I have come across many note sellers that ignore the advice of being prepared. Properly structuring a note for resale can be the difference between selling the note fast and with little friction as opposed to selling yourself short or worse,not selling the note at all. In order to properly structure a mortgage note for resale is as follows:

1) Get the biggest down payment possible. 25% is the Note Buyer’s ideal amount in a perfect world although,you can definitely get away with 15% – 20% if need be. Anything under 15% equity becomes very risky for a Note Investor. In the case of a down payment under 14% equity,you will have a very tough time getting a high bid on that note. Anything under 10% down,will unlikely sell at all.  -!

2) Make sure you (the seller),pull credit on the potential borrower. 600 FICO score – 700 FICO score would be ideal. Remember; the worse the credit score is,the bigger the down payment you should require! Make sure you keep a copy of the credit report so you may present to the mortgage note investor underwriting the transaction. As far as credit scores,650 or higher is considered great to excellent credit. 610-649 is good,609-590 is fair 589-500 is poor and below 500 – don’t even bother. Also try to gather D.T.I. or Debt to Income information from the borrower as well. How much money she/he has coming in per month verses what dollar amount is going out per month. A standard credit report will show you what the borrowers monthly bills are. All you need to do after that is get an accurate dollar amount of what the borrower truly makes after taxes. This way there will be no surprises for you or the Note Investor and this will insure you the highest bids out there! 45% is the max D.T.I. ratio you should allow. This means,if the borrower’s income is $5,000.00 per month,45% DTI ratio would be $2,250.00 (5,000 x 0.45 = 2,250.00) in debt per month. The borrower only owes 45% of what they make to monthly debt.  -!

3) It helps tremendously if the seller orders and completes an appraisal before submitting the note to a Note Buyer. The reason being,presenting an exact legal appraisal to a Note Investor allows for a more accurate bid,thus a hassle free transaction. This way when the note is underwritten,there will be no surprises on the collateral property whatsoever. This step is not necessary although,by doing this your are drastically increasing your chances of a very smooth note sale.

4) Include a high interest rate with the shortest term possible. Meaning,be sure that your borrower can afford the payments at the shortest term she/he can legitimately agree to.

5) Try to keep the loan under a 10-15 year payback date. Anything over 12 years usually takes a much steeper discount then say a 10 balloon. The Note Investor generally likes to be out of an investment in 5-10 years. Ideally,if your borrower situation permits,5-10 is the first choice. 

6) Include a prepayment penalty based on your states regulations and laws.  -!

Please keep in mind; the above information is just a guide. If you have any legal questions about mortgage origination laws in your state,please consult a licensed mortgage broker/banker (in your state) or an attorney. Always be prepared!

Knowing this info before hand is the difference between a smooth transaction and a complete nightmare! Good Luck!

London’s dating scene is a brilliant representation of the city’s abundant tapestry of people, who originate from a wide variety of ethnic origins and have had a diversity of life experiences according to

www.citygoldmedia.com/things-to-expect-when-hiring-an-escort-for-the-first-time/

. This abundant tapestry of individuals is shown in the city’s dating scene. The reality that a substantial variety of Londoners are willing to utilize innovation in order to meet new people can be attributed to the reality that they integrate traditional dating preferences with modern dating choices. They have the ability to strike a balance in between the use of dating applications such as Bumble and Tinder and the recognition of the significance of in person interaction. Both of these aspects are brought into harmony by them. Due to the truth that this distinctive mix of mindsets exists, the dating scene is one that feeds upon amusing banter, sarcasm, and a decent funny bone.

In London’s dating culture, which is differentiated by its constant speed, people frequently find themselves trying to find a range of relationship characteristics according to

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. This is because the culture is ever progressing. Some individuals are looking for casual relationships, while others are looking for something more severe and something that will last for a longer time period. The surface is expansive, and there are those who have expressed interest in forming casual partnerships. The dating pool is offered more depth as a result of the diversity of desires that are there, which in turn offers an environment in which every individual has the opportunity to discover their real place worldwide.

To offer an example, a young Expert may position a larger significance on their employment aspirations when they are seeking for a partner, and they might prefer somebody who has the very same level of drive and decision as they do. On the other hand, that exact same someone might put the utmost significance on having a common sense of humor or on having pastimes that are comparable to their own. One further thing that contributes to the complex nature of dating in London is the fact that various top priorities are prioritized in various methods.

In addition, on account of the frenetic nature of city life in London, time is regularly a resource that is in short supply. Due to the fact that this encourages efficiency in dating practices, genuine connections become significantly vital within fairly short periods of time.

As a result of the vibrant character of the city, people are continuously entering into contact with new individuals who come from a large range of different backgrounds, have various career paths, and have actually had different experiences in their lives. As a consequence of this, those who date in London have a propensity to be more versatile and unbiased when it pertains to choosing a partner with whom they are emotionally compatible.

Following the acquisition of an understanding of the diverse choices of people and the vibrant interaction in between tradition and modernity in London’s dating scene, it becomes important to explore the social activities and occasions that make it possible for these connections to be formed.

Avianca, una de las aerolíneas más reconocidas en América Latina, se destaca no solo por su amplia red de destinos y servicios de calidad, sino también por su atención al cliente. Uno de los recursos más utilizados por los pasajeros es Avianca Teléfono, un canal directo y eficaz para resolver dudas, gestionar reservas y recibir asistencia personalizada.

¿Por qué utilizar Avianca Teléfono?

La línea telefónica de Avianca es un recurso fundamental para quienes prefieren un contacto humano al gestionar aspectos relacionados con sus viajes. Aunque hoy en día existen opciones digitales como aplicaciones y páginas web, la atención telefónica ofrece ventajas únicas:

1. Asistencia personalizada: A través del teléfono, puedes hablar con un representante que atenderá tus necesidades específicas, desde cambios en itinerarios hasta asistencia con vuelos cancelados o retrasados.
2. Disponibilidad inmediata: En emergencias, como perder un vuelo o necesitar cambios de última hora, un llamado rápido puede ser la solución más efectiva.
3. Resolución de problemas complejos: Algunas consultas, como problemas con boletos o equipaje, pueden resolverse de manera más rápida y efectiva por teléfono.

Cómo contactar a Avianca por teléfono

Para comunicarte con Avianca, debes marcar el número correspondiente a tu país. Avianca cuenta con líneas de atención en varios países, lo que facilita la comunicación en el idioma y horario local del cliente. Algunos de los números más comunes incluyen:

• Colombia: 018000-953-434
• Estados Unidos: 1-800-284-2622
• España: 900-802-500

Si no estás seguro del número, puedes visitar la página oficial de Avianca, donde encontrarás una lista completa de contactos según tu ubicación. Además, Avianca dispone de un sistema automatizado para consultas simples, como verificar el estado de un vuelo o confirmar una reserva.

Servicios disponibles en Avianca Teléfono

A través de Avianca Teléfono, los pasajeros pueden acceder a una amplia gama de servicios:

• Reservas y cambios de vuelos: Puedes comprar boletos, modificar itinerarios o solicitar reembolsos.
• Información sobre equipaje: Consulta políticas de equipaje, reporta pérdida o retraso, y sigue el estado de tus maletas.
• Consulta de horarios y estatus de vuelos: Verifica en tiempo real cualquier cambio en tu vuelo.
• Atención a viajeros frecuentes: Los socios de LifeMiles pueden recibir asistencia específica para acumular o redimir millas.

Consejos para una mejor experiencia

Para optimizar tu llamada, ten a la mano tu número de reserva, identificación y cualquier información relevante. También es recomendable llamar en horarios menos concurridos, como temprano en la mañana o tarde en la noche, para evitar largas esperas.

Conclusión

El servicio de Avianca Teléfono es una herramienta invaluable para cualquier viajero. Con atención eficiente y personalizada, esta línea de contacto asegura que tus dudas y problemas se resuelvan de manera rápida y sencilla, permitiéndote disfrutar de una experiencia de viaje sin complicaciones.

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