The Need for Employment Background Checks
Depending on your state and what type of business you are in, employee background checks may or may not be mandated by law. In businesses that deal with children or seniors, Federal law requires background checks on all employees and/or volunteers. The reasons should be obvious: the Federal ... more...

Buying and Selling Real Estate: Negotiating to Win-Win
You don't get what you deserve - you get what you negotiate for.If youve spent some time on homekeys.net, you probably noticed we generally dont carry a torch for tradition or conventional wisdom. Having said that, the well-worn clich above still holds true, especially in real estate transactions ... more...

Debt Collectors; And what you can do to Get Them Out of your Life
FTC opinion letter on validation Section 809(a) of the FDCPA, 15 U.S.C. 1692g(a)This will be a pretty long lesson and will cover an integral part of validation which is the receipt of the initial or first contact with the debtor by a collector which usually gets thrown in the trash can if the ... more...

Buying a House After Bankruptcy - Things To Consider
Bankruptcy can make getting any kind of financing much more difficult. However, it's not impossible anymore to get financing, even a few days after the discharge of a bankruptcy. But, is getting a loan soon after a bankruptcy a smart thing to do?It can be tempting to buy a new home, new car, etc. ... more...

Dynamic Pre-Hiring Practices
The pre-hiring process can be a challenge. Much time and energy can be invested and in the end, wasted, if your approach is not focused, deliberate, and specific. The following approaches have resulted in meeting candidates that not only meet our specifications, but also regularly exceed our ... more...

The Top 5 Things You Must Know Before Applying for a Mortgage
Youve been thinking about buying your own home for quite a long time, and now youre ready to take the plunge. Youve been saving money for a down payment, and you know the next step is preparing to apply for a mortgage.But where do you start?Here are the top 5 things you need to know before ... more...

Finding a Mortgage Loan with Bad Credit
If you have bad credit, you might think that you'll never be able to find a lender willing to offer you a loan for some of the better things in life... especially high-value loans such as a mortgage loan to buy the house of your dreams. You'll be relieved to know, however, that a variety of lenders ... more...

Identity Theft Shield
We live in an information-oriented society. Technology allows us to do business and make transactions literally in a matter of seconds. This abundance of information has given rise to a new crime - identity theft. In fact, according to a 2003 release from the Federal Trade Commission, almost 10 ... more...

Why It's Important to Get Pre-Approved
Having a pre-approved mortgage will give you the confidence of knowing exactly what you can spend on a home before you start looking. You will also be protected against interest rate increases while you look for your new home.Your Mortgage Specialist will answer your questions and help you ... more...