Products & Services

SO MANY OPTIONS,

HOW DO YOU CHOOSE?

Goals or Dreams you want to accomplish, vacations they want to take, home improvements they want to make, that side business you have always wanted to start or the debt you have been carrying for years that seems to never disappear.

What to do and how to go about doing it is hard. Unfortunately, many of those goals and dreams cost money, and so people have to put those dreams on hold because they don’t have the money in the bank.



At Countrywide Funding Group, we are focused on helping our clients create and enjoy their life the way that they want to; life is too short after all, and your kids grow up so quickly. Accomplishing your goals and making memories is priceless, so we are excited to offer our personal loan program which has enabled thousands of customers to fulfill their dreams without having to wait years, or worse than that, having to miss out altogether.

Personal Loan Programs

GIVES YOU THE BEST OF EVERYTHING!

Everything we are about at Countrywide Funding Group is designed to make life as simple as possible for our clients. We have conducted endless research and studies with our customers, and have designed our entire loan application process to minimize the headache and hassle factor.

Every part of the process can now be completed online in the privacy of your own home. There is no need to visit any of our offices, worry about being rejected, or having to explain yourself to a loan officer or underwriter. You are a grown adult, and we feel that you should be treated as one. The loan application process is built to get you approved for what you need, deserve and of course qualify for.

Debt Consolidation

A TERM THAT IS USED TO WIDELY...

Debt Consolidation! A term that is widely used in our industry today. It can mean a wide range of different things when it comes to you having debt, personal loan or a combination of unsecured debts that you are looking to consolidate. Even at times this term can be used to represent a product or service that you think you are getting on the one hand, but come to find out on the other hand you are getting something completely different or unexpected to your needs. So let's break down what the term Debt Consolidation truly means shall we. 

The term "Debt Consolidation" means by definition - is the act of combining several credit cards, loans or liabilities into one by taking out a new loan to pay off those debts or to consolidate those types of financial liabilities into a CCCS Plan or even a Debt Resolution plan or program.  But how do you know which option is best for you might you ask? Let's go even further and break these down for you.

Debt Consolidation Loan - The term "Debt Consolidation Loan" thereby means that you are taking out a loan from a direct financial lender or brokering lender to pay off some, most or all of your existing credit cards, loans or liabilities on your credit report. This loan usually comes with an interest rate ranging from single digits all the way into the 20, 30 plus percent range and you can usually get a pay back term anywhere from 2 to 6 years to pay the loan back and off. 

Debt Consolidation Plan - The term "Debt Consolidation Plan" thereby means and is usually done through a financial advisor or through a financial advisory firm where he or she will put together a structured debt consolidation plan for you. This is usually done by having extra funds left over at the end of the month or paying all of your current monthly obligations and then applying the extra funds you have towards any outstanding credit cards, loans or obligations you have. This is a great way to pay off your debts within 5 plus years but you usually need a large amount of money left over at the end of the month to see the plan through successfully. 

Consumer Credit Card Counseling Service (CCCS) - The term "Consumer Credit Card Counseling Service" or (CCCS) for short is a type of  debt consolidation plan whereby you would consolidate all of your credit cards into a structured plan with one monthly payment and if you complete the plan from start to finish you can have all your credit cards paid off within 5-7 years time. The company will then reach out to all of your credit cards for you and start to negotiate down the interest rates on ALL of your credit cards.

When this happens it will allow more of your monthly payment to go towards the principal balance of the credit card so they eventually get paid off. Now, there are some things you should know about these types of plans. 1. you can only include credit cards, personal loans do not qualify. 2. If you are trying to lower your monthly payments you currently pay this will not happen in a CCCS plan. 3. ALL of your credit card accounts will be required to be closed when you do this kind of plan. 4. It will show under each account on your credit report that you are in a CCCS Plan and so applying for any kind of finances during this time could be a challenge.

Debt Resolution

WHAT IS IT REALLY AND HOW DOES IT WORK?

Debt Resolution! What is it and how does it really work? Some products and services earn a bad reputation due to companies not explaining or disclosing things to the consumer they have a right to know before making a decision on what direction is really and truly best for them.

This is why countrywide is quickly becoming the fastest growing company in the industry today. We not only qualify our clients on the product or services that are best for them but we take the extra time to educate them on those products and services and our reputation speaks for itself.

Our main goal is to provide you with a debt consolidation option, but in some cases when that cannot be done we can see if Debt Resolution or our Loan Rewrite Program is right for you. Here are the breakdowns of these 2 different services for you.

Debt Resolution Plan

A Debt Resolution Plan is where you hire a third party company to consolidate your debt into a more affordable payment that you can manage.

Most of the time there needs to be a true financial hardship of some kind to enter these types of programs such as job loss, illness, divorce, unexpected medical bills, loss of a loved one, cut in pay the list goes on. You will then turn over most or all of your credit cards, personal loans, medical bills, collections or any unsecured debts you currently owe on to this company.

The company will then in turn reach out to all of your creditors for you and start to resolve the debt with those creditors on your behalf using different methods. The most common is getting the amount owed cut or reduced down aggregate 15, 20, 300 even 50 percent.

You can be debt free with one of these plans in as little as 24-60 months. You will have to stop making your minimum payment while the company is working on your behalf to resolve your accounts which does cause a temporary impact to the credit report.

Many clients already have an impact on their credit credit report before going into a plan like this. So for them it is a matter of getting the debt resolved quickly so that your credit scores start to go back up.

Debt Resolution Loan Rewrite Plan

A Debt Resolution Loan Rewrite Plan is similar to a normal Debt Resolution Plan in that you will be able to consolidate most or all of your credit cards, loans and liabilities into a lower payment which can usually save you 30-50% on your monthly payments less.

We can also have you set up to be debt free in 24-60 months on average. But the best thing about this product is that if you meet certain guidelines by the company you will become eligible for a personal loan to pay off all of your accounts in the plan at that time.

Usually you can see this happen 6-12 months after making on-time payments. If eligible and you receive a loan to pay off all of your accounts at that time you will then see your credit score start to go back up much faster than if you entered into a regular Debt Resolution Plan.

This will help you become lendable again much faster and has the least negative impact on your finances and credit with the most positive results that clients are clients for in the shortest time frame. Only a select number of companies offer this product and service so be sure to ask about this if you feel it is right for you.