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Before filling out the mortgage application, it’s smart to collect the necessary documents and information ahead of time, particularly if a mortgage lender is assisting you in person or by phone.
Verification of Income and Employment (VOIE) is a process [1] used by banks and mortgage lenders in the United States to review the employment history of a borrower, [2] to determine the borrower's job stability and cross-reference income history with that stated on the Uniform Residential Loan Application (Form 1003).
The main concern is that mortgage lenders and brokers, operating legally, are finding loopholes in the law to obtain additional profit. The typical scenario is that terms of the loan are beyond the means of the ill-informed and uneducated borrower. The borrower makes a number of interest and principal payments, and then defaults.
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For Zook at Rocket Mortgage, AI can be used to free up the human element. “We found the best use cases are helping humans do what humans do best and computers to do what computers do best ...
Winter brings less daylight and colder temperatures, which can disrupt sleep. Seasonal Affective Disorder (SAD) is more common in winter due to the lack of sunlight, causing sleep disturbances.
When we think of boy bands, acts like the Backstreet Boys and *NSYNC typically come to mind, but the new documentary film Larger Than Life: Reign of the Boybands is a look at the history of boy ...