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Qualifying For a Mortgage
December 12, 2000 Most potential borrowers are nervous about getting a mortgage loan because they share a widespread misperception: the misperception is that they have no bargaining power relative to lenders, and therefore must approach them ... 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...

fnma and fhlmc guidelines for aliens related definitions

Fannie Mae, FNMA
Fannie Mae (FNMA) A private and tax-paying corporation created by Congress that acts as a secondary market investor to buy and sell mortgage loans. FNMA sets many of the guidelines for conventional mortgage loans, as does FHLMC. Fannie Mae purchases and sells conventional ... more...

Freddie Mac
Freddie Mac Federal Home Loan Mortgage Corporation (FHLMC) also called "Freddie Mac" - a quasi-governmental, federally sponsored organization that acts as a secondary market investor to buy and sell mortgage loans. FHLMC sets many of the guidelines for conventional ... more...

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Get Free fnma and fhlmc guidelines for aliens 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...

WhereTo Get Money For A Franchise Idea
How often have you thumbed through a business opportunity magazine, noticed a franchise opportunity advertisement, and felt you'd really like to get in on that...if only you had the money? If you're like most who are seeking greater opportunity and wealth, this probably happens with you more often ... more...

Debate for Business Plan Data and Early Franchise Disclosure
I have heard franchise attorneys say that prospective franchisees need the disclosure documents early on so they can make a business plan to see if the franchised outlet is feasible and I debated with them over this point of contention. Potential franchise buyers have also told me they wanted to ... more...

Successful Real Estate Investing
One of the best roads to wealth in America has always been the acclimation and development of good, solid, income-producing real estate. Real estate ownership is one of the best ways to achieve financial independence for the average person. But in order to be a successful real estate investor, you ... more...

A Fragile Lifeline: Lessons I Learned Answering The Aids Hotline
Dial 1-800/AIDSNYCEvery Monday and Wednesday morning, promptly at 10 a.m., I leave behind my daily life and turn to volunteering as an AIDS Hotline counselor at New York Citys GMHC [Gay Mens Health Crisis], the nations largest social service agency for AIDS.For the next four hours, my ... more...

Soul Band for a Party
Was the request six months ago, a sixtieth birthday party, the client said. It got me thinking. There is a whole untapped market out there for people who lived as teenagers and twenty somethings through the sixties and seventies. They are all coming up to this big sixtieth birthday date and they ... more...

Sex, Love, and Poly-Behavioral Addiction
Proposing a New Diagnosis and Theory for Patients with Multiple Addictions By James Slobodzien, Psy.D., CSACExperts in the field of addictions are presently purporting that between 3 and 6 percent of the worlds population (193 to 386 million people) are presently affected by a sexual dependency or ... more...

The Right Wheelchair Accessories Will Ease Your Life and Your Journeys on Wheels
Wheelchairs come in every shape and size with sufficient options that you can find the wheels you like to take you where you want to go with the assistance you need. To enhance the comfort and convenience of your journey, choose accessories tailored to provide the best support for your activities ... more...

Interview with Jan Walker, author of "An Inmate's Daughter"
Prison parent/family educator, Jan Walker, is speaking with us today about her newly published book. Jan is trained in child and family studies and has spent the past 18 years as a correctional educator for adult felons in medium custody prisons. Welcome to Reader Views Jan.Irene: Jan, your book, ... 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...

Hot Business Trends for 2004 And Beyond: Maybe One Will Turn Into a Creative Business Idea for You
I always look forward to the December issue of Entrepreneur magazine. Thats the issue that features the publishers annual pick of hot businesses, markets, and trends for smart entrepreneurs or those who aspire to be. Some of the high tech businesses cited like mobile gaming or online learning ... more...

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