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Category: Interesting

There May Be a Hacker Hiding in Your Printer

  The latest generation of computer hackers are hitting close to home, through tools and machines you probably use every day. No, it’s not the latest script for a sci-fi horror thriller; it’s a very real, very intimidating fact of life – hackers are everywhere, and they always seem to be one step ahead of […]

Everything Old is New Again

In the world of home décor, everything old is new again. From repurposed furniture to scraped hardwood floors and over-dyed rugs, there’s a new vibe in our homes. And it comes from the past. Why? As futurist Richard Watson noted in a Refinery29.com article on nostalgia, it’s about the uncertainty of life in the future: […]

How Today's Mortgage Insurance Works

As you likely know, mortgage insurance is taken out by a lender to cover the lending company in the event the borrower defaults on his or her mortgage; the borrower pays the premiums. Typically, mortgage insurance is applicable when there is a low down payment, or when the borrower’s credit is less than ideal. There […]

Read All About It: Be Picky about Trusting Online Info

In the good old days, if you read it, you could believe it. Sources were checked, facts were verified, and anything appearing in print was more than likely true. But that was before the Wild West days of the Internet. Today, anyone with an opinion – no matter how ill-founded or bizarre – can post […]

How To Manage Your Social Media Presence

Managing your social media presence means more than simply posting on your social accounts. It’s all about listening and engaging. However, establishing a strong, consistent social media presence while running a business (not to mention having a personal life) may be more than you can manage without help. If you can’t hire a personal assistant, […]

A Lender's Take on Debt-to-Income Ratios

Debt-to-income ratios seem to generate many questions from borrowers. If you have questions on this subject, the information below may help answer them. Debt As well as the mortgage payments you are hoping to take on in purchasing or refinancing your home, your revolving and installment debt represent the greatest concerns to lenders. These include […]

How Do The Newly Implemented QM Rules Affect You?

In January this year, the federal government implemented its latest set of rules aimed at combating fraud in the mortgage industry. Will they affect you, and if so, how? Introduced a year ago, these are called Qualified Mortgage (QM) rules, and they’re designed to provide lenders with a high level of assurance that borrowers who […]

Two Key Mortgage Documents You Must Understand

The level of disclosure that needs to be provided to borrowers on or soon after a mortgage application is higher than it has ever been. This is for your protection, and it’s in your best interest to understand your lender’s paperwork, particularly two key documents: the Good Faith Estimate (GFE) and the Annual Percentage Rate […]

Thieves and Spies Can't Hide from Facebook or LinkedIn

Make-believe can be a charming children’s game, but a job applicant pretending to be someone else is bad news for your business. Small businesses, who have a lot to lose, have had to become very sophisticated and Internet-savvy when hiring.  Verifying an applicant’s identity is a vital first step. Thieves masquerading as employees are a […]

RESPA and Its Impact on the Mortgage Process

While the Real Estate Settlement Procedures Act (RESPA) has had a significant hand in the real estate transaction process, it’s just as embedded in the mortgage process. Since 2010, when major revisions were implemented, it has changed the way in which mortgage operations are conducted, as well as what may or may not happen in […]

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