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Where Are the Settlement Cost Savings?
July 8, 2002 "In a recent speech, associate general counsel of HUD John Kennedy said that ?the various fees and junk fees lenders and settlement providers charge have not changed in 30 years.? Can you explain why, with all the technological innovations in the mortgage ... more...

Manufactured Housing: A Messy Picture
May 19, 2003, Revised February 14, 2005 What Is a Manufactured House? A manufactured home is built entirely in a factory, transported to a site, and installed there. It is distinguished from "modular", "panelized", and "pre-cut" homes, ... more...

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Foreclosure
Foreclosure A legal process by which the lender or the seller forces a sale of a mortgaged property because the borrower has not met the terms of the mortgage. Also known as a repossession of property. When the process is complete, it is typically said that "the lender has ... more...

Default
Default Failure to meet legal obligations in a contract, specifically, failure to make the monthly payments on a mortgage. You'll ... more...

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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...

What About Tennesse Dept. of Human Services Abuse of the Elderly and Their Families?
PART I: Physical Abuse of the Elderly vs. Tennessee DHS Abuse of FamiliesDuring the week of October 26, 2003, newspapers across the state of Tennessee published an Associated Press story that featured the glaring news headline, Reports of neglect and abuse of senior citizens up 40% in six years. ... more...

Invisible Slavery System
Invisible puzzles are mechanisms hidden inside products and services you use, and the social/political systems you interact with. They are invisible due to the use of manufactured perception and deniability-tactics. These puzzles are designed to harness everyone's efforts to silently maintain and ... more...

For Sale By Owner - Prepare for Success
So you want to sell your home without a real estate agent. Like hundreds of thousands of other homeowners, you've chosen this option because you don't want to pay those large commissions to an agent. Many people who have tried it in the past will tell you that selling your home on your own can be ... more...

New Bankruptcy Legislation May Make it Harder to Find an Attorney
The recently passed Bankruptcy Abuse prevention and Consumer Protection Act will make it harder for people with problem debt to have their debt eliminated through filing for bankruptcy. This new legislation will make it harder to have debts wiped out by the courts, and will require more debtors to ... more...

Getting Ready to Seek Investors
Entrepreneurial ventures are constantly in the market for new capital. Experienced entrepreneurs realize that the financing of companies is done in stages and that they have to be flexible in identifying the latest trends in financing.For many startup entrepreneurs, initial financing can be the ... more...

Mortgage Can Be A Long Engagement
Mortgage is a legal tool that pledges a real estate property as repayment in order to obtain a loan. Even though a person does not have enough funds to buy a property outright in cash, he can do so through mortgage. Mortgage provides the guarantee that the loan will be paid back on time. How so? ... more...

Key Terms to Know When Buying a Home
Turn your dream of home ownership or moving up into a reality, but do it right. The real estate market is a difficult one, and should not be entered casually. There are so many legal/real estate terms, contracts, listing agreements, disclosure statements, title documents, etc. Getting as much good ... more...

Tackling Bad Credit
The first time I heard the term credit history was when I approached a lender for a secured loan. Being a first timer I was completely ignorant of the procedure and didnt even know that a credit record of our transactions is prepared by some credit reference agencies.Thanks to the discipline in ... more...

Legal Assistance: Ways In Which Lawyers Can Help Your Business
You cant escape them. Sooner or later youre going to have to face them. If youre serious about running a successful business, chances are you will need the expertise of an attorney. The following are some ways in which a lawyer can help an entrepreneur:1. Form Of OrganizationA lawyer can help you ... more...

Know When To Get An Agreement In Writing
Although most people believe that it is always necessary to get any agreement in writing, there are cases where a verbal agreement is legal and valid. However, since there are just as many instances where a written agreement is necessary or, at the very least helpful, it is a good idea to know ... more...

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