Mortgage banking is one of the fastest growing industries in the country. In the next few years, home purchases are expected to run into the trillions, creating more opportunity than ever for people seeking a career in this profitable industry. Real estate author, columnist, and veteran mortgage banker David Reed offers practical advice on licensing and educational requirements, as well as valuable guidance on the different career options available as a mortgage broker, mortgage banker, correspondent mortgage banker, and more.
To get the biggest return, real estate investors need the right financing. And as they buy multiple properties, their debt to equity rises, making it more difficult to get the kind of deal they need. As many investors have learned the hard way, getting the wrong financing can wipe out their profits, hold them back from selling because of a lack of equity, or force them to try to sell for more than the market will bear. The Real Estate Investor's Guide to Financing is the one book that shows readers how to get the right financial package for the biggest return on their investment. As a respected author and mortgage banker, David Reed has spent more than 20 years helping investors finance their properties. Here, he offers advice on such crucial topics as: * financing options for different property types * the financial implications of renting vs. flipping * setting rental rates * the challenges and benefits of being a landlord, including rent loss coverage * the pros and cons of having partners * tips on financing a second home, duplex, multi-family unit, or condo Complete with essential advice on financing and a glossary of investment terms, this is the one guide that will help readers start making real money.
In this, his first work, Dave Reed brilliantly captures the essence of the profound physical and spiritual renewal waiting deep inside us all. Suddenly challenged by the major life crisis of acute heart disease with all its grave ramifications, Reed could have simply given in to fear, or anger, or worse yet, resignation. Instead, we read of Reed’s courageous determination to change his life, which inspires the reader to turn each and every page. Ultimately, all who read this uniquely honest and personal self-examination will find themselves sharing in the joys of Reed’s transformations. This is a story of almost impossible change, of the zest for life and for living well, and of the powerful new attitudes, which conquer old habits. Most importantly, Reed’s story reminds each of us of the true hero that lies within, temporarily clouded by life’s choices, just waiting for the motivation and desire to be unleashed. A truly remarkable read! -Dr. Tim Dosemagen, Author, ‘Prodigies - A Warring Species And The Human Heart’, and The Impossible - A Collection Of Short Stories And Essays’.
Despite decades of macroeconomic reforms, poverty reduction plans and rural growth strategies, poverty is persistent and environmental degradation is accelerating in the developing world. Though traditional economic indicators have improved in some countries, little has worked to open enduring economic and ecological opportunities to the rural poor. This unacceptable outcome grows, in large part, from the failure to place the needs of the poor at the centre of national development strategies and to link local level changes to urgently needed changes in national development policies. This book is designed to change all of that by showing how change must begin at the local level and, from there, push upwards to change policies and institutions at higher levels to remove political, economic and institutional impediments that stifle opportunities for the rural poor and improved environmental management. This approach challenges the notion that poverty reduction and improved natural resource management can originate with design masters in international organizations or national capitals.Working with teams in China, Indonesia, El Salvador, South Africa and Zambia, WWF devised the revolutionary '3xM' - micro (local), meso (sub-national) and macro (national) - Approach to analysing and intervening to change the poverty dimensions in a country. This approach helps improve the local environment and community livelihoods, and promotes policy and institutional changes at state/provincial and national levels that are essential for the sustainable, equitable development. This book provides both the tools and successful case studies to show practitioners how to adopt the 3xM Approach in diverse developing country contexts. Published with WWF
For many homeowners, refinancing a mortgage can save them significant money, considerably reducing their monthly payments. It can also give them breathing space to pay off debts or allow them to make other investments, pay for college, or finance home improvements. An Insider’s Guide to Refinancing Your Mortgage is dedicated to an often-misunderstood aspect of mortgage lending: refinancing a mortgage loan. Readers will learn why to refinance, when to finance, as well as how to find the best lender, loan officer, and rate. Mortgage expert David Reed takes readers step bystep through the refinance process and shows them how to evaluate their current loan program and compare it with other options. By following Reed’s invaluable advice, homeowners will learn: when a refinance is right for them • how to lock in the absolute lowest rate at the lowest cost • how the mortgage process works from the inside • how loan officers get paid • how to identify and avoid predatory lenders • how to negotiate closing costs An Insider’s Guide to Refinancing Your Mortgage will save readers money and heartache when negotiating a loan.
The housing market is in turmoil, but if there’s a silver lining, it’s the fact that purchase prices are at historic lows. Sure, there are still plenty of predatory lenders waiting to exploit the naïve potential buyer, but those who do their homework will be rewarded with a fair price and manageable mortgage terms. Decoding the New Mortgage Market is a map to finding the best and most realistic mortgage deals while navigating past potential obstacles and traps. Filled with money-saving advice, this practical guide will help prospective buyers understand: • How new lending and underwriting rules affect today’s homebuyer • Different loan types and lending institutions • Credit issues and other qualifying factors • Creative down-payment solutions • How to reduce closing costs and other fees Because lenders and buyers alike have gotten “burned” in the mortgage crisis, finding and qualifying for a manageable loan may now be more difficult. Readers will find that Decoding the New Mortgage Market makes the search both easier and more fruitful, and that their dreams of home ownership are still within their reach.
This text uses the Internet as a central theme, studying its history, technology, and current use. Experimental problems use Web-based tools, enabling students to learn programming fundamentals by developing their own interactive Web pages with HTML and JavaScript.
The Date - September 3, 2005 A top secret intelligence communique delivered to the oval office unfolds a chilling scenario for a proposed nuclear strike against the United States. The target, though undisclosed?an all but sacred American institution?The United States Military Academy at West Point. ?Reed has imaginatively hypothesized a confrontation between the Government and a terrorist conspiracy that threatens an all but sacred U.S. Institution ?The United States Military Academy at West Point. Respectful and sensitive to the history and traditions of the ?Point? where the major part of the story takes place, Reed's ?edge of seat? telling manages to enhance the stature, glamour and romance of the Nation's oldest and most highly esteemed military institution of higher learning while at the same time demonstrating the highly-honed efficacy of government security measures to protect our homeland.? Dr. William F. Atwater, PHD. Director US. Army Ordnance Museum Aberdeen Proving Grounds, MD Consultant to the History Channel
Reno County was founded in 1871, and immediately settlers began arriving to break ground on a new frontier. Life here progressed as in most other Kansas counties until the discovery of salt in 1887. Three railroads competed to establish routes to bring the coal in for the manufacturing process and to ship the salt out. The growth of railroads and the central location of Reno County in Kansas created a hub of activity for the grain industry. Hutchinson became the first town founded in Reno County in 1872 when the Atchison, Topeka & Santa Fe Railroad reached the banks of the Arkansas River. Shortly after, Hutchinson became the county seat and from then on has been at the center of the dramatic changes that have come to the county. Throughout the 20th century, fortunes and empires were built on wheat and salt. Celebrating its 150th anniversary in 2021, Reno County continues to make a national impact with these two industries.
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