What is a mortgage broker

By Jason Ruedy

Looking for a mortgage broker in Denver or Colorado, or even Pennsylvania?  If you're thinking of buying a home in the near future, the chances are very good that you'll need to qualify for and obtain a mortgage. Generally, you have two basic options -- deal with banks and other lenders directly, or hire a mortgage broker to do the hard work for you.

What is a mortgage broker?
A mortgage broker acts as a middleman between a homebuyer and mortgage lenders. The mortgage broker will assess the borrower's finances, find appropriate mortgage products, apply for pre-approvals, gather necessary documentation, complete applications, and advise clients on the right mortgage products for them.

The Advantages
Here are some of the potential advantages of working with a mortgage broker to help you obtain financing for your real estate purchase.

1. They'll do the rate shopping for you and get you the best deal: This is undoubtedly the biggest advantage of hiring a mortgage broker. Too many homebuyers simply obtain one mortgage quote from a bank and accept it, even though you can apply for as many mortgage quotes as you'd like without adversely affecting your credit. A small difference in mortgage rates can save you thousands of dollars in interest over the life of a mortgage, so it's worth it to shop around.

The obvious problem with this is that mortgage applications can be long and tedious to complete. Applying for five different mortgage pre-approvals can easily take the better part of an entire day to do. With a mortgage broker, all of this work is done for you.

2. Mortgage brokers are more accessible than bank loan officers: Just like your real estate agent, the mortgage broker works for you and doesn't get paid unless you close your loan. For this reason, mortgage brokers tend to be more accessible to buyers than bank employees. When you have questions along the way, it's generally easier to get the answers you're looking for from a mortgage broker.
3. Many lenders work exclusively with mortgage brokers: Some of the big banks don't work with mortgage brokers anymore. Conversely, there are some mortgage lenders that only work with brokers. So, your mortgage broker could have access to loan products that you don't.
4. Mortgage brokers can get lenders to waive some fees: Mortgage brokers can often get lenders to waive some of their fees, such as application, appraisal, and origination fees.  This can save you hundreds of even thousands of dollars.

My name is Jason Ruedy, and I am The Home Loan Arranger.  I’m a licensed mortgage lender in Colorado and Pennsylvania.  I focus on mortgages for residential properties only. 

I specialize in purchase, refinance, cash-out, and debt consolidation loans.  I have a strong understanding of A paper loans consisting of credit scores over 600, and sub-prime loans with credit scores down to 350. 

I carry 24+ years in the mortgage business and have been ranked #1 in state of Colorado, and top 24 US loan officer.  I’m a boutique mortgage lender. 

I’m the only loan officer who originates for my company.  That means I’m relationship based.  I will always work on your file, and you will get my 24+ years experience.  Because of my business model, I have closed 4-5 loans for some of my clients – its relationship based. 

The structure of my company allows me to offer some of the nation’s lowest interest rates.  That becomes a big advantage for my clients, because they get the lowest rate. 

I like what I do for work.  I like helping and seeing my clients get into their dream, or maybe consolidating debt and putting them in a better financial position.  I am honored to be part of this community, and to get my clients the best home loans and terms.

Jason Ruedy, also known as the Home Loan Arranger has had 20+ successful years in the mortgage business.

Please visit Jason Ruedy on his other websites;

Jason-ruedy.com

Jasonruedy.com

AboutJasonRuedy.com

JasonRuedyInfo.com

Jason RuedyBlog.com

Making a Website Browser Suitable

Nowadays, the market is flooded with assorted Net browsers. Each one of them is freely fake and targets different viewers. We, as website designers, will surely want each surfer to view any website "the way we see it" - with minimal dissimilarities or any difference at all. The key for this lies in proper and correct web development from the very first moment and keeping to a number of important guidelines manifesting themselves throughout the website building process. Most websites is created with respect to the requirements of the most popular and wide-spread Internet browsers, such as Internet Explorer and Mozilla Firefox. Fit - how do we attempt to make our website look the same regardless of my browser size use?

The first and the most exceptional issue is working with tables. Furniture is a simple and convenient tool for free content placement, and a creative website developer may reach complex results by building inner tables and wise content arrangement. A single of the main dissimilarities between browsers is really desk size default values. Essentially, each cell needs to have level and width settings. In case these settings haven’t been defined, an internet browser may "think" there are not any such settings and stimulate its own default ideals - and different web browsers have different default principles. A table without having described size values look one way in Internet Browser, whereas Firefox is centered on a different technology and will display the table in a different way unless you totally define the table's sizes. Thus, it is essential to define how big the table and its skin cells. It would be enough to specify values for one cell, that is valid for the complete row or column. Working in such a way will prevent you from unnecessary problems because all values are numerical and might be known by all existing internet browsers. Another useful tip is related to table size each time a table has a background image. Be sure to fit image size to table size, so that it will not be cropped (if is actually larger than the table) or repeated (if really smaller than the table).

Another outstanding difference is working together with spaces, which comes after from exactly the same reason. The space figure in one browser may be one pixel extensive, within browser - a number of pixels, while in the third one there may be a restriction after displaying more than one space in a row. Some web browsers could even treat a solitary space as a series break. Besides, a space is not a proper character and one should not move the text message by means of multiple space insertion. The general guideline is - never use more than one space in a row! For the purpose of moving and pushing text around, use centering and alignment tools, indentation changes or place your content in desks. You could enter the webpage editor and choose the complete content by pressing CTRL+A. Redundant spaces and series breaks will appear as contentless "blocks", colored unknown. It is strongly suggested to remove them.

x

Why TEFL for Millennials is the perfect career choice

by Joseph Francis
MyTEFL Reviews can be found on our websites;
An escape from the rat race, plenty of job opportunities, and (maybe most importantly of all) a chance to travel and see the world – there are oodles of reasons why TEFL for Millennials might just be the perfect career choice…

Because Millennials love to travel

Upwards of 80 million Millennials in the United States say that that they’ve traveled in the past 12 months. That’s…all of them. So, to put that another way: 100% of Millennials have planned a trip in the last year. Now if that tells us anything, it’s that travel is a pastime of choice for pretty much everyone who still clings to that tenuous self-description of youth. And what profession do we know of that lets folk travel, perhaps even more than any other? Darn tootin’ it’s TEFL; TEFL for Millennials, tailor-made.

Because it isn’t tourism!

The word “tourism” gets a bad rap these days. Conjuring images of sunburnt bodies and all-inclusive hotels, it’s come to signify the sort of way generation Y is determined not to see the world. Don’t just take our word for it though – stats reveal that as many as 78% of younger travelers are determined to have a more adventurous, authentic, local experience abroad than traditional package vacations allow. That’s important because it highlights one of the main reasons TEFL for Millennials could be the perfect choice of career: It means participating, actively, in places; working, living and sharing in the local community.

Because it lets you learn as you go

It seems the thirst for knowledge is alive and well in the Millennials of today. 80% of young travelers say they want to learn something whenever they go abroad. And while that could mean mastering the ins and outs of the Thai kitchen, or getting your carving right on the ski slopes, we think it’s also a nod to the more lifelong education of getting to grips with nuanced religious customs or a different language – both central aspects of the TEFL life if ever there was any!  

Because it’s booming

The fear of leaving college without a job hangs heavy over many an undergrad, especially post-2008 and with the onset of the global turndown. TEFL has proved itself somewhat immune to all that, though, with 1.5 billion English learners now estimated around the globe, and increases in the number of private schools from China to Colombia, Italy to France. Yep, it’s not all about sating the wanderlust and gaining meaningful experiences in spots across the planet. There’s job security here. And career progression prospects, too.

Because it’s easy to get qualified

One of the best pieces of news when it comes to TEFL for Millennials is that you’ve probably already done most of the training you need to get into a classroom. You speak English, right? (Well, you’re reading this article, so that’s safe to assume.) That’s the fundamental skill that’s needed. Now all you need to get is that 120-hour certificate, one you can usually study entirely online. Alternatively, if you’re itching to get out and about, you can do your training while working – myTEFL have plenty of internship programs that get you through the necessary teacher training whilst living in awesome destinations like Thailand, China or South Africa. You don’t even need a BA degree to set the ball rolling!

---

If you can think of any other reasons why TEFL for Millennials is the top career choice, we’d love to hear your thoughts in the comments below. Or, if you’re ready to get qualified and get your Millennial self out there and teaching, be sure to check out the courses we offer.

MyTEFL Reviews can be found on our websites;

mytefl-reviews.com

mytefl-reviews.org

mytefl-reviews.net

mytefl-reviews-info.com

mytefl-reviews-blog.com