IOU 9 seconds

I didn't want to short-change y'all.Subprime Lenders DefinedA sub-prime lender is one who lends to borrowers who do not qualify for loans from mainstream lenders. Some are independent, but increasingly they are affiliates of mainstream lenders operating under different names.Sub-prime lenders seldom if ever identify themselves as such. The only clear giveaway is their prices, which are uniformly higher than those quoted by mainstream lenders. You do want to avoid them if you can qualify for mainstream financing, and I'll indicate how shortly. There are lenders who offer both prime and sub-prime loans, and one of them is referred to below. For borrowers who aren't sure where they stand, dealing with a lender who offers both has a distinct advantage. They will try to qualify you for prime and only if that fails will they drop you to subprime. Lenders who are strictly subprime might refer a prime borrower to an affiliated prime lender, but their financial interest dictates otherwise.Subprime Borrowers DefinedA subprime borrower is one who cannot qualify for prime financing terms but can qualify for subprime financing terms. The failure to qualify for prime financing is due primarily to low credit scores. A very low score will disqualify. A middling score might or might not, depending mainly on the down payment, the ratio of total expense (including debt payments) to income, and ability to document income and assets.Some other factors can also enter the equation, including purpose of loan and property type. For example, a borrower who is weak on some but not all of the factors indicated in the paragraph above might squeak by if purchasing a 1-family home as a primary residence. But the same borrower purchasing a 4-family home as an investment might not make it.Subprime Lending TermsSub-prime lenders base their rates and fees on the same factors as prime lenders. For example, rates are higher the lower the credit score and the smaller the down-payment. However, the entire structure of rates and fees is higher at sub-prime lenders to cover the greater risk and higher costs of sub-prime lending.A higher percentage of sub-prime than of prime loans go into default. Sub-prime lending costs are also higher because more applications are rejected and marketing costs are higher.Among subprime loans that don't default, a higher percentage prepay early. Prepayment penalty clauses are often mandatory, and a high percentage of subprime loans have them. On the other hand, escrow of taxes and insurance, which is required in the prime market unless the borrower pays for a waiver, is often not required in the subprime market.The 2/28 ARMA very common mortgage in the subprime market, which I have never seen outside of that market, is the 2/28 ARM. This is an adjustable rate mortgage on which the rate is fixed for 2 years, and then reset to equal the value of a rate index at that time, plus a margin. Because the margins are high, the rate on most 2/28s will often rise sharply at the 2-year mark, even if market rates do not change during the period.For example, the rate is 8% for 2 years but the index is currently 4% and the margin is 6%. If the index remains at 4% after 2 years, the loan rate will jump to 10%.Some borrowers with poor credit scores take a 2/28 at a high rate and plan to rebuild their credit during the 2-year period. Their plan is to refinance at a better rate at that time. The major threat to such a plan is a prepayment penalty that runs past two years, which some do; and a lender who fails to report their payment history to the credit reporting agencies. Borrowers should be on their guard against both.

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Gambling in Monopoly

$500.00 buys you in...

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Bansko Ski Apartments

Visit www.ipbg.info/thehermitagebanskoThe pre-launch of The Hermitage in Bansko, Bulgaria. This unique development comes with instant equity, 70% mortgages pre-approved and free mortgages fr 12 months. Prices from under £30,000.

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A Fiery Shot Of Alcohol

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So little alcohol, so much energy. 5mL of methanol or ethanolis ignited in a 5 gallon water bottle. The alcohol burns at such a high rate it creates a rocket engine effect. If the mixture is just right,
it can knock ceiling tiles off. It looks really amazing at
night. After the burn, the bottle is capped and Charles Law is8demonstrated. As the temperature decreases the volumedecreases. The atmosphere crushes the cooling air in the bottle.

Kent













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Explosive Breath

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If you like dry ice bombs, chlorine bombs your about to beamazed from this simple compound. It should have only been a small fireball....whoops. 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Joe Joseph Mary Maria William JoseGonzalez Robert Roberto Manuel Paquiao Boxing Hockey CharlieCharles Kevin Jerry Jeremy Amy Kim Gold Diamond Silver AndrewJackson Action Pro Owned Noob Pwned Pwn Hack Hacker LaughGeorge Melody Adam Gabriel Anthony High Definition Full PartParts Magical Acting Actors Fashion Design Designers HotelStory Complete Version Little Wide Big Small ExplanationExplain Ending Beggining Begginer International Headline ESPNDemo Alarming Pure Hotel Live Fast Race Coming Soon Dvd HdtvHouse Project Research a b c d e f g h i j k l m n o p q r s tu v w x y z naked nude sexy hot april fools january februarymarch april may june july august september october novemberdecember freddy vs jason nightmare on elm street friday thethirteenth stupid gay socks shoes clothing awesome chickenmonkey duh haters smosh boh3m3 rennetto is cool nobodyswatching television copier copycat watch this who cares dontbe mean nice evil cruel smart inteligente spanish german KaZaABritney Spears 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Explosive Ice

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Ice is added to a dry Pyrex bowl. When the Ice melts thewater reacts with the calcium carbide (place on the bottom) toproduce acetylene gas and calcium hydroxide. The acetylene gas then explodes into flames when a match is place on top. Itwill continue to burn even as the ice melts because it keeps producing acetylene until the calcium carbide runs out.

Kent














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Spoiler Freaky Weird StupidNasty Dogs Cats Animals Slam Dunk And 1 mixtape volume 1 2 3 45 6 7 8 9 10 Last Episode Family Guy Simpsons The GrudgeMyspace Disney Lovable Cute Dragonball DragonballZ DragonballGT animation Visual Great Awesome Wonderful Japanese KarateBoxing Fight Tae Kwon Do Kick Ass Basketball Baseball FootballSoccer Volleyball Ping Pong USC Lakers NBA NFL Raiders SamuraiBored Boring Haha Interesting Fascinating Wonders BeautfullPretty Food Tutorial Trick Tricks Fights Episode Clip ClipsAnime Manga Thriller Thrillers Opening Closing Theme SongMusic Hot Mature Favorite Cool Spiderman Batman SupermanPokemon Yugioh Yu-gioh Sailormoon Mew Mew Shaolin ShowdownMario Link Zelda Final Fantasy I II III IV V VI VII VIII IX XXI XII XIII XIV XV XVI Tila Tequila Michael Jordan Kobe EminemSnoop Dog Beyonce 50 c Hanging Out Shooting Broadcast NewsComputer Joke Jokes How To Edit Democrat Democratic MTV StarsRobot Robots Friendster Howard Stern Mike Jennifer RobinRobert George Michelle Joe Joseph Mary Maria William JoseGonzalez Robert Roberto Manuel Paquiao Boxing Hockey CharlieCharles Kevin Jerry Jeremy Amy Kim Gold Diamond Silver AndrewJackson Action Pro Owned Noob Pwned Pwn Hack Hacker LaughGeorge Melody Adam Gabriel Anthony High Definition Full PartParts Magical Acting Actors Fashion Design Designers HotelStory Complete Version Little Wide Big Small ExplanationExplain Ending Beggining Begginer International Headline ESPNDemo Alarming Pure Hotel Live Fast Race Coming Soon Dvd HdtvHouse Project Research a b c d e f g h i j k l m n o p q r s tu v w x y z naked nude sexy hot april fools january februarymarch april may june july august september october novemberdecember freddy vs jason nightmare on elm street friday thethirteenth stupid gay socks shoes clothing awesome chickenmonkey duh haters smosh boh3m3 rennetto is cool nobodyswatching television copier copycat watch this who cares dontbe mean nice evil cruel smart inteligente spanish german KaZaABritney Spears Dragonball Paris Hilton irs Kobe BryantChristmas NFL Pamela Anderson Brooke Burke Las Vegas Matrix:Reloaded Revolutions Harry Potter Atkins Diet Iraq War NASCARWWE 50 Cent Halloween Jennifer Lopez Kobe Bryant Yu Gi OhLord Rings Clay Aiken Christina Aguilera Eminem Taxes BibleBaseball American Idol Final Fantasy Viagra Al Jazeera X2 XMenUnited Golf Anna Kournikova NBA tATu Halloween Costumes SpaceShuttle Disaster nyc New York CityProm Dresses Mortgage RatesGood Charlotte Valentine's Day Federal Do Not Call List NASAgta Grand Theft Auto Vice City Carmen Electra Avril LavigneSims tupac Shakur Weight Watchers Playstation Powerball SARSPokemon Neopets Hilary Duff Barbie Diabetes FAFSA LondonProm Hairstyles Diets Chicago Star Wars Nelly B2K Evanescence Metallica Michael Jackson Apollo Buffy VampireSlayer The Simpsons Fast Furious Easter Xbox Orlando Bloom U.S. Army Martin Luther King, Jr. AIDS Madonna Anorexia WinMXSkateboarding Justin Timberlake Oprah Winfrey Paris Civil WarSurvivor Adaware Linkin Park World War II Star Trek Half-Life Counter-Strike William Shakespeare College Football Beyonce

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