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Upfront Mortgage Brokers Listed by State
IMPORTANT NOTICE:  BEFORE CONTACTING BROKERS LISTED BELOW, READ  "HOW TO DEAL WITH A UMB" Upfront Mortgage Brokers as of December 10, 2005  Arizona Resident Brokers Keith Carothers, AZ Mortgage Dr. Fee: Negotiated on a case-by-case basis www.azmortgagedr ... more...

Advantages and Disadvantages of Mortgage Escrows
December 4, 2000, Revised December 3, 2002, November 16, 2004 "I can set up an escrow account for paying taxes and insurance, or not. The decision is mine. How do I make it?" The major advantage of a mortgage escrow is that the lender assumes responsibility for ... more...

west star escrow company related definitions

Earnest Money
Earnest Money Money given by a buyer to a seller as part of the purchase price to bind a transaction or assure payment. This deposit made by a buyer of real estate towards the down paymen is typically held by the real estate brokers or the escrow company. ... more...

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...

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Brand Identity Company Brand Identity Guru
Hiring a brand identity company is very important. In every marketing campaign, your company should have a solid brand identity on which to hang its hat. Over time, no matter what your ad at the moment says, your brand identity will be the thing people remember and what that gets them to call you ... more...

Where Does Your Real Estate Commission Fee Go - Why is The Commission so HIGH?
Many who have bought and sold properties through Realtors numerous times; even many real estate agents themselves, don't know where the commission money goes. After all, when a property sells for hundreds of thousands of dollars and the commission is tens of thousands of dollars, it seems like ... more...

How to Choose a Debt Settlement Company
As consumer debt continues to spiral out of control, debt relief is fast becoming a major concern for many Americans. In 1999, Americans made $1.1 Trillion worth of credit card purchases. In 2001, American credit card debt hovered around $690 billion. Unfortunately, in todays unstable economic ... more...

Anatomy Of A PR Campaign
The message is determined by analyzing the brand being marketed, and doing so with clear vision and self-knowledge. Too many marketing executives rely on their own concept of the brand's identity, and never bother to discover what attributes the public has assigned to a product. Just because ... more...

Real Estate Tip: Escrow Accounts -- Do You Really Need Them?
If you have a mortgage on your property, whether it's for your personal residence or a real estate investment, chances are you have an escrow account. But if you are working on building wealth through real estate, you may want to take a hard look at your escrow account (or accounts, if you own more ... more...

Going Bankrupt in the World
It all starts by defaulting on an obligation: Money owed to creditors or to suppliers is not paid on time, interest payments due on bank loans or on corporate bonds issued to the public are withheld. It may be a temporary problem - or a permanent one.As time goes by, the creditors gear up and ... 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...

FSBOs The Secret of 'After Settlement Escrow' to Solve Problems
Most FSBOs (people who are selling their own homes) are aware of the conventional use of escrow. In this article, we look at ways to use escrow to solve problems.EscrowEscrow means different things in different parts of the country. In California its part and parcel of the settlement process. In ... more...

Do You Need A Company To Consolidate Your Debt?
Once youve made the decision to take action to reduce your personal debt, the next step is a solid debt reduction plan. For some, that plan rests upon using the services of a debt consolidation company. But, do you need a company to consolidate? An important question, one that deserves real ... more...

How to Get Cheap Home Loans with a Bad Credit
Its been years since you made any major improvements to your home and its about time. Your spouse and children are also urging you to give the house a facelift. So, what do you do? Dip into your savings? Great! But thats only if youve enough stashed away in there. Go in for a regular loan? But you ... more...

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