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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 Road to Success in Home Business: Passion, Commitment, Self-Discipline, and a Good Plan
Starting a home business is an adventure, full of exciting twists and turns - and challenging detours, too. It can take you to places you never dreamed. It can make your dreams come true. Running your own home business can teach you things about yourself you may never learn while working for others ... more...

Take Back Your Life: Prioritize Your Personal Life
For some reason, Americans think they have something to prove by doing it all themselves. People say to me all of the time, that someone else just cant do for them, the things that are on the to do list. Well, that is not only a ridiculous statement, but one that can be proven wrong over and ... more...

Double Your Income Automatically
It is a common known fact that it is far cheaper to keep an existing customer then it is to acquire a new customer. With this fact in mind you need to do everything possible to keep your existing customers happy and find complimentary products to offer your existing customers.If you are a Mortgage ... more...

10 Tips For Growing Your Business
1. Over deliver, but don't over promise. - Most companies do just the opposite. They want that sale so they promise their customers the moon but then they fall just a little short. They might have provided exceptional customer service, but excellent service looses its luster if it falls short of ... more...

Finding A Capable Agent To Meet Your Real Estate Needs
Whether youre a first-time buyer, selling your current home or relocating to a different part of the country, the support of a qualified, knowledgeable real estate agent can alleviate many of your concerns and ensure a smooth transaction. A professional agent can market your present residence, ... more...

How To Build a Successful Online Reputation
After running an online business (web site design) for a number of years I built a reputation online that helps me to gain and retain a continuous flow of customers. I had no online reputation when beginning my business, but was able to build it up step by step over the last few years.Why is ... more...

Free Image Hosting For Single Mums - Top 3 Tips
This may come as a surprise for you as a single mum, but there are free image hosting places for you to create your own online photo albums... and yes... totally free!Read on...I understand how frustrating it can be just trying to find a place where you can share an unlimited amount of photos with ... more...

Building a Strong Business Relationship
When it comes to business and sales, building a strong relationship is critical. The stronger your relationship is with your customer, the more likely they will be to refer you business.Every day, make an attempt to build on the relationships you have with your customer. Dont just say hi as they ... more...

Credit Repair Services vs. 'Do-It-Yourself' Credit Repair
Millions of Americans suffer because of bad credit these days, and almost all of these people turn to the Internet for help. In the past 5 years hundreds of internet-based credit repair services have sprung up, preying on consumers in need of real help. Most of these companies have built less than ... more...

Do You Have a Plan?
Writing a business plan for a home based business is every bit as important as writing a business plan for a conventional outside the home business. The lack of a concrete plan can be linked to many businesses failing before they realize their goals.There are numerous software programs available ... more...

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