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Death row girl heartbreak surrendered to kill shelter because her family having a new baby

Mortgage Brokers - Should You Use Them?

Believe it or not there are many benefits to using a mortgage broker. In this article only two will be presented.

As mentioned, many (perhaps even you) may feel that with the easy access and amazing source of information provided by the internet it is not a difficult task to source and apply for a suitable loan, however here is something you may not have considered. Everybody knows the major players in the finance industry. Here in Australia they are commonly referred to as the big four. If you stop and think for a while about other lenders that you may have seen advertised on the television or heard on the radio, you could maybe add another five or so lenders to those you are familiar with. Do you think you could name thirty lenders?

Probably not...

The majority of professional mortgage brokers have access to not only the larger players, but around thirty lenders that provide a number of home loan facilities and other financial products. Each of these have different features and options. Thankfully brokers also have access to advanced software that sift through these products to isolate the home loan that best suits your immediate and future needs.

In many cases these less known, but very competitive lenders only offer their products through the broker network - you cannot walk into a branch, and you cannot apply for the loan on-line. So if you don't seek the assistance of a mortgage broker you could be missing out on a more competitive and suitable loan.

A second reason is one you may not have considered - or even been aware of, and this is that every lender has a different lending policy. When searching on the internet you may focus on features such as the interest rate, redraw facility, product flexibility and so on. While these things are important, there is a whole lot more to finding you a lender and product that will help you achieve your goal.

Each lender has a servicing calculation that will determine the amount they are comfortable in lending you given your personal circumstances. You would probably assume that if you entered your details into each lenders calculator you would come out with a borrowing capacity that would not differ too much... you would be assuming wrong! The difference between what one lender is willing to allow and what another is comfortable with can amount to tens of thousands - and that can mean the difference between you buying the house of your dreams, and something a little less than dreamy. Of course you should always be diligent in making sure you can afford what the lender is willing to approve - just because they will lend it doesn't mean you can afford it! Everybody has different circumstances and standards of living, so please keep that in mind.

The above situation is applicable for a run of the mill, permanent employee with a fairly simple scenario, but the point becomes even stronger if you are a casual employee, have a commission pay structure, are self-employed, have a less than stellar credit rating or have some other financial situation that may not be straight forward. Then it is like trying to fit a square peg into a round hole... good luck with that!

This is where your mortgage broker will become your new best friend and savior! They know the lending policy of each institution they are accredited to write with, they are experienced in dealing with the lenders representatives and will know how to rectify your situation or work within the guide lines of different lenders to get you an approval rather than a decline! They know who will lend what to whom and that will save you a whole lot of stress, anxiety, time and money... and they make it seem so simple!

You would be hard pressed to think of a larger financial commitment you will make in your life - other than perhaps marriage and children! So why wouldn't you seek the assistance of a professional who has the training, experience, knowledge, technology and contacts to ensure you have the very best that is available to you... and in most cases free of charge!

So if that is not enough to convince you that you would be doing yourself a disservice by attempting to source your own finance - well - you are special! Convincing as these two points are, there are still more reasons you should use a mortgage broker. You can look forward to reading these soon...

Give your greatest financial decisions the time and attention they deserve. Educate yourself and search for a professional mortgage broker to assist you.


It is a never ending story - a puppy is born, puppy grows up, has her own puppies, puppies are sold, life happens, human baby arrives, dog is unwanted, off to the kill shelter. Even though her Mom and Dads favorite thing about her is "she is a good spirited dog and is super gentle with people," she lived happily with a 9 yr old child already, and she is good with other dogs.

What else would anyone want in a family dog - right!? She's a good girl who needs proper treatment of her skin, so the outside matches her beautiful inside - she is so worth the effort. We all hope that she will have a chance at living her whole life as a beloved pet this time. And that her story is only beginning.


We are NOT the City Shelter to where pictures were taken. FOR MORE INFO ON THIS PET please contact:
Animal Care Centers of NYC (ACC) at (212) 788-4000
Ask for information about animal ID number: PRINCESS, ID # 51693

Shelter contact information:
Phone number (212) 788-4000 (automated only)
Manhattan Shelter: 326 East 110 St. New York, NY 10029

STATUS : - read comment for update from crossposter
The Benefits of Using a Mortgage Broker To Get The Ideal Loan For You

Searching for the most suitable mortgage for your requirements along with your budget may be a tough and often challenging task. The variety of mortgage products currently available ensures that clients can benefit from a variety of options, and these kinds of options improve the likelihood of getting an excellent value mortgage loan. However, the draw back is that you could possibly find yourself wasting hours scouring through the mortgage deals from numerous lenders, and although you are occupied trying to understand the financial terms that most lenders may possibly toss at you, another buyer could possibly snatch the property of your dreams from under your nose.

Additional advantages for you to make use of a Mortgage Broker are:

Going it on your own when searching for an ideal mortgage is a time consuming process. With the speed of life as it stands today, most of us hardly have time and energy to sit back and appreciate a little bit of quality valuable time as it is. Wasting hours attached to the computer or ringing around numerous lenders is one thing that most of us are capable of doing without. Should you go straight from lender to lender to obtain your mortgage, you will end up needing to complete a brand new application for each and every lender, which unfortunately waste significant amounts of time. More time is going to be taken up with searching and researching all the different deals with each lender, in addition comparing the loan providers against each other.

This is the reason that you will require a mortgage specialist that is not only exclusively knowledgeable on just about all of the latest information and facts, but understands the intricacies of the mortgage business. A mortgage specialist will be capable of acquiring the best package to meet your needs while protecting your new mortgage payment to your financial budget. This is certainly accurate of unbiased mortgage brokers.

Making use of a mortgage broker is an excellent means of acquiring a mortgage deal to suit your requirements without needing to devote several hours of your time to researching and browsing. Usually when you use a mortgage broker service, you can simply be eliminating all of the time and work associated with finding a mortgage to match your conditions. An excellent advantage is the fact that the mortgage broker works for you, the client, and typically don't charge a fee (except if you have a unprecedented financial situation), because the financial institutions compensate them right after they close the mortgage deal. A great mortgage specialist are in a position to source a wide selection of mortgage loan deals on your behalf, and will then recommend those which offer the best value with regards to interest rates and monthly payments. All you need to do is complete one simple application form, which will save you the inconvenience of having to complete an application for each and every lender in which you are interested.

A reputable mortgage broker will have already got formed links, contacts, and associations with a variety of mortgage lenders. The individual will subsequently be familiar with which lenders may accommodate your specific needs. Take for instance, for those who have a poor credit score and you are searching for a reasonably priced mortgage, the broker probably will identify which lenders provide convenient finance to individuals with a damaged credit score and can consequently approach the appropriate lenders immediately. Should you be looking for a bad credit mortgage without the help of an agent, you might find yourself going through one application after another with countless unsuitable lenders, so you could end up with a long line of refusals, which may make your credit score a whole lot worse.

Working with Pro Mortgage Team is an excellent way to get a good benefit, affordable mortgage loan, which is customized to fulfill your requirements. Additionally it is a great solution to acquiring a good mortgage deal without needing to put in the difficult work and time.