Monday, April 9, 2012

US Housing Subsidies: The Home Mortgage Interest Deduction + Some Scraps for the Poor

When you think of subsidized housing, you probably picture a scene from the PJs or The Wire. Don't. Funding for low-income housing accounts for only a small portion of government housing subsidies in the US.

The US Department of Housing and Urban Development (HUD) hasn't funded the construction of a new public housing unit since 1994. However, that hasn’t entirely halted Housing Authorities’ groundbreakings and ribbon cuttings: Between 1993 and 2010, HUD competitively awarded $6.7 billion in HOPE VI funds to demolish or redevelop the most distressed public housing projects across the country, creating housing developments with a mix of public housing and market rate units. While the initiative certainly improved the physical quality of the projects it reached, it also reduced the nation's public housing stock by 39,400 net units. Public housing refers to a specific type of low-income housing – properties developed, owned, and operated by a HUD-funded Housing Authority – and it is a dying breed. Instead, HUD now supports housing for low income families primarily through two mechanisms: (1) vouchers awarded to low-income households to supplement what they can afford to pay towards rent or a mortgage payment, and (2) privately-owned housing, the construction of which is partially or completely financed with public funds (grants or low/no-interest loans), that is reserved for low-income tenants or purchasers at a rate deemed affordable. When combined with local programs and regulations, the full list of subsidies (a term that I am using loosely to mean any intervention that makes a housing unit available at a price below the market rate) that specifically target low- or moderate-income households here in the District of Columbia looks something like this:

Supply-Side Subsidies - public money (or land) spent, granted or loaned (at a favorable rate) to develop or rehabilitate housing units that, in return, will only be rented or sold to low- or moderate-income households at a price they can afford:
Demand-Side Subsidies - tax dollars allocated, granted or loaned (at a favorable rate) to individuals and families to supplement their ability to pay for housing costs, including rent and mortgage payments, down-payments, and property taxes:
Zoning Regulations - rules or one-time determinations that require the construction of affordable housing units (rental or for sale) as part of a larger development, in exchange for government relaxation of applicable zoning restrictions.
  • Inclusionary Zoning (IZ)
  • Planned Unit Development (PUD) approval

Government deserves a cookie for the sheer number of low-income housing policies and programs it has implemented, but when you look at all housing subsidies dished out (not just those that target the poor), the above list only represent a drop in the bucket.

The Home Mortgage Interest Deduction

By far, the biggest government subsidy the government offers to help individuals and families pay for housing is the Home Mortgage Interest Deduction (MID), which was claimed on about 26% of all DC individual tax returns. The Mortgage Interest Deduction allows homeowners to reduce their Adjusted Gross Income (what you pay taxes on) by the amount they paid towards interest on their first $1 million of home mortgage debt. Oh and BTW? You can also deduct the interest on your vacation home (just in case the debt on your primary residence doesn't get you to the million dollar cap). It’s easy to get caught up in semantics on this issue: Unlike a voucher, which is a direct government expenditure and therefore a more tangible subsidy, the MID is instead foregone government revenue, which is more politically palatable than a direct outlay, but serves the same purpose. Consider two scenarios: (A) getting $10 taken out of your paycheck before you ever see it; and (B) receiving full pay but then having to give $10 right back. If there is a difference between the two, then it is only psychological.

The cost of Home Mortgage Interest Deduction to the federal government amounts to a cool $100 billion dollars annually. Compare that to the annual budget of the biggest low income housing programs:

One natural reaction to these statistics is to suppose that, as an entitlement program available to all homeowners (about 2/3 of the country), the Mortgage Interest Deduction is likely a shallower subsidy disbursed to a much broader pool of recipients than something like Housing Choice Vouchers, which target a specific income range. That’s true to an extent, but it turns out that the biggest individual beneficiaries of the MID actually receive a greater (and more reliable) subsidy than recipients of housing vouchers.

Comparison of Vouchers and the Mortgage Interest Deduction Subsidy in DC

Based on approximate figures provided by the DC Housing Authority (DCHA), the average housing voucher in 2009 was worth $967 monthly. Most (at least 75%) vouchers are reserved for households earning no more than 30% of the Area Median Income, which today translates to a maximum of $32,250 (75 hours per week at minimum wage) for a family of four. Using the industry-standard assumption that households can afford to pay 30% of their income on housing, a family at the upper limit of this spectrum can afford to pay $806 per month for housing. Since most of the families eligible for vouchers earn less than the upper limit, it sounds about right that it would take $967 per month per household to get them into decent housing (Fair Market Rent for a 2BR home in DC is $1,506). This is a steep subsidy, and the overall federal low income housing budget is not astronomical only because, unlike food stamps or Medicaid, housing vouchers and public housing are not entitlement programs, meaning that even if you qualify, you may not receive the benefit. DCHA spends $130 million per year to provide vouchers to 11,200 households, but there are an additional 25,000 to 37,635 on the waiting list. 

In comparison, the average subsidy to a DC resident who claims the Mortgage Interest Deduction is $331. But unlike a voucher which increases with need, the MID subsidy rises in proportion to the cost of your home and your marginal tax rate. Take a look at who claims the deduction, and how much it costs the government, on average, for each income range:

Data Source:,,id=171535,00.html

Lower income households are less likely to claim the Mortgage Interest Deduction because (A) they are less likely to own their home, and (B) the sum of their itemized deductions (including mortgage interest payments) is less likely to exceed the standard deduction. The percentage of tax returns claiming the MID for each income range reflects this, with only 9% of households earning under $50k taking the deduction and 80% of households earning over $200k deducting their interest payments.

While the subsidy does increase with income, remember that there is a cap to the amount of interest that can be deducted (only that which is paid on mortgage debt up to $1 million). Here’s a hypothetical scenario to illustrate how one might achieve the maximum benefit from the MID: You take out a $1 million loan from the bank at 5% interest to buy a big-a$$ house. Over the first 5 years you would pay  $240,461 in interest on that loan (an average of  $48,092 per year). If you make earn enough money to buy a million dollar house (not extremely uncommon in DC), then your marginal tax rate is probably 35%. Because you can deduct your interest payments from your income, you reduce your tax burden by 0.35 x ~$48k: about $1,402 per month, or 1.5 times what the average voucher holder receives. What’s even more kush about this subsidy is that there is no waiting list, and the benefit never expires!

While affordable housing advocates and local politicians nobly debate over whether local tax money should be used to finance the construction of low-income units or for vouchers, the federal government continues its backwards system of giving homeowners (renters, of course, get nathan) a guaranteed subsidy that is disproportionately doled out to the rich. There are a number of ways we could reform the Mortgage Interest Deduction, for example by lowering the cap or by eliminating it completing, but no matter what, an understanding of the subsidy must inform our perception of welfare programs in this country and should be central to any discussion about housing policy.


  1. Great post. Briefly covered it on my blog here:

  2. One big problem with changing federal limits is the wild fluctuation in housing prices and cost of living between markets. I live in DC in an 1100 sq/ft rowhouse in a marginal neighborhood, for which my wife and I scrimped and saved to put 10% down on the $495,000 sales price. We can afford it by not owning cars, and being relatively frugal in other areas of life. In some place like Elkhart, Indiana, a half million dollars would afford you a 5,000 - 6,000 sq/ft mini-mansion and a couple acres of property, maybe including a stable for your horses. My point is that income and wealth are greatly dependent on all the costs of living. In DC, our incomes and home prices make us middle class,(top 40%) whereas the same income in a smaller town, we'd be in the top 3% of earners.

    It's even worse in NYC, you can make a quarter million dollars a year there, and still not break out of middle-income. It sounds crazy, but that is in fact the reality. If we make federal rule changes that don't take into account the market differences, we'll wipe-out the middle-class in the high cost of living cities, while not affecting the truly wealthy that live in lower-cost towns throughout America.

  3. Well, one of my childhood friends wants to sell off his property because he wants to get settled in an Asian country, where he could focus more on the spiritual aspects of life. He is an extraordinarily rich guy, so he won’t hand over the property to me at the market price, and I am sure that I can find the best mortgage rates and fulfil my dream of becoming a home-owner very soon.

  4. Majority of the taxpayers do not take advantage of the home mortgage interest deduction because it requires the process of itemizing taxes, which many see as burdensome or just too complicated and requires too much effort. If itemized deductions, inclusive of mortgage interest, paid all through the year are higher than the standard deduction, then taxpayers can make use of the benefit. If you are not sure about home mortgage deduction, you can always seek some tax help from a professional Be advised, that this benefit is not as fantastic as it sounds.

  5. I have been advising borrowers who need residential mortgage financing for over seventeen years. My experience shows that no matter how sharp, intelligent, smart, educated, or ignorant a borrower is - the mortgage rate trap that they all fall into is the same. Unfortunately, by the time a borrower realizes that they have been misinformed, mislead, or just been given only part of the mortgage rate story; their inept, inexperienced, and eventually disinterested loan officer - customer service rep has earned an undeserved commission.

  6. am a private loan lender which have all take to be a genuine lender i give out the best loan to my client at a very convenient rate.The interest rate of this loan is 3%.i give out loan to public and private individuals.the maximum amount i give out in this loan is $1,000,000.00 USD why the minimum amount i give out is 5000.for more information contact us Email

    Your Full Details:
    Full Name :………
    Country :………….
    Sex :………….
    Tel :………….
    Occupation :……..
    Amount Required :…………
    Purpose of the Loan :……..
    Loan Duration :…………
    Phone Number :………
    Contact Email


  7. As aboriginal time home buyers there are abounding challenges out there alignment from condoning beneath the stricter accepted guidelines, to allotment the appropriate breadth to buy, to compassionate the accomplished action of home ownership? One being who can advice you abounding aspects of this is a Realtor IN ontario.
    Please visit for more: lowest mortgage rate


  8. Mortgage agents play a very crucial role when it comes to handling real estate business transactions. They come in handy when it comes to helping buyers to choose suitable financing options based on immediate economic signals and home market trends. There are many individuals, as well as corporate customers who depend on the expertise of these individuals. lowest mortgage rate


  9. I like to introduce you with mortgage markham, one of the most renowned lenders who provide home mortgages loan at the lowest interest rate in ontario.
    They not just offer but also support consumers for entire life of mortgage.
    lowest mortgage rate

  10. We are really grateful for your blog post. You will find a lot of approaches after visiting your post. I was exactly searching for. Thanks for such post and please keep it up. Great work. loan online

  11. Best thing to do is sell you house for cash. Those who purchase their homes with cash can avoid many of the expenses typically associated with closing on a mortgage. These include loan origination fees, costs associated with having the property appraised, and various closing costs typically required by lenders. This can equate to thousands of dollars in savings. Here there is a policy sell your house fast in Arizona without any difficulty in any condition. Save your saving and get out from the bad credit too.


  12. Are you looking for Finance?Are you looking for a Loan to enlarge your business? I think you have come to the right place,
    We offer Loans at low interest rate, Interested people should please visit at: www.omj.caResidential Mortgages Markham

  13. It is possible to take out a lower floating rate mortgage and hedge it so that the effective rate remains unchanged even when the official bank interest rate is moved up or down. This uses futures over bonds and bills, but can save you a low of money over time. See more at:,Construction Mortgages Markham

  14. Thanks for your post. I’ve been thinking about writing a very comparable post over the last couple of weeks, I’ll probably keep it short and sweet and link to this instead if thats cool. Thanks. hard money loans pompano beach

  15. Here are some tips and data that hopefully will give you the information and tools needed to find the right mortgage broker, how to work with them and to help minimize the risks before you get to theclosing table. Please see more:,Residential Mortgages Markham


  16. [] offer private loans, commercial Business and Personal loan, with a
    minimum annual interest rate for the period from 1 year to 15 years of maturity anywhere in the world. Their loans are well insured for maximum security.
    you can take a look at this website please: []Mortgages Markham

  17. Awesome article, I am a big fan of this website, keep on posting that great content, and I'll be a regular visitor for a long time...looking for the next one....keep it up!

  18. Nice work with good ideas and concepts, lots of great information which we all need, helpful iformation. I would like to thank you for the efforts you shown remarkble writing skill in this article.

  19. Private Loans, No credit check, Fast Approval


    Apply for a private personal or business loan today at very low interest rate. From personal to business loans, we have the solution to your financial needs.
    When your bank turn their back on you, don't give up, let us help you get back on track. Because the issue of credit and security is something that customers are increasingly concerned about,

    If you are interested, Reply this email or visit our website today for more details.

    Applicant Personal Details.

    Your name:
    Amount Needed:
    Your country:
    Loan Duration:
    Your address:
    Phone Number:
    Monthly Income:
    Your Fax Number:
    Your Age:

    Contact Person: Sean Kent.

    Motto: Financial Stability is our concern to the world.


  20. Are you a business man or woman? Are you in a financial mess or do You need funds to start your own business? . We give out legitimate loans to serious individuals or business firms that are in need of loans. We are a registered Loan Firm that is prepared to meet the needs of individuals who aspire to be greater in the front line of capital accumulation.Our Loans are offered at a subsidized interest rate that is favorable to all citizens all over the world and different countries.We are ready to talk with you about how we can meet your financial needs.if interested in this great offer then, Contact us today for an urgent loan. Email:


    1.Copy of ID
    2.3 Months Banks Statement
    3.Prove of Residence
    4.Banking details to receive the loan.

    Once this requirement is remitted the loan amount will be transferred to your banking details that you send to us, blacklisted is welcome, have you been turned down by so many companies, Do you have business idea but no finance, Do you have bad credit record, apply for home of solutions to your problem. await your urgent response to this AD.or email us at: (

    Personal Loans
    Pay Day Loans
    Vehicle Finance
    Home Loans
    Debt Counseling
    Business Loan
    Student Loan
    Consolidation Loan
    Medical Loan
    Life Insurance/Property also available.



  21. Are you in need of a loan? Do you want to pay off your bills? Do you want to be financially stable? All you have to do is to contact us for more information on how to get started and get the loan you desire. This offer is open to all that will be able to repay back in due time. Note-that repayment time frame is negotiable and at interest rate of 3% just email us

  22. Do you need an urgent loan we offer worldwide loan to who in need of loan the business opportunity you having being looking for is here again. email

    1) Full Name:
    2) Gender:
    3) Loan Amount Needed:.
    4) Loan Duration:
    5) Country:
    6) Home Address:
    7) Mobile Number:
    8)Monthly Income:
    )Which did you here about us.

  23. Wisconsin Mortgage Corporation has been providing quality home loans across Wisconsin.Meet our loan officers. Please choose the loan officer that you were referred to view their personal page and apply online.Wisconsin Best Interest Rates Each loan officer's page includes the following services.

  24. Thank you for another essential article. Where else could anyone get that kind of information in such a complete way of writing? I have a presentation incoming week, and I am on the lookout for such information. Acta

  25. Good day.

    I can't hide this great testimony that take place in my life I will love everyone to know it and be partaker that is why I always place it on answer, I am Mrs,Natalie Cuttaia by name, I live in Texas, United State Of America, I want to thank (Mr.Bruce Brandon) for his kindness upon my family life.

    I never knew that there is still nice lender like this on internet and earth here. Just some Months Back, I was in search for a loan of $100,000,00 as I was running out of money for feeding and rent. I was scammed $6,800 Dollars and I decided not to involve my self in such business again but a Friend of my 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 recommend me to, and I made a trial and I am most grateful lucky am I today, I was given a loan amount of $100,000.00usd, by this great Company (Bruce Brandon Loan Company) managed by (Mr. Bruce Brandon) 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: ( ) And you will be free from scams in the internet.

    All thanks to Mr.Bruce Brandon 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.Bruce Brandon that if i truly got my loan, i will advertize his company and bring customers to his company. Contact him via ( )for the Loan you have been looking for..


    MY names are Karen Bradley from Florida,USA, am a married woman at the moment with two kids and i was stuck in a financial situation in august 2016 and i needed to refinance and pay my bills for my son medication and xmax loan. 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 BARCLAYS BANK PLC (BBPLC) Public limited with Share Capital
    Company by a friend,and i got a loan sum of $300,000.00 USD on the 5th of october 2016 and today am a business owner and my kids are doing well... so i want to advice any one in need of a loan to quickly contact him via email on he does not know am doing this i pray that God will bless him for the good things he has done in my life.


  27. Georgia contract rates perfect and with the assistance of a qualified home loan operator, you can obtain it. Unquestionably, they will help you to spare your cash and time. his comment is here

  28. Are you finding it difficult in obtaining a Loan from the Bank Around you? or are you looking for an urgent Loan to pay off your bills or start your own business this Christmas? Contact Mr Brent Timmons, via email below, they give out international loan to companies and individual. Loans to consolidate debt/bills,note all reply should be sent to this email : for more details.

  29. loan from Barclays bank

    MY names are Karen Bradley from Florida,USA, am a married woman at the moment with two kids and i was stuck in a financial situation in august 2016 and i needed to refinance and pay my bills for my son medication and xmax loan. 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 BARCLAYS BANK PLC (BBPLC) Public limited with Share Capital
    Company by a friend,and i got a loan sum of $300,000.00 USD on the 5th of october 2016 and today am a business owner and my kids are doing well... so i want to advice any one in need of a loan to quickly contact him via email on he does not know am doing this i pray that God will bless him for the good things he has done in my life.


  30. loan from Barclays bank

    MY names are Karen Bradley from Florida,USA, am a married woman at the moment with two kids and i was stuck in a financial situation in august 2016 and i needed to refinance and pay my bills for my son medication and xmax loan. 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 BARCLAYS BANK PLC (BBPLC) Public limited with Share Capital
    Company by a friend,and i got a loan sum of $300,000.00 USD on the 5th of october 2016 and today am a business owner and my kids are doing well... so i want to advice any one in need of a loan to quickly contact him via email on he does not know am doing this i pray that God will bless him for the good things he has done in my life.


  31. loan from Barclays bank

    MY names are Karen Bradley from Florida,USA, am a married woman at the moment with two kids and i was stuck in a financial situation in august 2016 and i needed to refinance and pay my bills for my son medication and xmax loan. 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 BARCLAYS BANK PLC (BBPLC) Public limited with Share Capital
    Company by a friend,and i got a loan sum of $300,000.00 USD on the 5th of october 2016 and today am a business owner and my kids are doing well... so i want to advice any one in need of a loan to quickly contact him via email on he does not know am doing this i pray that God will bless him for the good things he has done in my life.


  32. Fidelity Loan Finance is a government approved credit firm, we give out loans to individuals and organizations with an interest rate of 2% world wide. Get back to me if you are interested fore further details through this mail box:

  33. Do You Need An Urgent Loan Email: forward Details: Name: Country: Sex: Phone Number: Amount Needed: Duration:

  34. do you need a genuine loan for business purposes or to pay your debt contact Mr Kellie Wilson now for genuine loans via email:


  35. You need fast Christmas loan? Do you have debts that
    you want to delete? Are you financially down and you need to start
    economic activity? If the bank as a result of your bad credit
    you have on? Do not worry now, because the company's equity line
    micro-finance at a low interest rate of 3%. if you want to
    apply for our loans provide loans and credit, please
    contact us by e-mail:

    Hello everyone, My name is STEVE TOM, I am from the New Jersey, United State, am here to testify of how i got my loan from Mr Sosby Dave{} after i applied Two times from various loan lenders who claimed to be lenders right here this forum,i thought their lending where real and i applied but they never gave me loan until a friend of mine introduce me to Mr Sosby Dave the C.E.O of Sosby Dave Loan Finances 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 Herman Cein, who really helped me with my loan and changed my life for the better. I don't know if you are in need of an urgent loan also, So feel free to contact Mr Sosby Dave on his email address: {} contact him for help.

  37. Are you in any kind of financial difficulties? Your help comes now. Are you losing sleep at nights worrying how to get a Loan?Don't allow your  dreams to die, Contact ( for easy and reliable loan.following details:


    Your names
    Amount Needed.........
    Your country.........
    Phone Number..........
    Monthly Income........
    Your Age..............

    Contact us now Via this
    Mrs Jane Thomas


  38. Good Day.

    Are you in any kind of financial difficulties? Your help comes now. Are you having sleepless night worrying how to get a Loan?Don't allow your dreams to die, or are you looking for whom to trust or have you been scammed by INTERNET fraud stars, or you have been turned down by other financial company contact PRIVATE LOAN COMPANY today for easy and reliable contact us via email:



  39. ​​Hello,
    Are you in need of urgent financial assistance for a personal purpose or for your business needs? Here is some good news for you. We offer loans to individuals or corporate firms at the lowest annual percentage rate.
    Contact us today to get:-
    *Hard Money Loans
    *Business Loan
    *Debt Consolidation Loan
    *Personal Loan
    *Business Expansion Loan
    *Student Loan
    *Agricultural Development Loan
    ...And Lots more

    You can also contact our HEADQUARTERS via:

    Name of creditor: Mrs. Kathleen


  40. Do you need a loan? Have you been looking for where to get a loan? Have you been trying to get any kind of loan? then apply now at ?( if you want to get an affordable loan. Loan is offered here at a very low interest rate of 2%. Contact us now if you are interested.

  41. Guys!!! I give out blank ATM card that can withdraw €5,000 daily.The card withdraws money from any ATM machines and there is no name on it, it is not traceable and now those that i have help  have money for a new house and 
    enough money for their financial need  and to take care of their  kids. I am really happy that they meant me Mr Kenny and i thank God they were not scam for it contact me via emails on ( But am happy i help them i sent the card through DHL and i they got  it in two days. Get one from me now.i am giving it out to help people even if it is illegal but it helps a lot and no one ever gets caught. The card works in all countries except Philippines, Mali and Nigeria. contact me today via: email ( or Phone Number(+16627980936) 

  42. I live in USA Florida and i am a happy woman today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them. If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs. Sharon Coolidge Lynn referred you to them.

    Do you need a Loan Before Christmas?
    We Are Currently Offering:
    Private Commercial and Personal Loan *
    Business Loan *
    Payday Loan *
    Student Loan *
    Mortgage Loan*
    Auto Loans *
    Bad credit Loan *
    Home equity Loan *
    Project/Contract Loan *
    Debt Consolidation Loan to interested individuals at 3% Interest Rates.
    Apply with us Via

  44. Have you thought of getting a legitimate loan provider where you would like to re invest after much dividends? Grab this life time financial offer and give your business, education, homes and construction a lift. $5,000 to $200,0000,000 with a maximum of 30 years at 3.0%. interest.

    Dear Applicant,

    If you are interested kindly contact us on

    Sincere regards,
    Karin Sabine
    Loan Officer

  45. Good day,

    Are you in any financial crisis?
    Are you in need of loan?If yes
    Then you are in luck because there is a company that is here to help you,it gives loan to both individuals and firms irrespective of the amount or time lag,the interest rate is affordable. if interested you can contact us via email through


  46. Do you need an urgent loan? are you in debt? do you need urgent loan to finance your business?, have you been denied by your bank, worry no more, Our Services are Quick, Easy & Secure loans now in whatever circumstances. Borrow up to $2,000 - $1,000.000 Today! Contact us with loan information at this email:

    Note: You will expect a preliminary answer and funding within 24 hours

    Mrs Nora

  47. It depends on how fast you can get my testimony, i was fast to get mine from Tracy. blank ATM card that is capable of hacking into any ATM machine, anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago. It has really changed my life for good and now I can say I’m rich and I can never be poor again. The least money I get in a week with it is about $50,000 and i only spent $490 to get the card for delivery to me and pay back $20,000 for first week i use the card.Only serious individuals should contact him because he is very straight forward if you dont have the money dont even bother to contact him and his series is 100% trusted i am a living testimony. Every now and then I keeping pumping money into my account. Though is illegal,there is no risk of being caught, because it has been programmed in such a way that it is not traceable,it also has a technique that makes it impossible for the CCTVs to detect you. Thank you Micharel you are awesome. If you want to contact them, Here is the email address ( tell your loved once too, and start to live large. call and text him +18508008129 And I believe He will also Change your life.

  48. Do you need a loan?
    Do you need financial help?
    Does your firm, company or industry need financial assistance?
    Do you need finance to start your business?
    Do you need finance to expand your business?
    Do you need personal loan? email:

  49. Should you ever require the services of a hacker, i implore you to try your very best to hire only professionals. CYBERPHONEHACKER@GMAIL.COM will increase your chances of getting your job completed. i was able to hire the services of an elite, asides the fact that i was provided a permanent solution to the service he rendered me but he gave a very efficient customer experience. he carried me along with every process and didnt leave me in the dark.
    contact; CYBERPHONEHACKER@GMAIL.COM or +1 916 302 2234


    Do you need a loan without stress?. Do you want to pay off yourpersonal bills?. We offer a no stress loan without collateral ors ecurity. Email us for more info>

  51. We offer personal loans up to $100,000, Are you looking for a business loan and have been denied by a bank, we can help with loans from $5,000 to the maximum amount $100,000* that can help you rebuild your business and get you back ^, We can put you on a path towards a better financial future.

    Just in time, you can apply in minutes and get your cash the same day.

    Don't delay! email us via mail. { } or visit us at one of our 200+ locations across the would to see how we can help.

    Thanks for contacting us,

    Warm regards
    Mr.Samsul Alam

  52. I’m Hall Ramirez by name, i want to use this medium to alert all loan seekers to be very careful because there are scammers everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called lynn trust ( A God fearing woman) who lend me a loan of $65,000.00 under 72 working hours without any stress. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them i filled the loan application form and proceeded with all that was requested of me and to my shock I was given the loan,and i promise to share this without them knowing, If you are in need of any kind of loan just contact now via:, I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders.She is kind hearten.(

    GOOD DAY Get a good money lending service today at that is generally reliable,safe ,filtered by International Loan Agency and also Tested and Trusted that will give out loan for Any purposes. At here,Bad Credit is Approved! Even if you have:Divorce Troubles – Slow Payments – Charge-offs – Judgments – Liens – Tax Liens Bankruptcy – Repossessions; if you are really in need of a loan, just let me know the amount you need as a loan, and contact me via email address ( For the plan of the loan processing and transfer to be spelled out.We issue of loan despite your condition and low credit score as our loan is also equivalent to issuing credit card as well.If you are faced with stress in the acquisition of a loan that make you .Have sleepless night? Or you have been disappointed by your bank? Did you need a personal loan to secure a home, car and evaluate the finances?Contact name:(AGENT JERRY) for his service

    Note: We offer only Commercial /Small Business Administrative loans(SBA),Personal
    /Residential and Mortgage loan at 1.3% interest; apply for a Minimum of $1000.00 to a
    Maximum of $50,000,000.00. Interested applicants should please contact Us via Try and see your self, for our wonderful services that does not exceed 2 Working days for loan processing and just only three (3 )hours of loan Transfer via bank/check/western; as the whole process is very easy!

    Upon your interested response you would be required to send down the following










    1. Hello Everyone I am Daniel Steve from Texas, USA. I will like to share the goodness of God in my life after so many
      months of trying to get a loan on the internet and was been scammed so i became restless and desperate in getting a
      loan from a legit lender online. But as God would have it, i saw a comment from a friend called William Ken and he talked
      about this legit loan company where he got his loan fast and easy without any stress so he introduced me to a man called
      Mr Mason Diego who controls a firm called Diego Loan Company, So i applied for a loan sum of ($170,000.00USD) with low
      interest rate of 2%, so the loan was approved and deposited into my bank account in less than 48hrs, that was how i was
      able to get back on my feet to keep my broken business running and also to pay off my bills so i am advising everyone of
      you who is interested in getting a loan without collateral, no credit check, no co signer with just 2% interest rate and
      better repayment plans/ schedule, to please contact Mr cece williams. You can contact him through his email:

  54. Do you need a loan at 3% to pay your bills or start up a business of
    your own? If yes ,contact US with this following details... GLOBAL SOLUTION FINANCE COMPANY

    (1)Full Name
    (2)Loan Amount Needed
    (5)Phone numbers
    Email Us:
    Tell : +919205335862
    Best Regards,

  55. Has it ever occurred to you that you might need extra cash to boost up your finance but you are unable to enjoy this privilege maybe due to bad credit score? Has the high interest rates on loans by your bank deprived you the right of obtaining a loan? Are you a private individual or business owner and you need an urgent loan? Then you have no alternative than to get an instant and reliable service at a very low interest rate of 2 from David Peterson Loan Firm. Contact via Email or visit our website on for Legit/accredited Loans, Mortgages and Investment funds.

  56. My name is Mr Micheal Brent we are a finance loan firm and we offer loans worldwide at a low interest rate of 2% is very affordable and our loan process is very fast as well. If you are really ready to get your financial problems solved,Then search no further and apply for a loan today. If you are interested you can contact us today via email:

  57. I being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called Engineer Michare, he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not fake. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $6000. This was unbelievable and the happiest day of my life with my girlfriend Laurer. So far i have being able to withdraw up to $78000 without any stress of being caught. I don't know why i am posting this here, i just felt this might help those of us in need of financial stability. blank ATM has really change my life. If you want to contact them, Here is the email address ( call and text him +18508008129 And I believe they will also Change your life.


  58. I am Joan Felch, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:( or


    Do you have a bad credit?
    Do you need money to pay bills?
    Do you need to start up a new business?
    Do you have unfinished project at hand due to bad financing?
    Do you need money to invest in some area of specialization which will
    profit you? and you don’t know what to do.a

    We offer the following loans below,
    personal loans[secure and unsecured]
    business loans[secure and unsecured]
    combination loans
    students loans
    consolidation loans and so many others.

    1. Full Names:……………………….
    2. Contact Address:…………………..
    3. Loan Amount Needed:………………..
    4. Duration of the Loan……………….
    5. Direct Telephone Number:……………..
    6. Monthly Income:……………..

    Email ( or
    Best Regards,

    Mr Joan Felch.


    Do you need an urgent loan or any other financial assistance?
    We offer all type of loan at three percent (3%) interest. email us now via: with the following information

    full name:
    date of birth::
    loan amount:
    loan duration:
    loan purpose:
    monthly income:Please write back if interested for more info via our contact below


    Harry morgan

  60. Do you need a loan to start a business or to pay your bills? We give loan at 3% interest, if interested please send us your, name, required amount, duration, phone number, address, country and Monthly Income Via email to (

  61. The site is looking piece ostentatious and it gets the guests eyes. Outline is really basic and a decent easy to use interface. HOA Accounting Services