1) Getting a mortgage today requires more documentation and scrutiny of finances than in the past when lending standards were more lax.
2) There is a perception that the "dream of homeownership" is no longer attainable due to these stricter standards, but the reality is that standards were made looser in the past, contributing to the financial crisis.
3) While the process is more difficult now, interest rates remain low, so the tradeoff is that homeowners will save money in the long run through lower rates even if qualifying requires more disclosure and verification of finances upfront.
This is an Ignite talk I did for the very first Ignite Seattle back in 2006. The video of this talk is here: http://blip.tv/ignite-seattle/ignite-seattle-2006-12-07-2-7-stuart-maxwell-119484
- The article discusses an interview with Will Wright, creator of the popular video game The Sims, about the new sequel The Sims 2.
- In The Sims 2, the characters now age and have memories from experiences. They have goals and desires that drive their actions in the game.
- Wright notes that playing The Sims can reveal how kind or cruel a person is willing to be as the omnipotent god over the digital characters. The game also raises questions about ethics and balancing different sims' aspirations.
- Some players report stopping playing when they realize they are taking better care of their sims than themselves, seeing the game as a creepy model of real life.
La Unión Europea ha propuesto un nuevo paquete de sanciones contra Rusia que incluye un embargo al petróleo ruso. El embargo se aplicaría gradualmente durante seis meses para el petróleo crudo y ocho meses para los productos refinados. El objetivo es aumentar la presión sobre Rusia para que ponga fin a su invasión de Ucrania.
La red ARPANET se estableció en 1969 entre universidades de California y Utah, marcando el inicio de Internet. En los años 70 se desarrollaron los estándares y protocolos TCP/IP y el correo electrónico. ARPANET adoptó TCP/IP en 1982 y se separó de la red militar en 1983, considerándose el nacimiento de Internet. En la década de 1990 aumentó el número de usuarios y se desarrolló la World Wide Web.
María Magdalena descubrió que la piedra había sido removida de la tumba de Jesús y le informó a los discípulos Pedro y Juan. Los dos discípulos corrieron a la tumba, donde Juan llegó primero pero no entró, mientras que Pedro entró y vio las vendas y sudario pero Jesús no estaba. Juan también entró y creyó que Jesús había resucitado tal como las Escrituras lo habían profetizado.
This document contains 5 views of an object: top view, side view, front view, back view, and isometric view. Each view provides a different perspective of the object to fully illustrate its shape and dimensions. Together, these multiple views give a complete picture of the 3D object from different angles.
The document appears to contain random words and phrases that do not form a coherent story or provide essential information. It is difficult to generate a meaningful summary with only 3 sentences or less based on the unconnected terms listed.
This is an Ignite talk I did for the very first Ignite Seattle back in 2006. The video of this talk is here: http://blip.tv/ignite-seattle/ignite-seattle-2006-12-07-2-7-stuart-maxwell-119484
- The article discusses an interview with Will Wright, creator of the popular video game The Sims, about the new sequel The Sims 2.
- In The Sims 2, the characters now age and have memories from experiences. They have goals and desires that drive their actions in the game.
- Wright notes that playing The Sims can reveal how kind or cruel a person is willing to be as the omnipotent god over the digital characters. The game also raises questions about ethics and balancing different sims' aspirations.
- Some players report stopping playing when they realize they are taking better care of their sims than themselves, seeing the game as a creepy model of real life.
La Unión Europea ha propuesto un nuevo paquete de sanciones contra Rusia que incluye un embargo al petróleo ruso. El embargo se aplicaría gradualmente durante seis meses para el petróleo crudo y ocho meses para los productos refinados. El objetivo es aumentar la presión sobre Rusia para que ponga fin a su invasión de Ucrania.
La red ARPANET se estableció en 1969 entre universidades de California y Utah, marcando el inicio de Internet. En los años 70 se desarrollaron los estándares y protocolos TCP/IP y el correo electrónico. ARPANET adoptó TCP/IP en 1982 y se separó de la red militar en 1983, considerándose el nacimiento de Internet. En la década de 1990 aumentó el número de usuarios y se desarrolló la World Wide Web.
María Magdalena descubrió que la piedra había sido removida de la tumba de Jesús y le informó a los discípulos Pedro y Juan. Los dos discípulos corrieron a la tumba, donde Juan llegó primero pero no entró, mientras que Pedro entró y vio las vendas y sudario pero Jesús no estaba. Juan también entró y creyó que Jesús había resucitado tal como las Escrituras lo habían profetizado.
This document contains 5 views of an object: top view, side view, front view, back view, and isometric view. Each view provides a different perspective of the object to fully illustrate its shape and dimensions. Together, these multiple views give a complete picture of the 3D object from different angles.
The document appears to contain random words and phrases that do not form a coherent story or provide essential information. It is difficult to generate a meaningful summary with only 3 sentences or less based on the unconnected terms listed.
The document provides tips for incorporating contrast into songs to make each section stand out. It discusses using contrast melodically by varying the melody range between sections, rhythmically by changing rhythmic patterns, and harmonically by altering chord progressions. Lyrical contrast can be achieved by modifying rhyme patterns and sounds, rhythm of the words, and pronoun emphasis between sections. The overall message is that incorporating at least one type of musical contrast and one type of lyrical contrast can keep a song interesting.
Usaha dan energi sangat penting untuk meraih kesuksesan. Dengan kerja keras serta tekad yang kuat, kita dapat mewujudkan impian dan cita-cita. Semangat juang yang tinggi akan memandu langkah kita menuju pencapaian tujuan.
La Secretaría de Educación y Cultura ofrece actividades para practicar el idioma inglés, incluyendo una actividad para colorear, cortar y pegar animales del estado de Coahuila en sus formas correspondientes como el águila en el círculo y la víbora de cascabel en el triángulo.
Este documento define y describe varios tipos de malware comunes, incluidos keyloggers, adware, browser hijacking, phishing scams, virus, gusanos, troyanos y hoaxes. Explica que el malware tiene como objetivo infiltrarse o dañar una computadora sin el consentimiento del propietario y puede utilizarse para robar información personal o tomar el control de un sistema.
El documento describe al arquitecto japonés Tadao Ando y su estilo minimalista. Ando se dedicó a la arquitectura de manera autodidacta y se vio influenciado por la cultura japonesa tradicional y arquitectura. Sus obras combinan formas geométricas simples y el uso de la luz y materiales como el hormigón para crear espacios trascendentes. Ando busca integrar los edificios en su entorno natural de una manera minimalista.
This very short document does not contain any substantive information to summarize in 3 sentences or less. It only provides a date and time that the document was downloaded, as well as the name and Facebook URL of the downloader, but reveals no other meaningful details about the document's content.
This document discusses how priorities in America have changed over time. It uses examples from the author's childhood, such as spending summers at a country club, to illustrate shifting priorities. The document then discusses issues like rising government debt and overspending. It argues that addressing fiscal problems requires making difficult choices and having priorities in order. The author laments how things like American cars and innovation do not seem to be priorities anymore. Overall, the document suggests America's priorities have shifted away from fiscal responsibility and innovation towards short-term spending and consumption.
This document provides information about Andrew Wiley, an automotive expert who helps individuals find and finance vehicles. It discusses mistakes on credit reports and how to get a free report to check for errors. It offers to help review credit reports and disputes for free. It also provides a $150 referral reward for any successful vehicle purchases referred through Andrew.
The document summarizes changes in personnel at two top Indycar racing teams, Target Chip Ganassi Racing and Newman Haas Racing, for the upcoming season. It discusses former stars leaving each team and being replaced by new drivers, such as Nicholas Richardson and Scott Moore joining Target Chip Ganassi, and Karan Karayi replacing Tom Hartley at Newman Haas Racing. While the teams and personnel have changed, the article suggests the two teams will likely remain dominant as the top organizations in Indycar racing.
The document provides instructions for requesting and receiving writing assistance from HelpWriting.net. It outlines a 5-step process: 1) Create an account with a password and email. 2) Complete a 10-minute order form providing instructions, sources, and deadline. 3) Review bids from writers and choose one. 4) Review the completed paper and authorize payment. 5) Request revisions until satisfied. It emphasizes that original, high-quality content is guaranteed or a full refund will be provided.
Dean Vlamis Market News: December 2012 NewsletterDEAN VLAMIS
Ok, so back to interest rates and the economy.
What will change? Nothing. Congress
and the Senate will refuse to make
any hard choices regarding government
spending, and push the Federal Reserve
to continue to buy US Treasuries, print
money and keep interest rates low. So, if
you are reading this and have not looked
into refi nancing, please call me as rates
continue to stay near historic lows.
Th e good news about America is that its
people have always been resilient and have
found a way to distinguish ourselves from
the world and create a better future.
How To Writing Essay. Online assignment writing service.Shannon Joy
Raymond Carver's short story "Cathedral" explores the difference between merely looking at someone and truly seeing them. The narrator is prejudiced against his wife's blind friend and makes assumptions about him based on stereotypes. During the visit, the blind man teaches the narrator how to draw a cathedral by having him close his eyes and use his other senses. This experience allows the narrator to get past surface-level appearances and truly see the man in a new light.
The document discusses differences between the novel "April Morning" by Howard Fast and its film adaptation. Some key differences are:
1. The film leaves out or changes some characters from the novel.
2. Scenes are left out or added in the film version.
3. Character depictions differ, such as the character Chandler being portrayed differently in the novel versus the film.
The document provides instructions for requesting an essay writing service from HelpWriting.net in 5 steps:
1. Create an account with a password and email.
2. Complete a 10-minute order form providing instructions, sources, deadline, and attaching a sample work.
3. Review bids from writers and choose one based on qualifications and feedback.
4. Review the completed paper and authorize payment if satisfied.
5. Request revisions to ensure satisfaction, with a refund offered for plagiarized work.
Digitally Transforming the Mortgage Banking Industrynataliastyles717
Mr. Deitch is co-founder and Chief Executive Officer of Teraverde. Previously, he was a co-founder, Chief Executive Officer, and Director of the American Home Bank division of First National Bank of Chester County. Under his leadership, American Home Bank was named one of the fastest growing private companies in the United States by Inc. Magazine and a top 50 national residential lender by American Banker and National Mortgage News. Mr. Deitch has served on the Board of publicly traded and privately held banks and non-bank companies. He was Chairman, CEO, and co-founder of Keystone National Bank and Keystone Financial Mortgage Corporation, and Executive Vice President of Keystone Financial, Inc.
Mr. Deitch also served as Chief Credit Policy Officer of Keystone Financial Bank. Prior to Keystone, Mr. Deitch was President, CEO, and a director of Parent Federal Savings Bank throughout Parent Federal’s acquisition by PNC Bank. Mr. Deitch received OCC and Federal Reserve consents to serve as an executive officer and director of troubled banks and bank holding companies, and he has successfully remediated four troubled banks. He has excellent working relationships with state and federal regulators. An active speaker, Mr. Deitch has published numerous articles on the financial services industry and often is quoted in the industry press.
HIDDEN SECRETS ON HOW TO BUILD WEALTH LITTLE KNOWNjohnmakau14
Wealth DNA Code is a genuine product that provides actual results...
The offer is something completely different your traffic can’t get enough of, because it uses a new angle, never tried before in the niche.
The document discusses the importance of heroism through references to ancient heroes like Gilgamesh and Odysseus as well as modern heroes. It states that heroism requires courage to do good even when it is difficult. True heroes are willing to die at any moment and do not seek recognition or rewards, instead focusing on helping others. Both ancient and modern heroes displayed strength in facing bullies and temptations without backing down or selling out.
The document provides tips for incorporating contrast into songs to make each section stand out. It discusses using contrast melodically by varying the melody range between sections, rhythmically by changing rhythmic patterns, and harmonically by altering chord progressions. Lyrical contrast can be achieved by modifying rhyme patterns and sounds, rhythm of the words, and pronoun emphasis between sections. The overall message is that incorporating at least one type of musical contrast and one type of lyrical contrast can keep a song interesting.
Usaha dan energi sangat penting untuk meraih kesuksesan. Dengan kerja keras serta tekad yang kuat, kita dapat mewujudkan impian dan cita-cita. Semangat juang yang tinggi akan memandu langkah kita menuju pencapaian tujuan.
La Secretaría de Educación y Cultura ofrece actividades para practicar el idioma inglés, incluyendo una actividad para colorear, cortar y pegar animales del estado de Coahuila en sus formas correspondientes como el águila en el círculo y la víbora de cascabel en el triángulo.
Este documento define y describe varios tipos de malware comunes, incluidos keyloggers, adware, browser hijacking, phishing scams, virus, gusanos, troyanos y hoaxes. Explica que el malware tiene como objetivo infiltrarse o dañar una computadora sin el consentimiento del propietario y puede utilizarse para robar información personal o tomar el control de un sistema.
El documento describe al arquitecto japonés Tadao Ando y su estilo minimalista. Ando se dedicó a la arquitectura de manera autodidacta y se vio influenciado por la cultura japonesa tradicional y arquitectura. Sus obras combinan formas geométricas simples y el uso de la luz y materiales como el hormigón para crear espacios trascendentes. Ando busca integrar los edificios en su entorno natural de una manera minimalista.
This very short document does not contain any substantive information to summarize in 3 sentences or less. It only provides a date and time that the document was downloaded, as well as the name and Facebook URL of the downloader, but reveals no other meaningful details about the document's content.
This document discusses how priorities in America have changed over time. It uses examples from the author's childhood, such as spending summers at a country club, to illustrate shifting priorities. The document then discusses issues like rising government debt and overspending. It argues that addressing fiscal problems requires making difficult choices and having priorities in order. The author laments how things like American cars and innovation do not seem to be priorities anymore. Overall, the document suggests America's priorities have shifted away from fiscal responsibility and innovation towards short-term spending and consumption.
This document provides information about Andrew Wiley, an automotive expert who helps individuals find and finance vehicles. It discusses mistakes on credit reports and how to get a free report to check for errors. It offers to help review credit reports and disputes for free. It also provides a $150 referral reward for any successful vehicle purchases referred through Andrew.
The document summarizes changes in personnel at two top Indycar racing teams, Target Chip Ganassi Racing and Newman Haas Racing, for the upcoming season. It discusses former stars leaving each team and being replaced by new drivers, such as Nicholas Richardson and Scott Moore joining Target Chip Ganassi, and Karan Karayi replacing Tom Hartley at Newman Haas Racing. While the teams and personnel have changed, the article suggests the two teams will likely remain dominant as the top organizations in Indycar racing.
The document provides instructions for requesting and receiving writing assistance from HelpWriting.net. It outlines a 5-step process: 1) Create an account with a password and email. 2) Complete a 10-minute order form providing instructions, sources, and deadline. 3) Review bids from writers and choose one. 4) Review the completed paper and authorize payment. 5) Request revisions until satisfied. It emphasizes that original, high-quality content is guaranteed or a full refund will be provided.
Dean Vlamis Market News: December 2012 NewsletterDEAN VLAMIS
Ok, so back to interest rates and the economy.
What will change? Nothing. Congress
and the Senate will refuse to make
any hard choices regarding government
spending, and push the Federal Reserve
to continue to buy US Treasuries, print
money and keep interest rates low. So, if
you are reading this and have not looked
into refi nancing, please call me as rates
continue to stay near historic lows.
Th e good news about America is that its
people have always been resilient and have
found a way to distinguish ourselves from
the world and create a better future.
How To Writing Essay. Online assignment writing service.Shannon Joy
Raymond Carver's short story "Cathedral" explores the difference between merely looking at someone and truly seeing them. The narrator is prejudiced against his wife's blind friend and makes assumptions about him based on stereotypes. During the visit, the blind man teaches the narrator how to draw a cathedral by having him close his eyes and use his other senses. This experience allows the narrator to get past surface-level appearances and truly see the man in a new light.
The document discusses differences between the novel "April Morning" by Howard Fast and its film adaptation. Some key differences are:
1. The film leaves out or changes some characters from the novel.
2. Scenes are left out or added in the film version.
3. Character depictions differ, such as the character Chandler being portrayed differently in the novel versus the film.
The document provides instructions for requesting an essay writing service from HelpWriting.net in 5 steps:
1. Create an account with a password and email.
2. Complete a 10-minute order form providing instructions, sources, deadline, and attaching a sample work.
3. Review bids from writers and choose one based on qualifications and feedback.
4. Review the completed paper and authorize payment if satisfied.
5. Request revisions to ensure satisfaction, with a refund offered for plagiarized work.
Digitally Transforming the Mortgage Banking Industrynataliastyles717
Mr. Deitch is co-founder and Chief Executive Officer of Teraverde. Previously, he was a co-founder, Chief Executive Officer, and Director of the American Home Bank division of First National Bank of Chester County. Under his leadership, American Home Bank was named one of the fastest growing private companies in the United States by Inc. Magazine and a top 50 national residential lender by American Banker and National Mortgage News. Mr. Deitch has served on the Board of publicly traded and privately held banks and non-bank companies. He was Chairman, CEO, and co-founder of Keystone National Bank and Keystone Financial Mortgage Corporation, and Executive Vice President of Keystone Financial, Inc.
Mr. Deitch also served as Chief Credit Policy Officer of Keystone Financial Bank. Prior to Keystone, Mr. Deitch was President, CEO, and a director of Parent Federal Savings Bank throughout Parent Federal’s acquisition by PNC Bank. Mr. Deitch received OCC and Federal Reserve consents to serve as an executive officer and director of troubled banks and bank holding companies, and he has successfully remediated four troubled banks. He has excellent working relationships with state and federal regulators. An active speaker, Mr. Deitch has published numerous articles on the financial services industry and often is quoted in the industry press.
HIDDEN SECRETS ON HOW TO BUILD WEALTH LITTLE KNOWNjohnmakau14
Wealth DNA Code is a genuine product that provides actual results...
The offer is something completely different your traffic can’t get enough of, because it uses a new angle, never tried before in the niche.
The document discusses the importance of heroism through references to ancient heroes like Gilgamesh and Odysseus as well as modern heroes. It states that heroism requires courage to do good even when it is difficult. True heroes are willing to die at any moment and do not seek recognition or rewards, instead focusing on helping others. Both ancient and modern heroes displayed strength in facing bullies and temptations without backing down or selling out.
1. deanvlamis
MARKET NEWS
2936 W. Belmont Avenue Chicago 60618
773.612.2666 | dean@perlmortgage.com
www.deanvlamis.com
True or false: it is harder to get a mortgage enough. In fact, big banks like Chase and reality is good or not is a different issue.
today than it is to actually get a girlfriend CitiMortgage were sued by the Federal Sometimes it is good to live in your
as a freshman in high school. (Answer government for not “lending enough” in illusions or innocence. Facing reality can
later.) certain areas. be a tough thing.
This is actually a legitimate question, and Now of course these same intellectual Here we go…
from my end I hear a lot of frustration elitists, who refuse to live by the same rules
from clients going through the process. that they impose on us, are demonizing and The Harlem Globetrotters come to mind.
Yes, it is much more difficult to get a actually suing banks, mortgage companies As a child we used to adore them and were
loan these days, and requires a lot more and lenders for their reckless and unethical amazed at their incredible talent. I mean,
documentation. On top of this, everything practices of lending to people who could they could play a ball game, goof around,
in the file is scrutinized like it never not afford their homes. Their term for this mock the other team and still pull off the
has been before. I can understand this is “predatory lending.” win! Amazing, right? I remember watching
frustration. For the past thirty years the them on ABC’s Wide World of Sports
higher-ups in government – you know, the If you can see a bit of contradiction and with my friends; laughing hysterically at
people who are so smart that they tell us hypocrisy in this, well, welcome to the real their antics. Meadowlark Lemon would
how to live our lives, but actually do not world. pull pranks on the referee while Curly
live by the same rules that they impose on Neal would dribble the ball endlessly
us – have claimed that home ownership is So, it appears that the illusion of home without being touched. True Masters.
the dream and right of every American… ownership is not what it used to be; that On many occasions I would find myself
or for that matter anyone who happens to the dream is gone. nervous near the end of the game as the
live in this country. Washington Generals would be making
This really isn’t the case. Basically, we have their run. I would think that they would
They wanted to make this a reality so been hit with a dose of reality. Whether have to win at least one game, they were
badly that they created laws, guidelines
and parameters that made it easy for
almost anyone to get a mortgage and buy
a home.
• Debt ratios in order to determine
if a borrower can pay back a loan – Ahh
let’s expand those, or get rid of them
altogether.
• Verify someone’s income –
Nuisance, don’t need it.
• How about at least verify they
have money for a down payment? – Get
rid of that, too.
• Before you ask, let’s just get rid
of the down payment altogether.
• Let’s just make this easy – Sign
here please.
These very same people who instituted
these guidelines (you know, the ones
who are smarter than everyone else)
during this “heyday” of our industry
would constantly harass large banks and
mortgage companies for not lending
The best there ever was?
www.deanvlamis.com | www.perlmortgage.com
2. Dean Vlamis | 773.612.2666 page 2
due! But no, the Globetrotters found a way and well into my senior year in college I There are also those naysayers, the spoilers.
to win and remain undefeated. proudly and stubbornly sported this look. The young kids in 1st grade who claim
(This one was a tough one to learn.) there was no Santa Claus.
The NBA; who needed that when the
Globetrotter’s were the best team in the Some people (me) just learn things the hard Even today we have people claiming that
world? way. Bono from U2 sported the ponytail professional wrestling is fake. Now, I used
look in the late 80’s. So I was about ten to go to these events for years, and when
Do you remember Flipper the dolphin? years late on this, I though it looked good! you have seen Andre the Giant body slam
The greatest shark killer of all! For that But hey, I started the new decade up on someone then you will know this is legit.
matter, all dolphins can kill all sharks and things.
dolphins were as smart as people!!! So, has the illusion of home ownership
been shattered? Not at all; in today’s world,
We all liked fast cars when we were younger if you are looking to borrow money for a
and no one was faster than Speed Racer’s home the bank simply wants you to prove
Mach 5. But in reality we all found Speed a you have the ability to pay it back. You
bit whiney and annoying to say the least. have to keep in mind that the banks are
getting scrutinized by those very smart
But back to fast cars. Since Speed Racer people who refuse to live by the standards
was a cartoon we knew it wasn’t real. But imposed on the real world, and trying
Herbie the Love Bug from the Disney to satisfy them is often a double edged
movies was a real car, a Volkswagen Beetle, It was tough giving this up. sword. Therefore, moving forward, they
and in Herbie Rides Again he annihilated are scrutinizing everything so that all loans
in their portfolio can be accounted for.
The good thing is that interest rates are
still near historic lows, so you may have to
go through a process where full disclosure
is required, but in the long run you will be
saving a lot of money.
So, is it harder to get a mortgage these
days than to get a girlfriend as a freshman
in high school? It depends. In high school,
you could always use the excuse that your
girlfriend “lives in Wisconsin,” you know,
just to save face. (Honest, I never claimed
this!)
But yes, that was another shattered illusion
as I entered my teen years…
No car was faster!
the competition and in our minds was the
fastest car on the street. So in everyday
life whenever we would see a Beetle on
the street, we were in awe at its mighty
potential.
When the sitcom Happy Days hit the
airwaves, there was no one cooler than
Fonzie. (The rumor that I had my Fonzie
poster well into high school is simply not
true!) Back in 4th grade we all believed that
he did indeed have over 100 girlfriends as
he claimed. What hurt so much about this
is that I truly believed this was normal and
that when my teen years were to come I
too would easily achieve this feat.
This “innocence” did not just happen in
my youth. I was convinced back in the day
that the mullet haircut was here to stay, So I was a bit late to this one.
www.deanvlamis.com | www.perlmortgage.com
Illinois Residential Mortgage Licensee MB0004358 and Equal Housing Lender. Licensed by Department of Corporations under the California Residential Mortgage Lending Act. NMLS #19186,
194442 (IL, MI, WI), 31.0007455 (IL), 16882 (IN).