Compare 30 Year Mortgage Rates and Home Loan Programs – American Financial Resources #home #mortgage


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Compare 30 Year Mortgage Rates

30 year home loans are easily the most popular home financing solutions for our clients. 30 year mortgages enable a borrower to spread their payments out over a 360 month period while offering the security of a fixed rate loan. And with most 30 year mortgages, you can make additional payments every month without incurring a penalty thus paying off your loan well in advance of the 30 year term (confirm this with your loan officer). We offer a wide range of 30 year home loans including FHA loans, jumbo loans, VA loans, USDA loans, mobile home loans, and traditional fixed rate programs. Whether you are looking to purchase a condominium in Hawaii, a rental property in New York, or a vacation home along the Atlantic Coast in North Carolina, we are here to deliver low 30 year interest rates and some of the best programs on the market.

Request 30 year interest rates (3 Choices):

  • Dial 800-316-9508 to request current 30 year mortgage rates .
  • Request 30 year home loan pricing using the Mortgage Rate Quote Form
  • Get started on your mortgage online .

Benefits of a 30 year home loan:

  • Predictability of fixed rate mortgage with payments spread out over a 30 year period.
  • Offers some flexibility in that borrowers can typically pay down their mortgages faster by electing to make additional principle payments (verify with your loan professional).
  • 30 year interest rates have been near historic lows for the past few years making them more attractive to borrowers.

Contact us today to compare our current 30 year mortgage rates with the other companies that you are researching. We think you will be glad you did.

Please provide the following information to get started on your quote.

Popular Quick Searches:

Copyright 2009 – 2015 American Financial Resources, Inc.
Trade/service marks are the property of American Financial Resources, Inc. Some products may not be available in all states.
This is not a commitment to lend. All loans subject to credit approval. All rights reserved.

Call 800-634-8616 for quotes and consultations. For all other inquiries, please call our corporate office at 800-316-9508.


American Financial Resources – National Mortgage Lender #fixed #rate #mortgages


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Find Low Mortgage Rates with American Financial Resources

American Financial Resources is a nationwide home mortgage lender with an outstanding reputation – a reputation built on honesty, trust, and a commitment to ethical lending practices while delivering low mortgage rates. We have been in business for over 15 years, helped thousands of borrowers, and have funded over $2.7 billion in the past year alone. In fact, we are one of the top Federal Housing Administration (FHA) mortgage lenders in the country. We’ve assisted families all across America find the perfect home loan for their needs. Even if your credit is less than perfect, we can most likely help you qualify for a new mortgage at low interest rates.

Why Choose American Financial Resources as Your Home Mortgage Lender?

Because American Financial Resources is a direct mortgage lender you have the benefit of working one-on-one with the same caring and knowledgeable Mortgage Consultant throughout the entire transaction. Our goal is to always deliver a superior customer service experience from time of application to closing. We offer a wide variety of residential home financing solutions including conforming fixed rate loans, adjustable rate programs, low money down options (FHA, VA, USDA), jumbo financing solutions, and even mortgages for manufactured homes.

Great Pricing and Low Closing Costs – Get Started

With interest rates near historic lows, now is a great time to consider buying a new home. refinancing an existing mortgage, or consolidating debts. Our consultants are mortgage experts who will guide you through the home loan process – every step of the way. American Financial Resources makes it easy for you to get the right mortgage at some of the lowest interest rates available. Call toll-free 1-800-634-8616 now, or get started online for a free, confidential, no-obligation mortgage consultation.

4 Ways to Contact Us for a Free Quote & Consultation

  • Call us Toll-Free at 800-634-8616
  • Use the Quote Form on the Right for Pricing Information
  • Get Started Online in Seconds
  • Use Our Live Chat Feature

Please provide the following information to get started on your quote.


5 Year ARM Rates, 5 Year Adjustable Rate Mortgage Information – American Financial Resources #online


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Research 5 Year ARM Rates and Programs

5/1 ARM programs offer low introductory rates for a five year period before they begin to adjust. Most 5 year adjustable rate products are tied to either the 1 year LIBOR index or the 1 year US treasury rate (plus the loan s margin). Your loan consultant can explain the benefits and potential liabilities of the various indexes so that you can make a well informed decision. While one 5 year arm may have a lower rate, its index may be historically more volatile and may not be worth the risk if you are only saving an eighth to the rate. 5 year ARM rates are typically lower than 30 year fixed rates which is why most people consider an ARM. Be sure to request quotes on both a 30 year loan and a 5 year adjustable rate mortgage to make sure that there are significant savings. If there are not, then it probably make sense to stick with the security of a 30 year mortgage. Contact American Financial Resources today to learn more about our 5/1 ARM products.

Contact AFR Mortgage for More Information (3 Options)

  • Call 800-316-9508 for a free consultation.
  • Check 5 year ARM rates using the Mortgage Quote Form on this page.
  • Get Started Online .

Why Consider a 5 Year Adjustable Rate Mortgage?

  • Can be a good choice for homeowners who only plan on being in the properties for 3-7 years.
  • Should only be considered by people who feel confident in their employment status.
  • 5/1 ARM products are very risky in declining real estate markets unless there is a significant amount of equity in the property. Consumers will not want to be upside down in their homes and not be able to refinance out of a 5 year ARM.

Call American Financial Resources today to discuss current 5 year ARM rates and for a no obligation mortgage consultation.

Please provide the following information to get started on your quote.

Popular Quick Searches:

Copyright 2009 – 2015 American Financial Resources, Inc.
Trade/service marks are the property of American Financial Resources, Inc. Some products may not be available in all states.
This is not a commitment to lend. All loans subject to credit approval. All rights reserved.

Call 800-634-8616 for quotes and consultations. For all other inquiries, please call our corporate office at 800-316-9508.


Helpful Resources for Homebuyers #greentree #mortgage #company


#homepath mortgage rates

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Starting the
Homebuying Process

HomePath Homebuyers Closing Checklist

Once an offer to purchase a HomePath home is accepted, it’s important to know what happens next. There are many important activities and required timeframes that buyers need to be aware of. The listing agent is a great resource for information and will work closely with your real estate agent to support a successful closing. In addition, Fannie Mae provides a tool to keep you on track. Click here to learn more and download.

YouTube Channel

Devin and Martha have outgrown their 2 bedroom / 1 bath rental home. With their two kids getting older, they realize they need more space, but are concerned about finding and affording a larger home in a family-friendly neighborhood near good schools. Devin and Martha have done their research and have decided to go with a foreclosed property. Thanks to HomePath.com, they’ve narrowed down their choices, and with the help of Yolanda, their real-estate professional, are hoping that this is the perfect house for them.

When Phil Sajn, 31, contacted family friend and real estate Agent Maria McShane last December, she thought he’d be a good match for Fannie Mae’s HomeReady mortgage, which allows low- to moderate-income homebuyers to put as little as three percent down. Our video recounts Sajn’s successful journey into homeownership.

Frequently Asked Questions

Review our FAQs for more information on Fannie Mae, HomePath, and purchasing or selling a HomePath property.

Fraud Awareness and Prevention

Fannie Mae is committed to preventing mortgage fraud, including REO Sale and Short Sale fraud, whether perpetrated by borrowers, purchasers, real estate professionals or any other parties involved in real estate transactions. Fannie Mae is at the forefront of developing tools and deterrents designed to prevent mortgage fraud, and we partner with law enforcement agencies in their efforts to detect and prosecute fraud.

Important Reminder

HomePath and this downloading function are only for individual, non-commercial use and for individuals and entities transacting business with Fannie Mae.

You may not use any robot, spider or other automated device, process, or means to access HomePath contents.

You may not republish, offer for sale, or otherwise make publicly available HomePath contents, or use HomePath contents for marketing purposes, without Fannie Mae’s prior specific written approval.

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Homepath.com is not responsible for the contents or reliability of any linked websites, or the information, products or services contained therein, nor does this link constitute an endorsement by homepath.com of the site or the information or products presented on the site.

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Helpful Resources for Homebuyers #mortgage #calculators


#homepath mortgage rates

#

Starting the
Homebuying Process

HomePath Homebuyers Closing Checklist

Once an offer to purchase a HomePath home is accepted, it’s important to know what happens next. There are many important activities and required timeframes that buyers need to be aware of. The listing agent is a great resource for information and will work closely with your real estate agent to support a successful closing. In addition, Fannie Mae provides a tool to keep you on track. Click here to learn more and download.

YouTube Channel

Devin and Martha have outgrown their 2 bedroom / 1 bath rental home. With their two kids getting older, they realize they need more space, but are concerned about finding and affording a larger home in a family-friendly neighborhood near good schools. Devin and Martha have done their research and have decided to go with a foreclosed property. Thanks to HomePath.com, they’ve narrowed down their choices, and with the help of Yolanda, their real-estate professional, are hoping that this is the perfect house for them.

When Phil Sajn, 31, contacted family friend and real estate Agent Maria McShane last December, she thought he’d be a good match for Fannie Mae’s HomeReady mortgage, which allows low- to moderate-income homebuyers to put as little as three percent down. Our video recounts Sajn’s successful journey into homeownership.

Frequently Asked Questions

Review our FAQs for more information on Fannie Mae, HomePath, and purchasing or selling a HomePath property.

Fraud Awareness and Prevention

Fannie Mae is committed to preventing mortgage fraud, including REO Sale and Short Sale fraud, whether perpetrated by borrowers, purchasers, real estate professionals or any other parties involved in real estate transactions. Fannie Mae is at the forefront of developing tools and deterrents designed to prevent mortgage fraud, and we partner with law enforcement agencies in their efforts to detect and prosecute fraud.

Important Reminder

HomePath and this downloading function are only for individual, non-commercial use and for individuals and entities transacting business with Fannie Mae.

You may not use any robot, spider or other automated device, process, or means to access HomePath contents.

You may not republish, offer for sale, or otherwise make publicly available HomePath contents, or use HomePath contents for marketing purposes, without Fannie Mae’s prior specific written approval.

  • No valid entry. Please try again or refresh image.

Generating file

Please wait a minute as we create your custom report. Once it’s complete, you can download or save it to your computer. This report is in a .csv format, so you’ll need Microsoft Excel (or something similar) to open and view it.

You are now leaving homepath.com.

Homepath.com is not responsible for the contents or reliability of any linked websites, or the information, products or services contained therein, nor does this link constitute an endorsement by homepath.com of the site or the information or products presented on the site.

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Human Resources Programs at Ontario Colleges #human #resources #programs, #human #resources #programs #in #ontario, #college


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Human Resources Programs at Ontario Colleges

What to expect from a Human Resources career

In today s highly competitive job market, Human Resources (or HR) professionals are in high demand to help find and retain the best employees. Human Resources programs at Ontario colleges prepare students with skills in employee retention, compensation, training and much more, to make them indispensible to any organization.

If you ve got a combination of good business and people skills, and want to start a career in Human Resources, here s what you need to know. More

Human Resources Courses

HR professionals must have knowledge in a number of different areas in order to manage an office of employees. Along with employee recruitment, training and retention, areas of focus in many human resources programs include:

  • Accounting and Finance. HR professionals may be responsible for tasks such as payroll or processing expense reports. In these instances, and in others, a solid understanding of accounting, finance and general mathematics is beneficial.
  • Law and Ethics. Knowing the legalities and ethical issues involved in workplace situations is critical for HR professionals who may be called upon to resolve employee conflicts or to provide information on employee rights.
  • Business Administration. Presentation, organization, communication and business process skills are just a few of the areas of focus that will help HR professionals create a path of communication between the employer, employees and even clients.

General Human Resources Program Requirements

Ontario college human resource programs are offered at the diploma, advanced diploma, applied degree and graduate certificate level, each of which will have different program requirements.

Diploma, advanced diploma and applied degree programs typically require an Ontario Secondary School Diploma (OSSD) or equivalent, with a Grade 12 English and Grade 12 mathematics credit. Additional mathematics credits may also be required, depending on the program. Graduate certificate programs require a college diploma or university degree for consideration.

Human Resources Jobs and Salaries

Human resources career options span across nearly all industries. Possible positions include labour relations officers, recruitment officers, training coordinators, health and safety specialists, benefits administrators, and of course, human resources managers.

HR managers and specialists typically start off at roughly $35,000 per year, with salaries increasing as high as $80,000 or more with experience and expertise. Wages for recruitment officers are slightly lower, starting at $28,000 per year and increasing to around $40,000 to $65,000 or more with experience.

Ontario Colleges Offering Human Resources Programs

Use the left-column navigation to refine your search by College, Program Availability, Program Start Date and more, or see the table below for a complete list of human resources programs at Ontario colleges. Less


What Is Big Data, SAS US, big data resources.#Big #data #resources


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Big Data

Big data is a term that describes the large volume of data – both structured and unstructured – that inundates a business on a day-to-day basis. But it’s not the amount of data that’s important. It’s what organizations do with the data that matters. Big data can be analyzed for insights that lead to better decisions and strategic business moves.

Big Data History and Current Considerations

While the term “big data” is relatively new, the act of gathering and storing large amounts of information for eventual analysis is ages old. The concept gained momentum in the early 2000s when industry analyst Doug Laney articulated the now-mainstream definition of big data as the three Vs:

Volume. Organizations collect data from a variety of sources, including business transactions, social media and information from sensor or machine-to-machine data. In the past, storing it would’ve been a problem – but new technologies (such as Hadoop) have eased the burden.

Velocity. Data streams in at an unprecedented speed and must be dealt with in a timely manner. RFID tags, sensors and smart metering are driving the need to deal with torrents of data in near-real time.

Variety. Data comes in all types of formats – from structured, numeric data in traditional databases to unstructured text documents, email, video, audio, stock ticker data and financial transactions.

At SAS, we consider two additional dimensions when it comes to big data:

Variability. In addition to the increasing velocities and varieties of data, data flows can be highly inconsistent with periodic peaks. Is something trending in social media? Daily, seasonal and event-triggered peak data loads can be challenging to manage. Even more so with unstructured data.

Complexity. Today’s data comes from multiple sources, which makes it difficult to link, match, cleanse and transform data across systems. However, it’s necessary to connect and correlate relationships, hierarchies and multiple data linkages or your data can quickly spiral out of control.


My eCoach #community, #online, #free, #funding, #education, #web #2.0, #professional #development, #21st #century #skills, #digital


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Create websites, lessons, and projects in no time at all with everything you need at your fingertips. Clone templates, create projects, match to Common Core State Standards, co-author, allow comments, embed video, control who sees your website, and you always have access to your stuff. Join now by clicking Sign Up on the left bar!

Create a community or course in a safe and secure online environment that you can depend on. Connect and collaborate in a private area and share what you want to share with the world. This is your your place in the cloud with all the tools you need in one place with coaching to support community members. Contact us so we can help you personalize your virtual community.

Contact us to find out how you can include inquiry, creativity, critical thinking, and collaboration in your learning environment AND e asily match to Common Core State Standards so your students are college- and career-ready. We work with teachers and coaches behind the scenes to plan, design, create and celebrate the creativity and learning happening with your students. Teachers can even set up class teams with students.

Elementary Classroom Teacher

San Bruno Park School District

San Francisco, CA

Melissa has been a member of My eCoach since 2008. She currently teaches sixth grade and has additionally taught many after school programs. Meilssa is always excited to go beyond the school day to assist others in developing skills and facilitating interdisciplinary education. She believes that technology integration and project based learning are outstanding ways to facilitate learning. Her groups have been nominated for a variety of awards and won first place in the California Student Media Festival in 2009 under Best Use of Interactive Media. In addition to her regular classroom duties, Melissa serves on her school s Leadership Team, her district s Curriculum Council and on the district s Technology Committee. Teaching students how to apply classroom concepts in the real world is a priority for Melissa. Thank you, Melissa, for all your talented work in education and for using My eCoach. Below are just a few of her projects.


8 Free Game Design and Development Courses and Resources Online #game #development #degree, #8 #free


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8 Free Game Design and Development Courses and Resources Online

Info on Free Online Courses in Game Design and Development

Game design and development involves various fields, from graphic design and programming, to math and probability. Some of the courses below have additional software requirements, but most of these software programs are free and can be downloaded through links on course websites. These free, online courses are self-paced and don’t award grades or academic credit. Students also don’t submit assignments.

Tufts University

  • Blender 2.6x – 3D trains students on how to use the Blender software for modeling and 3D animation, which can be used in game design. This free course includes lecture notes, project assignments, samples of other students’ works and additional supplemental materials. Students must have the free software program, Blender, downloaded to a computer; other recommended software includes Adobe Acrobat Reader, Python and a media player. As of December 2012, Tufts University is working on an updated course that covers a new version of Blender.

Eastern Michigan University

  • Computer Game Programming teaches students how to design, implement and test a 2D or 3D game. It’s suggested that students have significant programming experience for this course. Some recommended readings may need to be purchased, and Visual C++ or other integrated development environment (IDE) software program is needed to do the assignments in the course. The course includes PDF lecture notes and homework, but instructor help isn’t available with this free version of the course.

Massachusetts Institute of Technology (MIT)

  • Computer Games and Simulations for Investigation and Education investigates how to design educational games and simulations. Students learn how to create board and video games, and are encouraged to complete a video game project. The course includes readings, assignments and related resources that include links to online games.
  • Game Design was developed for undergrad and graduate students, looking at the design of non-electronic games. The course covers such card games, board games, sports and role-playing games through study materials, assignments and other resources. More than 30 audio lectures are available on topics such as strategy and skill, iterative design, prototyping, puzzles and the social function of games.
  • The Mathematics in Toys and Games covers subjects such as probability and basic programming. Students learn how to use math skills to devise games through readings, lecture notes, homework and completed sample projects.

New Mexico State University (NMSU)

  • Game Design provides an overview of how programmers can develop good educational games. The speaker covers topics that include game development on teams and game testing in this free, non-credit lecture.

University of California – Los Angeles (UCLA)

  • GameMaker Tutorial trains students to create a simple game. The website walks learners through a step-by-step process of programming a game that makes balls bounce inside a box until they break the walls to escape. This is a self-directed tutorial and no credits are awarded.

Utah State University

  • Instructional Games examines the field of educational games. Students study the academic benefits of video games and ways to assess the value of educational games. Some topics include instructional game design, games in schools and simulations. The free course provides lectures and readings, as well as an assigned game design project.

Next: View Schools

Game design and development programs train students in interface design, modeling, graphics, animation and scripting for video.

Students study topics such as game design, game testing, technical art and 3-D modeling in an associate degree in the field of.

Students interested in studying video game design and development in Chicago have thirteen schools to choose from. Read about.

A Bachelor of Fine Arts (BFA) in Game Design and Development can educate students in the technological, conceptual and artistic.

The schools in the listing below are not free and may include sponsored content but are popular choices among our users. Tuition and costs will vary across programs and locations. Be sure to always request tuition information before starting a program.

An admission advisor from each school can provide more info about:

  • programs curriculum
  • career opportunities
  • tuition financial aid
  • admissions starting dates

1 Full Sail University


Accelerated accounting degree #albright #college, #albright #college #accelerated #degree #programs, #albright’s #accelerated #degree #programs, #adp,


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Majors

Albright’s ADP curriculum features an accelerated seminar format with intense use of the Internet as well as additional computer technology. Interaction between students is emphasized and much of this collaboration involves applied group activities.

While traditional classes meet 40-44 hours per semester, Albright’s ADP courses meet for four hours per evening for five to seven weeks. Remaining class time is fulfilled by a combination of Internet usage and independent study.

Through a special partnership with Reading Area Community College, Delaware County Community College, Harrisburg Area Community College, Lehigh Carbon Community College, Montgomery County Community College, Northampton Community College, and Warren County Community College, most associate degrees (A.A. or A.S.) from these colleges transfer fully to Albright ADP (and acceptance is automatic if all Albright transfer admissions criteria are met.) Albright College offers a $2,500-3,200 Partner Scholarship based on GPA to graduates of these colleges. (Any applicant with an Associates Degree is eligible for a $2,500 scholarship.)

ADP offers bachelor’s degrees in:

Accounting: The accelerated program in accounting prepares students for careers in public and private accounting and in obtaining professional certifications. This major also provides students with a strong foundation for entering a graduate school program.

Business Administration: The accelerated program in business administration prepares students for a wide variety of careers in finance, banking, marketing and management. This major also provides students with a strong foundation for entering a graduate school program.

Crime & Justice: The accelerated program in crime and justice involves an analysis of criminal deviance and its roots, plus an in-depth understanding of our criminal justice system’s successes and failures. Unlike other criminal justice programs, students are not trained specifically for police work. Rather, students are educated in the academic study of crime, criminology and justice in preparation for a variety of positions within the criminal justice system.

Digital Communications: Albright College offers one of the only evening accelerated-hybrid programs in Digital Communications in the area. Focus on strategic communication across media platforms including publications, videos, and websites in the Albright College Digital Communications program. (This program is currently offered exclusively at our Reading location.)

Computer and Information Systems: The accelerated program in information systems is based on common structures and degree programs in the United States and Canada. It also meets the recommendation of the Association for Computing Machinery, which sets a variety of standards in technology fields, as well as graduate study programs.

Organizational Behavior / Applied Psychology: The accelerated program in organizational behavior / applied psychology prepares students for a wide variety of careers in social services, management, human resources, training and development. This major also provides students with a strong foundation for entering a graduate program.

Information Systems and Management: Albright s distinctive new major in information systems and management (ISAM) is designed to provide students with both the technical skills and the business acumen required to excel in information systems and business environments.

Highlights

  • Curriculum designed specifically for adult learners
  • Applied thesis project completed in workplace setting
  • Courses taught by Albright College faculty
  • 9-15 adults work as a cohort through the entire program
  • 20-24 months accelerated schedule (including breaks)
  • Four-hour session one evening per week (6-10 P.M.)
  • Convenient, “student friendly” approach
    – Textbooks / instructional materials
    delivered to your class
    – One-time registration
  • Full-time student status permits a variety of financial aid options

CALENDAR & EVENTS