Mar 24

When it is time to start looking for a house many people take a considerable amount of time choosing their real estate agent. They know that this individual will be entrusted with helping them find the right property and they may interview several different agents in order to find the right match. There are, however, several other individuals involved with the home buying process and, unfortunately, most people don’t take the same care in choosing them as with the search for a real estate agent .

The loan officer that handles the mortgage is just as important to a successful home purchase as the real estate agent. This individual will be responsible for guiding homeowners to the right mortgage product and helping them qualify for the best possible terms. Unfortunately, most people simply go with whatever mortgage broker their agent uses or the loan officer that is assigned to them by their lending institution. This usually works out okay for them, but the recent mortgage crisis was due in part to a number of loan officers and lenders pushing deals on clients that were at best unfair and at worst illegal.

Home buyers should at the very least verify the licensing status of any mortgage officer before working with them. Most states maintain a register of mortgage licenses and there is now a federal registry of the same. To obtain a license, officers are expected to pass background checks and complete Mortgage Loan Officer Training that includes a solid grounding in mortgage law as well as information on fair lending practices. Any officer who has a license in good standing with their state has met the minimum requirements and is much less likely to defraud or swindle the home buyer.

Mar 21

For anyone who’s either been on the road on two wheels, or spent time driving behind a biker for an extended period, the noise issue has at least crossed the mind. It goes into the arguments about horns as well as pipes. There are some bikers who swear that loud pipes are absolutely necessary for a safe ride, and there are others who say it doesn’t really matter. Whether or not horns are in the same category as pipes might be another debate altogether, but the common factor, of course, is noise.

It’s difficult to know for sure whether or not a loud horn will keep a rider out of the services of a motorcycle accident injury lawyer Fort Lauderdale can provide. There are too many subtle factors at play, and that’s true for any accident. This means that there are cases where gunning the pipes and laying on the horn didn’t stop the forces from colliding. There have also been plenty of cases when a loud horn has put the other driver on guard enough to prevent something bad from happening. Like anything involving motorcycles, there are some common sense things at play. It’s always good common sense to assume one is not visible, and it’s also good to assume the same about audibility, and to ride accordingly.