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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...

What Are "Free" Mortgage Rate Locks?
May 4, 1998 "A lender I solicited offered me a ?free? 60-day rate lock. What exactly does that mean? I am always suspicious of anything that is offered free." A rate lock probably has value to you but you are right to suspect that it is not being given away free. Capital markets ... more...

NM free contract for land sales related definitions

Land Contract
Land Contract A contract selling arrangement whereby the buyer may use and occupy land, but no deed is given by seller until the sales price has been paid. Also commonly called a conditional sales contract, installment sales contract or real property sales contract, used ... more...

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...

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Get Free NM free contract for land sales Quotes and Estimates

Get instant on-line mortgage rate quote and closing cost estimate. Only put your loan numbers. No contact info required. Compare offers from top mortgage lenders... more...

The Howl - Monthly News Letter -Issue #2
The Code of Conduct ---- It seems almost ludicrous that this is a topic that many of us should consider in privately held distributorships.When I suggest there may be a need for a Code of Conduct I am not talking about a need based on employee behavior, I am talking about the need based on family ... more...

The 12 Dumbest Things Salespeople Do
We all make mistakes and some salespeople seem to make a lot of them. What scares the vinegar out of me is that most salespeople keep making the same mistakes over and over again. Now in my book - that's just plain STUPID!Maybe this list will serve as a helpful reminder. Maybe it won't. But at ... more...

Buying Country Acreage and Rural Properties, To Buy or Not To Buy
Almost anyone can become a rural property owner; if you are willing to set goals, establish what your purposes are, plan ahead and set targets that are all aligned toward the same result. And, if you can be patient instead of requiring instant gratification.There is no more $50-an-acre land; unless ... more...

Free Credit Reports: From The 3 Major Credit Bureau's!
Get your credit report online for FREE. Many financial advisors suggest that you periodically review your credit report for inaccuracies or omissions.This could be especially important if you're considering making a major purchase, such as buying a home. Checking in advance on the accuracy of ... more...

Land for Sale
Think owning land would cost a fortune? Think again! While land prices on the extreme coasts motors upward, there are millions of parcels for sale throughout the USA that can fit into anyones budget. There is probably a land deal that could make you a profit happening right under your nose right ... more...

Increase Sales With Travel Incentives
Todays business environment has changed dramatically over the past 10 years, it can be a tough task to make a sale. Just being aggressive doesn't cut it any longer. Sales skills alone aren't enough to compete when so many new products and services become everyday commodities. Consumers nowadays are ... more...

Getting Raw Land, Not a Raw Deal!
There is more to buying raw land than meets the eye and more than a few individuals have wished theyd had a second chance upon finding themselves duped, conned, misled, ill-advised, uninformed, oversold, undereducated and often unprepared. They realize, often too late, that a raw land purchase ... more...

Due Dilegence 101 Or What You Do Not Know Can Kill You! - Part 1
Introduction: This article is written as a general discussion on the subject of Due Diligence. It is for informational purposes and not intended to be a definitive guideline for your exact situation. You should consult the appropriate professionals with regard to your specific transaction or ... more...

Where Did All The Farmers Go?
Several times a year, I hear someone complain about the development of farm land in our area. These complainers consider it a crime that so much of our farm land has been converted to housing, business, shopping, etc. They seem to consider the farmers and developers to be criminals.If you want to ... more...

Add Audio to Your Web Site and Increase Your Sales up to 35%!
Ok, you've got your site built, you have traffic coming to it, a good product at a reasonable price.... hmmm... what else do you need?What else could increase your conversion rate?Audio!All right I know what you're thinking... "Why should I go to all of the trouble of adding audio to my web site ... more...

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