Stated income and no income no asset mortgages making a resurgence after 5-year hiatus

After disappearing from the mainstream mortgage market for nearly 5 years, stated income and no income mortgages are finally making a comeback.

You may remember stated income loans – these are the ones in which borrower state their income on the loan application but are not required to provide supporting documentation such as tax returns, paycheck stubs or W-2s.

Primarily used by business owners with generous write-offs up until late 2006, stated income loans are now available for both self-employed and W-2 employees. The general guidelines for stated income loans are as follows:

Up to 70% loan-to-value Loan amounts up to $1,000,000 Minimum credit score of 700 Property must be located in California Debt-to-income ratios not to exceed 40% Property must be the borrower’s primary residence Purchase, rate and term refinance, or cash out refinance allowed Single-family homes, condominiums, townhomes and 2-4 units properties The income stated must be reasonable in relation to the position of employment No tax returns, W-2, paycheck stubs, or 4506-T are required Borrowers must be U.S. citizen or permanent residents Self-employed or W-2 employees allowed

Unlike a stated income loan, where the borrower is required to state their income, on a no income mortgage the income section of the loan application is left blank and the borrower’s debt-to-income ratios are not calculated.

No income mortgages are available for both self-employed and W-2 employees, and may be used to purchase or refinance a primary residence, second home, or investment property. The general guidelines for no income mortgages are as follows:

Up to 65% loan-to-value Loan amounts up to $2,000,000 No minimum credit score required Property must be located in California Borrower may finance up to 3 properties under this program Purchase, rate and term refinance, or cash out refinance allowed Single-family homes, condominiums, townhomes and 2-4 units properties allowed Primary residence, second home or investment properties allowed No tax returns, W-2, paycheck stubs, or 4506-T are required Income section on the loan application is left blank Debt-to-income ratios are not calculated Self-employed or W-2 employees allowed Borrowers may be U.S. citizens, permanent residents, or foreign nationals

This is the perfect opportunity for people who are unable to qualify for a traditional full documentation mortgage to purchase or refinance a primary residence, second home or investment property.

For more information on stated income or no income mortgages, call Lenderline at 1-888-661-7888 or go to www.lenderline.com for more loan programs.

Interviewing Your Contractor

Before you even consider calling a contractor, you need to know exactly what you want him to do. First of all, go online and see what is available in your area. You will want a contractor that is easy to reach, and if you have to leave a message, how long will it take him to return your call.

Then make a list of the projects that youll want the contractor to tackle. If the list is long, try to narrow it down to the essentials. Then pick four or five local contractors and give them a call. Ask each one similar questions so you can judge the one that seems the most honest, qualified, and reliable.

On your list write the contractors license number, workers compensation number, and bond number. Dont hire a contractor until you have those numbers in hand and contact the agency to see if his licenses are still valid or have they expired? Does the contractor have a printed contract with his name, address, phone, and license numbers?

Is the contractor qualified and has he done a job like yours before? Does he have references, and can you contact them? How long does he estimate that the job will take to complete and when can he start? Keep definite dates in mind, but allow for a bit of leeway.

Now that youve narrowed the list down to two or three, contact the contractor again and ask for an interview and a price quote. Make a note if the contractor arrives on time, or if he runs late, does he call you to let you know he is running late. If a contractor fails to do that, forget about him, and go on to the next one.

How and when does the contractor expect payment? There are laws that state how much a contractor can collect as a down payment. Make sure you know the law and hold the contractor to it. For instance the law forbids a company from taking over 10% or $1,000 as down payment.

Before you sign on that proverbial dotted line have the due dates written on the contract. For instance, the second payment may be due when they deliver the material. There may be additional payments with the final due when the project is completed to your satisfaction.

Does the contractor hire sub-contractors? If so make sure they get paid. Otherwise if the contractor does not pay the sub, they can come back to you and demand payment or put a lien on your home.

Be cautious, but not demanding, and when they start the job stay out of their way and let them do their job.

Get An Extremely Compensated Job As Mcitp Business Intelligence Developer

MCITP Business Intelligence Developer would help you increase new capabilities in the expert world because MS is considered to be the most innovative and creative company. Therefore, a fast increase in your job efficiency is a guaranteed assurance after you complete MS MCITP Business Intelligence Developer examinations.

If you are a beginner MS expert and want to add an aggressive advantage to your CV, then MCITP Business Intelligence Developer would give you a perfect head start also. You will get greatest possible prospects as compared to your colleagues because of your educational qualifications such as MS MCITP: Business Intelligence Developer and hence would be recommended by the business employers.

Microsoft Certified IT Professional: Business Intelligence Developer (MCITP: Business Intelligence Developer) is the premier certification for business intelligence system designers and developers. This certification demonstrates that you can design analysis solutions, data transformations, and reports.
Business intelligence developers design and implement multi-dimensional database models (logical and physical), data marts, data warehousing, data transforms, data analytics, and reporting solutions.

Overview of Exams
The Microsofts MCITP Business Intelligence Developer certification is the best certification for business intelligence system designers. This MCITP certification allows the individual to get more and more knowledge about multi-dimensional data source models, details marts, details warehousing, details changes, details research, and verifying alternatives. This contains coding and personalizing servers that use Multidimensional Movement (MDX), customer changes, and customized confirming alternatives. Company intelligence designers are typically employed by mid-sized to large-sized companies.

MS Abilities Tests for MS SQL Server 2005 help company intellect designers concentrate their examination planning training and find studying sources.
MCITP: Business Intelligence Developer applicants must first finish the specifications for the MCTS: SQL Server 2005 Business Intelligence qualification which needs only one examination, Exam 70-445. Then qualifying the examination “PRO: Developing a Business Intelligence Remedy by Using Ms SQL Server 2005”, Exam 70-446 is enough to get the MCITP: Business Intelligence Developer qualification.

If you want to know more about this qualification, please check out the Microsofts MCITP qualification web page.
Advantages

Most of the supervisors believe that MS qualification is very important to boost the efficiency of their workers.
MCITP: Business Intelligence Developer qualification certified experts have more innovative skills to provide higher levels of service and efficiency. It provides the aggressive benefits to the Company.
MCITP: Business Intelligence Developer qualification is beneficial for experts who have initial-level qualifications in relevant technological innovation to update their experience and get acknowledgement from the market.
Certification also provides re-training possibilities so current workers can work more successfully with new technological innovation.
Most of the companies want to seek the services of an MS qualified Expert because he will be officially efficient professional who has hands-on experience and in-depth knowledge.

Architecture Within The Leicester Area

Most people walk around their towns or cities and pay little to know attention to the architecture and design that has gone in to the builfings that are all around them. The architecture that is all around you is overlooked by many and has to be one of the most overlooked art forms there is. Let’s take a look at architecture Leicester for example.

Leicester like many towns and cities in the UK has a long history which in this case is known to go back to pre Roman times. While Architecture Leicester can be traced back through hundreds of years there is understdably no buildings left from this era. Even though this is the case there is still a lot of historical architecture in Leicester. Most of the design stages that have been popular in the UK can be seen on it’s streets.

There is one family that is known for it’s work over the years and it’s influence on architecture Leicester is in plain sight for anyone to see. The first Goddard’s are believed to have moved to the area in the late 1700’s and their decendants are the ones who have had a big impact on architecture Leicester. In those early years of the Goddard’s influence on architecture Leicester they were mainly working on agricultural buildings and housing for the famr workers, one of the first buildings other than this was The Fish and Quart pub which although built in 1832 still stands to this day. The Goddard families influence on the architecture Leicester can be seen all over Leicester as they have managed to stay current with the styles and fashions of the time over the years.

Architecture Leicester while it has changed as with other old places in England has followed certain trends and taken many influences from all over the world. Once in Leicester you will notice a whole array of styles of buildings.

Arts & Crafts theory was as a break away from the now common cheaply built, plain mass prodiced buildings of that time. bought in a return to the more traditional architecture, using high quality materials and craftman saw more interesting shapes being used.

The baroque period of architecture Leicester proved to be not very popular in architecture Leicester as people didn’t seem to appreciate the sweeping vista’s and large curved shapes. Architecture Leicester’s version of the barouques style is as with many other parts of the country mixed in with more traditional architectural design.

Classical architecture in Leicester grand Greek style pillars Roman art styles are heavy influences on the architecture Leicester classic deign this can be seen on many of the buildings in and around Leicester.

Domestic Revival black and white Tudor and Medieval style buildings were the order of the day in this style of architecture Leicester.

There is nothing particularly unusual about architecture Leicester, as you will see much the same styles of architecture as you will in other historic places in England.

What A Good Quality Fort Lauderdale Estate Lawyer Can Do For You

Do you have any issues relating to estate law that need to be taken care of, but you don’t know who to turn to? Well, a reputable Fort Lauderdale trust lawyer should be who you should turn to in order to resolve any legal matters. Estate law is a very complicated a broad topic, therefore you need a lawyer that specializes in it rather than a lawyer that is a jack of all trades. Ideally the Fort Lauderdale estate lawyer that you pick will already have a wealth of experience dealing with exactly the kind of issue that you need taken care of.

Have a problem regarding a piece of property, but you are not sure whether an estate lawyer can actually help you? For any problems that you are having regarding to real estate you should contact a lawyer, even if you think they can’t be solved by a lawyer. A meeting with a good quality Fort Lauderdale estate lawyer can give you a new perspective on your problem, and the lawyer may even offer to use the law in a legitimate way to help you solve your problem no matter what it is. Read on for examples of what types of real estate issue a real estate lawyer can solve.

Who the house should belong to after a death in the family

Has there recently been a death in your family, and you strongly believe that you should inherit a piece of property, but it’s going to another member of the family? Even if there is a will that specifies that the real estate should go to another member of the family you can always contest it by using a trust lawyer. It may be that the will is invalid for various legal reasons, and if so a good quality lawyer will be able to prove it in court on your behalf.

Paperwork during any transactions

Are you thinking of buying or selling a piece of property? Then ideally you will have a lawyer to fill out all the paperwork on your behalf. This is advantageous because the lawyer may be able to decrease the cost of the transaction, and to reduce the time it takes for the transaction to finish. However, make sure that you trust the lawyer that you choose for such a job, because it is a big responsibility to fill out the paperwork for a piece of real estate correctly.

Ask your friends and family for recommendations

Chances are that one of your friends or family members knows of a good quality Fort Lauderdale trust lawyer that they would be more than happy to recommend. This is one of the easiest and quickest ways of getting in touch with a lawyer that is trustworthy. So to begin your search ask the people in your life that have recently moved home for their opinion of the estate lawyer they used during their move.

Gaur Yamuna City- An Ultimate Effort of Offering Housing Units in Greater Noida

Gaur Yamuna City is another brand new residential project of modern era that has been brought to you by Gaursons India Limited. Being located at Yamuna Expressway, Greater Noida, it is one of the ultimate destinations to own your dream home. It is located at Yamuna Expressway just in front of F1 track & next to night safari. This mega township sprawls over 300 acres with 80% open green area offering housing options of impeccable designs. Due to the strategic location of the project, all of the key locations such as Schools, Malls, Metro and Hospitals stations are just few minutes’ drive away. >

Gaur Yamuna City Yamuna Expressway consists of majestic apartments in the form of 2 and 3 bhk for sale. Such ultimate housing units are built with numerous of specifications in order to suit the diversified tastes and preferences. A wide range flats of varying sizes is available starting from 1000 sq. ft. to 1375 sq. ft. coupled with Rs. 21.95 Lakhs and Rs. 30.18 Lakhs. Apart from superior connectivity, this residential complex is coupled with many more excellent amenities. An exclusive clubhouse with magnificent swimming pool is to facilitate you in lazy afternoon. Well-equipped gymnasium and jogging track are there to offer you very healthy routine. Eye soothing green parks, children’s play areas and a convenience store and much more is there to cheer you up.

Owning a home here would mean signing up for another paradise like place. In order to book your dream home in Gaur Yamuna City, then you can come to us, uniconproperty.com. We will help you out with every possible aspect like property selection or documentation or home loan assistance. You can avail attractive deals with our zero brokerage services and live in your dream home. With us, real estate deals will be transparent that will not include any sort of hidden charges.

Gaursons India Limited has started its journey in 1995 and has brought many benchmark projects to the real e4state market. With an aim to provide world-class infrastructure based housing facilities to all, the group has continuously strived to achieve the best. The name Gaursons is recognized as an established brand in the real estate market in North India due to impeccable quality and unmatched style. The foundation stone of this is architectural excellence and customer satisfaction that is synonymous to the name Gaursons itself. Now, it has brought Yamuna City in Yamuna Expressway to add something more meaningful to the market.

For more information about gaur Yamuna City Greater Noida visit:

Meenakshi Temple Madurai The Best Of Dravidian Architecture

Meenakshi Sundareswarar Temple or Meenakshi Amman Temple is a historic Hindu temple which is located in the city of Madurai in Tamil Nadu. This is among the most famous temples of India which is known throughout the world for its outstanding and impressive architectural beauty. In Hindu religion temple is the place which is reserved for spiritual and religious activities that include prayers and analogous rites.
Sri Meenakshi temple of Madurai is dedicated to Lord Shiva and his consort Goddess Meenakshi (Parvati). Goddess Meenakshi is an incarnation of the Goddess Parvati who is worshiped mainly by South Indians. The utmost architectural wonder of this templeis a testimony to the affluent Dravidian Culture. Some of the prominent features of this colossal temple are:

Temple Architecture:
This temple was built by Kulasekara Pandyan around 2000 years ago. The colossal structure of this temple is among the finest preserved monuments of the Dravidian style of temple architecture. Architectural and sculptural magnificence is the aspect of this temple which makes it popular throughout the world. The temple premise is surrounded by elevated wall which is adorned with various paintings and sculptures. The main deities of this temple are Lord Sundareswarar and Goddess Meenakshi, whose sanctums are encircled by number of smaller shrines and majestic pillared halls. Among the several magnificent structures the most striking ones are the 12 gopurams which are known for their bright colors painting and decoration of stucco figures of deities, animals, monsters, demigods, and celestial nymph.

Ashta Shakthi Mandapam:
This is located at the eastern entrance of the temple which is known for its 1,008 lamp holders. During festive occasions these lamps are lighted which gives spectacular sight to this place. Pillars of this structure are known for their carvings which depict the stories related to Meenakshi’s birth and LordShiva’s Thiruvilayadals (miracles). These pillars are carved on various mythological themes which mesmerizes visitors.

Meenakshi Nayakkar Mandapam:
It is situated adjacent to the Astha Shakthi Mandapam which is known for its 110 pillars. These pillars are famous for their beautiful carvings based on various religious and non-religious themes. A figure of animal with a lions body and an elephants head called Yalli is extremely beautiful.

Porthamarai Kulam (Golden Lotus Tank): >
This is the sacred lake situated inside the temple premises, in which devotees take bath. According to the Indian mythology it is believed that Indra bathed in this tank to wash away his sin, and then worshiped Lord Shiva with golden lotus flowers from the tank. It is surrounded by the corridor which is known for its beautiful sculptures based on various religious themes. The pillars on the northern side of this corridor are decorated with 24 poets of the Third Tamil Sangam.

Some of the other well known attractions of grand Dravidian style edifice are Oonjal Mandapam, Swami Sundareswarar Shrine, Kalyana Mandapam, Aayiram Kaal Mandapam or Thousand Pillar Hall and many more.