The Best Mortgage Lenders Online in 2016 – Credit Flare – Free Credit Tools, Credit


#online mortgage companies

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The Best Mortgage Lenders Online in 2016

With the housing market seeing some nice momentum in the past 6 months, now is definitely the time to jump on some of the lowest mortgage refinance interest rates the market has seen in some time. 2015 may actually be your last chance to take advantage of these low rates. It s almost to the point of being a joke actually, because just when you think the mortgage refinance companies can t lower the rates any further,you will inevitably spot a T.V. commercial or billboard with an insanely low re-fi rate that sounds too good to be true.

The truth is, these rates actually exist and you can definitely take advantage of them to refinance your current mortgage or apply for a new mortgage. At the very least, you can lock in a good fixed interest loan and get out of that adjustable rate mortgage that s probably been sucking you dry. Here s our picks for the best mortgage lenders online in 2015. Some of these companies are not actual lenders, but offer excellent services to help you find the best refinance loan for your current situation.

1. GetMyLender.com

GetMyLender.com is the one of the nation’s leading online lending exchanges. Instead of directly funding mortgages, GetMyLender compares multiple lenders and provides financial tools to help the consumer choose the best loan for them. GML is a no obligation, free service which lets you enter your information one time, and compare multiple loan offers. Give their lending comparison tool a try and see for yourself.

  • No personal information required
  • No commitment
    Personalized quotes in seconds

Click Here to Compare offers from multiple Lenders at GetMyLender.com!

2. RateMarketplace.com

RateMarketplace.com offers a variety of mortgage options including new mortgages, loan refinancing, cash-out refinancing and more. With RM Refinancing you know you re in the hands of a trusted provider who will get you the most competitive rate possible. Most loans will close in 30 days or less which means they work quickly to get you the best loan possible. Single Family homes, Multi-Family Homes, Condos and Mobile homes can all qualify, no matter what state your credit it in. Mortgage rates are still low. Refinance Lower Your Payment with RateMarketplace Refinancing Quotes!

3. LendingTree.com

LendingTree.com is another popular mortgage rate comparison site that searches for local mortgage lenders in your area and helps you find the right loan for your mortgage needs. Compare refinance quotes AND new home loan quotes as well as home equity and reverse mortgage loans. Lending Tree is a national comparison site, so they have access to some of the lowest rates you will find. You only need to complete one simple application to receive multiple loan quotes from competitive lenders. Click here to visit LendingTree.com to complete the form get your FREE loan quotes.

4. Credit Sesame Mortgage Refinancing

The Credit Sesame mortgage refinance center is not an online lender, but we wanted to include it because they feature a collection of tools to help you make informed decisions about your next home mortgage or refinancing your current home loan. As part of their service, you can analyze the current value of your home along with your credit and financial status to determine which mortgage is right for you. There s no credit card required. Start using the Interactive mortgage comparison tool. Instantly analyze loan rates and much more.

5. LowerMyBills Home Loans

LowerMyBills Home Loans is currently matching homeowners with rates as low as 2.49% (2.71% APR) on a 15 year fixed and 3.68% APR on 30 year fixed loans. With a very simple form, you will be able to get refinance, home equity loan, or new mortgage quotes from some of the most competitive lenders. There is no obligation to select or use any of the offers you receive, however LowerMyBills Home Loans makes it very easy to complete the process and get your application going. You can complete the 3 step form and get your free mortgage quotes

6. Vision Lending Home Loans

Vision Lending provides you with up to 5 customized refinance quotes to suit your loan needs. With rates as low as 2.375%*, they will help match you with a premier lender to get you the lowest rate possible, while getting you out of your current, high APR home loan. Compare home loans from Bank of America, Chase, Quicken Loans US Bank. Another nice feature of Vision Lending is the excellent tools information they provide as free resources to assist you with any questions you have regarding refinancing, home equity loans, new home mortgages and much more.

7. E-Loan

For over 15 years, E-Loan has assisted consumers in obtaining mortgage loans. E-Loan also provides credit cards, insurance, credit monitoring services and banking services. E-Loan even offer financial calculators and a whole learning center to help you make a good decision on what type of loan or service you need.

8. Citi Mortgage

Headquartered in St. Louis, Missouri, Citi Mortgage serves a wide range of customers across the U.S. The website is easy to use, offering a step by step guide on the home page that allows consumers to evaluate their financial standing and determine the mortgage options that are right for their current situation. With pre-approval on mortgage loans, consumers can focus on finding their new home with confidence that the financing is arranged.

9. Home Finance of America

Home Finance of America has been serving mortgage clients since 1993 with one goal; total support throughout the entire mortgage process. Even when applying over the phone, the applicant will receive outstanding customer service and personalized assistance. The applicant is connected with a live representative to assist them through the application process. HFA also offers lock-in interest rates, guaranteeing the interest rates will not go up after the loan has been negotiated.

10. Bank of America

Bank of America provides the basics and provides them well. Mortgage calculators and a large menu, easy to use menu that indexes a library of mortgage information helps the applicant quickly get up to speed on mortgage information. Bank of America also offers a home loan planner, which helps borrowers plan the costs of loans from start to finish.


American Advisors Group (AAG) Review 2016 – Complaints – More #mortgage #rates #pittsburgh


#aag reverse mortgage

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Reverse Mortgage Alert

American Advisors Group (AAG) Review

All About AAG Reverse Mortgage

American Advisors Group, also known as AAG, is the leading reverse mortgage lender in the nation.

Founded in 2004 and headquartered in Orange County, CA, AAG works with homeowners age 62 and older to convert a portion of their home equity into retirement income using a reverse mortgage. American Advisors Group is dedicated to helping older Americans live a more financially stable life in retirement. The company attributes its success to a unique culture of caring and a sharp focus on customer service. As evidence of this unique culture, AAG has ranked as an Orange County Register Top Workplace for three consecutive years.

As the leading brand in the industry, AAG is proud of its relationship with award-winning actor Tom Selleck. who joined AAG as the company s national spokesperson in 2016. Selleck works with AAG to inform older Americans about the importance of home equity and how a reverse mortgage can be used as a tool as part of a comprehensive retirement strategy. This role was previously filled by actor Pete Graves and former senator Fred Thompson.

Company Facts and Figures

  • Number of employees:

1000 associates

  • Licensed reverse mortgage lender in 49 U.S. states
  • Originates more than twice the loan volume of any other U.S. lender in the industry
  • A+ rating by the Better Business Bureau
  • 96 percent customer satisfaction rating, based on customer surveys (June 2013-May 2016)
  • Proud and active member of the National Reverse Mortgage Lenders Association (NRMLA)
  • Customer Reviews

    Like many companies, AAG also hosts a page on their website that displays a sampling of their recent customer surveys with verification provided by a third party. Unlike most other reverse mortgage lenders, we were able to find a high volume of customer reviews on the Internet. A majority of AAG customer reviews are positive, working out to be about 4-4.5 stars.

    • TrustPilot.com: 4 out of 5 stars/8.3 TrustScore
    • Consumeraffairs.com: 4.5/5 stars
    • Yelp.com: 4.5/5 stars

    Further, as of this writing, American Advisors Group has an A+ rating from the Better Business Bureau, a very positive sign.

    AAG Statistics

    As we mentioned, AAG is one of the largest reverse mortgage lenders in the country. To help put this in perspective, here is a table of total loans originated and the total maximum claim amount on these loans for the past two years:


    American Advisors Group (AAG) Review 2016 – Complaints – More #land #mortgage #calculator


    #aag reverse mortgage

    #

    Reverse Mortgage Alert

    American Advisors Group (AAG) Review

    All About AAG Reverse Mortgage

    American Advisors Group, also known as AAG, is the leading reverse mortgage lender in the nation.

    Founded in 2004 and headquartered in Orange County, CA, AAG works with homeowners age 62 and older to convert a portion of their home equity into retirement income using a reverse mortgage. American Advisors Group is dedicated to helping older Americans live a more financially stable life in retirement. The company attributes its success to a unique culture of caring and a sharp focus on customer service. As evidence of this unique culture, AAG has ranked as an Orange County Register Top Workplace for three consecutive years.

    As the leading brand in the industry, AAG is proud of its relationship with award-winning actor Tom Selleck. who joined AAG as the company s national spokesperson in 2016. Selleck works with AAG to inform older Americans about the importance of home equity and how a reverse mortgage can be used as a tool as part of a comprehensive retirement strategy. This role was previously filled by actor Pete Graves and former senator Fred Thompson.

    Company Facts and Figures

    • Number of employees:

    1000 associates

  • Licensed reverse mortgage lender in 49 U.S. states
  • Originates more than twice the loan volume of any other U.S. lender in the industry
  • A+ rating by the Better Business Bureau
  • 96 percent customer satisfaction rating, based on customer surveys (June 2013-May 2016)
  • Proud and active member of the National Reverse Mortgage Lenders Association (NRMLA)
  • Customer Reviews

    Like many companies, AAG also hosts a page on their website that displays a sampling of their recent customer surveys with verification provided by a third party. Unlike most other reverse mortgage lenders, we were able to find a high volume of customer reviews on the Internet. A majority of AAG customer reviews are positive, working out to be about 4-4.5 stars.

    • TrustPilot.com: 4 out of 5 stars/8.3 TrustScore
    • Consumeraffairs.com: 4.5/5 stars
    • Yelp.com: 4.5/5 stars

    Further, as of this writing, American Advisors Group has an A+ rating from the Better Business Bureau, a very positive sign.

    AAG Statistics

    As we mentioned, AAG is one of the largest reverse mortgage lenders in the country. To help put this in perspective, here is a table of total loans originated and the total maximum claim amount on these loans for the past two years:


    HOME – Free Bass Guitar Lessons #learn #bass, #free #bass #guitar #lessons, #learn #how #to


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    FAT STRINGER LOW END LOVER!

    Welcome to my Bass tutorial website. If you are new here, then please check out the ‘Lesson tree’. This is an order of practice, starting at beginners level, and slowly raising.

    Also take time to check out all the other free Bass lessons and content that is on this site! – Kris

    A TESTIMONIAL

    I’ve sampled many online bass lessons over the past year or so. Paid a lot of money but didn’t learn much. But your lessons are a breath of fresh air. Most sites and teachers are dull, over complicated and in some cases-self-important. You have managed to simplify the jargon, to a point where literally anyone can understand and have fun when learning this instrument. But also, behind that laid back, almost jokey exterior is one hell of creative and innovative bass player. In a way it’s a shame that you don’t flaunt and show yourself off like many famous musicians, because if you did, you’d be one of the best. You’re an inspiration. Thankyou for everything, and god bless you – Tom, USA.

    Welcome to Dmans’ Bass blog, and video log! Learning Bass guitar made fun, simple, and easy! Slapping, popping, tapping, beginners Bass songs, beginners riffs, Bass guitar tips, Bass chords, Bass finger picking, plus many other Bass lessons are covered on this site!

    Hundreds of Thousands have learnt from me online, and many have gone onto becoming succesfull bass players in their bands, since I started doing these lessons in 2007. My online students often remark on how I keep things simple, and connect with them as people. That was always my main aim. To connect, which is what so many other online teachers fail to do. I hope you take something positive out of these lessons, and go onto to becoming a great Bass player!

    The first port of call on your Bass journey should be the “Lesson tree”. There, you will find a list of lessons that start off easy, and slowly progress.

    As hundreds will tell you: If you do those lessons one by one, you will be well on your to becoming a great Bass player, like many of them have done. Take it seriously, and go one by one!

    QUICK LINKS

    My Top ten Bass lines!

    Who is this Kris Rodgers guy, anyway?

    LATEST FUN STUFF!

    REVIEWS

    DR Neon Green strings review

    PlanetWaves Micro Tuner

    ZOOM B3 Effects

    SpectorCore Piezo

    Roland Cube 30 Amp

    Cort Artisan B4

    Korg Pandora PX5D Effects

    Westfield Acoustic Bass

    Popular Bands Lessons:

    I USE:

    This site is copyright of Kris Rodgers 2016


    Digital Media Manager – Communicatiemanagement Thomas More #digital #marketing #classes #online, #digitale #marketing #communicatie #opleiding


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    Digitale media manager – de beste opleiding digitale marketing in Vlaanderen – een afstudeertraject van communicatiemanagement

    Een interessante opleiding in 1, 2 of drie jaar

    Recht van de middelbare schoolbanken of op zoek naar een vervolgopleiding, postgraduaat of banaba in digitale media? Dan is dit afstudeertraject helemaal iets voor jou. Wil je meer te weten komen over de opleiding. Scroll dan zeker door!

    Wens je graag meer informatie over de richting Communicatiemanagement en alle afstudeertrajecten in het algemeen? Of wil je je meteen inschrijven? Bezoek dan zeker de website van Thomas More !

    Heb je dringende vragen of opmerkingen? Laat het ons weten via de chatbox of neem contact op met Peter Van Edom. eindbaas van #DMMore.

    Je bent op zoek naar jong werktalent

    Je bedrijf heeft een plaatsje vrij voor een jonge digitale alleskunner? Zoek niet verder en bekijk hier wie er binnenkort afstudeert binnen #DMM. Of bied je een stageplaats aan? Neem dan zeker contact met ons of rechtstreeks met hen op!

    Weten waar onze studenten stage liepen in 2016 is natuurlijk ook handig meegenomen. Zo zie je onmiddelijk waar hun interessegebied ligt en welke ervaring ze met zich meenemen.

    Heb je een interessant project voor ons ongetemd talent?
    Maak dan een afspraak bij Afterfive. het communicatiebureau van Thomas More.

    58 Studenten #DMMore

    Onderstaande studenten volgen het afstudeertraject ‘Digital Media Management’ van de opleiding communicatiemanagement aan de hogeschool Thomas More in Mechelen. Ze doen een stage van 12 a 16 weken tussen januari en juni 2017. Ontdek hier hun stageplaatsen.

    Nomi Coppens

    12 Kennisdomeinen – 2 profielen

    De opleiding heeft de ambitie studenten de basiskennis en -vaardigheden aan te leren van 12 kennisdomeinen in digitale communicatie en marketing. Meer info vind je op de site van Thomas More.

    Als je al een diploma Communcatiemangement, Communicatiewetenschappen, Marketing of Journalistiek hebt, kan je de opleiding verkort in 1 jaar volgen. Heb je een ander diploma op zak, spring gerust binnen of neem contact op met Peter Van Edom.

    Vanaf september 2016 zal je binnen DMM je eigen focus kiezen aan de hand van 2 profielen.
    Enerzijds Content Creator en anderzijds Performance Communicator .

    Project Management

    o.a. Lean Agile | People Management | Budgettering | Scrum | Basecamp

    SEO

    o.a. Keyword Analyse | Google Trends | Rich Snippets

    Online Advertising

    o.a. SEA | Google Adwords | Facebook Advertising | Bannering | Real TIme Bidding | Affiliate Marketing

    Web Copy


    Loan Officer Salaries by education, experience, location and more #fha #mortgage


    #mortgage loan officer

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    Loan Officer Salary

    Identifies and assists prospective clients in the loan application process. Verifies applications and approves loans. May require a bachelor s degree or its equivalent with at 2 years of experience in the field. Familiar with standard concepts, practices, and procedures within a particular field. Relies on experience and judgment to plan and accomplish goals. Performs a variety of complicated tasks. Typically reports to a supervisor/manager. A limited degree of creativity and latitude is expected. View Loan Officer/Counselor Salary

    Alternate Job Titles. Loan Officer/Counselor

    Responsible for soliciting and servicing construction loans. Interviews applicants and recommends approval of customer applications for construction loans. Analyzes applicant financial status and credit to determine feasibility of granting loan. Approves loan within established limits or refers to loan to loan committee for approval. Verifies loan agreements are complete and accurate according to policy. Requires a bachelor s degree in area of specialty and 1-3 years of experience in the field or in a related area. Familiar with standard concepts, practices, and procedures within a particular field. Relies on limited experience and judgment to plan and accomplish goals. Performs a variety of tasks. A certain degree of creativity and latitude is required. Typically reports to a manager. View Construction Loan Officer Salary

    Alternate Job Titles. Construction Lending Officer, Construction Loan Officer

    Responsible for soliciting and servicing a variety of commercial loans. Interviews applicants and recommends approval of customer applications for commercial loans. Analyzes applicant financial status and credit to determine feasibility of granting loan. Approves loan within established limits or refers loan to loan committee for approval. Verifies loan agreements are complete and accurate according to policy. Requires a bachelor s degree in area of specialty and 6-8 years of experience in the field or in a related area. Familiar with a variety of the field s concepts, practices, and procedures. Relies on experience and judgment to plan and accomplish goals. Performs a variety of tasks. May lead and direct the work of others. A wide degree of creativity and latitude is expected. Typically reports to a manager or head of a unit/department. View Commercial Loan Officer IV Salary

    Alternate Job Titles. Commercial Loan Officer IV

    Responsible for soliciting and servicing a variety of residential mortgage loans. Interviews applicants, collects financial data and documents, and makes recommendations regarding the loan products that best meet the borrower s needs. Assists buyers in the purchase process through closing. Requires a bachelor s degree in area of specialty and 1-3 years of experience in the field or in a related area. Familiar with standard concepts, practices, and procedures within a particular field. Relies on limited experience and judgment to plan and accomplish goals. Performs a variety of tasks. Works under general supervision. A certain degree of creativity and latitude is required. Typically reports to a manager or head of a unit/department. View Mortgage Loan Officer I Salary

    Alternate Job Titles. Mortgage Loan Officer I

    Responsible for soliciting and servicing a variety of residential mortgage loans. Interviews applicants, collects financial data and documents, and makes recommendations regarding the loan products that best meet the borrower s needs. Assists buyers in the purchase process through closing. Requires a bachelor s degree in area of specialty and 3-5 years of experience in the field or in a related area. Familiar with standard concepts, practices, and procedures within a particular field. Relies on experience and judgment to plan and accomplish goals. Performs a variety of tasks. Works under general supervision. A certain degree of creativity and latitude is required. Typically reports to a manager or head of a unit/department. View Mortgage Loan Officer II Salary

    Alternate Job Titles. Mortgage Loan Officer II

    Responsible for soliciting and servicing a variety of residential mortgage loans. Interviews applicants, collects financial data and documents, and makes recommendations regarding the loan products that best meet the borrower s needs. Assists buyers in the purchase process through closing. Requires a bachelor s degree and at least 5 years of experience in the field or in a related area. Familiar with a variety of the field s concepts, practices, and procedures. Relies on experience and judgment to plan and accomplish goals. Performs a variety of tasks. A wide degree of creativity and latitude is expected. Typically reports to a manager or head of a unit/department. View Mortgage Loan Officer III Salary

    Alternate Job Titles. Mortgage Loan Officer III

    Responsible for soliciting and servicing a variety of commercial loans. Interviews applicants and recommends approval of customer applications for commercial loans. Analyzes applicant financial status and credit to determine feasibility of granting loan. Approves loan within established limits or refers loan to loan committee for approval. Verifies loan agreements are complete and accurate according to policy. Requires a bachelor s degree in area of specialty and 4-6 years of experience in the field or in a related area. Familiar with a variety of the field s concepts, practices, and procedures. Relies on experience and judgment to plan and accomplish goals. Performs a variety of tasks. A wide degree of creativity and latitude is expected. Typically reports to a manager or head of a unit/department. View Commercial Loan Officer III Salary

    Alternate Job Titles. Commercial Loan Officer III, Senior Commercial Loan Officer

    Responsible for soliciting and servicing a variety of commercial loans. Interviews applicants and recommends approval of customer applications for commercial loans. Analyzes applicant financial status and credit to determine feasibility of granting loan. Approves loan within established limits or refers loan to loan committee for approval. Verifies loan agreements are complete and accurate according to policy. Requires a bachelor s degree in area of specialty and 1-3 years of experience in the field or in a related area. Familiar with standard concepts, practices, and procedures within a particular field. Relies on limited experience and judgment to plan and accomplish goals. Performs a variety of tasks. Works under general supervision. A certain degree of creativity and latitude is required. Typically reports to a manager or head of a unit/department. View Commercial Loan Officer I Salary

    Alternate Job Titles. Commercial Loan Officer I, Entry Level Commercial Loan Officer

    Responsible for soliciting and servicing a variety of commercial loans. Interviews applicants and recommends approval of customer applications for commercial loans. Analyzes applicant financial status and credit to determine feasibility of granting loan. Approves loan within established limits or refers loan to loan committee for approval. Verifies loan agreements are complete and accurate according to policy. Requires a bachelor s degree in area of specialty and 3-4 years of experience in the field or in a related area. Familiar with a variety of the field s concepts, practices, and procedures. Relies on experience and judgment to plan and accomplish goals. Performs a variety of tasks. A wide degree of creativity and latitude is expected. Typically reports to a manager or head of a unit/department. View Commercial Loan Officer II Salary

    Alternate Job Titles. Commercial Loan Officer II, Intermediate Level Commercial Loan Officer

    Responsible for assessing outstanding loans and incoming loan applications in several community development areas. Identifies the most suitable lenders, and actively markets the lending programs to community members. Requires a bachelor s degree in area of specialty and 0-3 years of experience in the field or in a related area. Familiar with standard concepts, practices, and procedures within a particular field. Relies on limited experience and judgment to plan and accomplish goals. Performs a variety of tasks. Works under general supervision. A certain degree of creativity and latitude is required. Typically reports to a manager or head of a unit/department. View Community Development Loan Officer Salary

    Alternate Job Titles. Community Development Loan Officer, Loan Officer – Community Development


    Wisconsin Early Childhood Association #childhood, #early, #program, #more, #care, #work, #wisconsin, #education, #scholarship, #credit-based, #teachers,


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    Education for teachers. Success for programs.

    While working with young children, you influence the future. Let us help you further your own education so you can give them your best. T.E.A.C.H. Early Childhood® WISCONSIN provides higher education scholarships to professionals who work in regulated early childhood and school age care settings. Since its inception in 1999, T.E.A.CH. has provided more than 14,000 scholarships to over 8,000 early childhood teachers to attend credit-based courses.

    The T.E.A.C.H. Scholarshi p Program works to:

    • make credit-based education more affordable,
    • improve teacher compensation, and
    • retain teachers in early childhood settings by making work more rewarding.

    You’re not in it alone!

    As a scholarship recipient, you work in partnership with your sponsoring program and T.E.A.C.H. to pay for and complete college credits. Employers choose to participate in T.E.A.C.H. because of the program’s many benefits.

    T.E.A.C.H. has been shown to:

    • enhance educational qualifications of child care professionals
    • reduce the costs of staff turnover
    • increase teacher commitment

    T.E.A.C.H. Early Childhood® Wisconsin is a licensed program of Child Care Services Association, North Carolina and is funded by the Wisconsin Department of Children and Families.


    6 Major Problems With Selling on Amazon #how #to #sell #more #on #amazon


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    6 Major Problems With Selling on Amazon

    Updated March 23, 2017

    eBay was the only online selling platform for many years. Since its inception in 1996, millions of sellers around the world have bought and sold items with ease and confidence. Amazon entered the selling scene in the early 2000s, and people could use the platform to sell books, CDs, and DVDs. Over the years, Amazon has grown exponentially since 2012, opening numerous fulfillment centers around the world.

    As efficient and attractive as Amazon seems, it still has its problems.

    Problems With Selling on Amazon

    1. Barriers to entry. It isn t so simple just to jump on Amazon and start selling. As the platform has become inundated with sellers who don t follow the rules, Amazon has had to become more strict in allowing who can sell, and what can be sold. For example, sellers must be approved to sell clothing, shoes, handbags, automotive items, and many more types of inventory. The list of categories requiring approval keeps growing. And it isn t that easy to be approved. This doesn t happen on eBay. There are no barriers to entry and anyone can sell any item that isn t on eBay s restricted list.
    2. Amazon sellers only get their money every 2 weeks. When you sell an item on Amazon, payment is made by direct deposit to your checking account every 14 days. Amazon does not accept Paypal from buyers. That can be a real drag if you are using the revenue from your sales to purchase more inventory to sell. There are ways to work around the 2-week payment system, but you must apply and be approved to Amazon. With eBay, you can get paid every day, even multiple times a day.
    1. The competition isbrutal. Many Amazon sellers don t sell one of a kind items. They sell items purchased from wholesalers or suppliers in bulk. This begs the question, if you can buy it in bulk, then any number of other people can too, so why put yourself up against so much competition for the same items? Also, Amazon sellers use automated repricing software so their prices are continually adjusted to be the lowest price. With many sellers using repricers, the minute one sellers out-prices another, it sets off everyone s repricers and a downward pricing spiral begins. The only winner is the Amazon buyer who gets items really cheap. One of a kind items (like vintage, used, and thrift store items) have high profit margins. You may be the only person with a handmade Bucilla stocking or the only seller with a size 4 Anthropolgie dress in the right colors.
    1. It is difficult and time-consuming to build a positive feedback profile. You think eBay customers are bad about leaving feedback? Amazon customers are worse. Only about 1 in 30 buyers leaves feedback on Amazon, so you have to sell a lot of products to build up your feedback. About 1 in 3 eBay customers leave feedback.
    2. Your products can become restricted and unsellable at any time. Amazon works closely with manufacturers and brands. If a brand decides they don t want third party sellers listing items on Amazon, they can deem them restricted at any time. This happened to me numerous times on Amazon. For example, I was selling Dunkin Donuts coffee that I was purchasing at grocery stores and Target. I had about 40 bags in an FBA warehouse. One day I woke up and found an email that Amazon had partnered with Dunkin Donuts and third party sellers could no longer sell this brand. I had to pay to get the coffee out of the warehouse and sent back to me. Everyone got Dunkin Donuts coffee for Christmas that year — what else am I going to do with 40 bags of coffee?
    3. Amazon is complicated and expensive. Especially if you sell on the FBA program. Fulfillment by Amazon, is when you send your items to a warehouse and they sit there until a customer buys them, then Amazon ships the item. Learning the prep system isn t easy, and a lot can go wrong with damaged items, lost items, and other warehouse issues. Amazon fees are about 1/3 of the sale price of the item. which doesn t include the monthly fee of $39.99, and the ever increasing warehouse storage fees. eBay comes out to be about 15 percent of the sale price, so about half as much.

    As someone who has sold on eBay since 2003, and on Amazon from 2009 — 2013, I can attest that eBay is a better fit for me. I don t care for the rat race of competing against other sellers selling wholesale goods for razor thin margins. I also like to have my inventory with me where I can manage it — where I know things aren t going to be damaged and orders will be shipped on time. I also enjoy the thrill of the hunt for unusual or one of a kind items. eBay isn t for everyone, neither is Amazon. It is just a matter of determining which is a better fit for your particular business.

    Revised by Suzanne Wells on February 27, 2017.


    Loan Officer Salaries by education, experience, location and more #apr


    #mortgage loan officer

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    Loan Officer Salary

    Identifies and assists prospective clients in the loan application process. Verifies applications and approves loans. May require a bachelor s degree or its equivalent with at 2 years of experience in the field. Familiar with standard concepts, practices, and procedures within a particular field. Relies on experience and judgment to plan and accomplish goals. Performs a variety of complicated tasks. Typically reports to a supervisor/manager. A limited degree of creativity and latitude is expected. View Loan Officer/Counselor Salary

    Alternate Job Titles. Loan Officer/Counselor

    Responsible for soliciting and servicing construction loans. Interviews applicants and recommends approval of customer applications for construction loans. Analyzes applicant financial status and credit to determine feasibility of granting loan. Approves loan within established limits or refers to loan to loan committee for approval. Verifies loan agreements are complete and accurate according to policy. Requires a bachelor s degree in area of specialty and 1-3 years of experience in the field or in a related area. Familiar with standard concepts, practices, and procedures within a particular field. Relies on limited experience and judgment to plan and accomplish goals. Performs a variety of tasks. A certain degree of creativity and latitude is required. Typically reports to a manager. View Construction Loan Officer Salary

    Alternate Job Titles. Construction Lending Officer, Construction Loan Officer

    Responsible for soliciting and servicing a variety of commercial loans. Interviews applicants and recommends approval of customer applications for commercial loans. Analyzes applicant financial status and credit to determine feasibility of granting loan. Approves loan within established limits or refers loan to loan committee for approval. Verifies loan agreements are complete and accurate according to policy. Requires a bachelor s degree in area of specialty and 6-8 years of experience in the field or in a related area. Familiar with a variety of the field s concepts, practices, and procedures. Relies on experience and judgment to plan and accomplish goals. Performs a variety of tasks. May lead and direct the work of others. A wide degree of creativity and latitude is expected. Typically reports to a manager or head of a unit/department. View Commercial Loan Officer IV Salary

    Alternate Job Titles. Commercial Loan Officer IV

    Responsible for soliciting and servicing a variety of residential mortgage loans. Interviews applicants, collects financial data and documents, and makes recommendations regarding the loan products that best meet the borrower s needs. Assists buyers in the purchase process through closing. Requires a bachelor s degree in area of specialty and 1-3 years of experience in the field or in a related area. Familiar with standard concepts, practices, and procedures within a particular field. Relies on limited experience and judgment to plan and accomplish goals. Performs a variety of tasks. Works under general supervision. A certain degree of creativity and latitude is required. Typically reports to a manager or head of a unit/department. View Mortgage Loan Officer I Salary

    Alternate Job Titles. Mortgage Loan Officer I

    Responsible for soliciting and servicing a variety of residential mortgage loans. Interviews applicants, collects financial data and documents, and makes recommendations regarding the loan products that best meet the borrower s needs. Assists buyers in the purchase process through closing. Requires a bachelor s degree in area of specialty and 3-5 years of experience in the field or in a related area. Familiar with standard concepts, practices, and procedures within a particular field. Relies on experience and judgment to plan and accomplish goals. Performs a variety of tasks. Works under general supervision. A certain degree of creativity and latitude is required. Typically reports to a manager or head of a unit/department. View Mortgage Loan Officer II Salary

    Alternate Job Titles. Mortgage Loan Officer II

    Responsible for soliciting and servicing a variety of residential mortgage loans. Interviews applicants, collects financial data and documents, and makes recommendations regarding the loan products that best meet the borrower s needs. Assists buyers in the purchase process through closing. Requires a bachelor s degree and at least 5 years of experience in the field or in a related area. Familiar with a variety of the field s concepts, practices, and procedures. Relies on experience and judgment to plan and accomplish goals. Performs a variety of tasks. A wide degree of creativity and latitude is expected. Typically reports to a manager or head of a unit/department. View Mortgage Loan Officer III Salary

    Alternate Job Titles. Mortgage Loan Officer III

    Responsible for soliciting and servicing a variety of commercial loans. Interviews applicants and recommends approval of customer applications for commercial loans. Analyzes applicant financial status and credit to determine feasibility of granting loan. Approves loan within established limits or refers loan to loan committee for approval. Verifies loan agreements are complete and accurate according to policy. Requires a bachelor s degree in area of specialty and 4-6 years of experience in the field or in a related area. Familiar with a variety of the field s concepts, practices, and procedures. Relies on experience and judgment to plan and accomplish goals. Performs a variety of tasks. A wide degree of creativity and latitude is expected. Typically reports to a manager or head of a unit/department. View Commercial Loan Officer III Salary

    Alternate Job Titles. Commercial Loan Officer III, Senior Commercial Loan Officer

    Responsible for soliciting and servicing a variety of commercial loans. Interviews applicants and recommends approval of customer applications for commercial loans. Analyzes applicant financial status and credit to determine feasibility of granting loan. Approves loan within established limits or refers loan to loan committee for approval. Verifies loan agreements are complete and accurate according to policy. Requires a bachelor s degree in area of specialty and 1-3 years of experience in the field or in a related area. Familiar with standard concepts, practices, and procedures within a particular field. Relies on limited experience and judgment to plan and accomplish goals. Performs a variety of tasks. Works under general supervision. A certain degree of creativity and latitude is required. Typically reports to a manager or head of a unit/department. View Commercial Loan Officer I Salary

    Alternate Job Titles. Commercial Loan Officer I, Entry Level Commercial Loan Officer

    Responsible for soliciting and servicing a variety of commercial loans. Interviews applicants and recommends approval of customer applications for commercial loans. Analyzes applicant financial status and credit to determine feasibility of granting loan. Approves loan within established limits or refers loan to loan committee for approval. Verifies loan agreements are complete and accurate according to policy. Requires a bachelor s degree in area of specialty and 3-4 years of experience in the field or in a related area. Familiar with a variety of the field s concepts, practices, and procedures. Relies on experience and judgment to plan and accomplish goals. Performs a variety of tasks. A wide degree of creativity and latitude is expected. Typically reports to a manager or head of a unit/department. View Commercial Loan Officer II Salary

    Alternate Job Titles. Commercial Loan Officer II, Intermediate Level Commercial Loan Officer

    Responsible for assessing outstanding loans and incoming loan applications in several community development areas. Identifies the most suitable lenders, and actively markets the lending programs to community members. Requires a bachelor s degree in area of specialty and 0-3 years of experience in the field or in a related area. Familiar with standard concepts, practices, and procedures within a particular field. Relies on limited experience and judgment to plan and accomplish goals. Performs a variety of tasks. Works under general supervision. A certain degree of creativity and latitude is required. Typically reports to a manager or head of a unit/department. View Community Development Loan Officer Salary

    Alternate Job Titles. Community Development Loan Officer, Loan Officer – Community Development


    American Advisors Group (AAG) Review 2016 – Complaints – More #simple #mortgage #calculator


    #aag reverse mortgage

    #

    Reverse Mortgage Alert

    American Advisors Group (AAG) Review

    All About AAG Reverse Mortgage

    American Advisors Group, also known as AAG, is the leading reverse mortgage lender in the nation.

    Founded in 2004 and headquartered in Orange County, CA, AAG works with homeowners age 62 and older to convert a portion of their home equity into retirement income using a reverse mortgage. American Advisors Group is dedicated to helping older Americans live a more financially stable life in retirement. The company attributes its success to a unique culture of caring and a sharp focus on customer service. As evidence of this unique culture, AAG has ranked as an Orange County Register Top Workplace for three consecutive years.

    As the leading brand in the industry, AAG is proud of its relationship with award-winning actor Tom Selleck. who joined AAG as the company s national spokesperson in 2016. Selleck works with AAG to inform older Americans about the importance of home equity and how a reverse mortgage can be used as a tool as part of a comprehensive retirement strategy. This role was previously filled by actor Pete Graves and former senator Fred Thompson.

    Company Facts and Figures

    • Number of employees:

    1000 associates

  • Licensed reverse mortgage lender in 49 U.S. states
  • Originates more than twice the loan volume of any other U.S. lender in the industry
  • A+ rating by the Better Business Bureau
  • 96 percent customer satisfaction rating, based on customer surveys (June 2013-May 2016)
  • Proud and active member of the National Reverse Mortgage Lenders Association (NRMLA)
  • Customer Reviews

    Like many companies, AAG also hosts a page on their website that displays a sampling of their recent customer surveys with verification provided by a third party. Unlike most other reverse mortgage lenders, we were able to find a high volume of customer reviews on the Internet. A majority of AAG customer reviews are positive, working out to be about 4-4.5 stars.

    • TrustPilot.com: 4 out of 5 stars/8.3 TrustScore
    • Consumeraffairs.com: 4.5/5 stars
    • Yelp.com: 4.5/5 stars

    Further, as of this writing, American Advisors Group has an A+ rating from the Better Business Bureau, a very positive sign.

    AAG Statistics

    As we mentioned, AAG is one of the largest reverse mortgage lenders in the country. To help put this in perspective, here is a table of total loans originated and the total maximum claim amount on these loans for the past two years: