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Lara Cuthbert, real estate agent at Metropolitan Realty, talks about Doug’s patient approach to educating her and her clients.

Best answer:

Answer by jonathan
try http://www.mookal.com, quick,easy, insightful. I think it’s made in javascript

Know better? Leave your own answer in the comments!

Bonzo is attempting to help his friend George answer some questions about his home
mortgage. Today George paid the 200th monthly payment on his 30-year mortgage.
His monthly payment (P&I only) is $ 950. The annual rate is 9%.

If George had paid an extra $ 200 per month on this mortgage from the
beginning, how many payments would he now have left to make?

Can this be solved using the Time Value of Money equation: Fv = Pmt * fvifa n,r%
where:
Payment = $ 1150 (950 + 200 extra a month)
Payments made to date = 200 (n)
Interest = 9% (r)

When I use my calculator given those values and hit Compute Future Value to find how much he would have paid towards the loan now I get an output that reads:
3.906884 1*1, I don’t have a clue what that means?

Am I on the right track to solve the question, and if so what does that calculators output mean?

Best answer:

Answer by Yirmiyahu
There’s a few ways to do this. The easiest way to this is as follows:

1. Determine original loan amount = 30 year mortgage at 9% annual with monthly payments of 950. Assume this amount is 200,000. (You confirm correct amount.)

2. 200,000 x (1.0075)^200 = accumulated loan balance after 200 months with no payments.
3. (950 + 200) x [1.0075^200 - 1] / 0.0075 = cumulative value of payments through 200 months.

Subtract step 3 from step 2 to determine balance after 200 months.

Take it from here.

Add your own answer in the comments!

Best answer:

Answer by Kim
Do your homework before you go to class (do the research of LV before you move there) and rent your condo. Pocket some of that money.

Add your own answer in the comments!

CMBA Executive Director Susan DeMars invites mortgage servicing personnel to our annual Western States Loan Servicing Conference – ‘Strengthening Servicing, Stabilizing Communities’
Video Rating: 0 / 5

KNOW WHO YOUR CZARS ARE –ENOUGH TO MAKE YOU SICK —ONLY OBAMA COULD CREATE POSITIONS FOR THESE INCOMPENTENT COMMUNISTS AND SOCIALISTS


Image by SS&SS
ARTWORK BY ROB SMITH JR.COM

Stunning……

There are very few of us who know just what all the CZAR’s do up in D.C……………..Here is their names and job descriptions…….should be educational to ALL AMERICANS…………no matter what your political agenda……if you resent this list, then get angry at the one who put these characters on the payroll. And not at the one who posted it

OBAMA’S "CZARS"– Read who they are and realize what they want to do.

Richard Holbrooke
AfghanistanCzar
Ultra liberal anti gun former Gov. Of New Mexico. Pro Abortion and legal drug use.

Dissolve the 2nd Amendment

Ed Montgomery
Auto recovery Czar
Black radical anti business activist. Affirmative Action and Job Preference for blacks. Univ of Maryland Business School Dean teaches US business has caused world poverty. ACORN board member. Communist DuBois Club member.

Jeffrey Crowley
AIDS Czar
Radical Homosexual.. A Gay Rights activist. Believes in Gay Marriage and especially, a Special Status for homosexuals only, including complete free health care for gays.

Alan Bersin
Border Czar
The former failed superintendent of San Diego . Ultra Liberal friend of Hilary Clinton. Served as Border Czar under Janet Reno – to keep borders open to illegals without interference from US

David J. Hayes
California Water Czar
Sr. Fellow of radical environmentalist group, "Progress Policy". No training or experience in water management whatsoever.

Ron Bloom
Car Czar
Auto Union worker. Anti business & anti nuclear. Has worked hard to force US auto makers out of business. Sits on the Board of Chrysler which is now Auto Union owned. How did this happen?

Dennis Ross
Central Region Czar
Believes US policy has caused Mid East wars. Obama apologist to the world. Anti gun and completely pro abortion.

Lynn Rosenthal
Domestic Violence Czar
Director of the National Network to End Domestic Violence. Vicious anti male feminist. Supported male castration.Imagine?

Gil Kerlikowske
Drug Czar
devoted lobbyist for every restrictive gun law proposal, Former Chief of Police in Liberal Seattle. Believes no American should own a firearm. Supports legalization of all drugs

Paul Volcker
E conomicCzar
Head of Fed Reserve under Jimmy Carter when US economy nearly failed. Obama appointed head of the Economic Recovery Advisory Board which engineered the Obama economic disaster to US economy. Member of anti business "Progressive Policy" organization

Carol Brower
Energy and Environment Czar
Political Radical Former head of EPA – known for anti-business activism. Strong anti-gun ownership.

Joshua DuBois
Faith Based Czar
Political Black activist-Degree in Black Nationalism. Anti gun ownership lobbyist. WHAT THE HELL DOES A FAITH BASED CZAR DO???????????

Cameron Davis
Great LakesCzar
Chicago radical anti business environmentalist. Blames George Bush for "Poisoning the water that minorities have to drink." No experience or training in water management. Former ACORN Board member (what does that tell us?)

Van Jones
Green Jobs Czar
(since resigned).. Black activist Member of American communist Party and San Francisco Communist Party who said Geo Bush caused the 911 attack and wanted Bush investigated by the World Court for war crimes. Black activist with strong anti-white views.

Daniel Fried
Guantanamo Closure Czar
Human Rights activist for Foreign Terrorists. Believes America has caused the war on terrorism. Believes terrorists have rights above and beyond Americans.

Nancy-Ann DeParle.
Health Czar
Former head of Medicare / Medicaid. Strong Health Care Rationing proponent. She is married to a reporter for The New York Times.

Vivek Kundra
Information Czar
Born in New Delhi , India . Controls all public information, including labels and news releases. Monitors all private Internet emails. (hello?)

Todd Stern
International Climate Czar
Anti business former White House chief of Staff- Strong supportrer of the Kyoto Accord. Pushing hard for Cap and Trade. Blames US business for Global warming. Anti- US business prosperity.

Dennis Blair
Intelligence Czar
Ret. Navy. Stopped US guided missile program as "provocative". Chair of ultra liberal "Council on Foreign Relations" which blames American organizations for regional wars.

George Mitchell
Mideast Peace Czar
Fmr. Sen from Maine Left wing radical. Has said Israel should be split up into "2 or 3 " smaller more manageable plots". (God forbid) A true Anti-nuclear anti-gun & pro homosexual "special rights" advocate

Kenneth Feinberg
Pay Czar
Chief of Staff to TED KENNEDY. Lawyer who got rich off the 911 victims payoffs. (horribly true)

Cass Sunstein
Regulatory Czar
"common gLiberal activist judge believes free speech needs to be limited for the good". Essentially against 1st amendment. Rules against personal freedoms many times -like private gun ownership and right to free speech. This guy has to be run out of Washington!!

John Holdren
Science Czar
Fierce ideological environmentalist, Sierra Club, Anti business activist. Claims US business has caused world poverty. No Science training.

Earl Devaney
Stimulus Accountability Czar
Spent career trying to take guns away from American citizens. Believes in Open Borders to Mexico . Author of statement blaming US gun stores for drug war in Mexico .

J. Scott Gration
Sudan Czar
Native of Democratic Republic of Congo . Believes US does little to help Third World countries. Council of foreign relations, asking for higher US taxes to support United Nations

Herb Allison
TARP Czar
Fannie Mae CEO responsible for the US recession by using real estate mortgages to back up the US stock market. Caused millions of people to lose their life savings.

John Brennan
Terrorism Czar
Anti CIA activist. No training in diplomatic or gov. affairs. Believes Open Borders to Mexico and a dialog with terrorists and has suggested Obama disband US military A TOTAL MORON!!!!!

Aneesh Chopra
Technology Czar
No Technology training. Worked for the Advisory Board Company, a health care think tank for hospitals. Anti doctor activist. Supports Obama Health care Rationing and salaried doctors working exclusively for the Gov. health care plan

Adolfo Carrion Jr..
Urban Affairs Czar
Puerto Rican born Anti American activist and leftist group member in Latin America . Millionaire "slum lord" of the Bronx , NY. Owns many lavish homes and condos which he got from "sweetheart" deals with labor unions. Wants higher taxes on middle class to pay for minority housing and health care

Ashton Carter
Weapons Czar
Leftist. Wants all private weapons in US destroyed. Supports UN ban on firearms ownership in America .. No Other "policy"

Gary Samore
WMD Policy Czar
Former US Communist. Wants US to destroy all WMD unilaterally as a show of good faith. Has no other "policy".

AND HERE’S A LINK THAT EXPLAINS WHY ALL THESE PEOPLE WERE APPOINTED TO THESE POSTS ——–PURE AND SIMPLE
www.flickr.com/photos/sandiandsteve/4854305144/

Milford, CT (PRWEB) February 09, 2012

Total Mortgage Services, LLC, a leading mortgage lender, announced today that it received its Arkansas Combination Mortgage Banker-Broker-Servicer License from the Arkansas Securities Department and is now able to originate and service residential mortgage loans in the state of Arkansas. Total Mortgage is licensed as a mortgage banker, broker and servicer in Arkansas and holds License Number 103968

“Signs of stabilization in the housing market are beginning to appear and with rates near record lows it is an opportune time for borrowers to move forward and consider purchasing or refinancing a home,” commented John Walsh, President of Total Mortgage. “All of our fully licensed loan officers are very excited to help responsible borrowers throughout the state of Arkansas find the right fixed-rate or adjustable-rate mortgages to meet their financing needs.”

Total Mortgage is now licensed in 26 states and the District of Columbia and has 4 additional state licenses pending.

Total Mortgage, which offers some of the lowest mortgage rates on jumbo loans, FHA-insured mortgages, 30-year fixed-rate mortgages, and adjustable-rate mortgages through its retail and wholesale channels, is licensed in Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Massachusetts, Maryland, Maine, Michigan, Mississippi, New Jersey, New York, New Hampshire, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Vermont and Virginia, West Virginia and the District of Columbia.

To access the most up to the minute mortgage rates available to residents of Arkansas, please visit http://www.totalmortgage.com. To speak with an experienced and licensed loan officer please call 1-877-868-2509 or email contact(at)totalmortgage(dot)com.

About Total Mortgage Services, LLC

Total Mortgage Services, LLC, a provider of some of the lowest mortgage rates, is an industry-leading direct-to consumer and wholesale mortgage lender. The company was founded in 1997, and has been included in the Inc. Magazines’ list of America’s Fastest Growing companies in 2011 and 2010 and holds Better Business Bureau “A” ranking since 1997. Licensed in 26 states and the District of Columbia, Total Mortgage offers a variety of products and programs including fixed-rate loans, adjustable-rate mortgage loans (ARMs), jumbo loans, FHA mortgages and more. In 2010, Total Mortgage launched its wholesale lending platform TMS Funding. Visit TotalMortgage.com for current mortgage rates , FHA mortgage rates, jumbo mortgage rates , ARM rates as well as other mortgage rates. For more information on Total Mortgage, please visit http://www.totalmortgage.com.

###

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

So, who negotiates the price and protect the fragmented owners interest (MBS investors). Is it the servicer of the mortgage? But, because of his own operating cost he also would have an incentive to sell quickly at a low price. How about the securitization bond trustee. Does the trustee step in and negotiate with the broker what price is deemed acceptable to the MBS investors?

You can see it is kind of a gnarly question. If you have a clear understanding of this process, please educate me.

Best answer:

Answer by Pengy
No one because in the end you are ultimately responsible, and the interest and charges keep adding up.

Add your own answer in the comments!