National Lead Service Revises Equotegrabbers Tax Debt Relief Efforts


Laguna Niguel, CA (Vocus/PRWEB) April 07, 2011

National Lead Service Inc., a solutions oriented provider of on the internet advertising and marketing programs to the financial services industries, announced these days its overhaul of their tax debt relief program. Weve decided to revamp our tax relief efforts. With the economy receiving worse people have taken care of their mortgage, loan modification and unsecured debt amounts but are left with the realization that they cant mess around with Uncle Sam, said managing companion, Michael Dukes.

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Altering their B2C site Equotegrabbers approach to offering tax debt relief, they have focused their advertising and marketing efforts on the customer and have come out with a solid plan to provide private tax debt help. More than the past five years National Lead Service has worked cautiously to restructure their system and come up with an efficient method. Buyers are now in a position to visit the new tax network and get more than a single quote from top quality and trusted sources.

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This economy has left folks with tax liens and unpaid IRS tax debt and it is no secret that the IRS does not give up when it comes time to gather. Obtaining revenue tax debt is not one thing that most Americans want to live with. Equotegrabber has joined up with numerous best lawyer networks handling tax debt relief. They have done a major restructuring of their program and are now ready to give good quality help for these in want.

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It can be a extremely challenging procedure dealing with the IRS, understanding their guidelines and policies. National Lead Service is quite confident that you can uncover all of the individual tax debt help you need to have by filling out 1, easy form. The easiest strategy is letting a professional take more than and handle the stresses entailed with resolving your tax debt.

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For tax relief aid, advice, and contact with qualified experts prepared to assist, please keep connected with Equotegrabber turn out to be a fan on Facebook at http://www.facebook.com/equotegrabber and follow us on Twitter at http://www.twitter.com/equotegrabber.

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Kramer Law: House Assistance Mortgage System (HAMP) Termination Might Lead to Greater Outcomes for Home owners


Calabasas, CA (PRWEB) April 29, 2011

As reported in the Huffington Post, Eighteen Democrats in the U.S. Home of Representatives sided with Republicans in a symbolic vote to terminate the Obama administration’s signature anti-foreclosure program House Help Mortgage System (HAMP). Among these Democrats was California Rep. George Miller, a member of Residence Democratic leadership and a crucial ally to Minority Leader Nancy Pelosi (Calif.), who voted the other way.

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Miller says he produced up his thoughts to vote to kill HAMP right after thinking about stories from California residents who mentioned they tried to get lowered mortgage payments below the system and stated they wound up ripped off or otherwise abused rather.

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Lawyer Philip Kramer, a perennial recipient of the prestigious Southern California Super Lawyer award, understands the issues with the government HAMP plan all too nicely. He represents the biggest group of plaintiffs ever assembled in many mass joinder lawsuits to force banks to modify property owners loans. For most home owners, observes Kramer, HAMP has not been productive. The banks look either unwilling or incapable of offering assistance at least in the expertise of the vast majority of the individuals who come to me.

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Representative George Miller sees it the identical way. “What we saw was just a commonality of abuse by servicers, the banks, of our constituents,” Miller stated. “They have been getting lied to. Their documents had been getting lost on a typical basis. Their phone calls were not returned. They were told they’d be handed off to an additional individual that never took location. They have been told they would be eligible in a couple months that never ever took location.”

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The Treasury Division oversees HAMP and several observers say that they can not punish lenders for their failure to correctly implement HAMP. The Treasury Division argues that the program is entirely voluntary. Even so, it also appears clear that the banks signed a contract with the Treasury Division, and if the banks are not living up to the terms of that contract the Treasury Division can withhold payment. The Treasury Division has refused to take this action therefore far.

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Whats a individual to do? Representative Miller argues, “The actual answer, of course, is to give these individuals access to the courts to get the modification… Philip Kramer definitely agrees. Several interested parties are closely watching his mass joinder suits. If they succeed, maybe Congress will choose to revisit legal treatments like cramdown in bankruptcies, which the banks lobbied heavily to defeat in the 2008 Congressional session. Philip Kramer is pleased to have as many arrows in his quiver as possible to defend his clientele. For now, his mass joinder suits are producing their way by means of the courts.

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ABOUT PHILIP KRAMER&#13

PHILIP A. KRAMER is the senior companion of the Law Workplace of Kramer &amp Kaslow, in Calabasas, California. Kramer &amp Kaslow is Martindale Hubbell AV rated. Mr. Kramer is a perennial recipient of the prestigious Southern California Super Lawyer award.

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Mr. Kramer received his undergraduate degree from Ohio State University and his Juris Doctorate from the Catholic University of America, in Washington, DC. His practice emphasizes commercial litigation and trial advocacy, with a concentration on company litigation, and real home matters. He has prosecuted and defended instances for more than twenty 5 years.&#13

Mr. Kramer is a licensed real estate broker and has spent considerable time delivering legal solutions in connection with genuine estate troubles relating to loan modification and loss mitigation, land use and zoning, environmental troubles, easements, construction and improvement, finance, and landlord tenant matters.

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Mr. Kramer is admitted to practice prior to all courts in the State of California, the United States Supreme Court and the United States Court of Military Appeals. Mr. Kramer has attempted in excess of 200 situations. He has appeared on nationally televised programs concerning pre-trial process and trial technique and has appeared as a guest lecturer on topics ranging from constitutional law to trial practice, and Mr. Kramer often lectures on a broad spectrum of a variety of legal and company concerns.

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Mr. Kramer also serves as a Judge Pro Tem for the Los Angeles Superior Court and as a Mediator.

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Mr. Kramer is also a past president of the Los Angeles West Inns of Court, a national organization devoted to bringing professionalism and civility back into the legal profession. He also serves on numerous Boards of Directors and serves as an officer in several companies. For far more info contact (818) 224-3900 or check out http://kramer-kaslow.com

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Florida Statutes Give Underwater Property owners a Likelihood to Fight Back – MortgageSavers.org Requires the Lead in Florida


Boca Raton, FL (PRWEB) March 29, 2012

Many years ago, since of the mortgage meltdown, millions of home owners found themselves in debt, unemployed and upside down on their mortgage. Then mortgage brokers turn to loan modifications and took millions of Americans down a slippery slope to foreclosure.

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The difficulty was that most banks didnt have the right to modify several of the loans and had no interest in maintaining them in their assets. Fast forward a handful of years and following years of analysis, a Florida land trust and law firm came up with a way to invalidate particular mortgages that had been assigned improperly. They located case law and statutes that gave home owners an edge in court and began deleting mortgages that had been not enforceable.

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These statutes are black and white and offer you relief to homeowners hunting to reduce the amount of debt they have on their properties. Home owners can be approved for this program in as tiny as 24 hours and can receive a new mortgage at 80% of todays value in just 30 days. There is no application charge or any upfront fees at all which tends to make this plan a win-win situation for anybody hunting to bring their LTV to 2012 rates.

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Anybody interested in this plan must speak to Mortgage Savers at 800-981-0476 and ask for a totally free on the internet explanation. An approval can be obtained in 24 hours and any individual can save thousands of dollars of their mortgage principal as effectively as hundreds of dollars per month. There is no credit verify for this plan because the approval is based strictly on the house. Finally a location exactly where an individual can discover real assist in a time exactly where home owners are losing their properties since they are so underwater.

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They have launched a video presentation on YouTube and it can be seen: here

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Kramer-Kaslow: U.S. Foreclosure Procedures Could Lead to More Bank Accountability


Calabasas, California (PRWEB) May possibly 02, 2011

According to the New York Times, many of the nations prime mortgage servicers are acquiring prepared to sign agreements with regulatory officials to reform the way they deal with foreclosure procedures.

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According to the article, sources who asked not to be named due to the fact the talks among the servicers and regulators are confidential, say there will be substantive adjustments to the ways banks and servicers do enterprise going forward. Homeowners will have a single get in touch with point rather than becoming shuttled back and forth amongst random servicing staff, bank and servicing personnel will acquire a lot more training, and oversight of the lenders and servicers will be assigned to third parties in all likelihood this will be performed by law firms. In addition, servicers will agree to halt foreclosure proceedings while loan modification discussions are ongoing. Yet another component of the agreement ostensibly provides for a compensation pool for folks who have been wronged.

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Lawyer Philip Kramer of the law firm of Kramer &amp Kaslow feels the alterations are lengthy overdue. Lenders have been abusing property owners for years, Kramer says when contacted for a comment. What I see right here is banks agreeing to a bare minimum standard, one thing that ought to have been in location all along. The agreement doesnt begin to rectify the enormous wrongs that have been perpetrated. And these wrongs took spot more than a lengthy period of time. This strikes me as an try to stay away from responsibility rather than accepting responsibility.

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Philip Kramer applauds the new rules but nevertheless feels that this is the bare minimum banks must have been undertaking all along. When the pressures on, people have a tendency to see the light, says Kramer. I have observed a lot of jailhouse conversions in my time. And thats what this feels like to me. The compensation system is probably to be entirely insufficient. My guess is that the banks are trying to get ahead of the Attorneys Generals and the civil law suits that are generating their way via the system.

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According to Kramer, the proposed settlement agreement would be with bank regulators. He says the fifty Attorneys General, representing all the states in the union, are also conducting their own discussions with lenders and recently met at the Justice Division. Lenders appear to be positioning themselves to accept new regulations covering their activities even as they attempt to cut a separate deal with the Attorneys Generals and the Justice Department, says Kramer.

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Philip Kramer feels that the banks have ultimately begun to acknowledge what he calls their outrageous conduct. Theyve recognized that what they have carried out is not going to be swept below the carpet, says Kramer. The American public has finally woken up to the egregious nature of the banks behavior. The banks get that. There is a lot of wrongdoing to be undone here. Frankly, what were seeing now strikes me as too little, too late.

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http://www.nytimes.com/2011/04/06/company/06mortgage.html?_r=1&ampref=business&#13
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ABOUT PHILIP KRAMER&#13

PHILIP A. KRAMER is the senior companion of the Law Office of Kramer &amp Kaslow, in Calabasas, California. Kramer &amp Kaslow is Martindale Hubbell AV rated. Mr. Kramer is a perennial recipient of the prestigious Southern California Super Lawyer award.

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Mr. Kramer received his undergraduate degree from Ohio State University and his Juris Doctorate from the Catholic University of America, in Washington, DC. His practice emphasizes commercial litigation and trial advocacy, with a concentration on business litigation, and true property matters. He has prosecuted and defended situations for over twenty 5 years.

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Mr. Kramer is a licensed real estate broker and has spent considerable time offering legal solutions in connection with genuine estate troubles relating to loan modification and loss mitigation, land use and zoning, environmental concerns, easements, building and improvement, finance, and landlord tenant matters.

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Mr. Kramer is admitted to practice prior to all courts in the State of California, the United States Supreme Court and the United States Court of Military Appeals. Mr. Kramer has tried in excess of 200 cases. He has appeared on nationally televised applications with regards to pre-trial procedure and trial method and has appeared as a guest lecturer on topics ranging from constitutional law to trial practice, and Mr. Kramer often lectures on a broad spectrum of numerous legal and company issues.

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Mr. Kramer also serves as a Judge Pro Tem for the Los Angeles Superior Court and as a Mediator.

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Mr. Kramer is also a past president of the Los Angeles West Inns of Court, a national organization dedicated to bringing professionalism and civility back into the legal profession. He also serves on numerous Boards of Directors and serves as an officer in several companies. For a lot more details call (818) 224-3900 or pay a visit to http://kramer-kaslow.com

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Kramer and Kaslow: Reports Show Foreclosures Lead to Rise in House Defense Crimes


Calabasas, CA (PRWEB) June 14, 2011

According to Philip Kramer, lead attorney for the Law Offices of Kramer and Kaslow, property defense crimes may possibly be on the rise. The lawyer cites a Might 19, 2011 New York Times report. The article reports that, on Jan. 19, 63-year-old Tanya Dennis hired a locksmith and broke into her South Berkeley residence. This practice has come to be recognized as residence defense. Home defenses are on the rise, Anthony Panarese, an organizer with the Alliance of Californians for Neighborhood Empowerment, a coalition of neighborhood groups, is quoted in the post.

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Sector analysts additional explain in the New York Occasions piece, The circumstance is exacerbated by Californias dual-track foreclosure law, which allows a lender to negotiate with a homeowner even though also continuing the foreclosure method. In a lot of circumstances, the bank doesnt recognize the homeowner has a modification pending or even approved, and the bank is continuing its foreclose procedure, said G. Marcus Cole, a Stanford University law professor.

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California-based, consolidated plaintiff litigation lawyer Philip Kramer, senior partner in the law firm of Kramer &amp Kaslow observes, I realize the impulse. The scenario is chaotic and unfair. In the end, this has to be resolved in the courts.

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Far more of Philip Kramers analysis can be identified at the Law Offices of Kramer and Kaslow weblog.

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ABOUT PHILIP KRAMER&#13

PHILIP A. KRAMER is the senior companion of the Law Workplace of Kramer &amp Kaslow, in Calabasas, California. Kramer &amp Kaslow is Martindale Hubbell AV rated. Mr. Kramer is a perennial recipient of the prestigious Southern California Super Lawyer award.

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Mr. Kramer received his undergraduate degree from Ohio State University and his Juris Doctorate from the Catholic University of America, in Washington, DC. His practice emphasizes commercial litigation and trial advocacy, with a concentration on business litigation, and actual home matters. He has prosecuted and defended instances for over twenty 5 years.

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Mr. Kramer is a licensed genuine estate broker and has spent considerable time providing legal services in connection with actual estate concerns relating to loan modification and loss mitigation, land use and zoning, environmental problems, easements, construction and improvement, finance, and landlord tenant matters.

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Mr. Kramer is admitted to practice just before all courts in the State of California, the United States Supreme Court and the United States Court of Military Appeals. Mr. Kramer has tried in excess of 200 circumstances. He has appeared on nationally televised applications with regards to pre-trial process and trial approach and has appeared as a guest lecturer on subjects ranging from constitutional law to trial practice, and Mr. Kramer often lectures on a broad spectrum of numerous legal and enterprise issues.

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Mr. Kramer also serves as a Judge Pro Tem for the Los Angeles Superior Court and as a Mediator.

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Mr. Kramer is also a past president of the Los Angeles West Inns of Court, a national organization dedicated to bringing professionalism and civility back into the legal profession. He also serves on several Boards of Directors and serves as an officer in a lot of firms. For much more information get in touch with (818) 224-3900 or go to http://kramer-kaslow.com

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University of Colorado Professor to Lead NASA Campaign to Study North American Air Top quality

Boulder, CO (PRWEB) June 06, 2013

A University of Colorado Boulder professor is leading a key NASA airborne science campaign this summer time that will probe climate patterns and air pollution over a vast expanse of North America that have prospective worldwide climate consequences.

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The campaign, recognized as the Research of Emissions, Atmospheric Composition, Clouds and Climate Coupling by Regional Surveys, or SEAC4RS, will allow researchers to look at the atmosphere from leading to bottom at a crucial time of year when sturdy weather systems pump chemical substances from regional air pollution higher into the atmosphere, mentioned CU-Boulder Professor Brian Toon, the project science leader. The team will use a suite of scientific instruments aboard 3 aircraft: a NASA DC-8 airliner converted into a flying laboratory, the agencys high-altitude ER-2 — a contemporary version of the Air Force U2-S reconnaissance aircraft — and a Spec Inc. Lear Jet from Boulder equipped with sophisticated sensors to measure the properties of clouds.

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The multimillion-dollar project will involve a lot more than 250 scientists, engineers, students and flight personnel from 5 diverse NASA centers, the National Center for Atmospheric Analysis in Boulder, the National Oceanic and Atmospheric Administration and 15 universities, like CU-Boulder, Harvard University, the California Institute of Technologies and the University of Innsbruck. The investigation flights in the SEAC4Rs campaign are slated to begin in August and run by way of the end of September.

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There are a number of mission goals, mentioned Toon, a professor in CU-Boulders atmospheric and oceanic sciences department. The group desires to recognize how air pollution and other substances like water, for instance, are carried from Earths surface to the stratosphere, because they can impact climate and the ozone layer. Whilst such vertical transport occurs everyday in the course of random thunderstorms, it also occurs in organized systems like hurricanes and the North American Monsoon, which covers a massive region of the American Southwest as nicely as Mexico, Central America and northern South America each and every summer season, bringing rain to arid lands, he mentioned.

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A second aim is to chart how emissions from plants and domestic animals are interacting with air pollution, said Toon, who also is affiliated with CUs Laboratory for Atmospheric and Space Physics. In the southeast United States, there are large atmospheric emissions from plants and folks that affect air high quality, he said. When the air from these two sources is mixed, uncommon chemistry can take place, potentially impacting human well being. Satellites show a massive modify in these emissions between August and September, which we would like to know much more about.

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The team also is interested in greater understanding how smoke impacts climate and will study intense North American forest fires hurling enormous plumes of smoke into the atmosphere that can drift across the Atlantic Ocean to Europe. By altering cloud properties and by absorbing sunlight, smoke can have a important impact on the climate, he stated.

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In addition, the SEAC4RS air campaign will be used to measure the accuracy of NASA satellites, create new methods for gathering atmospheric data and to find out a lot more about the planet from space. Numerous NASA Earth-observing satellites are involved in the project, including CloudSat, CALYPSO and GOES.

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The SEAC4Rs campaign will be based at Ellington Field in Houston, which is operated by NASAs Johnson Space Center, and at NASAs Dryden Investigation Center in Edwards, Calif.

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LASPs Sebastian Schmidt and Peter Pilewskie — Pilewskie also is a professor in CU-Boulders atmospheric and oceanic sciences department — will be studying radiation from the sky and how it is impacted by aerosols like smoke, air pollution and clouds. LASPs Lynn Harvey will aid with flight organizing and forecasting, while two of Toons students, Chris Maloney and Pengfei Yu, also will support with flight arranging.

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This is a wonderful chance for graduate students, stated Toon. Not only do they get involved in a big field plan, they also get to meet the scientists from the United States and other nations involved in the project. These varieties of campaigns are a great opportunity for our students to become component of the wider scientific neighborhood and to demonstrate their personal abilities.

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Some of the NOAA researchers involved in SEAC4RS are affiliated with the Cooperative Institute for Study in Environmental Sciences, a joint venture of CU and NOAA. CIRES scientist Jose Jimenez, also a professor in CU-Boulders chemistry and biochemistry department, will be studying air pollution particulates, which includes soot unleashed by forest fires. A number of CU-Boulder graduate students from CIRES also are involved in the campaign.

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Toon was one particular of two mission scientists for a $ 12 million NASA campaign in 2007 operating out of Costa Rica and involving 600 scientists, students and assistance employees to measure how tropical storms influence international warming and stratospheric ozone depletion. In 2011, the American Geophysical Union awarded Toon the Revelle Medal for his groundbreaking perform on the effects of aerosols and clouds and climate.

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The SEAC4Rs campaign is sponsored by the Earth Science Division in the Science Mission Directorate at NASA Headquarters in Washington, D.C., with assistance from the National Science Foundation and the Naval Research Laboratory.

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Does Dairy Trigger Acne? Probiotic Action Shares New Insight on the Lead to of Acne


Miami, FL (PRWEB) June 06, 2013

Recent news from Consumer Affairs reported data on the facts and myths associated with acne and its causes with some fascinating findings linked to hormones, meals, and acne breakouts. Of the several claims of food, tension, bacteria and hormones causing breakouts, few have been able to figure out which mixture of the listed elements tends to make acne worse, until recently. Of the information discussed by Consumer Affairs,info from a Harvard University study depicted the hyperlink in between hormones identified in milk, and acne breakouts. Probiotic Action explains far more on the trigger of acne, the information on acne treatment, and how dairy primarily based products can contribute to the skin situation.

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Despite the fact that acne symptoms modify from one particular individual to the subsequent, professionals agree that variations in hormone levels that occur naturally, improper diet program, and the presence of P.acnes bacteria are the most significant culprits. For every single individual undergoing acne therapy, obtaining an acne treatment that is tailored to their skin kind may be difficult. Probiotic Action suggests that to find the best acne therapy, a single need to recognize what foods impact their bodily functions, hormone levels, and recognize what feeds the P.acnes bacteria that trigger acne.

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Probiotic Action spokesman Fernando Perez states that for those who consume massive amounts of dairy products, it is not the cheese, milk, or yogurt especially that is causing the breakout, but the hormones from the cow that are passed on via food.

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A lot of do not understand that aside from the obvious sugary food things, numerous other foods contain chemical substances and ingredients which contribute to acne. For these who consume big amounts of dairy items, even if the item consists of probiotics which aid battle acne, the ingestion of hormones can imbalance ones chemical composition and contribute to an acne breakout, adds Perez.

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Historically, junk food and other processed meals has been identified to trigger acne, but not for the mythical reasons several believe. Specific varieties of sugars break down and feed the bacteria that lead to acne, even though other individuals stimulate raised insulin levels which offset the bodys chemical balance.

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For these who are searching to remedy their acne, discovering a natural remedy for acne, and producing minor diet modifications that steer clear of excess sugar and hormone may possibly be the ideal way to control hormone and bacteria driven acne from thriving. For more data on the trigger of acne, and what triggers acne, check out ProbioticAction.com.

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Probiotic Action is an sophisticated acne treatment that utilizes Probiotics for acne containing the excellent bacteria that is naturally located on wholesome human skin. By using probiotics, Probiotic Action is an effective remedy that restores the normal bacteria content material on skin, while battling what causes acne. Probiotic Action will effectively clear skin when employed as an adult acne therapy whilst defending skin against negative bacteria, cost-free radicals, and pollutants*.

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*These statements have not been evaluated by the Meals and Drug Administration. Probiotic Action is not intended to diagnose, treat, remedy or prevent any illness.

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California HARP Mortgage Lenders Continue to Lead the Nation in HARP Loans as the Housing Market place Heats Up


Los Angeles, California (PRWEB) June 06, 2013

Harp Mortgage Lender, a national lending network of mortgage pros approved to work with the Obama Administrations Residence Reasonably priced Refinance Plan (HARP), reports that current data from the Federal Housing Finance Agency (FHFA) sees California as the No. 1 user of HARP loans in the country via early 2013, a trend that has been occurring all through the programs four-year history, and 1 that continues to spell savings of over $ 4,300 a month on average for the HARP-eager borrowers of the Golden State, who have been steadily utilizing a lot more and much more loans as the housing market continues to heat up.

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In the FHFAs Refinance Report published May 7, California HARP borrowers utilized 14,204 HARP loans for the most current month on record, February of 2013. This was up 27 loans from Januarys total of 14,177, and up a whopping two,990 loans from 11,214 in the final month of 2012all signs that there is only rising demand for a system that had as many loans in 2012 nationwide (1.1 million) as it did in its initial three years prior to that combined. A reason for this boost is undoubtedly the revisions to HARP in late 2011 that produced the program much more accessible to deeply underwater borrowers, not to mention the recent housing rebound that is seeing median property sales values spiking in 2013 from San Diego up to San Francisco, giving underwater borrowers significantly much more of an incentive to hang on to residences which have grow to be increasingly useful assets.

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CLICK Here to verify HARP loan eligibility.

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In reality, the most current data from analytics company RealtyTrac sees the median sales value for properties in L.A. up 14.7 from a year ago, up 19 percent in San Diego, and up a California metro-major 30.four percent in Bakersfield from the previous year. What this data implies for underwater borrowers is that its a wonderful time to get locked into the low California HARP rates ahead of they rise alongside the prospering California housing market. It also indicates that Californians are beginning to see homes as a profitable investment again, which could clarify why RealtyTrac sees foreclosure filings down 59 % year-over-year.

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Combine these stats with the current prediction by Fannie Mae that California HARP refinancers are saving far more than $ four,300 a year on their mortgages, and its clear why tens of thousands of Californians are turning to the program every month. A single could argue that HARP loans are a lot more useful than ever just before to California borrowers trying to keep away from a foreclosure or brief sale, says Alameda, California Mortgage Professional Garrick Werdmuller at Very first Priority Economic. Positive, $ four,300 a year is a nice chunk of modify, but that quantity could really pale in comparison to the return borrowers who use HARP to stick with their mortgage could reap numerous years from now if the housing market place continues to gain worth at this price.

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CLICK Here to apply for a HARP loan

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About HARP

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The Property Affordable Refinance Plan was amended in October of 2011 via an agreement amongst the Federal Housing Finance Agency (FHFA), Fannie Mae, and Freddie Mac, which simplified the accessibility of the plan for borrowers searching to refinance by way of mortgage lenders.

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A main goal of the Home Reasonably priced Refinance Program (HARP) is to help accountable borrowers with the method of streamline refinancing. Eligible borrowers who are current with mortgage payments but have noticed their property lose worth are given the selection of HARP refinancing.

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HARP two. eligibility suggestions:

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1) Fannie Mae or Freddie Mac owns or has guaranteed very first loan.&#13

2) Fannie or Freddie purchased the loan prior to Might 31, 2009.&#13

three) Borrowers must be current with mortgage payments.&#13

4) Borrowers owe more than their house is worth, or there is minimal equity.&#13

five) All mortgage payments have been prompt in the previous six months.&#13