Mortgage Broker Forums at Broker Outpost

Kunal (by: kunal)

Ive noticed that you became a member of BO on 11/20/09 welcome! I hope your stay here will be long as well as pleasant. I always admire a new member that automatically post on the off topic forum. Since, Im not familiar with all geographical areas tell me about the near location, Gurgaon, HR? Again welcome to BO. - Last Post by: kunal on 11/20/2009 @ 1:56 PM

Mortgage Broker Fee Disclosure (by: ldunnavant)

If you have a seller paying a point on a loan, would you include that on the Mortgage Broker Fee Disclosure or just what the borrower is paying? - Last Post by: ldunnavant on 11/20/2009 @ 1:55 PM

Wells Freddie Mac Relief Refi Question (by: getfunding)

I have a borrower who would like to pay off his 1st and 2nd, Does Wells Freddie Mac Relief Refi Program (125%) allow for a borrower to refi both into (1) loan? Thanks - Last Post by: getfunding on 11/20/2009 @ 1:54 PM

SEIU Morons (by: Scrooge McDuck)

Scrooge, hope this is interesting to you. SEIU has basically threatened the Boy scouts for picking up trash and making the community better (because those should be things that the UNION is getting paid for) http://townhall.com/columnists/MichelleMalkin/2009/11/20/when_big_labor_bullies_and_volunteers_collide?page=full&comments=true The Boy Scouts motto is: Be prepared. Who knew it meant preparing to defend themselves against purple-shirted union thuggery over community service? Kids, pay attention. This is a teachable moment for all of you on power, politics and Big Labors culture of corruption. Last week at a city council meeting in Allentown, Pa., a top official of the local Service Employees International Union chapter ranted about 17-year-old Scout Kevin Andersons park cleanup work. Anderson devoted some 200 hours to the job in order to earn an Eagle Scout badge. He picked up trash and helped clear a 1,000-foot walking path with fellow members of Boy Scouts Troop 301 of Center Valley. But SEIUs Nick Balzano gave them hell instead of thanks. Balzano disparaged altruistic efforts in city parks and asserted that "there is (sic) to be no volunteers" since his union members were laid off. He then issued a witch hunt threat: "Well also be looking into the Cub Scout or Boy Scout who did the trails. We may file another grievance on that." Citing union rules, he gave the Allentown city council, the Boy Scouts and all potential volunteers an iron-fisted ultimatum: "None of them can pick up a hoe. They cant pick up a shovel. They cant plant a flower. They cant clear a bicycle path. They cant do anything. Our people do that." Thats right. Balzano was ready to bludgeon the Boy Scout because his gung-ho volunteerism posed a threat to the SEIU labor monopoly. The outrageous display of Boss Balzanos union protectionism provoked a national furor. SEIU headquarters in Washington immediately blamed "the disreputable Fox News and other right-wing outlets like Michelle Malkins accuracy challenged blog" for the backlash. While decrying their critics "fiction," SEIU distanced itself from Balzano, denying that he was a top union leader and dismissing his remarks as "unauthorized." Fact: U.S. Department of Labor records from 2008 (their most recent filing) show that Balzano is no rogue rank-and-file member. He currently serves on the SEIU locals executive board and previously served as president. Fact: The union tried to minimize Balzanos grievance threat as "inappropriate." But the dirty open secret is that public-sector unions have routinely attacked volunteer workers who threaten their stranglehold. Last June, union officials in Baraboo, Wis., filed a complaint against volunteer firefighters who built sandbag barricades to protect the city from record flooding. They whined that city Department of Public Works employees should have been called first and demanded overtime pay (for work they didnt do) to compensate them. Yes, kids, the city was knee-deep in water and the government union got mad that other people scrambled to work together in an emergency to put sand in bags, save homes and help their neighbors. Public-sector unions arent about serving the public interest. Theyre about serving their people, their power and their self-preservation. In Montpelier, Vt., several years ago, the teachers union went after a superstar educator, Bill Corrow. The students, staff and supervisors at his school loved the social studies teacher and Vietnam veteran. But the Vermont Education Association hated him because he was a volunteer who did not accept payment for his elective course. Teachers unions are all for parents and schoolchildren volunteering their time to engage in political lobbying and power-expanding initiatives on the unions behalf. But God help the community service-oriented individual with a passion for sharing his knowledge in their classrooms. In California, union heavies in the Sacramento area sued a nonprofit environmental group for using college-age volunteers on a state-funded project to clean up a canyon and build a community trail. Big Labor dusted off an old law that requires community service volunteers to be paid prevailing wages for doing the same kind of cleanup that Allentown Boy Scout Kevin Anderson was punished for doing freely. The law was finally repealed, but not without a brass-knuckles fight. As National Right to Work Committee President Mark Mix, whose group monitors forced union abuses, pointed out during the battle: "Discerning California union bosses real agenda � is not hard. Volunteer workers dont have to pay compulsory union dues to serve their communities, but most paid workers on public projects in California do. � (It) is yet another example of how government-authorized compulsory union dues corrupt the political process and furnish unscrupulous union officials with an enormous incentive to act against the public interest." SEIU President Andy Stern in Washington speaks for all of Big Labor when he describes his organizing philosophy: "We prefer to use the power of persuasion, but if that doesnt work, we use the persuasion of power." President Obama, who has made national service an administration priority, has been and will continue to be silent about the Big Labor bullies who make public enemies of Scouts with trash bags and hoes. You see, kids, Obama owes Stern (his most frequent White House visitor) and his union brethren. SEIU alone poured more than $60 million in compulsory membership dues into Obamas campaign and leaned on its workers to "volunteer" to knock on doors, place phone calls and send out mailers for the Democratic Party. No good deed goes unpunished by union bosses -- unless it benefits their political empire. - Last Post by: Scrooge McDuck on 11/20/2009 @ 1:53 PM

end of world2012 (by: CoolMtgGuy)

What the heck is this . there are so many count done on so many website. have alook http://www.2012supplies.com/countdown.html - Last Post by: CoolMtgGuy on 11/20/2009 @ 1:51 PM

Sports Bar (by: katbunk)

Name your favorite or most hang out Sports Bar. Do you like their food? Services? Is it expensive or reasonable? - Last Post by: katbunk on 11/20/2009 @ 1:50 PM

www.virtualbranch.net or Steltmen (by: 1003s.com)

Has anybody heard of these guys? I have been in the mortgage business 7 years and for the last 1.5 years been killing it in the loan modification business not doing loans. Do to new laws and regulations are sales are down dramatically and we have changed the company structure some. We advertise nationally on the radio and get a lot of incoming calls from all over the country about 40 states. A good amount of the calls lately have been to refinance and not looking to do a mod they all have good credit and arent behind. We would like to be able to offer our customers the option to refinance with us too and not only do mods saying call quicken loans to these customers. The problem is all we have is a brokers license in California. I looked through my contacts and everyone who taught me the business is either out of business, or has cut their state licensing to 10 states or less. I found this virtualbranch.net website on the internet somewhere and it just sounded too good to be true. In my experience usually when it sounds too good in the mortgage business its because its a scam of some sort. Access to 120 lenders, all 50 states, FHA and VA, they pay out 1099 not W2, 100% commission. And on top of all this just 695 a month for unlimited files the unlimited branch set up. We could be funding easily 10-30 loans a month we have 30 sales reps on the floor currently. It just sounds fishy I was hoping for maybe 30 states and a flat 500-750 per file but 695 a month for unlimited files come on lets get real. Can some one tell me about these guys and Chris Mylin is the guy I have been talking to that is selling me on the program. Anyone have any experience with these guys or know anything about them? Are they legit or a scam? Can they really deliver what they are offering and fund loans? Any advice would be appreciated. If you know of a good net or affiliate branch set up please refer me we can do a lot of loans out of this office if we can just place them. Im looking for ethical and legit net branch to partner up with. Thanks Respectfully, Ryan Overman Ryan Overman | Sr. Consultant| DPServicing.com 548 Market Street Ste 97256 | San Fransisco, CA 94104 Office:(800) 540-9913 Ext. 158 | Fax:(949) 417-9454 Email: roverman@dpservicing,com | Company: www.dpservicing.com - Last Post by: 1003s.com on 11/20/2009 @ 1:48 PM

Conv. 90% LTV Condo purchase Flipped (by: Captain Mortgage)

Looking for a California lender that will funded a Conv. 90% LTV Condo Purchase that has been flipped within 90 days. Thanks for your help Dave - Last Post by: Captain Mortgage on 11/20/2009 @ 1:48 PM

Sell PrePaid Legal. Ill pay your Associate FEE. (by: fcunnane3)

Im looking to make it to the next tier and have a budget. You can sell the service right along side of doing whatever you are already doing and make some good residual income, about $138 per sale at the level Ill start you at. Please respond by calling me at 707-291-0017 or shooting me an email at franciscunnane@gmail.com or you can check out my site at prepaidlegal.com/hub/francis15 - Last Post by: fcunnane3 on 11/20/2009 @ 1:45 PM

All Loan Apps to be Face to Face? (by: eh6794)

My processor just got out of a staff meeting with the boss regarding new changes and she stated that all loan applications will eventually have to be face to face? Has anyone else heard this? - Last Post by: eh6794 on 11/20/2009 @ 1:44 PM

Country at a Crossroads (by: zpaperkid)

The U.S. economy is in uncertain times. Analysts are split between those seeing recovery and those fearing a second downturn. This confusion is being echoed in the highest levels of government as President Obama simultaneously speaks about the need for more federal spending and warns of the dangers of increased debt. As the volatile markets indicate, investors are not only confused � they are seriously concerned. The country appears to be going through a period of buyers remorse over the election of Barack Obama. The majority cobbled together by the President one year ago included the Democratic base, independents hoping for �change, and many disaffected Republicans betrayed by the Bush Administrations big-government neoconservatism. It is unlikely that most of these voters favored an overt push toward socialism; however, this is what they have received. As the tea parties illustrate, voters are not only confused � they are seriously concerned. These concerns are justified. The Administrations hard-left turn was evident from the outset. Ignoring expert advice to spend on job-creating infrastructure, Obama spent wildly on entitlements. Now, with rising grassroots discontent, a falling currency, and threats to Americas AAA credit rating, there is some evidence that the Administration is trying to hedge its bets through tough talk. Yet, they still have not taken any tough action. As their gold stockpiling highlights, foreign governments are not only confused � they are seriously concerned. Over at the Federal Reserve, no such soul-searching appears to be underway. Its chairman, Ben Bernanke, is clearly intent on avoiding deleveraging. He has charted a course of massive liquidity injections, financed by hitherto unimaginable levels of monetary inflation. He has even attempted to coordinate these expansionary policies on an international basis. For the moment, the cheap liquidity has saved Wall Street. To the delight of the Goldman Sachs, et al., the Fed has created a boom in financial assets, including equities, bonds and commodities. These rallies have stimulated a nearly universal belief that the worst has past. This feel-good attitude could be clearly seen on a recent cover of The Economist that read: �After the Storm � How to Make the Best of the Recovery. But, to many people, life looks increasingly desperate. Official U.S. figures admit to some 15 million unemployed. Despite the massive stimulus packages, American consumers are still in shock and not spending as they once did. Already, the fall in consumer demand is larger than that of the early 1930s. The authorities now face a moment of truth: admit that they dont have the power to bring the consumer back to life or redouble their efforts, consequences be damned. The whole world awaits the decision, which could indicate a wild inflation, a major recession or the worst of both. Should the Administration accept, or even be forced to accept, an ultimately healthy deleveraging, a deep recession would ensue. Entitlements would have to be dramatically reduced while taxes remain unreasonably high. Otherwise, the federal government could face outright default. Barring a popular revolt, this course would lead to a sustainable recovery. On the other hand, if the government continues to run the printing presses, as seems far more likely, hyperinflation will become a distinct possibility. While this may create the appearance of recovery, with rising stocks and less short-term unemployment, average citizens will notice a sharp decline in their standard of living. It will get harder and harder to make ends meet as wages increase less than the cost of everyday goods. The hyperinflation scenario will likely buy the Administration a little more time, but would eventually give way to the worst of all possible worlds: hyperinflationary depression. Here, America would feel a deep recession concurrent with rising prices � similar to what were seeing right now with gold. This is truly a devastating outcome and should be avoided at all costs. America is at a crossroads. It is important in these times to have leaders we can trust to make the right decisions, even if they are unpopular. Obama, Bernanke, Reid, Dodd, Pelosi, Frank� These are not names that are trusted to make wise choices over expedient ones. The markets know it; the voters know it; and, judging by the price of gold, the rest of the world knows it too. - Last Post by: zpaperkid on 11/20/2009 @ 1:42 PM

Lot Loan - Takeout Baloon / Construction Loan ? (by: rktekt)

Looking for a lender to take out an existing lot loan - $110,000 - value +/- $ 260,000 + (real value, thats very close to saleable price) - excellent credit, income and assets. Also looking for a construction loan - La Habra Heights area for this property, future value of 2350 SF home, +/- $ 750,000 - take out the land loan, plus construction costs / soft costs to re-work the entitlements to a smaller home. They have near-approval on all levels for a larger house. Thanks for any comments or suggestions. - Last Post by: rktekt on 11/20/2009 @ 1:42 PM

Landrieu(D) gets $100m for LA in HC Bill (by: VVance)

It just magically appeared after her meeting with Reid, amazing! Dont you wish your senator held out for a deal before giving away his/her vote?...Do you even think this was an attempt to buy a vote?...Nah, in an admin so against the status quo and for change, couldnt happen...Could it? Looks like the bill cant stand on its own merit and they need to go back to SOPs in D.C. to get it thru(if), sad for something so big that will impact EVERYONE... - Last Post by: VVance on 11/20/2009 @ 1:41 PM

Condominium (by: highbill1021)

I have a borrower that is looking to buy a condominium that does not have the association setup yet. I cant take it conforming b/c they recently had a chapter 13 discharged. Are there any lenders out there that will do this loan? Thanks - Last Post by: highbill1021 on 11/20/2009 @ 1:28 PM

GALLUP SHOWS OBAMA AT 49% (by: VVance)

Bout time they joined the rest of the world... http://www.gallup.com/Home.aspx - Last Post by: VVance on 11/20/2009 @ 1:25 PM

Whats With This GetLoans4Me Idiot? (by: frank drigotas jr)

And Ive never called anybody on BO an idiot before, never. Does anyone know why he comes across that way? dollar - Last Post by: frank drigotas jr on 11/20/2009 @ 1:25 PM

Only for football lovers (by: caadacjohn)

http://goallineblitz.com/game/signup.pl?ref=17900137 check out the game above...its free, and Ive been playing for over a year now. You create your own football player, choose the position, get on a team, get special abilities, buy equipment, you can scout, be an offensive/defensive coordinator, etc... if you love football youll love this game! - Last Post by: caadacjohn on 11/20/2009 @ 1:24 PM

TOP 20 WHOLESALE LENDERS - WESTCOAST (by: samman5150)

TOP 20 WHOLESALE LENDERS - WEST COAST Just wanted to get your ideas about who is out there funding loans. Who is dong a good job. I want name of Company, Rep Name, Phone #, What kind of loans they do, and why they are great. (Please no voting for yourself wholesale lenders... If your good tell one of your brokers to post.) - Last Post by: samman5150 on 11/20/2009 @ 1:21 PM

Manufactured with good rates (by: willhs10)

Anyone still doing these? - Last Post by: willhs10 on 11/20/2009 @ 1:20 PM

Have a great weekend guys/gals! (by: assassin17)

Im out to play some poker at the commerce casino. - Last Post by: assassin17 on 11/20/2009 @ 1:16 PM

Are you Mad/Pissed off/Angry? (by: zpaperkid)

By Sharon Jayson, USA TODAY Are we bad for getting mad? Psychologists say its normal to get angry. We all do it � and we need to feel anger. Its a basic human emotion, they say. More and more, though, we see people losing their cool in public. And the kind of outbursts seen at town hall meetings on health care reform, on tennis courts, on the Internet and even during speeches by the president are increasingly a part of everyday life. "There is very little, if any, social consequence to turning on the flames," says Art Markman, a psychology professor at the University of Texas-Austin, who has written about the anonymity of the Internet making people feel freer to express anger. Theres no official data suggesting Americans are angrier today than in the past. Psychologists and other experts even disagree on whether people really are angrier or just have fewer inhibitions about acting out in public. Some say narcissism and feelings of entitlement, which are reportedly on the rise, make people upset when they dont get what they want. And the culture of open expression � including TV and radio talk shows that fuel the fury � suggest that explosive behavior is becoming routine. There are plenty of things to be angry about lately: lost jobs, pay cuts, reduced home values and war, to name just a few. "You see pictures on the news of these grown adults screaming and yelling at each other over the whole insurance issue," says workshop leader John Lee of Mentone, Ala., author of The Anger Solution, published in September. "When theres a massive amount of stress, there will be massive amounts of anger and rage." Its also providing fodder for researchers. More than 20 presentations on anger and its effects on health and relationships are scheduled at the four-day annual meeting of the Association for Behavioral and Cognitive Therapies starting today in New York. "Anger is a normal, natural, emotional experience that is characteristic not only of people but of animals," says Charles Spielberger, director of the Center for Research in Behavioral Medicine and Health Psychology at the University of South Florida-Tampa. Spielberger, a psychologist known for developing a widely used system to measure peoples anger, says anger is "built into us" and has helped humans survive. "Its at the extremes of anger that it becomes pathological and characteristic of some psychiatric disorders," he says. Constructive anger Anger is considered a factor in mental illnesses such as depression, but it is not an official disorder in the Diagnostic and Statistical Manual of Mental Disorders of the American Psychiatric Association. But anger expert Raymond DiGiuseppe, a psychology professor at St. Johns University in Queens, N.Y., is among those who say a new "anger disorder" diagnosis is warranted for people experiencing excessive or uncontrolled anger. But anger is not all negative, psychologists caution. "Anger signals a need that is not being filled. Theres nothing wrong with anger," says Robert Allan, a clinical psychologist at Weill Cornell Medical College/New York Presbyterian Hospital in New York. "The question is how you express it." On the plus side, anger can bring about change. Think about the American Revolution, the Boston Tea Party, womens suffrage, the civil rights movement. "Good anger can get you motivated to resolve conflicts and to fix social injustice and to overcome obstacles in your life," DiGiuseppe says. "You would never want to eliminate" all anger. In the workplace, anger also can motivate employees, as long as its not expressed in a shouting match or fisticuffs, says Ricky Griffin, a professor of management at Texas A&M University-College Station, who studies workplace aggression. "If my boss gives me a low performance appraisal, I may get angry about it, but it may make me want to prove my boss is wrong by working harder," he says. But if hostility or rage takes over, employer responses can range from not promoting the employee to firing the worker. The popular idea of anger simmering until it reaches a boiling point is really a myth because the body doesnt "store" anger, says Allan, author of the 2006 book Getting Control of Your Anger. "If someone keeps bothering you, it may feel like anger is building up. But you are really responding to more negative stimulation. The same problem recurs and recurs ... and boom � you explode, " he says. But "the anger wasnt accumulating; the stimuli keep recurring." Such blow-ups can cause very real damage, including increased risk of heart attack and other health problems, he says. "Its the yelling and screaming and jumping-up-and-down kind of anger that results in sympathetic nervous system activity. It triggers the fight-or-flight response," Allan says. "If youre quietly angry at whomever, your blood pressure and heart rate are normal." Thats far less damaging to your health, he adds. Predicting aggression DiGiuseppe, co-author of the 2006 book Understanding Anger Disorders, will present a full-day workshop on anger today at the meeting of about 3,600 psychologists, psychiatrists, social workers and students in the field. His newest research looks at issues of revenge as a major driver of aggression. Among the 4,787 participants, including children, adolescents and adults in the USA and Canada, he says revenge turns out to be the strongest predictor of whether someone will behave in an aggressive way � either outwardly aggressive or passively aggressive. And he says 1,000 youths in grades 4 through 12 rated their anger as "good" if it accomplished their motives, even if the motives were destructive. "My anger is good because I wanted to make my little brother pick up my toys and I got him to do it" is one survey comment he cites. He says such attitudes dont mean kids are socially maladjusted, nor are parents failing. Rather, they suggest the need for better interventions to help young people change their thinking. Other research on anger and aggression includes a study published last month in the journal Psychological Science. Experiments conducted at Brock University in St. Catharines, Ontario, found that someones facial structure may predict whether the person has a tendency toward aggression. Volunteers glanced at photos of men whose aggressive tendencies had been previously measured. Even though the photos showed neutral expressions, volunteers guesses were fairly accurate. "Estimates of aggression were actually highly correlated with actual aggression," says psychologist Cheryl McCormick. The mens facial width-to-height ratio "may be a cue used to predict propensity for aggression in others," the research paper says. The findings suggest that subtle differences in face shape may affect the way we judge others personalities � and those we see as more aggressive may be treated differently based on expectations of anger or aggression. Managing those feelings For real anger issues, many people look to anger management to help handle their feelings. While programs vary, experts say no one really knows how much of an impact court-ordered sessions actually have because follow-up is spotty and little data exist about results. "The real problem of referring people for anger management is they dont want to give up their anger," says DiGiuseppe. "They feel justified in their anger. Thats what makes it so hard to treat." Markman says the Internet, in many ways, spurs angry feelings because it anonymously allows people to express their ire with no fear of repercussions. But he says getting upset at a blog entry creates negative feelings and tends to heighten the anger. "We definitely have a lot of anger thats being expressed and not necessarily being expressed in productive ways," he says. Spielberger says the first step in dealing with angry feelings is to recognize them. "The next step is to try to understand the circumstances that have evoked those feelings. Then you need to look at expressing the anger in ways that will deal with the problem instead of ways that can injure other people." The most important thing to understand about anger is "if you have too much of it, you can learn to manage it," Allan says. "You need to prioritize and ask yourself how important it is before you make an issue of something." - Last Post by: zpaperkid on 11/20/2009 @ 1:14 PM

No score Bwr, 600 co bwr:FHA (by: arbs88)

Got a funky 1, imagine that! Anyway, no score on bwr and 600 on co bwr w/ alt trades and verifiable Rent. AFR & FAMT says no, FGMC said no and is now looking again but Im not confident. Purchase at $99k FHA - Last Post by: arbs88 on 11/20/2009 @ 1:12 PM

Obamacare? Im going to puke (by: darkstar)

http://www.forbes.com/2009/11/19/mammogram-guidelines-cancer-business-healthcare-obamacare.html Ill bet it was his idea to name the healthcare after himself..... good... Im sure it will prove to be just as disasterous.... arrogant prikk - Last Post by: darkstar on 11/20/2009 @ 1:11 PM

Colorado Loan (by: liverichly)

I am in need of a broker in Colorado to allow me to run a loan through them. I have a complete file but my regular source is 15 days in underwriting and I dont have that kind of time! Please email OR call Micah at 714-322-1536 Thanks! - Last Post by: liverichly on 11/20/2009 @ 1:09 PM

Im now reading articles about pap smear.... (by: assassin17)

Pushing the age limit back and not recommending yearly testing. Why at this time such a concern regarding womens health? Health care reform maybe? - Last Post by: assassin17 on 11/20/2009 @ 1:04 PM

My Purchases keep going past the closing date (by: eh6794)

It seems like a lot of the purchases I end up doing go past the closing date. Sometimes it is the customer who has delayed getting me documents or it is the real slow turn around time of the underwriters. Everytime this happens everyone seems to go bananas and they call me 35 times a day even though I always tell them I will call as soon as I hear something. Sometimes the realtor will call 30 minutes after her last call and ask if I heard anything. I feel like saying "Yeah I heard something an hour ago, I just didnt tell you!", but I dont say really say that. These people must think we are just sitting on our hands over here. Jeez. The deadline with these purchases makes things stressful sometimes. - Last Post by: eh6794 on 11/20/2009 @ 1:04 PM

Q about Buying Foreclosure with title issues (by: steve_sushner)

My client just bought an REO scheduled to close withint 15 days but its been more than 45 days. just waiting for BAC home loan to clear title-- as title is still under the previous owner ! and for the last 45 days theyre saying that theyre just waiting for the bank to send the deed... has anyone experienced this ? and how long did it take to close ? - Last Post by: steve_sushner on 11/20/2009 @ 1:02 PM

VA (by: dkendall1979)

Can anyone point me in the direction of a lender that will do a VA loan with 580 score? Other than scoring issue, perfect loan. Thanks! - Last Post by: dkendall1979 on 11/20/2009 @ 1:00 PM

STOP Wasting $$ on Cost Per Click Campaigns (by: srusk23)

Thats right. If you are looking to increase your businesses LOCAL exposure online and drive more targeted business through your door, then this is the solution for you. For LESS than $500 a month, we will GUARANTEE that your business shows up on the 1st page of Google, Yahoo, Bing.com and many more AND YOU DONT PAY UNTIL YOU SEE YOURSELF THERE!! Yes, you read that correctly. YOU are not charged until YOU see your business listed where we promised! We are so confident in our ability to help you accomplish your Internet marketing goals, we have simplified our guarantee. We WILL NOT charge you for our Search Engine Ranking service until we get you listed in the search engines organically under the terms or phrases that you want. Thats it... Period. No fee until youre happy! Contact us for details on how to get your account set up for our guarantee. This is a fixed cost solution that EVERY BUSINESS NEEDS! It doesnt matter what industry youre in, if youre looking to target NEW CUSTOMERS within your Geo-graphic region, then is the solution for you!! Get listed locally with Google, Yahoo, BING, Yellowpages and other top search engines with our monthly data feed. We create a profile for you that tells the search engines who you are, where you are located and what you offer. Your results appear based on keywords and phrases typed in by consumers. You can update your business profile once a month in one location and we will make the change in over 180 locations in your local area. Give us a call to start today! Regards, Sebastian Rusk 786-273-7875 direct - Last Post by: srusk23 on 11/20/2009 @ 1:00 PM

1.3 million R/T refi 795 mid FICO (by: dkendall1979)

I need a home for a loan with the above parameters, O/O, 35% LTV, 26/30% DTI, great assets, looking to do a 3/1 or 5/1 I/O ARM. CA loan. - Last Post by: dkendall1979 on 11/20/2009 @ 12:58 PM