DIY Finance: Financing Our Own Foodsheds


| 6/11/2013 8:54:00 AM


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Carol Peppe HewittFor most of us the prospect of getting a loan conjures up an awkward trip to a bank, or credit union, or other traditional lending source.

Next comes an intimidating meeting with someone across a desk, in a fishbowl of a cubicle, being given an inquisition about our personal and business finances.

We squirm and smile, pushing our shoebox of paperwork across the desk, in the hopes of winning the favor of the almighty loan officer and his or her underwriters.

And we try to be hopeful. Maybe if we can look and sound good enough, worthy enough, friendly enough? – they might say yes.

We fill out pages of numbers and dig through documentation while they run a credit history, check our police record, and glare at the dirt under our fingernails.

Interest rates, loan terms, and amortization schedules – we just hope we have the right answers.




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