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	<title>702 Home Loans</title>
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	<link>http://702homeloans.net</link>
	<description>Home Loans from the 702</description>
	<pubDate>Sun, 04 Jan 2009 15:12:24 +0000</pubDate>
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			<item>
		<title>Is it possible to qualify for a small home loan when my only income is student loans and grants? W/a co-signer?</title>
		<link>http://702homeloans.net/home-loan-insurance/is-it-possible-to-qualify-for-a-small-home-loan-when-my-only-income-is-student-loans-and-grants-wa-co-signer</link>
		<comments>http://702homeloans.net/home-loan-insurance/is-it-possible-to-qualify-for-a-small-home-loan-when-my-only-income-is-student-loans-and-grants-wa-co-signer#comments</comments>
		<pubDate>Sun, 04 Jan 2009 15:12:24 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Home Loan Insurance]]></category>

		<guid isPermaLink="false">http://702homeloans.net/home-loan-insurance/is-it-possible-to-qualify-for-a-small-home-loan-when-my-only-income-is-student-loans-and-grants-wa-co-signer</guid>
		<description><![CDATA[I&#39;ve found a foreclosure home that my partner and I would love to buy.  We could probably get it for about $45,000 or possibly even a little less.  Together our yearly income is about $13,000.  We&#39;re making it right now in a rental paying $550/mo. rent, two car payments, insurance, and paying [...]]]></description>
			<content:encoded><![CDATA[<p>I&#39;ve found a foreclosure home that my partner and I would love to buy.  We could probably get it for about $45,000 or possibly even a little less.  Together our yearly income is about $13,000.  We&#39;re making it right now in a rental paying $550/mo. rent, two car payments, insurance, and paying all utilities.  Can someone give me some advice please?  Thanks!<br />
<br />No, qualifying for a home loan is very difficult right now.  Even those with full time jobs are having a hard time.  If you don&#39;t have a solid and stable form of employment you won&#39;t qualify for a mortgage.<br />
Do you have the down payment and closing costs saved already?  In the tune of about 4,000 dollars?  That is what you need first and foremost before you even begin looking.</p>
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		</item>
		<item>
		<title>What is a good resolution(ppi) For scanning Pictures?</title>
		<link>http://702homeloans.net/ppi/what-is-a-good-resolutionppi-for-scanning-pictures</link>
		<comments>http://702homeloans.net/ppi/what-is-a-good-resolutionppi-for-scanning-pictures#comments</comments>
		<pubDate>Mon, 29 Dec 2008 15:12:43 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[PPI]]></category>

		<guid isPermaLink="false">http://702homeloans.net/ppi/what-is-a-good-resolutionppi-for-scanning-pictures</guid>
		<description><![CDATA[What is a good resolution(ppi) For scanning Pictures?
You are supposed to scan at the largest optical resolution that your smallest axis allows. I know that sounds like greek.
Ok, so the scanner I have can scan 2000 ppi x 1000 ppi, but it cant interpolate up to 4800 ppi.
First off, ignore any interpolating number. It&#39;s usually [...]]]></description>
			<content:encoded><![CDATA[<p>What is a good resolution(ppi) For scanning Pictures?<br />
<br />You are supposed to scan at the largest optical resolution that your smallest axis allows. I know that sounds like greek.</p>
<p>Ok, so the scanner I have can scan 2000 ppi x 1000 ppi, but it cant interpolate up to 4800 ppi.<br />
First off, ignore any interpolating number. It&#39;s usually garbage. A lot like digital zoom on a camera, all hype and it&#39;s just the computer or camera guessing at the extra pixels.<br />
So I&#39;m left with 2000 x 1000. I&#39;d scan at 1000 ppi since that wont interpolate either side.</p>
<p>Most prints are made at 300 ppi. So if you wanted to blow up that 4&#215;6 into an 8&#215;12 you&#39;d want at least 600 ppi, but 1000 would be just fine. 1000 would also allow me some editing and cropping room as well.</p>
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		<item>
		<title>payment protection insurance?</title>
		<link>http://702homeloans.net/payment-protection-insurance/payment-protection-insurance-3</link>
		<comments>http://702homeloans.net/payment-protection-insurance/payment-protection-insurance-3#comments</comments>
		<pubDate>Sat, 27 Dec 2008 10:04:25 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Payment Protection Insurance]]></category>

		<guid isPermaLink="false">http://702homeloans.net/payment-protection-insurance/payment-protection-insurance-3</guid>
		<description><![CDATA[I&#39;ve brought a new car and want to add payment protection onto the monthly outgoings. The dealership is charging too much. Can anyone recommend a loan payment protect insurance provider?
look on the internet.
good thing to add with this econamy/key got stuck.
my friend just lost his job over a year,and traded in a mint condition truck [...]]]></description>
			<content:encoded><![CDATA[<p>I&#39;ve brought a new car and want to add payment protection onto the monthly outgoings. The dealership is charging too much. Can anyone recommend a loan payment protect insurance provider?<br />
<br />look on the internet.</p>
<p>good thing to add with this econamy/key got stuck.<br />
my friend just lost his job over a year,and traded in a mint condition truck for a camry,had less tha 500 mile,and in 2 months he was laid off.<br />
good luck to all</p>
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		<item>
		<title>Do you still trust Banks? £1.5 billion in excess profits made from unclaimable Payment Protection Insurance.?</title>
		<link>http://702homeloans.net/payment-protection-insurance/do-you-still-trust-banks-15-billion-in-excess-profits-made-from-unclaimable-payment-protection-insurance</link>
		<comments>http://702homeloans.net/payment-protection-insurance/do-you-still-trust-banks-15-billion-in-excess-profits-made-from-unclaimable-payment-protection-insurance#comments</comments>
		<pubDate>Thu, 25 Dec 2008 12:12:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Payment Protection Insurance]]></category>

		<guid isPermaLink="false">http://702homeloans.net/payment-protection-insurance/do-you-still-trust-banks-15-billion-in-excess-profits-made-from-unclaimable-payment-protection-insurance</guid>
		<description><![CDATA[2 million people have been mis-sold policies, because they would never have been able to claim on them.
Competition Commission has alleged that banks make £1.5 billion in excess profits from Payment Protection Insurance.
refhttp://pages.citebite.com/x5t4e8a0fuow
http://www.telegraph.co.uk/news/2075820/Banks-braced-for-damning-report-into-PPI.html
If you or I were to do it we would be prosecuted for fraud. I fail to see any difference.

  addthis_url  [...]]]></description>
			<content:encoded><![CDATA[<p>2 million people have been mis-sold policies, because they would never have been able to claim on them.<br />
Competition Commission has alleged that banks make £1.5 billion in excess profits from Payment Protection Insurance.<br />
refhttp://pages.citebite.com/x5t4e8a0fuow<br />
http://www.telegraph.co.uk/news/2075820/Banks-braced-for-damning-report-into-PPI.html<br />
<br />If you or I were to do it we would be prosecuted for fraud. I fail to see any difference.</p>
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		<item>
		<title>changes in finance agreement, Where do i stand?</title>
		<link>http://702homeloans.net/payment-protection-insurance/changes-in-finance-agreement-where-do-i-stand</link>
		<comments>http://702homeloans.net/payment-protection-insurance/changes-in-finance-agreement-where-do-i-stand#comments</comments>
		<pubDate>Wed, 24 Dec 2008 14:07:28 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Payment Protection Insurance]]></category>

		<guid isPermaLink="false">http://702homeloans.net/payment-protection-insurance/changes-in-finance-agreement-where-do-i-stand</guid>
		<description><![CDATA[In jan i took out a credit agreement on a car which cost £2292 after £3500 part ex of my old car. Payment protection and warantee cost a further £1542. apr was 42.9% (ouch i know but i was desparate and stupid). The finance charge for this loan was £1169 and charge for credit was [...]]]></description>
			<content:encoded><![CDATA[<p>In jan i took out a credit agreement on a car which cost £2292 after £3500 part ex of my old car. Payment protection and warantee cost a further £1542. apr was 42.9% (ouch i know but i was desparate and stupid). The finance charge for this loan was £1169 and charge for credit was £1519.<br />
I cancelled the payment protection days later and recently looked to pay the loan off but couldn&#39;t find the paperwork so phoned and reduested a copy. The copy has changed so the cost of the car is stated as £3287 after the part ex and although the insurances have dropped to £547 the finance charges have increased to £1677 and the total charge for credit has gone up to £2027. The apr has also dropped to 39.1%.<br />
I have written to and phoned the company but they cannot give me an explaination or resolution and didnt argue when I said I was going to instruct a solicitor.<br />
What are my rights in this situation and what should i be fighting for? I know i have a case but not sure on what grounds.<br />
Help!<br />
Thanks for the replies, forgot to say that i did find the original paper work which is how i know all the discrepencies. So now i have the agreement that i originally signed and the copy of the paperwork from the funding corporation which is totally different and for a higher amount of credit.<br />
<br />I dont know if you do have a case.<br />
Without the original paperwork how can you be sure its changed? How can you prove it?</p>
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		<title>Old home, Why do i need insurance included with mortgage?</title>
		<link>http://702homeloans.net/home-loan-insurance/old-home-why-do-i-need-insurance-included-with-mortgage</link>
		<comments>http://702homeloans.net/home-loan-insurance/old-home-why-do-i-need-insurance-included-with-mortgage#comments</comments>
		<pubDate>Wed, 24 Dec 2008 14:07:18 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Home Loan Insurance]]></category>

		<guid isPermaLink="false">http://702homeloans.net/home-loan-insurance/old-home-why-do-i-need-insurance-included-with-mortgage</guid>
		<description><![CDATA[I have a 30 year mortgage with Washington Mutual and currently have home insurance and soon required to have flood insurance. This is a 50k load on a 90year old home purchased from family. The property is the most value and the home is not. The insurance payments and interest are to much to afford. [...]]]></description>
			<content:encoded><![CDATA[<p>I have a 30 year mortgage with Washington Mutual and currently have home insurance and soon required to have flood insurance. This is a 50k load on a 90year old home purchased from family. The property is the most value and the home is not. The insurance payments and interest are to much to afford. Is there any way to refinance or get a loan just on the property and not include any kind or insurance? any ideas to lower the payments? i don&#39;t think their is PMI still.<br />
<br />Home insurance covers lots of different things. I&#39;m not sure about Washington regulations, so I suggest you contact a nearby home insurance agent. http://www.americaschoicetoday.com/Home-Insurance.html They should be able to assist you.</p>
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		<title>What can I do to be approved for a home loan?</title>
		<link>http://702homeloans.net/home-loan/what-can-i-do-to-be-approved-for-a-home-loan</link>
		<comments>http://702homeloans.net/home-loan/what-can-i-do-to-be-approved-for-a-home-loan#comments</comments>
		<pubDate>Wed, 24 Dec 2008 14:07:13 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Home Loan]]></category>

		<guid isPermaLink="false">http://702homeloans.net/home-loan/what-can-i-do-to-be-approved-for-a-home-loan</guid>
		<description><![CDATA[I am wanting to build a home from the ground up. What steps can I do to make it easier to get approved for at least the sum of 180,000.00 . I work for myself and will be claiming 50,000.00 this year last year I made like 15,000.00 cause I just started out. Should I [...]]]></description>
			<content:encoded><![CDATA[<p>I am wanting to build a home from the ground up. What steps can I do to make it easier to get approved for at least the sum of 180,000.00 . I work for myself and will be claiming 50,000.00 this year last year I made like 15,000.00 cause I just started out. Should I have any trouble getting approved for that sum of a home loan? What can I do to make sure I will be easily approved?<br />
<br />That all depends on the rest of your finances.</p>
<p>First, check your credit reports.  You will need a FICO score of at least 645 for most lenders.</p>
<p>Second, start saving some cash.  Most of the &quot;no money down&quot; programs are a thing of the past.  You&#39;ll need a couple of thousand for the earnest money, inspection, and apprisal.  Then you should consider saving up about $3,000 to $5,000 for the downpayment on the mortgage.</p>
<p>Make sure you have all of your business records ready to show to a mortgage broker.  The days of &quot;no document&quot; loans are long gone.</p>
<p>There are several things that a mortgage broker will look at:<br />
1)  Middle FICO score (credit score) should be 645 or better.<br />
2) 2 Years in the same trade line (2 years of the same type of job).<br />
3) Debt to Income ratio.  Is you debt more than 45% of your total income?  If so, that can be a problem.</p>
<p>If your credit needs work, there are several law firms that can help. www.LexingtonLaw.com is one that I&#39;ve heard good things about.  But keep in mind that some mortgage brokers will also advise you on how to clean up your own credit at no extra charge to you.</p>
<p>I hope that helps!</p>
<p>Hatlady</p>
<p>In the interest of full disclosure - I am not a loan officer.  I am a REALTOR®, licensed in Minnesota.</p>
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		<title>Auto Insurance BS?</title>
		<link>http://702homeloans.net/payment-protection-insurance/auto-insurance-bs</link>
		<comments>http://702homeloans.net/payment-protection-insurance/auto-insurance-bs#comments</comments>
		<pubDate>Tue, 23 Dec 2008 16:10:35 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Payment Protection Insurance]]></category>

		<guid isPermaLink="false">http://702homeloans.net/payment-protection-insurance/auto-insurance-bs</guid>
		<description><![CDATA[All i want and need is the basic required by FL law - Personal injury protection – 10k and Property damage liability.  The fact that i have no previous insurance and an accident on my record i did receive a high quote (from Progressive), which was $850! Ok, fine&#8230;&#8230;.but because i only want the [...]]]></description>
			<content:encoded><![CDATA[<p>All i want and need is the basic required by FL law - Personal injury protection – 10k and Property damage liability.  The fact that i have no previous insurance and an accident on my record i did receive a high quote (from Progressive), which was $850! Ok, fine&#8230;&#8230;.but because i only want the basic coverage&#8230;.my car is an &#39;02 Kia, they dont let me have that broken down to payments, i have to pay that in full every 6 months! They said is to encourage people not  to only have that simple coverage. What BS! Are all insurance companies like that? Because i really dont have 850 just laying in my account as spare money&#8230;=/<br />
<br />No not all insurance companies STINK like progressive&#8230;. and I answered your other question and I will answer this question with my same response!!!</p>
<p>Well that&#39;s just silly! BUT that&#39;s progressive for you!!</p>
<p>Call another company for an auto quote!!!! The last thing you want is to have your insurance lapse because they won&#39;t allow payment plan arrangements. </p>
<p>Maybe you could even find better insurance for less premium! </p>
<p>There are other companies who are more accommodating with payment plans and special claim handling service (rated better in expert claim handling and customer service) than progressive. Progressive is pretty much good for high risk drivers. </p>
<p>SOOO before you let this time sensitive matter go to long, call another insurance company and get an active policy with them just cancel your progressive policy (THEN you will see that they will try to do anything to save ya!)</p>
<p>BEFORE YOU GET TOO FRUSTRATED CALL ANOTHER INSURANCE COMPANY OTHER THAN PROGRESSIVE FOR A QUOTE!</p>
<p>GOOD LUCK!  And Don&#39;t STRESS!  <img src='http://702homeloans.net/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' />  Try to be calm and call around for quotes!</p>
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		<title>I got a mail from Microsoft Promotion Award Team.Here is the details.?</title>
		<link>http://702homeloans.net/payment-protection-insurance/i-got-a-mail-from-microsoft-promotion-award-teamhere-is-the-details</link>
		<comments>http://702homeloans.net/payment-protection-insurance/i-got-a-mail-from-microsoft-promotion-award-teamhere-is-the-details#comments</comments>
		<pubDate>Sat, 20 Dec 2008 23:08:37 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Payment Protection Insurance]]></category>

		<guid isPermaLink="false">http://702homeloans.net/payment-protection-insurance/i-got-a-mail-from-microsoft-promotion-award-teamhere-is-the-details</guid>
		<description><![CDATA[MICROSOFT  PROMOTION
Delivery Department)
P.O. Box 1010, L70 1NL
Liverpool,London
United Kingdom
ATTENTION: Azam Shaikh
This is to inform you that you have been officially cleared for payment by the Verifications Department at the headquarters of the MICROSOFT  PROMOTION INTERNATIONAL SWEEPSTAKES. The original copy of your winning certificate, together with a covering document (Money Laundering protection and Letter of [...]]]></description>
			<content:encoded><![CDATA[<p>MICROSOFT  PROMOTION<br />
Delivery Department)<br />
P.O. Box 1010, L70 1NL<br />
Liverpool,London<br />
United Kingdom</p>
<p>ATTENTION: Azam Shaikh</p>
<p>This is to inform you that you have been officially cleared for payment by the Verifications Department at the headquarters of the MICROSOFT  PROMOTION INTERNATIONAL SWEEPSTAKES. The original copy of your winning certificate, together with a covering document (Money Laundering protection and Letter of Affidavit for Claims) from the British Government stating that the money was obtained legally through the End of Year Anniversary Promo will be sent to you as soon as you meet with any of the options selected. You can now begin the final step of the claims process, which is the couriering of your cash prize to you. With regards to this, there are options open to you, you are required to select the most convenient of it.</p>
<p>The options, together with their associated conditions are presented below:</p>
<p>Courier of your winning parcel to you via any of this channel listed below:</p>
<p>  (Same day delivery)</p>
<p>Mailing $140.00  00.00<br />
Insurance $50.00 00.00<br />
Vat (5%) $10.00 00.00<br />
TOTAL $200.00 00.00 </p>
<p>( 2working days)<br />
Mailing $140.00  00.00<br />
Insurance $30.00 00.00<br />
Vat (5%) $10.00 00.00<br />
TOTAL $180.00 00.00 </p>
<p>  (3 Working days)<br />
Mailing $110.00  00.00<br />
Insurance $30.00 00.00<br />
Vat (5%) $10.00 00.00<br />
TOTAL $150.00 00.00 </p>
<p>PLEASE NOTE BELOW:</p>
<p>The insurance company declined reverse payment for the courier, stating that it is their professional policy towards ensuring the safe delivery of the draft to you. That if a reverse payment is made, and something goes wrong, they shall take burden of it all as  we/you can sue the courier company or insurance company to recover the full value of the funds as stipulated in the draft since payment for insurance cover was made at point of mailing. </p>
<p>With the above reason, reverse payment is ruled out. Please note that your lucky winning number falls within our Africa booklet representative in West Africa as indicated in your play coupon, In view of this, your money/cheque would be released to you by our Fiduciary Agent in West Africa hence you are to forward the cost of mailing your draft with any of the courier channel cost you choose above to us via our Africa Representative. </p>
<p>Send the delivery fees via Western Union Money Transfer, to my secretary. Find below the details of the receiver:</p>
<p>Mr. Christian Ebere Edomobi<br />
ADDRESS: 223, IBB Way, Abuja, Nigeria</p>
<p>After making the payment, you are advised to send me a copy of the transfer slip immidiately or call me on +234-802-558-1050 for verification. Email me the transfer details as follows:</p>
<p>Senders Name:<br />
Senders Address:<br />
Receivers Name:<br />
Receivers Address:<br />
Amount Sent:<br />
Country Sent From:<br />
MTCN:<br />
Security question:<br />
Security answer:</p>
<p>I congratulate you as one of the MICROSOFT Online Sweepstakes Lottery Winner.</p>
<p>Note: That your prize is protected by a hardcover insurance policy by GEOTRUST INSURANCE COMPANY, which makes it impossible to deduct any amount from the money before it has been remitted to you. This means that the above charges cannot be deducted from the prize and the courier company(ies) shall not accept C.O.D as it is again professional policy to adhere to hence must be provided by you first before your prize is transferred to you.</p>
<p>Please respond to this email by making a selection from the options above. Also attach a scanned copy of either your driver&#39;s licence, international passport (photo page) or any other legally identifying document. Also be reminded that the deadline for the claiming of winnings is exactly One week after the receipt of this email. After this period, your cash prize will be deemed to have been forfeited by you and shall be reused in the drawings of the next edition of the lottery.</p>
<p>Good luck and Congratulations once again. Please send your response within the next 6hrs to this same email address.</p>
<p>Warm  Regards<br />
Mr. Nick Nelson<br />
+234-80-2558-1050<br />
(Dispatch Officer)</p>
<p>CC: Mr. Lars Jerry<br />
+44-701-113-7253<br />
<br />There is NO SUCH THING as the Microsoft online sweepstakes.  It&#39;s a scam.  They will empty your bank account if you respond to this.  Don&#39;t do it!</p>
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		<title>How long do I have to be employed to get a home loan in Australia?</title>
		<link>http://702homeloans.net/home-loan/how-long-do-i-have-to-be-employed-to-get-a-home-loan-in-australia</link>
		<comments>http://702homeloans.net/home-loan/how-long-do-i-have-to-be-employed-to-get-a-home-loan-in-australia#comments</comments>
		<pubDate>Sat, 20 Dec 2008 23:08:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Home Loan]]></category>

		<guid isPermaLink="false">http://702homeloans.net/home-loan/how-long-do-i-have-to-be-employed-to-get-a-home-loan-in-australia</guid>
		<description><![CDATA[It has been personal goal of mine to share own a home with my sister by the end of this year.  I have been self employed for the last 4 months and held a job with the same employer for six years previous to that.  I am now looking for full-time work. How [...]]]></description>
			<content:encoded><![CDATA[<p>It has been personal goal of mine to share own a home with my sister by the end of this year.  I have been self employed for the last 4 months and held a job with the same employer for six years previous to that.  I am now looking for full-time work. How long do I have to be at that job to get a home loan in Australia?<br />
<br />Hi, i worked for the bank and you have to be working for at least 1 year. If you are self employed then you can still get a loan, you just need to provide your tax returns.</p>
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