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Fixing the Mortgage System So It Works For Borrowers
September 5, 2005 In some respects, the United States housing finance system is the best in the world. In other respects, it is unworthy of a banana republic. Our housing finance system has a primary market and a secondary market. The primary market is the market the borrower ... more...

HUD and Yield Spread Premiums
October 3, 2001 The recent decision of the US 11th Circuit Court of Appeals in the case of Culpepper vs Irwin has suddenly swung the spotlight on HUD policy regarding yield spread premiums (YSPs) retained by mortgage brokers.  To this date, HUD has been impotent in dealing ... more...

mortgage iterest information wholesale home addition real related definitions

Second Mortgage, Home Equity Loan
Second Mortgage, Home Equity Loan A secured loan (mortgage) that is subordinate to another loan against the same property. More specifically, the second loan in sequence. Generally, second mortgage hass a higher interest rate and with shorter terms than a ... more...

Second Home, Vacation Home
Second Home Second home is a seasonally occupied property that is not the primary residence of the owner. Such residences are usually found in areas with substantial opportunities for recreation or tourist activity. Second Home As Investment However, when market is ... more...

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Eight Steps To A Great Marketing Plan
Step 1: Where Am I Now? Before you decide where you want your marketing plan to take you,you need to find out where you are now. How have you positioned your business in the market? How do your customers see you? You may want to ask some of them for feedback. Write four or five paragraphs that ... more...

Business or Hobby...What Would the IRS Call YOUR Business?
One thing we know for sure direct sellers start their businesses for a wide variety of reasons. Some want to build a dynasty, some want the tax benefits, some do it to buy and share a product they believe in, while others are simply looking for a way to have fun and make a little money on the side ... more...

Build Your Own Online Network
Many online business owners and marketers use a variety of tools to make their business successful. Good strategies include maintaining a web site, publishing an ezine, joining affiliate programs, advertising on other people's ezines, and much, much more. As any good Internet "guru" will tell you ... more...

How To Create An Organized Filing System
Introduction The test of a good filing system is being able to find something when you need it, regardless of how you choose to organize it. However, there are two basic approaches to setting up a filing system: Establish categories for like items by subject (e.g., Hobbies) Establish an index ... more...

Offset Mortgages: A Dream for Well Off Homeowners
Offset mortgages represent one of the biggest mortgage innovations seen in recent years. Six years ago there was hardly an offset mortgage to be seen. Now they and the current account mortgage, to which they are closely related, account for 10 out of every 100 of new lending.Whats more, one of the ... more...

Real Estate Bubble: Fact or Fiction?
The real estate market buzz across the country these days revolves around the anticipated and much feared bubble. The implication is that once burst, prices will spiral downward taking with them the major assets of those foolish enough to buy at a time when disaster looms large. It could happen ... more...

Secrets of the Option ARM Loan
How Does an Option ARM Loan Work?Option ARM (also called Pick A Payment or Pay Option ARM) loans work by providing the borrower with four payment options each month.Before we get into the payment options, let's review some of the important terms and concepts involved with this loan program.ARM - ... more...

5 Tips for Cheap Home Insurance
Home insurance is a general term for two different insurance products. Buildings insurance to protect your property's construction and home contents insurance to protect your moveable household objects and valuables.The problem is that not all home insurance policies are created equal making it ... more...

Marketing Copy - Brand Identity Guru
Tips on writing great copy for your marketing efforts.It's just four steps that I call the Writing Path1. I create a deadline for something to be produced. This creates pressure that I think is very important. Because I write this e-newsletter-BIGNews every other week, I must find an idea and the ... more...

Surge Protector: A Simple Mechanism Description
A surge protector [AKA surge suppressor] is an electrical plug-in device designed to distribute safe electrical voltages to other electrical or electronic devices. Surge protectors resemble power strips in appearance; however, they are more sophisticated and deliver a constant, continuous power ... more...

Investing In Real Estate Investors
With the never-ending changes in our Real Estate Markets real estate professionals are starting to pay attention to the sound of new commission streams of income. Some realtors have either shied away or ran-away from such terms as Cap Rate, & Cash-on-Cash Returns. Terms that only the smart and ... more...

Promote yourself on radio for free
Unless you have become extremely popular in your personal or business name, you likely need all of the marketing and promotion you can get. Now, you may say, of course, I'm aware of this, but who has the money? This a good and fair question. It may surprise you, though, when I say, you don't ... more...

Reducing Debt Through Lower Interest Loans
It happens to the majority of us, credit card debt accumulates and before we quite realize it, we are carrying a debt load that is far beyond our means. When this happens, we need to take immediate positive steps to knock down the debt as quickly as possible. One of the most efficient ways to do ... more...

Targeted, Relevant, Timely: Direct Marketing Success Is About Doing It Right
Ive been asked just about every question related to using the mail stream better, smarter and with a greater degree of success. I always lean back on three reactions a direct marketer must trigger, simply to gain opportunities: An action of Yes, Ill buy or Im interested in more or Not now, but ... more...

Stop Foreclosure - 7 Tips to Save Your Home
Faced with the threat of a foreclosure on their home, with all the weight of the mortgage industry and its army of attorneys against them, the average homeowner might feel like David facing Goliath.But David defeated Goliath !David had a sling and some pebbles.You have an armory of tactics and ... more...


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