Union Plus Mortgage – Wells Fargo Home Mortgages for Union Members #home #loan #rate


#wells mortgage rates

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Mortgages for Union Families

Buying a home

The Union Plus® Mortgage program, with financing available through Wells Fargo Home Mortgage, can help you purchase a home while also receiving special benefits by virtue of your union membership.

For qualifying members, special benefits include a $500 My Mortgage Gift SM award 1 from Wells Fargo Home Mortgage and, from Union Plus, special hardship assistance and the opportunity to earn a $500 First-Time Home Award .

The $500 First-Time Home Award will be discontinued on 10/31/16. In order to be eligible, you must have closed on your purchase loan by 12/31/16. Additionally, you will need to apply for the award within 90 days of your closing date.

$1,000 Mortgage Veterans Grant program for union members who’ve served in the U.S. armed forces.

How the “Welcome to Your First-Home Award” works:

If you’re an active or retired union member and used Union Plus Mortgage to purchase your first home, we’d like to hear from you. Share your story by completing an application and providing us a short, written description of your experience with the Union Plus Mortgage process and what owning your first home means to you. As a token of appreciation for your story, we’ll send you a check for $500* .

If you’re unable to download the application and need one mailed to you, please call 1-800-472-2005, ext. 836, to request an application by mail.

*Normal processing time for award checks is 60-90 days after we receive a complete application package.

How the “Union Plus Mortgage Veterans Grant” works:

If you’re a veteran of the United States Armed Forces and an active or retired union member, who obtained a Union Plus Mortgage through Wells Fargo to finance your primary residence after October 31, 2014, you’re eligible to apply for this special $1,000 grant*. Funding is limited so apply today.

If you’re unable to download the application and need one mailed to you, please call 1-800-472-2005, ext. 836, to request an application by mail.

*Normal processing time for award checks is 60-90 days after we receive a complete application package.

Refinancing a home

Looking to refinance? The Union Plus Mortgage program, with financing from Wells Fargo Home Mortgage, might be able to help you lower your monthly mortgage payments and/or shorten your loan term.

The program provides a broad range of financing options to help meet the needs of most borrowers — and when you refinance, you’ll receive a $500 My Mortgage Gift SM award from Wells Fargo Home Mortgage after closing. 1 You’ll also be eligible for special hardship assistance from Union Plus .

Call Union Plus at (866) 802-7307.

Who is eligible?

  • All dues-paying labor union members
  • Union member retirees
  • Spouse and domestic partners of union members
  • Parents and children of union members
  • Alliance for Retired Americans members who are retired union members are eligible

Mortgage loans are available in the United States only and currently not available in Canada, Guam, Puerto Rico or Virgin Islands.

  • ONLY current/retired union members are eligible for the Welcome to Your First Home Award
  • ONLY current/retired union members, their spouses, parents and children are eligible for the Union Plus mortgage assistance program

Peace of mind with unique union assistance

When you buy or refinance a home through the Union Plus Mortgage program and experience income loss, turn to Union Plus mortgage assistance. The program provides interest-free loans and grants to help you make mortgage payments when you’re disabled, unemployed, locked out, or on strike.

Over the life of the Union Plus mortgage assistance program, we’ve provided more than $11 million in assistance to union members. Check details and eligibility for loan/grant assistance here. Note: The first $1,000 is a grant that does not need to be repaid.

For questions about the Union Plus mortgage assistance program, call 1-800-472-2005.

Other resources for ALL union members:

  • Federal government’s Home Affordable Refinance Program (HARP)
  • Worried about falling behind on your mortgage payments? The Union Plus Save My Home Hotline may be able to help. Don’t wait until you’re facing foreclosure – call 1-866-490-5361, any time day or night
  • For free budgeting and credit counseling advice, click here or call Money Management International (MMI), the Union Plus Credit Counseling provider at 1-877-833-1745
  • Access free bankruptcy counseling services from Union Plus Credit Counseling
  • And find more debt-reducing resources and tools at UnionPlus.org/CreditClinic

Union leaders: resources for your members

For questions about your Union Plus mortgage, contact:

Wells Fargo customer service
1-800-222-0238
Mon-Fri: 6am-10pm; Sat: 8am-2pm CT

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. NMLSR ID 399801.

  1. Eligible individuals can receive the Wells Fargo My Mortgage Gift SM promotion approximately 6 weeks after closing on a new purchase or refinance loan secured by a first mortgage or deed of trust with Wells Fargo Home Mortgage (“New Loan”), subject to qualification, approval and closing, when identifying themselves as eligible. The My Mortgage Gift SM promotion is not available with any Wells Fargo Three-Step Refinance SYSTEM ® program, The Relocation Mortgage Program ® or to any Wells Fargo team member. Only one award permitted per new loan. This promotion cannot be combined with any other promotion, discount or rebate except yourFirst Mortgage SM. This promotion is void where prohibited, transferable, and subject to change or cancellation with no prior notice. Awards may constitute taxable income. Federal, state and local taxes, and any use of the award not otherwise specified in the Terms and Conditions provided at receipt of award are the sole responsibility of the My Mortgage Gift SM recipient. Please see Terms and Conditions document for more information.

Wells Fargo Home Mortgage has a services agreement with Union Privilege in which Union Privilege receives a financial benefit for providing agreed upon services. You are encouraged to shop around to ensure you are receiving the best services and the best rate for your home financing needs.


CashCall to refund $125 on thousands of personal loans in California – Kathleen Pender –


#cash call mortgage

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CashCall to refund $125 on thousands of personal loans in California

In June, the department alleged that CashCall violated the California Finance Lenders Law when it made and serviced certain personal loans. It said it would seek to suspend CashCall’s licenses issued under that law, which would have halted the company’s lending business in California. Based in Orange, CashCall also makes mortgage and small business loans.

CashCall used “deceptive sales pitches and marketing practices to dupe consumers into taking out personal loans of $2,500 or more even though the customers didn’t need or want to borrow that much money,” the department said in a press release Thursday.

State law does not limit the interest rate lenders can charge on loans of $2,500 or more. On loans below that amount, it generally caps the interest rate at about 30 percent.

In ads, CashCall said it provided personal loans of “up to” $2,600, $5,000 or $10,000. But when consumers called or visited CashCall’s website, they were told the firm did not make loans of less than $2,600,” the department alleged.

If consumers said they wanted a loan for less than $2,600, CashCall allegedly told them they could just give back the amount they did not want in the form of a prepayment, which would net them substantial savings on interest payments. However, CashCall failed to tell consumers that since the loan was for $2,600, it could charge unlimited interest rates. On the loans at issue, CashCall typically charged annual rates of 135 percent to 179 percent, the department said.

In addition, the department alleged that CashCall often failed to withdraw scheduled monthly payments from customers’ bank accounts, which lengthened the loan term and reduced any interest savings they could have gotten from a prepayment.

Under the settlement, the department will no longer seek to suspend the company’s licenses. In return, CashCall will rebate $125 on certain loans, pay the department $1 million in costs and penalties and change certain business practices.

The company must identify all non-mortgage loans made to California borrowers between Jan. 1, 2008 and Aug. 31, 2014 in which:

(1) a prepayment was authorized by the borrower within 14 days of the funding date,

(2) the borrower had sufficient funds to make the prepayment when withdrawn; and

(3) following the prepayment, CashCall failed to apply one or more of the first three scheduled monthly payments to the loan balance.

These loans will be eligible for the $125 refund, which can be paid in cash or applied to an outstanding loan balance. One borrower could get more than one payment if he or she had more than one loan that meets all the criteria.

The first criteria above is designed to identify borrowers who wished to borrow less than $2,600, said Tom Dresslar, a spokesman for the department. However, these borrowers will not be eligible for a refund unless CashCall also failed to apply one of their first three payments.

That means some borrowers who got roped into a bigger loan than they wanted will not get restitution. That’s because “the law doesn’t really allow us in this case to get them (CashCall) for evading the interest rate caps,” Dresslar said. Instead, the department had to go after the “overall scheme” and failure to apply payments.

The department guessed that 5,000 to 10,000 California borrowers could get payments, but that is a very ballpark estimate, Dresslar said. CashCall will be responsible for finding borrowers and making the payments.

CashCall will also change certain advertising and business practices on non-mortgage, non-auto loans, including making it clear that its minimum loan amount is $2,600.

Neither CashCall nor its attorney returned calls seeking comment.

This is not the first time CashCall has gotten in trouble with regulators. In October, Iowa revoked CashCall’s state lending license and ordered it to pay compensation for more than 3,400 illegal loans made to Iowa borrowers.

I n December 2013, the Consumer Financial Protection Bureau alleged that CashCall and its affiliates engaged in unfair, deceptive, and abusive practices, including illegally debiting consumer checking accounts for loans that were void. It said that the companies violated licensing requirements or interest-rate caps in at least eight states: Arizona, Arkansas, Colorado, Indiana, Massachusetts, New Hampshire, New York, and North Carolina.


Loan*Calculator! Plus by Pine Grove Software #liberty #mortgage


#amortization loan calculator

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Loan*Calculator! Plus, For Easy Loan Analysis

Loan*Calculator! Plus v3.0 includes nine free, easy-to-use financial calculators in one Windows software program. Designed to complement our online loan calculator and other free, online calculators. we think you’ll find this program to be a very handy collection of calculators to have on your computer when you don’t necessarily want to connect to the internet.

Please see this financial calculator list for a one or two sentence description of each calculator, or you click on any of the calculators below for a more detailed description and screen shot.

* Indicates new calculator in v3.0.

The program is easy to use. Just start it up, select a calculator and answer the questions by filling in the-blanks. Click on the [CALC] button and you’ll have an instant answer to your question. The results from any calculator can be copied and pasted to any other program including email or printed on any printer. Additionally, you can run multiple instances of a calculator in order to make fast, side-by-side comparisons.

We’ve also included an easy uninstall option in the event that you try this program and decide that it is not to your liking. Loan*Calculator! Plus fully supports Windows Add/Remove program feature.

Loan*Calculator! Plus is FREE for personal use. There are no strings attached. No time limits. No restrictions for noncommercial use. If you plan to use the program for business purposes (including not for profit) we request that you download and try AmortizeIT. The Complete Loan Solution . AmortizeIT! costs only $49.95 and it includes a much more flexible amortization schedule. When the fee is paid, you will be entitled to toll-free technical support and discounted updates.


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


Union Plus Mortgage – Wells Fargo Home Mortgages for Union Members #getting #a #mortgage


#wells mortgage rates

#

Mortgages for Union Families

Buying a home

The Union Plus® Mortgage program, with financing available through Wells Fargo Home Mortgage, can help you purchase a home while also receiving special benefits by virtue of your union membership.

For qualifying members, special benefits include a $500 My Mortgage Gift SM award 1 from Wells Fargo Home Mortgage and, from Union Plus, special hardship assistance and the opportunity to earn a $500 First-Time Home Award .

The $500 First-Time Home Award will be discontinued on 10/31/16. In order to be eligible, you must have closed on your purchase loan by 12/31/16. Additionally, you will need to apply for the award within 90 days of your closing date.

$1,000 Mortgage Veterans Grant program for union members who’ve served in the U.S. armed forces.

How the “Welcome to Your First-Home Award” works:

If you’re an active or retired union member and used Union Plus Mortgage to purchase your first home, we’d like to hear from you. Share your story by completing an application and providing us a short, written description of your experience with the Union Plus Mortgage process and what owning your first home means to you. As a token of appreciation for your story, we’ll send you a check for $500* .

If you’re unable to download the application and need one mailed to you, please call 1-800-472-2005, ext. 836, to request an application by mail.

*Normal processing time for award checks is 60-90 days after we receive a complete application package.

How the “Union Plus Mortgage Veterans Grant” works:

If you’re a veteran of the United States Armed Forces and an active or retired union member, who obtained a Union Plus Mortgage through Wells Fargo to finance your primary residence after October 31, 2014, you’re eligible to apply for this special $1,000 grant*. Funding is limited so apply today.

If you’re unable to download the application and need one mailed to you, please call 1-800-472-2005, ext. 836, to request an application by mail.

*Normal processing time for award checks is 60-90 days after we receive a complete application package.

Refinancing a home

Looking to refinance? The Union Plus Mortgage program, with financing from Wells Fargo Home Mortgage, might be able to help you lower your monthly mortgage payments and/or shorten your loan term.

The program provides a broad range of financing options to help meet the needs of most borrowers — and when you refinance, you’ll receive a $500 My Mortgage Gift SM award from Wells Fargo Home Mortgage after closing. 1 You’ll also be eligible for special hardship assistance from Union Plus .

Call Union Plus at (866) 802-7307.

Who is eligible?

  • All dues-paying labor union members
  • Union member retirees
  • Spouse and domestic partners of union members
  • Parents and children of union members
  • Alliance for Retired Americans members who are retired union members are eligible

Mortgage loans are available in the United States only and currently not available in Canada, Guam, Puerto Rico or Virgin Islands.

  • ONLY current/retired union members are eligible for the Welcome to Your First Home Award
  • ONLY current/retired union members, their spouses, parents and children are eligible for the Union Plus mortgage assistance program

Peace of mind with unique union assistance

When you buy or refinance a home through the Union Plus Mortgage program and experience income loss, turn to Union Plus mortgage assistance. The program provides interest-free loans and grants to help you make mortgage payments when you’re disabled, unemployed, locked out, or on strike.

Over the life of the Union Plus mortgage assistance program, we’ve provided more than $11 million in assistance to union members. Check details and eligibility for loan/grant assistance here. Note: The first $1,000 is a grant that does not need to be repaid.

For questions about the Union Plus mortgage assistance program, call 1-800-472-2005.

Other resources for ALL union members:

  • Federal government’s Home Affordable Refinance Program (HARP)
  • Worried about falling behind on your mortgage payments? The Union Plus Save My Home Hotline may be able to help. Don’t wait until you’re facing foreclosure – call 1-866-490-5361, any time day or night
  • For free budgeting and credit counseling advice, click here or call Money Management International (MMI), the Union Plus Credit Counseling provider at 1-877-833-1745
  • Access free bankruptcy counseling services from Union Plus Credit Counseling
  • And find more debt-reducing resources and tools at UnionPlus.org/CreditClinic

Union leaders: resources for your members

For questions about your Union Plus mortgage, contact:

Wells Fargo customer service
1-800-222-0238
Mon-Fri: 6am-10pm; Sat: 8am-2pm CT

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. NMLSR ID 399801.

  1. Eligible individuals can receive the Wells Fargo My Mortgage Gift SM promotion approximately 6 weeks after closing on a new purchase or refinance loan secured by a first mortgage or deed of trust with Wells Fargo Home Mortgage (“New Loan”), subject to qualification, approval and closing, when identifying themselves as eligible. The My Mortgage Gift SM promotion is not available with any Wells Fargo Three-Step Refinance SYSTEM ® program, The Relocation Mortgage Program ® or to any Wells Fargo team member. Only one award permitted per new loan. This promotion cannot be combined with any other promotion, discount or rebate except yourFirst Mortgage SM. This promotion is void where prohibited, transferable, and subject to change or cancellation with no prior notice. Awards may constitute taxable income. Federal, state and local taxes, and any use of the award not otherwise specified in the Terms and Conditions provided at receipt of award are the sole responsibility of the My Mortgage Gift SM recipient. Please see Terms and Conditions document for more information.

Wells Fargo Home Mortgage has a services agreement with Union Privilege in which Union Privilege receives a financial benefit for providing agreed upon services. You are encouraged to shop around to ensure you are receiving the best services and the best rate for your home financing needs.


2015 Mortgage Rate Predictions from 3 Expert Sources, Plus Our View #jumbo #mortgage


#mortgage rate predictions

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2015 Mortgage Rate Predictions from 3 Expert Sources

Editor s note: This article is a living document that will be edited and updated as new mortgage-rate forecasts and data become available over the coming months.

I know what you re thinking. It s only September, and already we re offering mortgage predictions and projections for 2015. But it s never too early to start projecting. In fact, statistics show that most mortgage shoppers start researching the market months before they actually close on a loan. So with that kind of advanced research in mind, we have rounded up some 2015 mortgage rate projections and forecasts from a variety of expert sources.

Here are the predictions at a glance:

  • Freddie Mac expects the average rate for a 30-year fixed mortgage to reach 5% by the end of 2015.
  • The Mortgage Bankers Association also expects to see 5% averages by the end of next year.
  • Lawrence Yun, chief economist for the National Association of Realtors, forecasts a gradually rising trend with the 30-year fixed rate averaging 5.5 percent in 2015.
  • Economist Dr. Bill Conerly expects the 30-year average to climb even higher next year, perhaps reaching 6% by year s end.
  • The Home Buying Institute s projections are on the lower side, matching the 5% outlook offered by Freddie Mac and MBA.

2015 Mortgage Rate Predictions from Freddie Mac, MBA

Freddie Mac, the government-controlled mega company that buys and sells mortgage-backed securities, runs a weekly survey of the lending industry that dates back to 1971. According to their survey archives, 30-year home loan rates dropped from 4.53% at the beginning of this year to 4.10% by September 1, 2014 (when this article was published). But their 2015 forecast for 30-year fixed mortgage rates calls for a gradual rise. as shown in the table below. As a result, home buyers and refinancing homeowners could encounter higher interest charges in 2015 compared to this year.

Notes. The table above shows Freddie Mac s rate forecast for 2015. It is based on their economists analysis of current trends within the housing market, the lending industry, and the broader economy. According to a company press release, we expect to see rates rise as the economy strengthens. At the end of 2015, we expect to see the 30-year fixed mortgage around five percent. That would be a gradual increase over the coming months, as seen in the projection table above.

The Mortgage Bankers Association (MBA) also provides long-term outlooks and forecasts in this area. And their chart looks nearly identical to the one shown above. They also expect the average to rise to 5% through the end of next year.

Dr. Bill Conerly, economist and senior fellow at the National Center for Policy Analysis. expects the 30-year average to rise even higher next year. In an article for Forbes magazine, Conerly wrote: Long-term mortgage rates get up to around six percent by the end of 2015, but that s not deadly to the economy. The interest changes are the result of stronger economic growth.

Home Buying Institute s Forecast for 30-Year Mortgage

Here at HBI, we expect rates to rise only gradually between now and the end of 2015. Some of the more dramatic predictions for next year have been linked to the Federal Reserve, and the fact that they are winding down their Quantitative Easing (QE) economic stimulus program. But we feel this will have only a minimal impact on mortgage rates, going forward.

In the past, many economists and analysts predicted a sharper rise in long-term interest rates, as the Federal Reserve began to scale back its bond-buying stimulus program. But the Fed started reducing their bond purchases months ago, and it did not have the predicted effect.

In fact, the benchmark 30-year mortgage rate actually dropped in the months following the Fed s initial scale-down in stimulus. The 30-year average was 43 basis points (0.43%) lower at the end of 2014 than at the beginning of that year, when the stimulus was going strong. So we do not expect any sharp upturns in the near future, despite the ongoing reduction in stimulus.

The Fed is expected to continue winding down its stimulus program, and ultimately end it some time in 2015. Based on what we ve seen this year, we expect their policy shift to have only a negligible impact on long-term interest rates next year. Thus, our 2015 mortgage rate prediction / projection mirrors the (lower) one offered by Freddie Mac and MBA, as opposed to the higher estimates offered by other analysts.

Additionally, the U.S. economy is growing at a very modest pace right now. Long-term interest rates tend to rise during periods of significant economic improvement (i.e. when things are going really well). But our economy still shows signs of weakness and sluggishness. So it probably won t have much of a lifting effect on mortgage rates as we head into 2015.

Bottom line. Home buyers and homeowners who are in the market for a mortgage loan next year probably have little to worry about, as far as rising rates go. They will likely rise through the end of 2015, but only gradually.

Beating the Averages for a Better Deal

The 2015 mortgage rate forecasts above are based on industry-wide averages and trends. For instance, Freddie Mac s weekly survey of the lending industry is based on average rates reported by 125 survey respondents (lenders) from across the U.S. But mortgage pricing is highly individualized:

  • A borrower who is considered to be well qualified could secure a below-average interest rate. These are people with excellent credit, steady income, and low debt levels in relation to their total household income.
  • On the contrary, a marginally qualified borrower (lower credit score, higher debt ratio, etc.) would likely pay more in interest.

A borrower could potentially land a better rate by achieving a higher credit score, putting more money down, or even paying points at closing. The type of home loan being used also plays a role.

Disclaimer: This story contains forward-looking statements relating to the housing market, lending industry, and broader economy. Interest rate projections are based on trends that can change over time. As a result, they may prove to be inaccurate over the long term. The 2015 mortgage predictions and forecasts presented are the equivalent of an educated guess. They should not be viewed as facts or certainties. We make no guarantees about future trends or conditions within the housing or mortgage industry.

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Business Internet, Phone Services & Networking #charter #business #phone #plus


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Charter Business is now Spectrum Business

Limited time offer; subject to change. Qualified business customers only. Must not have subscribed to applicable services within the previous 30 days and have no outstanding obligation to Charter. *Bundle price is $69.98 for Spectrum Business Internet and Spectrum Business Voice for 12 months includes Spectrum Business Internet Plus with 100Mbps download speeds, web hosting, email addresses, desktop security, cloud backup, plus one business phone line with calling features and unlimited local and long distance within the U.S. Puerto Rico, and Canada. Standard rates apply after promotion. Charter Internet modem is required included in price; Internet taxes, fees, surcharges are included in price (except TX and WI); $29.99 Phone price includes taxes, fees, surcharges. Other phone services may have applicable taxes and fees. Installation and other equipment taxes and fees may apply. Actual speeds may vary. **Spectrum Business TV offer is for 12 months when bundled with Internet or Voice includes Business Class TV with 40+ channels including local broadcast channels. TV equipment required and is extra. Applicable TV taxes and fees may apply. Number of channels may vary. Installation and other equipment taxes and fees may apply. Speed comparison between Spectrum Business Internet Plus with 100Mbps and AT T U-verse Business Edition Elite (downloads only) in Spectrum markets as of February 4, 2015. ^Price comparison based on AT T U-verse High Speed Internet Business Edition Elite and three AT T Phone lines with Local Long Distance Unlimited, as indicated on att.com on February 25, 2015, plus estimated taxes and fees. Phone feature comparison based on features listed in AT T’s All In One Enhanced on att.com as of 6/26/13 vs. Spectrum Business Voice with complete feature pack. ***Spectrum WiFi only available to qualifying businesses. Services are subject to applicable service terms conditions, which are subject to change. Services not available in all areas. Restrictions apply. Call for details. 2017 Charter Communications.

Get More Spectrum Business Info

Complete the information below to be contacted by a Spectrum Business representative.


DISH Network LNBs Legacy DishPro Plus #dish, #network, #lnb, #pro, #plus, #legacy


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Dish Network Switch Technologies
Legacy, Dish Pro (DP)and Dish Pro Plus (DPP)

Over the years Dish Network has created several new technologies to expand the installation options of Dish Network Receivers. First we must go back to the beginning of the Direct Broadcast Satellite (DBS) dish industry.

The term legacy refers to the first methods used to send satellite signals from the dish to the receiver. In the beginning DBS Satellites such as those used by both Dish Network and DirecTV only transmitted either odd or even transponders. Each transponders carries as many as 20 individual channels. A transponder is best thought of as a cluster of channels.

When a transponder is broadcasted from the satellite each transponder needs a specific amount of clear frequency space on both sides of the main transponder frequency. This is called bandwidth. Any other signals transmitted with in that bandwidth space will interfere with the main signal. With DBS Satellite the frequency 12.224 GHz is Transponder 1. Transponder 3 is 12.253, TP 5 is 12.228, and so forth all the way to TP 31. Each transponder is separated by 29 Mhz(rounded off). Each Satellite Transponder needs .29 GHz or 29 MHz of bandwidth.

Transponder 2 on DBS Satellites is 12.239 GHz, only about 15 MHz away from both transponders 1 and 3. To avoid interference between the Odd and Even transponders. Satellites broadcast the odd and even transponders in different polarities. They use either Left Hand Circular Polarization (LHCP) or Right Hand Circular Polarization (RHCP). Think of a cork screw twisting towards the left or the right. If a LNB is set to receive Left Hand Polarity, then it will not receiver the Right Hand Polarity signals. This isolation of signals allows for the simultaneous use of both odd and even transponders without interference between them. DBS Satellites use Left Hand Polarization for Even transponders and Right-Hand Polarization for odd transponders.

To control the LNB for reception of either LHCP or RHCP, the receivers changed the voltage sent down the coax to the LNB. This is called voltage switching polarity. All Dish Network receivers use Voltage Switching Polarity when in legacy mode. Older legacy only receivers only work in this manner.

The limitations of this method become obvious when you wish to distribute satellite signals from a dish/LNB to several receivers. You must run a cable from each receiver to the LNB. Early LNB’s only had two ports. To expand the number of receivers, special switches are required. These switches have two cables connected to the LNB ports and up to 16 spots for receivers. These switches are most often called by their input/output abilities. 2 in, 4 out became a 2 by 4 switch. A 2 in, 8 out became 2 by 8 switch

To accommodate the need for TV antenna signals, a third port is sometimes added. Using diplexors, an installer could use a single coax to carry both the satellite signal and local off-air channels from a roof top TV antenna. This third port changes the names of the switches to 3 by 4 switch.

When Dish Network started using a satellite dish which received signals from two locations, such as the Dish 500, another type of switch was created. The 2 in 1 out (SW21), and the 4 in 2 out (SW42) switch allowed a DISH receiver to control a switch that selected either one of two satellites. Think of these multi-sat switches as electronically controlled A/B switches. Soon after, DISH released the legacy Twin 500 and the legacy Quad. This LNB’s incorporated two LNB and internal switches, eleminated the need for external switches.

The problem with using a Dish 500 with more than four receivers was the number of devices needed. Going beyond four receivers per dish came an exercise in the use of splitters, jumpers and more switches. Possible but not very pretty, and subject to increased signal loss. This meant short cable runs between all devices. A new method was needed to transfer the signals between satellite and receiver when using the Dish 500.

The Dish Pro (DP) LNB was created. Based on band stacking technology but enhanced with internal multi-sat capabilities, the DP LNB takes the odd and even transponders and brings them both to the receiver at the same time. Instead of the receiver switching voltage to indicate which polarity was needed, the receiver had access to all transponders. This had two advantages and one disadvantage. The first advantage was the ability to split the signal to more then one receiver. If you had a need for 6 receivers to receive signals from one satellite, you could split the signal without the need of switches. The second advantage was the removal of the voltage switching polarity control. The receivers supply a steady 19 volts when in DP mode. This allows for longer cable runs without the worry of voltage drop off. The disadvantage was the use of a full 1000 MHz or 1 GHz of bandwidth. Coax cable which worked Ok for Legacy installations may not meet the needs of a DP installation.

For multi-sat installations two coaxes are still required for signal distribution. One for 119 and the other for 110. The DP34 (3rd port for off-air) installed with two coaxes from the DP LNB and up to four receivers connected to the switch. The real neat thing are the two through ports. These ports can be used to supply signal to additional DP34 switches. Up to four cascaded switches are possible. Using a Single Dish 500, a series of DP34 switches and only two coaxes for trunk distribution, an installer could provide signal to 16 receivers for full access to both 119 and 110.

The next issue facing Dish was their introduction of the dual tuner receiver. These receivers have two tuners which can provided individual service to two TVs. The DVR receivers, can also operate in a mode which provides two tuners to one TV. This allows the user to record two shows or record one show, while watching another. The only problem is you need two coaxes installed to the receiver. Many homes are pre-wired with only one coax to each location. This meant installing additional coax cables in homes where the home owner was not expecting the need for more cables. After all, they were told the house was a wired and ready. Most the time the house not wired properly, but that is another story. To help solve this problem, DISH developed the Dish Pro Plus (DPP) LNB.

The DPP LNB has three connections. Two for receivers and another for mixing in signals from another dish. More later. The DPP receiver connections are unique in that they work on ALL dish receivers. Legacy and new models. The DPP LNB works just like a legacy LNB. It uses the 950Mhz – 1450Mhz (500 MHz bandwidth). It uses voltage switching polarity selection, but has another 500Mhz band at a higher frequency. This upper band is only accessible by a dual tuner receiver. The dual tuner receivers use the lower band for Tuner 2 and the upper band for Tuner 1. Each band can supply either odd or even transponders from either the 110 or 119 satellite. The third port connects to another dish installed with DP single satellite LNB. This dish is used for reception of additional DISH programming from satellites at 61.5, 129, or 148.

Product names, logos, brands and other trademarks referred to within DBSinstall.com are the property of their respective trademark holders. These trademark holders are not affiliated with DBSinstall.com or our website. They do not sponsor or endorse our materials.


2015 Mortgage Rate Predictions from 3 Expert Sources, Plus Our View #home #loans #for #bad


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2015 Mortgage Rate Predictions from 3 Expert Sources

Editor s note: This article is a living document that will be edited and updated as new mortgage-rate forecasts and data become available over the coming months.

I know what you re thinking. It s only September, and already we re offering mortgage predictions and projections for 2015. But it s never too early to start projecting. In fact, statistics show that most mortgage shoppers start researching the market months before they actually close on a loan. So with that kind of advanced research in mind, we have rounded up some 2015 mortgage rate projections and forecasts from a variety of expert sources.

Here are the predictions at a glance:

  • Freddie Mac expects the average rate for a 30-year fixed mortgage to reach 5% by the end of 2015.
  • The Mortgage Bankers Association also expects to see 5% averages by the end of next year.
  • Lawrence Yun, chief economist for the National Association of Realtors, forecasts a gradually rising trend with the 30-year fixed rate averaging 5.5 percent in 2015.
  • Economist Dr. Bill Conerly expects the 30-year average to climb even higher next year, perhaps reaching 6% by year s end.
  • The Home Buying Institute s projections are on the lower side, matching the 5% outlook offered by Freddie Mac and MBA.

2015 Mortgage Rate Predictions from Freddie Mac, MBA

Freddie Mac, the government-controlled mega company that buys and sells mortgage-backed securities, runs a weekly survey of the lending industry that dates back to 1971. According to their survey archives, 30-year home loan rates dropped from 4.53% at the beginning of this year to 4.10% by September 1, 2014 (when this article was published). But their 2015 forecast for 30-year fixed mortgage rates calls for a gradual rise. as shown in the table below. As a result, home buyers and refinancing homeowners could encounter higher interest charges in 2015 compared to this year.

Notes. The table above shows Freddie Mac s rate forecast for 2015. It is based on their economists analysis of current trends within the housing market, the lending industry, and the broader economy. According to a company press release, we expect to see rates rise as the economy strengthens. At the end of 2015, we expect to see the 30-year fixed mortgage around five percent. That would be a gradual increase over the coming months, as seen in the projection table above.

The Mortgage Bankers Association (MBA) also provides long-term outlooks and forecasts in this area. And their chart looks nearly identical to the one shown above. They also expect the average to rise to 5% through the end of next year.

Dr. Bill Conerly, economist and senior fellow at the National Center for Policy Analysis. expects the 30-year average to rise even higher next year. In an article for Forbes magazine, Conerly wrote: Long-term mortgage rates get up to around six percent by the end of 2015, but that s not deadly to the economy. The interest changes are the result of stronger economic growth.

Home Buying Institute s Forecast for 30-Year Mortgage

Here at HBI, we expect rates to rise only gradually between now and the end of 2015. Some of the more dramatic predictions for next year have been linked to the Federal Reserve, and the fact that they are winding down their Quantitative Easing (QE) economic stimulus program. But we feel this will have only a minimal impact on mortgage rates, going forward.

In the past, many economists and analysts predicted a sharper rise in long-term interest rates, as the Federal Reserve began to scale back its bond-buying stimulus program. But the Fed started reducing their bond purchases months ago, and it did not have the predicted effect.

In fact, the benchmark 30-year mortgage rate actually dropped in the months following the Fed s initial scale-down in stimulus. The 30-year average was 43 basis points (0.43%) lower at the end of 2014 than at the beginning of that year, when the stimulus was going strong. So we do not expect any sharp upturns in the near future, despite the ongoing reduction in stimulus.

The Fed is expected to continue winding down its stimulus program, and ultimately end it some time in 2015. Based on what we ve seen this year, we expect their policy shift to have only a negligible impact on long-term interest rates next year. Thus, our 2015 mortgage rate prediction / projection mirrors the (lower) one offered by Freddie Mac and MBA, as opposed to the higher estimates offered by other analysts.

Additionally, the U.S. economy is growing at a very modest pace right now. Long-term interest rates tend to rise during periods of significant economic improvement (i.e. when things are going really well). But our economy still shows signs of weakness and sluggishness. So it probably won t have much of a lifting effect on mortgage rates as we head into 2015.

Bottom line. Home buyers and homeowners who are in the market for a mortgage loan next year probably have little to worry about, as far as rising rates go. They will likely rise through the end of 2015, but only gradually.

Beating the Averages for a Better Deal

The 2015 mortgage rate forecasts above are based on industry-wide averages and trends. For instance, Freddie Mac s weekly survey of the lending industry is based on average rates reported by 125 survey respondents (lenders) from across the U.S. But mortgage pricing is highly individualized:

  • A borrower who is considered to be well qualified could secure a below-average interest rate. These are people with excellent credit, steady income, and low debt levels in relation to their total household income.
  • On the contrary, a marginally qualified borrower (lower credit score, higher debt ratio, etc.) would likely pay more in interest.

A borrower could potentially land a better rate by achieving a higher credit score, putting more money down, or even paying points at closing. The type of home loan being used also plays a role.

Disclaimer: This story contains forward-looking statements relating to the housing market, lending industry, and broader economy. Interest rate projections are based on trends that can change over time. As a result, they may prove to be inaccurate over the long term. The 2015 mortgage predictions and forecasts presented are the equivalent of an educated guess. They should not be viewed as facts or certainties. We make no guarantees about future trends or conditions within the housing or mortgage industry.

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Union Plus Mortgage – Wells Fargo Home Mortgages for Union Members #average #mortgage #rates


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Mortgages for Union Families

Buying a home

The Union Plus® Mortgage program, with financing available through Wells Fargo Home Mortgage, can help you purchase a home while also receiving special benefits by virtue of your union membership.

For qualifying members, special benefits include a $500 My Mortgage Gift SM award 1 from Wells Fargo Home Mortgage and, from Union Plus, special hardship assistance and the opportunity to earn a $500 First-Time Home Award .

The $500 First-Time Home Award will be discontinued on 10/31/16. In order to be eligible, you must have closed on your purchase loan by 12/31/16. Additionally, you will need to apply for the award within 90 days of your closing date.

$1,000 Mortgage Veterans Grant program for union members who’ve served in the U.S. armed forces.

How the “Welcome to Your First-Home Award” works:

If you’re an active or retired union member and used Union Plus Mortgage to purchase your first home, we’d like to hear from you. Share your story by completing an application and providing us a short, written description of your experience with the Union Plus Mortgage process and what owning your first home means to you. As a token of appreciation for your story, we’ll send you a check for $500* .

If you’re unable to download the application and need one mailed to you, please call 1-800-472-2005, ext. 836, to request an application by mail.

*Normal processing time for award checks is 60-90 days after we receive a complete application package.

How the “Union Plus Mortgage Veterans Grant” works:

If you’re a veteran of the United States Armed Forces and an active or retired union member, who obtained a Union Plus Mortgage through Wells Fargo to finance your primary residence after October 31, 2014, you’re eligible to apply for this special $1,000 grant*. Funding is limited so apply today.

If you’re unable to download the application and need one mailed to you, please call 1-800-472-2005, ext. 836, to request an application by mail.

*Normal processing time for award checks is 60-90 days after we receive a complete application package.

Refinancing a home

Looking to refinance? The Union Plus Mortgage program, with financing from Wells Fargo Home Mortgage, might be able to help you lower your monthly mortgage payments and/or shorten your loan term.

The program provides a broad range of financing options to help meet the needs of most borrowers — and when you refinance, you’ll receive a $500 My Mortgage Gift SM award from Wells Fargo Home Mortgage after closing. 1 You’ll also be eligible for special hardship assistance from Union Plus .

Call Union Plus at (866) 802-7307.

Who is eligible?

  • All dues-paying labor union members
  • Union member retirees
  • Spouse and domestic partners of union members
  • Parents and children of union members
  • Alliance for Retired Americans members who are retired union members are eligible

Mortgage loans are available in the United States only and currently not available in Canada, Guam, Puerto Rico or Virgin Islands.

  • ONLY current/retired union members are eligible for the Welcome to Your First Home Award
  • ONLY current/retired union members, their spouses, parents and children are eligible for the Union Plus mortgage assistance program

Peace of mind with unique union assistance

When you buy or refinance a home through the Union Plus Mortgage program and experience income loss, turn to Union Plus mortgage assistance. The program provides interest-free loans and grants to help you make mortgage payments when you’re disabled, unemployed, locked out, or on strike.

Over the life of the Union Plus mortgage assistance program, we’ve provided more than $11 million in assistance to union members. Check details and eligibility for loan/grant assistance here. Note: The first $1,000 is a grant that does not need to be repaid.

For questions about the Union Plus mortgage assistance program, call 1-800-472-2005.

Other resources for ALL union members:

  • Federal government’s Home Affordable Refinance Program (HARP)
  • Worried about falling behind on your mortgage payments? The Union Plus Save My Home Hotline may be able to help. Don’t wait until you’re facing foreclosure – call 1-866-490-5361, any time day or night
  • For free budgeting and credit counseling advice, click here or call Money Management International (MMI), the Union Plus Credit Counseling provider at 1-877-833-1745
  • Access free bankruptcy counseling services from Union Plus Credit Counseling
  • And find more debt-reducing resources and tools at UnionPlus.org/CreditClinic

Union leaders: resources for your members

For questions about your Union Plus mortgage, contact:

Wells Fargo customer service
1-800-222-0238
Mon-Fri: 6am-10pm; Sat: 8am-2pm CT

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. NMLSR ID 399801.

  1. Eligible individuals can receive the Wells Fargo My Mortgage Gift SM promotion approximately 6 weeks after closing on a new purchase or refinance loan secured by a first mortgage or deed of trust with Wells Fargo Home Mortgage (“New Loan”), subject to qualification, approval and closing, when identifying themselves as eligible. The My Mortgage Gift SM promotion is not available with any Wells Fargo Three-Step Refinance SYSTEM ® program, The Relocation Mortgage Program ® or to any Wells Fargo team member. Only one award permitted per new loan. This promotion cannot be combined with any other promotion, discount or rebate except yourFirst Mortgage SM. This promotion is void where prohibited, transferable, and subject to change or cancellation with no prior notice. Awards may constitute taxable income. Federal, state and local taxes, and any use of the award not otherwise specified in the Terms and Conditions provided at receipt of award are the sole responsibility of the My Mortgage Gift SM recipient. Please see Terms and Conditions document for more information.

Wells Fargo Home Mortgage has a services agreement with Union Privilege in which Union Privilege receives a financial benefit for providing agreed upon services. You are encouraged to shop around to ensure you are receiving the best services and the best rate for your home financing needs.