Homebuyer seminar - Everything you need to know to purchase your homefvcollins
This document provides information about a first time homebuyers seminar. It covers topics like why buy a home, being ready to buy, types of homes, understanding loans and financing options, the home buying process, and closing on a home purchase. The seminar is intended to help first time buyers understand what is involved in purchasing a home and make it an easy and affordable process.
Boomeon is a social network created for Baby Boomers that allows them to connect, share content, and join interest groups. It has over 10,000 members since launching in 2014. Boomeon also publishes original content on topics relevant to Baby Boomers and plans to expand into retirement community listings and a dating feature. The founders are seeking $600,000 in funding to grow the platform and develop new services for an underserved demographic of 65 million Baby Boomers in the US.
Homebuying seminar for realtors to useheatherjs821
This homebuying seminar provides information to help families make the right decision for homeownership. It discusses the benefits of owning over renting, getting pre-approved for a loan, choosing a realtor, making an offer, and completing the closing process. Resources are also included to help with the homebuying process.
1. The document provides information for first time home buyers on the steps involved in purchasing a home, including obtaining mortgage approval, finding a home, making an offer, negotiations, inspections, appraisal, title work, and closing.
2. It discusses the advantages of home ownership, defining search criteria for finding a home, tips for working with a realtor, the mortgage qualification and approval process, and requirements for condo/HOA purchases.
3. The key steps are outlined as obtaining mortgage pre-approval, working with a realtor to find a suitable home, making an initial offer, potentially negotiating terms, completing inspections and appraisal, handling title work, and finalizing the purchase at closing
This document provides an overview of personal credit and credit scores. It defines credit as borrowing money that must be repaid over time, with interest. The benefits of credit include purchasing power and establishing a credit history, while risks include debt, fees, and damage to one's credit if not repaid. The "four C's" that lenders evaluate are credit history, collateral, capacity to repay, and current conditions. It also discusses credit reports, credit scores, responsible credit management, and why maintaining good credit is important.
Jennifer Kirk is a real estate agent with Windermere Real Estate. Windermere is a large real estate firm with over 300 offices and 7,000 agents throughout the Western US and Mexico. As a Windermere agent, Jennifer can provide full-service real estate services and draw on Windermere's extensive network. She is knowledgeable about the local area and real estate processes. Jennifer is dedicated to helping buyers and sellers in their real estate needs.
Are you looking to enhance the client intake processes at your firm?
By automating repetitive tasks and streamlining communication channels, you can efficiently manage client inquiries, provide timely responses, and create a smooth experience for potential clients.
Join us for a live product walkthrough with Clio's product experts, Aamnah Izhar and Alice Wang, as they showcase how to:
Leverage text messaging and automated emails for seamless communication
Streamline and log communications for efficient tracking
Integrate Clio Grow with MailChimp to optimize client engagement
Plus, you'll learn how to unlock the full power of Clio, and achieve seamless firm management, by syncing Clio Grow and Clio Manage.
Cindee Stone has over 15 years of experience helping people achieve homeownership through her mortgage lending expertise. She founded People Want Info to educate homebuyers on the loan process and stresses the importance of pre-approval to feel comfortable throughout the process. With her positive attitude and focus on clients, Cindee has achieved success in the mortgage industry by ensuring the best outcomes for each individual borrower.
Homebuyer seminar - Everything you need to know to purchase your homefvcollins
This document provides information about a first time homebuyers seminar. It covers topics like why buy a home, being ready to buy, types of homes, understanding loans and financing options, the home buying process, and closing on a home purchase. The seminar is intended to help first time buyers understand what is involved in purchasing a home and make it an easy and affordable process.
Boomeon is a social network created for Baby Boomers that allows them to connect, share content, and join interest groups. It has over 10,000 members since launching in 2014. Boomeon also publishes original content on topics relevant to Baby Boomers and plans to expand into retirement community listings and a dating feature. The founders are seeking $600,000 in funding to grow the platform and develop new services for an underserved demographic of 65 million Baby Boomers in the US.
Homebuying seminar for realtors to useheatherjs821
This homebuying seminar provides information to help families make the right decision for homeownership. It discusses the benefits of owning over renting, getting pre-approved for a loan, choosing a realtor, making an offer, and completing the closing process. Resources are also included to help with the homebuying process.
1. The document provides information for first time home buyers on the steps involved in purchasing a home, including obtaining mortgage approval, finding a home, making an offer, negotiations, inspections, appraisal, title work, and closing.
2. It discusses the advantages of home ownership, defining search criteria for finding a home, tips for working with a realtor, the mortgage qualification and approval process, and requirements for condo/HOA purchases.
3. The key steps are outlined as obtaining mortgage pre-approval, working with a realtor to find a suitable home, making an initial offer, potentially negotiating terms, completing inspections and appraisal, handling title work, and finalizing the purchase at closing
This document provides an overview of personal credit and credit scores. It defines credit as borrowing money that must be repaid over time, with interest. The benefits of credit include purchasing power and establishing a credit history, while risks include debt, fees, and damage to one's credit if not repaid. The "four C's" that lenders evaluate are credit history, collateral, capacity to repay, and current conditions. It also discusses credit reports, credit scores, responsible credit management, and why maintaining good credit is important.
Jennifer Kirk is a real estate agent with Windermere Real Estate. Windermere is a large real estate firm with over 300 offices and 7,000 agents throughout the Western US and Mexico. As a Windermere agent, Jennifer can provide full-service real estate services and draw on Windermere's extensive network. She is knowledgeable about the local area and real estate processes. Jennifer is dedicated to helping buyers and sellers in their real estate needs.
Are you looking to enhance the client intake processes at your firm?
By automating repetitive tasks and streamlining communication channels, you can efficiently manage client inquiries, provide timely responses, and create a smooth experience for potential clients.
Join us for a live product walkthrough with Clio's product experts, Aamnah Izhar and Alice Wang, as they showcase how to:
Leverage text messaging and automated emails for seamless communication
Streamline and log communications for efficient tracking
Integrate Clio Grow with MailChimp to optimize client engagement
Plus, you'll learn how to unlock the full power of Clio, and achieve seamless firm management, by syncing Clio Grow and Clio Manage.
Cindee Stone has over 15 years of experience helping people achieve homeownership through her mortgage lending expertise. She founded People Want Info to educate homebuyers on the loan process and stresses the importance of pre-approval to feel comfortable throughout the process. With her positive attitude and focus on clients, Cindee has achieved success in the mortgage industry by ensuring the best outcomes for each individual borrower.
This document provides instructions for making emping melinjo crisps from melinjo fruits in Indonesia. It describes collecting ripe melinjo fruits, peeling the skins to leave just the seeds, drying the seeds by frying them in hot sand to soften them, shaping the hot seeds into flat crisps using a hammer, and drying the crisps in the sun before packaging and selling them. Contact information is provided for several sellers of emping melinjo crisps in Indonesia.
The Power of Compounding #MakeWealthinIndiaithought
Not many people recognize the benefits of long term investing. An intelligent long term investment can turn a moderate sum into a substantial amount, thanks to the power of compounding.
But lot of us do not want to go the hard route and look out for short term quick fix measures for wealth creation.
This presentation will put things in perspective with regards to the power of compounding in a long term investment.
www.ithought.co.in
To know further, feel free to reach out
Email: info@ithought.co.in
Call: 044 4202 4276
Our Steps to Success Buyer Presentation is about educating your buyer clients right from the beginning. As a Realtor®, you are a trained, knowledgeable, experienced professional. You know the market nationally, regionally and locally. With a strong buyer presentation such as ours, you will get the commitment of buyer prospects to work with you. We all know that working with buyers can be like herding cats. Our Buyer Presentation is a tool designed to help designate you as the real estate professional and establish control of your client.
The document outlines key terms in both a Private Placement Memorandum (PPM) and Limited Partnership Agreement (LPA) for a generic venture capital fund. The PPM would describe the fund's investment strategy, market opportunity, management team experience, and targeted returns. The LPA establishes the fund's legal structure, investment period, management fees, carry allocation, and other standard terms like an expected 10-year term with the ability for extensions. It provides commentary on what language might be used for common terms and industry norms.
Personal Finance: Budgeting & Psychology of Spending by @PhroogalJason Vitug
Budgeting is an important and vital part of personal finance. The seminar focuses on the importance of mindset to create and stick to a budget. It examines the psychology of spending and our relationship with money. The goal is to educate attendees on key budgeting terms, motivations, pitfalls and the steps to start a budget.
A budget is a spending plan that you decide upon. It is based on how much you make in income and what your monthly expenses are. By understanding your monthly income and expenses, you will be better able to manage your cash flow and determine how much debt, if any, you can assume.
Real estate is perhaps the smartest investment option open to you today. It offers less risk than playing the stock market, and can provide much higher profitability when done right. Of course, you still need to know how to get started
An Investor's Guide to Real Estate CrowdfundingCrowdfundSuite
Why did investors place $2.6B via real estate crowdfunding in 2015? Discover how investors are creating outstanding returns from real estate with more transparency, smaller amounts, more diversification, more control and flexibility and without landlord hassles. Keynote for 2016 Rai$e Conference by Crowdfund Suite Evangelist Bret Conkin.
Real Estate Crowdfunding has become a dynamic new option for real estate developers and project sponsors for raising capital to finance projects. In turn, investors have tapped an exciting new option tof investing in previously inaccessible projects to achieve high returns in this booming asset class.
This guide details what investors need to know. Also useful for developers. Learn more at www.crowdfundland.co
This guide provides an abstract summary of the lessons and information from the audio program "Verbal Advantage." It can be used to follow along with the program, review material after listening, and reinforce learning. The guide covers pronunciation of vowels and consonants, with foreign sounds and stress patterns. Sample entries include definitions, synonyms, antonyms, and other semantic information for words presented in the program in a concise, easy to reference format.
This document discusses Kruma, a service that allows international travelers to exchange currency at the true exchange rate anywhere in the world using a Kruma debit card. Kruma offers pay-as-you-go and premium plans with capped ATM withdrawal limits and extended limits/benefits respectively. Fees are 1% or less for currency exchanges and cash withdrawals, addressing the 8-15% losses travelers typically incur. The founders aim to raise $1 million to launch the product in July 2018 and grow the user base to 35,000 monthly active users within 12 months.
Personal Finance: Taking Charge of Your Financial Life: Money and Credit by @...Jason Vitug
The plan is to introduce basic personal finance concepts and terminology.
The goal is to understand personal finance topics and the important role it plays in living richer lives. The takeaway is to know important concepts, identify financial warning signs and create a plan and take action.
Personal finance is the use of financial management principles with respect to individual or family unit finances to manage money, budget, save and spend while taking into account various future risks and life events.
The document discusses the importance of estate planning and how life changes can necessitate revisions. It notes that key assumptions people often have about estate planning, such as living forever or never needing long-term care, are generally false. The document then provides examples of legal documents used in estate planning like wills, trusts, powers of attorney, and outlines factors to consider when creating or revising an estate plan.
This document discusses convertible debt financing. Convertible notes are short-term debt instruments that convert to preferred stock upon a qualified financing round, allowing companies to raise funds without setting a valuation. Typical terms include interest rates of 4-8%, 12-24 month terms, and conversion discounts or caps on valuation. While convertible notes provide cheaper funding than equity, terms can have unintended consequences. Alternative instruments like SAFEs (Simple Agreements for Future Equity) and KISSes (Keep It Simple Securities) aim to be more founder-friendly. The presenter recommends consulting an attorney to properly structure agreements.
Discord Company Presentation by Anthony TungAnthony Tung
Discord is a free voice and text chat application designed for gamers. Founded in 2015, it has grown rapidly to over 45 million users due to partnerships with Twitch streamers and an easy-to-use interface. Discord generates revenue through an optional $5 per month subscription and has raised over $180 million from investors. While free for basic use, its focus on gaming communities and customizable servers has made it popular compared to alternatives like Skype and Teamspeak.
This document provides an overview of saving options for overseas Filipino workers (OFWs). It discusses regular savings accounts that allow flexibility but have low interest rates. Time deposit accounts offer higher interest rates but lock up funds for a set period. Special retirement savings accounts specifically target retirement goals with even higher rates and tax benefits, though early withdrawals face penalties. The document aims to help OFWs strategically save and invest their earnings.
There are four main sources of capital for firms: retained profits, borrowed money, mortgage bonds, and capital stock. A profitable firm generates money from operations equal to retained profits plus depreciation charges, even without making a profit. The minimum attractive rate of return (MARR) should be greater than a firm's cost of capital, which includes the interest rates on borrowed money. Based on an example where the after-tax cost of interest is 8.52%, the MARR in this case should be greater than 8.52%.
The document discusses the effects of inflation on engineering economy calculations. It defines inflation and presents two methods for accounting for inflation: 1) converting cash flows to constant value dollars using the real interest rate, and 2) using future dollars and the inflation-adjusted interest rate. The key effects of inflation are a reduction in purchasing power over time as money buys fewer goods/services. The document also discusses how inflation impacts present worth, future worth, and capital recovery calculations.
The document discusses the results of a study on the impact of COVID-19 lockdowns on air pollution. The study found that lockdowns led to significant short-term reductions in nitrogen dioxide and fine particulate matter pollution globally as transportation and industrial activities declined substantially. However, the improvements in air quality were temporary and pollution levels rose back to pre-pandemic levels as restrictions eased and activity increased again.
This document provides information about VA loans from Kathy Weese-Dyer, an associate broker. It begins with 10 questions about VA loans and provides answers to each. It then discusses VA loan eligibility requirements for service members, veterans, and spouses. The document ends with positive testimonials from past clients that praised Kathy's professionalism, responsiveness, and dedication in helping them buy or sell homes.
This document provides instructions for making emping melinjo crisps from melinjo fruits in Indonesia. It describes collecting ripe melinjo fruits, peeling the skins to leave just the seeds, drying the seeds by frying them in hot sand to soften them, shaping the hot seeds into flat crisps using a hammer, and drying the crisps in the sun before packaging and selling them. Contact information is provided for several sellers of emping melinjo crisps in Indonesia.
The Power of Compounding #MakeWealthinIndiaithought
Not many people recognize the benefits of long term investing. An intelligent long term investment can turn a moderate sum into a substantial amount, thanks to the power of compounding.
But lot of us do not want to go the hard route and look out for short term quick fix measures for wealth creation.
This presentation will put things in perspective with regards to the power of compounding in a long term investment.
www.ithought.co.in
To know further, feel free to reach out
Email: info@ithought.co.in
Call: 044 4202 4276
Our Steps to Success Buyer Presentation is about educating your buyer clients right from the beginning. As a Realtor®, you are a trained, knowledgeable, experienced professional. You know the market nationally, regionally and locally. With a strong buyer presentation such as ours, you will get the commitment of buyer prospects to work with you. We all know that working with buyers can be like herding cats. Our Buyer Presentation is a tool designed to help designate you as the real estate professional and establish control of your client.
The document outlines key terms in both a Private Placement Memorandum (PPM) and Limited Partnership Agreement (LPA) for a generic venture capital fund. The PPM would describe the fund's investment strategy, market opportunity, management team experience, and targeted returns. The LPA establishes the fund's legal structure, investment period, management fees, carry allocation, and other standard terms like an expected 10-year term with the ability for extensions. It provides commentary on what language might be used for common terms and industry norms.
Personal Finance: Budgeting & Psychology of Spending by @PhroogalJason Vitug
Budgeting is an important and vital part of personal finance. The seminar focuses on the importance of mindset to create and stick to a budget. It examines the psychology of spending and our relationship with money. The goal is to educate attendees on key budgeting terms, motivations, pitfalls and the steps to start a budget.
A budget is a spending plan that you decide upon. It is based on how much you make in income and what your monthly expenses are. By understanding your monthly income and expenses, you will be better able to manage your cash flow and determine how much debt, if any, you can assume.
Real estate is perhaps the smartest investment option open to you today. It offers less risk than playing the stock market, and can provide much higher profitability when done right. Of course, you still need to know how to get started
An Investor's Guide to Real Estate CrowdfundingCrowdfundSuite
Why did investors place $2.6B via real estate crowdfunding in 2015? Discover how investors are creating outstanding returns from real estate with more transparency, smaller amounts, more diversification, more control and flexibility and without landlord hassles. Keynote for 2016 Rai$e Conference by Crowdfund Suite Evangelist Bret Conkin.
Real Estate Crowdfunding has become a dynamic new option for real estate developers and project sponsors for raising capital to finance projects. In turn, investors have tapped an exciting new option tof investing in previously inaccessible projects to achieve high returns in this booming asset class.
This guide details what investors need to know. Also useful for developers. Learn more at www.crowdfundland.co
This guide provides an abstract summary of the lessons and information from the audio program "Verbal Advantage." It can be used to follow along with the program, review material after listening, and reinforce learning. The guide covers pronunciation of vowels and consonants, with foreign sounds and stress patterns. Sample entries include definitions, synonyms, antonyms, and other semantic information for words presented in the program in a concise, easy to reference format.
This document discusses Kruma, a service that allows international travelers to exchange currency at the true exchange rate anywhere in the world using a Kruma debit card. Kruma offers pay-as-you-go and premium plans with capped ATM withdrawal limits and extended limits/benefits respectively. Fees are 1% or less for currency exchanges and cash withdrawals, addressing the 8-15% losses travelers typically incur. The founders aim to raise $1 million to launch the product in July 2018 and grow the user base to 35,000 monthly active users within 12 months.
Personal Finance: Taking Charge of Your Financial Life: Money and Credit by @...Jason Vitug
The plan is to introduce basic personal finance concepts and terminology.
The goal is to understand personal finance topics and the important role it plays in living richer lives. The takeaway is to know important concepts, identify financial warning signs and create a plan and take action.
Personal finance is the use of financial management principles with respect to individual or family unit finances to manage money, budget, save and spend while taking into account various future risks and life events.
The document discusses the importance of estate planning and how life changes can necessitate revisions. It notes that key assumptions people often have about estate planning, such as living forever or never needing long-term care, are generally false. The document then provides examples of legal documents used in estate planning like wills, trusts, powers of attorney, and outlines factors to consider when creating or revising an estate plan.
This document discusses convertible debt financing. Convertible notes are short-term debt instruments that convert to preferred stock upon a qualified financing round, allowing companies to raise funds without setting a valuation. Typical terms include interest rates of 4-8%, 12-24 month terms, and conversion discounts or caps on valuation. While convertible notes provide cheaper funding than equity, terms can have unintended consequences. Alternative instruments like SAFEs (Simple Agreements for Future Equity) and KISSes (Keep It Simple Securities) aim to be more founder-friendly. The presenter recommends consulting an attorney to properly structure agreements.
Discord Company Presentation by Anthony TungAnthony Tung
Discord is a free voice and text chat application designed for gamers. Founded in 2015, it has grown rapidly to over 45 million users due to partnerships with Twitch streamers and an easy-to-use interface. Discord generates revenue through an optional $5 per month subscription and has raised over $180 million from investors. While free for basic use, its focus on gaming communities and customizable servers has made it popular compared to alternatives like Skype and Teamspeak.
This document provides an overview of saving options for overseas Filipino workers (OFWs). It discusses regular savings accounts that allow flexibility but have low interest rates. Time deposit accounts offer higher interest rates but lock up funds for a set period. Special retirement savings accounts specifically target retirement goals with even higher rates and tax benefits, though early withdrawals face penalties. The document aims to help OFWs strategically save and invest their earnings.
There are four main sources of capital for firms: retained profits, borrowed money, mortgage bonds, and capital stock. A profitable firm generates money from operations equal to retained profits plus depreciation charges, even without making a profit. The minimum attractive rate of return (MARR) should be greater than a firm's cost of capital, which includes the interest rates on borrowed money. Based on an example where the after-tax cost of interest is 8.52%, the MARR in this case should be greater than 8.52%.
The document discusses the effects of inflation on engineering economy calculations. It defines inflation and presents two methods for accounting for inflation: 1) converting cash flows to constant value dollars using the real interest rate, and 2) using future dollars and the inflation-adjusted interest rate. The key effects of inflation are a reduction in purchasing power over time as money buys fewer goods/services. The document also discusses how inflation impacts present worth, future worth, and capital recovery calculations.
The document discusses the results of a study on the impact of COVID-19 lockdowns on air pollution. The study found that lockdowns led to significant short-term reductions in nitrogen dioxide and fine particulate matter pollution globally as transportation and industrial activities declined substantially. However, the improvements in air quality were temporary and pollution levels rose back to pre-pandemic levels as restrictions eased and activity increased again.
This document provides information about VA loans from Kathy Weese-Dyer, an associate broker. It begins with 10 questions about VA loans and provides answers to each. It then discusses VA loan eligibility requirements for service members, veterans, and spouses. The document ends with positive testimonials from past clients that praised Kathy's professionalism, responsiveness, and dedication in helping them buy or sell homes.
VA loans provide several benefits for eligible veterans including $0 down payment, no private mortgage insurance requirement, and favorable loan terms since the Department of Veterans Affairs guarantees the loan. To qualify, a veteran must have served a minimum number of days depending on wartime or peacetime service, and veterans with dishonorable discharges are ineligible. VA loans also have funding fees paid to the VA by the veteran that vary depending on the veteran's disability status and time of service.
MA CEU Veterans Administration (VA) Loans - RE73R11Jody O'Brien
The document summarizes key aspects of VA loans, which guarantee loans made by private lenders to eligible veterans and service members. It outlines the eligibility requirements, benefits like no down payment or PMI, types of loans and properties covered, funding fees, closing costs, appraisal and processing procedures. VA loans help veterans achieve the goal of homeownership.
This document provides information about VA home loan eligibility and the application process. Some key points:
- Veterans with active duty service, retired veterans, and surviving spouses of deceased veterans may be eligible depending on the dates and length of service.
- The application process involves getting a Certificate of Eligibility from the VA, finding a home, getting an appraisal, applying for the loan with a VA-approved lender, and closing on the loan.
- Eligible veterans can get loans with no down payment, no mortgage insurance, and potentially other benefits like seller-paid closing costs.
The VA home loan benefit provides veterans with several advantages when obtaining a home loan, including no down payment requirement, no private mortgage insurance, and the ability to finance closing costs. To qualify, a veteran must have served a minimum time period including at least 180 days of active duty service, unless they served longer than 24 months or the full period for which they were called to active duty. The VA home loan has several restrictions including owner-occupancy for at least one year and loan limits up to $625,500 or $695,750 in Honolulu county. The veteran pays a one-time funding fee that is usually financed into the loan.
Buying a home after Short Sale, Foreclosure or BankruptcyShashank Shekhar
Find out how you can qualify for a mortgage and buy a house after you have had a Short Sale, Foreclosure or Bankruptcy (Chapter 7 and Chapter 13). The slides talk about Conventional (Conforming) and FHA loans eligibility criteria after Short Sale, Foreclosure and Bankruptcy.
Buy a home 1 year after short sale, bankruptcy or foreclosureShashank Shekhar
Buy a home one year after short sale, bankruptcy or foreclosure, back to work loan program details, how can you qualify, when you apply, can it be used for purchase and refinance, how can you get the loan?
Want to buy a home in Maryland, PA or WV but have little money? Check out the USDA Loan. You do NOT need to be a 1st time home buyer. Loan is based on location of the property & max income limits. We cover all the basic guidelines here but to obtain a FREE pre-approval you will need to contact us at challjr@monarchmtg.com or www.monarchbank.com/chall
Learn more about MAP - COVE's innovative "Lease and Later Own" program.
Customers lease and live in the home of their choice today while they seek to qualify for a mortgage to purchase the home in the future at a locked-in price.
The document provides information about VA home loans, including what a VA loan is, eligibility requirements, how to obtain a Certificate of Eligibility, details about the VA funding fee, required documentation, and contact information. A VA loan can be used to purchase a single family residence, townhouse, or approved condo with 0% down payment. Eligible individuals include active duty personnel who served 6 years or more and veterans with an honorable discharge. Required documentation includes tax returns, employment verification, credit reports, bank statements, and a Certificate of Eligibility.
"Pathway to Home Ownership" is a step-by-step guide to the home-buying and mortgage process. Published by Citywide Mortgage, Oklahoma City, OK. NMLS #120886 / Equal Housing Lender
"Pathway to Home Ownership" is an easy-to-follow guide on obtaining a mortgage. Published by Citywide Mortgage, Oklahoma City, OK - Equal Housing Lender / NMLS #120886
This document provides guidelines for qualifying borrowers for FHA and conventional loans based on their FICO score. For FHA loans, borrowers with scores of 620-639 must have a housing payment history of at least 12 months if their DTI is over 45% or they exceed payment shock limits. Those with scores of 640-659 can have a DTI up to the AUS approval. Borrowers at 660+ need not provide an explanation for a lack of housing payment. For conventional loans, borrowers at 640-659 can exceed 50% DTI if approved by AUS, and there are no alternative guidelines for those at 660+. The document also lists alternative qualification options for borrowers that exceed certain
Citywide Mortgage, an Oklahoma-based mortgage lender, provides an easy-to-follow guide on obtaining a mortgage. Learn about various loan programs and helpful tips for home buyers.
This document outlines qualification requirements for FHA and conventional loans based on a borrower's FICO score. For FHA loans with a 620-639 score and a housing payment, the borrower must have 12 months of on-time payments documented, a DTI below 45% or an exception for up to 50%, and payment shock below 125%. For scores of 640+ some requirements are determined by the AUS. Conventional loans require a DTI of 50% or less or an AUS approval above that. Alternative qualification options exist that allow for higher DTIs if other criteria are met.
A reverse mortgage allows homeowners aged 62 and older to convert their home equity into tax-free cash payments without having to sell their home or make monthly payments. Key advantages include limited risk of default, not owing more than the home's value, and funds not being taxable. There are also flexible payment options and no income or credit qualifications. However, a reverse mortgage may disqualify homeowners from certain public assistance programs and use up equity that could otherwise be left for heirs. Homeowners must meet with a counselor and ensure they understand all costs involved with a reverse mortgage.
The document discusses shopping for mortgage rates and provides tips for comparing rates. It explains that mortgage rates are based on mortgage-backed securities and impacted by factors like credit scores, loan-to-value ratios, and macroeconomic news. Borrowers are advised to get rate quotes with the same closing costs to compare apples-to-apples and to consider reputation, turnaround times, and accessibility when choosing a lender.
The mortgage panel at Virtual RE Bar Camp included me and 4 other top mortgage bloggers. We talked about why it makes sense for real estate agents to have mortgage content on their blog.
How to score working with First-Time Home BuyersShashank Shekhar
This document discusses strategies for mortgage lenders to target and better serve first-time home buyers (FTHBs). It notes that FTHBs currently make up around 30% of the housing market and that targeting this segment can provide lenders with loyal, long-term clients. The document recommends focusing marketing and outreach efforts on younger generations using tools like social media, blogging, and videos. It also suggests tailoring the lending process to address common FTHB concerns about jobs, down payments, and credit. Finally, the summary emphasizes embracing FHA loans, which are well-suited for many FTHBs.
What are the regulatory changes that will affect mortgage lending in 2010? How will the mortgage rates move and what are the loan production forecasts?
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
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My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
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"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
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VA Loans- An Overview
1. VA Loans: An Overview
Shashank Shekhar
CEO, Arcus Lending
2. About Arcus Lending
• Arcus Lending is Mortgage Lender based in San Jose,
California
• Products Offered: Residential Mortgages- FHA,
Conventional, VA, 203K, HARP, HomePath, Reverse
Mortgage, CHDAP, 80/10/10
• Geography Served: California, Washington and
Oregon
• What are they known for: Legendary customer
service, quick closing and rates that are consistently
better than the leading banks
3. Ab About Shashank Shekhar
• Shashank Shekhar is the Founder and CEO of Arcus
Lending
• Amazon.com Best-selling Author and “Top 40 under
40 Mortgage Professional” 2 years in a row
• National speaker, and a blogger who is frequently
tapped for his expertise by various national and local
media including FOX, CBS, ABC and NBC
4. • The information contained within this document
is for educational purposes only. Every attempt
has been made to provide accurate, up to date,
reliable and complete information. No
warranties of any kind are expressed or implied.
Readers acknowledge that the author is not
engaging in rendering legal, financial or
professional advice.
Disclaimer
5. Agenda
• What is a VA loan?
• Who is eligible for a VA loan?
• What are the loan limits?
• What are the requirements?
• What is the funding fees?
• How can you get a VA loan?
6. What is a VA loan?
• Veterans Affairs (VA) home loans are mortgages that
are guaranteed by Veterans Administration.
• The loans are made by mortgage lenders and banks.
• Service members, veterans and eligible surviving
spouses may qualify for VA home loans.
7. Who is eligible?
• Eligibility is based on the veteran’s length and type of
military service. Generally speaking, VA determines
that veterans who fulfill the criteria below are
eligible for the VA home loan benefit:
– Veterans with two years of continuous active duty
and an honorable discharge
– Veterans with six years of service in the Selected
Reserves or National Guard and an honorable
discharge
– Veterans with 90 days active duty wartime service
and an honorable discharge
8. Who is eligible?
– Veterans with 181 days of continuous active duty during
peacetimes listed below and an honorable discharge:
July 26, 1947 – June 26 1950
February 1, 1955 – August 4 1964
May 8, 1975 – August 1, 1990
– Un-remarried surviving spouse of a veteran
– Eligibility determined by Veterans Administration (VA)
– Veteran must have been totally disabled at the time of death
or died on active-duty or as a result of service connected
injuries or illness (VA determines cause of veteran’s death)
9. Who is Eligible?
⁻ For Interest Rate Reduction Refinance Loans (IRRRL),
the Certificate of Eligibility must be in the deceased
veteran’s name and social security number
⁻ For purchase and cash-out transactions, the
Certificate of Eligibility must be in the surviving
spouse’s name
10. Obtaining Certificate of Eligibility?
• A certificate of eligibility is required for all VA home
purchase loans. This can be obtained through VA’s
website https://vip.vba.va.gov or by contacting VA’s
eligibility center at 1700 Clairmont Road, Decatur,
GA 30031 – Phone: 888-768-2132.
• Most regional loan centers also prepare certificate of
eligibility for walk-in veterans.
11. VA Loan Amount Limits
• The Department of Veterans Affairs (VA) Loan
Guaranty program does not set a maximum amount
that an eligible veteran may borrow using a VA
guaranteed loan. For 2013, the maximum loan limit
can be as high as $1,094,625 in certain counties.
However, most lenders don’t lend beyond $729,750.
• The minimum loan amount limit for all counties is
$417,000.
12. Loan to Value (LTV) Ratio and Down payment
Requirements
• You can borrow up to 100% of the purchase price (or
appraised value whichever is lower).
• Funding fees can also be financed in the loan
amount. No minimum down payment or cash
investment is required unless:
– Your available entitlement is less than 25% of the
total loan amount, including funding fee or
– There is a Co-borrower on the loan who is not a
veteran or the spouse of the veteran borrower
14. Other Requirements
• Occupancy
– Veteran must either occupy the home at the time
of closing or certify that he or she will occupy
within 60 days of loan closing. The veteran’s
spouse who occupies the home satisfies the
occupancy requirement when the veteran cannot
occupy the home due to overseas active duty
assignment.
15. VA Loans Funding Fees
• See the chart below for funding fees.
• Note: Funding fees can be added to the loan amount
and you do not need to pay this from your pocket at
close.
16. How do I get a VA loan?
• Call (408) 615 0655
• Email: Info@ArcusLending.com
• Website: www.ArcusLending.com
• Blog: www.LendingExpertBlog.com
• FaceBook: www.facebook.com/ArcusLending
Licensing Info:
Arcus Lending Inc, NMLS ID 1035734 and CA BRE #01857474
Shashank Shekhar NMLS ID 8176