Sample videos and articles!

Sample Mortgage Article

“Business day” is defined slightly differently for Loan Estimates and Closing Disclosures.

For Loan Estimates, each day on which a creditor’s offices are open to the public count as a business day. Loan estimates must be delivered or placed in the mail no later than the 3rd business day after receiving your loan application.

For Closing Disclosures, a business day is defined as all calendar days except Sundays and the Federal public holidays The Closing Disclosure must be provided to you at least 3 business days PRIOR to loan consummation.

Sample Real Estate Video + Article

If you’re selling, don’t do these things – take some notes from the video!

1. Don’t Sell Before The House Is Ready.

If it doesn’t present well, it won’t sell well.

2. Don’t Over-Improve

People buy houses in neighborhoods.

If yours is so “improved” that it sticks out you’re hurting your chances at selling.

3. Hire Wrong

Make your agent choice for business reasons.

Personal relationships matter, but experience and expertise will determine financial success in your sale.

4. Don’t Hide Anything

Covering up or ‘failing to mention’ real problems doesn’t work.

State disclosure laws are strict and you can be sued after the sale for anything that should have been made clear.

5. Don’t Rush

You should know about your mortgage, including pre-payment penalties your market conditions and trends and your options for your next home before jumping on the market.

6. Don’t Get Too Emotional

Your attachment to your house and your own financial needs

don’t really matter in the transaction.

If you can’t set them aside the sale won’t go as you’d like it to.

Remember – it was your home but to the buyer it’s as a house.

Sample Title Video + Article

What is title insurance and why should any buyer get it when purchasing a home (single family, townhouse, condo, apartment, or whatever format your home purchase takes)? Doesn’t the attorney or settlement company handling the closing see to it that you have a clear title? Isn’t this just another way for someone to siphon a few coins off a real estate transaction?

Title insurance prevents the property owner from suffering financial loss if, at any time during his ownership of the property, someone comes along who can show that they have full, or partial, ownership of the property instead.

A careful title search is done at the time property changes hands. On rare occasions mistakes are made anyway. Property can change hands in a number of ways including by deed, by will and by court action. Typically, these proceedings are recorded in different places. Searching the history of ownership to be sure nothing has fallen through the cracks is a tedious job that requires alertness, intelligence, and skill.

It is very likely that the value of your property will go up over the years. As time passes, these elements are likely to result in your home equity’s being your largest asset. Just how devastating would it be if you eventually discovered that someone else owned what you’d always thought was your home?

Do yourself a favor. When you buy a home, buy title insurance. And watch the video to understand the essentials.

Sample Legal Video + Article

These comparisons to board games might help you understand patents, trademarks and copyright – the main forms of intellectual property.

Imagine a game rule that says, you can make up a new rule. If the banker allows the rule, you get exclusive use it for 20 turns. If others like it, they must pay you to use it during those turns. That’s roughly like a patent; patents protect new and useful ideas for a time, so inventors have a chance to profit. Trademarks are about names and designs that identify & distinguish things.

Picture a game where only one player gets to use the label ‘HotelsIncluded’ to describe the properties they sell – which always have a hotel. Other players could sell property with hotels, but can’t use ‘HotelsIncluded’ to describe them. That’s the basic idea of trademarks. Finally, picture a game that includes blank cards. Anything a player writes or draws on a card becomes theirs to own, sell or trade. Since their original ideas are fixed & written down, their ownership rights are protected.

That’s a loose analogy for copyright – creators of original works that are fixed & tangible have legal rights to those works.