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MORTGAGE BANKING AND RESIDENTIAL REAL ESTATE FINANCE By the Masters of the IndustryMortgage Banking and Residential Real Estate Finance is a compilation of 21 chapter articles written by 19 different contributors each a specialist in his own field related to mortgage finance. In a growing industry where the annual volume of sales measures in the trillions of dollars, it is virtually impossible for any one person to grasp all of the knowledge of the various professions that go into making up a real estate mortgage closing. Today Mortgage Banking organizations are so vast that the job descriptions at the working level become extremely narrow. With so many specialties involved in the business, cross training among the professions becomes problematic. These vast firms have entire departments to handle, for example, collections. Within the collections department there might be a dozen specialists that handle only loans more than sixty days past due. How broad will the scope of knowledge normally be for a person in such a position? How could it be possible for this person to have a working understanding of perhaps automated underwriting, loan closings, credit scoring or real estate valuation. But wouldn't it be better if that person in the sixty day past due department had a broader knowledge of the industry in which he or she works? Wouldn't it even be better if that person only had a better understanding of the workings of the mortgage servicing department of which he or she is a part? In addition to its appeal as a tool for mortgage related organizations to educate and cross train their people, the contributors have made every effort to write at a level that a lay person can understand. To the majority of the general public the purchase of a home is the single largest financial transaction they will ever make. Due to the intricacies and complicated nature of mortgage finance it is not difficult to make an expensive mistake when entering into a home financing transaction. This book discusses every part of the loan transaction including closings, conforming versus non-conforming loans, title insurance, loan amortization, and a myriad of other related subjects. A homeowner or homebuyer can use this book as a guide to working his way through the financing transaction and learning the difference between adjustable rate loans, fixed rates, balloons, and home equity loans. In fact, it goes farther than just the financing transaction by explaining in great detail home inspections, real estate valuations, title insurance and hazard insurance. These are all items of great importance on which a prospective home buyer will spend a great deal of money. As opposed to making them mere expense hurdles a person must jump through in order to close on their purchase, this book makes them living topics which can provide critical information worth fortunes if used correctly. Mortgage Bankers, Real Estate professionals, homeowners and home buyers will profit by learning the lessons in Mortgage Banking and Residential Real Estate Finance. Nowhere else in literature today is this much practical knowledge about the industry, written by such knowledgeable and experienced professionals, available in one place. |
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DIAMONDS & CUBES Nick Anthony is the owner of a firm in San Diego called Market Makers, where he rents out work stations to a bunch of these trading junkies. When Fed intervention brings the markets to a screeching halt, pummeling the value of world stocks and throwing the economy into a deep recession, several of Nick’s best people are hurt badly and may face bankruptcy. Nick not only agonizes for damage he sees done to these good people, but he decides to do something about it. All of a sudden the idea of trading on inside information, which is strictly illegal, begins to have a great deal of appeal. From the office of Market Makers the conspiracy is hatched. This uniquely trained and educated group, armed with varying degrees in law, finance, and Information Technology, along with years of experience in the securities markets, sets about to build a worldwide network of corporations and trading accounts to make their activities in the securities markets untraceable. The plan takes a serious detour when the group fronts a transaction for a character in whom the FBI has an interest. Nick does a juggling act between running Market Makers, being a devoted father in a split marriage, and promoting his love interest with the beautiful Sarah Palmer. In Diamonds and Cubes the action takes place on the trading floor, across the globe, on-line, and the bedroom. Click here for excerpt of Diamonds & Cubes |
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FATHERS CLUBThe action heats up when a clear vote of support is given by SEAL trained Jake Hairston, the County Sheriff. His no nonsense approach to cleaning up the problem has the drug dealers and crooked lawyers running for cover. Get ready for some fast moving action as The fathers’ Club cuts a wide swath through this drug infested territory. In the sleepy central Florida town of Moss Creek, drug use among teenagers has become an epidemic. Drug overdoses and school truancy are daily occurrences and the law is doing nothing about it. Frustrated by a slow moving and corrupt judicial system, a small group of vigilante parents decides to take matters into their own hands. |
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