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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 Free payroll service 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...

10 Steps to Creating Your Smalll Business Disaster Plan
I'm a recent Hurricane Rita evacuee and survived the evacuation and the ensuing hurricane. Running from a hurricane isn't something I've ever had to do before, nor is it something I'd ever like to do again. However, as a solo business owner, I'm quite thankful that I have a virtual business. The ... more...

How to Select the Best Factoring Finance Company for your Business
What is factoring? Factoring is an innovative method of business financing that allows clients to get an accelerated payment on their slow paying invoices. Traditionally, when a company offers its services to another business, they need to wait between thirty to sixty days to get paid. Although ... more...

A Beginner's Guide To Setting Up A Successful Online Store
A beginners guide to setting up a successful online store Online selling is by no means a simple task. To sell products online not only requires making use of high end marketing strategies but also involves lots of planning. This article is meant for those of you who intent to start an online store ... more...

When It's DUH? Time at Trade Show - 3 Little Words Save the Day
TIME, MONEY, HASSLE - You can make a sale on one of the Three Little Words, but when you sell on two of the three, youll have a very loyal client.Youve have product training and sales training, you reviewed your company's web site and literature, you understand the demonstrations, and the ... more...

The Basics On T1 Line Solutions For Small Business
T1 Lines have been the primary source of mission critical bandwidth for companies of all sizes for nearly 20 years. With so much history, a basic understanding of the T1 line should be common knowledge among business owners who are looking for reliable bandwidth for Internet access, data ... more...

Bad Credit Debt Consolidation Services
If an individual can no longer handle his debt, a credit counselor can make an in depth study of his financial situation and suggest enrolling in a debt consolidation service or a debt management plan. In a debt consolidation service, the counselor negotiates with creditors for lower interest rates ... more...

Individual Voluntary Arrangements. IVA
What is an IVA?There is an alternative to bankruptcy called an "Individual Voluntary Arrangement" (IVA). This is a formal arrangement through the county court to pay an agreed amount off your debts over a shorter period. This usually means paying a high monthly instalment over 3 to 5 years. The ... more...

VA Loans, A Gift from Uncle Sam
Uncle Sam has a gift for the men and women who serve our country. It is the VA loan. The VA loan, short for Department of Veterans Affairs home loans, is available to veterans, active service members, reservists, and members of the Public Health Service. These loans are so popular, that in the past ... more...

Debt and Bill Consolidation - Consolidate Debts with No Loan or Credit Check
Debt consolidation has several advantages. For the most part, many consumers are unable to eliminate their debts. High finance charges and late fees keep many people in the hole. Fortunately, there is an easy solution to becoming debt free within a few years. Debt and bill consolidation ... more...

How to Get Along with People
I am so proud of you that you decided to read this article. The fact that you are willing to learn new things proves that a bright future is waiting for you! A great person is a person who is open to learning new things. You will achieve great things in life once you learn this skill. So smile and ... more...

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