USDA Mortgage Guidelines and Underwriting – Home Mortgage Guidelines, mortgage search.#Mortgage #search


USDA Rural Development Guaranteed Mortgage Guidelines

This web site will explain the USDA Rural Development guaranteed mortgage guidelines. This is a 100% loan to value (100% LTV), government guaranteed home loan that is geared to help moderate income families.

As a side note, USDA also offers a USDA Rural Development Direct Mortgage for people with low to very-low income. The guidelines for the Direct loan are quite different so you should visit this site: USDA Rural Development Direct Loan

USDA Guaranteed Loan

The major benefits are:

  • 100% mortgage LTV based on the APPRAISED value
  • Zero down payment and no minimum contribution required.
  • No limit on seller concessions or gift
  • No mortgage insurance required
  • No reserves required
  • 30 year fixed rate only
  • Lenders must be USDA approved.
  • Low interest rates
  • Flexible Credit Guidelines
  • Property must be in a rural eligible location

In the not so distant past few people, including real estate agents and loan officers, were aware of this government program. Real Estate Agents, Lenders, and For Sale By Owners should use this 100 percent loan to the advantage of the buyer and the seller.

Not every home or buyer will qualify for this loan. If they do qualify they will be getting one of the top mortgages, with the lowest interest rates on the market today.

Here is a very short video that covers the basic qualifying factors. You should still review the rest of this site for more details:

The only disparaging issue is the Government operates on a fiscal year budget that ends on September 30th of every year. It can take a month or much more after September 30th for the new budget to be allocated. It is also possible to deplete the budget prior to Sept 30th, as it has in the past. Your loan could be held in limbo, with out closing, if it falls into this time frame.

Lenders usually have the option to close the loan without budget if they are issued a Loan Note Guarantee – Subject to Fund Allocation . Most lenders will not close with a subject to LNG. If this happens it becomes a waiting game.

We are not part of USDA Rural Development and we are not a mortgage lender/broker. We do not collect your information or sell leads. We put out this information because we believe in educating buyers so they don’t get ripped off in the market.

We have several other sites that cover the mortgage underwriting guidelines for FHA, VA, and Conventional Mortgages as well. The other websites we operate are listed at the bottom of this page.

As a buyer you should familiarize yourself with the guidelines of each mortgage product. Then you will know what program best meets your needs BEFORE you shop for a home loan. The more you know and understand the less likely it is that you will fall prey to people with a different agenda than your best interest.

If you have questions you can email us and we will do our best to help you find the answers.


Mortgage News Search #mortgage #modification


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Directories of lenders, branch operators and mortgage service providers.


Best Home Security Systems in Louisville, Kentucky with Reviews #yellow #pages, #local #search, #deals, #coupons,


#

About Search Results

YP – The Real Yellow Pages SM – helps you find the right local businesses to meet your specific needs. Search results are sorted by a combination of factors to give you a set of choices in response to your search criteria. These factors are similar to those you might use to determine which business to select from a local Yellow Pages directory, including proximity to where you are searching, expertise in the specific services or products you need, and comprehensive business information to help evaluate a business’s suitability for you. “Preferred” listings, or those with featured website buttons, indicate YP advertisers who directly provide information about their businesses to help consumers make more informed buying decisions. YP advertisers receive higher placement in the default ordering of search results and may appear in sponsored listings on the top, side, or bottom of the search results page.

Home Security Systems in Louisville, KY

Alliant Security Systems Inc

8311 Lacevine Rd, Louisville, KY, 40220

1. Alliant Security Systems Inc

8311 Lacevine Rd

Visit our website

We have had Alliant security system in our house for almost 20 years without any problems. Had the company come out this week and update our system with new equipment and update us to cellular. Keep

2. Elite Systems Video Security

14006 Dixie Hwy

We have had Alliant security system in our house for almost 20 years without any problems. Had the company come out this week and update our system with new equipment and update us to cellular. Keep up the good work, I’m 66 years old now, hope I’m here to have you update us again in 20 more years.Larry

Related Articles for Home Security Systems

Why You Should – or Shouldn’t – Get a Home Security System

Just as there is no shortage of choices when it comes to home security systems, there is no shortage of opinions on their usefulness and value.

Top Home Security Trends

Homeowners looking to buy their first home security system or upgrade an existing one face an array of choices, thanks to the latest technology available.

2017 YP LLC. All rights reserved.


Used cars in Western Australia #used #cars #adn #4wds #in #western #australia, #in #western #australia,


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Used cars, 4wds, caravans, campervans, motorhomes buying destination Perth WA – www.actionmotors.com.au

– Action Motors Offering Quality Pre-owned Vehicles to the Australian Public for 30 years

– Are you looking for a great price on a used cars, 4wds, campervans, caravans, Motorhomes for sale in Perth WA? Check out our great range of cars, 4wds, campervans, caravans, Motorhomes for sale.

Action Motors is one of the biggest and best car and 4WD Dealerships in Western Australia.

Browse our large range of stock online or we can find your desired vehicle for you. Search using our easy find system for a particular vehicle based on Make, Model and Year.

Action Motors has Perth’s best range of passenger cars, recreational, 4 wd’s, commercial 4wd’s, tray tops, utilities and vans displayed right here online for your convenience.

Remember, if you can’t find what you are looking for on our site right now, just fill out the online enquiry request form and we will find it for you.

Action Motors specializes in popular late model 4 wd’s and with the best range available in Perth at any time makes us the perfect place to start looking for your next vehicle.

Action Motors also offers:

  • Convenient Finance (all applications welcome)
  • Extensive warranty options
  • Detailing service
  • After hours contact
  • Vehicle insurance
  • Full workshop servicing
  • Vehicle and RV storage facility

Selling your car, 4wd, utility, caravan, campervan, people mover.

WE PAY MORE. phone now 08-9350 6400 .

We have buyers ready to take your call.


Medical Billing Clerk Salaries by education, experience, location and more #medical #billing #and #coding #schools


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Medical Billing Clerk Salaries

Alternate Job Titles: Medical Biller, Medical Billing Clerk

  • What is the average annual salary for Medical Billing Clerk?

      How much does a Medical Billing Clerk make? The median annual Medical Billing Clerk salary is $36,255. as of June 28, 2017, with a range usually between $32,814 – $39,858. however this can vary widely depending on a variety of factors. Our team of Certified Compensation Professionals has analyzed survey data collected from thousands of HR departments at companies of all sizes and industries to present this range of annual salaries for people with the job title Medical Billing Clerk in the United States.

      This chart describes the expected percentage of people who perform the job of Medical Billing Clerk in the United States that make less than that annual salary. For example the median expected annual pay for a typical Medical Billing Clerk in the United States is $36,255, so 50% of the people who perform the job of Medical Billing Clerk in the United States are expected to make less than $36,255.

      Source: HR Reported data as of June 28, 2017

      • About this chart

          This chart describes the expected percentage of people who perform the job of Medical Billing Clerk that make less than that salary. For example 50% of the people who perform the job of Medical Billing Clerk are expected to make less than the median.
          Source: HR Reported data as of July 2017

          Responsible for reviewing, researching, coding, and generating third party billing for a medical facility. Completes and verifies ICD-10 coding. Inputs and maintains all payment records in database or systems. Performs basic customer service for routine patient or other inquiries. Requires a high school diploma. Typically reports to a supervisor or manager. Possesses a moderate understanding of general aspects of the job. Works under the close direction of senior personnel in the functional area. May require 0-1 year of general work experience. View full job description


      Clinical Research Coordinator Salaries by education, experience, location and more #what #is #a #clinical #research


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      Clinical Research Coordinator Salaries

      Alternate Job Titles: Clinical Research Coordinator, Clinical Research Specialist

      • What is the average annual salary for Clinical Research Coordinator?

          How much does a Clinical Research Coordinator make? The median annual Clinical Research Coordinator salary is $58,985. as of June 28, 2017, with a range usually between $50,655 – $68,143. however this can vary widely depending on a variety of factors. Our team of Certified Compensation Professionals has analyzed survey data collected from thousands of HR departments at companies of all sizes and industries to present this range of annual salaries for people with the job title Clinical Research Coordinator in the United States.

          This chart describes the expected percentage of people who perform the job of Clinical Research Coordinator in the United States that make less than that annual salary. For example the median expected annual pay for a typical Clinical Research Coordinator in the United States is $58,985, so 50% of the people who perform the job of Clinical Research Coordinator in the United States are expected to make less than $58,985.

          Source: HR Reported data as of June 28, 2017

          • About this chart

              This chart describes the expected percentage of people who perform the job of Clinical Research Coordinator that make less than that salary. For example 50% of the people who perform the job of Clinical Research Coordinator are expected to make less than the median.
              Source: HR Reported data as of July 2017

              Organizes research information for clinical projects. Selects and observes subjects and assists with data analysis and reporting. Oversees experiment scheduling and collection of data. Requires a high school diploma or its equivalent. Typically reports to a supervisor or manager. Gaining or has attained full proficiency in a specific area of discipline. Works under moderate supervision. Typically requires 1-3 years of related experience. View full job description


          Dispatcher Salaries by education, experience, location and more #dispatcher #software, #dispatcher #unemployment #insurance #benefits #compensation


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          Dispatcher Salaries

          Alternate Job Titles: Dispatcher

          • What is the average annual salary for Dispatcher?

              How much does a Dispatcher make? The median annual Dispatcher salary is $41,857. as of May 30, 2017, with a range usually between $35,949 – $49,083. however this can vary widely depending on a variety of factors. Our team of Certified Compensation Professionals has analyzed survey data collected from thousands of HR departments at companies of all sizes and industries to present this range of annual salaries for people with the job title Dispatcher in the United States.

              This chart describes the expected percentage of people who perform the job of Dispatcher in the United States that make less than that annual salary. For example the median expected annual pay for a typical Dispatcher in the United States is $41,857, so 50% of the people who perform the job of Dispatcher in the United States are expected to make less than $41,857.

              Source: HR Reported data as of May 30, 2017

              • About this chart

                  This chart describes the expected percentage of people who perform the job of Dispatcher that make less than that salary. For example 50% of the people who perform the job of Dispatcher are expected to make less than the median.
                  Source: HR Reported data as of June 2017

                  Assigns drivers and vehicles to convey freight or passengers. Coordinates drivers according to customer requests and in compliance with DOT regulations and company rules. Communicates with customers to determine driver demand and driving schedules. Notifies drivers of assignments and enters assignment data into a computer database. Requires a high school diploma with 2-4 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 supervisor or manager. View full job description


              DocuSign Data Breach Led to Targeted Email Malware Campaign #deep #web #search #engine, #hacker #news,


              #

              While we all were busy in the WannaCry ransomware menace, two separate data breaches have been reported, one in DocuSign, a major provider of electronic signature technology, and another in BELL. Canada s largest telecommunications company.

              In a notice on its website on Tuesday, DocuSign confirmed a breach at one of its email systems when investigating the cause of an increase in DocuSign-impersonating phishing emails.

              “A malicious third party had gained temporary access to a separate, non-core system that allows us to communicate service-related announcements to users via email,” DocuSign said in the announcement.

              What Happened?

              An unknown hacker or group of hackers managed to breach one of the electronic signature technology provider’s email systems and steal a database containing the email addresses of DocuSign customers.

              The attackers then used the stolen data to conduct an extensive phishing campaign to target the DocuSign’s users over the past week.

              The phishing email masqueraded as documents sent from another company with the subject line “Completed *company name* Accounting Invoice *number* Document Ready for Signature,” needing a digital signature from the recipient.

              What type of information?

              The company said only email addresses of its customers had been accessed in the breach.

              However, DocuSign assured its customers that no names, physical addresses, passwords, social security numbers, credit card information or any other information had been accessed by the attackers.
              “No content or any customer documents sent through DocuSign’s eSignature system was accessed; and DocuSign’s core eSignature service, envelopes and customer documents, and data remain secure,” the company stressed.

              How many victims?

              The number of victims affected by the phishing campaign has not been confirmed, but DocuSign encourages its customers to use the DocuSign Trust Center to help them protect themselves and their employees from phishing attacks.

              “Right now we are still acting on the results of our ongoing investigation and cannot comment on those details,” the company said.

              What is DocuSign doing?

              In an attempt to protect its customers, DocuSign has immediately restricted unauthorized access to its system and placed further security controls in place to hardened the security of its systems.

              The company is also actively working with law enforcement authorities on the investigation of this matter.

              What should DocuSign customers do?

              DocuSign recommended its users to delete any email with the following subject line:

              • Completed: [domain name] Wire transfer for recipient-name Document Ready for Signature
              • Completed: [domain name/email address] Accounting Invoice [Number] Document Ready for Signature.

              If you receive any suspicious email, you should forward it to the company’s spam address, advised DocuSign.

              Also, if the email looks like it has come from DocuSign, just do not respond to that email or click on any link provided in the message.

              Instead, access your documents directly by visiting DocuSign official website. and entering the unique security code provided at the bottom of every legit DocuSign email.

              The company also informed its users that DocuSign never asks recipients to open any PDF, Office document or ZIP file in an email. Last but not the least, always make sure your antivirus software is up-to-date.


              CollegeData: College Search, Financial Aid, College Application, College Scholarship, Student Loan, FAFSA Info, Common Application


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              • FEBRUARY 13 Registration deadline for March 14 SAT
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            • JUNE 30 Last date to submit FAFSA for federal aid for 2014-15 school year
            • AUGUST 7 Registration deadline for September 12 ACT
            • SEPTEMBER 3 Registration deadline for October 3 SAT & SAT Subject Tests
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            • SEPTEMBER 15 Last date to submit FAFSA corrections for federal aid for 2014-15 school year
            • SEPTEMBER 18 Registration deadline for October 24 ACT
            • OCTOBER 3 SAT & SAT Subject Tests test date
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              Ventura Wealth Management – Investment Advisor – Ewing, New Jersey #securities, #invest, #sec, #investors, #financial,


              #

              Ventura Wealth Management – Ewing, New Jersey (NVWM, LLC)

              The SEC Form ADV organizes client types into 13 categories. Ventura Wealth Management reports working with 5 of these 13 client types. The firm reports serving a total of 500 clients and 100 financial planning clients .

              If you’re looking for a particular type of Advisor, you can click the button below and use the filters to select a list a Investment Advisors based on types of clients served .

              Select Investment Advisors by
              types of clients >>

              Activities and Fees

              Areas of Business

              Advisory Activities and Services:

              • Financial Planning
              • Individuals or Small Businesses
              • Pension Consulting
              • Security Portfolios

              Other Advisory Services: No

              Compensation

              • Percentage of assets
              • Hourly charges
              • Fixed fees

              Other Fee Types: No

              Click here to select Investment Advisors based on types of fees charged

              Employees

              By Category

              Total Number of Employees

              Investment Adviser Representatives

              Licensed Insurance Agents

              Broker-Dealer Registered Reps

              Representatives at Ventura Wealth Management

              Financial Exams Passed

              Series 10 (FINRA), Series 31 (FINRA), Series 5, Series 63 (NASAA), Series 65 – (NASAA), Series 7 (FINRA), Series 9 (FINRA)

              Series 3 (NFA), Series 63 (NASAA), Series 65 – (NASAA), Series 7 (FINRA)

              Series 24 (FINRA), Series 51 (MSRB), Series 63 (NASAA), Series 66 – (NASAA), Series 7 (FINRA)

              Series 66 – (NASAA), Series 7 (FINRA)

              Series 66 – (NASAA)

              The largest firm in our database has 39,343 employees. Other firms report having no employees at all. On the Investment Advisors homepage you can sort and filter firms by number of employees. or select other advanced criteria.

              Select Investment Advisors by
              number of employees >>

              Disclosures

              Public Disclosure Statements as Reported on Form ADV

              The SEC keeps track of disclosures for the 24 categories listed below. With zero reported disclosures, Ventura Wealth Management has a perfect record. On the research topic home page you can view a pre-sorted list of all investment advisory firms with zero disclosures .

              False Statements or Omissions to SEC or CFTC

              SEC or CFTC Violations

              Business Suspensions, Restrictions, or Revocations

              SEC or CFTC Entered an Order Against Advisor

              Civil Money Penalty or Cease and Desist Orders

              False Statements or Omissions to Other Regulator

              Violations of Regulations or Statutes

              Enjoinments with Domestic or Foreign Courts

              Restrictions or Denials of Business

              Violations of Investment-Related Statutes

              Regulator Entered Orders Against Advisor

              Civil Action Dismissed by a Settlement Agreement

              Denials or Suspensions of Registration

              Subject to Any Civil Proceeding

              False Statements or Omissions to Self-Reg. Org

              Violation of Regulatory Rules

              Associated with Any Business Suspensions

              Any Professional Authorization Revoked

              Membership Suspensions or Expulsions

              Subject to Any Regulatory Proceeding

              Contact Info

              Principal Office

              Main Office Phone

              Main Office Fax

              Main Office Address

              200 Princeton South Corporate Center

              Ewing, New Jersey 08628

              Still searching for the right advisor? Try the Investment Advisors homepage, where you can sort and filter 40,118 Registered Investment Advisors by fee type, advisory services, location and more. You can click the button below to view all Advisors in New Jersey. or set the filter for more advanced specific criteria.

              See all Investment Advisors
              in Ewing >>

              References

              SEC and FINRA. Show details Hide details

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