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HUD's Proposals For Reform
October 19, 2002 On July 29, 2002, HUD released a set of proposals to substantially change the ways in which home loans are originated in the US.  As usual, the proposals were open for comment, and many thousands of them were received.  Mine was among them, and is shown ... more...

Tutorial on Selecting Mortgage Features
Planning to shop for a mortgage on-line? You need to answer the following questions first, so you know exactly what you are shopping for.      1. What Type of Mortgage Should I Select? 2. Which Mortgage Options Should I Select? 3. How Long a Term Should I Take? 4. ... more...

first mortgage credit history loan bank insurance brokers report related definitions

Credit Report
Credit Report A report documenting the credit history and current status of a borrower's credit standing, detailing a borrowers credit history including payment history on revolving accounts (eg. credit cards) and installment ... more...

Credit Score
Credit Score A single numerical score, based on an individual's credit history, that measures that individual's credit worthiness. Credit scores are as good as the algorithm used to derive them. The most widely used credit score is called ... more...

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Credit Worthiness
Credit Worthiness is an important business and personal asset each person has to manage. I mean this is an asset which could make or break business relationships and interestingly in some cases personal relationships. This is a complex abstract thing that is evaluated in many ways by different ... more...

How to Choose Your Real Estate Lender
Because you need quick action when applying for a real estate purchase loan, find a lender you can access easily. A lenders quick response signifies good service to follow.Once you know your middle credit score, look for a lender appropriate to your specific needs. When ready to make offers to ... more...

Personal Loan Alternatives
Firstly you need to consider exactly how much you need to borrow and over what period of time. Described below are three alternatives to a personal loan with suggestions as to when they may become the preferred option.Credit CardsIf the sum to be borrowed is relatively small and you need to borrow ... more...

Frugal Living
The opportunities for spending money nowadays are unlimited. Too many people find themselves too strapped to pay their bills on time and complain when their bi-weekly salary is paid a couple of days late. Living on the edge is frustrating, stressful and completely unnecessary. No matter how ... more...

How Hedgehogs Hire
In my last column, I explored Jim Collins hedgehog principle, and how powerfully this can be used to attract great employees. After many dozens of CEO interviews, Im convinced that leaders with well-defined hedgehogs deploy the most successful hiring models.Recent job growth figures mean that ... more...

Free Credit Reports - How to Maintain Your Credit Profile
Maintaining your Credit ProfileEvery consumer should be maintaining their credit profiles to ensure the highest scores possible. To do so, you must first order your credit reports from the three major credit bureaus: Equifax, Trans Union, and Experian. The federal Fair Credit Reporting Act (FCRA) ... more...

Put Up A Website And Start Promoting In About An Hour
I can't figure out people who have products or information to sell who do not have a website. With some people, it's fear of technology; others just haven't realized that we've entered the electronic age. If you are not in the latter category, and you are reading this article, put up your website ... more...

Before You Start Investing
There maybe several reasons why you to want to invest your money. You may want to retire early, want to build your own business in the future, or to pay for your kids education. Should everyone start investing outside their retirement accounts right away? The answer to this question is that it ... more...

Buying a Motohome How to Avoid the Pitfalls to Optimise Your Value for Money
Buying a motorhome can have its on pitfalls. Overpricing, defective vehicles, disputed property and weak crafts are among the dangers of purchase.As the first step in your purchase, you will have to determine your needs as that will determine the kind of motorhome you should go for. Motorhomes ... more...

Life in Las Vegas
"I'll go and get some munchies for us, Bob. Don't give that beautiful black-haired lady my seat. Eh?""You wish!" Sean went to get some food while Bob ordered some white wine for them both."You're becoming a regular aren't you?" The sprightly barmaid commented as she brought him their drinks and ... more...

Home Business, What's So Great About It?
Home Business allows you more time to do what you want.Home Business gives you more freedom i.e. no more 9-5 job.Because a Home Business is well.... at Home, you don't have to travel far to get there.Just come down stairs in your pajamas and get to work right there and then. It's so convenient.What ... more...

Arbitrage Uncovering No Risk Home Business Profits on Demand!
Some may be familiar with the term arbitrage, but let me define it here:Arbitrage is the practice of taking advantage of a state of imbalance between two (or possibly more) markets. Combinations of matching deals are struck to exploit the imbalance, the profit being the difference between the ... more...

How to Build a Real Estate Investing Power Team
As you continue to read about real estate investing, you will no doubt come across the term 'power team'. What is this 'power team'? A power team is a group of people without whom successful real estate investing becomes very difficult, if not impossible. Included in a power team are at least one ... more...

How to Find a Credit Union
If you've been feeling like small potatoes at your bank lately, it's probably time to start looking at a credit union instead.Of course, you won't find a credit union on every corner, or ATMs at every convenient location that you require. But if you compare convenience with better rates, service ... more...

Bad Credit Repair
Building your credit after repeated interruptions is a constant headache we all want to avoid. In this article I am going to break it on down for you, since there are many sources that will take full advantage of you when the opportunity arise. If you feel bad simply because you cant meet your ... more...


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