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Several months ago Cheap Jahleel Addae Jersey , the 3,000-member California Association of Mortgage Brokers (CAMB) created the first real definition to describe the abusive lending practices of predatory lenders. According to the CAMB, predatory lending was described as "placing consumers in loan products with significantly worse terms andor higher costs than loans offered to similarly qualified consumers in the region for the primary purpose of enriching the originator and with little or no regard for the costs to the consumer."

Most mortgage brokers provide good service to their clients, yet there are a few who use unethical practices. Those brokers, called "predatory lenders" by the CAMB Cheap Keenan Allen Jersey , not only over-charge consumers, but they also get paid in other hidden ways.

For instance, avoid lenders who charge more than the usual three percent fees for a conventional loan or four percent fees for a government-sponsored loan. Even non-prime lenders can''t justify excessive fees.

Also watch for hidden loan costs, such as the Yield-Spread Premium. This term refers to a rebate that''s given to brokers when they place a borrower at an interest rate higher than the rate for which they qualify. Refuse to pay yield-spread premiums and unwarranted fees, and avoid brokers who include these charges in their loans.

Besides charging high points and fees Cheap Melvin Ingram Jersey , predatory lending practices may also include such things as "packing" credit insurance on to a loan, making mortgage loans to homeowners who don''t have the income to repay them, and repeatedly refinancing loans.

When it comes to obtaining a real estate loan, it''s your responsibility to become a knowledgeable consumer, which means you''ll need to keep asking questions of your lender. If you aren''t able to get clear Cheap Joey Bosa Jersey , easily understandable answers to your questions, it''s possible that you may be dealing with a predatory lender.

Copyright ? 2005 Jeanette J. Fisher - All Rights Reserved.


Going for a property viewing in Edinburgh is one of the major steps towards renting or purchasing it. As once a proposed buyertenant approves of the property after viewing, the next step is signing the contract with the landlord.

Hence the person going for a viewing should make the most out of it. He must go prepared, make a checklist. Take a notebook and camera with him to take pictures and notes which can help him later to come to a decision.

Is the property secure?

This is a key factor in selecting any property. Hence you should always start by examining the outside of the property to see it looks secure enough. Think- if you had left keys inside would it be possible to go inside from any window. If you identify one then check for its locks. These locks should be secure and tight enough. As if you can go in, so can a burglar. Also check the burglar alarm (see if it works properly). You should also see if the main entrance is solid and secure enough. Check any locks on it. In fact you should check if there are enough locks in the property and also if they are in good condition. Another thing to consider is adequate outside lighting.

What is the condition of wiring?

You must see if the wiring in the property is in good condition? Are there any repairs that need to be carried out on it? See if the plug sockets in the property are enough for your need Cheap Melvin Gordon Jersey , as you might end up overloading the existing ones, if they aren. If the property comes with electrical appliances like, fridge, freezer, oven then you should check if they are all in working condition.

Does the landlord have a Gas Safety Certificate?

Legally Cheap Philip Rivers Jersey , landlords are required to carry out gas safety inspections from an engineer and provide the tenant with a copy of a Gas Safety Certificate. Besides this, you must take a few precautions yourself and check the flames. If they are blue then it safe. However if it yellow or orange than that means something is probably wrong. Also look for yellow or brown stains around the appliances.

Is the bathroom in a good condition?

For this purpose you should run the entire tap, turned on the shower and flush the toilet to check the water pressure. Also check the hot water from the hot water tap. Make sure the toilet has a window or a de humidifier. Lastly, make sure that the toilet does not leak.

Adrian_Morrison - About Author:
Adrian Morrison is a marketing officer for Greenlet, property lettings website in Edinburgh. If you want more information on flat to rent in edinburgh Cheap LaDainian Tomlinson Jersey , please visit edinburgh flats.
When most people think of media relations, they think of press releases. To be sure, writing and distributing them is one of the most important parts of the job. But press releases may be the most overused tool in the media professional''s arsenal to the detriment of other tools that might have greater results.

When I worked in broadcast news for ABC News and CNN, the fax machines virtually never stopped. We got press releases by the dozen, and by the end of each day Cheap Easton Stick Jersey , we had a ream of press releases. They each had something in common. They each went unread.

To break through the clutter, you''d be wise to occasionally skip the press release and send a personalized note to a reporter instead. This works particularly well when offering a reporter an "exclusive," a story that you will only pitch to a single news organization.

Here are three tips to help make sure your letter gets read:

1) Offer an Exclusive -- News is a competitive business. If a reporter likes your story ? and is convinced that his or her cross-town rival won''t have it ? they are much more likely to carry your news. The offer of an exclusive is an effective tool, but should be thought out carefully, since the news organization that doesn''t get the story may hold it against you.

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