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Is There Recourse Against Bad Mortgage Servicing?
March 19, 2001 When a mortgage loan is closed, the origination file is closed and a servicing file is opened. It remains open for the life of the loan. Whether the process goes smoothly or badly depends on both the borrower and the ... more...

Qualifying For a Mortgage
December 12, 2000 Most potential borrowers are nervous about getting a mortgage loan because they share a widespread misperception: the misperception is that they have no bargaining power relative to lenders, and therefore must approach them ... more...

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Equal Credit Oportunity Act
Equal Credit Oportunity Act (ECOA) Is a federal law that requires lenders and other creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status or receipt of income from public assistance programs. ... more...

Credit Score
Credit Score A single numerical score, based on an individual's credit history, that measures that individual's credit worthiness. Credit scores are as good as the algorithm used to derive them. The most widely used credit score is called ... more...

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I have a buyer for your property and I can sell it now!
A Realtor has just talked to you and said, "I have a buyer for your property and I can sell it now; perhaps for more money than the price your current real estate agent has it listed for." Have you heard this or a version of this? Or, "I have a buyer for your property and I can sell it now; for ... more...

Student Loan Consolidation: Look This Gift Horse in the Mouth - Part I
---------------Get Life Skills - Not Student Loans---------------Student loans? Who needs them? Take charge of your money for the rest of your life.=================Part I (This article)Part II Student loan consolidation has big benefits for losersPart III Idea beats student loan consolidation and ... more...

Rookies To Watch In The NFL
Like so many millions of young sports-crazed boys, in my formative years I was a baseball card fanatic. But one thing that I never understood about baseball cards is why rookie cards were always worth more money than any other cards. I bring this up, because I'm equally confused when it comes to ... more...

Smart Strategies For Real Estate Investment
If youre deterred by the roller coaster rides of the stock market, then real estate is the best place to invest your hard earned money.But real estate business is not an easy one. It calls upon concrete strategies to realize your goals and turn your business into a lucrative venture. If youre an ... more...

Reinventing Real Estate, Part 1: Online and Empowered Consumers Are Taking Charge and Paying Less
For decades, the real estate world turned in a predictable manner. The roles of buyers, sellers and real estate professionals were fairly well defined and transactions followed a predictable path of yard signs, newspaper ads, open houses and miles of paperwork.Recently, online and empowered ... more...

3 Strategies For Buying Property With No Money Down
Everyone has heard a story or read about someone who bought a property without paying a single dime as a down payment. But how does this work?There are several "classic" methods commonly used to purchase real estate with no money down. There are an infinite variety of situations in a real estate ... more...

Don't Sell Your House--Ever!
Keeping your existing house when you buy a new one could be THE most profitable financial decision you could make. Consider the following:1. Second stream of income: When you move to another place and keep your current house as a rental, this gives you an extra stream of income.2. Pay less tax: ... more...

Discovering The Art of Bending Your Mindset And Manifesting Your Multiple Intelligences
Discovering the Art of Bending Your Mindset and Manifesting your Multiple Intelligences in selling.Doctors cant sell Real Estate! Whats your mindset? A number of people related this statement to me when I first decided to get into sellingreal estate over 20 years ago. And you know they were right ... more...

Link Development: The Super Hero for SEO
Link Development takes a major role in having your web site rank well in the search engines. Many web masters as well as SEO companies overlook how important it is to have a good link development campaign going for their web site. This article consists of 3 major topics; What is Link ... more...

How A Change in Perspective Can Help You Make More Holiday Season Sales: Pt. One
Some sites are perfect for the Christmas season - their products fit easily into the idea of gift-giving. But what if the products and services you offer are for small business owners?Or, as many of my clients ask, how do I survive the holiday season if I sell intangibles?When a couple of people ... more...

Who Are You? - Protecting Yourself From Identity Theft
In the movie The Net, Sandra Bullock played the role of a victim of identity theft. In fact, she was basically erased from the community. Another woman consumed her identity, taking with it everything Sandra Bullocks character had - including her bank accounts, license and social security number, ... more...

Do You Have to Be Aggressive to Make Sales?
A few weeks ago I was onsite at a company that had hired me to train their sales team on how to stop using traditional selling and start using the Unlock The Game sales approach.After one coaching session, one member of the sales team came up to me and said, "Ari, your approach makes complete sense ... more...


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