24/7 Resource Library

Your Online Learning Comes Home!

Welcome to your unique resources for Learning about Lending...written expressly for you! We have taken the most popular topics from our maranatha! seminars and are providing online access for those who have yet to come to our seminars or are unable to travel to the Memphis area. As in our seminars, you will find topics discussed that will take you on a self-directed journey into the "mystery" of mortgage financing.

We have customized THE LEARNING CENTER to provide you with financial tools which will empower you to gain knowledge about your financial life and to reach for the possibilities which are available to you…many of which you may not know about. 14 major sections are here in your Library; use the INDEX to begin your discovery! Clicking on Calculators and Tools as it appears throughout the text will take you to the twelve calculators available for you!

It has been said, "knowledge is the foundation of wisdom." We are dedicated to your accomplishing wise mortgage decisions with your plans and dreams in focus. In your quest, we are here for you!

Get ready to pre-evaluate yourself prior to focusing on your priorities; know your strengths and the areas that need attention. This enables us to determine with you the most important thing you can share with us…your goals.

1STOP Solutions for Your informed choices! Don't miss Credit Reports & You!; "What's Your Rate Today?" and learning about the History of Mortgages!

In your Library you will find the following information-packed areas in which separate full INDEXES are provided for your convenience:

THE LEARNING CENTER
_14 MUST READ! Sections
Go to Index
Calculators & Tools…Enter Your Numbers!
_Calculate Possibilities with 12 Unique Calculators
Go to Index
GET YOURSELF READY TO BUY!
_Your Guidebook to Homeownership
Go to Index

Save $$$…Energy & Financial TIPS
_Here's How to Keep the Money in Your Pocket!

Go to Index
THINKING ABOUT RETIREMENT?
_Start Early…FOR THE TIMES OF YOUR LIFE!
Go to Index
"What's Out There?"…An Overview of Mortgage Programs
_Arms To Zero-Down!
__…RESEARCH YOU CAN'T DO WITHOUT!
Go to Index
FOR SALE BY OWNER…Buy & Sell!
_DO's & DON'Ts for Buyers & Sellers!
Go to Index
HOMEPRIDE Division…All Paths Lead Home…
_A Wealth of Hard-to-Find Information
__for REFERENCE & YOUR ENJOYMENT!
Go to Index

For your convenience and greater ease of readability, we have increased the size of our text. Also, great care has been taken to avoid any integrated advertising on our site to allow you to freely access information without interruption at all times.

Due to THE LEARNING CENTER being extensive, we suggest you scroll down through the INDEX, click on the underlined portion of the Section you wish to explore and you will go there automatically. Should you wish to return to the INDEX, simply click on at the end of each section & sub-section and you'll automatically return to enable you to select another topic. You'll find moving around your Library in this manner will help make your research much more productive. Check out Section 13's Questions With Answers Which May Surprise You! for a variety of informative topics which will be updated as the questions are asked!

  • Click the Lighthouse at top left to return HOME at any time.

INDEX to THE LEARNING CENTER

Section 1 A Brief History of Mortgages: Then & Now!
    by Patricia A. Allen
Section 2 "What's Your Rate Today?"
___Overview by Robert T. Lord
   
  1. On the Road to Becoming an Informed Borrower
  2. Power to the Borrower!
  3. The True Mortgage Professional
  4. What You Should Ask Yourself
  5. What You Should Know About Interest Rates
  6. Knowledge Will Empower You…Are You 'A' or 'Non-A'?
  7. LENDING TRUTHS for you!

Section 3


____Overview by Robert T. Lord

   
  1. "Pre-Qualification" vs. "Pre-Approval"
  2. Pre-Approval Basics
Section 4 My Mortgage Dictionary… What's a D.T.I. & an L.T.V.?
   

GLOSSARY OF TERMS…Look it Up!

Section 5 CALCULATORS & TOOLS…Enter Your Numbers!
   
  • The ONLINE Planning Tools You've Been Waiting For!
  • Web Calculators Just Know Numbers…Not You!
    _by Patricia A. Allen
Section 6 P.M.I. doesn't mean "Protect My Interest"
____Overview by Robert T. Lord
   
  1. Cancellation of Private Mortgage Insurance (P.M.I.)
  2. How to Calculate P.M.I.
  3. Avoid P.M.I. (If You Can…When You Can't)
Section 7 What's Out There?…An Overview of Mortgage Programs
____by Patricia A. Allen
___Dynamic lowest rate INTEREST-ONLY Program!
   

Arms To Zero-Down!
8 PAGES OF RESEARCH YOU CAN'T DO WITHOUT!

Section 8 From START TO FINISH…The Process Simplified
____You're Pre-Qualified now…WHAT'S NEXT?
   
  1. The Application
  2. Credit Reports
  3. Ratios, Ratios, Ratios
  4. Processing
  5. Underwriting
  6. Closing
Section 9 Required Documents…Getting Together the "Paper Proof"
_____Overview by Robert T. Lord
   
  1. Documents Needed to Apply for a Loan
  2. The Basics & The Miscellaneous
  3. Self-Employed; Commission Income; Investment Property
  4. FHA
  5. VA
Section 10 Why Do I Need an Appraisal?
_____Overview by Richard L. Sorsby, President, Birchtree Appraisals, Inc.
   
  1. Role of an Appraiser
  2. Appraisal Basic
Section 11 Refinance Choices: Why & When?
   
  1. The 'Big 3' to Keep in Mind
  2. Costs of Refinancing
  3. Let your Home Help You!
  4. Get Started and "Wait for Your Window"
Section 12 Debt Consolidation…Do's & Don'ts
   
  1. How Does It Work?
  2. $AVINGS $AMPLES
Section 13 Questions With Answers Which May Surprise You!
New
Qs & As Updated Frequently!
   
  1. What's a "Rate Lock?"
  2. What's a "POINT?"
  3. How does an Underwriter Look at ME?
Section 14 Home Pride Division...All Paths Lead Home...
For Reference and Your Enjoyment!
   


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