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		<title>Cool Lowest Closing Costs images</title>
		<link>http://refinancingtools.com/cool-lowest-closing-costs-images-2/</link>
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		<pubDate>Thu, 17 May 2012 00:03:21 +0000</pubDate>
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				<category><![CDATA[Closing Costs Financing]]></category>
		<category><![CDATA[closing]]></category>
		<category><![CDATA[Cool]]></category>
		<category><![CDATA[costs]]></category>
		<category><![CDATA[images]]></category>
		<category><![CDATA[lowest]]></category>

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		<description><![CDATA[Some cool lowest closing costs images: Hung Far Low ~ “Almond flower fragrance” Image by Rosa Say This is now the site of the new Ping Restaurant. When I first saw it, I did think it looked a bit too good to be true (in such good shape), and so I had to look it [...]]]></description>
			<content:encoded><![CDATA[<p>Some cool lowest closing costs images:</p>
<p><strong>Hung Far Low ~ “Almond flower fragrance”</strong><br />
<img alt="lowest closing costs" src="http://farm4.staticflickr.com/3189/5745488290_090ffd0913.jpg" width="400"/><br/><br />
<i>Image by <a href="http://www.flickr.com/photos/26537801@N05/5745488290">Rosa Say</a></i><br />
This is now the site of the new Ping Restaurant. </p>
<p>When I first saw it, I did think it looked a bit too good to be true (in such good shape), and so I had to look it up, also thinking that ‘Far Low’ was a more Western ‘Farlow’ at first.</p>
<p>Discovered the meaning of Hung Far Low by watching <a href="http://www.youtube.com/watch?v=VD2GSi2gS-A" rel="nofollow">this video</a>, about how Portland citizens rallied to restore the 2000-pound landmark, raising more than ,600 through commemorative t-shirt sales, a website and special events. PDC closed the remaining gap with approximately ,000 in grant funding. The total cost of the project &#8212; which includes removal of the sign, design and restoration work, and its re-attachment to the building, is estimated at ,461. </p>
<p>The Hung Far Low Building was built in 1916 and 1917. The eponymous restaurant was established in 1928 and operated on the second floor until its move to SE 82nd Avenue in 2005. In 2008 building owner Joanne Hong leased part of the building to HFL Project LLC, and the tenants opened Ping Restaurant on the street level in 2009.</p>
<p><strong>Pink Slime Time !! (Tina, the last batch of textured beef) &#8230;item 4..Three &#8216;pink slime&#8217; factories closing after controversy decreases sales (7 May 2012) &#8230;</strong><br />
<img alt="lowest closing costs" src="http://farm6.staticflickr.com/5120/6898528694_6673ae1a59.jpg" width="400"/><br/><br />
<i>Image by <a href="http://www.flickr.com/photos/70815929@N07/6898528694">marsmet471</a></i><br />
The plant in Amarillo, Texas, the plant in Garden City, Kansas, and the one in Waterloo, Iowa will close on May 25. A plant in South Sioux City, Nebraska, will remain open but run at reduced capacity.</p>
<p>The South Dakota-based company blamed the closures on what it said were unfounded attacks over its lean, finely textured beef.</p>
<p>&#8230;&#8230;..*****  All images are copyrighted by their respective authors  &#8230;&#8230;..<br />
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&#8230;..item 1)&#8230;  Mail Online  &#8230; Daily Mail  &#8230;  <a href="http://www.dailymail.co.uk/news" rel="nofollow">www.dailymail.co.uk/news</a>  &#8230;  </p>
<p>&#8216;Pink slime&#8217; company files for bankruptcy amid controversy over the ammonia treated filler </p>
<p>By DAILY MAIL REPORTER<br />
PUBLISHED: 12:09 EST, 2 April 2012 | UPDATED: 12:41 EST, 2 April 2012</p>
<p><a href="http://www.dailymail.co.uk/news/article-2124098/Pink-slime-company-AFA-Foods-files-bankruptcy-backlash-controversial-beef-filler-continues.html" rel="nofollow">www.dailymail.co.uk/news/article-2124098/Pink-slime-compa&#8230;</a></p>
<p>A company that makes ‘pink slime’ products has filed for bankruptcy as the backlash against the controversial beef filler continues.</p>
<p>AFA Foods has announced that it is filing for Chapter 11 bankruptcy protection and selling its assets after the public outcry over the beef substance derailed its efforts to save its already struggling business.</p>
<p>The Pennsylvania-based company processes more than 500 million pounds of ground beef products a year and distribute to retailers including Wal-Mart and Safeways – both supermarkets that no longer sell beef containing ‘pink slime.’<br />
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&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;</p>
<p>img code photo  &#8230;</p>
<p><a href="http://i.dailymail.co.uk/i/pix/2012/04/02/article-0-1264E5E9000005DC-382_468x406.jpg" rel="nofollow">i.dailymail.co.uk/i/pix/2012/04/02/article-0-1264E5E90000&#8230;</a></p>
<p>&#8216;Pink slime&#8217;: AFA Foods, which makes products containing the controversial beef substance known as &#8216;pink slime&#8217;, has filed for bankruptcy</p>
<p>Reuters</p>
<p>&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;<br />
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<p>AFA Foods, which also sells products under the brand names Moran&#8217;s, Stone River Ranch and Miller Quality Meats, provide beef to customers including Burger King, Wendy&#8217;s and Jack in the Box. </p>
<p>More&#8230;</p>
<p>&#8230;Junk food is not just bad for your waistline&#8230; it can give you the blues too<br />
&#8230;Snakes on a train! PETA plans to drape fake animals on public transport in campaign against wearing skins</p>
<p>The bankruptcy comes a week after Beef Products Inc, another company which sells ‘pink slime’, announced they were suspending operations at three of four plants where the beef ingredient is made.</p>
<p>Beef Products Inc. have stopped operations at its plants in Texas, Kansas, and Iowa &#8211; a move that will affect 650 jobs.</p>
<p>The company&#8217;s South Dakota headquarters will continue operations. </p>
<p>Last week the governors of three states toured a Beef Products’ plant to demonstrate their support of the product.<br />
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&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;.</p>
<p>img code photo  &#8230;  </p>
<p><a href="http://i.dailymail.co.uk/i/pix/2012/04/02/article-0-1264EAF0000005DC-568_468x286.jpg" rel="nofollow">i.dailymail.co.uk/i/pix/2012/04/02/article-0-1264EAF00000&#8230;</a></p>
<p>Backlash: AFA Foods processes more than 500 million pounds of beef products a year and counts Burger King and Wendy&#8217;s among its customers</p>
<p>Reuters</p>
<p>&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;.<br />
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<p>Former GOP candidate Rick Perry was pictured chomping down on a burger made with the chemically-treated left-over bits of meat during the tour with Kansas Governor Sam Brownback and Iowa&#8217;s Terry Branstad.</p>
<p>Federal regulators say the ammonia-treated filler, known in the industry as &#8216;lean, finely textured beef,&#8217; meets food safety standards.</p>
<p>But critics say the product could be unsafe and is an unappetizing example of industrialized food production.<br />
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<p>img code photo  &#8230;  Texas Governor  Rick Perry</p>
<p><a href="http://i.dailymail.co.uk/i/pix/2012/04/02/article-0-1264CA55000005DC-144_233x405.jpg" rel="nofollow">i.dailymail.co.uk/i/pix/2012/04/02/article-0-1264CA550000&#8230;</a></p>
<p>Support: Last week Texas Gov. Rick Perry showed his support for Beef Products Inc by tucking into a &#8216;pink slime&#8217; burger during a tour of one of their plants</p>
<p>AP</p>
<p>&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;.<br />
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<p>The low-cost ingredient is made from fatty bits of meat left over from other cuts. The bits are heated and spun to remove most of the fat. The lean mix then is compressed into blocks for use in ground meat.</p>
<p>The product is exposed to ammonium hydroxide gas to kill bacteria, such as E. coli and salmonella.</p>
<p>The product has been used for years, but it wasn&#8217;t until earlier this month that social media suddenly exploded with worry and an online petition seeking it to be ousted from schools garnered hundreds of thousands of supporters.</p>
<p>The U.S. Department of Agriculture decided to allow school districts to stop using it and some retail chains have pulled products containing it from their shelves.</p>
<p>In the affidavit filed as part of AFA Foods’ bankruptcy, interim CEO Ron Allen said the company&#8217;s profits have suffered because of decreasing retail demand, costly customer demands for product testing and growing competition from different types of meat.</p>
<p>AFA Foods had had been pursuing a turnaround strategy to increase sales to retail customers, but Allen said that the &#8216;unfounded public outcry&#8217; over the use pink slime, known in the industry as lean, finely textured beef strained those efforts.</p>
<p>AFA Foods said it secured  million in financing from its lenders to fund operations and expects to continue serving customers throughout the process.<br />
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&#8230;..item 2)&#8230;  Florida Today  &#8230;  <a href="http://www.floridatoday.com" rel="nofollow">www.floridatoday.com</a>  &#8230;  Jeff Parker: Cartoon Caption Contest 4/3</p>
<p>4:56 PM, Apr. 2, 2012 </p>
<p><a href="http://www.floridatoday.com/proart/20120403/columnists0204/120402028/jeff-parker-cartoon-caption-contest-4-3?odyssey=mod" rel="nofollow">www.floridatoday.com/proart/20120403/columnists0204/12040&#8230;</a>|newswell|text|home|p&amp;pagerestricted=1</p>
<p>April 3, 2012 / Jeff Parker, FLORIDA TODAY<br />
FILED UNDER<br />
Columnists<br />
Jeff Parker Cartoons</p>
<p>Pink slime time&#8230; Come up with a snarky caption for this cartoon, email it to us, and we&#8217;ll sort the best and funniest punchlines from the rest. Then, on the following Monday, we&#8217;ll post the winner&#8217;s name and caption along with two runners-up here at JPTI as well as in the print edition of FLORIDA TODAY.</p>
<p>Since you&#8217;ll be writing for a cartoon, we&#8217;ve added the professional feel by setting a deadline for you &#8212; please e-mail your entries to us by 4pm Thursday.</p>
<p>In your e-mail message, be sure to include your name and where you live. E-mail: jparker@floridatoday.com</p>
<p>Challenge your office co-workers, friends and families.</p>
<p>Captions submitted as comments will be disqualified.</p>
<p>A few guidelines:</p>
<p>-Please keep your captions clean and libelous-free. Remember, we&#8217;re a family newspaper.<br />
-Keep it brief. I know it&#8217;s difficult, but bear in mind the funniest cartoons depend on brevity for maximum effect. And since these are editorial cartoons, don&#8217;t spare the vinegar.<br />
-Be original. Don&#8217;t go for an obvious gag line that 20 other people will come up with.</p>
<p>Most of all, have fun!<br />
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&#8230;..item 3A)&#8230;.  Plot Summary for Soylent Green (1973)</p>
<p>A tale of Earth in despair in 2022. Natural food like fruits, vegetables, and meat among others are now extinct. Earth is overpopulated and New York City has 40 million starving, poverty stricken people. The only way they survive is with water rations and eating a mysterious food called Soylent. A detective investigates the murder of the president of the Soylent company. The truth he uncovers is more disturbing than the Earth in turmoil when he learns the secret ingredient of Soylent Green. Written by Mystic80</p>
<p>MOVIE INFO</p>
<p>Richard Fleischer directed this nightmarish science fiction vision of an over-populated world, based on the novel by Harry Harrison. In 2022, New York City is a town bursting at the seams with a 40-million-plus population. Food is in short supply, and most of the population&#8217;s food source comes from synthetics manufactured in local factories &#8212; the dinner selections being a choice between Soylent Red, Soylent Yellow, or Soylent Green. When William Simonson (Joseph Cotten), an upper-echelon executive in the Soylent Company, is found murdered, police detective Thorn (Charlton Heston) is sent in to investigate the case. Helping him out researching the case is Thorn&#8217;s old friend Sol Roth (Edward G. Robinson, in his final film role). As they investigate the environs of a succession of mad-from-hunger New Yorkers and the luxuriously rich digs of the lucky few, Thorn uncovers the terrible truth about the real ingredients of Soylent Green. ~ Paul Brenner, Rovi</p>
<p>In Theaters: May 9, 1973 Wide<br />
On DVD: Aug 5, 2003</p>
<p>PG, 1 hr. 35 min.<br />
Drama, Mystery &amp; Suspense, Classics, Science Fiction &amp; Fantasy<br />
Directed By: Richard Fleischer<br />
Written By: Harry Harrison, Stanley R. Greenberg<br />
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&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;.<br />
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&#8230;..item 3B)&#8230;.  youtube video  &#8230;  Soylent Green trailer  &#8230;  3:26 minutes</p>
<p><a href="http://www.youtube.com/watch?v=SVpN312hYgU" rel="nofollow">www.youtube.com/watch?v=SVpN312hYgU</a></p>
<p>Uploaded by transfofa on Aug 20, 2006</p>
<p>one of the bests sci-fi movies</p>
<p>Category:<br />
Entertainment</p>
<p>Tags:<br />
soylent green trailer science fiction sci-fi movies charlton heston</p>
<p>License:<br />
Standard YouTube License<br />
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&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;..<br />
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&#8230;..item 3C)&#8230;.  youtube video  &#8230;  Soylent Green Euthanasia Scene/Ending (favorite scene)  &#8230;  6:30 minutes..</p>
<p><a href="http://www.youtube.com/watch?v=WYTIgcMRdbU" rel="nofollow">www.youtube.com/watch?v=WYTIgcMRdbU</a></p>
<p>Uploaded by omjeremy on Nov 22, 2010</p>
<p>My Favorite Scene from Soylent Green</p>
<p>Category:<br />
Entertainment</p>
<p>Tags:<br />
Soylent Green Ending<br />
License:<br />
Standard YouTube License<br />
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&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;&#8230;.<br />
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&#8230;..item 4)&#8230;  Mail Online  &#8230;  Daily Mail  &#8230;  <a href="http://www.dailymail.co.uk/news/" rel="nofollow">www.dailymail.co.uk/news/</a>  &#8230;  Three &#8216;pink slime&#8217; factories closing after controversy decreases sales</p>
<p>By DAILY MAIL REPORTER and ASSOCIATED PRESS<br />
PUBLISHED: 21:27 EST, 7 May 2012 | UPDATED: 22:41 EST, 7 May 2012</p>
<p><a href="http://www.dailymail.co.uk/news/article-2141064/Three-pink-slime-factories-closing-controversy-decreases-sales.html" rel="nofollow">www.dailymail.co.uk/news/article-2141064/Three-pink-slime&#8230;</a></p>
<p>Three of the controversial factories that produced the so-called ‘pink slime’ that disgusted the nation will close later this month.</p>
<p>Roughly 650 jobs will be lost when the plants in Texas, Kansas and Iowa are closed by parent company Beef Products Inc. in light of poor sales.</p>
<p>The plant in Amarillo, Texas, the plant in Garden City, Kansas, and the one in Waterloo, Iowa will close on May 25. A plant in South Sioux City, Nebraska, will remain open but run at reduced capacity.</p>
<p>The South Dakota-based company blamed the closures on what it said were unfounded attacks over its lean, finely textured beef.</p>
<p>During its processing, bits of beef are heated and treated with a small amount of ammonia to kill bacteria. The filler has been used for years and meets federal food safety standards.</p>
<p>But the company suspended operations at the three plants in March amid public uproar over the filler.</p>
<p>BPI has declined to discuss financial details, but has said it took a &#8216;substantial&#8217; hit after social media exploded with worry over the product and an online petition seeking its ouster from schools drew hundreds of thousands of supporters.</p>
<p>More&#8230;</p>
<p>&#8230;America&#8217;s ever expanding waistline: 42 per cent of population obese by 2030 (and it is costing billions)<br />
&#8230;Vodka company cashes in on violence with bottle mapping San Diego&#8217;s notorious gangs</p>
<p>The U.S. Department of Agriculture has decided that school districts may stop using it, and some retail chains have pulled products containing it from their shelves.</p>
<p>Company officials had hoped to recover but have since realized that doing so wasn&#8217;t possible in the near future.</p>
<p>&#8216;We will continue communicating the benefits of BPI&#8217;s lean beef, but that process is much more difficult than (countering) the campaign to spread misinformation that brought us to this point,&#8217; company spokesman Rich Jochum said in a statement.</p>
<p>State executives who have supported the company blamed what they considered a smear campaign against the product, which has drawn scrutiny even though they and industry officials insist that it&#8217;s safe.</p>
<p>&#8216;This is a sad day for the state of Iowa,&#8217; said Iowa Governor Terry Branstad.</p>
<p>&#8216;The fact that a false, misleading smear campaign can destroy a company&#8217;s reputation overnight should disturb us all.&#8217;</p>
<p>The Republican governor said the workers will &#8216;go home to their families and will soon be without a job, all because some media on the coasts decided to unfairly and viciously smear the product they so proudly produced.&#8217;</p>
<p>The phrase &#8216;pink slime,&#8217; coined by a federal microbiologist, has appeared in the media at least since a critical 2009 New York Times report.</p>
<p>Celebrity chef Jamie Oliver has railed against it, and it made headlines after McDonald&#8217;s and other major chains discontinued their use last year.</p>
<p>But a recent piece by The Daily on the USDA&#8217;s purchase of meat that included &#8216;pink slime&#8217; for school lunches touched a nerve with a Texas blogger who focuses on kids&#8217; food.</p>
<p>She started an online petition asking U.S. Agriculture Secretary Tom Vilsack to halt its use in school food, and the USDA will give schools the option of choosing ground beef that doesn&#8217;t contain it starting in the fall.</p>
<p>Nebraska Governor Dave Heineman called the plant closings &#8216;unfortunate and needless,&#8217; and said the product BPI produced is safe for consumption.</p>
<p>&#8216;BPI is a good family-owned business, and we will continue to work with them in an effort to continue to promote their safe and healthy beef,&#8217; Mr Heineman said.</p>
<p>Several politicians who toured one of the plants in March – including Mr Branstad, Texas governor Rick Perry, Kansas governor Sam Brownback, Nebraska lieutenant governor Rick Sheehy and South Dakota lieutenant  governor Matt Michels- all agreed with the industry view that the beef has been unfairly maligned and mislabelled.</p>
<p>The public backlash against the product offers an important lesson to other food makers in the social-media age, said Marion Nestle, a nutrition and food-studies professor at New York University.</p>
<p>She noted that past food controversies, such as criticism of trans fats, took years to surface as major public issues, whereas social media enabled the campaign against &#8216;pink slime&#8217; to quickly attract widespread public attention.</p>
<p>Ms Nestle also said BPI misinterpreted the public concern as a food-safety issue, instead of recognizing that critics were focused on not knowing what was added to their food and the belief that they were deceived.</p>
<p>&#8216;It&#8217;s always sad when people are put out of work,&#8217; Ms Nestle said.</p>
<p>&#8216;But this company, they could have handled the whole situation differently. &#8230; They were faced with a public relations disaster of really astonishing proportions.&#8217;<br />
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		<title>Beware of &#8220;No Closing Costs&#8221; Mortgages</title>
		<link>http://refinancingtools.com/beware-of-no-closing-costs-mortgages/</link>
		<comments>http://refinancingtools.com/beware-of-no-closing-costs-mortgages/#comments</comments>
		<pubDate>Wed, 16 May 2012 00:04:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Closing Costs Financing]]></category>
		<category><![CDATA[Beware]]></category>
		<category><![CDATA[closing]]></category>
		<category><![CDATA[costs]]></category>
		<category><![CDATA[Mortgages]]></category>

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		<description><![CDATA[Video highlights a the dirtly little secrets in the mortgage industry about how a &#8220;no closing costs&#8221; loan can cost you thousands of dollars. Be sure to visit: www.MortgageInsiderSecrets2008.com for our free report and complete details on how you can save thousands on your next mortgage or refinance. Video Rating: 0 / 5]]></description>
			<content:encoded><![CDATA[<p>				<object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/sN4K0cPLnCw?fs=1"></param><param name="allowFullScreen" value="true"></param>
				<embed src="http://www.youtube.com/v/sN4K0cPLnCw?fs=1&#038;rel=0" type="application/x-shockwave-flash" width="425" height="355" allowfullscreen="true"></embed></object></p>
<p>Video highlights a the dirtly little secrets in the mortgage industry about how a &#8220;no closing costs&#8221; loan can cost you thousands of dollars. Be sure to visit: www.MortgageInsiderSecrets2008.com for our free report and complete details on how you can save thousands on your next mortgage or refinance.<br />
<strong>Video Rating: 0 / 5</strong></p>
]]></content:encoded>
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		<title>Get a mortgage after bankruptcy</title>
		<link>http://refinancingtools.com/get-a-mortgage-after-bankruptcy/</link>
		<comments>http://refinancingtools.com/get-a-mortgage-after-bankruptcy/#comments</comments>
		<pubDate>Wed, 16 May 2012 00:04:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgage Refinance]]></category>
		<category><![CDATA[After]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[mortgage]]></category>

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		<description><![CDATA[www.bankruptcyhomeloan.com You can get a mortgage after bankruptcy. You just need to know where to go and who to deal with. There are some secrets to being diligent and actually getting your home refinanced or purchasing a new home after being discharged. Video Rating: 0 / 5]]></description>
			<content:encoded><![CDATA[<p>				<object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/ZPqhQGJCIXU?fs=1"></param><param name="allowFullScreen" value="true"></param>
				<embed src="http://www.youtube.com/v/ZPqhQGJCIXU?fs=1&#038;rel=0" type="application/x-shockwave-flash" width="425" height="355" allowfullscreen="true"></embed></object></p>
<p>www.bankruptcyhomeloan.com You can get a mortgage after bankruptcy. You just need to know where to go and who to deal with. There are some secrets to being diligent and actually getting your home refinanced or purchasing a new home after being discharged.<br />
<strong>Video Rating: 0 / 5</strong></p>
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		<title>How to Save My Home: Home Loan Modification Guide</title>
		<link>http://refinancingtools.com/how-to-save-my-home-home-loan-modification-guide/</link>
		<comments>http://refinancingtools.com/how-to-save-my-home-home-loan-modification-guide/#comments</comments>
		<pubDate>Mon, 07 May 2012 00:05:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgage Refinance]]></category>
		<category><![CDATA[Guide]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Modification]]></category>
		<category><![CDATA[SAVE]]></category>

		<guid isPermaLink="false">http://refinancingtools.com/how-to-save-my-home-home-loan-modification-guide/</guid>
		<description><![CDATA[How to Save My Home: Home Loan Modification Guide WARNING! Do not attempt to contact your lender about a loan modification until you are fully educated about the process. The lender is a debt collector-you need to know how to present your application to the lender so they will APPROVE your modification application the first [...]]]></description>
			<content:encoded><![CDATA[<h3><a href="http://www.amazon.com/How-Save-Home-Modification-ebook/dp/B006R9ELXK%3FSubscriptionId%3DAKIAJWYTHQ2ILCSRLWZA%26tag%3Dgadgetlounge-20%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3DB006R9ELXK" rel="nofollow">How to Save My Home: Home Loan Modification Guide</a></h3>
<p><a href="http://www.amazon.com/How-Save-Home-Modification-ebook/dp/B006R9ELXK%3FSubscriptionId%3DAKIAJWYTHQ2ILCSRLWZA%26tag%3Dgadgetlounge-20%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3DB006R9ELXK" rel="nofollow"><img style="float:left;margin: 0 20px 10px 0;" src="http://ecx.images-amazon.com/images/I/51PRLx7rXJL._SL160_.jpg" /></a></p>
<p>WARNING! Do not attempt to contact your lender about a loan modification until you are fully educated about the process. The lender is a debt collector-you need to know how to present your application to the lender so they will APPROVE your modification application the first time.</p>
<p>Our complete loan modification guide gives you step by step instructions on saving your home:<br />- Do you qualify for a loan modification?<br />- Which modification option is best for you?<br />- Insider T</p>
<p><div style="float:right;"><a href="http://www.amazon.com/How-Save-Home-Modification-ebook/dp/B006R9ELXK%3FSubscriptionId%3DAKIAJWYTHQ2ILCSRLWZA%26tag%3Dgadgetlounge-20%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3DB006R9ELXK" rel="nofollow"><img src="http://refinancingtools.com/wp-content/plugins/WPRobot3/images/buynow-big.gif" /></a></div>
<p><strong>Price: </strong>
</p>
<iframe style="margin-top: 10px;" src="http://www.amazon.com/reviews/iframe?akid=AKIAJWYTHQ2ILCSRLWZA&alinkCode=xm2&asin=B006R9ELXK&atag=gadgetlounge-20&exp=2012-05-22T12%3A39%3A02Z&summary=0&truncate=5000&v=2&sig=OF4xpi5fXB7J%2FEWeOOtX7ICY1mBS%2FTj%2BYyl%2B1QNUL7c%3D" width="100%" height="450px"><p>Your browser does not support iframes.</p></iframe>
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		<title>interlibrary loan</title>
		<link>http://refinancingtools.com/interlibrary-loan/</link>
		<comments>http://refinancingtools.com/interlibrary-loan/#comments</comments>
		<pubDate>Thu, 26 Apr 2012 00:02:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Closing Costs Financing]]></category>
		<category><![CDATA[interlibrary]]></category>
		<category><![CDATA[Loan]]></category>

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		<description><![CDATA[A few nice closing costs loans images I found: interlibrary loan Image by knitting iris Our house is on the smaller side (+/- 1200 square feet). Our local library is smaller yet. Currently our family has 35 books checked out (almost all of which were borrowed through interlibrary loan from all over the state), 2 [...]]]></description>
			<content:encoded><![CDATA[<p>A few nice closing costs loans images I found:</p>
<p><strong>interlibrary loan</strong><br />
<img alt="closing costs loans" src="http://farm8.staticflickr.com/7068/6841804324_c4c5727f1b.jpg" width="400"/><br/><br />
<i>Image by <a href="http://www.flickr.com/photos/87255087@N00/6841804324">knitting iris</a></i><br />
Our house is on the smaller side (+/- 1200 square feet).  Our local library is smaller yet. </p>
<p>Currently our family has 35 books checked out (almost all of which were borrowed through interlibrary loan from all over the state), 2 more available for pick up, and 5 more outstanding holds.  And that&#8217;s just through our county library here in town: we&#8217;ve a dozen more checked out directly from a library in the next county over.</p>
<p>Now, it was only recently that I became aware that folks in the community &#8211; including our county commissioner and another homeschooling mom &#8211; were taking a direct part in the transferring of books to and from libraries in the area when they were already going to be in the vicinity of those other libraries anyways.</p>
<p>So, the other day when I was going to be driving to the county seat where the next closest library is &#8211; nearly 2 hours away from our house- I popped into the library to see if there were any books that needed transferring.  As it turned out there were: 2 crates going that way, and 4 on the return trip. </p>
<p>Such a easy thing to do, and that saves great cost to our libraries.  It&#8217;s the least I can do in return for their services, of which we take great advantage and from which we benefit so much.</p>
<p>Besides, the winds were so strong that day I was grateful for the added weight keeping the car on the road!
 </p>
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		<title>Cool Financing Closing Costs images</title>
		<link>http://refinancingtools.com/cool-financing-closing-costs-images-2/</link>
		<comments>http://refinancingtools.com/cool-financing-closing-costs-images-2/#comments</comments>
		<pubDate>Thu, 19 Apr 2012 00:04:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Closing Costs Financing]]></category>
		<category><![CDATA[closing]]></category>
		<category><![CDATA[Cool]]></category>
		<category><![CDATA[costs]]></category>
		<category><![CDATA[financing]]></category>
		<category><![CDATA[images]]></category>

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		<description><![CDATA[Check out these financing closing costs images: OBAMACARE WATCH: MORE DARKNESS THAN LIGHT AND OF COURSE TAXES AND PENALTYS Image by SS&#038;SS There are 1,018 pages of the Health Care Reform Bill and it really has some frightening provisions in it. I never thought I would see euthanasia addressed in print, but it’s here, Please [...]]]></description>
			<content:encoded><![CDATA[<p>Check out these financing closing costs images:</p>
<p><strong>OBAMACARE WATCH: MORE DARKNESS THAN LIGHT AND OF COURSE TAXES AND PENALTYS</strong><br />
<img alt="financing closing costs" src="http://farm6.staticflickr.com/5180/5448804294_72acdaa98e.jpg" width="400"/><br/><br />
<i>Image by <a href="http://www.flickr.com/photos/42107447@N00/5448804294">SS&#038;SS</a></i><br />
There are 1,018 pages of the  Health Care Reform Bill and it really has some frightening provisions in it. I never thought I would see euthanasia addressed in print, but it’s here, Please be read the following highlights:</p>
<p>I have highlighted some very troubling and downright scary provisions written into this Health Care Reform Bill. What we hear on the television via our President is just a few conditions that may sound reasonable or even good on the surface, but buried within these 1,018 pages are dark secrets everyone needs to know.</p>
<p>On Page 30 Sec 123 of HC bill &#8211; THERE WILL BE A GOVERNMENT COMMITTEE that decides what treatments/benefits you get!</p>
<p>Continue reading, the following excerpts, they contain far more information on what kind of care you may or may not get!</p>
<p>PG 85 Line 7 HC Bill &#8211; Specifics for and of Benefit Levels for Plans = The Government will ration your Health-care!</p>
<p>PG 85 Line 7 HC Bill &#8211; Specifics of Benefit Levels 4 Plans. #AARP members &#8211; Your Health care WILL be rationed.</p>
<p>PG 272 SEC. 1145. TREATMENT OF CERTAIN CANCERS/ HOSPITALS &#8211; Cancer patients &#8211; welcome to rationing! Only the mildest cases will receive treatment! Those with the highest survival rates!</p>
<p>Page 280 Sec 1151 The Govt will penalize hospitals for what the Government deems preventable re admissions. This means you will not be admitted when you should!</p>
<p>Pg 298 Lines 9-11 Doctors if you treat a patient during initial admission to a Hospital that results in a readmission- The Government will penalize you. This means patients will not be admitted when they should!</p>
<p>Pg335 L 16-25 Pg 336-339 &#8211; Government mandates the establishment of outcome based measures. HC the way they want! Rationing on the basis of how sick you are! If you have Cancer and MIGHT die in 6 months with or without treatment, do you really think they are going to spend money and resources on the chance that you MIGHT live?</p>
<p>Pg 354 Sec 1177 &#8211; Government will RESTRICT enrollment of Special needs people! Can you say no health-care for the the Disabled! </p>
<p>PG 425 Lines 22-25, 426 Lines 1-3 Government will provide you with an approved list of end of life resources, guiding you in death! Can you say Euthanasia! They will not help you to live, but they will be kind enough to help you to die!</p>
<p>PG 427 Lines 15-24 Government mandates a program for the orders for the end of life. The Government has a say in how our life ends! An order can be made to withhold life sustaining care from us!</p>
<p>Pg 429 Lines 1-9 An &quot;advanced care planning consultation&quot; will be used frequently as a patients health deteriorates! This sounds like a bully tactic to make sure Euthanasia is used!</p>
<p>PG 429 Lines 10-12 &quot;advanced care consultation&quot; may include an ORDER for end of life plans. AN ORDER from the GOVERNMENT!</p>
<p>Pg 429 Lines 13-25 &#8211; The government will specify which Doctors can write an end of life order. They can decide for you!</p>
<p>PG 430 Lines 11-15 The Government will decide what level of treatment you will have at the end of your life! I do not know about you, but I would like to decide for myself what treatment I want at the end of my life!</p>
<p>Now a few other provisions that need to be pointed out!</p>
<p>PG 50 Section 152 in HC bill &#8211; HC will be provided to ALL non US citizens, illegal or otherwise! But wait, not to our Special Needs people? How in God&#8217;s name is this happening?</p>
<p>Pg 58HC Bill &#8211; Government will have real-time access to individuals finances &amp; a National ID Health card will be issued! Fantastic now the government really controls our money! HMMM, National ID Health card&#8212;Mark of the beast?????? Ok that might be far fetched, but how far?</p>
<p>Pg 59 HC Bill lines 21-24 Government will have direct access to your banks accounts for electronic funds transfers. Just what I want! They can take what they want, when they want!</p>
<p>PG 65 Sec 164 is a payoff subsidized plan for retirees and their families in Unions &amp; community organizations (ACORN).</p>
<p>Pg 72 Lines 8-14 Government is creating an HC Exchange to bring private HC plans under Government control. Why not, they are screwing up everything else!</p>
<p>PG 84 Sec 203 HC bill &#8211; Government mandates ALL benefit packages for private HC plans be in the Exchange. The Government controlling the Private Sector!</p>
<p>PG 91 Lines 4-7 HC Bill &#8211; Government mandates linguistic appropriate services. Example &#8211; Translation for illegal aliens! But there is no money in the plan for life sustaining treatment for my stage 4 Lymphatic Cancer stricken Uncle! Only Euthanasia for him!</p>
<p>-PG 102 Lines 12-18 HC Bill &#8211; Medicaid Eligible Individuals will be automatically enrolled in Medicaid. No choice!</p>
<p>pg 124 lines 24-25 HC No company can sue the GOVERNMENT on price fixing. No &quot;judicial review&quot; against Govt Monopoly! Too much power and no way to fight it!</p>
<p>pg 127 Lines 1-16 HC Bill &#8211; Doctors/ #AMA &#8211; The Government will tell YOU what you as a Doctor can make!</p>
<p>Pg 145 Line 15-17 An Employer MUST auto enroll employees into public opt plan. NO CHOICE! What happened to being able to keep your private insurance!!!!!!!</p>
<p>Pg 126 Lines 22-25 Employers MUST pay for HC for part time employees AND their families. Health-care is needed for everyone this is true, but there are some small businesses that are barely making it now, If they are forced to pay for employee and family insurance it will force business closures. I have a friend who owns one of these businesses and he would love to help out his employees by offering health-care but he just can&#8217;t do it! </p>
<p>Pg 149 Lines 16-24 ANY Employer with payroll 400k &amp; above who does not provide pub opt. pays 8% tax on all payroll.</p>
<p>pg 150 Lines 9-13 Any business with payroll between 251k &amp; 400k who doesn&#8217;t provide pub. opt pays 2-6% tax on all payroll.</p>
<p>Pg 167 Lines 18-23 ANY individual who doesn&#8217;t have acceptable HC according to the Government will be taxed 2.5% of their income.</p>
<p>Pg 170 Lines 1-3 HC Bill Any NONRESIDENT Alien is exempt from individual taxes. (Americans will pay)! I would like someone to explain why we always have to pay for them!</p>
<p>Pg 195 HC Bill -Officers &amp; employees of HC Admin (GOVERNMENT) will have access to ALL Americans financial/personal records! INVASION OF OUR PRIVACY!</p>
<p>There is so much more to read, I can only scratch the surface of this repugnant Health-Care Scam! It is total government take over of our lives. The will literally have in their hands the decision of whether we live or die. President Obama has committed a reprehensible act by signing this so called Health-Care Bill. This is not Health-Care Reform, it is the destruction of the private sector and human life.</p>
<p>====================================================================<br />
OH AND DID I MENTION TAXES&#8230;&#8230;&#8230;AND PENALTY&#8217;S</p>
<p>There has never been any rhyme or reason to this administration other than redistribution of wealth, socialism and inserting cradle-to-grave control. Using Health care as an excuse for seizing control of accounts and businesses is just one strategy. Obama has also planned all along to use the ‘environment’ i.e. Cap and Trade to take even more. This will do more than take. It will flatten American business and destroy our sick economy. Who cares what the American people think and what the constitution says! We are just in the way…..take, take, take.</p>
<p>I was forwarded this latest tax scheme by Van Hipp, President of American Defense International and the former Deputy Secretary of the Army under Bush senior and Ronald Reagan. He recommended the well known accountant and expert witness on tax matters, Paul Guppy who wrote a commentary on the various hidden taxes in the Spokesman Review paper, “Health Law’s Heavy impact.” </p>
<p>Starting in 2013, not only will you pay the closing costs and real estate fee when you sell your house but now you will pay a 3.8% Sales Tax. So, if you sell your home for 0,000, perhaps wanting to down size if you are a senior you will pay ,200 in Tax. </p>
<p>Here we have another assault on our seniors again. Many downsize their homes as retirement comes closer, so along with long lines and rationed care that is substandard, seniors and anyone will have to pay more tax on the home they just sold.</p>
<p>Penalties for individuals: We will pay 2.5% of our annual income as a fine/penalty if we don’t purchase the government approved health care plan. </p>
<p>Penalties on families: Parents will pay a yearly 7 per kid if they don’t purchase a government approved health care plan.</p>
<p>Penalties on employers: If you are a business with 50 or more employers you will get fined at least ,000 per employee if you don’t provide, once again the ‘government approved health care plan.</p>
<p>Other special taxes and fees:</p>
<p>Investment income: Anyone making 0,000 or over gets to pay 3.8% of their annual investment income. Start adding up them apples, folks.</p>
<p>If you have a fancy health care plan and pay as an individual, ,200 or ,800 for a family, you get to pay a 40% annual tax on those health care plans.</p>
<p>Medical aid devices have gotten hit hard as well. They will see a 2.9% tax hike. Sorry if you have an artificial limb….you are screwed.</p>
<p>Medicare gets more money because if you earn 0,000 or more you pay a special Medicare tax of 3.9.%</p>
<p>Then there is the 10% tax on tanning….on and on. Perhaps you should consider an ‘Albino’ beauty treatment.</p>
<p>This Health care bill is nothing but an orgy of controls, tax schemes and rationed care. Now add Real Estate tax to the ridiculous list.</p>
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		<title>Mortgage Secrets: 6 Steps To The Lowest Rate and Closing Costs&#8230;Guaranteed</title>
		<link>http://refinancingtools.com/mortgage-secrets-6-steps-to-the-lowest-rate-and-closing-costs-guaranteed/</link>
		<comments>http://refinancingtools.com/mortgage-secrets-6-steps-to-the-lowest-rate-and-closing-costs-guaranteed/#comments</comments>
		<pubDate>Thu, 19 Apr 2012 00:04:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Closing Costs Financing]]></category>
		<category><![CDATA[closing]]></category>
		<category><![CDATA[Costs...Guaranteed]]></category>
		<category><![CDATA[lowest]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Rate]]></category>
		<category><![CDATA[Secrets]]></category>
		<category><![CDATA[steps]]></category>

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		<description><![CDATA[Mortgage Secrets: 6 Steps To The Lowest Rate and Closing Costs&#8230;Guaranteed Walt Vieira a 12 year mortgage veteran and responsible for over 0 million in loan volume takes you inside and reveals to you the secrets so many loan officers don&#8217;t want you to know. He will show you a very simple and easy to [...]]]></description>
			<content:encoded><![CDATA[<h3><a href="http://www.amazon.com/Mortgage-Secrets-Lowest-Closing-Costs-Guaranteed/dp/1425164374%3FSubscriptionId%3DAKIAJWYTHQ2ILCSRLWZA%26tag%3Dgadgetlounge-20%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3D1425164374" rel="nofollow">Mortgage Secrets: 6 Steps To The Lowest Rate and Closing Costs&#8230;Guaranteed</a></h3>
<p><a href="http://www.amazon.com/Mortgage-Secrets-Lowest-Closing-Costs-Guaranteed/dp/1425164374%3FSubscriptionId%3DAKIAJWYTHQ2ILCSRLWZA%26tag%3Dgadgetlounge-20%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3D1425164374" rel="nofollow"><img style="float:left;margin: 0 20px 10px 0;" src="http://ecx.images-amazon.com/images/I/516hVf0tQ9L._SL160_.jpg" /></a></p>
<p>Walt Vieira a 12 year mortgage veteran and              responsible for over 0 million in loan volume takes you inside and reveals to you the              secrets so many loan officers don&#8217;t want you to know. He will show you a very simple and              easy to understand method just how you can have the upper hand every time. This system              will save you tens of thousands in interest and needless closing costs. This simple 6              step system will work whether you are loo</p>
<p><div style="float:right;"><a href="http://www.amazon.com/Mortgage-Secrets-Lowest-Closing-Costs-Guaranteed/dp/1425164374%3FSubscriptionId%3DAKIAJWYTHQ2ILCSRLWZA%26tag%3Dgadgetlounge-20%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3D1425164374" rel="nofollow"><img src="http://refinancingtools.com/wp-content/plugins/WPRobot3/images/buynow-big.gif" /></a></div>
<p>List Price: $  19.95</p>
<p><strong>Price: </strong>
</p>
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		<title>No closing cost refinance available!</title>
		<link>http://refinancingtools.com/no-closing-cost-refinance-available/</link>
		<comments>http://refinancingtools.com/no-closing-cost-refinance-available/#comments</comments>
		<pubDate>Sat, 07 Apr 2012 00:04:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Closing Costs Financing]]></category>
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		<description><![CDATA[Interest rates have hit an annual low this week! Give us a call to knock 3 years off you loan for the cost of an appraisal! 5 for an appraisal saves you over 000 over the life of the loan! Video Rating: 0 / 5 It&#8217;s gorgeous outside. My oldest daughter Gabrielle is now a [...]]]></description>
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<p>Interest rates have hit an annual low this week! Give us a call to knock 3 years off you loan for the cost of an appraisal! 5 for an appraisal saves you over 000 over the life of the loan!<br />
<strong>Video Rating: 0 / 5</strong></p>
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<p>It&#8217;s gorgeous outside. My oldest daughter Gabrielle is now a kindergartener and LOVES IT. And I am hosting a No Cost Refi Extravaganza. Yep &#8211; throwing out a special limited offer to existing clients and new prospects referred by new clients, just to be nice, and because i&#8217;m in such a good mood. Here it is: 4.5% 30 fixed, no cost 3.875% 15 fixed, no cost *Lower rates available for 2k in closing costs. Even lower rates available with points and costs(1/8th of a point generally costs 1%). No cost deals typically apply to larger loan amounts. Time sensitive, limited opportunity that will not last. **************************************************************************************** Here is what to do next. If you are a past client and I already have your info CALL ME 2487550765 &#8211; OR &#8211; Write back to this and let me know you are interested in seeing what&#8217;s out there for you. I&#8217;ll reactivate your file, do the preliminary value confirmation and determine your eligibility. If we have not worked together before: Go ahead click on the secure link below and input your general information. Takes 3-4 minutes max, be sure to click &#8220;submit&#8221; when you are done 7472565517.secure-loancenter.com Next &#8211; Gather your required underwriting documentation(listed below) and email or fax to 2487863150. Serious about getting a mortgage but don&#8217;t have easy access to scanner/fax? Let me know and we&#8217;ll pick up your docs from you, convert them into pdfs for you and return your originals. Hows that for <b>&#8230;</b></p>
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		<title>Why do I need to pay more closing costs with a lower interest rate?</title>
		<link>http://refinancingtools.com/why-do-i-need-to-pay-more-closing-costs-with-a-lower-interest-rate/</link>
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		<pubDate>Thu, 29 Mar 2012 00:02:25 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Closing Costs Financing]]></category>
		<category><![CDATA[closing]]></category>
		<category><![CDATA[costs]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[Lower]]></category>
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		<description><![CDATA[Question by]]></description>
			<content:encoded><![CDATA[<p><strong><i>Question by <3 Chrissy</i>: Why do I need to pay more closing costs with a lower interest rate?</strong><br />
My lender created 3 scenarios that estimate the amount of closing costs, each with a different interest rate.  The lowest interest rate created the highest $  $   amount at closing.  The highest interest rate created the lowest $  $   amount at closing.  There is about $  2000 difference between these two.</p>
<p>Why?</p>
<p><strong>Best answer:</strong></p>
<p><i>Answer by GVD</i><br/>Because each day, there is an associated cost to acquire each interest rate. When people ask &#8220;what is your rate today?&#8221;, the correct answer should be &#8220;Any rate you want.&#8221; For example: </p>
<p>4.375% = .5%   (Called half a point)<br />
4.5%% = No points<br />
4.625% = YSP (Yield Spread Premium and pays back .5%)<br />
4.75% = YSP pays back 1%</p>
<p>These are just examples and not necessarily accurate based on todays rates.</p>
<p>In the above scenario, if you selected 4.375% you would have to pay half a point (.5%) of the loan amount to get this rate on top of your other closing costs. If you selected 4.5% there are no points to get this rate and it&#8217;s called a &#8220;par&#8221; rate. If you selected 4.625% you would get .5% of the loan amount rebated to you to go towards closing costs, so your overall costs would be less. If you selected 4.75%, you would get a fill 1% (1 point) rebated to you to offset other closing costs. Choosing which rate works best depends on your long and short term goals. Paying points to lower rate may be a good move when staying long term while using YSP to your advantage and lowering closing costs can be an effective short term strategy. </p>
<p>As of January 1, 2010 all YSP is to be rebated to the consumer so you need to be careful who you work with and make sure you understand how this works. Many unscrupulous loan officers may try to keep this YSP as their compensation so always get a 2nd opinion on your quotes and ask a lot of questions.</p>
<p><strong>Give your answer to this question below!</strong></p>
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		<title>Q&amp;A: How should I go about purchasing my gram&#8217;s house? Mortgage? Home Equity? FHA? It is in an estate of my dad.?</title>
		<link>http://refinancingtools.com/qa-how-should-i-go-about-purchasing-my-grams-house-mortgage-home-equity-fha-it-is-in-an-estate-of-my-dad/</link>
		<comments>http://refinancingtools.com/qa-how-should-i-go-about-purchasing-my-grams-house-mortgage-home-equity-fha-it-is-in-an-estate-of-my-dad/#comments</comments>
		<pubDate>Sun, 25 Mar 2012 00:04:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Refinance]]></category>
		<category><![CDATA[about]]></category>
		<category><![CDATA[dad.]]></category>
		<category><![CDATA[equity]]></category>
		<category><![CDATA[Estate.]]></category>
		<category><![CDATA[gram's]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[House]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Purchasing]]></category>
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		<description><![CDATA[Question by crave132: How should I go about purchasing my gram&#8217;s house? Mortgage? Home Equity? FHA? It is in an estate of my dad.? Ok so here is the situation. My gram died over a year ago and her house has been sitting in an estate that my dad and his 3 siblings are in [...]]]></description>
			<content:encoded><![CDATA[<p><strong><i>Question by crave132</i>: How should I go about purchasing my gram&#8217;s house? Mortgage? Home Equity? FHA? It is in an estate of my dad.?</strong><br />
Ok so here is the situation. My gram died over a year ago and her house has been sitting in an estate that my dad and his 3 siblings are in charge of. He has been holding up the estate so I can get the house, but I have to save up money first. I have the money saved up now, just need to see about what my best method is for getting the house? Regular mortgage rates at local banks are 5% for 30 years and up. The house was appraised at 72000 and I am getting it for 60000, 15000 for my dad and each of his 3 sibling divided equally. My question is should I get the house deeded to me for $  1 to avoid having to pay all the closing costs and do it as a home equity loan? Is there somewhere better to get a mortgage than a local bank? None of the big banks will do FHA/government loans. Please tell me the best way to go about getting the house in my name, and getting my aunts and uncles their money.<br />
I have already been qualified for the loan, but if I do a home equity I wouldnt have to pay closing costs. Yes i know what a home equity loan is, I used to work as a credit analyst at a bank. There is no money owed on the house, and if it were in my name I would have all the equity to take out. The only reason I need money is because my aunts and uncles want their share for the house, and they want it soon. I have 5000 saved up, which is 5% down plus closing costs. I just want to know if there are any other loopholes besides having the house deeded to me for $  1, which is not fraud and is legal. Thanks for the answers so far, but you havent told me anything I dont already know.</p>
<p><strong>Best answer:</strong></p>
<p><i>Answer by Greg K</i><br/>There are a number of ways to do this, but it&#8217;s all about the level of trust between the parties.</p>
<p>First off, the purchaser needs to be someone that can get a loan.  If that is you, fine, but if not, you need to figure out who can meet the lenders requirements.  What mortgage products are available to you are predicated on the creditworthiness of the borrower.  A mortgage broker may be of real assistance to you in figuring this out.</p>
<p>Closing costs vary with the mortgage product.  You will need to figure out the nuances of closing costs as you decide your mortgage.</p>
<p>Finally there is the question of title.  Assuming you purchase the house, the title is now in your name.  It sounds like the house is already in a trust for the estate.  Transferring the beneficiary name on the trust may be the easiest thing to do.  And it doesn&#8217;t involve much money at all.</p>
<p>Nothing needs to change until you sell the house.  If the trust owns the house, the trust gets the money.  You need to look at the trust documents to understand what happens to the money in the trust.  </p>
<p>Good Luck</p>
<p><strong>Know better? Leave your own answer in the comments!</strong></p>
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