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What are Points? A. There are several types of mortgage related costs called "points" and their definitions and purposes vary. Generally Authentic Laremy Tunsil Jersey , points are costs that must be paid to a lender in order to receive mortgage financing under specified terms. One point means 1% of the loan amount. 1% Disount point means, it will cost you 1% of the loan amount to buy the rate down by mostly .25% ( 14 of a rate ). 1 point origination fee means, it will cost you 1% of the loan amount by a lender or a broker to do the loan for you.

What does it mean to "lock" the interest rate? A. Due to interest rate movements, mortgage rates can change between the day you apply and the day you close. To protect against uncertainty, a lender can " lock-in " and gurantee you or 30 Authentic Raekwon McMillan Jersey , 60, 90, or 120 days. The longer the days are the higher the rate will be.

What is the lowest down payment I can use or a down payment on my home purchase? A. A 20% down payment used to be a standard, and most lenders today allow the buyer to put down as little as 5% down, or $5 Authentic Jason Sanders Jersey ,000 on $100,000 loan. In fact, over 75% o the borrowers are now putting 0% down payment. If you put 20% down, then you will not pay PMI ( private mortgage insurance ) monthly to insure the loan for the lender. However, if you have a credit score below 620 and aquire a sub prime loan ( higher rate ) Authentic Jerome Baker Jersey , you will not pay PMI. PMI is only applied on prime loans ( prime rates ) with less than 20% down payment. The more down payment you put, the less will the monthly payment on the mortgage.

George Tesfa. Sr. Loan Officer
American Mortgage


Nokia as we all know is one of the most trusted name in the mobile phone market. Especially in countries like India, people have become addicted to this brand. The features which are most appealing to the people are durability, easy to use menus, battery back up and the affordable pricing. They make sure that they manufacture handset for the people who are not so rich. And this mindset has made them popular among all the section of the society. In developing countries most of the entry level consumers want dual SIM for various reasons including economizing time and costs Authentic Mike Gesicki Jersey , improving efficiency and for increased convenience. For people who does not want to spend too much on a mobile phone Nokia has launched a couple of handset with Dual Sim Facility. The Nokia mobile price list perhaps gives a wider view of this fact. The Nokia mobile price showcase an array of such mobile phones made for the people who just want a no nonsense phone. Nokia has now joins the league of companies which produce low cost Dual SIM phones. One of such is Nokia C2-00.


It is designed with state of the art dual standby technology which enables you to access both SIM simultaneously with an option to choose which SIM to be used for outgoing calls. Making it more interesting it comes with a feature called swappable Dual SIM card. This feature facilitates to keep one SIM card inside the phone and swap multiple cards using the second hot-enabled SIM slot. Nokia C2-00 comes with some very basic features. Talking in detail it comes with a 1.8 inch display screen. You also get a in-built VGA camera with 5 X digital zoom. You now can also get to capture photos with absolutely no cost. Nokia C2-00 also has a FM radio and a music player. With support for microSD you get to save your favorite images and songs cards up to 32 GB. Nokia C2-00 is equipped with a 3.5 mm audio jack, which lets you hear tracks out loud by plugging headset or speakers. Internet can be browsed with the help of GPRS facility. And for data transfer Nokia C2-00 comes enabled with Bluetooth and USB port.


Nokia C2 price in India is of entry level. Nokia C2-00 price in India will sure attract thousands of people. Nokia C2-00 reviews states that it has many feature in it which has brought some good comments from the people. Nokia C2-00 reviews states the this device is a balanced feature set and relevant innovations at affordable price points.

Are you a teen who is dating? Are you a pre teen who is thinking they would like to start dating? Or, are you a parent of one of these teens? Are you worried about what to expect, what to do and how to react to your date? One of the most important things to remember about teen dating is that it is just that, teen dating not a life long relationship type date. Now Authentic Kenny Stills Jersey , before you teens get upset; think about how your teen dating experiences are going to play out. As a teen, you are not looking for someone to live your life with, right? You are looking for someone who is cool to be around, interesting to talk to even. Teen dating should be all about fun.

And you can make teen dating be fun as long as you remember a few things. First, lay down the rules about your dating relationship. If dating is meant to be fun Authentic Cameron Wake Jersey , get all that hard stuff out of the way first. Teens need to talk about how you feel about drugs, alcohol, and even sex. Teens need to make sure you are always smart about each one of these things and that your teen dating partner knows where you stand. Parents, make sure your teen knows about how to react in these situations too. Provide guidance to your teen, not lecturing. To learn more about how to do this Authentic Reshad Jones Jersey , visit .

Teen dating should be fun. Open communication can get you into a fun dating relationship. Being open about yourself, your ideas and your goals is a great way to find out if he is worth dating or not. And, for the boys out there, teen dating should not be harsh. Instead, lighten things up and just enjoy being with your date. You'll find that your teen dating relationship is well worth it then!

S A Baker is staff writer at

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