Adulting: What’s a Mortgage Broker

What Is a Mortgage Broker and How Can They Help?

Adulting: What’s a Mortgage Broker

So you’re looking for a home?  It’s not as fun as you thought it would be, is it?  There’s a lot more to it.  Not only do you actually have to find a house that fits your needs but you also need to get a mortgage.  Unless you’re in real estate or you’re a mortgage broker, you’re probably not very confident about your ability to make the right decision when it comes to a mortgage.  But don’t worry!  The average adult is so terrible at looking for a mortgage that there’s a whole profession based around it.  Meet the Mortgage Broker.

Getting a mortgage is just as important as finding the right house.  It certainly isn’t as enjoyable as finding your first home and it’s probably more stressful, however, it’s unavoidable.  Like all major, unavoidable, and stressful decisions in life, there’s an insane amount of stuff to consider when getting a mortgage.

Working with a Mortgage Broker, Explained

At first, your instincts will probably tell you to go straight to your bank.  You trust your bank to hold your money, a mortgage should be no different.  You believe that until you sit down and read the fine print.  Maybe you’re not ready to negotiate a mortgage one-on-one with your bank.  That’s okay because there’s a group of professionals that are.

The Mortgage Broker

As I’ve said a few times, mortgages are super important.  They’re also unique to each person.  That’s why it’s essential to have someone who understands your needs and situation when looking for the right mortgage.  You’re going to want personalized service.  You want someone who understands you or your family.  That’s where a mortgage broker comes into to play.

Essentially, a Mortgage Broker is a middleman between you (the borrower) and the bank or loaner.

St. Louis-based Liberty Lending provided a great step-by-step overview of what to expect when working with your mortgage broker. They consult with their customers to offer multiple loan types. The USDA Missouri loan can help to reduce costs in rural and suburban areas where people are looking to buy a home. An FHA loan is less strict than a conventional loan, making them more popular for first time home buyers. Last, VA or military loans are issued to veterans and active military to provide competitive interest rates and 100% financing.

Tips from Mortgage Brokers and Consultants at Liberty Lending

Step 1: Knowing How Much You Can Afford

It all starts with a simple conversation with your broker.  You’ll need to know how much you can borrow.  Your mortgage broker will sit down with you and find out just how much you can or should borrow.  Your broker will ask a series of personalized questions to find out your financial situation.  Once they determine just how much you should borrow, they’ll work with you to parse through the various mortgage options.  Banks love to give you a hefty packet or dense brochure.  Qualified mortgage brokers like the ones at Liberty Lending work with you to get individual options.

Step 2: Getting Pre-Qualified

Getting pre-qualified may very well be the most important step in the mortgage process.  Brokers will work with you to ensure pre-qualification.  Being pre-qualified is essential as it gives you buying clout.  When a seller knows you’re pre-qualified, they’re more likely to go with your offer.  Mortgage brokers ensure pre-qualification.

Step 3: Reading the Fine Print

Though you’ve technically received your loan, the work of your broker isn’t over just yet.  Mortgage brokers like the ones at Liberty Lending will comb through every detail of your contract or application once approved.  They make sure you’re getting the best deal.

Finally, Moving In

The final thing you’re mortgage broker will do is making sure you’re successfully moved into your new home.  Mortgage brokers will work with title companies and escrow to ensure everything is in your best interest.

Good luck out there!

Liberty Lending is a fantastic mortgage broker and offers a variety of resources on how to work with mortgage brokers.

Is Your Home Fire Safe?

Have You Made Sure Your Home is Fire Safe?

Follow These Tips to Make Your Home Fire Safe

As a homeowner, you understand the importance of fire safety.  Not only is your home worth money but it’s also a place of warmth and comfort for you and your family.  Some of the possession we value most are stored in our homes.  However, natural disasters and fire pose a constant threat.  You might think that you’ve taken the necessary steps to avoid catastrophe.  Still, here are just a few tips to make your home fire safe.

#1: Seriously, Have Working Smoke Detectors

First and foremost, you need to install working smoke detectors in every room.  There’s no way around this.  Smoke detectors are essential to keeping you, your family, and your most prized positions safe.  Many homeowners neglect to install enough smoke detectors and will fail to replace the batteries in the smoke detectors they’ve already installed.  Depending on the size of your home, apartment, or condo, and the size of each room, you might need a smoke detector for each room.  Keep in mind that the type of smoke detector installed also varies.  Ionization smoke detectors are the cheapest and work well with flaming fires while photoelectric smoke detectors can sense smoldering fires.  Though photoelectric fire detectors work best, they’re more expensive.  Furthermore, make sure you change the batteries in your smoke detectors at least once every year.

Smoke detectors keep your home fire safe

#2: You NEED a Fire Extinguisher, or two

Most Americans have at least one fire extinguisher lying around the house.  More than likely, that single fire extinguisher is probably located somewhere near a stove or cooking appliance.  That’s a smart place to store it. However, the kitchen isn’t the only place that experiences fires.  All homeowners need at least one fire extinguisher, however, ideally, you should have more than one.  Fire extinguishers should be located in garages, near fuse boxes, and one on each level of the house.  The good thing is that fire extinguishers have decreased in price and homeowners can save when they buy in bulk. If you are unsure about which type of fire extinguisher to purchase, the 5lb ABC fire extinguisher protects against many types of fires and is very affordable. 

Always keep fire extinguishers on hand.

#3: Prevent Electrical Fires

Addressing the factors that contribute to electrical fires doesn’t happen enough.  Faulty electrical systems and wiring not only puts residents at an elevated risk for electrocution but also fires.  To prevent electrical fires, a variety of steps can be taken.  For example, just altering the way in which you treat electronics and electrical cords can reduce the risk of an electrical fire.  When plugging something in, don’t jam the prongs into the outlet.  Similarly, when removing wires, have a firm grip on the cord and don’t yank.  It’s also essential that you have an electrician take a look at your home’s electrical systems once a year.  A few other tips include not removing the grounding prong (third prong) to fit a two-prong outlet, don’t use extension cords as a permanent solution, not overload outlets, and make sure you are using the correct light bulbs.

Don’t let your house have wires like this.

#4: Consistently Update Appliances, Heating Systems

Old stuff including old appliances, old TVs, and old AC/heating systems can be disastrous.  Always make sure to update old appliances.  If an appliance starts acting up, runs hot, or is just old, replace it.  Not only do new appliances lower the risk of household fires but they also reduce energy costs.

#5: Have a Plan for When Disaster Strikes

Sometimes, prevention simply isn’t enough.  Maybe it’s a cooking accident or maybe something out of your control.  However, if disaster should strike and a fire threatens your home and its residents, you need to have a plan.  Know the best ways to evacuate from any room and for larger families, have a designated meeting area once the home is evacuated.  If you aren’t able to douse a fire using a fire extinguisher or by starving it of oxygen, there’s nothing you can do.  You need to get out of the house and contact the fire department.  Safety is more important than trying to be the hero.

 

SOURCE: EPIC KEITH ENGLISH MIC DROP CAUSES ERUPTION IN DEMOCRATIC HOUSE CAUCUS

Heres the story as I was told it by a source that I trust.

During a recent the Democratic House Caucus, someone brought up the fact that Rep. Keith English was given a third floor office by the Speaker of the House. The general consensus was that it was a reward for being the 109th vote to overturn Gov. Nixons veto of a tax cut bill, a vote Speaker John Diehl allegedly had a hand in.

Im told the caucus raked English over the coals for his vote, and then Rep. Carla May stood up.

She allegedly told the caucus that when you join an organization and know the rules, you need to follow those rules. You need to behave. And Rep. English didnt. He broke the rules and now hes being rewarded for it.

English, being a cage fighter whos not afraid to stand up and face a battle, rose and responded that if thats true in the House, its true everywhere.

He then said that Michael Brown was walking down the middle of the street, breaking the rules. Maybe if he hadnt been breaking the rules, hed be alive today.

He then turned and walked out of the room. The caucus erupted.

Mic drop of the session? Maybe.

MEET TRAVIS MORALES, ANOTHER COMMUNIST REVOLUTIONARY AGITATING IN #FERGUSON (VIDEO)

As I wrote before, out of town radicals are flocking to Ferguson, Missouri to do nothing but create chaos and violence which they hope will further the downfall of capitalism worldwide.  One of the agitators is Gregory Joey Johnson.

Now meet one of his partners in crime:  Travis Morales, a communist and proud of it.

He looks like a dweeb.

Here he argues with local Ferguson protestors:

You can hear Brother Anthony Shahid say, Youre not gonna hurt our kids. Morales shouts, No, theyre hurting our kids. Theyre hurting our kids, everyday. They being the Ferguson police, or as Morales would call them, the oppressive pigs doing the bidding of their capitalist overlords or something similar. Heres an action shot of Morales, meeting with said pigs.

Morales reported to his communist readers that he was heading to Ferguson with a comrade of his, Carl Dix.

Why does that name sound familiar?

Oh, right:

These guys are professional agitators. Update: (And by these guys, I mean Morales and Dix, not the rest. In fact, Matthew Giles is a journalist, not an agitator. See comments below.)

They just left New York where they were working the Eric Garner crowd:

While Joey Johnson worked Occupy Oakland, Morales worked Occupy The Bronx:

One of many outsiders who have come to Ferguson not seeking to calm things down in pursuit of justice, but to create as much havoc as possible to foment revolution.

They do not have Fergusons best interests at heart, but their own political agenda.

MEET TRAVIS MORALES, ANOTHER COMMUNIST REVOLUTIONARY AGITATING IN #FERGUSON (VIDEO)

As I wrote before, out of town radicals are flocking to Ferguson, Missouri to do nothing but create chaos and violence which they hope will further the downfall of capitalism worldwide.  One of the agitators is Gregory Joey Johnson.

Now meet one of his partners in crime:  Travis Morales, a communist and proud of it.

He looks like a dweeb.

Here he argues with local Ferguson protestors:

You can hear Brother Anthony Shahid say, Youre not gonna hurt our kids. Morales shouts, No, theyre hurting our kids. Theyre hurting our kids, everyday. They being the Ferguson police, or as Morales would call them, the oppressive pigs doing the bidding of their capitalist overlords or something similar. Heres an action shot of Morales, meeting with said pigs.

Morales reported to his communist readers that he was heading to Ferguson with a comrade of his, Carl Dix.

Why does that name sound familiar?

Oh, right:

These guys are professional agitators. Update: (And by these guys, I mean Morales and Dix, not the rest. In fact, Matthew Giles is a journalist, not an agitator. See comments below.)

They just left New York where they were working the Eric Garner crowd:

While Joey Johnson worked Occupy Oakland, Morales worked Occupy The Bronx:

One of many outsiders who have come to Ferguson not seeking to calm things down in pursuit of justice, but to create as much havoc as possible to foment revolution.

They do not have Fergusons best interests at heart, but their own political agenda.

VIDEO ALLEGEDLY SHOWS MICHAEL BROWN MANHANDLING LIQUOR STORE CLERK DURING ROBBERY UPDATED

Christopher Arps posted this earlier today on Facebook, prior to the video being released:

Seems to me that the narrative has indeed changed, from a innocent young, college bound kid to a violent thug who was stopped because he just robbed a QuikTrip liquor store and assaulted the store owner.

Police released still images and were planning to release video from the robbery, at a QuikTrip store in Ferguson. Jackson said Wilson, along with other officers, were called to the area after a 911 call reporting a strong-arm robbery at a nearby convenience store. He didnt immediately release details about the alleged robbery, saying more information would be released later.

Jackson provided few other details about Wilson at the news conference and did not take any questions. Jackson said Swisher Sweets cigars were stolen in the robbery. He was suspected of stealing the box of cigars. The documents released by authorities include surveillance images from the store.

According to the police reports, Brown and his friend, Dorian Johnson, were suspected of taking a box of cigars from a store in Ferguson that morning.
xbrown-robbery-stroe.jpg.pagespeed.ic.Dzg1QE4GTT

Compare those still with what Brown was wearing when he was shot:

xmichael-brown-on-street.jpg.pagespeed.ic.MvGEXCOIUF

It also explains why the officer identified as the one who shot Brown initially stopped him, and gives credibility to the narrative that Brown attacked him.

**The Chief said Brown wasnt stopped because of the robbery.

Id like to see the size of the officer compared to Brown. Perhaps Brown thought he could through him around like he allegedly did that store owner.

Hat Tip: Gateway Pundit

**UPDATE: I originally reported that Brown allegedly robbed a QuikTrip. This was an error. Changes were made to reflect that.

CHAPPELLE-NADAL TO JAY NIXON: F*** YOU, GOVERNOR! IM CALLING YOUR BULLSH**!

Im just gonna put this here:

And this goes here:

Chappelle-Nadal has quickly become a hero of the protestors for her unfiltered and aggressive attacks on Gov. Nixon. As you can see, that first tweet was retweeted over 500 times, favorited over 600.

Some are calling for her to run for governor.

RADICAL DEMOCRAT STATE REP. STACEY NEWMAN THINKS BENGHAZI IS A PUNCH LINE

Today was a very exciting day in the Missouri legislature.  First, the veto of SB 509 was overturned, giving Missouri taxpayers the first tax cut in almost 100 years.  Then, lawlessness broke out in the Senate gallery.  And tonight, a filibuster is being carried out in the Senate.

Whats a radical Democrat to do?

Easy.  Make jokes about four dead Americans:

Because to the left, four dead Americans are a punchline, or something:

I wasnt as impressed:

I wasnt alone in my disgust –

Newman is all class. Maybe she can bring back her stuffed uterus when she makes her joke about Benghazi.

Update:

The hits just keep on coming

That would take backbone. See all the responses here.

RADICAL DEMOCRAT STATE REP. STACEY NEWMAN THINKS BENGHAZI IS A PUNCH LINE

Today was a very exciting day in the Missouri legislature.  First, the veto of SB 509 was overturned, giving Missouri taxpayers the first tax cut in almost 100 years.  Then, lawlessness broke out in the Senate gallery.  And tonight, a filibuster is being carried out in the Senate.

Whats a radical Democrat to do?

Easy.  Make jokes about four dead Americans:

Because to the left, four dead Americans are a punchline, or something:

I wasnt as impressed:

I wasnt alone in my disgust –

Newman is all class. Maybe she can bring back her stuffed uterus when she makes her joke about Benghazi.

Update:

The hits just keep on coming

That would take backbone. See all the responses here.

OBAMA ADMIN WANTS TO FORCE COMPANIES TO GIVE EMPLOYEES PERSONAL INFO TO UNIONS BEFORE LABOR ELECTIONS

Streamlining the intimidation process, brought to you by Team Obama:

The Obama administration is poised to change regulations to allow for union “ambush elections” in which workers have less time to decide whether or not to join a union — and in which workers’ phone numbers and home addresses are provided to unions.

The administration’s National Labor Relations Board’s (NLRB) proposed rules would allow for union elections — in which workers at a company vote whether or not to unionize — to be held 10 days after a petition is filed. And what, exactly, would be happening to the unions during those 10 days? The new rules require employers to disclose workers’ personal information, including phone numbers, home addresses, and information about when they work their shifts.

One of the first things I thought of was of when SEIU protestors descended on a Bank of America executives home, terrorizing his son, who was home alone at the time.

While thats not a idle concern, its not my main worry. Im more concerned about the unions gathering up all that data and the impact that will have on state and local politics.

Data was the key to turning Colorado blue. From The Blueprint: How Democrats Won Colorado (And Why Republicans Everywhere Should Care):

Coalition for a Better Colorado set about building a ground operation from scratch, with the first building block being voter data. At its most basic level, this could be gathered using public information: Coalition for a Better Colorado purchased detailed files in targeted legislative districts from county clerks in Adams, Arapahoe, Bent, Boulder, El Paso, Fremont, Gunnison, Jefferson, Lake, Larimer, Mesa, Otero, Pueblo, Rio Blanco, Routt, and Weld counties. This information was supplemented as Election Day neared. For example, voters who requested absentee ballots were tracked so mail could be timed to hit mailboxes close to the same time as ballots.

Roundtable groups such as AFL-CIO, Colorado Conservation Voters, CTLA, CEA, and the National Abortion Rights Action League (NARAL) also helped build the database by contributing their own information.

So, if Im reading this right, employers would be forced to surrender all the contact info for each employee to a union if they get enough people to call for an election there.

It would be worth it from a political level to get elections at as many businesses as possible, even ones you know you couldnt win. At least youd get names, addresses, emails and phone numbers for the data base.

And it would save a lot of money for the lefts political ground game.

The only people they wouldnt be able to collect data on are the unemployed, and Id wager they already know where they live.

SHAMEFUL: REP. JEFF ROORDA COMPARES REP. HOLLY REHDER TO NAZIS DURING DEBATE ON HOUSE FLOOR (AUDIO)

During debate on HB 1617, legislation sponsored by Republican Rep. Holly Rehder to let workers annually give or deny permission for union dues to be taken out of their paychecks, Democrat Rep. Jeff Roorda directly attacked Rep. Rehder, comparing her to Nazis.

First they came for the Socialists, and I did not speak out, because I was not a Socialist. Then they came for the Trade Unionists, and I did not speak out, because I was not a Trade Unionist. Then they came for the Jews, and I did not speak out, because I was not a Jew. Then they came for me, and there was no one left to speak for me.”

Roorda read the quote and then asked Rehder, “Who are you coming after next?”

When Roorda was challenged by another Republican for making reference to Nazi Germany, Rooda added, “Lady I never used the word ‘Nazi.’ I hope you don’t think I was comparing you to a 1939-era Nazi German just because you’re doing the same thing that they were.

The shameful comment resulted in condemnation from Speaker Tim Jones.

Wheres the outrage?  Last year when Rep. Holly Rehder compared the public relations efforts of Gov. Jay Nixon to how Adolf Hitler won over the German public, the outrage caused her to apologize.

This is more than referencing Nazi tactics.  This is a direct comparison and a direct personal attack on the House floor.

Roorda should issue an apology and publicly apologize to Rehder.

Heres his contact info:

Phone: 573-751-2504
E-Mail: Jeff.Roorda@house.mo.gov

Please let him know how you feel about his behavior.

Update

Linked at Gateway Pundit. Thanks, Jim.

Update 2

It was brought to my attention that I didnt point out party affiliation. For the record, Rep. Jeff Roorda is a Democrat. Rep. Holly Rehder is a Republican.

Update 3:

I wouldnt expect an apology anytime soon:

Rep. Chris Kelly is a member of House Democratic leadership.

SHAMEFUL: REP. JEFF ROORDA COMPARES REP. HOLLY REHDER TO NAZIS DURING DEBATE ON HOUSE FLOOR (AUDIO)

During debate on HB 1617, legislation sponsored by Republican Rep. Holly Rehder to let workers annually give or deny permission for union dues to be taken out of their paychecks, Democrat Rep. Jeff Roorda directly attacked Rep. Rehder, comparing her to Nazis.

First they came for the Socialists, and I did not speak out, because I was not a Socialist. Then they came for the Trade Unionists, and I did not speak out, because I was not a Trade Unionist. Then they came for the Jews, and I did not speak out, because I was not a Jew. Then they came for me, and there was no one left to speak for me.”

Roorda read the quote and then asked Rehder, “Who are you coming after next?”

When Roorda was challenged by another Republican for making reference to Nazi Germany, Rooda added, “Lady I never used the word ‘Nazi.’ I hope you don’t think I was comparing you to a 1939-era Nazi German just because you’re doing the same thing that they were.

The shameful comment resulted in condemnation from Speaker Tim Jones.

Wheres the outrage?  Last year when Rep. Holly Rehder compared the public relations efforts of Gov. Jay Nixon to how Adolf Hitler won over the German public, the outrage caused her to apologize.

This is more than referencing Nazi tactics.  This is a direct comparison and a direct personal attack on the House floor.

Roorda should issue an apology and publicly apologize to Rehder.

Heres his contact info:

Phone: 573-751-2504
E-Mail: Jeff.Roorda@house.mo.gov

Please let him know how you feel about his behavior.

Update

Linked at Gateway Pundit. Thanks, Jim.

Update 2

It was brought to my attention that I didnt point out party affiliation. For the record, Rep. Jeff Roorda is a Democrat. Rep. Holly Rehder is a Republican.

Update 3:

I wouldnt expect an apology anytime soon:

Rep. Chris Kelly is a member of House Democratic leadership.

SECOND MISSOURI TEACHER DESCRIBES LIES AND DECEIT AND BULLYING SURROUNDING COMMON CORE (VIDEO)

Following the testimony of Susan Kimball, who described the bullying and intimidation she received for her opposition to Common Core, fellow teacher Tonya Pobst testified before the Senate Education Committee.   She said she was going inform the committee about the lies and deceit that surround Common Core in the Sikeston R-6 Public School District.

She described how tests that were once referred to as Common Core were being renamed.

pobst

On the evening of Thursday, Feb 27th, a curriculum meeting was held at the Sikeston Learning Center.  The question was asked if the Smarter Balanced Science Field test was going to be given in the fifth grade this year, Pobst testified.  The chief academic officer hesitated and then answered, Yes.

From the Smarter Balanced website:

The Smarter Balanced Assessment Consortium is committed to supporting member states and territories as they implement the Common Core State Standards (CCSS). Working with educators, Smarter Balanced will identify high-quality curriculum resources aligned to the CCSS and professional development strategies that can be replicated across states.

Post said the test has been renamed from the Smarter Balanced Fifth Grade Science Field test to MAPP Science Field test.

This is now the name being used to notify parents and care givers for this Smarter Balanced Fifth Grade Science Field test, she said.

Rather than tell parents and caregivers they are implementing Common Core standards, schools appear to be hiding the fact from those who should know.

Sen. John Lamping, who sat beside Pobst during her testimony, recalled Missouri Department of Elementary and Secondary Education Commissioner Dr. Chris Nicastro saying Missouri was going to do its own thing.

I was in a meeting two or three weeks ago with Director Nicastro in that room and I made that claim that, Well, the history standards and the science standards are next up and she said, No, no, no, no.  Missouri is going to adopt our own standards, Lamping said. Now we are hearing testimony today.  They are taking Common Core science standards, rebranding them MAPP standards and Im just, I appreciate you being here so much.

Lamping then went on to condemn the harassment Pobst and Kimball received based on their opposition to Common Core.

Sen. Dan Brown offered his own testimony regarding the deceit regarding Common Core, saying hes witnessed it himself during presentations hes seen.

Watch her entire testimony below: