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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...

Am I Unfair to Mortgage Brokers?
July 23, 2001 Ever since I began warning consumers about tricks of the mortgage broker trade, I have been fielding angry letters from brokers.  Some of them are fit to print, and even thoughtful.  It is time to deal with their arguments. ... more...

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Non Conforming Loan
Non Conforming Loan A loan that does not meet the Fannie Mae or Freddie Mac underwriting guidelines. This is also known as a portfolio mortgage. The loan can't be sold on the secondary market so it must keep it and service it in its own portfolio. Non-conforming loans have ... more...

Closing Costs
Closing Costs Expenses incurred by the buyer and seller in a real estate or mortgage transaction. There are two types of costs: recurring and non recurring. Non-recurring costs are one time transactional costs ... 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...

The History of Invoice Factoring
Factoring is one of the oldest business practices known. We know that it was used at least as long ago as the time of the Ancient Roman Empire, when merchants would enlist the help of collectors in order to settle trade debts. The primary reason for factorings long history is that it addresses a ... more...

Asset and Liability Basics
Knowledge of accounts can make life much easy. If you are to invest in a new business or joining your forefathers business, planning to take some loan, looking for job in any marketing company, desire to be the manager of a multinational company or have the onus to manage your own assets and ... more...

Factoring Financing: How to Grow Your Business Without Debt or Loans
What is invoice factoring?Accounts receivable financing, also known as invoice factoring, is a powerful financial tool that has fueled the growth and success of a number of companies. Factoring enables companies to capitalize on their unpaid receivables by selling them to a factoring company for ... more...

The Three Keys To Starting Your Own Successful Business
* The Three Keys *There are 3 key ingredients to starting a successful business:- Good people- A wanted product- Low overheadIf you can achieve these three things your business has a great chance of succeeding. Lacking in one of these key areas will almost ensure that your business will fail.If you ... more...

Local Phone Service - Before You Switch Guide
Many people lately appear to be confused as to what all these new local phone services mean to them. Yes, there are great rates and deals floating all over the place, but there are definitely some issues that need to be cleared up and some questions to be answered. Few even think to ask half the ... 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...

Choosing the Right Debt Consolidation Service for You
Getting into enough debt to be in over your head or constantly in a state of worry is pretty easy. Credit is an important part of living in the modern world, but the truth is that the debt associated with it can come fast and make things difficult on your and your family. Since you were not likely ... more...

The Sources Of Income Taxable Under Central Excise Duties
Electronic access to professional adviceThere are various categories of professions which perform their consultancy like a consultant, lawyer, doctor or other professional service provider advises customers through email, chat rooms, video conferencing, or other remote means of communication. These ... more...

Warning - This Lease Might Explode Any Minute
Mike Caringi, owner of a small New Jersey business that sells pumps, found himself facing a gut-wrenching dilemma last summer. Should he continue paying $ 1,500 each month for essential telecommunications services he no longer receives and for leased equipment he claims was never installed? Or, ... more...

Understanding Debt Management Services
When some people become overwhelmed with debt and find it hard to pay their bills, they often turn to a debt management service. These services can often be found through credit counselors, and you should only use a service that you're comfortable with. This service should be more concerned with ... more...

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