|
Are Unsecured Debt Consolidation Loans Right For You?
When it comes right down to it, there are very few situations in
which bankruptcy has to be the answer. Often times, when it
comes to debt issues, unsecured debt consolidation loans are
much less damaging answer than bankruptcy. What is...
Getting Into Business: Don’t Start It! Buy It!!
Many of us have felt the entrepreneurial pull of running our own business at one time or another. The allure of being your own boss can be really strong, and it’s no wonder. Small business ownership and its operation has proven to be one of the...
Q: As a result of my divorce, I'm left with more debt than I can handle. Is there an alternative to bankruptcy?
One of the often-unintended consequences of divorce is the burdensome debt that was formerly handled by two, now to be handled by one. Creditors hold both spouses liable for debt incurred during the marriage. Any agreement between the spouses...
Real Estate: Becoming A Broker
Why Real Estate?
Real estate is security, a source of wealth and a path to
prosperity. Real estate is the Great West, where new-age cowboys
roam million-acre ranches on horses and Humvees, against a
backdrop of majestic snowcapped mountains....
Teamware: Answers the 5 Questions of Document Collaboration
Every organization which creates collaborative documents, whether they are budgets, presentations, reports, spreadsheets, or other documents recognizes that collaborative efforts are requirement. That collaboration always forces the 5 eternal...
|
|
| |
|
|
|
|
|
|
Choose Wisely: A Comparison of Mortgage Brokers and Banks
Mortgage Brokers Do The Work So You Don’t Have To
My career in the mortgage industry has provided me with many opportunities to work with both mortgage brokers and banks. I believe mortgage brokers are great tools for consumers in search of the best financing options available. A mortgage broker differs from a bank representative in some important ways. The broker can shop and find the best deal for a homebuyer or refinancing deal. The bank only sells its own products. The mortgage broker takes one application and one credit report and utilizes all of the resources to find the best rate and mortgage program available. In my role as the mortgage broker I am an expert working hard specifically for the consumer.
Mortgage Brokers Can Show You All The Possibilities
As a mortgage broker I may work with up to one hundred lenders all over the country. The consumer never knows about many of these companies because mortgage brokers have exclusive access to them. When a bank turns down a mortgage application for any reason, the bank is finished with that potential customer. A mortgage broker is not through -- he or she moves forward to find the next best lender. If a customer does the mortgage research alone mortgage companies want to pull a credit report before giving any details about products and programs you qualify for. All of these credit inquiries may lower your credit score and when it is time to qualify for the mortgage this is critical. My goal with every customer I work with is to find the best rate. This money all comes from essentially the same places: investors on Wall Street. Customers with good credit will be quoted a similar rate from a bank.
Tap Into Broker Knowledge And Thrive Under Special Circumstances
Consumers dealing with more credit challenges may find they have more choices with a mortgage broker. A lack of a down payment, a short time in business or the inability to prove all of your income may be a problem and a skilled mortgage broker
will be able to find a solution. I can find specialty programs many lenders don’t have or don’t know about. Mortgage brokers shop around the country and they have the knowledge and expertise to get someone with unique circumstances approved.
How Does the Mortgage Broker Get Paid?
In the mortgage industry brokers are an integral part of the equation to get the best value for your money. I am the middleman between the customer and the lender. Mortgage lenders compensate mortgage brokers for completing a large portion of the work. When a mortgage broker markets and originates the loan lenders only have to deal with basic negotiations that involve an educated party (the broker), the approval process, and execution of the loan. The cost for banks and mortgage companies do not differ.
Compare a Mortgage Broker to a Buyer’s Agent
A mortgage broker is like a buyer’s agent for your mortgage.
A buyer’s agent represents the home shopper’s best interest. The agent is an educated real estate professional dedicated to representing only the purchaser. With this representation the homebuyer can save money and have better deals negotiated.
As a mortgage broker, I negotiate the term of a loan with only my customer’s individual needs and desires in mind. As a consumer it can be difficult to find advisors and representatives completely committed to your best interests. A mortgage broker is the key to uncovering all the possibilities and securing the best mortgage rates you can find. Be sure to choose wisely and you can reach your highest home investment potential.
About the Author
Kevin Onizuk has been in the mortgage business since 1994 and co-founded Breakwater Mortgage in 2003. His background covers many aspects of lending. Breakwater Mortgage has one office in Virginia Beach and two offices in Williamsburg, Virginia. Kevin Onizuk and the Breakwater Mortgage team are dedicated to providing the highest level of service available in the mortgage industry.
|
|
|
|
|
| Negotiation - Wikipedia, the free encyclopedia |
| The first step in negotiation is to determine whether the situation is in fact a negotiation ... The book's approach, referred to as Principled Negotiation, ... |
| en.wikipedia.org |
|
| Negotiation Seminars Negotiation Training Negotiations Consultants ... |
| Negotiation and alternative dispute resolution seminars, negotiation training and video presentations with available keynote speakers. |
| www.negotiation.com |
|
| Program on Negotiation at Harvard Law School |
| Negotiation training, research, and publications from the world's foremost authority on negotiation and dispute resolution. |
| www.pon.harvard.edu |
|
| PON: Harvard Negotiations Project |
| Please visit the Harvard Negotiation Project website for complete information and ... The Harvard Negotiation Project's mission is to improve the theory, ... |
| www.pon.harvard.edu |
|
| The Negotiation Skills Company, Inc. |
| www.negotiationskills.com/ - 3k - Cached - Similar pages |
|
|
| Global Trade Negotiations Home Page |
| The Global Trade Negotiations Home Page at the Center for International Development at Harvard University - a centralized information resource on global ... |
| www.cid.harvard.edu |
|
| Principled Negotiation |
| Principled negotiation is the name given to the interest-based approach to negotiation set out in the best-known conflict resolution book, Getting to Yes, ... |
| www.colorado.edu |
|
| Salary Negotiation and Job Offer Tutorial |
| Job-seekers: Learn the basics (and advanced techniques) of the art and strategy of salary negotiation (getting the salary you want) in this tutorial. |
| www.quintcareers.com |
|
| Salary Negotiation and Job Offer Tutorial -- Map of the Tutorial |
| Site map to an expert (and free) tutorial on the art and strategy of salary and job offer negotiation. A guide to assist every job-seeker with salaries. |
| www.quintcareers.com |
|
| Win-Win Negotiation - How to reach a fair compromise - Negotiating ... |
| This article and free worksheet help you negotiate fair compromises with people whose goodwill you need. It highlights the importance of good negotiation ... |
| www.mindtools.com |
|
| negotiation journal |
| www.springerlink.com/link.asp?id=102591 - Similar pages |
|
|
| Apache Content Negotiation |
| Apache's support for content negotiation has been updated to meet the ... Apache 1.2 supports 'server driven' content negotiation, as defined in the ... |
| httpd.apache.org |
|
| JobStar--Salary Negotiation Strategies |
| JobStar is a public library sponsored guide to information for the job search. Sections useful for California are: 1500 job hotlines, calendar of job and ... |
| jobstar.org |
|
| Eric C. Gould's Negotiation Site |
| Subscribe to newsletter with negotiating tips and techniques. |
| www.batna.com |
|
| free negotiation training for sales, debt, contract, salary ... |
| Free negotiation skills training for sales, contracts, debt, salary and contracts, negotiating with creditors, negotiation skills and techniques, ... |
| www.businessballs.com |
|
| Monster.com: The Negotiation Coach |
| Salary Negotiation Advice from HR Managers · Negotiating Your Future Salary Today · Overlooking Their Interests -- A Big Mistake in Salary Negotiations ... |
| midcareer.monster.com |
|
| Negotiation Articles |
| Negotiation articles for the busy entrepreneur written by a diverse group of experts, speakers, professionals, consultants, and marketing companies. |
| www.pertinent.com |
|
| CareerJournal | Negotiating Tips - Salary Negotiation Tips ... |
| Salary Negotiation Tips - When it's time to negotiate salary changes, trust Career Journal to give you the best and most current career salary information. |
| www.careerjournal.com |
|
| PON Clearinghouse |
| Welcome to the Program on Negotiation Clearinghouse, a resource center for people interested in learning and teaching about negotiation and alternative ... |
| www.pon.org |
|
| :: Negotiations Affairs Department :: |
| Information on the issues, history, developments and positions regarding Palestinian-Israeli peace negotiations. |
| www.nad-plo.org |
|