Get Agents Working for You Instead of the Other Way Around in C#.NET

Reader PDF 417 in C#.NET Get Agents Working for You Instead of the Other Way Around

Get Agents Working for You Instead of the Other Way Around
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check on the person who is going to advise you on what is probably the biggest investment you ll make in your life Unfortunately, the truth is that you can seldom be completely sure about an agent (or any other person with whom you deal nancially) I recently learned of a very unusual case, an agent who was falsifying loan documents This person was telling buyers they could obtain nancing that they obviously could not qualify for, and was getting it! We ll call him Jim (obviously not his real name) Jim was securing false veri cations of employment (which your employer lls out, giving your salary) and false veri cations of deposit (which a bank or an S&L lls out, giving the cash on hand that you have for a down payment) Both these veri cations are what a lender bases a loan on Since most loans today are sold in the secondary market to government agencies, to falsify them can be a federal offense investigated by the Federal Bureau of Investigation or the Treasury Department Fraud is a serious offense Jim was blandly falsifying these documents for buyers, telling them not to worry, it was done every day, it was just a formality, and they d never have anything to worry about The interesting thing is that Jim had been falsifying documents successfully for more than three years! He was considered a successful member of the real estate profession He might have gone on for more years, but circumstances eventually did him in As it turned out he was doing more and more deals with more and more people who couldn t really qualify for mortgages, and the lenders never suspected fraud until there was a downturn in the economy Since in Jim s case the vast majority of mortgages he was placing involved people who were just marginally able to handle the payments, when things got rough and the borrowers lost their jobs, they couldn t pay and stopped Many of their mortgages went into foreclosure What nally happened, apparently, is that one day, a secretary for one of the secondary lenders was going through paperwork and happened to notice that a lot of foreclosures in the area involved borrowers who had originally purchased homes through Jim An investigation was quietly launched It was a simple matter to go back several years and check on the veri cations of deposit with banks
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and S&Ls and the veri cations of employment with employers It quickly became clear that outright fraud had been committed As a result, Jim had his real estate business shut down Even worse, the buyers were likewise charged with fraud That meant that they were personally subject to any losses that the lenders incurred in the foreclosures as well as subject to civil and criminal penalties! The moral of this story is that even a bad apple once in a great while can appear to be a shiny, bright one Of course, as Barnum was heard to say, You can never cheat an honest man If those buyers had really thought it through, they would never have allowed Jim to falsify their veri cations Picking the right agent is certainly the second most important decision you ll make after picking the right house Take the time to make it wisely
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Find the Right House in the Right Area at the Right Price
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Once you ve determined how much of a house you can afford (see 1), you can start the hunt You ll want to marshal all the resources at your command to locate the perfect house However, simply darting about here and there won t do it You have to set certain parameters These usually include the following:
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