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<div class="breadcrumb">You are here: <a href="/" title="View Home">Home</a> / <a href="/" title="View archives for 2010">2010</a> / Archives for June 2010</div> <div class="post-4121 post type-post status-publish format-standard hentry category-finance-q-and-a tag-lender tag-loan tag-modification tag-negotiate tag-tips tag-tricks tag-use">
<h2 class="entry-title"><a href="/" title="How can I negotiate a loan modification with my lender what tips or tricks can I use.?" rel="bookmark">How can I negotiate a loan modification with my lender what tips or tricks can I use.?</a></h2>
<div class="post-info"><span class="date published time" title="2010-06-29T20:06:49+00:00">June 29, 2022</span> By <span class="author vcard"><span class="fn"><a href="../author/admin.html" class="fn n" title="admin" rel="author">admin</a></span></span> <span class="post-comments"><a href="/#comments">1 Comment</a></span> </div> <div class="entry-content">
<p><strong><i>Question by BDZ</i>: How can I negotiate a loan modification with my lender what tips or tricks can I use.?</strong><br/>
I have an ARM. I cannot refinance. How can I go about negotiating a loan modification with my lender. I don’t want to be just a name and account number. I can meet the existing payments and to date have not fallen behind. If they raise the interest rate any further then that will be the tipping point. Are there organizations out there to help me such as HUD, etc. Do I already have to be in default before they’ll consider a loan modification?</p>
<p><strong>Best answer:</strong></p>
<p><i>Answer by Gregg</i><br/>The truth is that they won’t do anything until you get behind. You will have to miss payments before they will even talk to you. Seems stupid but that’s the way it is. You can write a hardship letter explaining why you cannot pay but you would have to have a good reason, usually medical reasons work well. </p>
<p>If you can pay, I suggest you do and sell it as fast as you can before your payment gets unmanageable.</p>
<p><strong>Add your own answer in the comments!</strong></p>
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<div class="post-meta"><span class="categories">Filed Under: <a href="../category/answers/finance-q-and-a.html" title="View all posts in Finance Q and A" rel="category tag">Finance Q and A</a></span> <span class="tags">Tagged With: <a href="../tag/lender.html" rel="tag">lender</a>, <a href="../tag/loan.html" rel="tag">loan</a>, <a href="/" rel="tag">modification</a>, <a href="/" rel="tag">negotiate</a>, <a href="../tag/tips.html" rel="tag">tips</a>, <a href="/" rel="tag">tricks</a>, <a href="/" rel="tag">use.</a></span> </div>
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<div class="post-3710 post type-post status-publish format-standard hentry category-finance-q-and-a tag-agent tag-become tag-broker tag-california tag-mortgage">
<h2 class="entry-title"><a href="/" title="How do I become a mortgage broker or mortgage agent in California?" rel="bookmark">How do I become a mortgage broker or mortgage agent in California?</a></h2>
<div class="post-info"><span class="date published time" title="2010-06-29T11:50:48+00:00">June 29, 2022</span> By <span class="author vcard"><span class="fn"><a href="../author/admin.html" class="fn n" title="admin" rel="author">admin</a></span></span> <span class="post-comments"><a href="/#comments">2 Comments</a></span> </div> <div class="entry-content">
<p><strong><i>Question by Nelson</i>: How do I become a mortgage broker or mortgage agent in California?</strong><br/>
I am fresh out of a college. Not just any college; a community college. And I need step by step how to become a mortgage broker or mortgage agent please. Thanks alot.</p>
<p><strong>Best answer:</strong></p>
<p><i>Answer by nostalgia80</i><br/>Get a job at the Mortgage Broker Office.<br/>
at first, you’ll just answer phone calls and all, but eventually, you’ll either be a processor or agent.</p>
<p><strong>Give your answer to this question below!</strong></p>
</div><!-- end .entry-content -->
<div class="post-meta"><span class="categories">Filed Under: <a href="../category/answers/finance-q-and-a.html" title="View all posts in Finance Q and A" rel="category tag">Finance Q and A</a></span> <span class="tags">Tagged With: <a href="/" rel="tag">agent</a>, <a href="../tag/become.html" rel="tag">become</a>, <a href="/" rel="tag">broker</a>, <a href="/" rel="tag">California</a>, <a href="../tag/mortgage.html" rel="tag">Mortgage</a></span> </div>
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<div class="post-4057 post type-post status-publish format-standard hentry category-finance-q-and-a tag-house tag-mortgage tag-possible tag-unemployed">
<h2 class="entry-title"><a href="/" title="Is it possible to get a mortgage for a house if I am unemployed?" rel="bookmark">Is it possible to get a mortgage for a house if I am unemployed?</a></h2>
<div class="post-info"><span class="date published time" title="2010-06-27T16:36:13+00:00">June 27, 2022</span> By <span class="author vcard"><span class="fn"><a href="../author/admin.html" class="fn n" title="admin" rel="author">admin</a></span></span> <span class="post-comments"><a href="/#comments">8 Comments</a></span> </div> <div class="entry-content">
<p><strong><i>Question by Mike</i>: Is it possible to get a mortgage for a house if I am unemployed?</strong><br/>
Let me be specific: I have 130,000$ cash, but am unemployed. I received this money as an inheritance. I intend to buy a house with several floors and tenants. Is a mortgage possible in my case? My intention is to at first keep payments going for the mortgage through the revenue generated by the tenants. This will give me the time to get a new job. Would a bank accept this case despite my being unemployed?</p>
<p><strong>Best answer:</strong></p>
<p><i>Answer by ElleCeleste</i><br/>Anything’s possible in this world. Just look for the right broker or lender - it just might not be a bank, that’s all. Good luck !</p>
<p><strong>Add your own answer in the comments!</strong></p>
</div><!-- end .entry-content -->
<div class="post-meta"><span class="categories">Filed Under: <a href="../category/answers/finance-q-and-a.html" title="View all posts in Finance Q and A" rel="category tag">Finance Q and A</a></span> <span class="tags">Tagged With: <a href="/" rel="tag">house</a>, <a href="../tag/mortgage.html" rel="tag">Mortgage</a>, <a href="../tag/possible.html" rel="tag">possible</a>, <a href="/" rel="tag">unemployed</a></span> </div>
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<div class="post-3646 post type-post status-publish format-standard hentry category-finance-q-and-a tag-become tag-broker tag-mortgage tag-ohio">
<h2 class="entry-title"><a href="/" title="How do I become a mortgage broker in ohio?" rel="bookmark">How do I become a mortgage broker in ohio?</a></h2>
<div class="post-info"><span class="date published time" title="2010-06-27T05:11:06+00:00">June 27, 2022</span> By <span class="author vcard"><span class="fn"><a href="../author/admin.html" class="fn n" title="admin" rel="author">admin</a></span></span> <span class="post-comments"><a href="/#comments">Leave a Comment</a></span> </div> <div class="entry-content">
<p><strong><i>Question by Wondering????</i>: How do I become a mortgage broker in ohio?</strong><br/>
I know the mortgage industry is in a mess right now, but I am looking toward the future when we rebound. Wondering what requirments there are to become a mortgage broker in Ohio. I am looking to work this industry on the side, as I already have a full time sales job. Also what are the typical commisions paid to brokers for sub-prime, prime, and jumbo mortgage loans…is this split with the company you work for? I already work 100% commission, so that is not a problem. Any input on this career is greatly appreciated, ie the ups and downs.</p>
<p><strong>Best answer:</strong></p>
<p><i>Answer by Traverse City Agent</i><br/>Here’s a link to the application required by the state. It included a list of requirements to be eligable. http://www.com.state.oh.us/dfi/documents/mainofficemortgagebrokerapppacket_000.pdf</p>
<p>I would start by getting some of the required education. You may want to also work for a company before typing to open your own brokerage. Even if you only work in a related field it will be very helpful later on. Such as as a real estate assistant to a successful real estate agent.</p>
<p><strong>Add your own answer in the comments!</strong></p>
</div><!-- end .entry-content -->
<div class="post-meta"><span class="categories">Filed Under: <a href="../category/answers/finance-q-and-a.html" title="View all posts in Finance Q and A" rel="category tag">Finance Q and A</a></span> <span class="tags">Tagged With: <a href="../tag/become.html" rel="tag">become</a>, <a href="/" rel="tag">broker</a>, <a href="../tag/mortgage.html" rel="tag">Mortgage</a>, <a href="/" rel="tag">Ohio</a></span> </div>
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<div class="post-3708 post type-post status-publish format-standard hentry category-finance-q-and-a tag-almost tag-borrowing tag-limit tag-loans tag-process tag-student tag-they">
<h2 class="entry-title"><a href="/" title="How do they process your student loans when you almost at your borrowing limit?" rel="bookmark">How do they process your student loans when you almost at your borrowing limit?</a></h2>
<div class="post-info"><span class="date published time" title="2010-06-27T04:18:39+00:00">June 27, 2022</span> By <span class="author vcard"><span class="fn"><a href="../author/admin.html" class="fn n" title="admin" rel="author">admin</a></span></span> <span class="post-comments"><a href="/#comments">Leave a Comment</a></span> </div> <div class="entry-content">
<p><strong><i>Question by Southerngirl29</i>: How do they process your student loans when you almost at your borrowing limit?</strong><br/>
I have around $ 4500.00 left in student loans, and I have two semester left of college. In the fall, I am taking 15 hours, but in the spring I am only taking six. Will they offer the remaining of my loans for the fall semester, and I can use my pell grant for the spring or will they split the remaining loans between the two semesters?</p>
<p><strong>Best answer:</strong></p>
<p><i>Answer by ilovedietcokealot</i><br/>Chances are they will split the remaining loans between the two semesters, at least my college does.<br/>
hope this helps</p>
<p><strong>Know better? Leave your own answer in the comments!</strong></p>
</div><!-- end .entry-content -->
<div class="post-meta"><span class="categories">Filed Under: <a href="../category/answers/finance-q-and-a.html" title="View all posts in Finance Q and A" rel="category tag">Finance Q and A</a></span> <span class="tags">Tagged With: <a href="/" rel="tag">almost</a>, <a href="/" rel="tag">borrowing</a>, <a href="/" rel="tag">limit</a>, <a href="../tag/loans.html" rel="tag">loans</a>, <a href="/" rel="tag">process</a>, <a href="../tag/student.html" rel="tag">student</a>, <a href="/" rel="tag">they</a></span> </div>
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<div class="post-3707 post type-post status-publish format-standard hentry category-finance-q-and-a tag-best tag-build tag-card tag-credit tag-fastest tag-should tag-whats">
<h2 class="entry-title"><a href="/" title="What credit card should I get, whats the fastest and best way to build credit?" rel="bookmark">What credit card should I get, whats the fastest and best way to build credit?</a></h2>
<div class="post-info"><span class="date published time" title="2010-06-26T13:41:23+00:00">June 26, 2022</span> By <span class="author vcard"><span class="fn"><a href="../author/admin.html" class="fn n" title="admin" rel="author">admin</a></span></span> <span class="post-comments"><a href="/#comments">2 Comments</a></span> </div> <div class="entry-content">
<p><strong><i>Question by B sack</i>: What credit card should I get, whats the fastest and best way to build credit?</strong><br/>
I have no credit and was wondering what credit card I should get. I do not want to get a co-signer and I am not 21. I am getting this card to build credit and was wondering what other things I should do to build my credit. Whats the fast and best way to build credit? with cards or any other device.<br/>
Thanks everyone!</p>
<p><strong>Best answer:</strong></p>
<p><i>Answer by Cold</i><br/>The new federal regulations will make it impossible for you to get a credit card if you are under 21.<br/>
Don’t fall for online scam sites that tell you otherwise.</p>
<p>Two ways:<br/>
1. Get a secured card from your bank where you have your checking.<br/>
Compare it first to Citi and Orchard - they have among the best.<br/>
In a year (if you are over 21 then) it will turn into a credit card if you use it wisely.<br/>
Wise use: Replace the money in full each month - no games.</p>
<p>2. Make a secured loan.<br/>
Drop about $ 1,500 to $ 3,000 into a savings or a cd, then ask the bank to make a one year loan against this money…</p>
<p><strong>Know better? Leave your own answer in the comments!</strong></p>
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<div class="post-meta"><span class="categories">Filed Under: <a href="../category/answers/finance-q-and-a.html" title="View all posts in Finance Q and A" rel="category tag">Finance Q and A</a></span> <span class="tags">Tagged With: <a href="../tag/best.html" rel="tag">best</a>, <a href="/" rel="tag">build</a>, <a href="../tag/card.html" rel="tag">card</a>, <a href="../tag/credit.html" rel="tag">credit</a>, <a href="/" rel="tag">fastest</a>, <a href="../tag/should.html" rel="tag">should</a>, <a href="../tag/whats.html" rel="tag">What's</a></span> </div>
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<div class="post-4117 post type-post status-publish format-standard hentry category-finance-q-and-a tag-between tag-could tag-debt tag-difference tag-each tag-expample tag-give tag-good">
<h2 class="entry-title"><a href="/" title="What is the difference between good debt and bad debt? And could you give me expample of each.?" rel="bookmark">What is the difference between good debt and bad debt? And could you give me expample of each.?</a></h2>
<div class="post-info"><span class="date published time" title="2010-06-25T11:21:39+00:00">June 25, 2022</span> By <span class="author vcard"><span class="fn"><a href="../author/admin.html" class="fn n" title="admin" rel="author">admin</a></span></span> <span class="post-comments"><a href="/#comments">8 Comments</a></span> </div> <div class="entry-content">
<p><strong><i>Question by steelerspride24</i>: What is the difference between good debt and bad debt? And could you give me expample of each.?</strong><br/>
I just read somewhere where you can make money off your good debt. I just wanted examples of this.</p>
<p><strong>Best answer:</strong></p>
<p><i>Answer by kiranraj.bangalore</i><br/>debt in itself is not good!</p>
<p>The best way 2 lead life is</p>
<p>Debt FREE</p>
<p><strong>Give your answer to this question below!</strong></p>
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<div class="post-meta"><span class="categories">Filed Under: <a href="../category/answers/finance-q-and-a.html" title="View all posts in Finance Q and A" rel="category tag">Finance Q and A</a></span> <span class="tags">Tagged With: <a href="../tag/between.html" rel="tag">between</a>, <a href="/" rel="tag">could</a>, <a href="../tag/debt.html" rel="tag">debt</a>, <a href="../tag/difference.html" rel="tag">difference</a>, <a href="/" rel="tag">each</a>, <a href="/" rel="tag">expample</a>, <a href="/" rel="tag">give</a>, <a href="../tag/good.html" rel="tag">good</a></span> </div>
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<div class="post-4056 post type-post status-publish format-standard hentry category-finance-q-and-a tag-between tag-closer tag-difference tag-loan tag-processor">
<h2 class="entry-title"><a href="/" title="What is the difference between a loan processor and a loan closer?" rel="bookmark">What is the difference between a loan processor and a loan closer?</a></h2>
<div class="post-info"><span class="date published time" title="2010-06-25T09:55:09+00:00">June 25, 2022</span> By <span class="author vcard"><span class="fn"><a href="../author/admin.html" class="fn n" title="admin" rel="author">admin</a></span></span> <span class="post-comments"><a href="/#comments">Leave a Comment</a></span> </div> <div class="entry-content">
<p><strong><i>Question by drinkbeerz128</i>: What is the difference between a loan processor and a loan closer?</strong><br/>
Does loan processor do most of the application work and running numbers, and does the loan closer actually close the loan verbally over the phone or in person? Any loan processors or closers out there. I have a chance to interview for a loan closer position as a temp to perm hire. Also I would like to know if its easy to get started as i have no experience with loans as you already can guess. thx</p>
<p><strong>Best answer:</strong></p>
<p><i>Answer by KiaSister1</i><br/>A loan officer or originator meets with the clients and takes the intial application. It then is passed on to the processor, who does the rest of the work- ordering apraisal getting everything ready for underwriting, making sure that they have all the neccasary paperwork ie.. credit, employment verification. The processor, then passes it onto the underwriter, who checks their work, makes sure they have everything they need in the file, double checks everything to verify there is no fraud and then makes the final loan approval. Once it is done in underwiting- I think that is where the closer comes in. They prepare the closing documents and get them over to title, many times they will also do a final verification of everything, they may pull a new credit report, do a new job and income verification- to make sure that nothing has changed and then send the documents to the Title Company. The Title company will do their thing and then send them back to the lender. The closer or funder will then make sure that everything is signed correctly and that they have everything they need and send money to Title- that is when the loan is closed.</p>
<p><strong>What do you think? Answer below!</strong></p>
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<div class="post-meta"><span class="categories">Filed Under: <a href="../category/answers/finance-q-and-a.html" title="View all posts in Finance Q and A" rel="category tag">Finance Q and A</a></span> <span class="tags">Tagged With: <a href="../tag/between.html" rel="tag">between</a>, <a href="/" rel="tag">closer</a>, <a href="../tag/difference.html" rel="tag">difference</a>, <a href="../tag/loan.html" rel="tag">loan</a>, <a href="/" rel="tag">processor</a></span> </div>
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<div class="post-3705 post type-post status-publish format-standard hentry category-finance-q-and-a tag-expect tag-finance tag-goes tag-major tag-work">
<h2 class="entry-title"><a href="../what-can-a-finance-major-expect-to-do-as-far-as-work-goes.html" title="What can a finance major expect to do as far as work goes?" rel="bookmark">What can a finance major expect to do as far as work goes?</a></h2>
<div class="post-info"><span class="date published time" title="2010-06-24T10:27:22+00:00">June 24, 2022</span> By <span class="author vcard"><span class="fn"><a href="../author/admin.html" class="fn n" title="admin" rel="author">admin</a></span></span> <span class="post-comments"><a href="../what-can-a-finance-major-expect-to-do-as-far-as-work-goes.html#comments">1 Comment</a></span> </div> <div class="entry-content">
<p><strong><i>Question by Adsf A</i>: What can a finance major expect to do as far as work goes?</strong><br/>
I am considering finance, but all i have done in school is do problems. A lot of it is very difficult. Do finance majors use everything they learned in their jobs? What exactly do they do? How would a finance degree help me after law school?</p>
<p><strong>Best answer:</strong></p>
<p><i>Answer by williamdefalco</i><br/>As a Finance graduate I used it to enter into a banking career a few years back. That’s one area to go with, a good start IMO because it’s works great as a sort of Financial “residency” for a few years. I know of other graduates who went off to become financial advisors, but that area is a lot riskier because they only have one good year’s worth of salary and then it’s 100% commission afterwards, so you essentially have 365 days to get your stuff together. Another area is one that I’m looking to move into soon, which is as a Financial Analyst for my state. The government usually has some great Finance jobs, and I like that feeling that what you do directly impacts your state. Another area is corporate Finance, but just like with working for the state you usually need a few years experience in order to qualify. </p>
<p>As far as using Finance problems at work, it’s both a yes and a no. I’ve come across a few of the stuff I use to do in my Finance classes, but not nearly as much as I thought it’d be. I know though as a future Financial Analyst it’ll definitely be daily stuff. I guess it really depends which realm of Finance you go into.</p>
<p>Good luck.</p>
<p><strong>What do you think? Answer below!</strong></p>
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<div class="post-meta"><span class="categories">Filed Under: <a href="../category/answers/finance-q-and-a.html" title="View all posts in Finance Q and A" rel="category tag">Finance Q and A</a></span> <span class="tags">Tagged With: <a href="/" rel="tag">expect</a>, <a href="../tag/finance.html" rel="tag">finance</a>, <a href="/" rel="tag">goes</a>, <a href="../tag/major.html" rel="tag">major</a>, <a href="../tag/work.html" rel="tag">work</a></span> </div>
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<div class="post-4116 post type-post status-publish format-standard hentry category-finance-q-and-a tag-card tag-credit tag-history">
<h2 class="entry-title"><a href="/" title="How do I get a credit card with no credit history?" rel="bookmark">How do I get a credit card with no credit history?</a></h2>
<div class="post-info"><span class="date published time" title="2010-06-24T06:38:55+00:00">June 24, 2022</span> By <span class="author vcard"><span class="fn"><a href="../author/admin.html" class="fn n" title="admin" rel="author">admin</a></span></span> <span class="post-comments"><a href="/#comments">3 Comments</a></span> </div> <div class="entry-content">
<p><strong><i>Question by softballchica</i>: How do I get a credit card with no credit history?</strong><br/>
I am 18 and a student, I have applied for student credit cards at seperate times and have been denied because of having no credit history. The cards I am applying for are student cards for limited to no history, I want to know what else I need to do to get a credit card when I have no history. I want to get the card just to use for gas, so I can pay it off each month and slowly build some credit. Please Help!</p>
<p><strong>Best answer:</strong></p>
<p><i>Answer by Age of Reason</i><br/>You can’t. the new law says you must be 21</p>
<p><strong>Know better? Leave your own answer in the comments!</strong></p>
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