Cleaford Police Software Blogging Mortgage Companies Fight for Business

Mortgage Companies Fight for Business

May 23, 2022May 23, 2022| Ashley HarrisonAshley Harrison| 0 Comment | 12:00 am
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Mortgage Companies are fighting for your Business

The mortgage industry is a highly competitive one, so it is considered wise to shop around for the best deal and let the mortgage companies fight for your business.

The mortgage industry exceeds far beyond that of the banks you see on every street corner as you head into town. Besides the banks there are the wholesale and retail lenders. Most wholesale lenders encourage the help of mortgage brokers to bring them potential borrowers.  Go here!

Most mortgage brokers on average deal with more than two hundred wholesale lenders alone. These wholesale lenders are a very diverse group, and their programs and specialties vary from lender to lender.
So if you are considering purchasing a home or refinancing your existing mortgage, don’t be afraid to shop around for the best deal. Go here!

When shopping around for a mortgage product, don’t feel the need to keep this a secret. By letting a loan officer know your intentions, you will most likely send them the message that you don’t have time for games and that it will be in their best interest to make you their best possible offer.

With the rise of interest rates and less refinancing, the lenders are focusing more on home purchases but the inventory is low so home buyers are fighting for getting their contracts accepted while mortgage lenders are fighting for your business.

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Massage Chair Innovation at Its Best

Massage Chair Innovation at Its Best

September 20, 2022September 20, 2022| Ashley HarrisonAshley Harrison| 0 Comment| 12:00 am

Over the last 10 years, massage chair technology has zoomed past our expectations. In years past, a massage chair would have rollers that simply would go side-to–side & up & down.   We would eventually decide to call these 2D roller massage chairs. Shortly later, 3D massage chairs were invented which added a 3rd dimension of in & out movements that you might feel with a deep Shiatzu massage. Now we also see ionizers, voice activation, wireless cell phone charges, and touch screen remotes added to today’s high–tech massage chairs.  
 
The Titan Jupiter LE Massage chair was released last year and was made for larger & taller bodies. The manufacturer claims it will support an individual up to 6’6” & weighs 300 lbs. The Jupiter LE is a 3D L-track massage chair which means the massage rollers extend down into the glute areas. The Jupiter LE is packed with a touch screen remote, hand-free voice activation, 10 Auto-programs, & tons of manual features that allow you to tell the massage chair what to do.  

 
How about a chair that can massage your glutes & your back simultaneously? The Daiwa massage chair company has you covered. At the 2020 CES convention in Las Vegas, NV, the Daiwa Supreme Hybrid massage chair was launched for the public to see & try out. This massage chair introduced the first dual roller system which uses two separate roller systems to hit your glutes and back at the same time. This amazing massage chair also comes with a wireless touchscreen remote, cell phone charges, and an inversion stretch program that truly feels like a medieval torture device. Don’t worry, this stretch program won’t hurt you. It is made to give your spine a nice decompression stretch while massaging your hands, feet, arms, etc. How’s that for relaxation in your home?   For more information how massage chairs can help you over health contract The Modern Back by clicking here -.

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The Rising Market of Online Food Delivery ServicesThe Rising Market of Online Food Delivery Services

July 6, 2021July 6, 2021| Ashley HarrisonAshley Harrison| 0 Comment| 12:00 am

The COVID-19 pandemic has solidified the irrefutable truth of the efficiency of digital platforms in providing necessities to consumers. With the accessibility of mobile phones in the hands of consumers, downloading a food delivery app is at arm’s reach. These applications have a wide variety of cuisines and meals to choose from. These range from American cuisine to Asian cuisine, to fast food options and healthy meals. 

With more and more consumers engrossed in ordering food via online services instead of the traditional method, various platforms have risen to conquer the hearts and appetites of consumers and markets throughout the world. 

Two Types of Online Food Delivery

Two types of online food delivery services have emerged, even prior the pandemic, in order to meet the demands of consumers. These are the Aggregators and the New Delivery. 

Aggregators are basically similar to the traditional way of food delivery services, except they have a single portal for multiple restaurants. In this type of online food delivery, the restaurant handles the delivery of the food to the consumers.

Contrary to Aggregators, the New Delivery type of food delivery have their own riders that deliver the meals ordered by consumers. Similar to the style of the websites or applications of Aggregators, the New Delivery also has a single portal where customers can compare the products of various restaurants. Considering that this type is relatively new since it started only in 2013, it was able to provide delivery options to restaurants who do not have the capabilities of delivering their goods and it also provided access to high-end restaurants who do not deliver.

There is no denying that the food industry has evolved and will continually evolve in order to provide better service, access, and meals to customers throughout the globe.


For more information,visit: Spoonful Meals

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Refinance And Lower Mortgage PaymentsRefinance And Lower Mortgage Payments

September 9, 2022September 9, 2022| Ashley HarrisonAshley Harrison| 0 Comment| 12:00 am

Refinance And Lower Mortgage Payments

Refinancing both your first and second mortgage will lower your monthly mortgage payment and qualify you for overall lower rates. It will also save you money on closing costs and application fees. And while you are looking at rates and terms, you can reevaluate your loan’s payment schedule to better fit your budget needs.

Why One Mortgage Is Better Than Two?
Lending companies prefer financing one total mortgage rather than two separate loans. So second mortgage rates are at least a point higher than first mortgage rates.
Refinancing your two mortgages into one will qualify your for a lower rate mortgage. Since lenders charge flat application fees, you will save money by going through the process only once. Closing costs can also be cheaper.  Go now, to see Loan Trust mortgage rates.

Readjusting Terms
In all likelihood, your mortgages have different terms. Refinancing is a good time to reevaluate those terms and decide what would best meet your budget concerns.
If lower payments are your concern, then choose a longer term. While this will increase your total interest costs, it will ease your immediate budget concerns. Then when your financial situation improves, you can make principal payments to offset the interest costs.

When concerned about interest costs, it’s best to opt for a shorter term with its lower rate. You can also pay points to further lower your rates. But this is only wise if you plan to keep the loan for several years in order to recoup the costs.
Separate Is Sometimes Better In some cases, it is better to keep two separate mortgages to save money. In some instances, refinancing your mortgages individually will get you better rates overall. This is especially true if your total mortgage principal equals more than 80% of your home’s value.  Go now, to see low mortgage rates.

If you plan to cash out part of your home’s equity while refinancing, you may also want to finance a second mortgage separately. Cash out refi loans automatically boost your loan’s rate.
In order to find your best option, request quotes for refinancing your mortgages together and separately. Also look at several different lenders to be sure you are getting the most competitive offer.

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