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HUD and Yield Spread Premiums
October 3, 2001 The recent decision of the US 11th Circuit Court of Appeals in the case of Culpepper vs Irwin has suddenly swung the spotlight on HUD policy regarding yield spread premiums (YSPs) retained by mortgage brokers.  To this date, HUD has been impotent in dealing ... more...

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...

respa hud 1 form related definitions

RESPA
Real Estate Settlement Procedure Act (RESPA) A federal law passed in 1974 that requires lenders to provide home mortgage borrowers in advance with information of known or estimated settlement costs. RESPA also limits the amount lenders may require to be held in escrow for ... more...

Verification of Employment, VOE
Verification of Employment, VOE A document requested by a lender and signed by a borrower's employer as indicated by the borrower, verifying his/her position and salary. The applicant must sign this form (Form 1005) to authorize his or her employer to release the ... more...

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Sex, Love, and Poly-Behavioral Addiction
Proposing a New Diagnosis and Theory for Patients with Multiple Addictions By James Slobodzien, Psy.D., CSACExperts in the field of addictions are presently purporting that between 3 and 6 percent of the worlds population (193 to 386 million people) are presently affected by a sexual dependency or ... more...

Project: Space Tomb [Now in SPANISH and English]
Project: Space Tomb [Launch pad: Cibara-#17]It looked like a traveling prison, a space tomb to the observers; a heavy bulky projectile for the most part, as if it was shot out of a cannon, a hundred-thousand years ago; rustic and ancient with a technology unknown to scientists on earth. It was in ... more...

How To Dispute Your Credit Report Errors
Your credit report contains important information about you. It generally includes facts about your identification data, your bill-paying habits, inquiries and public record information.Credit bureaus compile and sell your credit information to businesses, which use it to evaluate your credit ... more...

Dealing With UK Water Rates Debts: What You Need To Know
UK Water RatesYOU CANNOT BE DISCONNECTED FOR WATER RATES DEBTSWater companies can no longer disconnect your water supply if you are in arrears. The rules changed on 30th June 1999. They also cannot install anything in your home that restricts the flow of water from the taps. If the water company ... more...

Real Estate Stories that Show You How!
Lets begin easing you out of the pits. I mean, comfort zone! Im going to slowly and methodically give you as many little sparks and insights to the relatively simple ways that ordinary people use real estate to achieve extraordinary results.Stories are the best spark plugs. They let you casually ... 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...

Thieves Continue to Pull Off the Biggest Heist in HistoryUntil Now!
Imagine being able to steal untold millions of dollars in plain view without getting caught. Impossible you say. Be careful because you are most likely a victim of this heist. In fact, you may actually be giving these thieves referrals so that they can dupe your friends and family.For a while I was ... more...

Top 3 College Football Picks for the Weekend
Top Play: NC State -10 over UNCI really have to question the mindset of the Tar Heels coming into this one 0-2 and sputtering on offense. Their QB Baker took a major pounding against Wisconsin last weekend and will continue to do so unless UNC finds some sort of running game.This Wolfpack team is ... more...

Rebuilding After Katrina: Smart Energy Choices
Energy efficiency has been part of the American lexicon since 1978 when the Energy Policy Act was first enacted. Since then, energy efficient homes and increased use of renewable energy resources have become the norm in states like New York and California. Policies and programs have supported these ... more...

The Gaian Paradigm Part 2
Part 2 The Implication of the Gaian Paradigm to Social InstitutionsThe new Paradigm is a scientific hypothesis which explains many phenomena in cosmic evolution. But it is more than that. It suggest a new worldview or mindset by which humans can examine current phenomena with respect to their ... more...

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