As the Gophers Go, So (Don?t) Go the Badgers New York Times, United States - A lot of credit for the Badgers? resurgence has to go to Connelly. The senior from the Philadelphia suburbs stopped 30 of the 31 shots he faced, ...
BioScrip's Time to Right the Ship is Running Out Seeking Alpha, NY - So as of Q2 08 management was fairly confident about the credit and bad debt exposure, but interestingly enough in Q3 08, bad debt expense increased by 84% ...
Let bankruptcy help fix bad mortgages Christian Science Monitor, MA - No one has been able to explain to me why it is not better for mortgage holders to get a fair return of principal, albeit at a lower interest rate, ...
Source: Google News
Recent News and Articles on the Keywords: web + 0.14 Related to the article below (Last Update: 8/4/2008)
Six Flags Announces Second Quarter Results CNNMoney.com (press release) - The teleconference will be broadcast live to all interested persons as a listen-only Web cast on http://investors.sixflags.com/. The Web cast will be ...SIX
Nexity Financial Second Quarter Results Trading Markets (press release), CA - Jul 31, 2008 Webcast: Live via the Internet and Windows Media Player http://www.nexitybank.com/ then to the Investor Relations section, to conference in via the web Then ...NXTY
PPL Corporation Reports Second-Quarter Earnings Earthtimes (press release), UK - Aug 1, 2008 The meeting is available online live, in audio format, along with slides of the presentation, on PPL's Web site: www.pplweb.com. ...PPL
Source: Google News
Measuring the Independence of Central Banks and Its Effect on Policy Outcomes - A Cukierman, SB Web, B Neyapti - The World Bank Economic Review, 1992 - World Bank ... bank in- depen- dence" (index) 0.33 0.33 0.31 0.30 0.30 0.30 0.29 0.29 0.27 0.27
0.27 0.27 0.25 0.24 0.24 0.22 0.21 0.21 0.21 0.20 0.20 0.18 0.17 0.14 0.10 ...
[PDF]Data Preparation for Mining World Wide Web Browsing Patterns - R Cooley, B Mobasher, J Srivastava? - Knowledge and Information Systems, 1999 - mis.ncyu.edu.tw Page 1. Data Preparation for Mining World Wide Web Browsing Patterns ... An important
input to these design tasks is the analysis of how a Web site is being used. ...
Classification of Web documents using a naive Bayes method - Y Wang, J Hodges, B Tang - Tools with Artificial Intelligence, 2003. Proceedings. 15th …, 2003 - ieeexplore.ieee.org ... For example, in [13], the total number of categories used by Quek?s web document
classification ... MB MN MB MN MB MN 0 0.140.14 1 1 0.25 0.25 0.1 0.17 0.3 0.87 ...
Harvesting implicit group attitudes and beliefs from a demonstration web site - BA Nosek, MR Banaji, AG Greenwald - Group Dynamics: Theory, Research, and Practice, 2002 - content.apa.org ... 63 ms (d 0.28); conservative set: face 26 ms (d 0.12), name 29 ms (d 0.14). ... Explicit
Attitudes for Each of the Nine Tasks Available at the IAT Web Site Between ...
Real life information retrieval: a study of user queries on the Web - BJ Jansen, A Spink, J Bateman, T Saracevic - ACM SIGIR Forum, 1998 - portal.acm.org ... But in any case, this, of course, has interesting implications for recall and may
illustrate a need for high precision in Web IR algorithms ... 15 25 0.14 50 2 0.01 ...
[PDF]An Adaptive Agent for Web Exploration Based on Concept Hierarchies - S Parent, B Mobasher, S Lytinen - Proceedings of the 9th International Conference on Human …, 2001 - maya.cs.depaul.edu ... On the other hand, a user interested in searching the Web for specific medical ... music:
1.000 blue: 0.15 new: 0.14 artist: 0.13 jazz: 0.12 review: 0.12 band ...
[PDF]Phylogenetic constraints and adaptation explain food-web structure - MF Cattin, LF Bersier, C Banasek-Richter, R … - Nature, 2004 - unifr.ch ... by one order of magnitude?in the prediction of these standard food-web descriptors. ...
T 0.06 [0.04] 0.08 0.05 [0] 0.03 0.10 [0] 0.10 0.14 [0.28] 0.15 0.08 [0.38 ... -
Source: Google Scholar
"If someone with bad credit marries someone with good credit, could the one with good credit apply for a mortgage on her own without the application being negatively affected by the bad credit of the other one?"
Yes, provided the spouse with good credit has enough income of her own to qualify for the loan. In this case, only her credit will be considered in assessing the application, and only her name will appear on the note. If the incomes of both parties are needed to qualify, then the credit of both parties will be assessed, and both names will appear on the note.
"Can the spouse with poor credit be part owner of the house?"
Many lenders will allow a spouse who is not a co-borrower to be a co-owner, provided her name appears on the mortgage.
In contrast to the note, which evidences the debt that the borrower promises to repay, the mortgage pledges the property as security for the debt. If the borrower doesn't pay, the lender can acquire the property through foreclosure. To protect the right to foreclose, the lender will require all co-owners to sign the mortgage, whether they are co-borrowers or not.
"Why can't the spouse with poor credit wait until the loan is closed and then add her name to the deed?"
She can. However, most notes have a provision that allows the lender to demand repayment of the loan if the names on the deed are changed without the lender's permission. The lender is unlikely to exercise this right so long as the loan remains in good standing. If the borrower defaults, however, this provision allows the lender to force the loan into foreclosure.
" My husband has been out of a Chapter 13 bankruptcy for a year. In applying for a loan, the loan officer said that they needed letters of explanation for the bankruptcy and late payments that appear on our credit report. I don't understand -- what is the lender looking for in the letters of explanation?"
Ask yourself, if you were being asked to lend money to someone who had just come out of bankruptcy, what would you like to know about the bankruptcy?
If you were rational, and most lenders are, you would like to know the likelihood that you will enter bankruptcy again. The story you tell the lender will influence the lender's judgment about that.
If the bankruptcy was caused by outright recklessness, the lender will assume that the probability that it will happen again is high, unless you convince him otherwise. If you are no longer the reckless person you were, how or why have you changed? Have you had a religious conversion? Joined AA? Entered psychoanalysis? In explaining why reckless behavior will not be repeated, the burden of proof is on you.
Lenders would much rather hear that the bankruptcy was caused by unforeseeable misfortunes that were beyond your control. The burden is still on you, however, to persuade the lender that the misfortune is very unlikely to recur.
For example, the firm for which you worked for 15 years suddenly and without warning went out of business. If you now have a new position, you can make a case that this is unlikely to happen to you again. A bankruptcy caused by a natural catastrophe or serious health problem is similar, provided that you are persuasive in arguing that they were one-time events. Be prepared to back up your story with documents or verifiable details.
"My nephew has asked me to co-sign his mortgage. He says that after the loan is closed, I will be taken off the deed and my obligation will terminate. Is this right?"
No. When you co-sign for a note, you stay liable for the repayment of the note until it is paid off. Taking your name off the deed does not eliminate that obligation.
