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Dating Services
2008-04-03 04:02:00
 A Net dating service, also known as online dating or Internet dating, is an example of a dating system and allows individuals, couples and groups to meet online and possibly develop a romantic or sexual relationship. Net dating services provide un-moderated matchmaking through the use of personal computers, the Internet, or even cell phones. Such ...
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Mortgage Bankers versus Mortgage Brokers
2008-02-21 17:24:00
Many consumers assume that ?mortgage companies? are banks that lend their own money. In fact, a company that you deal with maybe either a mortgage banker or a mortgage broker. A mortgage banker is a direct lender; it lends you its own money, although it often sells the loan to the secondar y market. Mortgage ...
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Understanding the Mortgage Loan Market
2008-01-26 13:53:00
Neither a borrower nor a lender be; for loan oft loses both itself and friend.?William Shakespeare The mortgage business is a complicated and ever-changing industry. It is important that you understand how the mortgage market works and how the lenders make their profit. In doing so, you will gain an appreciation of loan programs and why ...
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Real Estate Leads : What Is Foreclosure?
2008-01-16 16:36:00
  Foreclosure is the legal process of the mortgage holder taking the collateral for a promissory note in default. The process is slightly different from state to state, but there are basically two types of foreclosure: judicial and nonjudicial. In mortgage states, judicial foreclosure is used most often, whereas in deed of trust states, nonjudicial (called ...
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Real Estate : Priority of Liens
2008-01-13 16:20:00
  Liens , like deeds, are ?first in time, first in line.? Thus, if a property is owned free and clear, a mortgage recorded will be a first mortgage. A mortgage recorded thereafter will be a second mortgage (sometimes called a junior mortgage because its lien position is behind the first mortgage). Likewise, any judgments or other ...
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The Public Recording System
2008-01-06 15:46:00
 The recording system gives constructive notice to the public of the transfer of an interest in property. Recording simply involves bringing the original document to the local county courthouse or county clerk?s office. The original document is copied onto a computer file or onto microfiche and is returned to the new owner. There is a filing ...
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The Mortgage in Detail
2008-01-06 09:36:00
The security agreement executed by the borrower pledges the property as collateral for the note. Known by most as a ?mortgage,? this document, when recorded (discussed below), creates a lien in favor of the lender. The mortgage agreement is generally a standardized form approved by FNMA. While the form of note is generally the same ...
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What Is a Mortgage?
2008-01-05 05:49:00
Most of us think of going to a bank to get a mortgage. Actually, you go to the bank to get a loan. Once you are approved for the loan, you sign a promissory note to the lender, which is a legal promise to pay. You also give the lender (not get) a mortgage as ...
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How Real Estate Investors Use Financing
2008-01-04 16:19:00
As discussed before, investors use mortgage loans to increase their leverage. The more money an investor can borrow, the more he or she can leverage the investment. Rarely do investors use all cash to purchase properties, and when they do, it is on a short-term basis. They usually refinance the property to get their cash ...
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How Financing Affects the Real Estate Market
2008-01-02 16:26:00
Because financing plays a large part in real estate sales, it also affects values; the higher the interest rate, the larger your monthly payment. Conversely, the lower the interest rate, the lower the monthly payment. Thus, the lower the interest rate, the larger the mortgage loan you can afford to pay. Consequently, the larger the ...
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Owning Property ?Free and Clear?
2008-01-02 16:19:00
For some investors, the goal is to own properties ?free and clear,? that is, with no mortgage debt. While this is a worthy goal, it does not necessarily make financial sense. Example: Consider a $100,000 property that brings in $10,000 per year in net income (net means gross rents collected, less expenses, such as property taxes, ...
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FINANCING SECRETS OF A MILLIONAIRE REAL ESTATE INVESTOR
2008-01-02 16:16:00
over 12 months, it would now be worth $110,000. Your return on investment would be 10 percent annually (of course, you would actually net less because you would incur costs in selling the property). Equity = Property value ? Mortgage debt If you purchased a property using $10,000 of your own cash and $90,000 in borrowed money, ...
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The Concept of Leverage
2008-01-02 16:13:00
Leverage is the process of using borrowed money to make a return on an investment. Let?s say you bought a house using all of your cash for $100,000. If the property were to increase in value 10 percent. Introduction to Real Estate Financing The Federal Reser ve and Interest Rates The Federal Reserve the Fed is an independententity ...
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Understanding the Time Value of Money
2008-01-02 16:08:00
In order to understand real estate financing, it is important that you understand the time value of money. Because of inflation, a dollar today is generally worth less in the future. Thus, while real estate values may increase, an all-cash purchase may not be economically feasible, because the investor?s cash may be utilized in more ...
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