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Groupware: The Triple Threat of Document Collaboration Technology
Document Collaboration has made leaps and bounds since the explosion of the technology revolution. In any business era, the need to collaborate remains a constant. What varies is the ability of technology to keep up with demands of the...
Practical, Pragmatic Preparation
Franchising 101: The Complete Guide to Evaluating, Buying and Growing Your Franchise Business Edited by Ann Dugan, Published by the Association of Small Business Development Centers (ASBDC) Cooked up by CPA's, Attorneys and Insurance Brokers, with...
The "Credit Card Debt Termination" Scam
"Legally terminate credit card debt! You can be debt-free in 4-6 months!" Advertisements like this are for a new type of program that has spread via the Internet over the past few years. It's called "Credit Card Debt Termination," and victims are...
What You Can Do To Sell Your Home Fast
You want to sell your home and you want to sell it fast. It may be a seller’s market and every other home in your neighbourhood is selling and you think it’s going to be a cakewalk selling your home. You put your house up for sale, people come, a...
Yesterday's Hero
Wonder Woman makes it looks so easy. She gets up every morning, fights the good fight, calls it a day, and starts the whole process all over again. This is the way most of us begin our workday. We work hard, accomplish lots, and get up in the...
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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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