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:
10/22/2017 04:43:07

 
Free the Animation VR / AR
Play to reveal 3D images and 3D models!
 
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 - http://www.whmsoft.net/services/wap/news.php
The Daily Files - http://www.whmsoft.net/services/wap/get.php
All the Directory Files - http://www.whmsoft.net/services/wap/choose.php

Web version of feeds:
Podcast Music - http://www.whmsoft.net/services/web/wpodcast.php
Daily Files - http://www.whmsoft.net/services/web/wget.php

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:
JardinHalloween PuzzleHotrod PinballKore PuttPuzzle Farter

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
Finance
Click on the image to start the video.



Related Topics
Images - Links - Articles

Montreal


Related Images



Article Category Videos to Watch
Finance
Go to the Videos Pages


Home Finance - 20 Questions For Your Lender

Warning! Home finance has blossomed into an incredibly diverse and complicated industry. This is good and bad. There are at least a hundred ways to borrow the money for your next home now. There are also dozens of ways for lenders to take advantage of you, from hidden charges to prepayment penalties and more.

Let your lender explain all the various home loans and home finance options available. However, when you finally decide on a product you like, ask as many of the following as are relevant to your loan. These are the questions that will protect you.

Home Finance - Questions For The Lender

- What is the interest rate?

- What is the APR (annual percentage rate; includes fees, points and mortgage insurance)?

- What is the initial rate (if it is an ARM - adjustable rate mortgage)?

- What is the highest the rate can go to next year (ARM)?

- What are the annual and lifetime caps on the interest rate and payment (ARM)?

- How often is the rate or payment adjusted, and when (ARM)?

- What index is the rate based on (ARM)?

- What margin is added to the index (ARM - it might be the index plus 3%, for example)?

- Is credit life insurance required (this pays off the loan if you die)?

- How much would the payment be without it?

- Can any of the fees or costs be waived?

- Is there a prepayment penalty?

- How much is the prepayment penalty?

- For how long is the penalty in force?

- Are extra principal payments allowed?

- Is an interest rate lock-in available? (guarantees interest rate for a time)

- Can I have the lock-in in writing?

- Is the rate locked in at time of application or time of approval?

- If rates drop, can I get a lower rate locked-in?

- What inspections and/or surveys are required?

- Is a title search and/or title insurance required, and what is the cost?

- Can I get an estimate of prepaid amounts that I'll have to pay at closing?

- Are there "points," and what will these cost (discount points to reduce interest rate)?

- What state taxes, local taxes, stamp taxes and transfer taxes will I have to pay?

- Will a flood determination be required (to see if the home needs flood insurance)?

- What other costs will there be?

- Is there anything else I should know?

Lenders may not like getting two dozen questions thrown at them, but you have a right to ask before you agree to a loan. Did you know that a 1% higher interest rate on a 0,000 loan can cost you an extra ,000 over the years? Home finance can be as important as a good price when it comes to saving money on your home.


About the Author: Steve Gillman wrote the book: Cheap Homes - How To Save Thousands Buying Your Next House. To learn more about home finance, and to see a photo of the beautiful home he and his wife bought for ,500, visit http://www.YourCheapHome.com




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) 2006-2017 WhmSoft - All Rights Reserved.