http://www.scribd.com/people/view/80777-spacehopper This a feed for documents on Scribd written by spacehopper 30 Thu, 25 Oct 2007 22:21:38 GMT Thu, 25 Oct 2007 22:21:38 GMT http://www.scribd.com/doc/426654/Home4cash-CHL Second Mortgages: Utilizing Your Home’s Equity for Cash Consider tapping the home equity safety net that’s right under your roof — for a line of credit or fixed rate mortgage that can equal fast, flexible extra cash. Even if you have lessthan-perfect credit. If you’ve been making payments on your home loan, or your home’s market value (the price you could get for it if you sold it today) has gone up since you bought it, you probably have equity in your home that you may be able to use for extra cash. 1-800-909-8217 *What is home equity? Home equity is simply the difference between Thu, 25 Oct 2007 22:21:38 GMT http://www.scribd.com/doc/426654/Home4cash-CHL http://www.scribd.com/doc/243646/Home-Remodeling 2007 Edition HOME REMODELING GREEN BUILDING GUIDELINES *2007 Edition HOME REMODELING GREEN BUILDING GUIDELINES **About Build It Green Build It Green is a professional non-profit membership organization whose mission is to promote healthy, durable, energy- and resource-efficient buildings in California. Supported by a solid foundation of outreach and education, Build It Green connects consumers and building professionals with the tools and technical expertise they need to build quality green homes. Build It Green fosters collaboration with key stakeholder groups to accelerate the adoption o Tue, 14 Aug 2007 20:40:20 GMT http://www.scribd.com/doc/243646/Home-Remodeling http://www.scribd.com/doc/243645/Sample-Credit-Report Sample Credit Report Below is a sample credit report with typical components labeled. The components are described in the legend. 1 Credit Report Agency Name Biographical Information Jane Doe 555 Market Street City, State 00000 Personal Information Social Security Number 000-00-0000 Date of Birth 08-30-66 Last Reported Employment: ABC Hospital Previous Address 999 Main Street City, State, 00000 Please address all future correspondence to: Credit Reporting Agency Business Address City State 00000 (800) 555-5555 2 4 3 Date of Report: 10/30/06 Report Number: 123456789 5 Public Information Tue, 14 Aug 2007 20:35:15 GMT http://www.scribd.com/doc/243645/Sample-Credit-Report http://www.scribd.com/doc/243644/SampleCreditReport Sample Credit Report Below is a sample credit report with typical components labeled. The components are described in the legend. 1 Credit Report Agency Name Biographical Information Jane Doe 555 Market Street City, State 00000 Personal Information Social Security Number 000-00-0000 Date of Birth 08-30-66 Last Reported Employment: ABC Hospital Previous Address 999 Main Street City, State, 00000 Please address all future correspondence to: Credit Reporting Agency Business Address City State 00000 (800) 555-5555 2 4 3 Date of Report: 10/30/06 Report Number: 123456789 5 Public Information Tue, 14 Aug 2007 20:34:59 GMT http://www.scribd.com/doc/243644/SampleCreditReport http://www.scribd.com/doc/243643/SampleCreditReport Sample Credit Report Below is a sample credit report with typical components labeled. The components are described in the legend. 1 Credit Report Agency Name Biographical Information Jane Doe 555 Market Street City, State 00000 Personal Information Social Security Number 000-00-0000 Date of Birth 08-30-66 Last Reported Employment: ABC Hospital Previous Address 999 Main Street City, State, 00000 Please address all future correspondence to: Credit Reporting Agency Business Address City State 00000 (800) 555-5555 2 4 3 Date of Report: 10/30/06 Report Number: 123456789 5 Public Information Tue, 14 Aug 2007 20:34:43 GMT http://www.scribd.com/doc/243643/SampleCreditReport http://www.scribd.com/doc/243642/SampleCreditReport Sample Credit Report Below is a sample credit report with typical components labeled. The components are described in the legend. 1 Credit Report Agency Name Biographical Information Jane Doe 555 Market Street City, State 00000 Personal Information Social Security Number 000-00-0000 Date of Birth 08-30-66 Last Reported Employment: ABC Hospital Previous Address 999 Main Street City, State, 00000 Please address all future correspondence to: Credit Reporting Agency Business Address City State 00000 (800) 555-5555 2 4 3 Date of Report: 10/30/06 Report Number: 123456789 5 Public Information Tue, 14 Aug 2007 20:34:27 GMT http://www.scribd.com/doc/243642/SampleCreditReport http://www.scribd.com/doc/243640/Loan-Approval-Process Loan Approval Process The Who Loan Consultant (also called Loan Officer) Processor The What Meets with borrower; takes application; recommends product Requests credit report; collects and verifies all information The Why Loan consultants can answer initial questions and recommend the best product for you based on your unique situation. Your credit score represents the amount of risk of default that you present to the lender. Someone with a high credit score presents less risk and the loan may be approved more quickly. The processor also verifies your employment and financial assets. The apprai Tue, 14 Aug 2007 20:30:23 GMT http://www.scribd.com/doc/243640/Loan-Approval-Process http://www.scribd.com/doc/243639/Loan-Shopping-Checklist Home Loan Shopping Checklist Name of Lender: Contact person Phone number Web site address Home loan amount Type of Loan: fixed rate ARM FHA VA Interest Rate: Points: APR: Length of Loan: (15,20,30,40 yrs) Minimum Payment Due: without PMI with PMI If PMI is Required: up front cost monthly premium when can it be canceled? Escrow Required for Taxes and Insurance?: Estimated Monthly Payment: (PITI and PMI) Fees: application or loan processing origination credit report document preparation underwriting appraisal survey flood certification tax service assumption (if applies) attorney fees title Tue, 14 Aug 2007 20:28:17 GMT http://www.scribd.com/doc/243639/Loan-Shopping-Checklist http://www.scribd.com/doc/243638/ClosingCostsChart Closing Costs Closing Cost Origination fee Discount points Prepaid interest Appraisal fee Credit report Assumption fee Escrow (Impound) reserves Mortgage insurance premium Homeowner insurance policy Homeowner warranty Title search Title insurance policy Transfer fee Recording fees Broker fees Reimbursement to seller Attorney (or settlement agent) fees Termite inspection Survey (if required) Charged By Lender Lender Lender Lender Lender Lender Lender Lender Insurance company Warranty company Settlement agent Settlement agent State City or county Real estate broker Seller Settlement agent Inspe Tue, 14 Aug 2007 20:26:54 GMT http://www.scribd.com/doc/243638/ClosingCostsChart http://www.scribd.com/doc/243637/Closing-Costs-Chart Closing Costs Closing Cost Origination fee Discount points Prepaid interest Appraisal fee Credit report Assumption fee Escrow (Impound) reserves Mortgage insurance premium Homeowner insurance policy Homeowner warranty Title search Title insurance policy Transfer fee Recording fees Broker fees Reimbursement to seller Attorney (or settlement agent) fees Termite inspection Survey (if required) Charged By Lender Lender Lender Lender Lender Lender Lender Lender Insurance company Warranty company Settlement agent Settlement agent State City or county Real estate broker Seller Settlement agent Inspe Tue, 14 Aug 2007 20:26:38 GMT http://www.scribd.com/doc/243637/Closing-Costs-Chart http://www.scribd.com/doc/243636/ClosingCostsChart Closing Costs Closing Cost Origination fee Discount points Prepaid interest Appraisal fee Credit report Assumption fee Escrow (Impound) reserves Mortgage insurance premium Homeowner insurance policy Homeowner warranty Title search Title insurance policy Transfer fee Recording fees Broker fees Reimbursement to seller Attorney (or settlement agent) fees Termite inspection Survey (if required) Charged By Lender Lender Lender Lender Lender Lender Lender Lender Insurance company Warranty company Settlement agent Settlement agent State City or county Real estate broker Seller Settlement agent Inspe Tue, 14 Aug 2007 20:26:22 GMT http://www.scribd.com/doc/243636/ClosingCostsChart http://www.scribd.com/doc/243635/HomeIQQuiz The H.O.M.E. IQ Quiz Test your knowledge of the home-buying process from start to finish, with the H.O.M.E. IQ Quiz! Answers are provided at the end. Basic Finance 1. A blueprint for understanding your spending is called a(n) a. investment guide b. tax guide c. spending diary d. spending plan A critical strategy to help you reach your financial goals is a. spending whatever you make b. saving money c. maxing out your credit accounts d. getting a loan The benefits of keeping your money in a financial institution include a. convenience b. cost benefits c. safety d. all of the above This type of Tue, 14 Aug 2007 20:23:41 GMT http://www.scribd.com/doc/243635/HomeIQQuiz http://www.scribd.com/doc/243634/Home-Quiz The H.O.M.E. IQ Quiz Test your knowledge of the home-buying process from start to finish, with the H.O.M.E. IQ Quiz! Answers are provided at the end. Basic Finance 1. A blueprint for understanding your spending is called a(n) a. investment guide b. tax guide c. spending diary d. spending plan A critical strategy to help you reach your financial goals is a. spending whatever you make b. saving money c. maxing out your credit accounts d. getting a loan The benefits of keeping your money in a financial institution include a. convenience b. cost benefits c. safety d. all of the above This type of Tue, 14 Aug 2007 20:23:25 GMT http://www.scribd.com/doc/243634/Home-Quiz http://www.scribd.com/doc/243633/HomeIQQuiz The H.O.M.E. IQ Quiz Test your knowledge of the home-buying process from start to finish, with the H.O.M.E. IQ Quiz! Answers are provided at the end. Basic Finance 1. A blueprint for understanding your spending is called a(n) a. investment guide b. tax guide c. spending diary d. spending plan A critical strategy to help you reach your financial goals is a. spending whatever you make b. saving money c. maxing out your credit accounts d. getting a loan The benefits of keeping your money in a financial institution include a. convenience b. cost benefits c. safety d. all of the above This type of Tue, 14 Aug 2007 20:23:09 GMT http://www.scribd.com/doc/243633/HomeIQQuiz http://www.scribd.com/doc/243632/Home-Checklist Use the following checklists to track your progress through the home-buying process. Basic Finance Identify your financial goals Create a Spending Plan Identify ways to save Create a system for managing your money Set up a savings account How Credit Affects You Review the lesson Basic Finance Obtain your free credit report Correct any errors found on your credit report Take action to improve your credit Preparing for Home Ownership Review the lesson Basic Finance Review the lesson How Credit Affects You Evaluate the benefits of home ownership Complete the Ready to Own? Self Assessment Determi Tue, 14 Aug 2007 20:21:14 GMT http://www.scribd.com/doc/243632/Home-Checklist http://www.scribd.com/doc/243628/Piper-Internet-Research-The-User-Revolution- I N V E S T M E N T R E S E A RC H T H E U S E R R E VO LU T I O N THE NEW ADVERTISING ECOSYSTEM AND THE RISE OF THE INTERNET AS A MASS MEDIUM FEBRUARY 2007 Safa Rashtchy Managing Director, Senior Analyst, Internet Media, Commerce and Marketing Aaron M. Kessler, CFA Vice President, Senior Analyst, Internet Media, Commerce and Marketing Paul J. Bieber Research Analyst, Internet Media, Commerce and Marketing Nathaniel H. Schindler Research Analyst, Internet Media, Commerce and Marketing Judith C. Tzeng Research Analyst, Internet Media, Commerce and Marketing chad.e.klatt@pjc.c Tue, 14 Aug 2007 20:13:18 GMT http://www.scribd.com/doc/243628/Piper-Internet-Research-The-User-Revolution- http://www.scribd.com/doc/239415/Debt-Consolidation-Guide Guide to Debt Consolidation An Interactive Workbook 1-888-265-3662 *Debt consolidation loans are any type of credit you use to consolidate debt. The most popular loans to consolidate debt are: • • • Cash-out refinance debt consolidation loans Second mortgage debt consolidation loans • Home equity line of credit (HELOC) • Home equity loan Credit card balance transfers • • Debt consolidation loans often relieve a budget crunch. By bringing monthly payments down, debt consolidation loans free up cash for current household needs. Some options — the cash-out refinance an Fri, 10 Aug 2007 22:12:12 GMT http://www.scribd.com/doc/239415/Debt-Consolidation-Guide http://www.scribd.com/doc/239414/guide-debt-consolidation1 Guide to Debt Consolidation An Interactive Workbook 1-888-265-3662 *Debt consolidation loans are any type of credit you use to consolidate debt. The most popular loans to consolidate debt are: • • • Cash-out refinance debt consolidation loans Second mortgage debt consolidation loans • Home equity line of credit (HELOC) • Home equity loan Credit card balance transfers • • Debt consolidation loans often relieve a budget crunch. By bringing monthly payments down, debt consolidation loans free up cash for current household needs. Some options — the cash-out refinance an Fri, 10 Aug 2007 22:11:56 GMT http://www.scribd.com/doc/239414/guide-debt-consolidation1 http://www.scribd.com/doc/239413/Equity-Loan-Guide Everything you need to know about an equity loan or using your home for cash. Consider tapping the home equity safety net that’s right under your roof — for a line of credit or fixed rate mortgage that can equal fast, flexible extra cash. Even if you have lessthan-perfect credit. If you’ve been making payments on your home loan, or your home’s market value (the price you could get for it if you sold it today) has gone up since you bought it, you probably have equity in your home that you may be able to use for extra cash. 1-888-265-3662 *What is home equity? Home equity is simply th Fri, 10 Aug 2007 22:11:27 GMT http://www.scribd.com/doc/239413/Equity-Loan-Guide http://www.scribd.com/doc/239412/demystifiedequityloan Everything you need to know about an equity loan or using your home for cash. Consider tapping the home equity safety net that’s right under your roof — for a line of credit or fixed rate mortgage that can equal fast, flexible extra cash. Even if you have lessthan-perfect credit. If you’ve been making payments on your home loan, or your home’s market value (the price you could get for it if you sold it today) has gone up since you bought it, you probably have equity in your home that you may be able to use for extra cash. 1-888-265-3662 *What is home equity? Home equity is simply th Fri, 10 Aug 2007 22:11:10 GMT http://www.scribd.com/doc/239412/demystifiedequityloan http://www.scribd.com/doc/239409/Demystifying-Your-Home-Loan-Options- Demystifying Your Home Loan Options There’s a home loan solution for just about any need whether you are a first time homebuyer or have less-than-perfect credit. 1-888-265-3662 *Types of Home Loans • • • • • • • • • • • • • What’s right for you? There are usually other fees included as part of buying a home, called closing costs. Closing costs vary, but usually include: Loan application fees and credit report fees Title search and insurance fees Lender’s attorney fees Property appraisal Inspections Survey Recording fees Transfer taxes Buyer’s attorney Doc Fri, 10 Aug 2007 22:08:05 GMT http://www.scribd.com/doc/239409/Demystifying-Your-Home-Loan-Options- http://www.scribd.com/doc/239408/demystifiedhomeloanoptions Demystifying Your Home Loan Options There’s a home loan solution for just about any need whether you are a first time homebuyer or have less-than-perfect credit. 1-888-265-3662 *Types of Home Loans • • • • • • • • • • • • • What’s right for you? There are usually other fees included as part of buying a home, called closing costs. Closing costs vary, but usually include: Loan application fees and credit report fees Title search and insurance fees Lender’s attorney fees Property appraisal Inspections Survey Recording fees Transfer taxes Buyer’s attorney Doc Fri, 10 Aug 2007 22:07:48 GMT http://www.scribd.com/doc/239408/demystifiedhomeloanoptions http://www.scribd.com/doc/239406/demystifiedhomeloanoptions Demystifying Your Home Loan Options There’s a home loan solution for just about any need whether you are a first time homebuyer or have less-than-perfect credit. 1-888-265-3662 *Types of Home Loans • • • • • • • • • • • • • What’s right for you? There are usually other fees included as part of buying a home, called closing costs. Closing costs vary, but usually include: Loan application fees and credit report fees Title search and insurance fees Lender’s attorney fees Property appraisal Inspections Survey Recording fees Transfer taxes Buyer’s attorney Doc Fri, 10 Aug 2007 22:07:31 GMT http://www.scribd.com/doc/239406/demystifiedhomeloanoptions http://www.scribd.com/doc/239405/demystifiedimprovingcredit No Nonsense Guide to Improving Your Credit Understand the basics and learn how to improve your credit score. Improving or rebuilding credit is an important step toward giving yourself a better financial life. When you improve credit (whether from good to excellent or from poor to good credit), you may find it easier to get a home loan or other financing. Plus, you may qualify for lower interest rates and lower mortgage payments. If you have less-than-perfect credit, you’ll be happy to know that it’s not as difficult as you might think to repair bad credit. We’ll help you understand the Fri, 10 Aug 2007 22:06:53 GMT http://www.scribd.com/doc/239405/demystifiedimprovingcredit http://www.scribd.com/doc/239404/demystifiedimprovingcredit No Nonsense Guide to Improving Your Credit Understand the basics and learn how to improve your credit score. Improving or rebuilding credit is an important step toward giving yourself a better financial life. When you improve credit (whether from good to excellent or from poor to good credit), you may find it easier to get a home loan or other financing. Plus, you may qualify for lower interest rates and lower mortgage payments. If you have less-than-perfect credit, you’ll be happy to know that it’s not as difficult as you might think to repair bad credit. We’ll help you understand the Fri, 10 Aug 2007 22:06:37 GMT http://www.scribd.com/doc/239404/demystifiedimprovingcredit http://www.scribd.com/doc/239403/demystifiedimprovingcredit No Nonsense Guide to Improving Your Credit Understand the basics and learn how to improve your credit score. Improving or rebuilding credit is an important step toward giving yourself a better financial life. When you improve credit (whether from good to excellent or from poor to good credit), you may find it easier to get a home loan or other financing. Plus, you may qualify for lower interest rates and lower mortgage payments. If you have less-than-perfect credit, you’ll be happy to know that it’s not as difficult as you might think to repair bad credit. We’ll help you understand the Fri, 10 Aug 2007 22:06:19 GMT http://www.scribd.com/doc/239403/demystifiedimprovingcredit