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Sub prime lenders come in two groups: reasonable and unreasonable. Reasonable sub prime lenders offer mortgage financing to high risk borrowers with slightly increased rates and fees. Unreasonable sub prime lenders charge several extra points and excessively high fees. Only through comparative shopping can you know if a particular lender is offering reasonable or unreasonable rates.

Compare Rates

Comparing rates is easy through online lender websites. By entering basic information, you can quickly receive quotes from several mortgage lenders. These quotes will give you a rough idea of who offers the most competitive packages. Be sure to add in fees and extra points when you are considering the cost of the loan.

Real Quotes

Real mortgage quotes require more information than just the loan amount and your income level. You will also need to provide information about your homes location, your down payment, and other personal information.

After you have compared general quotes, you can request specific quotes from a handful of mortgage lenders. Online mortgage applications allow you to do this from the convenience of your home where you can easily find your financial and personal records.

Applying Online

Once you have received a quote from a mortgage lender, you can quickly finish the application process. Some lenders will require additional information online, but most lenders will simply mail out the final paperwork for your approval. After the forms are signed and notarized, you send it back to the lender for final processing.

Refinance Later

A subprime loan does not have to be permanent. Mortgage lenders look at the last three years of your credit history when considering your application. So after making regular payments on your mortgage and all your other bills, you can consider refinancing for a lower interest rate. Other ways to improve your credit rating include paying off credit cards and increasing your cash reserves.

To view our list of recommended sub prime mortgage lenders online, visit this page: Recommended Sub Prime Mortgage Lenders Online.

Carrie Reeder is the owner of ABC Loan Guide, an informational website about various types of loans.

Cell phones are all the rage these days. Everywhere you go, you see someone talking on their phone, sending text messages or talking into a blue tooth headset sticking out of their ear. It's become commonplace to see people alone in cars actively having a conversation. Cell phones have gone from being a luxury for the rich, to a necessity for all. Even kids in middle school are using cell phones to call parents when its time to be picked up from the mall.

With all the cell phone usage out there, comes the opportunity to accessorize. Many cell phone providers offer special ringtones, wallpaper and games for an additional fee. But there are other sites that offer more extended versions of all these things and more. Thumbplay is a popular provider of extended cell phone services. Thumbplay offers musical ringtones in almost 50 genres such as hip hop, hard rock, dance, indie, smooth R&B, all the classics and even college fight songs. Currently there are over 10,000 downloadable ringtones available through Thumbplay. There are also seven different genres of games available from Thumbplay including arcade puzzle, board games, racing, sports and strategy.

If you're interested in wallpaper to give your phone a unique look of self expression, there are 18 genres including sports, cartoons, or the best selling link for the wallpapers that are most popular.

Thumbplay also offers celebrity gossip, daily horoscopes and jokes sent directly to your phone through their texting service. A couple of other options available through the text service include Daily Insults, Bible Quotes, Booze Tips, Daily Inspiration and Hip Hop Gossip. If you have a specific song, game or wallpaper that you're looking for, you can search through the Thumbplay site for it, or just look around for what grabs your attention.

Many wonder if this service will work for their phone or service provider. Thumbplay works with most major providers and phone manufacturers including: Nokia, Samsung, Sony, Ericcson, Motorola, LG, Panasonic, Boost, Sprint PCS, AT&T, Nextel, T-Mobile and Cingular. Thumbplay also touts amazing 24/7 customer service to its subscribers. This is extremely helpful to those that might be out late and having trouble with their wallpaper or ringtone.

Another appealing feature to Thumbplay is the cost. The pricing structure is based on a credit system, so if you pay $9.99 per month, you receive 10 downloads. New members receive 10 bonus downloads for free. The pricing information is a bit difficult to find beyond that, but each download appears to be worth one credit. You can also sign up for an account with Thumbplay for free and share pictures with friends. The only real pricing comes with downloading of ringtones, games or wallpaper.

Jim Mackey is a renowned dietician. He has been advising people on how to maintain a proper diet and how to lose those extra calories. If you want to know more about Ringtones, download ringtones, games, mobile dating, Thumbplay you can visit http://www.mobayou.com