constantly shifting mortgage & real estate industry.
iMortgageSites.com will truly expand your business exponentially, and let you focus on excelling in your profession. We are committed to bringing you the latest technology in the mortgage industry and are dedicated to keep you a step ahead of your competitors. We are working persistently to bring all the necessary tools to your doorstep for enhanced and easier access. We truly believe that our success is your success.
Internet lending is not just about a simple -Website-. A user must anticipate more from your Internet solution or mortgage website. To be aggressive, you must consider: rate of return, website & system automation, dynamic uploads, system integration, total security, DRE compliance and guidelines, system and protocol standardization, economic scalability, website support, mortgage educators, domain name process, website management, total marketing package, understating of the mortgage market, and, most importantly, your service providers’ experience and technology.
Foreclosure tours are fast becoming a means for investors and buyers to quickly and efficiently view current properties available. Many savvy investors and buyers know that now is the optimum time to invest in real estate. The opportunities for profitable purchases are better than they have been in many years. This is especially true since interest rates are at a 40 year low. Investors and buyers are recognizing that we at or near the bottom of a cycle!
In downtown areas such as San Diego, California, urban walking tours are not only the most efficient means to view ALL currently available property, but it is a fun way to get out and see the area as you would if you actually lived there; all while having the opportunity to build a deeper relationship with a seasoned real estate professional who is in a position to drastically help you maximize the real estate investment opportunities available today.
You may be looking to own property in a city/urban setting because of the lifestyle – it’s fun, hip and allows you to live a more green” life. Not that long ago it was very cost prohibitive to live in a city setting, but that isn’t true of today’s real estate market. What used to be out of reach is now not only accessible, but is a sound investment. It is now quite possible to live the life style you want at a price you can afford.
The rate of online shopping has grown exponentially in the last few years, and has become the norm for many people the world over when it comes to purchasing the products and services they use in their everyday lives. But not everyone is sold on the concept that online shopping is easier than in-store shopping. If you are one of these people, examining the drawbacks and benefits of using an online payment solution to make your purchases might help you decide if shopping via the internet is for you or not.
Some technological know-how is required. If you want to shop online with the least amount of problems, you will have to possess some computer and internet basics, such as how to use a computer and the internet (chances are that you have this ability if you are reading this article), how to search for and compare stores and the products they sell, and how to complete a transaction with an online payment solution. Not having these simple skills can make the whole process long, tedious and more effort than its worth.
The perceived or actual risk of getting hacked. Wherever there exists the request for personal and financial information (like on e-commerce websites), there also may lurk hackers looking for ways to get at this information. The aim of this article is not to scare you away from online shopping, but to let you know that there are inherent threats that you should know about so that you can make a more informed choice.
You usually have to open an account. Just about every online shop will ask you to open an account with them. If they are using a third-party online payment solution, then you will have to open an account with that company as well. The purpose of this is not to make online payments tiring and annoying, but to make your subsequent payments instant and easy.
With patch 5.2 round the horizon, one amongst the items I’ve noticed in my society is the energizing result of the incoming content. Our flagging interest has been rehabilitated – we tend even killing new heroic bosses that we hadn’t gotten around to with recent events stepping into the means. If there was AN opposite to a sensation of close doom, patch 5.2 has it definitely. An close sense of hope and optimism? no matter it is, it’s real and I am seeing it all over I turn.
Being the sort of one that usually flees from hope like a evil spirit flees from a subprime mortgage (they value more highly to buy outright, those crafty vampires) I find this experience confusing, baffling, and alittle merit study. I don’t recall so much excitement for a patch in recent memory. Thus what’s got everybody thus excited regarding patch 5.2?
In todays crumbling, commercial real estate market, both borrowers and lenders find themselves in quite a precarious predicament. Borrowers struggle to make their commercial mortgage payments, while lenders are crippled by the increasing number of defaults on commercial property. Right now the best solution to this problem is commercial mortgage modification.
Commercial mortgage modification is the process of renegotiating the terms of a commercial loan. This is done typically by reducing the interest rate or monthly payment on the loan. Other benefits to the borrower may include an extension of the loan term, a forbearance or moratorium on payments, and of course an alternative to foreclosure.
A commercial mortgage modification is about risk to the lender. A lender will only consider a modification if a borrower is in default or at risk of defaulting. The most important thing the lender will look at in determining whether or not to modify a commercial note is cash flow. One very important calculation used in determining cash flow is called the DCR or Debt Coverage Ratio. This ratio is used by the underwriters to determine if a modification can be approved. If a property is breaking even, meaning the income generated is equal to the operating expenses, the DCR would be equal to 1. If commercial property has a positive cash flow, meaning the income the property generates is more than sufficient to cover the mortgage payment and all of the operating expenses, the DCR is greater than 1. If the property is losing money, the DCR would be less than 1. A lender will most likely not modify the commercial note, if the property already has a DCR greater than 1. Commercial lenders writing new commercial loans will most likely require a DCR of 1.25 or greater.