Written by David Batchelor on February 15, 2012.
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Referral Business: Whether you are an independent business owner or a commission-based professional, referral business should be very important to you. With all the hype about Social Media, be it facebook, , linkedin, youtube or others, business owners might forget that the easiest and best way to do business is via referral. This is where BNI Business Network International, commonly just called BNI, comes to your aid.
BNI is the largest and best-known referral networking organization of its kind in the world. Es
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Written by David Batchelor on February 9, 2012.
The state of Utah and many homeowners recently foreclosed on or those whose mortgages are more than the value of their homes will benefit from $171 million that is the state’s portion of a national settlement with five big banks over foreclosure abuse.
Gov. Gary Herbert, Attorney General Mark Shurtleff and other officials offered details on Utah’s portion of the $25 billion deal Thursday in conjunction with announcements nationwide. They described Utah’s cut as “historic,” with only the 1998 settlement with tobacco companies bringing more money to the state.
The $171 million includes about $23 million that will go directly into the state treasury, with the rest for homeowners in the form of direct payments of about $2,000 for those already foreclosed on, reductions in principal on loans for others or the elimination of such things as late fees and similar charges.
Only Oklahoma held out among states in signing on to the $25 billion deal to settle abusive foreclosure practices. Under
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Written by David Batchelor on January 21, 2012.
More that a year has passed since HUD announced that it would investigate 22 lenders. The issue? Layering, the addition of requirements on top of FHA standards.
The investigations, said HUD, are in response to 22 complaints the National Community Reinvestment Coalition (NCRC) filed with HUD alleging that the loan activities of the mortgage originators showed that their home lending practices deny FHA- insured loans to African Americans and Latinos with credit scores as high as 640. Federal Housing Administration (FHA) guidelines allow mortgages to borrowers with credit scores above 580, provided the borrowers have down payments equaling 3.5 percent of the loan amount, or above 500, provided the borrowers have down payments equaling 10 percent of the loan amount.
In the usual case lenders can set whatever terms they want to underwrite a loan.
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Written by admin on January 18, 2012.
You are about to move to Houston but you are entirely foreign to that area. That is why you are in a state of puzzlement at the moment. There are many things you want to do but find yourself a little clueless as to what to expect. At this moment in time, you feel a little confused and apprehensive and nothing seems to be going right. If this situation mirrors the exact place where you find yourself in at the moment, you should think about hiring Houston moving companies to help and aid you in your endeavour.
It is perfectly all right to raise the white flag and admit that you need help. The first step would be to acknowledge the fact that you want to look for Houston moving companies. So, it is imperative for you to learn about Houston moving companies. It would also be a very good idea to seek information from realtors or brokers who might have contacts with these moving companies. Read full article…
Written by David Batchelor on January 17, 2012.
Before the Internet and smartphones came into being, all we had to assist us in house hunting was newspapers, estate agents and word-of-mouth. But now that we have all these wonders of technology, what’s our excuse to insist on pen and paper as best tools for house-hunting?
According to the new survey by real estate portal realestateVIEW.com.au nearly 50% of house hunters still use pen and paper to organize and manage their house-hunting process, and 10% admitted they look at newspapers, walk around suburbs and rely on real estate agents’ help.
Over 2000 people were asked nation-wide to participate in the survey, and the results look quite shocking to me. I seriously doubt that 50% of respondents weren’t busy and therefore could afford to waste time on inefficient house-hunting. The r
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