Overview of what notices to send the borrower when buying a note. In this video we review the RESPA letter and the TILA letter and the differences.
When purchasing a home there are many fees and costs associated with the transaction. Common costs are title insurance, escrow fees, lender fees, inspections, appraisal, and pre-paid costs such as taxes, insurance, and HOA. Closing costs and fees may be financed into the loan or paid upfront.
Lender and origination fees are a lender’s cost to complete your home loan financing. These fees cover costs associated with processing, underwriting, and funding your new loan. If there is a cost listed for discount points, this is an extra fee being charged for a lower interest rate.
The Escrow Company will charge a fee for their services. In the purchase contract, it will state who the escrow and title company will be and what portion of the fee is to be paid for by the buyer and seller.
Keep in mind that there will be other miscellaneous fees associated with purchasing a home such as home inspection, appraisal, pest inspection, credit report, document recording, and possibly Condo and Homeowner’s Association (HOA) review.
Before getting into the home buying process, it is important to understand what fees you may be faced with and how to pay for them. Open communication with your agent and lender is the first step to ensure you understand the costs of home ownership.
Pre-paid costs are required home ownership costs that are paid upfront instead of in the future. These may be higher or lower depending on whether you will have an impound account or not. Pre-paid costs may include loan interest, homeowner’s insurance, property taxes, and homeowner’s association dues.
To learn more, make sure to watch all of our home buying academy videos. For any questions about home buying or home financing, you may contact us through our website rwmloans.com or call us at 858-794-2155. We have loan officers and real estate agents available to help you start the process.
RWM Home Loans – rwmloans.com
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Super liens are something every good real estate and note investor should be aware of and understand the lien priorities and outcomes in foreclosure. In some states, a lien for delinquent HOA or COA assessments has priority.
Where are the worst places to live in Alabama? We crunched the numbers to find out.
An overview of heart failure by Dr. Roger Seheult of Includes symptoms, definitions, ejection fraction (EF), pathophysiology, ischemic heart disease, congestive heart failure (CHF), the role of hypertension (HTN) and more.
This is video 1 of 3 on heart failure (HF):
0:36 basic heart physiology
0:55 pulmonic circulation
1:04 systemic circulation
2:00 heart failure – congestion
2:35 reduced kidney function
2:55 reno-angiotensin system
3:04 anti-diuretic hormone
3:24 Cheyne-Stokes respiration
3:44 heart failure – pulmonary edema
3:55 heart failure – liver congestion (AST, ALT increase, nutmeg liver)
4:12 increased pulmonary artery pressure
4:23 heart failure – pedal edema
6:15 systolic dysfunction
6:21 diastolic dysfunction
6:32 ejection fraction
9:01 heart failure – new classification
9:36 heart failure – reduced ejection fraction (HFREF)
10:19 heart failure – normal ejection fraction (HFNEF)
11:27 ischemic heart disease
Speaker: Roger Seheult, MD
Clinical and Exam Preparation Instructor
Board Certified in Internal Medicine, Pulmonary Disease, Critical Care, and Sleep Medicine.
MedCram: Medical topics explained clearly including: Asthma, COPD, Acute Renal Failure, Mechanical Ventilation, Oxygen Hemoglobin Dissociation Curve, Hypertension, Shock, Diabetic Ketoacidosis (DKA), Medical Acid Base, VQ Mismatch, Hyponatremia, Liver Function Tests, Pulmonary Function Tests (PFTs), Adrenal Gland, Pneumonia Treatment, any many others. New topics are often added weekly- please subscribe to help support MedCram and become notified when new videos have been uploaded.
Recommended Audience: Health care professionals and medical students: including physicians, nurse practitioners, physician assistants, nurses, respiratory therapists, EMT and paramedics, and many others. Review for USMLE, MCAT, PANCE, NCLEX, NAPLEX, NDBE, RN, RT, MD, DO, PA, NP school and board examinations.
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Please note: MedCram medical videos, medical lectures, medical illustrations, and medical animations are for medical educational and exam preparation purposes, and not intended to replace recommendations by your health care provider.
Birmingham, Alabama got hit by a massive tsunami last week … a tsunami of clouds.
The surreal waves graced the skies Friday afternoon, giving residents a treat few had seen before, according to ABC 33/40. The event was rare enough to spark a flurry of YouTube videos, like the one below.
But what’s happening in the sky is perhaps not as rare as many thought. The effect even has a scientific name, the Kelvin–Helmholtz instability. It generally occurs at the cloud level in areas where winds can build up significant speed.
LiveScience explains the occurrence:
Whether seen in the sky or in the ocean, this type of turbulence always forms when a fast-moving layer of fluid slides on top of a slower, thicker layer, dragging its surface.
The same thing happens when waves form in the ocean, as thicker fluids are pulled by less-dense, fast-moving air. In this instance, however, it’s simply a case of less-dense air (shearing winds) pulling on denser air.
This example was perhaps one of the most pronounced in recent history and it spread particularly quickly online largely because it was observed in an area of dense population.
ABC compiled some great images of the clouds, which you can see here.
Want to see something else incredible in the air? Check out this video, entitled “Murmuration,” which depicts a phenomenon that’s a bit more lively.
Everything you need to know about the gunslinging, homophobic victor of Alabama’s Republican primary on Tuesday.
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On February 8th, Alabama’s Chief Justice Roy Moore issued a last-minute order to state probate judges to deny granting marriage licenses to same-sex couples. This directly conflicted with a federal court decision on January 23rd, which legalized gay marriage in the state of Alabama. So, what happens now? Are states able to defy federal law?
Ala chief justice tells judges: Refuse gay marriage licenses
“Alabama appeared set within hours to become the 37th state where gays can legally wed, prompting one couple to pitch a tent outside a courthouse even as the state’s chief justice made an 11th hour bid to keep the weddings on hold Monday.”
State vs. Federal Law: Who Really Holds the Trump Card?
“Gay marriage, medical marijuana, recreational marijuana, immigration… the list goes on and on of laws that are supposed to be decided state by state. Yes, you may say, “Well they are.” Truth is, no they aren’t.”
Judicial defiance in Alabama: Same-sex marriages begin, but most counties refuse
“On the day that same-sex unions became legal in Alabama, local officials in dozens of counties on Monday defied a federal judge’s decision and refused to issue marriage licenses to gay couples, casting the state into judicial chaos.”
The bias of the Supreme Court
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Before you can sell your home, you need to hire a great real estate agent. And to do that, you need to sign a listing agreement.
But what is the listing agreement exactly, what’s in it, and is there any room for negotiation? Find out in this video from HomeLight.
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Know about Best and Final Offer (BAFO) and how to handle Real Estate negotiations properly, both as a buyer and as a seller. Check out the complete video.
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In this video, we have explained:
What is Best And Final Offer (BAFO?
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What is a short sale? How does the short sale process work? Can I find bargains in short sale real estate? In this five-minute video, Richmond, Virginia Realtor Andy Newman explains short sales, generally speaking.
Jay Walsh explains how to invest passively in Real Estate through turn-key rental properties
Collier Swecker video blogs answers to one of the most often asked questions about Real Estate Property Taxes in Alabama. Consumers are often confused about why City taxes are paid in advance and county taxes are paid in arrears. If you have any questions or comments about this property taxes in Alabama email me at [email protected], visit my blog at www.CollierSwecker.com, or my Birmingham real estate website at www.MegaAgents.com.