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Informative Articles

4 things to watch out for when choosing a mortgage company
We all know that there are a lot of mortgage companies out there. But how do you know which company to choose? Some companies have flashy advertisements about low interest rates, but are they really the best company to choose? A mortgage is a very...
Finding it Online: Internet Research Made Simpler
This article was originally published in Insights - the journal of the Northeast Human Resources Association. Introduction The Web can be an incredible tool for professional development - for finding resources and information, latest...
Networking 101
As a new business owner you must wear many hats. You will need knowledge of accounting, marketing, advertising, management, administration, inventory, sales, etc., in addition to knowledge pertaining to your industry. Since you may be very...
Sales Rquires You Get Your Foot in the Door
Sales Require You Get Your Foot in the Door By Kathleen Gage If you are in sales and/or marketing you know one of the most challenging aspects of what you do is getting in front of prospects. Prospects and clients are bombarded constantly with...
What Makes a Good Performance Appraisal?
There are increasingly two schools of thought (we're sure there are probably 2002): one for and one against Appraisals. And in both, the bottom line still is that they will cost your company money if not handled well. As we know, in vast numbers...
 
Mortgage Loan - Understanding FICO Scores

Apply for a mortgage loan and you'll soon become familiar with FICO scores. Here's a primer on the infamous FICO scoring process.

FICO scores are merely a mathematical representation of your credit record. Credit records are simply a recording of your debts and assets. Credit card balances, for instance, are a debt that appears on your credit record, as do late payments, bounced checks and so on. Credit, of course, is a huge consideration in the mortgage loan process.

A "credit score" is a figure that represents an overall valuation of how you handle credit and the risk level associated with giving you more credit, to wit, a mortgage loan. The loan underwriter will review your credit report for items such as payment history on debts, debt balances and types of credit you already have. A summary of this information is represented by a figure known as you "FICO score."

FICO

You may be surprised to learn that "FICO" doesn't stand for any credit-related terms. Instead, it stands for Fair, Isaac and Company. This company developed the mathematical formula


that produces the much loved or hated FICO scores. The FICO score assigned to you determines whether you love or hate the formula.

FICO scores come in a range of three digit numbers. The lowest FICO score you can get is 350. The highest FICO score is 850, a score for which bankers will bow at your feet. The higher your score, the better your credit situation and the more likely a bank is to provide you with a mortgage loan.

Most people do not have perfect credit. To this end, we find most people have FICO scores ranging from the low 600s to the high 700s. Mortgage applications typically are not rejected because of a few late payments.

If you're considering purchasing a house, you should always try to pre-qualify for a mortgage loan. Getting a reading of your FICO score should be one of the first steps.

About the author:

Dan Lewis is a mortgage broker with http://www.gwhomeloans.com - San Diego mortgage brokers providing home loans and refinances. Visit http://www.gwhomeloans.com/services.html to learn more about options for San Diego mortgages.

 

Oral Presentation Advice
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www.cs.wisc.edu
 
Presentation Skills
This site contains annotated links to resources concerned with presentation and communication skills.
lorien.ncl.ac.uk
 
Presentation Helper - Free PowerPoint templates, help, advice and ...
Resources on how to make effective presentations. Includes tips on PowerPoint and topic ideas.
www.presentationhelper.co.uk
 
Neurobehavioral Systems, Inc.
Neuroscience stimulus delivery software can be used for cognitive psychology, fMRI, erp and single unit research (Windows).
nbs.neuro-bs.com
 
Why tables for layout is stupid: problems defined, solutions offered
Why tables for layout is stupid:. problems defined, solutions offered. Tables existed in HTML for one reason: To display tabular data. ...
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The Gettysburg Powerpoint Presentation
This presentation prepared with the help of Microsoft Powerpoint Autocontent Wizard. ... Permission is granted to use this presentation in any course or ...
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Presentation Zen
I love the clear presentation of the ideas in the book and the fact that the ... In the context of presentations, moving info away can help you and the ...
www.presentationzen.com
 
Presentation Tips for Public Speaking
Better Public Speaking & Presentation - Ensure Your Words Are Always ... On the Job: Public Speaking Tips - Twelve Steps to Great Presentations by Elise ...
www.aresearchguide.com
 
Presentation - Wikipedia, the free encyclopedia
Presentation is the process of presenting the content of a topic to an ... You should plan to rehearse your presentation out loud at least four times. ...
en.wikipedia.org
 
OSCON 2005 Keynote - Identity 2.0
“A barn-burner of a presentation. I loved this.” - Cory Doctorow. “I watched it twice, and greatly enjoyed it both times.” - Jon Udell ...
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Presentations - Effective Communication - Public Speaking
Tips and tools for creating and delivering presentations: text, techniques and technology.
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Presentation Information Resources - Presentation Technology News ...
Presentation Information Resources - Comprehensive presenter's resource providing instant access to up-to-date information on technology and techniques for ...
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Effective Presentations homepage
In addition, the skills needed to prepare an oral presentation can be used ... A spiffy presentation discussing Effective Teaching with Powerpoint from the ...
www.kumc.edu
 
Impress
Your presentations will stand out with 2D and 3D clip art, special effects, animation, ... Slide show Animation and Effects bring your presentation to life. ...
www.openoffice.org
 
PRESENTATIONPRO - experts for Microsoft PowerPoint
A series of products and services to help enhance PowerPoint presentations with templates and backgrounds.
www.presentationpro.com
 
Leadership - Presentation Skills
Presentation, PowerPoint, and Leadership. ... Presentations and reports are ways of communicating ideas and information to a group. But unlike a report, ...
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Presentation: See what people are saying right now on Technorati
See all blog posts tagged with presentation on Technorati.
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Secretary of State Addresses the U.N. Security Council
My friends, this has been a long and a detailed presentation. And I thank you for your patience. But there is one more subject that I would like to touch on ...
www.whitehouse.gov
 
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Presentation Skills
Presentations are one of the first managerial skills which a junior engineer ... This article looks at the basics of Presentation Skills as they might apply ...
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