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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...

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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...

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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Understanding the Function of Credit
What is Credit?Credit is the backbone and the engine behind the workings of the economy. Credit simply allows individuals and companies to borrow funds in good faith and pay it back over a specified time frame. Lenders base their decisions on who they should lend to by using your credit rating.Your ... more...

Designer Handbags Reach Record High Average $2,000 Fall 2005
Shopping in Beverly Hills last week I strolled Wilshire Boulevard popping in and out of fancy stores sizing up all the new designer handbags. There are a number of new looks for Fall 2005, and prices have a new look, too. Did you know designer handbags have become the staple in most wardrobes? ... more...

Get your Dream Car Get a Car Loan
Youve probably spent years thinking that your dream car is out of your reach. But have you though about a car loan? That car youve always wanted could be just within your grasp!America is a nation of car owners. With over 133 million cars on the road, that means that there are 1.24 cars to every ... more...

What To Expect In Closing Costs On A Home Purchase
Many are taking advantage of this years low mortgage rates to purchase a home. Pent up with excitement, many families, who have scrimped and saved for a down-payment, jump for joy when the mortgage lender finally approves their application. But, they should realize that theres a whole new set of ... more...

Real Estate Rookies Need to Work Smarter, Not Harder!
The housing boom has attracted a flood of newcomers to the real estate profession. Those that have been downsized, retirees and even people who just want a better life style see real estate careers as exciting, less stressful and offering high rewards.But they soon discover that the real estate ... more...

Finding The Perfect Maui Home For Sale
If you are thinking of relocating to Maui, this article will hopefully guide you to making a positive decision when thinking of buying a home there. Hopefully, by the end you will be one step closer to finding a Maui home for sale, and being able to purchase it.Maui is an island belonging to Maui ... more...

The Right Time to Buy A Home
There are many real estate market forecasts and predictions available - however the bottom line is that if you want to buy your first home-there is no wrong time. This is because the motivation to buy is not determined by regional market conditions or by location, but rather by your personal needs ... more...

A New Choice for Home Financing: Correspondent Lenders
When you begin your search for a new home loan, one of the first things to consider is where you'll get the money. Your basic choices will be mortgage brokers and banks.Your first instinct may be to go with your local bank, who you know from doing business with them for other things, such as your ... more...

Construction Loan Basics
It might not be too big of an exaggeration to say that the construction loan is one of the more daunting aspects of building your custom home. Before we started our project, I had nightmares about trying to pay two full mortgages at the same time (our existing mortgage and the construction loan), ... more...

Marketing Virus Every Writer Needs to Catch It
For you writers aspiring to greatness, you might need a virus, before you can be great! You need a Marketing Virus. Every unknown writer needs a virus that will spread like the deadliest bug known to man.So how do you get this virus, and how do you make it work? Simple, the virus comes with ... more...

How to Use the Internet to Help Your Apartment or House Hunting
So you are looking for an apartment to rent or a house to purchase. One of the most important steps is researching the neighborhood to decide if you really like to live in that area. The best way to do this is driving around that area to see if you really like that neighborhood. You should pay ... more...

How I Built My Online Business From Scratch
When I got divorced, I didn't know how I was going to be able to cope with my financial responsibilities which included mortgage, car payments, my kids' private school plus all the other expenses related to having a family without a husband's salary.I had recently lost my full-time job, had managed ... more...

Benefits Of A Relocation Service
In relocating into a new house or office, you are aware of the chaos it may bring to your life. With all the clutter in your house, the planning and preparation of the relocation, choosing the right house, and what to do before and after relocating, who could accomplish these things with just two ... more...


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