Vectors and 3D Models
Local Search - Finance
Weather Information
Get the App for Smartphones and Tablets

Go Back

WhmSoft Free Articles Directory
Free Articles for Reprint
Free Articles to Publish
Free Articles for Newsletters
Videos to Watch

Page Generation Date and Time:
12/09/2019 02:47:57

Free the Animation VR / AR
Play to reveal 3D images and 3D models!
Demonstration A-Frame / Multiplayer
Android app on Google Play
vlrPhone / vlrFilter
Project of very low consumption, radiation and bitrate softphones, with the support of the spatial audio, of the frequency shifts and of the ultrasonic communications / Multifunction Audio Filter with Remote Control!

Alexa Data

Go To Articles Directory Home Page

To get the current article, - See Below (at the bottom of the page) -.
For top news titles, see below.
Web sites and videos listed in this page are frequently updated.
If you find that this page is useful (quality of web sites, images and videos, ...), you can add it to your favorites.
Bookmark Page !

Tell a Friend:

With your mobile phone (WAP / I-Mode / iPhone / PDA), for free:
The Top News -
The Daily Files -
All the Directory Files -

Web version of feeds:
Podcast Music -
Daily Files -

You can play the Guitar Drum Revolution game (flash game) by following the link below:
Play Guitar Drum Revolution Game

You can play free online games (flash games) by following the link below:
Free Online Games

Play the samples below:
00454 Gandy Quest00191 Poolpy Hazard0932 Yeti Sports 2Loft SoucisThe Strangers 2

You can view the people (celebrities) news and the front page news (with videos, images and constant updates) by following the link below:
View Recent News
or by visiting the WhmSoft Service blog:
News Photos Slideshows

Article Keyword Videos to Watch
Click on the image to start the video.

Related Topics
Images - Links - Articles


Related Images

Article Category Videos to Watch
Go to the Videos Pages

What You Must Know About The Lender's Point of View Before You Invest In Real Estate

Although lenders may be friendly -- maybe you want to take your lender out for BBQ -- they are not your friend. This is business, like any other. On borderline issues, a lender may be willing to lean in your favor, and it may well seem like charity. I assure you it is not. Long-term business relationships are solidified through judgment calls of this nature. This is not to say that lenders are in any way immoral, or corrupt. A great deal of American business is reliant upon an individual’s ability to cater attention to specific interests, while remaining firm on those that will drive profits.

For these reasons, it is often a difficult job, to be a lender. Lenders require absolute assurance that each loan will be repaid in full, with reasonable expectation of profit. The first way to do this is to look at each borrower’s credit history. You will need to supply your lender with any previous or outstanding loan information, including the size of the loan, repayment history, and so forth. And credit scores such as FICO will help lenders to determine the likelihood that you will be able to repay your loan.

Nor does it stop there. Your income history will be the subject of scrutiny -- your investments, profit you have made per capita. Income statements and tax returns (generally about three years’ worth) are also fair game, as well as a full account of outstanding debt from any legal judgments gained or issued.

This information will be amassed for one purpose -- to determine whether you have previously shown that you can and will repay your debts promptly and in full. Real estate is a competitive market, because of its potential for high-yield profits. A lender will need to be certain that you can make some, because that will determine whether or not they can.

In addition to credit and income history, a lender will examine the current property with equal care. Generally speaking, banks are concerned much more with cash flow than collateral. For this reason, they’ll usually finance no more than 75% of the appraised value of a property.

Your lender will want to know what type of property you wish to purchase, and how it will be used -- whether you will receive rent from a multi-dwelling apartment complex, or lease income from small business owners. Subtracted from maintenance costs, insurance, repairs, taxes, and a host of other associated costs, this will determine what kind of positive income they can expect. Before signing over a healthy check, lenders must be certain that you can cover these costs, in addition to their interest charges.

Once you have been deemed worthy of a loan, its terms and conditions must be settled. Most lenders strive for short repayment periods. As a borrower, longer terms provide opportunity to avoid new appraisal costs, origination fees and other financing costs. Plus, smaller individual payments will free up some extra cash for quick repairs and cosmetic housework (i.e. paint). Make certain that you are comfortable with the conditions of your loan beforehand.

In short, a lender is a sort of business partner. They may not be your best friend, but neither do they have to be an enemy. Work with them to get the sort of loan that you desire. And keep in mind, everything is negotiable.

About the Author: Paulie Sabol, often called the ‘legal bank robber’ for his real estate financing and bank owned foreclosure investing, is a nationally recognizedreal estate investor trainer and financial thinker. Sabol, has personally completed 100’s of real estate investments, and helps real estate investors learn to make more money with creative investing. Visit his site at

Recommended Web Site(s):

Easy Articles Home Page - Articles Directory

Recommended WhmSoft Web Sites, Feeds and WAP Address:

WhmSoft Software Home Page - Software
WhmSoft Services Login Page - Music and Images
WhmSoft Moblog Home Page - Blog - Photo Gallery
WhmSoft Free Online Games Home Page - Flash Games
WhmSoft Services RSS Feed - Daily Music, Image and 3D Flash Animation
Classical Music with Drum RSS Feed - MIDI and MP3 Files
Classical Music with Drum Podcast Feed - MP3 and MP3 Files
WAP / I-Mode / PDAs - Daily Music, Image and Flash Animation

Home Pages:

WhmSoft Free Articles for Reprint Home Page
WhmSoft Services Home Page - Music and Images
Copyright (C) 2006-2019 WhmSoft - All Rights Reserved.