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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...

How to Shop For a Mortgage
September 24, 2003, Revised November 12, 2004 Shopping for a mortgage effectively isn?t easy. Reforms proposed by HUD, which were pending at the time this article was first drafted, and which promised to make the process much easier, were never enacted.   ... more...

shopping mortgage interest rate survey seller home credit related definitions

Adjustable Rate Mortgage, ARM
Adjustable Rate Mortgage (ARM) Also known as a variable rate mortgage. The interest rate on these mortgages changes periodically. Variable or adjustable loans are loans whose interest rate fluctuates over the period of the ... more...

Variable Rate Mortgage
Variable Rate Mortgage The variable rate mortgage, affectionately know as Adjusatuble rate mortgage or ARM is a mortgage with a rate that will adjust over time. You may be familiar with the term three year ARM, or five-year ARM. ... more...

More about shopping mortgage interest rate survey seller home credit

It's High Time for a Lower Credit Card Rate
How would you rate your credit card interest rate? Unfortunately, this is a simple question that few consumers take the time to ask, and it can be a costly oversight. High interest rates on your credit card balance can inflict some heavy damage on your wallet. A higher rate means higher finance ... more...

Brand Awareness - Brand Identity
About once a month a few of us at the office get together during lunch for what has become known as a SWAP meeting. We share thoughts, stories and sometimes play Pictionary. Its a great way to relieve stress and learn interesting tidbits about the people we work with.One afternoon our conversation ... more...

How to Find and Buy a Bargain House with Little or No-Money Down
Real estate investors know how to make money buying distressed houses. Investors recognize that bargain houses offer the best way to make a return quickly.Bargain houses also open up a way for first-time home buyers to buy with little or no savings for a down payment. If you want to reduce the ... more...

Purchase Your First Home with Confidence
If you are making the transition from renter to homeowner, you're not alone. In 2004, 40 percent of homebuyers were purchasing for the first time, according to "The 2004 National Association of REALTORS Profile of Home Buyers and Sellers."With interest rates at all-time lows and a booming real ... more...

From Debt to Financial Freedom
The vast majority of working people are in debt. The vast majority of people who are now in debt are always struggling to find better jobs with higher pay checks. As strange as it may sound the more you think about it the more you will come to realise that the more money people make the deeper they ... more...

Brand Building 101
Building your brand into a brand leader isnt easy. There are 2 areas that can really help you grow your brand, passion and consistency. Passion is incredibly important. You have to understand that even if you are a start up or a one-man operation, or are well on your way, you are still a brand. You ... more...

7 Secrets to Having a Financially Healthy Family
How many times have you replied "We don't have the money for that" when your child asks you to buy him something? His innocent reply is "Get some from the machine or the bank". You think to yourself, "If only it were that easy". Managing money is a tough concept for children to grasp, and ... more...

Brand Identity Company Brand Identity Guru
Hiring a brand identity company is very important. In every marketing campaign, your company should have a solid brand identity on which to hang its hat. Over time, no matter what your ad at the moment says, your brand identity will be the thing people remember and what that gets them to call you ... more...

Brand Identity Guru - Is Your Brand Vital?
The world is not waiting for youor your product or service. Or your firm. Or your firms message. Theyre getting along just fine without you. Until you give them a reason to think otherwise, itll continue that way. This isnt news, though. Thats why you advertise and market. But so does every other ... more...

A Guide to Banking Services
Many of the important choices that you make in life concern financial matters from choosing investments to shopping for groceries, money is an important part of everything that you do. When it comes time to make a decision concerning how you want to handle your money, it's generally best to know ... more...

Logo Design - Corporate Identity Branding - Brand Identity Guru
Like it or not its who you are. Your corporate Identity touches all aspects of your business and plays a vital role in your customer's overall feeling with your organization. Having a strong integrated identity throughout your marketing communications is the first step to building your company and ... more...


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