California Mortgage Loan Brokering and Lending

Book Description

This text is ideal for people studying for a real estate licensee, individuals seeking to enter the mortgage loan business and for those already actively working in the industry. Key topics of coverage include appraisal, credit agencies, title and escrow, and computer programs used in the industry. Important legal concepts such as trust fund handling and both federal and state compliances are also covered. There is extensive coverage of the forms necessary for the industry such as loan application, credit authorization, actual escrow instructions and much more.

Customer Reviews:

Must Read This Book If You Must Fully Understand The Industry.......2006-06-04

This book shows thorough research. I feel confident that I know about the industry enough to venture out even further - owning my own brokerage... I currently originate loans as an independent loan officer who is disturbed at the level of professionalism and support that many brokerages offer. This has not only given me further insight into the industry but provides strategies for success. And, who better to get it from but people who have been there, done that, and succeeded. If it is knowledge you need, then this is it!

Only good if you can read it........2003-09-08

I can't image how a well know publisher like South-Western could mess up this badly. I have perfect 20/20 vision and have read countless textbooks in my life - that said, I can tell you that this is an exceptionally difficult book to keep focused on - literally! My eyes begin to strain and ache after 5 min. of reading, primarily because of the poorly chosen typestyle and typesize.

There may be valuable information in here - but I'm going to find it elsewhere.

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California Loan Brokering and Lending Strategies

California Loan Brokering and Lending Strategies
Stanley S Reyburn
Manufacturer: Felde Pub
ProductGroup: Book
Binding: Paperback

Real Estate | Business & Investing | Subjects | Books | Buying & Selling Homes | General | Investments | Mortgages | Sales
ASIN: B0006RVMVI

Customer Reviews:

California Loan Brokering and Lending Strategies.......2006-03-22

Table of Contents

1. What The Field Encompasses - An Introduction
2. Agency Regulating The Loan Arrangement Process
3. Activities Requiring Licensing By The Department Of Real Estate
4. Real Estate Realted Activities That Can Be Performed Without Licensure
5. Supervisory Responsibilities and Due Diligence
6. Operating as a Fiduciary - Agency Responsibilities
7. Consumer Protection - The Role of Disclosures
8. Equal Lending Opportunities
9. Guarding The Client's Money - Trust Fund Management
10. Hard Money Makers And Arrangers
11. Securitization Of Real Estate Credit - Additional Responsibilities Incurred
12. Loan Brokers Operating As Third Party Originators
13. The Role Of Mortgage Banking
14. An Overview Of The Many Facets Of Loan Origination
15. Future Trends in Real Estate Credit
Index

California Mortgage Loan Brokering and Lending

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California Mortgage Loan Brokering and Lending
Malcolm Chambers Donna L. Grogan
Manufacturer: South-Western Educational Pub
ProductGroup: Book
Binding: Paperback
ASIN: B000OU7WAC

Book Description

More and more Canadians are turning to discount brokers as a low-cost alternative to having professionals manage their money, making the discount brokerage industry one of the fastest-growing segments of the investment world.

On-line investing is cheap and easy, an dyou can set up an account with most discount brokers with just a few dollars. But thousands of Canadians with accounts at discounters have no idea on how to make them work effectively. E-Investing How to Choose and Use a Discount Broker is your manual for on-line investing.

Rates the strengths and weaknesses of all the discount brokers in Canada, including cost and service comparisons, and ease of use of discounters' websites.
Features a questionnaire to help you decide if a discounter is right for you.
Explains how to do business with a discounter, whether it's face-to-face, on the telephone, or via the Internet.
Gives step-by-step instructions on how to set up an account and how to get on-line.
Walks you through sample trades step-by-step with dialogues and questions to guide you.
Lists dozens of websites indispensable to the do-it-yourself investor.
Explains how to access tools and resources that allow you to track daily market developments; get quotes, charts, and stock prices; and do research on mutual funds and stocks.

Customer Reviews:

Learn everything about investing through internet.......2000-10-19

If you think you pay too much for your lazy broker, you should keep this book as your new broker. You can get an idea from beginning to ending process of stock, bonf and mutual fund investments through an internet, It's Great!

Book Description

Freshwater Ecosystems and Climate Change in North America brings together a group of experts from the fields of geochemistry, climatology, hydrology and aquatic ecology to address the central question, What would be the impact to and response of freshwater ecosystems in your region as a result of a hypothetical doubling of CO ₂ in the atmosphere? These regional papers and syntheses will provide a solid foundation upon which scientists can proceed and build in their efforts to provide other scientists, regulators, and decision-makers with meaningful information concerning the important phenomena associated with climate change.

Regional Assessment of Freshwater Ecosystems and Climate Change in North America symposium report : October 24-26, 1994, Leesburg, Virginia (SuDoc EP 1.2:R 26/9)

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Regional Assessment of Freshwater Ecosystems and Climate Change in North America symposium report : October 24-26, 1994, Leesburg, Virginia (SuDoc EP 1.2:R 26/9)
U.S. Environmental Protection Agency
Manufacturer: Environmental Protection Agency] USGS-WRD [distributor
ProductGroup: Book
Binding: Unknown Binding
ASIN: B00010VQ5M

Book Description

fiction, "relentlessly brilliant" (Ishmael Reed)

Customer Reviews:

I've read the book, met the man!.......2000-08-09

I met Tony Diaz at a lit festival this fall--it was the coolest experience. Here's the review I wrote for my local newspaper:

His words jump off the page and grab you by the throat. From his colorful descriptions of the world around him to his staccato burst of comedy from his "joke scrapbook"-it's all a strong and unyielding voice. With the constant struggle with his life and his identity, the novel is still relentless and uncompromising in its abundant comedy.

High school student and aspiring comedian Tio Duarte is the novel's narrator and main character. He struggles throughout the novel, literally, with his name. No one calls him by his name: his father calls him "Junior"; his girlfriend Rosie and secret lover Farah call him "sweetie"; his manager calls him "T-O;" his adversary Principal Autruck calls him "Marquez." Intelligent enough to take entrance exams for others, Tio makes money by falsifying documents, as well his own identity. This allows him to create several monikers-and a quick exit if things go awry.

There's Antonio Marquez, the average high school student months away from graduation. There's "D," his rebellious high school alter ego who leads an affirmative action group called MALO (Mexican-American Leadership Organization), which does more stealing and selling of examinations than anything else. There's his "over 21" personality, Lorenzo Cassanova, who easily weaves in an out of nightclubs-he's a smooth talker who's having an affair with Jester's exotic dancer girlfriend.

Most important to the novel are his on-stage personalities. An aspiring comedian, Tio starts the novel trying to perfect his comic role of The Aztec Love God. Jester, and old, bald comedic manager offers to take Tio under his wing. There's one condition-has to ditch his The Aztec Love God act. So he does, offering the club audiences a little more comfortable, and funny, Latino stereotype.

One of the main questions the novel presents is whether or not Tio will break out of the traditional -both on stage, and with his own life. In order to do that, he has to take control. Jester tells him which direction to take his comedy. His girlfriend Rosie announces Tio's non-existent marriage proposal, and even purchases the ring he'll give her; Rosie and Tio's father haggle over their finances, their wedding and their entire life.

Tio openly despises his father who disregards his comedic aspirations. Once made rich by a "lottery," his father speaks in broken English and goes through the daily motions although he has no job to go to after reading the morning paper. Tio is especially peeved that his father won't help him financially, blowing his college fund on what he believes to be the original "Leave It To Beaver" set house. In his life, and in his act, it becomes the hilarious Mexican version, "Leave It To Burro."

With Tio's attitude toward him, it's ironic that his father worked for years as an el peladito, a stock Mexican vaudeville character who was part wise man, part fool, part jester, part clown and all underdog. Tio, like his father before him, is becoming a Latino caricature, scrapping the true Aztec Love God for stereotypes like Jester's conception"Hoe-say" Valdez, Jr. (son of the ubiquitous coffee bean picker, Juan). With the big laughs he gets from making fun of his father through "Hoe-say," Tio gives himself a shot at a big career--maybe his own sitcom. But does he want his life to become "Leave it to Burro"? It's a question that looms throughout the novel, even through all the abundant humor. Through all the hijinks and drama, the funniest and most interesting act would be if he told the people in the nightclubs about his own life. Maybe we're the audience, getting the most compelling stand up routine there is. Maybe we're getting The Aztec Love God.

In the end, the novel leaves us guessing. With his identities crumbling and the authorities (his family, his school, and the actual police) closing in, Tio is forced to pick one identity to get him out of his accumulating problems. Is this his one true identity or another concoction to help him sneak his way out of trouble? You'll have to see for yourself by reading The Aztec Love God.

The Aztec Love God is a must-read--unless you dislike laughing, thinking, and reading the emerging and exciting voice of Tony Diaz.

Cutting-edge vision.......2000-04-10

I had heard about Tony Diaz and THE AZTEC LOVE GOD through the writing group Nuestra Palabra: Latino Writers Having Their Say, which he is the founder of in Houston, Texas. So I went to check it out, and I also read the book. I think they are both alike and linked. THE AZTEC LOVE GOD is cutting edge, and is changing what is expected of Latino Literature. The book is hilarious, but also very wild, and also experimental. On one level, you will laugh out loud at some of the things in the book, the comedy, the situations. The main character Tiofilio Duarte is very funny. It is so funny, and so crazy at times with its form and style that you might miss how deep the book is. It really does take a hard long look at what it means to be an American, what it means to be an artist, how tough and how smart you have to be to survive in this day and age. It will challenge and change what you think of as art, literature, and identity. This is what Diaz does not only with his writing but with Nuestra Palabra: Latino Writers Having Their Say.

Enter the Postmodern Latino..........1999-02-27

The Aztec Love God is an experimental text. It is one that does not invest in the style of the Chicanos of the 1970s, nor of the high brows of New York. It is a book about a young Latino coming of age even when challenged to go down the easy road. Durante the comic, encounters Lester, a would-be manager, who only sees Durante in terms of a stereotype. Durante has to decide which road he should travel, and then, look toward a past that has never really been explained to him. To read the text, one most getting ready to laugh, then think. It is not an airport novel, nor a romance. It is a dose of reality, con un poco humor.

While the book is funny at times, it lacks depth........1998-10-09

I must admit that the reason that I bought this book is because I enjoy reading fiction written by Mexican-Americans. This book did have its good parts. For example, the fact that the narrator lives in a house that was once the set of "Leave it to Beaver," adds to our understanding of the all-American life that the father is trying to provide for his children. However, the book lacked depth. Sure, it was funny at times, but that is all I got out of it. While the voice is captivating, it lacks credibility at times. Some parts of the book seem contrived, and this takes away from the story that Diaz is trying to tell.

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The Aztec Love God
Tony Diaz
Manufacturer: Northwestern University Press
ProductGroup: Book
Binding: Paperback

Aztec | Ancient | History | Subjects | Books
ASIN: B000P3XB6C

Book Description

On a clear July morning in 1346, a small force approached the walls of Caen for battle. The attackers rode to the field on horseback, banners and pennants fluttering in the light breeze. Behind them marched bowmen in tightly ranked units. At the sound of a crisp battle horn, they halted. A twinge of apprehension rippled through the thousands of Norman defenders as they looked down at the opposing army, for precision archery formation had long since disappeared as a military concept in medieval France. Here was not the expected rabble of unrated bucolics cowed by the might of France; confronting them was a quietly determined group of trained soldiers armed, not with the familiar arbalest, but with a new and strange weapon of great length. The defenders of Caen were about to meet the English war bow and its deadly battle shaft. For the next 100 years, this weapon, the "crooked stick," would command continental battlefields, etching its fearsome reputation at Crécy, Poitiers, Agincourt, and Verneuil, while establishing England as a international power for the first time.

Although the longbow is best known for its deployment during the Hundred Years' War, its origins lie with ancient Saxon seafighters and Welsh craftsmen, while today the bow is a vibrant part of the traditional archery scene. In The Crooked Stick: A History of the Longbow, distinguished historian Hugh H. D. Soar pulls together all of these strings, presenting the engaging and often surprising story of this most charismatic stand-off weapon. After a careful consideration of Neolithic bows and arrows, the author weighs both the Welsh and English claims as first masters of the longbow; he then describes the bow's use in the medieval hunt and its associated customs. The bow, however, made its deepest mark in warfare and the author follows the weapon's development and tactical deployment, from the hand-bow used during William the Conqueror's campaigns and the brutal struggles of the Scots, Welsh, and English to the continental set-piece battles between England and France where arrow storms launched by massed longbow archers brought death in the hundreds to both man and horse. After more than a century as the most potent battlefield weapon, the longbow gave way reluctantly to firearms. Its hold on the national character of England was set, though, and its legend was kept alive with great stories, such as Robin Hood, and its retention as a weapon with Royal favor. In addition, the recreational use of the bow became immensely popular and, particularly during the Regency and Victorian periods, archery clubs and societies provided one of the few opportunities for men and women to meet socially. In the twentieth century it appeared as if the longbow would finally disappear into the fog of legend, but a new interest in traditional craft and expertise gained hold, and the pleasure of using this ancient instrument is now firmly part of archery around the world.

Through a remarkable command of manuscript and printed sources and a judicious use of archaeological evidence, including prehistoric rock paintings, artifacts preserved in peat bogs, and magnificent finds such as a frozen Neolithic hunter and the wreck of the Mary Rose, the author establishes the deep connections of this bow to England, Scotland, and Wales. Figures in the past, William Wallace, Edward III, and Henry V appear alongside detailed descriptions of bows, strings, arrows, and arrowheads, while the rise of institutions and craftsmen devoted to the longbow are presented to show how knowledge of this weapon was carried forward across the centuries. Today, bowhunters, target shooters, and others in the sport of archery will find that The Crooked Stick will enhance their own interests in a bow of ancient pedigree and legendary status.

Customer Reviews:

One of the great books on the storied history of the longbow.......2007-04-30

I read this book for a graduate course in medieval history.
Hugh Soar is a great historian of the longbow. "The Crooked Stick: A History of the Longbow," is a great comprehensive work for the history of this medieval weapon of mass destruction. In his book, Featherstone has meticulously researched the history of the longbow, from ancient history through its greatest impact in warfare during the Hundred Years' War; specifically, the battles of Crecy, Poitiers, and Agincourt.

Soar turns his attention to the more detailed study of the longbow's genesis and development in Britain. It is definitively impossible to know when the longbow first came into existence in Britain. However, history does record several historical periods when we know that the longbow, or a weapon similar to it, was used and introduced by invaders of the British Isles. There is evidence that shows that the Germanic longbow made its way into Britain with the invasion of the Saxons in the fifth century. Viking law, from mid-tenth century, required that while aboard ship, fighting men must be equipped with bows and arrows as an addition to their other usual weapons that they employed in their raiding parties. One can still read Viking Sagas of the era extolling the use of bows and arrows as weapons. In 1055, Welsh bowmen while firing from hidden positions on mountain ridges, cut down the Earl of Hereford's Saxon cavalry with devastating effect. This action would be a great lesson lost on King Harold eleven years later, in his defeat at the battle of Hastings. King Harold did have some longbow men in the battle, if one takes the Bayeux Tapestry to be a true pictorial history of the Norman Conquest. Unfortunately, for the Anglo-Saxon army of King Harold, he had to travel very quickly over 250 miles south to engage the invading Normans, which prevented him from taking many archers on foot. In fact, the Bayeux Tapestry is famous for its depiction of King Harold being fatally shot in the eye by a Norman arrow, and thus, changing the course of British history forever.

It is during the fourteenth century in Britain that the longbow gains its reputation as a force multiplier in battle. In military terminology, a force multiplier denotes a factor, in this case, the longbow providing a technological factor, dramatically increasing the combat capability of a military force. In keeping with the theme of our course in comparing fourteenth century events to modern times, one can easily equate the importance of the longbow to fourteenth century warfare in the same way that one can compare the importance that the machine gun had on early twentieth century warfare-specifically during World War I. The longbow provided the English armies of Edward I, through the end of the Hundred Years' War, a distinct and singular advantage over the French armies and their cavalry forces.

Despite all of the early history of the longbow in Britain, it is Edward I who is the real progenitor of the longbow, as used in battle. Edward I keenly learned the tactics and logistics that were necessary to employ with great success the longbow on the battlefields of Wales and Scotland. He realized that the longbow was less expensive and awkward to use in battle then the crossbow, and with a moderate amount of practice, his Welsh bowmen could shoot more arrows in a given time then cross bowmen could. He worked hard at building a national army. In 1298, at the battle of Falkirk, most of his longbow men were Welsh. By 1346, most longbow men were English. They were well trained, well paid, and could be counted by the thousands. Longbow men where deemed so important to the army that they were given pardons for all types of offenses, including murder, in order to go off to France to fight. Their pay was comparable to that of master craftsmen. During the reign of Edward II, English military prowess was in decline. Although Edward II continued many of the recruiting and logistical policies of his father, his tactical decisions, and those of his commanders, were sorely lacking. He suffered an embarrassing defeat at the battle of Bannockburn at the hands of Robert the Bruce of Scotland. However, the lessons his son, Edward III, learned from that defeat put the British army in good stead for fighting in the Hundred Years' War. Those lessons, learned and used in such future battles as Crécy, Poitiers, and Agincourt, were insuring good organization before battle and good discipline of soldiers during the fight. In addition, cavalry without longbow support was useless against enemy spearmen. Conversely, longbow men who were isolated on the battlefield without support, would easily fall prey to enemy cavalry attack.

Crécy is emblematic of the successes that the British enjoyed at the battles of Poitiers and Agincourt. It was the sight of the first major battle of The Hundred Years' War and was a rousing success for the invading British army of Edward III and his sixteen-year-old son, Edward, also known as the Black Prince. Edward III had 12,000 men arrayed against a French force of between 30,000 to 40,000 combatants. Although heavily outnumbered, Edward's longbow men were the force multiplier that garnered a stunning victory for the British over the French. The record shows that the English longbow men were capable of firing ten arrows in a minute. Most estimates of the longbow tactics used in the battle, state that the over one-half million arrows fired by the British, easily cut down the French armored cavalry. The longbow, and the brilliant way in which it was employed, were responsible for the lopsided casualty figures of the battle. Although casualty figures are somewhat unreliable, most sources put the French losses at one-third of the French nobility-about 12,000 men in all, against the British losses of 150 to 1,000 total. In the battle, longbow men comprised anywhere from between five to one, upwards to three to one, of the English invading force. Soar states in his book, "They were some of the finest, most highly trained and militarily efficient troops that any nation ever put into the field of battle." So, why did the French when seeing the efficient destructive power of the longbow, not learn from the advantage it could afford them and emulate the English? Soar postulates a few reasons, such as, the French culture of class snobbery made it difficult for the nobles to accept peasants as equals on the battlefield. In addition, cavalry and chivalry were too hard for French nobles to give up. Another reason was that the French King did not have the power to field a national army in the same way that his English counterparts did. French kings had to rely on their nobles and Italian mercenaries to prosecute their wars during this time; thus, they could not enforce regular training regimens, nor standardized battlefield logistics and tactics. In fact, the longbow reigned supreme on the battlefield until the mid-sixteenth century. By this time, other technologies such as better-tempered armor, cannon, and musketry, overtook the effectiveness of the longbow.

In conclusion, I highly recommend Soar's book to any serious student of medieval history. "The Crooked Stick: A History of the Longbow," is an excellent introductory work for understanding the significance that the weapon had during the thirteenth and fourteenth centuries. It is well written and appointed with plenty of illustrations. The book is a very enjoyable read for anyone with even a casual interest in the longbow or the Hundred Years' War.

Recommended reading for those interested in medieval history, and military history.

If you are into Archery.......2007-02-07

This is a very excellent book on the subject out done only by his subsequent book on the English War Bow. He is a most knowledgeable! Both of his books are MUST haves!

A Must-Read for Anyone Interested in the Longbow.......2006-08-01

In The Crooked Stick, Hugh Soar provides historically sound and wonderfully entertaining information about diverse aspects of the history of the longbow. Though he gives appropriate attention to the much-studied use of the longbow in the Hundred Years War, Soar begins his book with fascinating chapters about the early development of the bow and the place of the bow in the elaborate ritual of medieval hunting. After continuing through an excellent discussion of the English war bow, Soar moves on to the less familiar ground of the development of recreational and social archery in England, including the rise of the archery societies in the Victorian period.

Throughout the book Soar maintains a pleasant, somewhat conversational style. The reader can easily imagine that he is listening to Mr. Soar as he gives a talk to one of the longbow societies in which he is well known. The combination of this agreeable tone with the well selected historical information makes for a thoroughly pleasurable and rewarding read. The Crooked Stick should be read by anyone with even a casual interest in the longbow, and should be added to the library of anyone with a deeper interest.

Easy reading for a bow buff.......2006-03-02

A good, easy to read history of the longbow without getting bogged down in details.Some of the English terms could use a little explaining to us Americans

I shot an arrow............2006-02-11

I have just finished reading "The Crooked Stick" and have found it an interesting if pedantic history of the great English long bow (the deadliest military weapon of its day) and the general field of archery since that time. I now know more about archery than I ever did but was left wanting more. I would like to see a greatly expanded glossary and index. Soar seems to be writing to the archery crowd who are already familiar with arcane archery terms, but the general reader is left in a bit of a fog.

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The Incomplete Guide to the Art of Discovery
J. E. Oliver
Manufacturer: Columbia Univ Pr
ProductGroup: Book
Binding: Paperback

Research | Education | Science | Subjects | Books
General | Science | Subjects | Books
General | History & Philosophy | Science | Subjects | Books
ASIN: 0231076215

Average customer rating:
The Incomplete Guide to the Art of Discovery
J. E. Oliver
Manufacturer: Columbia Univ Pr
ProductGroup: Book
Binding: Paperback
ASIN: B000OQ3O8K

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