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AFTER BANKRUPTCY: APPLYING FOR CREDIT
Many people who have filed bankruptcy in the past apply for credit the wrong way.
They fill out a credit application and hope for the best. Best case, they probably end up paying a lot more in interest and finance charges - hundreds or even...
Family-eStore.com and Swan Manufacturing a win-win for our country
Family-eStore.com, a prominent website that has gained
popularity in the last few years, recently negotiated with Swan
Manufacturing Company to offer its unique product line on the
Family-eStore.com that is primarily Christian gift and...
Finding A Capable Agent To Meet Your Real Estate Needs
Whether you’re a first-time buyer, selling your current home or relocating to a different part of the country, the support of a qualified, knowledgeable real estate agent can alleviate many of your concerns and ensure a smooth transaction. A...
The Seller's Guide to the Buyer's Eye
The Seller’s Guide to the Buyers Eye A strong tendency towards a sellers market will continue until the baby boomers finish the cycle of buying and selling real estate, estimated to end in 20 years, according to the Senior Real Estate Association....
Win/Win Sales Negotiations - Myths and Realities
I once got a phone call from someone responsible for sales training at a large company. She said to me, “Mike, we need negotiation training for our sales force.” I said, “Great, you've come to the right place.” Then she said, “But do you teach...
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Online mortgage quote: Why You May Not Be Getting The Best Rate
While shopping online for online mortgage quote can be great in
terms of saving time and convenience, it won't necessarily get
you the best deals available. What you save depends to a great
extent on the way you negotiate with lenders for the online
mortgage quote. Like with any negotiation, you get the upper
hand when you are knowledgeable about how the industry works.
One of the main precautions to take on when looking for online
mortgage quotes is to ensure that the brokers you deal with
represent several different lending institutes and therefore can
offer you a good variety of options. Beware of brokers who are
merely lender agents in disguise. If a broker represents only
one bank or lender, there is a great likelihood that you will
not be offered the online mortgage quote that is most suitable
for your needs.
In devising consumer protection laws for online mortgage quotes
and increasing convenience, states have ultimately ended up
having an adverse impact on competition, apart from making
online mortgage costs higher than necessary.
Explaining The Costs Most states do not require online mortgage
businesses to have a brick and mortar presence. However about
one third of all states make this a mandatory requirement. Due
to this, the expenses increase. Laws of
this nature have
prevented mortgage brokers from being exclusively online and
offering much lower rates.
It is mostly the existing brick and mortar mortgage brokers who
are the blame for the laws in a bid to minimize competition. The
laws have also led to a multi-state licensing system due to
which national mortgage firms with a presence in all states get
an unfair online advantage over the competition. These companies
don't have to put in money into costly infrastructure apart from
enjoying lower transaction costs and can therefore offer lower
rates to consumers.
The Bottom Line The reality is that the online companies who
face compulsion to bear the costs of renting offices, employing
a workforce and infrastructure and equipment which they would
otherwise not require, choose to avoid doing business in that
particular state altogether.
The end result is that it is the consumer who is eventually at a
disadvantage. Their options are limited further for sources of
capital and the competition among lenders is also less intense.
About the author:
Paul Lerner enjoys writing about a variety of mortgage topics,
including advice on getting an online mortgage quote.
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| :: Negotiations Affairs Department :: |
| Information on the issues, history, developments and positions regarding Palestinian-Israeli peace negotiations. |
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