Top 10 Muslim Women Podcasts Contents [show] ⋅About this list & ranking Muslim Women Podcasts The DOPE Muslim Woman Podcast Dearborn Girl Mindful Muslimah Speaks A Muslim Mom Amaliah The Podcast Boss Hijabi Preneur Podcast Naptime Is Sacred Professional Muslim Women The Qarawiyyin Podcast Salam, Girl! Submit Blog Do you want more traffic, leads, and sales? Submit […]
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Top 30 Cryptography Blogs Contents [show] ⋅About this list & ranking Cryptography Blogs The International Association for Cryptologic Research (IACR) CRYPTOMAThIC Cryptosense A Few Thoughts on Cryptographic Engineering AWS Security » Encryption ScienceDaily » Encryption News HOTforSecurity » Encryption Naked Security » Cryptography Hacker Noon » Cryptography MIT News » Cryptography Threatpost » Cryptography MediaNama » Encryption […]
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Top 10 Thrift Store Podcasts Contents [show] ⋅About this list & ranking Thrift Store Podcasts Thriftycast 69 Cent Special The Lost RPM Podcast Self-Created The Radioaffliction Long Range Sarcasm | The LRS Records Podcast The Found *NSYNC Fan Fiction Radio Hour Submit Blog Do you want more traffic, leads, and sales? Submit your blog below if you […]
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Teaneck, NJ (PRWEB) November 17, 2004
When Daniel Altmark, a Staten Island native, decided to relocate his residence to Israel, small did he know that his selection impacted a lot more than just the instant members of his family. At the time, Altmark was lead underwriter at Approved Funding, a direct mortgage lender, who had relied on him for streamlined approvals on their borrowers. An underwriter is the particular person accountable to determine and sign off on the credit worthiness of applicants who apply for mortgage loans. We were quite content for Daniel on his choice to move to Israel, recalls Shmuel Shayowitz, Senior Vice President of Approved Funding, but we had been fairly concerned about our existing loans and new clients. The organization started to scramble for possible options, but the existing scenario was without doubt their preference.

With such in-residence underwriting capabilities, Authorized Funding found a niche as a direct lender that was not very the norm in the oversaturated mortgage sector. Most mortgage brokers and modest bankers do not have underwriters and are forced to outsource this task via different costly and time consuming channels. Via in-house underwriting Authorized Funding is able to make their personal credit decisions and rely on frequent sense conclusions when reviewing applications submitted to them for evaluation. During the refinance boom of 2003, it took most banks far more than four weeks to underwrite a loan, and we had been able to do it in a matter of hours which gave us a considerable edge, says Uri Dreifus, Approved Funding Vice President of Sales. Altmark, who was promoted from his preceding loan office position inside the firm was educated and educated on the job. He was in a position to make use of information and understanding learned at Authorized Funding, to help make judgment calls that other underwriters just would not be capable to make. This capability helped improve the companys over all approval rating on its loans to more than 90%.

Altmarks choice to make Aliyah, to relocate his complete household to Israel after the summer time of 2004, was absolute and each he and Authorized Funding had been forced to make life altering choices. Following significantly study and investigation, the organization and Altmark concluded that with some slight modifications and technological enhancements it would be possible to have Altmark continue underwriting for the company despite being situated in Israel. It is not that uncommon for residents of Israel to commute back to the states for their job. Some companies are capable to develop an international branch within Israel to complete the work by way of computer systems and email, but by no means before had these functions been attempted for the mortgage business. To my knowledge, this was the first of its kind in our industry for such a core member of the mortgage process, says Shayowitz. Approved Funding contracted with Independent Personal computer Upkeep, of Clifton, New Jersey to reconfigure their network and set up remote access for Altmark. This would let him the ability to seamlessly connect to the New Jersey operations center and function entirely from Israel with out missing any components of getting offsite. Altmarks move to Israel came in late August and because its start off, the process has been fairly easy. Mortgage applications and supporting documentation are scanned through a higher energy scanner at the New Jersey operations center of Authorized Funding and are posted to the network for accessibility by Altmark. An e-mail is then sent to Altmark informing him of the new application and often a short overview of the file. Loans are normally reviewed and authorized within hours of their receipt. To everyones surprise, the general turnaround time for loan approvals has decreased as a outcome of this system. Without having the distractions of becoming in the office, Altmark is capable to concentrate all of his attention and time on dealing with the files in front of him. The organization has plans on converting some of the other skilled processors in their other offices to become underwriters as well although sustaining Altmarks role as Senior underwriter. To date, all of Approved Funding offices in Passaic, NJ, Brooklyn, NY, Hollywood, FL, Lawrence, NY and Teaneck, NJ use Altmarks underwriting capabilities through this international partnership. This extended distance connection has turned into a win-win for the firm, Daniel Altmark, and the customers of Authorized Funding.

Approved Funding is a direct mortgage banker licensed in New York, New Jersey, Connecticut and Florida and originates loans by means of its retail offices and its network of in-property mortgage consultants.

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Related Loan Modification Press Releases
(PRWEB) December three, 2004
1. Never ever talk about your household finances over the phone with the collection department. What you dont know is that you are getting qualified and not know it.

This is the easiest and fastest way to get a turn down. Request a property owners assistance package so that you can submit the call for information.

two. In no way tell them you are broke. Even although you may possibly qualify for a unique forbearance or modification, you will nonetheless need legal fees and foreclosure cost.

These costs can not be place back into the loan. Your lender prepaid them to their attorney to commence the foreclosure process.

three. Never inform them you do not reside in the home. Under FHA guidelines, just before you are granted any exercise, you have to reside in the house. If you have moved out and your home became an investment house, you far better get a person in there with a lease or rental contract ahead of the sale date.

four. Never ever tell them you are not operating, in most cases you will not be authorized.

Depending on your sale date, your mortgage lender might not be capable to qualify you for a unique forbearance simply because of the amount of time left.

If you cant find a job, I recommend you commence a little organization months ahead of your sale date, make some cash, deposit your revenue and prepare a Profit and Loss Statement to prove earnings. Telling them you get paid cash and you cant prove it wont hold water.

5. By no means tell them the explanation you fell behind is because you mismanage your cash. How do you count on for them to give you a workout when you still have the possible of falling behind once again?

Copyright Bobby Johnson 2004. All rights reserved.

Bobby Johnson is a Comprehensive Monetary Planner who speaks on the topic ‘How to Remove Debt and Construct Wealth’, ‘How To Get Triple AAA Credit with The Support From The IRS.’ ‘How Organization Owners Can Save Their Organization Without having Filing Bankruptcy’ he is the author of ‘Four Hours to Economic Freedom’ and ‘Attract More Clientele, Win Back Pass Buyers & Make A lot more Money’. Bobby has saved home owners millions by not filing Chapter 13 and exposing the secrets employed by mortgage lenders title in his latest book “How To Save Your Property From Foreclosure and Not Lose Your Mind” http://www.foreclosuremanual.ieasysite.com

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(PRWEB) February 5, 2005
The primary consideration is based on how extended you program to stay in the home.

Refinancing can be a very good concept for home owners who:

Want to get out of a high interest price loan to take advantage of reduced prices. This is a great idea only if they intend to stay in the property long adequate to make the additional fees worthwhile. 

Have an adjustable-rate mortgage (ARM) and want a fixed-rate loan to have the certainty of realizing specifically what the mortgage payment will be for the life of the loan. 

Want to convert to an ARM with a lower interest rate or more protective functions (such as a greater rate and payment caps) than the ARM they currently have. 

Want to construct up equity much more speedily by converting to a loan with a shorter term. 

Want to draw on the equity built up in their home to get money for a key obtain or for their children’s education. 
If you decide that refinancing is not worth the costs, ask your lender whether or not you could be capable to acquire all or some of the new terms you want by agreeing to a modification of your existing loan rather of a refinancing.

Should You Refinance Your ARM? In deciding no matter whether to refinance an ARM you must consider these inquiries:

Is the next interest rate adjustment on your current loan likely to boost your month-to-month payments substantially? 

Will the new interest rate be two or three percentage points greater than the prevailing prices getting supplied for either fixed-rate loans or other ARMs? 

If the present mortgage sets a cap on your month-to-month payments, are those payments massive adequate to spend off your loan by the finish of the original term? 

Will refinancing to a new ARM or a fixed-price loan allow you to spend your loan in full by the finish of the term? 
If you reside in Michigan and need to have assistance, please make contact with us.

CatholicMortgage.org

17199 Laurel Park North

Suite 315

Livonia, MI 48152

(248) 935-8355

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http://catholicmortgage.org

Helping households live far better lives
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Much more Loan Modification Press Releases
St. Louis, MO (PRWEB) January 9, 2007
Reverse mortgages, also named Residence Equity Conversion Mortgages, have gained reputation more than the last couple of years, and as a result, have gained more media consideration. Valerie VanBooven RN, BSN, PGCM, lengthy-term care and reverse mortgage expert warns that many recent articles, such as these posted on Bankrate.com and in the Wall Street Journal contain misleading information, and leave out important information about this federally regulated program.

“Some of the most essential elements of reverse mortgages are their capacity to aid seniors in crisis. A reverse mortgage can off-set the astronomical expense of lengthy-term care, and can keep individuals off of Medicaid for longer periods of time, ” states VanBooven.

Some use the equity for extended-term care demands, to pay bills, pay off existing mortgages or debt, spend for prescription drug fees, residence improvements, home modifications, or to basically be in a position to get pleasure from life a little far more by traveling and enhancing their retirement cash flow. Many seniors use reverse mortgages to spend high house tax bills, and have even been saved from foreclosure and bankruptcy simply because they applied for a reverse mortgage.

Other seniors use reverse mortgage proceeds to fund advanced estate arranging strategies. This includes rising the value of their estate by way of life insurance purchases, arranging ahead for future extended-term care demands, assisting grandchildren with college funding, creating charitable donations, and to convert IRA funds to Roth IRA funds, just to name a couple of.

Valerie VanBooven RN, BSN, PGCM (http://www.theltcexpert.com) warns that many newspaper, Tv, radio and internet articles circulating in the media give inaccurate and misleading details about reverse mortgages. According to VanBooven, the so-known as “experts” who are interviewed for quotes usually have no involvement in the mortgage market and do not comprehend the federal law that regulates these loans.

“The media attracts much more readers, viewers, and listeners when they can spin an write-up or report to make it far more fascinating, scary, or dramatic. I would encourage every person contemplating a reverse mortgage to educate themselves by means of reliable internet sites and info, talk with a expert, and then make an suitable decision. Shoppers are capable to make informed decisions when armed with the information,” says VanBooven.

Some websites to assessment consist of http://www.reversemortgage.org , and http://www.fanniemae.com .

Each and every customer need to make it his or her own duty to speak with an professional. Valerie VanBooven has written a tip and fact sheet that addresses all of the myths and misconceptions with regards to reverse mortgages. You can uncover all of the information needed by going to Valerie’s blogs at http://www.seniorserviceselling.com or http://www.theltcexpert.com/website/371/valeries_weblog.aspx

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(PRWEB) October 23, 2008
The 2008 Fixed Earnings Fund, Ltd(BVI) paid its monthly dividend 1/12 payments annualized 9.five% and ARE Chance Fund, Ltd(BVI) for 2008 is averaging 18.84%, and for the Month of September 2008 ARE Opportunity Fund, Ltd(BVI) Returned 1.57% or 19.53% annualized.

ARE Fundamentals – No external leverage, no prime broker accounts, no second lien paper, no equity, no sub-managers. All 1st mortgage and REO bought at deeply discounted levels, and a smaller sized quantity of senior performing loans against industrial genuine estate assets. 2008 represents the best atmosphere considering that 1982 for ARE approaches and systems of returns on investment.

ARE DIFFERENTIATION KEYS TO Constant RETURNS, BUT HEAVY ON Experience
1.] ARE: Low volume, constant returns via loan re-efficiency: Most of the returns in the ARE Chance Fund are created by acquiring pools of delinquent and defaulted residential mortgage loans from banks at deep discounts to the underlying genuine estate values and obtaining the borrowers to make payments once more by modifying the terms of the loan in their favor. Our greatest strength comes from receiving loans to re-carry out in this manner, holding them for income or selling them back to the capital markets. This is central to the returns in the latest fund given that launch on Could 30: (net efficiency in June, July, Aug was 1.59%, 1.89%, and 1.47%, respectively). ARE has been running this strategy considering that 1996 for higher net worth international households, and from 2004-2007, per a recent accounting study for an investor due diligence plan, we have returned 16.5% net, with no down months.

2.] At ARE we see that the future of mortgage banking looks like its past: The market has place blind-lending behind us, and we have returned to perform old-fashioned credit evaluation on a homeowner just like home mortgage lenders used to do. The primary difference between the task we face and the old-fashioned lender is that a person let these home owners into the house before conducting the credit evaluation, which modifications considerably the modus operandi! As soon as borrower, asset, and financing prove to be mismatched, the inevitable symptom of delinquency and default cries for treatment that banks are ill-equipped to dispense, now in unprecedented numbers.

three.] ARE is capable to administer the remedy to cure bad loans after a bank (seller) has elected to take a sizable loss: Getting acquired loans at deep discounts, when the possibility of borrower re-overall performance has been eliminated, what comes next in our process calls for a breadth of expertise such as we have created in “loss mitigation”. Powerful “Loss mitigation” implementation is typically at odds with a bank’s culture and aim of becoming a repository for performing loans renegotiating with your borrowers is also noticed by bankers as a slippery slope. Soon after failed re-efficiency on the loan we will typically look to offer you a “deed in lieu” or a “keys for cash” system for a rapid resolution and to stay away from a prolonged, full-blown foreclose action against the borrower, and decimation of the borrower’s credit rating.

4.] At the point we have the keys in hand- what sets us apart: ARE is also a a lot more efficient steward of foreclosed home than banks can be: We are efficiently hunting to sort properties even before we have the keys. In locations with a certain trajectory of employment growth, combined with low levels of actual estate owned by banks, we appear to effect a fast sale, targeting an IRR in the low-to-mid twenties. Exactly where we see a shortage in provide of rental properties or high levels of unsold houses at costs making a quick sale unlikely, we enter the house into a rental system, very frequently to the former owner. What has earned us the respect of our peers is our capability to profitably transition sfh’s to rental properties. While nationally the US made a difficult run at receiving over 69% residence ownership, we are in a pullback on that front, and will have a require to ride out a period of home ownership retrenchment. ARE, from 12 years of expertise in non-performing loans, knows sufficient to be capable to “dance in between the raindrops” and steer clear of markets exactly where lucrative loan disposition is tough to obtain, or to discount bids in such markets appropriately.

five.] In the worst of regional markets, simple guidelines apply: 1. We preserve REO occupied, preventing “board-up” of foreclosed property whenever attainable (and the 10%-15% min loss in house worth that goes with it).

6.] When targeting a house for entry into a rental plan, if we can’t accomplish a mid-teens return, we try entry of that asset into a federal or state plan whereby a majority of the rent payment is guaranteed by a federal or state entity (e.g. Housing Decision Voucher Plan, which is a sort of federal help supplied by the United States Department of Housing and Urban Development (HUD)).

7.] Turn over assets whenever feasible: 12 years of coming in and out of markets with discipline teaches us lessons about the financial stability of neighborhoods, nearby job markets, and so forth. These are lessons we can constantly re-apply on subsequent opportunities. Thoughtful entry of each industry or loan with an eye towards 1 of 10 paths* for potential disposition/resolution, expertise, experience, and willingness to pursue all ten is the essential that makes it possible for ARE to preserve capital and consistently outperform much more casual distressed actual estate investors.

*ten paths* for possible disposition/resolution:
Keys for cash-Rental conversion
Keys for money-Open market place Sale 
Keys for cash-Government sponsored rental
Deed in lieu-Rental conversion
Deed in lieu- Open industry Sale 
Deed in lieu- Government sponsored rental
Full-foreclosure- Rental conversion
Complete-foreclosure- Open market place Sale
Complete-foreclosure- Government sponsored rental
Loan Modification- Homeowner retention & loan re-performance

ARE PROMOTIONAL NOTE TO: Financial Brokers, IFA, Loved ones Offices or ARE Independent Reps can earn prorated commissions against ARE advisory and efficiency charges of up to 20% of capital invested. And due to market conditions of the unprecedented spread in the complete loan sector and our require to maximize returns, we have a promotion on our commissions around our 6 year 9.5% Fixed Income Fund, Ltd. Class A shares with an extra two.five% Charge paid-out at .05% more than 5 years and for our Chance Fund on AA Shares 5 years with an extra three% of capital invested paid net 30 days. For far more info.

For those interested in password access to the safe offerings on our site please Speak to: Clifton Onolfo, Managing Director at CliftonOnolfo@arecapital.net + 1 786 838 9700 http://www.arecapital.net
Tampa, FL (PRWEB) November 26, 2008
With tens of thousands of home owners in difficulty with their lenders, numerous are trying to discover solutions that will keep them in their properties and leave them comparatively unscathed. Most do not know what choices they have, let alone how to collect enough data to make an educated choice.

CreditLoan.com offers cost-free articles on subjects pertaining to mortgage loan modification, mortgage refinancing, residence equity loans, and other possibilities obtainable to home owners.

“Although politicians and the media debate about the housing crisis and the existing economy, these items are affecting a lot of homeowners on a extremely actual, very individual level,” stated Daniel Wesley, CEO of Credit Loan. “Our website’s objective is to educate these people about their choices.”

Struggling property owners have a selection of options for avoiding foreclosure and brief sales, such as mortgage loan modification and mortgage refinancing. However, it is critical for home owners to understand the differences so that they can make informed decisions about what method would be ideal for them.

“Mortgage loan modification is not the very same thing as refinancing, but several homeowners don’t comprehend the rewards or even that it is offered to them,” Wesley said.

Essentially, as an alternative of attempting to get a brand new loan at a decrease price with a new lender (refinancing), loan modification basically changes the interest price of a homeowner’s present loan, cutting monthly mortgage payments by as significantly as several hundred dollars. Because there is no new house loan, there are also no closing fees and no attempting to discover a lender who will supply mortgage refinancing at a affordable rate.

The modest catch is that one’s lender has to agree to it. Due to the fact lenders normally only modify a small percentage of loans, mortgage loan modification may not be the answer to the mortgage crisis that several folks consider it is. Despite the fact that mortgage loan modification is clearly advantageous to the homeowner, lenders do lose cash when they modify a loan. Almost as considerably, some say, as when they foreclose on a home or approve a short sale.

Information such as these are imperative for homeowners to understand if they are to make an informed decision about which approach they want to take, which is where Credit Loan comes in. “CreditLoan.com provides a wealth of info to help home owners keep ahead of the game, and hopefully stay in their residences,” Wesley stated.

For much more info about Credit Loan or to browse articles on mortgage loan modification, mortgage refinancing, and house equity loans, please check out http://www.CreditLoan.com .

About Credit Loan, LLC
For more than ten years, Credit Loan has provided buyers with the info they require to make smart decisions relating to their credit and finances. With a wide variety of monetary subjects such as mortgage loans and home loans, home equity loans, private loans, and credit cards, the Credit Loan internet site offers thousands of articles written specifically for troubled home owners. To find out far more, please visit http://www.CreditLoan.com .

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Far more Loan Modification Press Releases