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Upfront Mortgage Brokers Listed by State
IMPORTANT NOTICE:  BEFORE CONTACTING BROKERS LISTED BELOW, READ  "HOW TO DEAL WITH A UMB" Upfront Mortgage Brokers as of December 10, 2005  Arizona Resident Brokers Keith Carothers, AZ Mortgage Dr. Fee: Negotiated on a case-by-case basis www.azmortgagedr ... 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...

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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...

Home Equity Loan
Home Equity Loan A home equity loan is borrowing against the equity you have acquired in your home. Lets suppose your original mortgage was $175,000.00, but your house is worth $225,000.00. The difference is $50,000.00. ... more...

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Home Ownership Dream
One of the American Dreams is Home Ownership! But just how achievable is that dream for the ordinary Joe in the street?I would say these days that the Home Ownership dream is more achievable than ever before.We are more financially aware than our grandparents which gives us an advantage when it ... more...

What Kind of Business Should I Start?
Its not uncommon to reach your 30s, 40s or even 50s and still wonder, What do I want to be when I grow up? Few people are fortunate enough to be certain of their destinies early on and the rest of us are forced to do some soul searching.The desire to own a business is becoming more common as ... more...

Does Your School Teach You How to Achieve Financial Freedom?
Study hard, get good grades and you will have a bright future! I am pretty sure many of you have been brainwashed by your teachers with this statement when you were students. And your perception of a bright future is most likely to become a lawyer, doctor, engineer, businessman. whatever that ... more...

A Life Time of Strategic Thinking
You may be one of the thousands who think Strategic Thinking applies only to the captains of business. But consider human stages of life and how Strategic Thinking is used at the most rudimentary level.The first weeks after birth, your Strategic Thinking is getting others to give you food, comfort ... more...

Identity Theft - Is Your Business At Risk?
More and more business owners are purchasing document shredders then ever before.Why?... Identity theft for starters.A new law is going into effect in the summer of 2005 which states that if you employ anyone for any reason and have personal information on file regarding that individual for Social ... more...

You Can Bank Online
It used to be that banks were service providers who were open late and made their money by investing the money you deposited with them. For depositing money with them, they would pay you a little bit of interest.The times, they are a-changing!How times have changed! Nowadays, you will be lucky to ... more...

Making Your Realtor Web Site Pay for Itself
Most home buyers start their home search on the net. If youre a real estate agent or broker and you think your website should be doing more, youre not alone. Realtors are in a very competitive business and a good web site will make your business more successful.A realtors website design needs to ... more...

Anatomy of an Online Marketing Failure
Wife: "I'm getting sick of these harrassing bill collectors who call me all hours of the night and day."Husband: "I know Sweetheart. I'm going to turn things around financially for us. Bill, down at the office, says that there's lots of money to be made on the Internet. I think I'll go to him for ... more...

Real Estate Tip: Escrow Accounts -- Do You Really Need Them?
If you have a mortgage on your property, whether it's for your personal residence or a real estate investment, chances are you have an escrow account. But if you are working on building wealth through real estate, you may want to take a hard look at your escrow account (or accounts, if you own more ... more...

Real Estate Investing - Maximum Leveraging of Your Money
At this moment, you have access to some amount of money, from the extremes of only pocket change to the reserves of Bill Gates or Warren Buffet.Suppose you want to invest your funds into some vehicle that will multiply the return.You look around for the Return on Investment of various investment ... more...

Buying Your First Home After Marriage
If you are doing some family planning and need to buy a house or just looking for something new, buying your first home can be exciting but there is a lot to know. Buying a home will depend on real estate laws and customs where you are located but there are basic steps that every first homebuyer ... more...

Free Home Equity Loan Information
Home equity loan information can sometimes be confusing and misleading. I have written this article to properly explain home equity loans. Basically equity is the difference between your home's appraised -- or fair market value and the outstanding mortgage balance you owe on your home. Borrowing ... more...

Credit Card Debt Consolidation: Top 3 Factors to Consider
If youve got a number of credit cards and insurmountable credit card debt, then perhaps its time to consider a debt consolidation loan. A consolidation loan is a loan that you can use to pay off all your debts, meaning that you can pay them off for less money without having to worry about lots of ... more...

How To Start A Computer Support Business
Starting a computer support business is something that with some experience and training almost anyone can do. As a person owning an independent computer support business as well as a website to help others that support home users I thought it would be nice to point out the steps needed to start a ... more...


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