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HUD's Proposals For Reform
October 19, 2002 On July 29, 2002, HUD released a set of proposals to substantially change the ways in which home loans are originated in the US.  As usual, the proposals were open for comment, and many thousands of them were received.  Mine was among them, and is shown ... more...

HUD and Yield Spread Premiums
October 3, 2001 The recent decision of the US 11th Circuit Court of Appeals in the case of Culpepper vs Irwin has suddenly swung the spotlight on HUD policy regarding yield spread premiums (YSPs) retained by mortgage brokers.  To this date, HUD has been impotent in dealing ... more...

Federal Way Washington related definitions

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...

Freddie Mac
Freddie Mac Federal Home Loan Mortgage Corporation (FHLMC) also called "Freddie Mac" - a quasi-governmental, federally sponsored organization that acts as a secondary market investor to buy and sell mortgage loans. FHLMC sets many of the guidelines for conventional ... more...

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Get Free Federal Way Washington Quotes and Estimates

Get instant on-line mortgage rate quote and closing cost estimate. Only put your loan numbers. No contact info required. Compare offers from top mortgage lenders... more...

Federal Way Washington Real Estate
Federal Way Washington Real Estate Federal Way, Washington, is located in King County, of , and 20 miles S of Seattle, Washington. Federal Way has a population of 83,259. Federal Way Homes Federal Way properties pool is 31,468 residential properties including Federal Way new homes. ... more...

Workers
We have read about the unemployment rate being high. Really anything around six percent is pretty good and it is less than that now according to the statistics, but some politicians say it is terrible and others say it is reasonable. It depends upon which side of the isle you sit.Our Washington ... more...

Its 2005----Bulk Email is Dead
A typical day at the inboxToday, I received 374 emails total.A pretty light day considering some days I get more than 1,000.To clarify what they were35 were for business, 4 were personal in nature, 11 were from groups I asked to get information from like Neiman Marcus and Urban Outfitters, VH1, and ... more...

Surviving High Debt States
Are you more likely to have more debt according to what state you live in? In a recent report done by Experian on the debt averages per state, the answer is yes! The report, compiled from approximately 3 million consumers nationwide, shows that the North East states of New Hampshire, Connecticut ... more...

Equity Raising Strategies, Myths, and Cold, Hard Facts
Start-ups and early stage companies are generally not attractive to institutional investors. Even in today's favorable climate, start-ups are basically just too risky for these sources of capital. The primary exception is where it is a proven entrepreneur starting another venture.For start-ups, the ... more...

The Identity Theft Epidemic : What The Experts Arent Telling You
Picture yourself walking down the street, all alone. It's late at night. It's a bit brisk, and the wind is blowing through the tall buildings on both sides of you. Suddenly, from out of nowhere, someone runs by you, knocks you over, grabs your wallet, and takes off.It sounds like a scene from a ... more...

The Fair Deal
The Fair DealOne fine summers evening, my wife Kim and I sat with a few of our neighbors out on the side porch of our house in North Chatham, N.Y., population 503. We talked politics.Most of us are Democrats. Some of us are old enough to have directly benefitted from the "New Deal" of Franklin D ... more...

Free Credit Reports: From The 3 Major Credit Bureau's!
Get your credit report online for FREE. Many financial advisors suggest that you periodically review your credit report for inaccuracies or omissions.This could be especially important if you're considering making a major purchase, such as buying a home. Checking in advance on the accuracy of ... more...

How Can The Democrats Win In 2008? (First of Two Parts)
I. VICTORY OUT WESTIf the Democrats are to seize control of the White House in 2008, they need to rally behind the partys brightest star, New York Senator Hillary Clinton. If they again parade a spineless, lackluster nomineea la Al Gore, Bill Bradley, John Kerry, Michael Dukakis, "Hollerin" Howard ... more...

Still Using Federal Reserve Notes?(How to Beat Inflation)
"My people are destroyed for lack of knowledge." Hosea 4:6 This short article will address the topic of inflation, its causes, the effects thereof, and how to safeguard against it. Do not fall victim to inflation, i.e., the government manipulation of your money. Let me explain. I. What Causes ... more...

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