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Invest In a Larger Down Payment For Incredible Yields With No Risk
Consumers looking to purchase a home in the near future face many decisions, including how large a down payment to make. The down payment is the sale price (confirmed by an appraisal) less the loan amount. In most cases, home purchasers must have financial assets at least as large as the down payment they make.
12/31/2014 6:39:59 AM
Top Five Reasons a Mortgage Broker Is Better Than a Bank
So, you've decided to buy property and can't decide whether to use a mortgage broker or go directly to your local big bank? Perhaps you can't decide because you don't really know the difference between a mortgage broker and your bank's loan officer?
12/30/2014 2:11:30 PM
What Lenders Look For During the Mortgage Application Process
This article discusses the criteria that a mortgage lender evaluates before they approve the borrower for a mortgage. A mortgage is approved after the lender makes sure that the person is going to able to pay back the full amount.
12/26/2014 12:39:13 PM
Should Seniors Buying a House Do It With a HECM Reverse Mortgage?
In 2008, Congress authorized the HECM for Purchase program, under which seniors can buy a house and take out a HECM reverse mortgage at the same time. This article summarizes the pros and cons of using a HECM for purchasing a home.
12/23/2014 3:19:43 PM
Use a Refinancing Calculator to Determine What The Best Option Will Be
When people are in a mortgage or they own a home, they may choose to refinance in order to get a lower payment or to do repairs to their home. This is something that is quite common for people to do after they have paid on their home for any length of time. A refinancing calculator is going to help them determine what their payments will be with al...
12/19/2014 6:36:21 AM
Reasons For Hiring A Mortgage Broker
There are ways on how you can purchase the property you want. In fact, there are experts who can help you.
12/16/2014 11:25:34 AM
How To Find The Right Mortgage Lender
Loan plans and qualifications can vary from one lender to another. This means that you will need to do your homework before choosing a mortgage lender to give you the financial support that you are looking for. The fact is that they have increased in numbers and they are not limited to banking institutions. By looking at all your options, you will ...
12/16/2014 7:13:21 AM
What Is a Mortgage Broker and Mortgage Consultant - Why Should I Care?
Have you been thinking about using services of a mortgage broker but skeptical about the strings attached? If you have decided to buy a home, and would like to qualify for a loan that fits your needs, don't miss out on reading this piece to gain a better understanding about a range of benefits that come with soliciting services of a mortgage broker...
12/12/2014 12:25:48 PM
Planning on Buying a Home or Refinancing? Avoid These Top 10 Mortgage Mistakes
Getting a mortgage or refinancing a home isn't always easy; besides being one of the most significant events in our lives, at least financially, it can also be a time consuming. Avoid the following 10 mortgage mistakes and keep your credit score high; if you do, you can avoid qualification problems, higher than necessary rates and even getting decl...
12/11/2014 6:42:33 AM
The Skinny On FHA Loans
The combination of low rates, low down payment, and flexible lending guidelines have made it one of most attractive loans for home buyers today. It may help you save money and possibly qualify for a larger mortgage.
12/10/2014 12:03:28 PM
Separating Mortgage Note Experts From Novices
Separating the talkers from the doers. Experts compared to novices. Mortgage note specialists. What distinguishes the mortgage note expert? Talking about doing is not the same as doing it. Organizing and planning.
12/9/2014 12:03:14 PM
USPTO First To File Roadshows
Via this USPTO webpage: The USPTO will be hosting seven half-day roadshows across the country during September-October 2014 to increase the understanding of the First Inventor to File (FITF) provisions of the America Invents Act (AIA). In prosecuting patent applications according to the FITF provisions since March 16, 2013, the USPTO has recognized...
9/23/2014 11:03:31 AM
Adobe Acrobat Tips for Patent and Trademark Practitioners
Here are some helpful posts for patent and trademark practitioners on the use of Adobe Acrobat: Acrobat for Legal Professionals Blog (ALPB) on Converting Color PDFs to Greyscale or Black and White. ALPB on Converting Color PDF to Greyscale PDF (An Update). ALPB on Acrobat 8: New Examine Document Feature. ALPB on Creating Email Portfolios …
9/22/2014 11:40:09 AM
Free/Low Cost IP Statute Supplements
It used to be that almost every intellectual property attorney would personally have a printed copy of all of the U.S. patent, trademark and copyright statutes sitting on their desk. Every year, a new edition would be bought to replace the old edition… These compilations are not inexpensive. For instance, a softbound copy of “Federal &#...
9/12/2014 12:58:43 PM
The use of “characterized in that” in claims filed in the United States
PCT Rule 6.3(b) states that: Whenever appropriate, claims shall contain: (i) a statement indicating those technical features of the invention which are necessary for the definition of the claimed subject matter but which, in combination, are part of the prior art, [and] (ii) a characterizing portion-preceded by the words “characterized in tha...
9/10/2014 11:27:43 AM
Upcoming USPTO Webinar: “Patent Litigation Tool Kit”
The USPTO has announced a new webinar entitled the “PATENT LITIGATION ONLINE TOOL KIT”: Main street business owners and consumers have received letters accusing them of using a patented invention, along with demands for money to settle the dispute. The USPTO will be hosting a webinar discussing the Patent Litigation Online Tool Kit (ple...
9/4/2014 10:03:23 AM
Patent Application Paragraph Numbering in Microsoft Word
Rule 1.52(b)(6) provides: Other than in a reissue application or reexamination proceeding, the paragraphs of the specification, other than in the claims or abstract, may be numbered at the time the application is filed, and should be individually and consecutively numbered using Arabic numerals, so as to unambiguously identify each paragraph. The n...
9/3/2014 10:55:16 AM
Does Idaho need a Patent and Trademark Resource Center?
Did you know that there are currently three (3) U.S. states which do not have a Patent and Trademark Resource Center (PTRC) (f/k/a Patent and Trademark Depository Libraries (PTDL)). The states: Idaho, New Mexico, and Oregon. That list may soon change. Per an email I received today: Albertsons Library at Boise State University is investigating the &...
7/23/2014 3:20:39 PM
What is the most current Java version for EFS-Web/Private PAIR?
According to an email I received from an agent at the USPTO Electronic Business Center earlier today (8 July 2014) – Java Version 7, Update 60 is the most currently supported version. How do you tell which version you have installed? PC – go to Settings, then Control Panel, and select Java. On the “General” … 7/8/2014 11:05:05 AM
Gmail users should check their SPAM folder for USPTO email
Gmail (and Google Apps) users beware! Gmail’s spam filter has been flagging official email from the USPTO as spam. Email flagged as spam skips your inbox and is labeled with a “SPAM” label. That could be disastrous to your docketing plans… In case a reminder is necessary: everyone in your office needs to check their … ...
4/24/2014 4:59:34 PM
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