loan – How to Get a Home Loan(with Bad Credit) – Getting Approved for a Home Loan,Can you get a loan





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In finance, a loan is the lending of money from one individual, organization or entity to another individual, organization or entity. A loan is a debt provided by an entity (organization or individual) to another entity at an interest rate, and evidenced by a promissory note which specifies, among other things, the principal amount of money borrowed, the interest rate the lender is charging, and date of repayment. A loan entails the reallocation of the subject asset(s) for a period of time, between the lender and the borrower.
The loan is generally provided at a cost, referred to as interest on the debt, which provides an incentive for the lender to engage in the loan. In a legal loan, each of these obligations and restrictions is enforced by contract, which can also place the borrower under additional restrictions known as loan covenants. Although this article focuses on monetary loans, in practice any material object might be lent.

An entity which provides insurance is known as an insurer, insurance company, or insurance carrier. A person or entity who buys insurance is known as an insured or policyholder. The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer’s promise to compensate the insured in the event of a covered loss.

A mortgage loan, also referred to as a mortgage, is used by purchasers of real property to raise funds to buy real estate; by existing property owners to raise funds for any purpose while putting a lien on the property being mortgaged. The loan is “secured” on the borrower’s property.

The Office of the New York State Attorney General as the “People’s Lawyer” is the guardian of the legal rights of the citizens of New York, its organizations and its natural resources. However, the Attorney General by law does not represent private individuals or provide legal advice, legal research

With good credit, there are more credit card options available and it’s important to comparison shop. You’ll discover a wide range of APRs, benefits and fees, so make sure to do your research before applying. Start by checking out our favorite credit cards for good credit offered by our credit card partners.

The educational prerequisites for becoming a lawyer vary greatly from country to country. In some countries, law is taught by a faculty of law, which is a department of a university’s general undergraduate college.

A donation is a gift given by physical or legal persons, typically for charitable purposes and/or to benefit a cause. A donation may take various forms, including cash offering, services, new or used goods including clothing, toys, food, and vehicles.

An academic degree is a qualification awarded on successful completion of a course of study in higher education, normally at a college or university. These institutions commonly offer degrees at various levels, typically including bachelor’s, master’s

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Declining payer reimbursements and regulatory changes are resulting in even lower reimbursements as providers adjust for specificity to maintain accurate reimbursement.

Computer software, or simply software, is that part of a computer system that consists of encoded information or computer instructions, in contrast to the physical hardware from which the system is built.

Gas is one of the four fundamental states of matter (the others being solid, liquid, and plasma). A pure gas may be made up of individual atoms (e.g. a noble gas like neon), elemental molecules made from one type of atom (e.g. oxygen), or compound molecules made from a variety of atoms (e.g. carbon dioxide).

Electricity is the set of physical phenomena associated with the presence and flow of electric charge. Electricity gives a wide variety

source by https://www.wikipedia.org/

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VA home Loans





Veterans I know you hear this all of the time, “save money” blah blah, blah. Seriously if you’re thinking about home ownership, renting cost more that owning. If you already own a home and your rate is 4.875 or higher, then you need to watch this video.

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C.A.R. Housing Affordability Fund Pays Borrowers HOA for 6 Months





November, 2002, The California Association of Realtors, announced the Housing Affordability Fund, a non-profit 501(c)(3) dedicated to addressing California’s growing housing affordability crisis. The C.A.R., has been fundraising with Casino Nights, Golf Tournaments, and more… in December, 2016 they unveiled the Homeowners Association Grant Program, which will provide qualified first time California homebuyers up to 6 months of HOA dues, up to $2,500. C.A.R.’s Housing Affordability Fund’s, or HAF, has allocated $1M towards this program.

This week’s Marketing Tip is about an agent who through a neighborhood barbecue to introduce the new family.

Iron Point Mortgage is a home loan lender in beautiful Folsom, CA servicing the tri county area of Sacramento, Placer and El Dorado. We offer several loan products including FHA Loan, VA Loan, USDA, Conventional, and Jumbo.

Thanks for watching and please take a moment to subscribe to our YouTube Channel by clicking here: https://www.youtube.com/channel/UC0bd…

Kevin Fritz
MLO #220254
Iron Point Mortgage
916-985-3200
©2015 A division of Finance of America Mortgage LLC | Equal Housing Lender | NMLS 1071 | AZ BK 0910184 | Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.

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life insurance, lone, car insurance, car loan, top insurance, Deposit insurance





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Troy-Fit general





Orange County Honda Dealer in San Juan Capistrano, CA | Bad Credit Bankruptcy Auto Loan

Get Pre-Approved Here: http://www.oceanhondasjc.com/financing/application-short.htm

Ocean Honda of San Juan Capistrano sells high quality low cost Pre-owned & Certified Used Honda cars, trucks, SUVs & minivans to customers in Orange County, California.

We’re honored to serve the Orange County, CA area. We promise that your experience at our dealership will exceed your expectations!

See Our New Honda Inventory:
http://www.oceanhondasjc.com/new-inventory/index.htm

See Our Used Car Inventory:
http://www.oceanhondasjc.com/used-inventory/index.htm

Get An Instant Cash Trade-in Value Offer Here:
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We will buy your car even if you don’t buy ours. We will give you up to 125% Trade-In Value for your trade! See Dealer for complete details.

Ocean Honda of San Juan Capistrano is located in San Juan Capistrano, CA. We are now serving Orange County, Dana Point, Irvine, Rancho Santa Margarita, Lake Elsinore, Mission Viejo, San Clemente, Costa Mesa, Laguna Beach, Laguna Niguel, Lake Forest, Newport Beach, Santa Ana, Oceanside & Aliso Viejo. This Honda dealer offers low prices, New Hondas, Certified Honda Used Cars & Honda OEM Parts & Service. We Service All Makes & Models.

Ocean Honda of San Juan Capistrano Finance Department offers low rates & Lease Specials | Online New & Used Car Specials @ Ocean Honda | Car Loans Available | Bad Credit & No Credit Car Loans

Get A Car With Bad Credit, Bankruptcy, or No Credit in San Juan Capistrano, CA.

Honda Certified Used and Pre-owned Dealership in San Juan Capistrano, CA.

Ocean Honda of San Juan Capistrano
33555 Camino Capistrano
San Juan Capistrano, CA 92675
949-682-7078

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What is LOAN PURPOSE? What does LOAN PURPOSE mean? LOAN PURPOSE meaning, definition & explanation





What is LOAN PURPOSE? What does LOAN PURPOSE mean? LOAN PURPOSE meaning – LOAN PURPOSE definition – LOAN PURPOSE explanation.

Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license.

Loan purpose is a term in United States mortgage industry to show the underlying reason an applicant is seeking a loan. The purpose of the loan is used by the lender to make decisions on the risk and may even impact the interest rate that is offered. For example, if an applicant is refinancing a mortgage after having taken some cash out, the lender might consider that an increase in risk and increase the interest rate that is offered or add additional conditions. Loan purpose is important to the process of obtaining mortgages or business loans that are connected with specific types of business activities.

Pertaining to mortgages and their risk based pricing factors, the loan purpose factor is sub-categorized by purchase, rate and term refinance and cash-out refinance. Lenders assess that a purchase loan contains the least amount of risk and thus ‘price’ purchase loans most favorably (i.e. no interest rate increase or a risk-based pricing improvement in the order of .25%).

Rate and term refinances are priced similar to purchase loans, with no interest rate increase. Cash received by the borrower at closing may not exceed $2000 to maintain rate and term status. The purpose is, as the name implies, to reduce the interest rate, payment, and/or overall term of the mortgage.

Cash-out refinances are deemed to have a higher risk factor than either rate & term refinances or purchases due to the increase in loan amount relative to the value of the property. Risk-based pricing typically mandates a .25% to .5% increase in interest rate if a borrower needs to draw equity out of the subject property.

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How To Set Shutter Speed for DSLR Video





Visit http://thepodcastersstudio.com/gear to view my complete gear list. Gear used in this video is linked below.

When it comes to setting up your shutter speed to get a proper exposure for your DSLR video, there are rules you can follow that apply to any camera that has manual settings.

As a starting point, getting great looking video out of your DSLR camera, starts with getting the correct exposure (lightness or darkness) for whatever scene you are shooting. Setting your shutter speed is the easiest place to start because, in general, you’ll set it once and leave there for the entire shoot.

The 180 degree rule is a concept in filmmaking used to setup a proper shutter speed based on your frames per second (FPS). The rule dictates that you multiple FPS by two. In the case of 24fps, you’d set your shutter speed at 1/48th. However, with most DSLR cameras you don’t have 1/48th as an option so you use the closest number which would be 1/50th. If you’re shooting at 30fps then you’d use 1/60th.

This rule determines the amount of motion blur you’ll see in your video. Using the 180 degree rule gives you the same setup that is used in hollywood filmmaking. It’s the amount of motion blur that our brain expects to see because it has been used in film for so long. Also, our eyes naturally see some kind of blur so this mimics what our eye is already seeing.

Setting your shutter speed too high (125th and above) will start to produce jagged looking images. Moving objects in your scene won’t have much, if any, motion blur and thus will appear to jump from one point to another giving your videos a jagged look otherwise known as the staccato effect.

A famous example of this is the opening scene of Saving Private Ryan. The higher shutter speed makes things appear hyper-real and more chaotic. On the contrary, slowing the shutting speed below the 180 degree rule will produce a dreamy or psychedelic look.

If you are shooting video in a low light situation,a trick for getting more “real” (non ISO enhanced) light into the camera is to slow your shutter speed down below the 180 degree rule. As mentioned above, in scenes with lots of motion this might produce a weird look however if you are shooting a scene without a lot of motion, it can be a great trick for getting more light into your video.

Music heard in this video (in order of appearance):

A Sparkling Journey BY: Alexis Messier
http://www.premiumbeat.com/royalty_free_music/songs/a-sparkling-journey-2

Making Music by: Mx Brodie
http://www.premiumbeat.com/royalty_free_music/songs/making-music

*Gear used to make this video:

Canon 60D http://podhelp.me/60dkit
Transcend SD card 16 and 32GB Class 10 http://podhelp.me/tr16gb10
Canon Normal EF 50mm f/1.4 USM http://podhelp.me/canon501point4
Manfrotto 701 HDV Tripod http://podhelp.me/701hdv055xbkit
Rode VideoMic Pro http://podhelp.me/RbPLrq
Impact Multiboom Light Stand and Reflector Holder – 13′ http://podhelp.me/impactmultiboom
Zoom H4N http://podhelp.me/rech4nzoom

*all links should be considered affiliates. Purchases made using these links help support this channel. Please read my ethics statement at http://thepodcastersstudio.com/ethics

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Courtenay Mazda: 2010 Dodge Grand Caravan near Campbell River, Nanaimo on Vancouver Island





Locally Owned – Low Mileage – Stow and Go – Cruise Control – Power Windows – Power Locks – Air Conditioning – and So Much More! Call Mike at Courtenay Mazda and ask me all about this locally owned, low mileage Dodge Caravan. This Caravan has great features like stow and go seating, cruise control, power windows, power locks, air conditioning, and so much more. This vehicle was purchased by a caring daughter who wanted her mom to be comfortable in her later years. It’s been very well looked after and has a ton of life left for whomever needs a clean, low mileage, van in very good condition. Please call Mike at Courtenay Mazda and arrange a time to test drive this great deal today. Visit our website for many more details and pictures at www.CourtenayMazda.com We are a family-run, locally owned and operated dealership in the Comox Valley on Vancouver Island specializing in new and used vehicle sales, and servicing all areas of the Comox Valley including Courtenay, Comox, Campbell River, Parksville, Nanaimo, Victoria and all of Vancouver Island. Call us toll-free at 1-877-458-2110. Come visit Vancouver Island’s Premier pre-owned vehicle location across from Costco and Crown Isle in Courtenay, BC. We have an exceptionally large and fully reconditioned inventory with a complete 155-point inspection on every vehicle! Hundreds more on-line to choose from. We also service all makes and models with 6 service bays. Tour our welcoming facility, meet our staff and join us for a coffee! We are the one of the busiest pre-owned vehicle dealerships on Vancouver Island. Along with our fine line of New Mazda cars and Used Mazda vehicles, we market pre-owned import and domestic brands of quality Cars, Trucks, Vans, CUV’s and SUV’s – you name it and we will find it – and can help you get into the car or truck you need, no matter your current credit situation, without hassle or delay. Let us help you! For more than 20 years, Courtenay Mazda has been a trusted and respected used car dealer in the Comox Valley on Vancouver Island. We are dedicated to ensuring that you go far in a used car or truck, and it starts with an exclusive inventory of quality, reliable used cars and trucks, and a financing service that can provide you with guaranteed approval, help you restore your credit, and get you the best rate possible for your needs and situation. Courtenay Mazda – MVSA Certified #40158

www.CourtenayMazda.com is a locally owned business at your service since 1995, we are a New Mazda Dealership in Courtenay, BC in the beautiful Comox Valley on Vancouver Island.

At Courtenay Mazda, we believe the key to our success is our people, our automotive products, and simply the way that we satisfy our customers’ needs in a professional and caring manner. Our mandate has always been to continue to grow, test new ways and ideas and reinvest back into our business so we can exceed our customer’s expectations.

Mazda Finance services available for New and Used Mazdas near Parksville

Courtenay Mazda is proud to offer comprehensive Mazda financing and leasing services for car and SUV buyers in search of an advantageous car credit plan, one that will offer them the lowest rate for Mazda financing in Courtenay near Campbell River and Parksville, and flexible terms that answer to your needs and preferences. We have experienced Mazda financing specialists on site who can guide you in finding the right plan for your needs. Come and see us today in Courtenay near Campbell River and Parksville and get pre-approved for a car loan without delay or worry!

Courtenay Mazda: Mazda Dealership in the Comox Valley & Courtenay, BC near Campbell River and north of Nanaimo/Parksville on Vancouver Island.

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