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Saturday, December 24, 2011
Friday, December 16, 2011
Instant Refinance Letters - The Complete Refinance Marketing System-In-A-Box - Based On A Denver Loan Officer Who Closed 71 Loans and Made $248,954.62 in a Single Year Mailing Cheap Refinance Letters from Home...Working Part-Time
!: Comparison Instant Refinance Letters - The Complete Refinance Marketing System-In-A-Box - Based On A Denver Loan Officer Who Closed 71 Loans and Made 8,954.62 in a Single Year Mailing Cheap Refinance Letters from Home...Working Part-Time quick
Brand : Michael AndrewRate :
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Post Date : Dec 16, 2011 08:13:40
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Instant Refinance Letters includes EVERYTHING you need to dominate the refinance market in your office and your town. Mail these proven refinance letters and receive calls from motivated borrowers who beg you to refinance their loans. You need MORE leads. Instant Refinance Letters generates high quality leads who want to refinance with you. You'll receive an avalanche of borrower calls, loans, & closings. I've been testing, tweaking, modifying, and perfecting these letters for the last 12 years. I specialize in REFINANCE loans. I know these letters work...and soon you will too. Last year I close 71 loans (6 per month) working part-time. I can't teach you how to close 500 loans per year...but I CAN teach you how to close 6 loans per month. Just copy me and write your own success story. Here's what you'll receive: SYSTEM MANUAL - You get the easy-to-read, 114 page, step-by-step System Manual that outlines my entire refinance marketing process from A-to-Z. I'll even show you my secret method of how you can put a targeted, high-response mailing list together for zero cost. 172 REFINANCE LETTER TEMPLATES - You get ALL 172 powerful, proven, response-generating refinance letters. You can target any type of loan: Conventional (40 letters), FHA (40 letters), VA (40 letters), Jumbo (40 letters), and Conversion (12 Letters).Target: Rate-And-Term, Cash-Out, and Debt-Consolidation Loans. The letters are in electronic format saving you hours of typing. Each letter template is quick and easy to customize. Just type in your name, company, and contact info. The template internally calculates the borrower's new monthly payment and inserts the unique monthly payment into each letter. Plus you get three bonuses: VIDEO TUTORIAL, ADVANCED TECHNIQUES MANUAL, and PAST CUSTOMER REFINANCE LETTER TEMPLATES. Jump start your mortgage career with Instant Refinance Letters. Retail Price 7. One extra refinance closing more than pays for the system. BUY IT today.
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Friday, December 9, 2011
Friday, December 2, 2011
Wednesday, November 23, 2011
Residential Mortgage Loan Origination Made Easy
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Price : $137.00
Post Date : Nov 23, 2011 12:21:10
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Monday, November 21, 2011
Instant Refinance Letters - The Complete Refinance Marketing System-In-A-Box - Based On A Denver Loan Officer Who Closed 71 Loans and Made $248,954.62 in a Single Year Mailing Cheap Refinance Letters from Home...Working Part-Time
!: discounted Instant Refinance Letters - The Complete Refinance Marketing System-In-A-Box - Based On A Denver Loan Officer Who Closed 71 Loans and Made 8,954.62 in a Single Year Mailing Cheap Refinance Letters from Home...Working Part-Time discount
Instant Refinance Letters includes EVERYTHING you need to dominate the refinance market in your office and your town. Mail these proven refinance letters and receive calls from motivated borrowers who beg you to refinance their loans. You need MORE leads. Instant Refinance Letters generates high quality leads who want to refinance with you. You'll receive an avalanche of borrower calls, loans, & closings. I've been testing, tweaking, modifying, and perfecting these letters for the last 12 years. I specialize in REFINANCE loans. I know these letters work...and soon you will too. Last year I close 71 loans (6 per month) working part-time. I can't teach you how to close 500 loans per year...but I CAN teach you how to close 6 loans per month. Just copy me and write your own success story. Here's what you'll receive: SYSTEM MANUAL - You get the easy-to-read, 114 page, step-by-step System Manual that outlines my entire refinance marketing process from A-to-Z. I'll even show you my secret method of how you can put a targeted, high-response mailing list together for zero cost. 172 REFINANCE LETTER TEMPLATES - You get ALL 172 powerful, proven, response-generating refinance letters. You can target any type of loan: Conventional (40 letters), FHA (40 letters), VA (40 letters), Jumbo (40 letters), and Conversion (12 Letters).Target: Rate-And-Term, Cash-Out, and Debt-Consolidation Loans. The letters are in electronic format saving you hours of typing. Each letter template is quick and easy to customize. Just type in your name, company, and contact info. The template internally calculates the borrower's new monthly payment and inserts the unique monthly payment into each letter. Plus you get three bonuses: VIDEO TUTORIAL, ADVANCED TECHNIQUES MANUAL, and PAST CUSTOMER REFINANCE LETTER TEMPLATES. Jump start your mortgage career with Instant Refinance Letters. Retail Price 7. One extra refinance closing more than pays for the system. BUY IT today.
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Thursday, November 17, 2011
Modeling the Loan Rate Behavior: The Role of the Inter-bank Money Market and German Bundesbank Policy (Berichte Aus Der Volkswirtschaft)
!: The Best Places to Buy Modeling the Loan Rate Behavior: The Role of the Inter-bank Money Market and German Bundesbank Policy (Berichte Aus Der Volkswirtschaft) Top Quality
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| Price : | Post Date : Nov 18, 2011 01:25:55N/A
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Saturday, November 12, 2011
Monday, November 7, 2011
VCTPL8000 - Victor PL8000 14-Digit HT Printing Calculator
!: Brand new VCTPL8000 - Victor PL8000 14-Digit HT Printing Calculator Top Quality
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| Price : $100.88 | Post Date : Nov 08, 2011 05:45:27Usually ships in 1-2 business days
14 digit calculator is perfect for the everyday advanced user, especially in a busy office setting. Extra heavy duty durability is perfect for power users. Features financial, loan and time calculations. You can count on the fast and quiet 8.0 lines-per-second ribbon printer. Innovative Prompt LogicTM guides the user in performing multiple functions including: installment loans, time calculations, cost/sell/margin, currency and more! The only calculator with a HELP key, which provides instant descriptions and instructions for using functions, displays and prints informative messages. Programmable with up to six user-defined alphanumeric text messages that can be printed on your tape. Bright 14 Digit alphanumeric, 2-color dot matrix display is easy on the eyes. Cost/sell/margin keys make for quick and easy profit margin calculations (simply enter two variables and the third automatically appears). Other functions include: two independent tax keys, currency conversion, constants in multiplication and division, percentage add-on and discount, time/date, change sign key, square root function, large-size add and subtract keys, item count, fully selectable decimal settings, date/non-add key, and selectable rounding switches and 4 key independent memory. AC Powered. 3 Year Manufacturer's Standard Warranty.
Sunday, November 6, 2011
Wednesday, November 2, 2011
Wednesday, October 26, 2011
Friday, October 21, 2011
Tuesday, October 18, 2011
Factors affecting student loan default rates: Nevada System of Higher Education.
!: Low Cost Factors affecting student loan default rates: Nevada System of Higher Education. look for
Nevada's rate of default on college loans is among the highest in the nation. At the time of this study, there were no research studies on defaulters in the state of Nevada. The present study was designed for initial exploration regarding the relationship between various kinds of student factors and default rates from institutions at the Nevada System of Higher Education. The purpose of this exploratory study was to gain a better understanding of default in Nevada. To gain a better understanding of student loan default in Nevada, the following questions were considered: (1) What is the relationship between age, ethnicity, gender, residency, graduation rate, and degree major and loan default rates? (2) To what extent does that relationship differ between Nevada System of Higher Education institutions? To answer these questions, secondary data was collected from the Division of Default Prevention and Management at the United States Department of Education and the Department of Institutional Research at the Nevada System of Higher Education. Since this study aimed at learning about relationships between several independent variables and a dependent variable, a regression strategy was utilized. Among the findings and conclusions of this study were the following: (1). There was a significant and negative relationship between the factor of age and default rates in the Nevada System of Higher Education, (2). There was a significant and positive relationship between the factor of residency and default rates in the Nevada System of Higher Education, (3). There was no significant relationship between the graduation rates and default rates in the Nevada System of Higher Education. Implications of these findings and future researcher are discussed in the final chapter.
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Factors affecting student loan default rates: Nevada System of Higher Education.
Sunday, April 17, 2011
Kennedy Funding slashes fees on loans up to $300 million.: An article from: Real Estate Weekly
!1: Now is the time Kennedy Funding slashes fees on loans up to 0 million.: An article from: Real Estate Weekly Order Today!
Nice Design by :Over All Rating Reviews : 
Great Deal : $5.95Date Created :Apr 17, 2011 11:33:13
Great Deal : $5.95Date Created :Apr 17, 2011 11:33:13Citation Details
Title: Kennedy Funding slashes fees on loans up to 0 million.
Publication:Real Estate Weekly (Magazine/Journal)
Date: May 21, 2003
Publisher: Hagedorn Publication
Volume: 49 Issue: 42 Page: 31(1)
Distributed by Thomson Gale
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Tuesday, March 29, 2011
Commercial Loan Rates - SBA Loans
Currently one of the biggest issues in regards to commercial loan rates, SBA loans and in particular the SBA 7a loans is an inversion between the Prime Rate and LIBOR. As LIBOR has risen above PRIME, this has forced many foreign investors away from buying commercial mortgage securities on our already battered secondary market, further reducing the liquidity in our banking system and pushing commercial loan rates up.
Another challenge here is the SBA sets restrictions on the margin that banks can charged on the commercial loan rates at 2.75% max, above the index, the Prime Rate. The SBA has set this up in an effort to keep rates low for borrowers helping spur our economy.
Commercial Loan Rates
The Prime Rate is currently at 4% while LIBOR is at 4.3% as of the beginning of November. Most capital sources for foreign investors are tied to LIBOR. This is upside down as LIBOR is typically below PRIME creating the needed spread. It simply does not make sense for foreign investors to buy this debt. The SBA announced on 11/13/08 that they will allow banks to change indexes from Prime to the 30 day LIBOR + 3% which should help create the needed spread and hopefully will keep the liquidilty on the secondary market.
Commercial Loan Rates - SBA Loans
!1: Now is the time Bankers Hesitate on Higher Rates.(Industry Overview): An article from: Arkansas Business Order Today!
Nice Design by :Over All Rating Reviews : Great Deal : $5.95Date Created :Mar 30, 2011 02:08:07
Great Deal : $5.95Date Created :Mar 30, 2011 02:08:07Citation Details
Title: Bankers Hesitate on Higher Rates.(Industry Overview)
Author: George Waldon
Publication:Arkansas Business (Magazine/Journal)
Date: January 17, 2000
Publisher: Journal Publishing, Inc.
Volume: 17 Issue: 3 Page: 1
Article Type: Industry Overview
Distributed by Thomson Gale
So what does all of this mean for the borrower that's trying to figure out what to expect on their effective commercial loan rates? The 30 Day LIBOR rate is currently at 1.45% so borrowers should think about their commercial loan rates at 1.45% + 3% + the banks margin of 2.75% = or an effective interest rate of 7.2%. This should be the current maximum rate on SBA 7a Loans. Many banks will offer a lower spread on the 2.75% in an effort to win deals though we are seeing most banks not compete on commercial loan rates but rather on reliability of closing. But strong borrowers might be able to secure 1.5% to 2% over or an effective commercial loan rate of 5.95% to 6.2%.
Commercial Loan Rates - SBA LoansCommercial Mortgage Loans gives you a hand! Video Clips. Duration : 6.80 Mins.commercial mortgages are the best way to meet your business needs. They provide finance when you need it most. However, if you are not sure what type of commercial mortgages to obtain, you can register on-line. This will help you the best deal. You can also approach a creditor who has extensive experience in offering loans. You can offer the necessary guidance. You can get a suitable loan that meets all your needs. You can also determinewhat kind of loan is best suited to your circumstances. You can choose between flexible and fixed rate commercial mortgage loans. This gives you the ability to easily meet all your needs, without having to pay exorbitant interest rates. It provides the necessary funding for your business when you try to buy the property, expanding your business or extend your home. A fixed rate mortgage business offers much needed support when you need it most. A solidinterest rate is very attractive when interest rates rise. This takes into account current requirements. Just in case, interest rates were to change a fixed loan may become more expensive. Depending on the circumstances, you can also choose between a fixed or flexible mortgage. If this type of loan is secure, you can also seek more information online. This will help you with all necessary information in a short period of time. You can choose from a...
Tags: Commercial, Mortgage, Loans, Lending, You, Helping, Hand!
Thursday, March 17, 2011
Commercial Loan Rates in the Credit Crisis
The question isn't "what's your current commercial mortgage rates" but rather "can you actually get this done". All too often we get new potential customers that come to us seeking commercial mortgages and within the first moments they ask what are commercial rates are. We don't blame them, they're just trying to protect their time, and secure the best deal for them, but many borrowers have not faced up to the realities of the current credit crisis.
Obviously it's no secret what is going on, on Wall Street. The government has provided the biggest bail out since the great depression. One of the surprises for many borrowers is that even though many index's, like the treasuries have had substantial drops, the actual interest rates on commercial mortgages have in most Cases gone up (for those banks that are still lending money). Basically the banks have further raised their margins to make the loans more profitable and or to better cover future risks. In some Cases banks have had their own credit rating dropped and as a consequence their cost of capital has shot up. So when they quote rates, or fund commercial mortgages, the rates they offer are seriously affected.
Commercial Loan Rates
But again this is beside's the point. Borrowers should really be investigating if the bank, lender or broker can really close the prospective loan. Questions like "When was the last restaurant (or what ever building type your looking at) you closed? How tough are your new standards? What is your current turn down rate? How clean does the loan request really have to be to get it funded?" You need the representative to level with you. You really have to go deep. Having your loan tied up with a bank for months, that has a low chance of closing from the beginning, is a huge waste of time for all involved.
Commercial Loan Rates in the Credit Crisis
The best way to get a loan qualified is to be totally upfront with the source on whatever the issues are. And there are always issues. Tell the bank and or broker all the good and bad news up front. After they have enough information, they should be able to give you some meaningful answers, including quotes. Obliviously this will take some patience, but not as much that would be needed if you pick the wrong bank that looks at it for a few months than declines the file. And believe me it happens all the time now.
Commercial Loan Rates in the Credit CrisisSecurity Bank of Washington first Tube. Duration : 0.53 Mins.www.dexknows.com Since 1936 1st Security Bank of Washington, focused on providing its valued customers with competitive prices and exceptional service has. Their services include checking and savings accounts, commercial loans, merchant services, home equity loans and mortgages, and much more. Whether its personal or business needs, your money will work for themselves! Stop by one of their many locations today to learn more about their products, services and prices.
Keywords: Mountlake Terrace, Washington, Finance, Checking, Saving, Loan
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Thursday, March 10, 2011
Commercial Loan Rates, Scattered and Unpredictable
Borrowers are constantly trying to figure out what is going on with commercial loan rates. The answer to this question is completely scattered. We are seeing rates come in on the same loan request with a 200 - 400 basis point difference... And what we are talking about here is loans less than five million and non multifamily. Plain old retail, industrial, office, etc, that are either rented out to a "mom and pop" or are occupied by the borrowers business.
Commercial loan rates now range from 4.75% to 7.5% for most deals. This is obviously a huge range and let me clarify the 4.75%. This is only on a quarterly adjustable rate. Normally tied to Prime, which as of this writing is at 3.25%. In addition, this is only for owner occupied properties. For owner occupants that want a fixed rate, meaning 3 -5 years, they should end up being in the mid 6% to 7%'s.
Commercial Loan Rates
This comes as a shock too many borrowers who are listening to the media discuss how low residential rates are. Commercial rates in general are up by 200 basis points or more than residential counterparts and getting fixed rates is becoming harder on a weekly basis. Many banks are leading with adjustable rates with a "take it or leave it" attitude.
Commercial Loan Rates, Scattered and Unpredictable
!1: Now is the time Low loan rates keep commercial building sales down.(Real Estate Special Supplement): An article from: Fairfield County Business Journal Order Today!
Nice Design by :Over All Rating Reviews : Great Deal : $5.95Date Created :Mar 11, 2011 06:24:56
Great Deal : $5.95Date Created :Mar 11, 2011 06:24:56Citation Details
Title: Low loan rates keep commercial building sales down.(Real Estate Special Supplement)
Author: Peter Geilich
Publication:Fairfield County Business Journal (Magazine/Journal)
Date: September 15, 2003
Publisher: Westfair Communications, Inc.
Volume: 42 Issue: 37 Page: S2(1)
Distributed by Thomson Gale
Investment properties are an entirely different story. On this side of the business the real carnage is starting to show itself. Rates are not even a questions. It's really "will this loan really close." Will it really fund? We are seeing loan to values drop to 50 - 60% with most banks, coupled with property values declining. Value is killing many, many deals.
Other issues like debt coverage ratios and minimums on lease term being extended to 5 years, is hurting a lot of requests. Many banks are literally underwriting the file based on the borrower other source of income. If they can't carry the debt, if the tenant goes away, it won't close.
Assuming the request is one that fits borrowers should expect commercial loan rates in the mid to upper 6%'s to low 7% on a 5 year fixed, 25 year amortization schedule.
Borrowers that are in a position to wait for a year or two, should. When the market returns and it will, borrowers will have more options and more control of their situation. Until than commercial loan rates will be random and scattered.
Commercial Loan Rates, Scattered and UnpredictableCommercial housing absorption rates Tube. Duration : 0.37 Mins.www.lendinguniverse.com hard money loan interest produces a powerful combination of commercial mortgage broker, in addition to money loans and bridge mortgage loan. California www.lendinguniverse.com moneylenders and also with commercial mortgage broker with the help of Business ...
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