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No-Cost Mortgages
July 19, 2004 "Why wouldn?t anyone in his right mind take a no-cost mortgage if he could find one?" Because no-cost mortgages don?t eliminate costs, they convert them from costs paid upfront to costs paid over time. No-cost mortgages carry higher interest rates, ... more...

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...

mortgage best lines settlement costs lease credit card companies related definitions

Equal Credit Oportunity Act
Equal Credit Oportunity Act (ECOA) Is a federal law that requires lenders and other creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status or receipt of income from public assistance programs. ... more...

RESPA
Real Estate Settlement Procedure Act (RESPA) A federal law passed in 1974 that requires lenders to provide home mortgage borrowers in advance with information of known or estimated settlement costs. RESPA also limits the amount lenders may require to be held in escrow for ... more...

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Logo Design - Branding - Brand Identity Guru
Do you have any idea how important your company logo is? Well you should. It appears on everything from your corporate identity system, brochures to your website, reaching customers, prospects, vendors and the press. In other words, your logo gets to everyone and as they say you only have one ... more...

Real Estate Development Feasibility Study (Income) - $1.2 Billion Developer Tells You How To Do One
There are two sides to a feasibility study and in an earlier article I discussed the cost side of the format and:Now Let's Discuss The Income SideWithout the Sales Income, All Youve Done Is Spend Money, And Anyone Can Do That.So that we are clear in what I am going to define for you, let me say ... more...

Organizational Techniques - Tickler and Chron File
One of the biggest problems we encounter in our consulting with businesses, and our students is time management and organizational techniques. This article will concentrate on some good organizational strategies. Two of the best organizational techniques I have found over the years are the Tickler ... more...

Don't Add A Scam To Your Credit Problems
There are a lot of companies that want to help you get out of your credit troubles. It can be so easy to put your faith in something, hopeful once again that you will get everything right side up again. But if you are in a bad debt situation, you should watch out for those looking to take advantage ... more...

'We Buy Houses' Scams How to Spot Them and How to Avoid Them
There are many reasons why a home owner would want to sell a house fast. Job change, relocation, debt problems, divorce and inheritance are just a few. Unfortunately, people in need also tend to attract predators who have no problem profiting from someone else's misfortune.If you're looking to sell ... more...

Collectible Action Figures - Is About Fun Memories And More Money
Superhero action figures first stormed the doors of department stores and toy stores nearly 35 years ago. Constructed of various kinds of plastic and clothed in uniforms, costumes and capes G.I. Joe, Superman, Spiderman, the Lone Ranger and others marched, flew and rode off store shelves and into ... more...

Google Adwords Online Riches Without Owning A Website Or Product!
Did you know that you can make money from Google Adwords without having a product to sell, or even a website?Its true and there are many people all around the world quietly making lots of money doing it.So how do you do it?Quite simple really, you become an affiliate.An affiliate is somebody who ... more...

Grown Up, But Staying Put
Perhaps its simply because Im at that age, but Ive noticed that over the past few years the number of young adults still living with their parents has risen considerably. As a kid, I remember gleefully imagining the days when I would be free from the shackles of my parents, out on my own, and doing ... more...

7 Big Reasons To Invest In Pre-Foreclosures
Looking for an "in" to real estate investing?Working a nine to five job swapping time for money can be incredibly dispiriting. After the futility of it all hits home, it's all you can do to limit the number of home business opportunities you investigate to twenty per week.One of the more compelling ... more...

Direct Marketing Brand Identity Guru Tips
If your company doesnt have a direct marketing program in place, a direct marketing agency can create one for you. A direct marketing company provides small to very large customizable ranges of business-to-business and business-to-consumer direct marketing options sure to fit your needs. From ... more...

Advertising Headlines and How to Write Them
1. Attract prospects with your headline Use your headline as a flag to attract readers who are interested in your product. If you are selling a solution to premature hair loss, put PREMATURE HAIR LOSS in your headline. Your headline will catch the eye of everyone who suffers from this predicament. ... more...

Increase Repeat Business and Referrals with Direct Mail
So you have been writing mortgages like crazy now for the last few years. You have a pretty big database of customers and hopefully you have been getting and keeping full contact information for them. An organized database is the first key to customer retention.The next step is to put together a ... more...

Home Owners In Trouble! The Real Estate Bubble, Rising Interest, and Variable Rate Loans Concern Fed
Hurricane Katrina, floods, earthquakes, rising fuel prices, shrinking pocketbooks, and now, concerns over variable interest rate loans, are discussions heard throughout the nation.With mounting concerns by the Fed over rising inflation, there is a serious push to increase the current rates of ... more...


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