2013. I'm a retired professional, lifelong homeowner (now foreclosed), and living in an apartment on the opposite side of the city from my home and medical care. I'm age 70, retired with heart disease, and rapidly approaching the end of my retirement monies. This site has been very helpful to me in obtaining sites with information on how I might proceed to find some kind of assisted housing. Thank you.



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