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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.

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Traditional Breakfast, Lunch, Dinner And Architecture In Taiwan

Meal cult is an important part of countrys culture. Food and drink are the main necessities for sustaining life, and Taiwan cuisine takes a special place among the great cuisines of the world. Taiwan has a broad variety of dishes because of great ethnic diversity. The diversity of cuisines contains 8 principle types: Hoklo (or Taiwanese), Hakka, vegetarian cuisine, northern style cuisine, Hunan, Jiangzhe, Hong Kong, and Sichuan. Seafood is used in all these cuisines as a culinary culture of Taiwan that is simple and light.

In Taiwan people prefer to drink tea or coffee with some sandwiches for breakfast. They like fruits and sweets which are laid in a big plate on the table. For example, when the time for lunch comes, people eat salty dishes such as steamed and chopped chicken, steamed streaky pork with dry mustard cabbage, or dried mustard greens. Besides, they like rice with boiled eggs or fried potatoes with meat or fish. In Taiwan people have hundreds of receipts of dishes with rice and fish. Traditionally, Chinese dinner is laid at the round table in the center of which there is a flat circle on a revolving stand. It is necessary to point out that meals are served on big plates and are put in required amount on small plates by a person. At first cold snack is served, then time comes for hot dishes and only after these dishes the so called principle dishes are served.

In Taiwan people like to eat dishes with rice, meat and fish. In the end of dinner a soup or a broth is served. There is no dessert fruits and sweets are on the table during all the dinner and they are very often used in the principle dish (Bates 2005). Consequently, Taiwan cuisine represents one face by which a country is famous for. Traditional breakfast, lunch, and dinner in Taiwan are similar to breakfast, lunch, and dinner in Europe; however, there are some details you should know about Taiwan cuisine.

Taiwanese architecture is composed of variety of styles. The old traditional architectural model of houses in Taiwan still exists here. However, traditional architectural features of Taiwanese style become unimportant when entertaining and commercial institutions, such as shops and theaters, are built. We should emphasize that modern Taiwanese architecture unites traditional Taiwanese and European architecture styles. There appear buildings in European style, such as buildings of foreign consulates, foreign concessions, banks, hotels and clubs in big cities.

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All about Flexible Mortgages

Flexible mortgages were first introduced into the UK to cater for individuals with flexible working patterns. Flexible mortgages are a recent addition to the mortgage market in the UK, although they have been popular overseas for several years.

The initial target market for flexible mortgages were people who have irregular working patters such as the self-employed, and people who receive irregular payments such as bonuses and commissions.

Typical features of flexible mortgages include, overpayments, underpayments, drawdown of overpayments made, additional borrowing facilities, and no (or low) redemption penalties.

In addition to the features that allow for flexibility with payments, the interest on flexible mortgages is calculated on a daily basis. This can result in massive savings to the borrower and can significantly reduce the term of the loan.

For this reason flexible mortgages have become popular with people in all types of employment who are looking to pay off their home sooner. While the initial target market of flexible mortgages may have been the self-employed, people from all walks of life are now reaping the benefits from this new type of mortgage product.

Interest rates are generally higher on flexible mortgages than for traditional mortgage products to counter the increased risk of the borrower not repaying the full balance of the loan by the end of the term. The flexibility of flexible mortgages allows for this to happen.

Some flexible mortgages can also be linked with current accounts, chequebook facilities, debit and credit cards, unsecured loans, and offset accounts.

One popular type of flexible mortgage is the offset mortgage. An offset mortgage will offset any positive balance of funds in a bank account held with the same lender, in order to reduce the amount of interest payable.

Another type of flexible mortgage that has become popular in recent years is the current account mortgage. Flexible mortgages of this type combine the mortgage with a current account and credit card facility in order to streamline the borrower’s banking facilities. Flexible mortgages of this type are sometimes referred to as a -line of credit-.

Flexible mortgages of all types have been gaining popularity in recent years and should continue to do so as lenders find new ways of satisfying a widening array of customers’ needs.

If you are interesting in flexible mortgages, contact an independent mortgage adviser to receive unbiased, expert advice.

Visit UK Mortgage Source to search for an independent mortgage broker who can provide expert Mortgage Advice on the entire UK mortgage market

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Paper Lanterns An Integral Part Of Feng Shui

All of us have known the beauty that can be created by the use of paper lanterns. However, very few of us have any idea about the numerous usage and effects of using paper lanterns. Chinese have been using paper lanterns from thousands of years and according to them it plays a significant role in feng shui.

Paper lanterns help in increasing fertility:
Millions of women throughout the world face difficulty in getting pregnant. This can be a devastating experience if the wait is really long. Many people do not believe solely on doctors to help them fight the problem with their fertility. Feng shui is believed to help in improving fertility by using red paper lanterns. According to the theory of feng shui, red paper lanterns if hanged on both side of bed can help in getting pregnancy. Many feng shui experts even suggest using a red paper lantern directly over the bed.

Paper lanterns help in bringing positive energy in house
Feng shui is well known as an art that brings positive energy in peoples life. Paper lanterns are believed to play a significant role in bringing a positive energy and harmonica effect in your bedroom and house. Keeping paper lanterns on both or either side of bed is helpful in bringing positive Yang energy into the bedroom and improves the already present chi energy. Bright colored paper lanterns are more effective for harnessing Yang energy.

Paper lanterns help in bringing harmony to marriage
Feng shui uses the energy of polarity and according to it using a pair of same object is very effective. Using a pair of red paper lanterns on sides of bed, both lit simultaneously signify a long and happy marriage. However, for the effect to be more it is important to lit and switch off both the lanterns at the same time so that they work in harmony. This harmony is symbol of marriage and signifies the harmony between husband and wife.
Paper lanterns are very important part of feng shui process. Those who believe in feng shui will definitely know that paper lanterns are not just decorative but a source of positive energy.

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Saffron Hill Apartments

Serviced apartments in London are gaining popularity and preference over hotel rooms with each passing day. But finding that perfect serviced apartment out of a large pool of options in a city like London is not quite an easy task. With so many convenient locations in London, it may not be easy to shortlist one location where you should stay to make the most out of your business trip or vacation.

People who have stayed in good service apartments have definitely enjoyed their stay while saving the bills, despite the extra space and self-sufficiency factor of these apartments, which make them ideal for families or extended business stays. Now the task remains to find out about the perfect apartment!!

What does one look for deciding that this apartment is the most suitable one for me? Cost effective, good interiors, great location, convenient transport links, amenities in the vicinity, furnished with all the necessary equipments, etc. The list is long. But there are excellent accommodation solutions available in the form of Saffron Hill Apartments in Farringdon. The high level of comfort offered by these light and airy short let apartments is wonderful and each one of them features modern amenities such as flat screen TV, DVD player, satellite/cable, telephone, broadband Internet access and fully equipped kitchens with a washer/dryer and dishwasher. You can also enjoy lovely view from the balcony and benefit from the access to health club.

On the other hand, occupants can enjoy other amenities also that the area has to offer with its pulsating bars and well-known restaurants nearby, along with the theatre and arts at the Barbican Centre which is easily reachable. Also, there are many exciting things happening in Farringdon and the nearby Smithfield. The underground station at Farringdon has been thoroughly made over in preparation for the forthcoming cross rail link which will connect it to all the four major international airports. One could also visit Smithfield which was once only a market but is now a popular culinary and nightlife place to be.

The Saffron Hill Serviced Apartments are located amidst the energy and excitement of Farringdon, and enjoy close proximity to interesting neighbourhoods of Hatton Garden, St Paul’s Cathedral, West Smithfield and Leather Lane which provide these apartments a vibrant backdrop of history and culture blended together. Fitting the bill both as a holiday retreat or business foundation with convenient transport links, this location offers all the good things and amenities of London within easy reach.

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Benefits of Retail Outlet in Mixed Residential Commercial Development

The real estate scenario of Singapore is changing with every passing day. One can notice several new condo launch in Singapore, which are bringing changes in the living standards as well as retail business. Yes, condominiums are contributing towards the change in the retail sector as well. The growth of the mixed residential commercial development projects is one of the several reasons. There are different new mixed residential commercial projects in Singapore, some of which are Tanjong Pagar Centre, Duo Residences, and Marina One.

To know more about the good points about the mixed residential commercial projects on retail outlets, let us throw some light on some of their advantages.

The benefits of Mixed Residential Commercial Condos for Retail Section:

Before we start looking at the various benefits, we would like to ask you to focus upon the relation of every point. Every benefit that we are going to mention below is related to each other and builds a chain of relation. Now let us start with them:

Customers or clients: What is the most important aspect for a retail outlet? Isn’t it to find a potential customer? Yes, it is, as it is the customers, who keep the business alive and make it grow. If you have a retail outlet at the mixed residential commercial development, you would definitely get potential customers although this would be a limited group. But, you can turn this to your advantage by understanding their preferences and getting the stock accordingly.

Profits: For getting the space at this type of condominium property, one has to pay big rent. When the space is costly, the products would also be costly, and this would mean that the profits would also be higher. But, to ensure that this works well, you have to make sure that your products are convincing & attracting so that the customer would buy it.

Marketing: To make sure that all your profit planning goes well, you need to work on marketing strategies. And when you have the profits with you, then you can even think about expanding your marketing strategies and push the popularity of the brand.

Brand Awareness: Brand awareness plays an important role behind the growth of the business. If your brand is well known, then it can definitely garner good clientele list. With substantial awareness, it gets easy to work upon the marketing as well as product sales.

By looking at these benefits of mixed residential commercial condos on retail group, one can say that it is a good deal. Yes there would defiantly be certain flaws of it, but with these benefits, it can become easy to walk on the path of success and neglect the flaw full path.

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Mortgage Renewal Options

Assess Your Needs For a Mortgage Renewal

At some point over the life of your mortgage, it will have to be renewed. It is at this point that you will be given an opportunity to re-evaluate your lifestyle and factors that have changed in your life since you first applied for, and secured, your mortgage.

Life is unpredictable – many things can happen that may require additional finances. Perhaps you have to pay for your child’s college tuition, or maybe you suddenly have a large medical expense that needs to be paid. You might have a big trip planned, or an extensive renovation on your home in the works. Whatever your need, a mortgage renewal may be the perfect opportunity to make some changes in your home loan to better suit your current situation.

When you were first approved for your mortgage upon purchasing your home, you may have been locked in at a considerably higher mortgage loan rate. Over the last few years, interest rates on mortgages have experienced record lows, giving borrowers the opportunity to save hundreds or even thousands of dollars over the term of their mortgage by paying less into interest and more into their principal. Renewing your mortgage can give you the option of locking in these lower rates, as well as refinance your mortgage if you need to borrow more money or want to pay your mortgage off quicker.

Mortgage renewals give homeowners the chance to shop around for a new mortgage. When you receive a notice from your bank or current lender reminding you that your mortgage is coming up for renewal, take that opportunity to shop around elsewhere to see if there are any other lenders available that are willing to provide you with a mortgage that offers a lower rate and more convenient packages and conditions.

What was ideal for your situation 5 or 10 years ago may not necessarily be what`s best for you now. Get in touch with an experienced mortgage broker who can help you shop around for a mortgage at the lowest interest rate and most convenient package for you before your mortgage needs to be renewed.

If you are looking for a Lethbridge mortgage renewal, or renewal for any other city in Alberta, call award winning accredited mortgage broker Jim Black and his team at (877) 394-9422 or visit www.mortgageloansalberta.ca for more information.

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What You Should Know About Improvements This Year

Why You Should Go For A Green Remodeling Project

When you decide to renovate your home, you will enjoy a wide range of benefits. When you renovate your home, you will make it more stunning and appealing and at the same time increase it’s overall value. However, the rising costs of energy and resources makes homeowners think twice. If you are one of them, worry no more because I am here to help you solve your problem. There is a way to remodel your home without breaking the bank. Green remodeling is the answer to your problem.

To solve your problem on your home’s high electric bill while increasing it’s overall value, you have to try this project. Believe it or not, most investors and home buyers prefer green homes and will pay more money for them.

In this article, we will be discussing some of the most popular green remodeling ideas for your home.

1. Invest on solar panels for your home.

Solar panels are flat pieces of equipment that can absorb energy from the sun, they are also able to provide homes with electricity. Not only are solar panels easy to install, they are also very eco-friendly. This is something that you want to invest on if your want to save money on your home’s electric bill. Your hard earned money is never wasted when you invest them on solar panels.

2. Cork or bamboo is excellent for your home’s flooring.

One way to make your home more appealing and stunning is by improving it’s flooring. Two of the best options you have for this specific project are: bamboo and cork. You will never have a hard time growing bamboo and this material will never require harmful pesticides. On the other hand, you will have plenty of options when you use cork, this is also a renewable product. Both of these materials are environmentally friendly and will look amazing inside your home.

3. Invest on programmable thermostats.

This may be small but this will definitely reduce your home’s electric bill. They are inexpensive and and very effective.

4. Purchase low-flow shower heads for your bathroom.

If you want to go green, you have to consider replacing your old shower with a low-flow shower head. These are very cheap but will reduce your water usage at home. Low-flow shower heads also come in a wide array of designs, brands, and sizes, your options will never be limited.

5. Invest on glass countertops.

Glass is another material that is eco-friendly. They require less energy when produced or even shipped. Glass countertops are becoming more and more popular because of their elegance and overall appeal. When it comes to color and design, you will enjoy a wide range of options.

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What You Should Know About Improvements This Year

Why You Should Go For A Green Remodeling Project

When you decide to renovate your home, you will enjoy a wide range of benefits. When you renovate your home, you will make it more stunning and appealing and at the same time increase it’s overall value. However, the rising costs of energy and resources makes homeowners think twice. If you are one of them, worry no more because I am here to help you solve your problem. There is a way to remodel your home without breaking the bank. Green remodeling is the answer to your problem.

To solve your problem on your home’s high electric bill while increasing it’s overall value, you have to try this project. Believe it or not, most investors and home buyers prefer green homes and will pay more money for them.

In this article, we will be discussing some of the most popular green remodeling ideas for your home.

1. Invest on solar panels for your home.

Solar panels are flat pieces of equipment that can absorb energy from the sun, they are also able to provide homes with electricity. Not only are solar panels easy to install, they are also very eco-friendly. This is something that you want to invest on if your want to save money on your home’s electric bill. Your hard earned money is never wasted when you invest them on solar panels.

2. Cork or bamboo is excellent for your home’s flooring.

One way to make your home more appealing and stunning is by improving it’s flooring. Two of the best options you have for this specific project are: bamboo and cork. You will never have a hard time growing bamboo and this material will never require harmful pesticides. On the other hand, you will have plenty of options when you use cork, this is also a renewable product. Both of these materials are environmentally friendly and will look amazing inside your home.

3. Invest on programmable thermostats.

This may be small but this will definitely reduce your home’s electric bill. They are inexpensive and and very effective.

4. Purchase low-flow shower heads for your bathroom.

If you want to go green, you have to consider replacing your old shower with a low-flow shower head. These are very cheap but will reduce your water usage at home. Low-flow shower heads also come in a wide array of designs, brands, and sizes, your options will never be limited.

5. Invest on glass countertops.

Glass is another material that is eco-friendly. They require less energy when produced or even shipped. Glass countertops are becoming more and more popular because of their elegance and overall appeal. When it comes to color and design, you will enjoy a wide range of options.

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Villa World Officially Opens Killara Sales Centre in Logan Reserve

FOR IMMEDIATE RELEASE

LOGAN RESERVE, Australia — Buyer interest in Villa World’s 726-lot Killara residential community at Logan Reserve is on the rise following the opening of the long-awaited sales centre.

The major new development, located on Chambers Flat Road, has benefitted from completion of roadworks giving homebuyers easy access to the site and their first close-up view of Killara.

Villa World, a national property developer with more than 30 years’ experience in delivering award-winning residential communities and headquartered online at villaworld.com.au, has been encouraged by the strength of buyer activity at Killara since December.

“With plans to implement a full marketing campaign over the coming weeks, and the sales centre now open, we believe that sales and enquiry will increase significantly,” said Villa World’s general manager of operations Michael Vinodolac. “So far, feedback from the public and builder partners has been extremely positive due to Killara’s excellent location, sense of connectivity and affordability.”

Killara, located in a bushland setting on Chambers Flat Road, has already sold 10 lots with a further seven contracts issued, and 21 expressions of interest received.

The first stage of the Killara development is selling from $178,000 with lots ranging from 301sqm to 587sqm.

The master plan includes 726 home sites, featuring five boutique precincts to suit families at varying stages in life.

Killara’s master plan will deliver a diverse range of housing types surrounded by outdoor recreation facilities including adventure trails, playgrounds and barbecue areas.

The community is close to a range of public and private primary and secondary schools including Canterbury College and St Philomena School.

A new report by Domain has revealed the value of being close to schools, with Logan Reserve Primary School ranked as the country’s second best catchment zone for property price growth.

Domain has found median property prices in the Logan Reserve State School catchment area surged 40 per cent in the past 12 months. It was the only Queensland school in Domain’s national top 10.

The current buyer demographic at Killara is predominantly first-home buyers and young families looking to upgrade into a new home.

“Killara is a fast-growing region that is proving popular for buyers seeking affordable homes,” said Mr. Vinodolac.

The City of Logan’s population is expected to grow by approximately 200,000 over the next 20 years, or almost double the existing population of more than 300,000.

“This is a strong growth region that, while affordable, benefits from its proximity to major employment opportunities in both Brisbane and the Gold Coast,” said Mr Vinodolac.

Villa World has stepped up its interest in the City of Logan with last year’s acquisition of 1,500 housing lots at Greenbank. This followed the sellout of The Sanctuary, an 81-home development within the award-winning Woodlands masterplanned community.

The Killara sales centre is open between 10am and 5pm daily.

For more information about Killara, visit villaworld.com.au/killara or call 1800 874 993. To learn more about other Villa World communities, visit the company’s website at

About Villa World:
Creating value through quality craftsmanship, design innovation, and enduring relationships, ASX-listed Villa World has been one of Australia’s top residential home builders for more than 30 years.

More ideas: Villa World Officially Opens Killara Sales Centre in Logan Reserve