Mortgage Banking Seminar is part of the continuing series of training presentations for the Financial Services Industry. Check out our other presentations in this series and contact Saunders Learning Group if you have training needs. We can help, we have been doing training in the financial services industry for 30 years.
Bonds are considered to be one of the safest mode of investment. Learn the basics of Bonds like what are bonds, how they work? how to invest and many more.
https://quest.finology.in/courses/what-are-bonds
Learn about the Financial Crisis. Its causes, solutions and even ways to take advantage of it are explained in this presentation. For more information visit Foreclosuredeals.com.
Mortgage Banking Seminar is part of the continuing series of training presentations for the Financial Services Industry. Check out our other presentations in this series and contact Saunders Learning Group if you have training needs. We can help, we have been doing training in the financial services industry for 30 years.
Bonds are considered to be one of the safest mode of investment. Learn the basics of Bonds like what are bonds, how they work? how to invest and many more.
https://quest.finology.in/courses/what-are-bonds
Learn about the Financial Crisis. Its causes, solutions and even ways to take advantage of it are explained in this presentation. For more information visit Foreclosuredeals.com.
A mortgage loan is a loan secured by real property through the use of a mortgage note which evidences the existence of the loan and the encumbrance of that realty through the granting of a mortgage which secures the loan. However, the word mortgage alone, in everyday usage, is most often used to mean mortgage loan.
You can use a reverse mortgage and remain the owner of your home. Our reverse mortgage calculator will help you find the right reverse mortgage loan lender.
The Different Types of Fixed-Income SecuritiesBrian Zwerner
Longtime financial executive Brian Zwerner serves as the managing principal of Kensington Blake Capital, LLC, in Atlanta, Georgia. Among his other responsibilities at the firm, Brian Zwerner invests in money market securities and bonds, otherwise known as fixed-income securities.
This presentation provides readers with an introduction to bonds and their many characteristics. Topics discussed such as types of bonds, bond trading, valuing bonds and much more are highlighted in this presentation and can be further discussed on our site www.finpipe.com.
The Loan Agreement is the road map of most loans. Banks and lawyers start out with a Loan Agreement that is usually favorable to the Lender. Some parts of the Loan Agreement may be negotiable. This webinar will discuss the various provisions of a Loan Agreement and how to negotiate the negotiable provisions.
A bond is a (written and signed promise) debt investment in which an investor loans money to an entity (typically corporate or governmental) which borrows the funds for a defined period of time at a variable or fixed interest rate (Coupon Rate).
Lifetime mortgage is a long-term loan secured against the borrower’s property and is repaid when he/she dies or moves to the long-term care. It can be termed as the Flexible mortgage as it maintains financial stability in a pensioner’s life.
This is the presentation deck from Real Estate Investing 101: Financing, PeerRealty's fourth in a series of on-demand educational videos. In this series, PeerRealty Head of Investments Jeff Rothbart takes viewers through the fundamentals of real estate investing, and discusses some of the key metrics that real estate investors should consider. This Financing course analyzes the different types of debt instruments that investors can expect to find in real estate deals. It also discusses common loan agreement provisions, and explains how they can affect your real estate investment.
You can view this webinar at http://resources.peerrealty.com/real-estate-investing-101-financing
A mortgage loan is a loan secured by real property through the use of a mortgage note which evidences the existence of the loan and the encumbrance of that realty through the granting of a mortgage which secures the loan. However, the word mortgage alone, in everyday usage, is most often used to mean mortgage loan.
You can use a reverse mortgage and remain the owner of your home. Our reverse mortgage calculator will help you find the right reverse mortgage loan lender.
The Different Types of Fixed-Income SecuritiesBrian Zwerner
Longtime financial executive Brian Zwerner serves as the managing principal of Kensington Blake Capital, LLC, in Atlanta, Georgia. Among his other responsibilities at the firm, Brian Zwerner invests in money market securities and bonds, otherwise known as fixed-income securities.
This presentation provides readers with an introduction to bonds and their many characteristics. Topics discussed such as types of bonds, bond trading, valuing bonds and much more are highlighted in this presentation and can be further discussed on our site www.finpipe.com.
The Loan Agreement is the road map of most loans. Banks and lawyers start out with a Loan Agreement that is usually favorable to the Lender. Some parts of the Loan Agreement may be negotiable. This webinar will discuss the various provisions of a Loan Agreement and how to negotiate the negotiable provisions.
A bond is a (written and signed promise) debt investment in which an investor loans money to an entity (typically corporate or governmental) which borrows the funds for a defined period of time at a variable or fixed interest rate (Coupon Rate).
Lifetime mortgage is a long-term loan secured against the borrower’s property and is repaid when he/she dies or moves to the long-term care. It can be termed as the Flexible mortgage as it maintains financial stability in a pensioner’s life.
This is the presentation deck from Real Estate Investing 101: Financing, PeerRealty's fourth in a series of on-demand educational videos. In this series, PeerRealty Head of Investments Jeff Rothbart takes viewers through the fundamentals of real estate investing, and discusses some of the key metrics that real estate investors should consider. This Financing course analyzes the different types of debt instruments that investors can expect to find in real estate deals. It also discusses common loan agreement provisions, and explains how they can affect your real estate investment.
You can view this webinar at http://resources.peerrealty.com/real-estate-investing-101-financing
In the process of finalizing a real estate purchase, closing costs are paid. The closing costs are paid by both the buyer and seller to the service providers who assist with the transaction. Buyers typically pay for mortgage insurance, homeowners insurance, appraisal fees, and property taxes, whereas sellers cover ownership transfer fees and pay their real estate agent's commission. Some closing costs are often covered by a buyer's new house seller.
This workshop will help you gain a basic understanding of how the homebuying and home financing process works. So you’ll know what to expect and be better able to make informed decisions.
Everything you need to know about purchasing a home, whether you are a first time home buyer or a repeat buyer - this is a great place to start. Then contact me at lisat@mortgagebrokersottawa.com to get started on your preapproved mortgage...
"Welcome to your path to homeownership with our mortgage loan solutions. Owning a home is a dream for many, and we're here to make it a reality for you. Our mortgage loans offer a secure and affordable way to purchase your dream property or refinance your existing home. With competitive interest rates, flexible repayment options, and personalized guidance, we're committed to helping you find the perfect loan to fit your unique needs. Our experienced team of experts will walk you through the entire process, from application to closing, making your journey to homeownership as smooth as possible. Take the first step towards building equity and creating a place to call your own with our trusted mortgage loan services."
"Welcome to your path to homeownership with our mortgage loan solutions. Owning a home is a dream for many, and we're here to make it a reality for you. Our mortgage loans offer a secure and affordable way to purchase your dream property or refinance your existing home. With competitive interest rates, flexible repayment options, and personalized guidance, we're committed to helping you find the perfect loan to fit your unique needs. Our experienced team of experts will walk you through the entire process, from application to closing, making your journey to homeownership as smooth as possible. Take the first step towards building equity and creating a place to call your own with our trusted mortgage loan services."
Read| The latest issue of The Challenger is here! We are thrilled to announce that our school paper has qualified for the NATIONAL SCHOOLS PRESS CONFERENCE (NSPC) 2024. Thank you for your unwavering support and trust. Dive into the stories that made us stand out!
2024.06.01 Introducing a competency framework for languag learning materials ...Sandy Millin
http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
This webinar will introduce you to my framework, highlighting the key competencies I identified from my research. It will also show how anybody involved in language teaching (any language, not just English!), teacher training, managing schools or developing language learning materials can benefit from using the framework.
Safalta Digital marketing institute in Noida, provide complete applications that encompass a huge range of virtual advertising and marketing additives, which includes search engine optimization, virtual communication advertising, pay-per-click on marketing, content material advertising, internet analytics, and greater. These university courses are designed for students who possess a comprehensive understanding of virtual marketing strategies and attributes.Safalta Digital Marketing Institute in Noida is a first choice for young individuals or students who are looking to start their careers in the field of digital advertising. The institute gives specialized courses designed and certification.
for beginners, providing thorough training in areas such as SEO, digital communication marketing, and PPC training in Noida. After finishing the program, students receive the certifications recognised by top different universitie, setting a strong foundation for a successful career in digital marketing.
June 3, 2024 Anti-Semitism Letter Sent to MIT President Kornbluth and MIT Cor...Levi Shapiro
Letter from the Congress of the United States regarding Anti-Semitism sent June 3rd to MIT President Sally Kornbluth, MIT Corp Chair, Mark Gorenberg
Dear Dr. Kornbluth and Mr. Gorenberg,
The US House of Representatives is deeply concerned by ongoing and pervasive acts of antisemitic
harassment and intimidation at the Massachusetts Institute of Technology (MIT). Failing to act decisively to ensure a safe learning environment for all students would be a grave dereliction of your responsibilities as President of MIT and Chair of the MIT Corporation.
This Congress will not stand idly by and allow an environment hostile to Jewish students to persist. The House believes that your institution is in violation of Title VI of the Civil Rights Act, and the inability or
unwillingness to rectify this violation through action requires accountability.
Postsecondary education is a unique opportunity for students to learn and have their ideas and beliefs challenged. However, universities receiving hundreds of millions of federal funds annually have denied
students that opportunity and have been hijacked to become venues for the promotion of terrorism, antisemitic harassment and intimidation, unlawful encampments, and in some cases, assaults and riots.
The House of Representatives will not countenance the use of federal funds to indoctrinate students into hateful, antisemitic, anti-American supporters of terrorism. Investigations into campus antisemitism by the Committee on Education and the Workforce and the Committee on Ways and Means have been expanded into a Congress-wide probe across all relevant jurisdictions to address this national crisis. The undersigned Committees will conduct oversight into the use of federal funds at MIT and its learning environment under authorities granted to each Committee.
• The Committee on Education and the Workforce has been investigating your institution since December 7, 2023. The Committee has broad jurisdiction over postsecondary education, including its compliance with Title VI of the Civil Rights Act, campus safety concerns over disruptions to the learning environment, and the awarding of federal student aid under the Higher Education Act.
• The Committee on Oversight and Accountability is investigating the sources of funding and other support flowing to groups espousing pro-Hamas propaganda and engaged in antisemitic harassment and intimidation of students. The Committee on Oversight and Accountability is the principal oversight committee of the US House of Representatives and has broad authority to investigate “any matter” at “any time” under House Rule X.
• The Committee on Ways and Means has been investigating several universities since November 15, 2023, when the Committee held a hearing entitled From Ivory Towers to Dark Corners: Investigating the Nexus Between Antisemitism, Tax-Exempt Universities, and Terror Financing. The Committee followed the hearing with letters to those institutions on January 10, 202
Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdfTechSoup
In this webinar you will learn how your organization can access TechSoup's wide variety of product discount and donation programs. From hardware to software, we'll give you a tour of the tools available to help your nonprofit with productivity, collaboration, financial management, donor tracking, security, and more.
Acetabularia Information For Class 9 .docxvaibhavrinwa19
Acetabularia acetabulum is a single-celled green alga that in its vegetative state is morphologically differentiated into a basal rhizoid and an axially elongated stalk, which bears whorls of branching hairs. The single diploid nucleus resides in the rhizoid.
Operation “Blue Star” is the only event in the history of Independent India where the state went into war with its own people. Even after about 40 years it is not clear if it was culmination of states anger over people of the region, a political game of power or start of dictatorial chapter in the democratic setup.
The people of Punjab felt alienated from main stream due to denial of their just demands during a long democratic struggle since independence. As it happen all over the word, it led to militant struggle with great loss of lives of military, police and civilian personnel. Killing of Indira Gandhi and massacre of innocent Sikhs in Delhi and other India cities was also associated with this movement.
Macroeconomics- Movie Location
This will be used as part of your Personal Professional Portfolio once graded.
Objective:
Prepare a presentation or a paper using research, basic comparative analysis, data organization and application of economic information. You will make an informed assessment of an economic climate outside of the United States to accomplish an entertainment industry objective.
Embracing GenAI - A Strategic ImperativePeter Windle
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
Chapter 3 - Islamic Banking Products and Services.pptx
Introduction to Mortgage and It's Parameters
1.
2. lender over time, typically in a
series of regular payments that are divided into principal and
interest
3. • A legal agreement by which a bank, building society, etc. lends
money at interest in exchange for taking title of the debtor's
property, with the condition that the conveyance of title
becomes void upon the payment of the debt.
• A borrower must apply for a mortgage through their preferred
lender and ensure they meet several requirements, including
minimum credit scores and down payments. Mortgage
applications go through a rigorous underwriting process
before they reach the closing phase.
5. •The Mortgage/Loan balance is what you have left to pay on the
mortgage
•The Home Equity is what you have already paid left to pay on the
mortgage’
6. For example, if your home is worth $150,000 and the principal balance
remaining on your mortgage is $50,000, then your home equity – the part of
your home that you own free and clear – is $100,000
In the simplest terms, your
home’s equity is the difference
between how much your home is
worth and how much you owe on
your mortgage
7. (1980)
CMV: 100,000- MB: 90,000 = Equity: 10,000
(2006)
CMV: 200,000- MB: 30,000 = Equity: 170,000
The 100,000 increase in equity was due to an increase in the CMV.
8. CMV: 250,000 - MB: 230,000 = Equity: 20,000
CMV: 200,000- MB: 250,000 = Negative Equity: -
50,000
THE CMV OF A HOUSE CAN DECREASE DUE TO
CERTAIN REASONS, SUCH AS AN EARTHQUAKES,
FLOODS, HURRICANES IN THE AREA.
SINCE WE ARE CALLING ON BEHALF OF LENDERS, WE
CANNOT HELP A PERSON WHO HAS NEGATIVE EQUITY
BECAUSE THERE ISN’T A COLLATERAL FOR THE LOAN.
10. AN APPRAISAL IS THE BEST WAY TO
ESTIMATE YOUR PROPERTY'S FAIR
MARKET VALUE BASED ON THE
LOCATION, CONDITION AND RECENT
SALES OF SIMILAR HOMES IN THE
SURROUNDING AREA
BEYOND AN ESTIMATE OF HOW MUCH
YOUR PROPERTY IS WORTH, AN
APPRAISAL ALSO INDICATES THE
AMOUNT A LENDER WILL LET YOU
BORROW FOR A PROPERTY
11. The fee charged for borrowing money
the amount charged on top of the
principal by a lender to a borrower for the use of assets
12. A fixed-rate mortgage is a mortgage loan
where the interest rate on the note
remains the same through the term of the
loanType
13. 3/1 ARM
Your interest rate is set for 3 years then adjusts annually for 27 years
5/1 ARM
Your interest rate is set for 5 years then adjusts annually for 25 years
7/1 ARM
Your interest rate is set for 7 years then adjusts annually for 23 years
10/1 ARM
Your interest rate is set for 10 years then adjusts annually for 20 years
16. VA Loan (Veteran’s Administration)
A VA loan is a mortgage loan available through a program established by the U.S. Department of
Veterans Affairs (VA) (previously the Veterans Administration). With VA loans, customers can get
homes with little to no down payment and no private mortgage insurance and generally get a
competitive interest rate
17.
18. The combined loan-to-value (CLTV) ratio is the
ratio of all secured loans on a property to the value
of a property. This includes not only the primary
mortgage used in LTV but also any second
mortgages, home equity loans or lines of credit, or
other liens
19. Calculating
LTV
An LTV ratio is calculated by dividing the amount borrowed by
the market value of the property, expressed as a percentage. For
example, if you buy a home appraised at $100,000 for its appraised
value, and make a $10,000 down payment, you will borrow $90,000. This
results in an LTV ratio of 90% (i.e., 90,000/100,000).
20. A Loan against the Equity
in the house is a Home
Equity Loan.
It is also called A Second
Mortgage.
It has a higher interest rate
then the first mortgage. A secured line of credit
based on the equity in the
home. “Like a credit card”
that uses your home as
collateral.
21. S.Loan Car E-
Bill
U.Loan H.Loan
40
30
20
10
0
1.Payment History
2.Amount Owed
3.Length of credit history
4.New credit
5.Types of credit in use
Paying off existing debt will improve your credit
score
24. Manufactured housing is a
type of prefabricated
housing that is largely
assembled in factories and
then transported to sites of
use which indicates mobility
25.
26. A disability is any condition of the body or
mind (impairment) that makes it more difficult
for the person with the condition to do certain
activities (activity limitation) and interact with
the world around them (participation
restrictions
27. self-employed individuals, new
immigrants, or temporary worker
In order to qualify for a mortgage, borrowers are normally required to submit proof of income. This
includes providing lenders with W2s, pay stubs, employment letters, and/or recent tax returns. Lenders
want to see that borrowers are able to afford payments on the loan by proving they have a stable and
reliable source(s) of income. This is, of course, in addition to other factors such as a down payment and
a suitable credit score
28. PMI can be
removed once a
borrower pays
down enough of
the mortgage's
principal
PMI can be a costly
necessity for
homebuyers who don't
have enough money
saved for a 20% down
payment overall
mortgage payment to
the lender,
PMI is usually paid
monthly as part of
the
When you apply for a mortgage, the lender will typically require a down
payment equal to 20% of the home's purchase price. If a borrower can't
afford that amount, a lender will likely look at the loan as a riskier
investment and require that the homebuyer take out PMI, also known as
private mortgage insurance, as part of getting a mortgage