Money Manifest

Mortgage Sales

The Mortgage Originator Success Kit $39.95 Sometimes opportunity finds you–are you ready?. The mortgage business is not only booming, but it’s one of the few industries that doesn’t require a college degree to make lots of money. In fact, as a mortgage originator , the only limit to income potential is your own effort and ability. But how can you break into this lucrative business? The Mortgage Originator Success Kit is a one-of-a-kind resource dedicated to helping you make the leap into an exciting career in the mortgage business. This comprehensive resource gets you started with expert advice on virtually every aspect of the business. Mortgage pro Darrin Seppinni thoroughly explains the basics of the mortgage business in simple, clear language that is perfect for beginners. He walks you step-by-step through the loan process, including.:.; Helping clients fill out a loan application.; Understanding calculations and formulas that go into every mortgage.; A review of the specifics of credit, property qualification, and government loans.; Tips on customer service and vital sales techniques.; Instruction on laws and ethics of the business. Plus, each chapter ends in a handy quiz that helps you retain and apply the concepts and tactics you learn. Seppinni also shows you how to avoid common mistakes and covers all the bases to get you on the right track. Plus, he shares the secrets of his success with professional tips and techniques that can take you to a six-figure income in no time. Even if you don’t know anything about real estate finance, this simple guide provides all the inside advice you need to make a bundle, with step-by-step guidance on every vital topic, concept, and tactic. With full coverage of licensing and education requirements for every state and sample legal loan documents and forms, The Mortgage Originator Success Kit is a complete and comprehensive resource for anyone who wants to break into this growing field. There has never been a better time to get into the mortgage business–and there’s never been a better book to help you do it.

Mortgage $14.99 The Mortgage Answer Book answers the most common mortgage and loan questions asked by borrowers today and breaks down the complex mortgage industry with straightforward, easy-to-follow advice on finding the loan that is right for you.

Sales $39.54 Sales

The Mortgage Millionaire: Sales and Life Strategies That Can Take You to the Next Level $27.29 No Synopsis Available

National Residential Mortgage Loan Originator: SAFE Act Comprehensive Education, 1st Edition $51.99 This comprehensive guide is an excellent resource for mastering the modern mortgage principles and practices essential to understanding the financing of residential real estate as generally applied to all states. The mortgage industry has gone through a major transition in recent years changing from a sales environment to a professional one. As a result, the mortgage professional today must be more knowledgeable and ethical in meeting the financial needs of consumers. This NMLS-approved course is designed to help mortgage professional’s master the 20-hour SAFE Act pre-licensing requirements for mortgage loan originators. All major regulations such as the SAFE Act, the Truth in Lending Act, the Equal Credit Opportunity Act, RESPA, the Fair Credit Reporting Act, GLBA, the Dodd-Frank Wall Street Reform and Consumer Protection Act, and other industry-changing legislation is identified and explained in a clear and understandable manner. This book walks you through what is a mortgage, how is it calculated, what is a mortgage loan originator’s role and responsibility, how one is paid, and what legislative actions shape and are shaping the role of the mortgage loan originator. Major concepts are reinforced through learning objectives, extensive examples, chapter summaries, review questions, critical thinking questions and key term reviews. Use the online interactive flashcards to review key terms and concepts. Also, updates are posted at www.cengage.com/realestate/mortgage to keep you up-to-date on new rules and regulations.

Calculated Industries 3405 Real Estate Master IIIX Real Estate Finance Calculator $33.49 Calculate complete P&I, PITI and FHA payment solutions, amortization, and more (view larger). Calculate complete payment solutions, amortization, combo loans, ARMs, rent versus buy comparisons, and much more with the Real Estate Master IIIX finance calculator (model 3405) from Calculated Industries. Designed for real estate and mortgage professionals, the Real Estate Master IIIX perform…

Calculated Industries 3415 Qualifier Plus IIIX Real Estate Finance Calculator $47.89 Gain instant access to P&I, PITI and FHA Payments, and complete buyer qualifying(view larger). Qualify home buyers right on the spot with the versatile, easy-to-use Qualifier Plus IIIX real estate finance calculator from Calculated Industries. Perfect for all real estate finance professionals, including agents, brokers, bankers, mortgage originators, title officers, trainers, and more. The…

Calculated Industries 3430 Qualifier Plus IIIFX Real Estate Finance Calculator $48.50 Calculate multiple cash flows and internal rate of return (view larger). Qualify home buyers right on the spot with the versatile, easy-to-use Qualifier Plus IIIFX real estate finance calculator (model 3430) from Calculated Industries. Perfect for all real estate finance professionals, including agents, brokers, bankers, mortgage originators, title officers, trainers, and more. The Qual…

Roto-Rooter $1.99 …

Under 25′s ‘Choose Buying First Property Instead Of Going To University’

A rising number of young people are forgoing higher education in a bid to get on to the property ladder, according to a new set of figures. The Next Generation of Homeowners Report by Lloyds TSB indicates that one in ten of those aged 18 to 24 are sacrificing going to university in a bid to save up money for their first home. Findings from the financial services company also revealed that one in five 22 to 24-year-olds are actively redirecting contributions that were intended a pension scheme towards making the first down payment for a home.

Meanwhile, some one in six respondents were also reported to be juggling two jobs so as to help build a housing deposit and meet secured loan costs in the future. Just over half (55 per cent) of young people believed that to be able to afford their first property they would need to earn at least 30,000 pounds a year. Research also revealed that a third of under-25s believe that university tuition fees should be reduced to help them purchase a home, which could see them handle post-graduation debts with greater ease and in turn allow them to become more able to meet deposit and home loan costs.

Alison Burns, mortgage sales director for Lloyds TSB, said: “The fact people are willing to forgo their education highlights the importance of homeownership to the younger generation.” However, Ms Burns claimed that such “extreme measures may not always be necessary”, pointing out that a significant number of potential first-time buyers hold misconceptions about the property market.

Some 65 per cent of those surveyed by Lloyds TSB claimed to believe that putting down a ten per cent deposit is an “essential requirement” to get approval for a mortgage, but she iterated that “this is not the case”.

Although the study indicated that the majority of lenders will consider applicants who have some “low-level” credit problems such as outstanding student Loans, more than half of respondents think that they must be debt-free to meet secured and home loan requirements.

Meanwhile, some further two in five were reported to wrongly believe that they need three years of continuous employment to qualify for a mortgage. The director also claimed that first-time buyers should look to seek out advice “before making a decision that could affect their long-term future”.

Overall, purchasing a home was ranked as the top aim that consumers aged 18 to 24 wish to achieve before they are 30 – accounting for some 75 per cent of respondents’ votes. Goals such as getting married and travelling the world were favoured by 64 and 44 per cent respectively of under-25s.

Earlier this month, Vince Cable, shadow chancellor for the Liberal Democrats, claimed that young people are taking out Secured Loans at levels which are “ludicrous and dangerous” in an attempt to buy their first home. He added that if the Bank of England opts to increase interest rates in the future many homeowners will not be able to meet mortgage costs, pointing out that the level of property repossessions over the past two years is “soaring”.

Abbi Rouse

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42 Rules For Saving Your House From Foreclosure $20.62 This book is for anyone who is in a bad mortgage situation. You have an adjustable loan; your monthly payment has now skyrocketed to an amount you can’t afford on a monthly basis. That is the situation I found myself in. After four applications to my bank for a loan modification, I decided I needed to get professional help. Craig Triance is my lawyer and co-author in this biographical “how to” book about my process to save my home. We captured the critical things I learned along the way, so you can avoid making common mistakes. The rules are legally accurate, but may include strategies that the banks don’t want you to know. We want you to be able to save your house also, and the rules in this book give you a complete guide to doing just that.The book is divided into three different sections of rules, based on where in the process you are. Section 1: How did you get into this mess? The rules in this section examine who will call you and who will not, who to look out for and what to do with your credit cards, retirement account and home equity loan.Section 2: Rules to help you dig your way out! The rules in this section focus on getting out of denial about your current financial situation, being willing to talk about it, getting help, finding partners and behaviors that will help you look better (more credible for a loan modification) with a bank mortgage negotiator.Section 3: Options, Solutions and Resolution. This section of rules assumes you are already dealing with the bank (and it is not going so well), and looks at some of your options including: loan modification, short sales, partnerships and investors, lease backs, even bankruptcy.Based on David’s experience and Craig’s legal know how, this down-to-earth, easily read book provides practical knowledge and legal best practices coupled with the horror story David has lived through for over a year. This book emphasizes personal responsibility and also how to be prepared with

44 Charles Street $57.41 First time in paperback!A magical transformation takes place in Danielle Steel’s luminous novel: Strangers become roommates, roommates become friends, and friends become a family in a turn-of-the-century house in Manhattan’s West Village. The plumbing was prone to leaks, the furniture rescued from garage sales. And every square inch was being devotedly restored to its original splendor—even as a relationship fell to pieces. Now Francesca Thayer, newly separated from her boyfriend, is suddenly the sole mortgage payer on her Greenwich Village townhouse. The struggling art gallery owner does the math and then the unimaginable. She puts out an advertisement for boarders, and soon her home becomes a whole new world.First comes Eileen, a fresh, pretty L.A. transplant, now a New York City schoolteacher. Then there’s Chris, a young father fighting for custody of his seven-year-old son. The final tenant is Marya, a celebrated cookbook author hoping to start a new chapter in life after the death of her husband. Over the course of one amazing, unforgettable, ultimately life-changing year, Francesca discovers that her accidental tenants have become the most important people in her life. The house at 44 Charles Street fills with laughter, heartbreak, and hope—and in the hands of master storyteller Danielle Steel, it’s a place those who visit will never want to leave.