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Not Your Grandma’s Loan Process- The Age Of Electronic Loan Origination Systems
By Melissa Peterman


You and your partner are ready to jump in with two feet and buy the house of your dreams but you have hit the ultimate road block; how do you get the best mortgage loan possible? Especially now with the mortgage lending crisis, there is no way mortgage lending will ever be the way it was. Will you be able to get the loan you are looking for? When applying for a mortgage loan, the funding can come from all over the country through a variety of lenders from primary banks to secondary lenders and even third party lenders. Where does one begin to know where and who to borrow from?
 
Back in the day, more than 90% of mortgages were in one form: the 30-year fixed rate mortgage, and that was how our grandparents and most of our parents bought their homes. Back then, there were not a lot of questions about how a home buyer would be able to purchase a home. Our parents and grandparents only needed to qualify for the mortgage and wouldn’t need to get extra financing. Times are different now and houses are drastically more expensive than they used to be. Several different steps have been added to the basic question of “Do you qualify?”
 
First of all, you need to have good credit and that will allow you to just apply for a mortgage loan. The next important thing to do once you have established good credit is to do your research. Once you have found a couple lenders and filled out their loan applications, you wait to see what kind of interest rates you can get from each lender. Lenders are required to give you a report within 3 days of receiving your application.
 
But now, the Internet has changed everything about loan applications. The Internet has changed the way banks prescreen for loan lending. Now, lenders are

linked to electronic loan origination systems able to prescreen applicants for loans in a matter of seconds, helping you and the lenders make loan lending easier and faster.
 
It used to be that if you even qualified for a home loan, you would have to wait days while a credit report was compiled and then several banks and lending houses would be notified via telephone or even snail mail to see who could get you a good interest rate loan. Now, all the long days and sometimes weeks of waiting to which lending house will give you the best loan is long gone. The day of the internet is here and loan prescreens are now instant.
 
Once you have received reports from several lenders, you need to ask each one of them about
 


  • Closing costs

  • Fees

  • Points

  • Appraisals

  • Insurance

  • And more


 
As much as you are ready to buy a home both mentally and financially, if you don’t do thorough research, you may find that you are paying ridiculous fines that could have been avoided. A house is one of the biggest investments you will ever make in your life- it pays to do your homework.

By: Melissa Peterman

Article Directory: http://www.articledashboard.com

About the author:Melissa Peterman is a web content producer for Innuity . For more information about loan origination systems in the mortgage lending world, go to ZootWeb


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Christmas Gifts For Cats And Lovers
The act of offering Christmas gifts is always enhanced if you take some trouble in matching the gift with the recipient. Sometimes, though, it is not as easy as it may seem, especially if the gift is for someone you have not seen very often throughout the year; or someone whose tastes you do not know that well. If that person is a cat lover, though, it is something you are probably aware of...
Dealing With Pet Allergies
It is Winter time again, a time of the year when pets and humans are very vulnerable to each other. As this is obviously the chilliest time of the year, animals are much more likely to be cooped up inside the house with us. All of the windows and doors are closed to the world and the heat is blasting around the clock. These are exactly the conditions which make our winter homes playgrounds for...
Flea Control for Dogs
There are many different methods of flea control. If you have a dog, flea control is an important part of being a responsible owner. After all, no dog likes to have fleas, but often it happens anyway. For most dogs, an occasional flea dip, or a bath with flea-killing shampoo is enough to keep the problem under control. However, if that doesn’t work for flea control, it might be necessary to try...
Pet Healthcare
Cat and dog fleas are more than just an itchy nuisance, fleas are a health hazard to animals and humans alike. Fleas carry diseases, Anemia, dermatitis and harmful parasites, like tapeworms, are just a few to name. It's not only kind but important to keep pets fleafree. Fortunately it's a relative simple procedure to keep your pets free of fleas and their associated diseases by using effective...
Cat Training Collar
Cat like dogs, you will need to get a collar for your cat. There will be times when you will want to walk the cat or let your cat out on a leash. With having a collar it will be easy to do both of these. Collar training does take time, patience on both cat and your part. If your cat has never worn a collar, you will need to take the training step by step. Let us look at getting a collar for...
Multi Purpose System Simplifies Cat Feeding Scene
The new NekoFeeder™ feline feeding system, allows a cat with normal weight full access to food anytime for self-feeding. A special trap door prevents an overweight cat, a cat with allergies, or a hopeful dog away from the food supply. The system includes a large, high-quality cat carrier and feeding box outfitted with a specially designed swinging door. The new NekoFeeder™ feline feeding...
Purr Detector Cat Collar Glows When Cat Purrs
A California company has developed a cat collar that glows whenever the cat purrs. The collar can also flash for improved safety and visibility when the cat is outside at night. (PRWEB) August 12, 2005 -- A California company has developed a cat collar that glows whenever the cat purrs. The Sound Guy, Inc., of Seaside, California, has developed the Purr Detector lighted cat collar. In...
8 Ways to Control Dog Fleas
There are numerous products that will kill adult fleas on your dog. However, they vary in the duration of their effects. 1. Flea shampoos, sprays, and powders. Most products will kill any fleas present on your dog at the time of application, but many have no lasting effect - your dog may have more fleas within 24 hours of being treated. When using a flea shampoo, always begin on the dog's...
Animal Lover Gift Ideas
Animal Lover Gifts come in many shapes, sizes and price ranges. The easiest way to shop is to start with the correct "Critter Category!" If you are buying for a varied-critter home, try a Gift Certificate to a major Pet Superstore. This gift is greatly appreciated as your family member or friend can pick out a wide variety of food, bedding, treats and/or supplies for their 4-legged...
In sickness and in health
Medical histories now can be included in a pet’s collar — saving time, and maybe lives A medical-information packet finding favor among motorists and motorcyclists is now going to the dogs. A Central Point company called Rescue Facts, which unveiled a medical-information packet for seat belts this spring, now is marketing a similar fact-sheet fastener that can fit onto dog and cat...
Beastie Boutique Pet Pampering
Beastie Boutique is all about pampering your pets – canine or feline. This upscale online boutique has a collection of fun and unique gift items you can purchase for your pet, including breed specific items, carriers, spa and perfume items, collars, leashes, bows, designer toys, bakery items, treats, and gift items. Ridgefield, WA (PRWEB) April 27, 2005 -- The Boutique is continually growing...
Cat Behavior Training
Learning cat behaviors before you start training them would be an good idea for anyone that is going to train a cats behavior. A cat can jump and lands on its feet as this are a natural instinct for a cat. When a kitten is first born, the cushion in a kittens paws are not developed with the cushion to land on its feet. It takes about 7 wk to develop the cushion in a cats paw for landing. A...
Cat training for sever weather
Ever wonder if you should be training a cat for sever weather? Yes a cat can be trained for sever weather. First, make sure that the cat has been to the vet for check ups and vaccines. This first will protect them from illness that they pick up during some natural sever weather you may be parted from your cat and this is a good protection that you can give them. Make sure you train a cat to...
Change of Season Dangers for Pets and Owners
You know not to leave your pet in the car, but do you know of the other pet hazards that come with the new warm weather? Here are some tips to keep summer safe for ALL the family. (PRWEB) May 16, 2005 -- For most of us, we look up one day and it is suddenly summertime. With this change of season for you comes some changes for your dog or cat too. There is a spike in the number of lost dog...
Finally A Way To Prove Your Pet Is Really The Cutest In The World
Is your cat the sweetest, most adorable pet in the world? Is your dog’s extraordinary cuteness more than obvious, even to those without your natural bias? If you answered yes, a new website, ThePetStar.com, thinks it’s time you and your dog or cat join this new online pet community and interactive contest and receive the recognition you deserve. Launched on September 1st, ThePetStar.com...
GPS Pet Tracking
If you have a dog or cat that is an escape artist with cross-country travel on its mind, you might want to consider a GPS pet--tracking device. The same technology that enables rangers to follow tagged animals will allow an owner track straying or lost pets. You can choose either a collar design or a backpack type that works with a harness. Before you rush out to buy a GPS pet--tracking...
How to Train Your Cat on a Leash
Is it possible to train a cat to walk with you? Yes it is and not hard to do. Patience, practice, time, and you will be walking with your cat soon. The best time to start to train a cat to walk with a leash is when it is a kitten. When a kitten is small, needs to be taught the correct behaviors. Molding a kittens behaviors is just as if we would do with children. They are new to the behaviors...
Leash Training Your Cat
Leash training, like any other training, a cat will require the proper tools, research, patience and good reinforcement. Cats are intelligent and sensitive which you will never want to use force or physical threats on a cat. Any of the force behaviors that you use on the cat will only result in a cat fearing you. You will be the one that will have to change the behavior in positive...
Make Your Home Cat Safe How To Keep Your Cat Happy and Healthy
* Lock things up that could cause harm * Keep the washer/dryer door closed at all times * Honk the car horn before starting it up * Use fire carefully * Keep all upstairs windows closed or screened * Store string away tidily * Keep floors free of small things * Be constantly aware of what your cat is doing Curiosity gets most cats in trouble at some point in their lives. As your cats...
Oriental Shorthair Cat
The Oriental Shorthair cat can be an extraordinarily devoted and loving companion. More than anything else, they want a person, or family, to whom they can give their wholehearted devotion. The Oriental Shorthair is a solid colored Siamese. From the beginning, breeders of pure Siamese saw the occasional solid colored kitten, frequently a deep seal brown. In the beginning, no one was very...
Pet Pampering Business is Booming
Pet Pampering Business is Booming by Sharon Glorsky http://SheratonLuxuries.com Its no secret that Americans love their pets. In fact, we spend billions of dollars every year on feeding, grooming, and vet visits, as well as toys and other pampering supplies. Chances are your town even has some kind of gourmet retail outlet for dog and cat treats. Its a fact that the pet industry is booming...
Pet Tracking Devices
It was the Saturday morning of August 20, 2004 and my two kids saying that they couldnt find our cat Nala anywhere waked me up. I didnt pay much attention, because it was common for her to find a new hiding spot and sleep there for hours. Hours later we realized she was really missing and we started to search for her. We looked all over the house, inside the closets, behind furniture, and then...
Reflections on Selecting a Cat Door with a Keyed Entry for His Highness
Our cat, Ghanji, has a boxing buddy that is so bold as to use the cat door to come in and help himself to some munchies … and spray some of his scent around to annoy the master of the house – and us as well. Failing to determine if this was a neighbor's cat or a wild thing, we enlisted the guidance of the local animal shelter. They loaned us a cage to capture the culprit so they could change his...
Show You Care Neuter Your Cat
The hordes of homeless and feral cats everywhere are growing by leaps and bounds, and finally people are beginning to wake up to the necessity of neutering their cats. Population Explosion Because cats can reproduce several times a year, and kittens mature quickly, just 2 feral cats (the wild offspring of domestic cats) can quickly become 2,000. In fact, the feline reproduction statistics...
The Perfect Holiday Gift for Every Cat Owner
New cat toilet training kit takes the worry out of what to get your cat loving friends and family this holiday season. New York, NY (PRWEB via PR Web Direct ) November 29, 2005 — Forget the mouse filled with catnip, the new rhinestone collar or the salmon-flavored treats: the best holiday gift for America’s 90 million cats and for their owners is CitiKitty, the toilet training kit for cats....
Travelling with your cat
Whether it be by car, by train, by airplane or boat, its not always easy to travel with your cat. It is necessary to always arrange certain things in advance - the tickets, an adequate kennel, tranquilizers, and water - in order to assure him maximum comfort and avoid any irregular meowing during the many hours of travel… Cat shows, week ends in the family cabin, or big vacations… For a...
Wear Animal Jewelry for an Alluring Natural Look
Looking for a design thats chic and at the same time unconventional? Try your luck at animal jewelry. Far from being tacky or inelegant, animal designs are actually rather distinctive. Finely crafted jewelry with animal motifs lends a mysterious air to the person who wears them. Graceful jewelry patterns can be achieved with animal motifs. Dolphins, snakes, swans, and other beautiful beings...
Does Your Pet Wear a Cat Flea Collar?
Do you believe that you are doing the best you can for your pet by buying a cat flea collar for her? I certainly do but have you noticed that most cat flea collars don't seem to work? They don't seem to last for a day let alone the three or four months that they claim they will. I've no idea why this is the case but I can suggest some different ways of dealing with the problem...


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