Maya Travel Uncategorized Private Residential Mortgage

Private Residential Mortgage

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!

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How to Register Domain NamesHow to Register Domain Names

How can one register domain names? The first and the foremost step in the process is to check the availability of available domain names for the domain you wish to register. In this day and age,the World Wide Web offers several domains to choose from. Some of them may be available at a cheap cost. You may check the availability of those domains and contact the domain registrar to request for a domain that you wish to register. Another option is to go directly to a -.

It is important that you choose the right domain name because the domain name you choose for your site or blog can influence the ranking of your site or blog. If your site or blog has a good ranking on the search engines,you will receive more traffic. However,if your site or blog has a poor ranking in search engines,you may lose more traffic than you gain. Now that you have the list of available domain names,it is important to register domain names to your chosen ones. The easiest way is to visit the domain name registrar’s website. The web address of the web site will contain domain registration information. The registrar’s domain registration information will provide you the names you will be registered. The registrar’s domain registration information will also provide you with the price for which you will be registered.

Most domain registration websites offer registration for one,three,or five domain names. The domain names you choose should be easy to remember and easy to spell. You do not want to register a domain that is hard to spell or difficult to remember. You can also choose to register the domain names with hyphens in between the words,so that your website or blog will be easy to remember. When registering the domain name,do not forget to check the domain expiration date. If the domain name expires,you will need to renew your domain name with another company. It is important that you register the domain name so that you can have control over the domain. You want to keep in mind that you do not want the registrar to sell your domain name to another company for a lower price. After you register the domain name,you need to check the domain name for spelling. You do not want to register a domain that has misspelled words or phrases in it because your web site or blog could be banned. If you find the right domain name,it will give your web site or blog an identity. The domain name will also set a unique and identifiable URL for your site or blog.

Why Do Businesses Need SEO?Why Do Businesses Need SEO?

Why do businesses require SEO?

Why do businesses need SEO? Search engines store a lot data about websites and other online propertiesThey’re constantly adding to their database with new information. Therefore, search results and rankings for certain keywords might not be as up to current as those results for different keywords. Searchers on the internet will seek more specific or less precise information compared to what a typical web user would enter into the search box. Due to this, it is important that online marketers keep track of the best practices that go along with search engine marketing and incorporate those practices into their own marketing strategies.

Why do businesses need SEO

Because it’s often used to increase brand visibility on the internet locally-based SEO,also known as search engine marketing (SEM),is an illustration. What makes companies want to be the top of the search results for a certain keyword? The top positions in the search results are likely to be filled by major companies and brands with an extensive reach and have brand value.

What are the most important characteristics of a search engine result page?

The reason is because search engine result pages (SERPs) are becoming more overloaded with sites. There are a variety of smaller and newer search engines for every popular one. In order to make sure that their websites are found for as many searches as possible Internet marketers need to find ways to improve their visibility on websites. Learn why hire an SEO company why its important for business. This can be accomplished by making their sites appear more prominent on results pages of search engines (SERPs).

Why do marketers need SEO? SEO is important since it helps you get your message out to a larger public. SEO is the process to ensure that your website ranks at the top results of search engines. SEO is the process of optimizing your website content. It is also important to be aware of meta-tags, title,header tags, keywords,alt tags and keyword research.

Why do search engines determine the content they show in SERPs?

They make this determination based on certain factors. Relevance is one of the criteria they employ. They ask your site’s data and content to supply the information they require to decide which listings to have to place in a particular spot. They make use of algorithms as well as other methods to determine the ranking of listings. This is the most efficient way for them to get more visitors.

As mentioned above that search engine rankings offer web pages more visibility and greater opportunities to draw in more potential visitors. Increase your odds of receiving more visitors by getting higher rankings in search engines. Visitors will be able to visit your site immediately when you have a high ranking.

Search engines are similar to this,because they operate.

Search engines function this way since they are trying to deliver top-quality results for search. You will be listed in search results if you look up a subject. You will rank well enough to to get immediate visitors and be considered an authority in your field by potential customers. This will allow you to present high-quality content and become an authority in your field.

How can you keep your the rankings of search engines? SEO techniques that work can be time-consuming and tedious. It is more efficient to let someone else handle it. Employing a professional SEO agency is the best way to go about optimizing your site. Professional optimization companies are aware of the best keywords to use,what strategies to employ,and they know which methods to use to avoid falling into legal loopholes. Additionally,you can hire experts to help you focus on high-quality content,enhancing the functionality of your site and helping clients achieve better positions.

What Does Mentalism Really Mean?What Does Mentalism Really Mean?

It is the process of projecting thoughts onto the minds of others. Mentalists are also known for their work as mind-readers.

Mentalism is divided into several categories,depending on the type of tricks the mind-reader employs to accomplish his work.

These include the telepathy (sending thoughts),the clairvoyance (receiving thoughts),and precognition (recognizing thoughts),retrocognition (revealing instances from the past) and psychokinesis (influencing objects through your mind).

The most popular kind of mind reading is the acquisition of information using telepathy,but different forms of mentalism are sometimes included.

Precognition has enabled researchers to see inside look at how potential products are received by consumers before investing money. Mentalism may be the most significant innovation of entertainment that has occurred since invention of reality television. The Clairvoyants, for instance, have offered valuable information to battle psychologists in the war against drugs. Mentalism is a performance art that uses the telepathic abilities to obtain information from individuals referred to as “targets” or “marks.” There are a variety of forms of mentalism, including precognition, clairvoyance and telepathy, psychokinesis, retrocognition, and retrocognition. Mentalists have been entertaining audiences at nightclubs and parties since the turn in the last century. Mentalism is a performance art which combines entertainment and education.

A mentalist can be described as an adult magician. Mentalism is only a tool in the arsenal of an artist.

Some Notable Mentalists include:

Joseph Dunninger was a world-renowned mentalist, and Uri Geller was an Israeli illusionist who has conducted Telepathic experiments on TV in Europe and the US. Derren Brown is an British mentalist and illusionist who frequently combines his skills in mentalism and magic while Lior suchard,a psychiatrist from Israel.

There are many different kinds of mentalism, including telepathy, clairvoyance, precognition psychokines, retro cognition and precognition. The most common form of mentalism involves telepathy. However, there are certain notable variations to this.

Joseph Dunninger

Dunninger was a celebrated mind-reader. Joseph Dunninger,known as “The Amazing Dunninger,” was a famous mentalist in the 1930`s. He was famous for his apparent ability to psychically read minds However,he also performed other illusions involving psychic telepathy. For example,he would create a prediction and put it in an envelope before giving it to a person in the public. He would then take her home,where he gave her details regarding the prediction. He did this by telepathically transmitting the contents of the envelope to her over the course of a phone conversation. His radio programs were listened to by millions.

Kreskin

George Joseph Kresge is a famous mentalist from New Jersey. He has been featured on numerous television shows which include The Tonight Show starring Johnny Carson. He has given shows at Atlantic City and Vegas,however,he is most well recognized in the county fair circuit for appearances around the nation. He claimed to use psychic telepathy,clairvoyance and precognition. The most well-known story about him is a story of a promise to donate $10,000 to a charity provided he proved that his abilities in mind reading were genuine. However,no one ever received the money,because Kreskin asserts that he has the ability to read minds,but he isn`t able to be able to see into the future.

Derren Brown

The talented Mind Reader Brown is a British illusionist and a mentalist who often combines his talents in mentalism and magic. Some of his most well-known tricks involve psychological manipulation and he has also employed the power of telepathy to create illusions. One example involved Derren Brown placing a volunteer in a mental institution while he took her place and then using telepathy to respond to the essay questions.

Uri Geller

The Mystifier Uri Geller is an Israeli illusionist that`s conducted telepathic experiments on television in Europe as well as the US. He is most famous for bending spoons,although many critics claim that his abilities are the result of secret pocket devices. Geller declares to be a psychic and uses telepathy to perform his tricks.

Lior Suchard

The Mentalist Suchard,a psychic from Israel. Lior Suchard is well known because of his abilities to bend spoons through Telekinesis. He also has the ability to read minds,and does this with a method he calls “remote viewing,” which involves him sending his thoughts to a target.

Mentalism is a tool that is part of Lior Suchard`s arsenal. It`s a trick for parties and a means to fooling the audience. It is,however,Lior Suchard also uses it as a fun diversion and to test the limitations of our perception. Mentalism is not magic,however,magicians often employ mentalism to create misdirection and illusions that fool the audience.

The field of mentalism is a area of study that studies mental power. It is related to magic and is the art of tricking people into thinking that telepathy,clairvoyance,and perception are true. However,it`s not intended to be amusing like magic can be. In reality,mentalism is mostly an activity in the human brain. Mentalists use telepathy to explore how it could be possible individuals to see each other`s minds even though they live situated in different locations.

Mentalists and psychics utilize telepathy to perform tricks,but it can be utilized to explore. The whole history of mentalism can be considered a study of human perception and psychology. Mentalists use telepathy to explore how the mind works and what the limitations of our human mind are,and how humans perceive reality.

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