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Wednesday, 21 October 2015

A note on traffic exchange programs IN ADSENSE

We understand that our publishers are always looking for ways to attract interested users to their sites. But using third-party tools or services to increase your site traffic may lead to invalid clicks or impressions and result in your account being disabled. For this reason, we'd like to provide you with some guidance about this. 

As many of you already know, our program policies strictly prohibit any means of artificially generating ad impressions or clicks, including third-party services such as paid-to-click, paid-to-surf, auto-surf, and click-exchange programs. These programs offer incentives for users to view web pages or click on ads, resulting in activity that is harmful to our advertisers.

We occasionally receive questions from publishers interested in using traffic exchanges to bring traffic to their site. While these services may help advertise your site, we don't recommend using them, as they may also result in similar invalid activity. We realize that you may have questions about a specific traffic service and whether it could potentially create invalid impressions or clicks. However, please understand that we're unable to comment on any particular third-party service.

As a parting note, we encourage you to read through our tips and guidelines and Webmaster Guidelines to help keep your account in good standing. These guidelines advise publishers to "Provide unique and relevant content that gives users a reason to visit your site first," and we feel this is ultimately the best way to attract more visitors to your site and build a truly loyal audience.



SOME TRAFFIC EXCHANGER SITES ARE HERE:

https://hitleap.com/
http://www.sendsurf.com/
https://www.10khits.com/
http://hit2hit.com/
http://www.startxchange.com/
I HOPE IT IS VERY USEFULL TO YOU

Friday, 16 October 2015

10 Best Attorneys and Firms For Client Satisfaction


Michaelj
Michael J. Catalfimo
Family Law 10 Best
Michael J. Catalfimo represents a number of businesses and individuals facing civil litigation and transactional matters. He handles a variety of cases for both Public and private sectors.
Charles
Charles D. Stark
Family Law 10 Best
Charles Stark has 35 years of experience handling family law, estate planning, business law and real estate matters. He provides prompt updates to his clients. He approaches his clients with personal and caring touch.
Jonathan
Jonathan D. Steele
Family Law 10 Best
Jonathan D. Steele handle’s all cases related to family law. He litigates divorce, child custody, paternity and post-dissolution for his clients.
Robert
Robert J. Behal
Family Law 10 Best
Robert “Bob” Behal is has been practicing law in Ohio since 1977. He handles cases for Business Law, Divorce Law, probate and estate planning.  

11 Lawyers You Definitely Don't Want To See Across The Aisle

When one thinks of a lawyer, most imagine the television kind. The Atticus Finches, the Perry Masons, the Jack McCoys. Those guys are not your behind-the-desk, paper shuffling types.
They are trial lawyers.
And they do exist in real life, though it is not as easy as it looks on TV.
Trial lawyers are a special breed who think quickly on their feet, who can break down a situation and a person in real time. Of course, they only get to the breaking the witness point by first breaking down the mountains of information lurking in the background of any legal battle.
The group we've gathered here are giants in the courtroom. Their peers are in awe of how they operate, and their reputation brings them the best, most complicated, bet-the-company cases.
It is hard to put your finger on what makes a great trial attorney, but one thing is definitely true. Although toughness of mind is important, it's impossible to bring home wins if the jury does not like you. We've highlighted some of their biggest cases and talked to several of them about what makes a trial lawyer a great one.

Attorney AT LAW

Attorney vs. Lawyer Definition

The terms attorney and lawyer are often used interchangeably in the United States. There is very little distinction made between the two. This difficulty to differentiate is a result of the fact that in the United States, unlike in other countries, this distinction is not made. However, a slight one does exist.

What Qualifies Someone as a Lawyer?

A lawyer is someone who is learned and trained in  law. Yet, they may not actually practice law. They often give legal advice. By attending law school in the United States, one can be considered a lawyer. A student of law must pass thebar exam in their particular jurisdiction in order to practice law by providing legal representation. Otherwise, the opportunities to use their law education are limited.

What Qualifies Someone as an Attorney?

An attorney at law or attorney-at-law is typically abbreviated to attorney in everyday conversation. An attorney is considered the official name for a lawyer in the United States. The first known use of the term attorney-at-law was in 1768.
An attorney-at-law is defined as a practitioner in a court of law who is legally qualified to prosecute and defend actions in such court on the retainer of clients. The English word attorney has French origins, meaning “a person acting for another as an agent or deputy.” An attorney actually practices law in court whereas a lawyer may or may not. An attorney has passed the bar exam and has been approved to practice law in his jurisdiction.
Although the terms often operate as synonyms, an attorney is a lawyer but a lawyer is not necessarily an attorney. To the general public, these terms may be used interchangeably but to the American Bar Association, the slight distinction is significant.

Other Common Law Terms of Distinction

In other common law jurisdictions around the world such as England and Wales, more specific distinctions are drawn. There, they differentiate between those who practice law in court and those who do not by the use of terms such as solicitors, barristers, and advocates. In other countries, public notaries are also distinguished from attorneys.
A solicitor is a lawyer who deals with any legal matter. Typically, they don’t appear in court but prepare legal documents and work directly with clients providing legal advice. Historically, the term solicitor was used in the United States. It was referred to lawyers who handled cases in a court of equity. Whereas attorneys, at that time, only dealt with cases in a court of law.
On the other hand, barristers are called upon by solicitors if their case requires a court appearance. A barrister doesn’t work directly with clients but receives referrals from solicitors who are often retained by their clients. The solicitor will assist the barrister with all preparations for the case outside of court. Although this is not always the case, an advocate is another term for barrister in many English-law based jurisdictions.

The Professional Title Esquire

An additional term used is esquire. It is employed at the end of an attorney’s name, abbreviated as Esq. Its purpose is to give an honorary title. Similar to the use of the abbreviations Dr. or Ph.D., it also signifies a professional title. Its origins are in England where the title was once reserved for males, as a term of respect for those of high social rank.
Esquire is a title one may tack on without the approval of the American Bar Association or any other legal entity. Therefore, it can be somewhat controversial. Some have added it to their names without having obtained the actual qualifications. This gives the false perception of their ability to legally practice law. Therefore, it serves to be cautious and not presumptuous when encountering this term.

Lawyer and Attorney Education

If you are interested in pursuing a career as a lawyer or attorney, choose what education level that best describes you:

THE TOP 10 HOME MORTGAGE WEBSITES

The Top TenXW

1VoteEQuicken Loans
There is a reason Quicken Loans is America's largest online lender. They are also the second largest retail mortgage lender. With competitive rates and tons of options, Quicken is your one-stop shop for all your lending needs.M+7
I like quicken loans it is fast... - jhazminjagunapM-1
Visit Website9
2VoteEWells Fargo
One of the largest and oldest banks in the US, Wells Fargo is a great choice. They are the choice I personally use and I have an easy time paying online. Great rates and tons of services.M+7
I was approved for a mortgage loan online in 2010. I still live in the same home and with the VA Loan, the interest rate remains the same. Thanks Wells Fargo!M+3
Visit Website9
3VoteECitiMortgage
Citi Bank has you covered when it comes to your financing needs. They can keep you in your house for years to come.M+2
It's a good mortgage company! - PizzaGuy
Visit Website9
4VoteEUSBank Mortgage
Another bank option, USBank can offer some of the most competitive rates in the business. Why pay more than you have to right?M+1
Visit Website9
5VoteEColonial NationalVisit Website9
6VoteEDiscover Mortgage
Most people think of Discover as being just another credit card. They are much more than that though. Discover has a bank structure that does lending of all types from auto to home loans.M+1
Visit Website9
7VoteEFidelity Home MortgageVisit Website9
8VoteEFirst FederalVisit Website9
9VoteEU.S. Mortgage CorpVisit Website9
10VoteELiberty Mortgage CorporationVisit Website9

The Contenders

11VoteEBank of AmericaVisit Website
12VoteEChase
I got a SUPER low interest rate and they were able to make my closing date which was a little over a month. I was surprised because I thought they would be much higher than the competition but ended up saving me a lot of money.

Also, if you are already a customer with Chase you can get your mortgage payment taken out automatically every month which not only saves you a check, it also saves you 1% on your monthly payment. Every little bit helps!M-1
Visit Website
13VoteELendingtreeVisit Website
14VoteEUSAAVisit Website
15VoteEPHH MortgageVisit Website

TOP 10 BEST HOME MORTGAGE

Top 10 mortgage tips for 2015

Couple looking at house pictures on a tablet © Andrey_Popov/Shutterstock.com
After mortgage rates stayed surprisingly low in 2014, who knows how they will shake out in the new year?
Either way, borrowers who want to refinance or buy a home have the best chance to get the lowest rate by knowing more, not less, about the mortgage game.
These 10 tips can help you navigate the mortgage process in 2015.

1. Pay less mortgage insurance

Many homebuyers don't have enough cash on hand to make a 20 percent down payment, which means that they generally are required to pay for mortgage insurance as part of their monthly mortgage payment. This insurance protects lenders when a borrower defaults on the loan.
Until late 2014, Fannie Mae and Freddie Mac required down payments of at least 10 percent. The requirement pushed many homebuyers into Federal Housing Administration-insured loans, which have a minimum down payment of 3.5 percent. The problem is that FHA premiums are costlier than private mortgage insurance.
But in 2015, qualified borrowers will be able to get Fannie- and Freddie-backed mortgages with down payments as little as 3 percent. Mortgage insurance premiums vary according to credit score and size of down payment, but private mortgage insurance premiums generally are more affordable than FHA premiums.

2. Get a thorough preapproval

Not only do sellers often prefer buyers who come preapproved by a lender, making their offers more attractive, but a preapproved mortgage also can help you avoid any hiccups down the line.
With a real preapproval, a mortgage broker or bank loan officer will pull your credit report and submit supporting documentation to their automated underwriting system. This allows the bank to give you more accurate terms based on your actual credit score, debt obligations and income, instead of relying on your estimates. It also puts you ahead of the process when you finally go into contract and could help you close faster.

3. Maintain your credit profile

In the months leading to your home purchase, avoid changing your credit obligations, especially between a preapproval and the closing of your mortgage. The reason? It could hurt your credit score in a way that would raise the rate and fees related to your loan or, at worst, keep you from qualifying altogether.
Don't close or open any credit cards. Keep balances on your credit cards within normal range so it won't mess with your debt-to-income ratio, a key factor in determining mortgage rates. And don't buy a new ride. The car company doesn't care if you have a house, but your mortgage lender cares if you have a big car payment.

4. Get organized

Gather and keep every piece of financial paper in the two months leading up to buying a house. That means pay stubs, bank statements for savings, checking and investment accounts, W-2s, tax returns for the previous two years, canceled rent checks and any mortgage or property tax statements for other property you own. And for gosh sake, it's almost 2015. Put these in PDF format to make it easier to send to your mortgage broker or bank.

5. Don't move money around

In the months leading up to your home purchase, keep your hands off your finances. That includes moving money from a savings account into a certificate of deposit, or CD. It also means no cashing in investments from stocks, retirement accounts or CDs. Otherwise, you will create a huge headache for yourself as you try to show the bank the paper trail of where that money came from. In a similar vein, avoid paying off debts with savings because that could cause your lender to worry about how you will pay for closing costs.

6. Prepare to write letters

Lenders these days scrutinize every corner of your financial life, and if something looks funny, even just a little bit, they will want to know why. That means you will have to write letters explaining the oddity.
For example, they may want a letter explaining why a credit card issuer pulled your credit three months ago when you applied for a store credit card. Or, why Grandpa gave you a check for $500 around Christmas. Lenders also may want you to explain why you changed jobs a few months ago or why you moved around several times in the past year. Don't fight it. Write 'em, send 'em and move on.
FEATURED RATES

Find the Best and Latest Refinance Rates for Los Angeles, CA

Compare rates with confidence. Rates are accurate and available as of the date seen for Bankrate customers. Please be sure to identify yourself as a Bankrate consumer to lenders to ensure you get the Bankrate.com rate. Bankrate.com has today's most competitive refinance rates.
Criteria used: 30 yr fixed refi, All Points, Credit Score 740+, 20% Down Payment
  • State:
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Sort by:
Lender
|
APR
|
Rate
|
Points
|
Fees in APR
|
Est. payment
NMLS # 2890
State Lic # 413-0477
877-332-9136
APR: 3.683%
Rate: 3.625%
Points: 0.000
 
Lock: 30 day
Fees in APR: $1,170
Est payment: $752
Next
Fri Oct 16
NMLS # 1071
877-205-8758
APR: 3.707%
Rate: 3.625%
Points: 1.000
 
Lock: 30 day
Fees in APR: $0
Est payment: $752
Next
Fri Oct 16
Ask about our no fee option!
NMLS # 152859
State Lic # 152859
877-210-5086
APR: 9.478%
Rate: 9.125%
Points: 1.100
 
Lock: 30 day
Fees in APR: $3,226
Est payment: $1,342
Next
Fri Oct 16
NMLS # 3294
State Lic # 4130479
877-273-5644
APR: 3.625%
Rate: 3.625%
Points: 0.000
 
Lock: 45 day
Fees in APR: $0
Est payment: $752
Next
Fri Oct 16
A QUARTER CENTURY OF EXCELLENCE. NMLS# 3294.
NMLS # 2890
State Lic # 413-0477
877-332-9136
APR: 3.574%
Rate: 3.375%
Points: 1.100
 
Lock: 30 day
Fees in APR: $2,219
Est payment: $729
Next
Fri Oct 16
NMLS # 2826
State Lic # 413-0714
877-342-3151
APR: 3.625%
Rate: 3.625%
Points: 0.000
 
Lock: 30 day
Fees in APR: $0
Est payment: $752
Next
Fri Oct 16
NMLS # 3294
State Lic # 4130479
877-273-5644
APR: 3.581%
Rate: 3.500%
Points: 1.000
 
Lock: 45 day
Fees in APR: $0
Est payment: $741
Next
Fri Oct 16
A QUARTER CENTURY OF EXCELLENCE. NMLS# 3294.
NMLS # 133056
State Lic # 01767474
877-526-1756
APR: 3.625%
Rate: 3.625%
Points: 0.000
 
Lock: 45 day
Fees in APR: $0
Est payment: $752
Next
Fri Oct 16
Thank you for your inquiry. We will be in touch shortly!
NMLS # 133056
State Lic # 01767474
877-526-1756
APR: 3.491%
Rate: 3.375%
Points: 1.100
 
Lock: 45 day
Fees in APR: $551
Est payment: $729
Next
Fri Oct 16
Thank you for your inquiry. We will be in touch shortly!
NMLS # 78669
State Lic # 01426454
877-391-0235
APR: 3.647%
Rate: 3.625%
Points: 0.000
 
Lock: 30 day
Fees in APR: $450
Est payment: $752
Next
Fri Oct 16
Our goal is to provide our customers with a high level of service
NMLS # 152859
State Lic # 152859
877-210-5086
APR: 4.125%
Rate: 4.125%
Points: 0.000
 
Lock: 30 day
Fees in APR: $0
Est payment: $800
Next
Fri Oct 16
NMLS # 66247
State Lic # 603K498
877-313-9223
APR: 3.750%
Rate: 3.750%
Points: 0.000
 
Lock: 31 day
Fees in APR: $0
Est payment: $764
Next
Fri Oct 16
NMLS # 3294
State Lic # 4130479
877-273-5644
APR: 3.537%
Rate: 3.375%
Points: 2.000
 
Lock: 45 day
Fees in APR: $0
Est payment: $729
Next
Fri Oct 16
A QUARTER CENTURY OF EXCELLENCE. NMLS# 3294.
NMLS # 134407
State Lic # 4131180
877-320-2966
APR: 3.625%
Rate: 3.625%
Points: 0.000
 
Lock: 46 day
Fees in APR: $0
Est payment: $752
Next
Fri Oct 16
The direct lender to call for great rates and superior service.
NMLS # 164626
State Lic # 4130556
877-526-1118
APR: 3.625%
Rate: 3.625%
Points: 0.000
 
Lock: 60 day
Fees in APR: $0
Est payment: $752
Next
Fri Oct 16
NMLS # 2043
State Lic # 6036965
877-381-2309
APR: 3.643%
Rate: 3.625%
Points: 0.000
 
Lock: 45 day
Fees in APR: $370
Est payment: $752
Next
Fri Oct 16
NMLS # 424182
877-345-3679
APR: 3.820%
Rate: 3.750%
Points: 0.000
 
Lock: 30 day
Fees in APR: $1,399
Est payment: $764
Next
Fri Oct 16
FDIC Insured Bank No Closing Cost Programs Available
NMLS # 2826
State Lic # 413-0714
877-342-3151
APR: 3.581%
Rate: 3.500%
Points: 1.000
 
Lock: 30 day
Fees in APR: $0
Est payment: $741
Next
Fri Oct 16
NMLS # 1071
877-205-8758
APR: 3.750%
Rate: 3.750%
Points: 0.000
 
Lock: 30 day
Fees in APR: $0
Est payment: $764
Next
Fri Oct 16
Ask about our no fee option!
NMLS # 2890
State Lic # 413-0477
877-332-9136
APR: 3.623%
Rate: 3.500%
Points: 0.100
 
Lock: 30 day
Fees in APR: $2,333
Est payment: $741
Next
Fri Oct 16
NMLS # 78669
State Lic # 01426454
877-391-0235
APR: 3.603%
Rate: 3.500%
Points: 1.000
 
Lock: 30 day
Fees in APR: $450
Est payment: $741
Next
Fri Oct 16
Our goal is to provide our customers with a high level of service
NMLS # 66247
State Lic # 603K498
877-313-9223
APR: 3.805%
Rate: 3.500%
Points: 2.000
 
Lock: 30 day
Fees in APR: $2,795
Est payment: $741
Next
Fri Oct 16
NMLS # 133056
State Lic # 01767474
877-526-1756
APR: 3.545%
Rate: 3.500%
Points: 0.100
 
Lock: 45 day
Fees in APR: $757
Est payment: $741
Next
Fri Oct 16
Thank you for your inquiry. We will be in touch shortly!
NMLS # 134407
State Lic # 4131180
877-320-2966
APR: 9.113%
Rate: 9.000%
Points: 1.000
 
Lock: 46 day
Fees in APR: $0
Est payment: $1,328
Next
Fri Oct 16
The direct lender to call for great rates and superior service.
NMLS # 134407
State Lic # 4131180
877-320-2966
APR: 9.227%
Rate: 9.000%
Points: 2.000
 
Lock: 30 day
Fees in APR: $0
Est payment: $1,328
Next
Fri Oct 16
The direct lender to call for great rates and superior service.
NMLS # 66247
State Lic # 603K498
877-313-9223
APR: 3.761%
Rate: 3.625%
Points: 1.000
 
Lock: 30 day
Fees in APR: $1,095
Est payment: $752
Next
Fri Oct 16
NMLS # 152859
State Lic # 152859
877-210-5086
APR: 4.038%
Rate: 4.000%
Points: 0.100
 
Lock: 30 day
Fees in APR: $586
Est payment: $788
Next
Fri Oct 16
NMLS # 1071
877-205-8758
APR: 3.663%
Rate: 3.500%
Points: 2.000
 
Lock: 30 day
Fees in APR: $0
Est payment: $741
Next
Fri Oct 16
Ask about our no fee option!
NMLS # 1146941
State Lic # 01898298
APR: 3.625%
Rate: 3.625%
Points: 0.000
 
Lock: 30 day
Fees in APR: $0
Est payment: $752
Next
Fri Oct 16
APR: 3.875%
Rate: 3.875%
Points: 0.000
 
Lock: 60 day
Fees in APR: $0
Est payment: $776
Next
Fri Oct 16
NMLS # 991397
State Lic # 01926580
APR: 3.758%
Rate: 3.750%
Points: 0.000
 
Lock: 30 day
Fees in APR: $164
Est payment: $764
Next
Fri Oct 16
All online. No annoying phone calls. No paper. No hassles.
APR: 3.707%
Rate: 3.625%
Points: 1.000
 
Lock: 60 day
Fees in APR: $0
Est payment: $752
Next
Fri Oct 16
NMLS # 991397
State Lic # 01926580
APR: 3.694%
Rate: 3.625%
Points: 0.100
 
Lock: 30 day
Fees in APR: $1,239
Est payment: $752
Next
Fri Oct 16
All online. No annoying phone calls. No paper. No hassles.
NMLS # 991397
State Lic # 01926580
APR: 3.653%
Rate: 3.500%
Points: 1.100
 
Lock: 30 day
Fees in APR: $1,284
Est payment: $741
Next
Fri Oct 16
All online. No annoying phone calls. No paper. No hassles.
Armed Forces Bank, N.A.
APR: 4.040%
Rate: 4.000%
Points: 0.000
 
Lock: 30 day
Fees in APR: $800
Est payment: $788
 
Thu Oct 15
First Tech Credit Union
APR: 3.795%
Rate: 3.750%
Points: 0.000
 
Lock: 30 day
Fees in APR: $898.50
Est payment: $764
 
Thu Oct 15
Regent Bank
APR: 3.923%
Rate: 3.875%
Points: 0.000
 
Lock: 30 day
Fees in APR: $955
Est payment: $776
 
Thu Oct 15
Amalgamated Bank
APR: 3.699%
Rate: 3.625%
Points: 0.000
 
Lock: 60 day
Fees in APR: $1,493
Est payment: $752
 
Thu Oct 15
LincolnWay Community Bank
APR: 3.804%
Rate: 3.750%
Points: 0.000
 
Lock: 30 day
Fees in APR: $1,085
Est payment: $764
 
Thu Oct 15
San Diego County Credit Union
APR: 3.941%
Rate: 3.875%
Points: 0.500
 
Lock: 60 day
Fees in APR: $499
Est payment: $776
 
Thu Oct 15
HSBC Bank USA, N.A.
APR: 3.641%
Rate: 3.606%
Points: 0.000
 
Lock: 60 day
Fees in APR: $704.50
Est payment: $751
 
Wed Oct 14
IAB Financial Bank
APR: 3.916%
Rate: 3.875%
Points: 0.000
 
Lock: 30 day
Fees in APR: $828
Est payment: $776
 
Wed Oct 14
OneWest Bank, FSB
APR: 3.979%
Rate: 3.875%
Points: 0.209
 
Lock: 60 day
Fees in APR: $1,727
Est payment: $776
 
Wed Oct 14
Union Bank
APR: 3.991%
Rate: 3.875%
Points: 0.625
 
Lock: 60 day
Fees in APR: $1,266
Est payment: $776
 
Wed Oct 14
Raymond James Bank, NA
APR: 4.194%
Rate: 4.125%
Points: 0.000
 
Lock: 45 day
Fees in APR: $1,354
Est payment: $800
 
Tue Oct 13
Bank of the West
APR: 4.092%
Rate: 4.000%
Points: 0.625
 
Lock: 60 day
Fees in APR: $792.95
Est payment: $788
 
Tue Oct 13
First Citizens Bank
APR: 4.042%
Rate: 4.000%
Points: 0.000
 
Lock: 45 day
Fees in APR: $842
Est payment: $788
 
Mon Oct 12
Schools First FCU
APR: 4.050%
Rate: 4.000%
Points: 0.000
 
Lock: 45 day
Fees in APR: $995
Est payment: $788
 
Mon Oct 12
Star One Credit Union
APR: 3.755%
Rate: 3.750%
Points: 0.000
 
Lock: 60 day
Fees in APR: $105
Est payment: $764
 
Mon Oct 12
Zions Bank
APR: 4.287%
Rate: 4.250%
Points: 0.000
 
Lock: 35 day
Fees in APR: $718
Est payment: $812
 
Thu Oct 08
Many lenders have different rates on their own websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate customer. Rates are subject to change without notice and may vary branch to branch. These quotes are from banks, and thrifts, some of whom have paid for a link to their own Web site where you can find additional information. More information.
Powered by:Bankrate.com

7. Get your gift early

If a family member is gifting some or all of your down payment, make sure it's deposited in your bank account more than two months before you apply for a mortgage. That way, the bank won't need to source the large deposit. Otherwise, the gift-giver will need to sign a gift letter, stating that the money is indeed a gift and not a loan. The giver also will have to provide the bank with a copy of the check before closing and verification that they have the funds to give by supplying either bank statements or a letter from the giver's bank.

8. Self-employed? Plan ahead even more

Self-employed borrowers have a higher hurdle to overcome after stricter mortgage requirements went into effect in 2014. The rules require documentation of income that includes two years' worth of tax returns, a typically unreliable record of a self-employed person's take-home pay.
To get around it, self-employed borrowers should plan to take fewer deductions the years before buying a house to boost their overall income. If they can't, they may consider a co-signer on the loan whose income is documented by W-2 statements. Otherwise, they may need to search out an unconventional loan that can qualify them based on bank statements alone.

9. Know your refi magic number

If you're thinking about refinancing your home loan, figure out what mortgage rate you need. It's not an easy number to calculate because you need to look at a host of factors regarding your loan, including what you want to get out of the refinance. For example, the refi scenario may differ a lot if you're seven years into your mortgage versus if you're just three years into it. Talk to a mortgage professional about your goals and what it would take to refinance. Your broker will help you find the rate that benefits you most.

10. Get creative with a reverse mortgage

Older homebuyers, especially those with fixed incomes, may want to consider a reverse mortgage to buy a home instead of draining retirement funds. A reverse mortgage lender contributes up to 52 percent of the sales price of a new home, while the senior, who must be at least 62 years old, comes up with the rest. The house is titled in the borrower's name, but the lender retains a security interest in it. There are no monthly payments, and when the home is sold or no longer the borrower's primary residence, the reverse mortgage must be repaid. Any remaining equity belongs to the borrower, heirs or estate


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