Loan

Credit News

Advanced Fence – Gate #chicago #fence, #fence #chicago, #chicago #fence #contractor, #fence #contractor #chicago, #chicago #fence #repair, #chicago #fence #install, #fence #installer #chicago, #install #fence #chicago, #chicagoland #fence #companies, #fence #companies #chicagoland, #fence #installers #chicago, #wood #fence #chicago, #advanced #fence #systems, #fence #estimate #chicago, #fence #west #suburbs, #fence #repair #suburbs, #gate #install #chicago, #custom #wood #fences #chicago, #chicago #fence #companies, #fence #companies #chicago, #vinyl #fences #chicago, #wood #fences #chicago, #steel #fence #chicago, #chainlink #fence #chicago, #commercial #fence #chicago, #residential #fence #chicago, #fence #cook #county, #cook #county #fence


#

Your Chicago Based Professional Fence Contractor

Advanced Fence Gate is a full-service, Chicago based, professional fence contractor providing fence installation to homeowners, general contractors, home builders, architects and landscapers throughout the greater Chicagoland area such as, the North side of Chicago and surrounding suburbs such as, Park Ridge, Evanston, Des Plaines, Oak Park to name a few. Please check to see if we provide fence services in your area.

We have an outstanding reputation for service and workmanship and we are capable of providing quality results on any size project. See what some of our customers have said about our work.

Advanced Fence Gate guarantees quality fence installations for many different types and styles of fences. Our comprehensive product selection allows our customers to make educated height, style and material choices to truly best suit their fencing purpose within budgetary limits.

Our Creative Fence Solutions Team assists our customers with prioritizing the most common reasons for installing a fence:

  • Security
  • Beautify the property
  • Hide an ugly view
  • Containment: keep children and/or pets safely within your property
  • Block traffic (driveways, etc.)
  • Privacy from neighbors
  • Sound abatement

Our Production Department constantly strives to assure professional fence and gate installations. We attend all local and national trade shows and training seminars in order to stay abreast of new products and installation techniques. In addition, We have completed the American Fence Associations Field Training School (FTS), Sales training school (STS) and IDEA Automated Gate Systems Designer (CAGSD) certification process.

We are actively involved in each phase of the fencing plan. We know who our customers are and what is going on with their project at all times. Our estimators and crews are courteous, knowledgeable, and reliable.

We show up on time, finish the job in a timely manner, and clean up after ourselves. In addition, we are financially stable and carry both liability and Workman’s Compensation insurance. We are involved in the communities we serve and have knowledge of local building codes.

Our pricing is set to provide you with the best value for your fence or gate options. We use the highest quality materials and the best installers available, yet we remain very competitive in the marketplace. We will work with you to provide solutions for your fencing needs. We continue to be the premier fence contractor in Chicago and we value our reputation as well as enjoy working in the fence and gate industry. It s our goal to make that abundantly clear, should you choose to have Advanced Fence Gate supply you with your fence or gate needs.

Call us toll free at (877) 774-6657 for: Insurance Certificate, Bond, License and/or Reference List.

Services We Do Not Provide

  • we do not repair fencing unless we were the original installer
  • we do not install residential projects less then 50 linear feet of total footage
  • we do not install garage doors
  • we do not install decks and porches
  • we do not offer staining and painting of fencing
  • we do not install sheds and gazebos
  • we do not provide installation services for consumer purchased materials
  • we do not service gate operators and access control systems installed by other contractors
  • we do not do concrete work including sidewalks, patios, and driveways

HEC Paris #school #of #management, #specialised #masters, #master #of #science, #hec #international #business #school, #hec, #hec #business #school, #europe #management #school, #management #school, #international #business #school, #business #school #europe, #europe #management #school, #management #training #program, #graduates #students, #business #school, #graduates #studies, #master #degree #of #science #in #management, #schools #france, #schools #europe, #training #program, #higher #education, #professors, #faculty, #academics, #research, #msc, #mim, #mba, #executive #education, #executive #mba, #trium #global #executive #mba, #phd, #certificates, #majors, #custom #programs, #open-enrolment #programs, #custom #programmes, #open-enrollment, #finance, #marketing, #economics, #stratégy, #leadership, #entrepreneurship, #digital #business, #social #business, #sustainable #development, #management, #luxury, #energy, #innovation, #paris, #jouy #en #josas, #china, #qatar, #russia, #saint #petersburg, #beijing, #shanghai, #doha, #ccip, #paris #chamber #of #commerce #and #industry, #saclay, #saclay #university, #paris-saclay, #idex, #paristech, #cems, #leader, #europe, #ft, #financial #times, #ranking, #international, #hec #foundation, #association, #alumni, #graduates, #hec #campus, #library, #equis, #aacsb, #companies, #prospective #student, #executive, #senior #executive, #student, #participant, #recruiting #company, #researcher, #bernard #ramanantsoa


#

Specialized in education and research in management, HEC Paris offers a complete and unique range of educational programs for the leaders of tomorrow: Masters Programs, MBA, PhD, Executive MBA, TRIUM Global Executive MBA and Executive Education open-enrolment and custom programs.

Founded in 1881 by the Paris Chamber of Commerce and Industry and founding member of Université Paris-Saclay, HEC Paris has a permanent faculty, more than 4,400 students and over 8,000 managers and executives in training every year.

Master in Management – Grande Ecole

The Grande École curriculum is divided into a generalist phase and a specialization phase. The first phase concentrates on business fundamentals, while the second one focuses on acquiring an expertise (chosen according to the professional goals of the student). The unique structure of the curriculum enables students to acquire both an excellent grounding in general management and expertise in a specific field. We firmly believe this combination is the key success factor in training future leaders and making a lasting impact on the careers of our students. The second year of the Master’s program Cycle is composed of a specialized and professional curriculum, and the composition of a research paper.

Specialized Masters / MSc

Specialized Masters are one-year Master’s degrees taught in French. They are designed for students who already hold a Master’s degree in an other field and wish to specialize in a specific field of management. MSc programs are one-year Master’s degrees taught in English. They are designed for students who hold a Bachelor degree in any field from leading international universities.

MBA

Custom designed for managers between the ages of 25 to 35 with previous work experience averaging 6 years, the MBA program addresses both functional and crossfunctional skills, through a fundamental and a customized thread to cover all areas of management in depth. Highly selective, the program has around 250 participants per year, from 52 different nationalities with diverse backgrounds and experiences.

Participants gain hands-on, practical experience through seminars integrated into the curriculum, such as the MBA Tournament and the off-campus leadership seminar at St-Cyr Military Academy.

Executive MBA

The Executive MBA is a transformational experience which offers senior managers and executives from all around the world the opportunity to select one of the 8 majors that take place in 14 international locations, and also to take classes in any of its different tracks in France or Qatar.

The EMBA is an interactive and intensive program developed to provide executives with an understanding of the international business context, as well as the comprehensive, practical and innovative knowledge and skills they need, to put their vision into action.

TRIUM Global Executive MBA

TRIUM Global Executive MBA enables executives to understand the world, as it is today and will be tomorrow.

Ranked #3 Executive MBA worldwide by the Financial Times, it is a unique degree jointly awarded by 3 world-renowned universities: HEC Paris, London School of Economics Political Science, New York University Stern School of Business.

Executive Education

Speed up your career!

Executive Education offer training programs for business leaders and host over 8,000 executives and managers from the whole world, to assist companies in training managers, future managers and leaders.
Our desire is to offer executive education programs specifically built for managers and executives. They allow you to gain perspective by revisiting your convictions, learn from the diversity of participants in the class and offer proximity and access to corporate issues. HEC Executive Education relies on the excellence of the faculty of HEC Paris, the expertise of its external speakers and the international reputation of its research in order to offer its customers a unique and unforgettable experience.

PhD

Your Gateway to a career in research and academia

The mission of the PhD Program is to train top-level researchers in the major areas of management, and thereby faster the reputaion of HEC Paris in the best business schools in the world (MIT, Harvard; Princeton, LBS, INSEAD, Oxford, Cambridge. ). Since 2015, HEC Paris delivers the ‘Doctorate in Management Science’ degree in partnership with the University of Paris Saclay.

Intensive course training during the first two years

7 specializations in management

Close supervision by international, research-driven, young and renowned Faculty members

Full involvement in the research ethos of HEC Paris

Financial support for research visits and conferences

Tuition waiver and financial support for living expenses guaranteed for the first 4 years

Summer School

Rankings


Custom Dock Construction Contractor #custom #contractors #insurance


#

Page Links

Morrison Dock Construction

Dock building is serious business at Morrison Contractors.

From pilings to mega docks or from your backyard project to a commercial marina, we can meet your needs; on time and competitively priced. Morrison Contractors has been building docks in South Florida for over 30 years. Morrison Contractors is known for building each project better than it has to be. We always use the finest materials available like marine grade for salt water contact PT pine, stainless steel hardware and PVC composite decking materials.

Marine dock construction projects involve many diverse issues such as dock size and location, environmental and regulatory issues, specialized insurance requirements, permitting and governmental compliance.

Dock Construction

Morrison contractors can construct your new dock from wood, composite material, concrete or any combination of these materials. Wood docks are built from high grade marine pine lumber or IPE. IPE or Brazilian Walnut is one of the densest hardwoods available, three times harder than cedar. Morrison is also a Platinum TREX Dealer and installer. TREX, a popular composite decking material made out of recycled materials, is known for toughness and longevity in severe conditions. Commonly used for walkways and deck surfaces, TREX comes with a factory backed 25 year warranty.

With our own barge and crane, we are uniquely qualified to complete heavy marine construction projects such as: pile driving, concrete panel walls, concrete boat docks, and restoration systems like batter pile driving with new seawall caps. If your dock or seawall requires hurricane approved engineering, we are up to the task. That is why Westrec Marina used Morrison Contractors to rebuild Harbortown; the City of Dania’s public boat ramps and the Hall of Fame Marina. We get the job done on time and without excuses.

Dock Permits and Insurance

If a marine project is undertaken without the necessary permits, the owners may be severely fined and/or forced to remove the structure. Our full time dedicated staff of experts has years of experience dealing with dock permitting and compliance. South Florida dock construction projects are regulated by local and county zoning departments as well as State environmental agencies. We file and obtain all required permits for your project and walk the construction through to completion. A Morrison dock is always properly permitted and built by skilled craftsman who know they are working for a contractor with a serious commitment to quality.

In addition, Federal regulations require contractors involving construction over water to obtain Longshore and Harbor workman’s Insurance. If a construction death occurs on your project without this insurance, you could be held personally liable. Morrison Contractors is a licensed Florida Marine Contractor and carries all required State and Federal insurance coverage.

How long will it take to build my dock?

On average the permitting process takes approximately 30 days to complete. There could be issues that prolong that window. Morrison’s experienced staff has dealt with numerous extraordinary situations and will work hard to resolve them as quickly as possible. The average construction time is 1-2 weeks.

Will my new dock come with a warranty?

All Morrison docks are warranted for a full year from date of completion. In addition, material manufacturers such as TREX offer warranties on their products.

Call today and find out why Morrison Contractors builds the best docks in South Florida. For more information about our products and services, please call us at 954-583-8500 or Email us directly from this website.

Request an Estimate

The best construction. The best materials. Your best choice is Morrison Contractors!


Register Domain Names at – Business Web Hosting Services and Domain Name Registration Provider #register #domain #names #registration, #business #web #hosting #services, #web #hosting #provider, #business #email #accounts, #web #site #hosting, #domain #name #registration, #custom #web #site #design, #professional #website #design, #ecommerce #hosting #services, #domain #registration, #buy #domains, #domain #search, #domain #hosting, #registrations, #seo, #websites, #whois, #registrar, #registry


#

Finding a great
domain name is easy

It’s easy to create and
manage your own website

Finding a great
domain name is easy

Finding a great
domain name is easy

Professional Email

A professional email address associated with your domain allows your business to present a professional image to customers. Register.com offers a variety of email packages which can be tailored to your specific needs, whether it’s for a single email user or multiple business email accounts.

Online Marketing

Marketing your business online takes time, money and lots of technical expertise. Register.com takes care of that for you, putting you everywhere your customers are searching. Our online marketing services include local directory submissions, PPC, SEO, and Email Marketing.

eCommerce

Register.com’s flexible eCommerce websites can be used to sell both physical and digital products. All packages come with hundreds of free templates, an online product catalog, and mobile eCommerce. In addition, our Take-a-Payment solution can be used to accept payments for services or to take donations.

Hosting SSL

Register.com offers affordable web hosting plans designed to help professionals and small businesses maximize their web presence. We also offer SSL Certificates, or Secure Sockets Layer Certificates, which authenticate your website to assure customers that your website is secure.

Domain Names

Register.com makes it easy to find the right domain name for your website. We also offer a full suite of domain services, including: domain name registration, domain name transfers, domain expiration protection, and domain privacy services.

Websites

Register.com offers a wide range of website design solutions ranging from Do-It-Myself Web Design Services to fully Custom Website Design. With Register.com’s website solutions, you can create a professional looking website in a few clicks or have our expert website designers build a fully custom website for you.

Solutions That Work for Your Business

24/7 Award Winning Support

Register.com’s in-house award winning support team is here to not only help you with your questions, but offer insight to assist you in your business endeavors. Enjoy 24/7 support and live chat with one of our experts.

Over 3 million small businesses rely on Register.com every day.

  • Register.com was founded with one core goal: to enable small businesses to succeed online.
  • Every Website or Facebook page we build starts with an in-depth interview with a design consultant.
  • We want to understand your business. We use this information along with our 13 years of experience to build you a high-impact website.
  • Our design consultants are experts at optimizing for Google , Yahoo! , Bing , and Facebook. Every website we build comes with marketing. We make sure your website gets found.
  • If you already have a website we can help you too. Check out our Ignite Online Marketing solution. There are hundreds of places you need to market your business online. We put you in all of them. FAST.
  • We understand how important it is to keep your website fresh. Just give us a call. We’re always here to make any change or update to your site.
Find the right solution for your business 1.866.455.1655

Register.com is a Web.com Company. Register.com provides the essential tools that businesses need to build and manage their online presence. With over 15 years in the industry, 50 products, 2 million domain names under management, and hundreds of thousands of satisfied customers Register.com is the leader in online small business tools.


UO Evolution – Ultima Online Custom Freeshard: UO Evolution – Custom UO Freeshard #uo, #free, #shard, #top, #best, #ultima #online, #uo #evolution, #freeshard, #uo #server, #forever, #custom


#

UO Evolution Ultima Online Free Shard
#1 Custom RunUO Shard Emulator! Log in and play for FREE!

UO Evolution is hosting our Grand Auction Sunday June 18th at noon cst! Meet at the Auction Hall

UO Evolution had 780 players online on for the UO Evolution 6th Anniversary!

UO Evolution is the best custom Ultima Online, RunUO emulator, free shard and is ranked #1 by the community in the UO custom freeshard category! We are also top rated on 30 Ultima Online top lists

UO Evolution is a unique shard that develops it s own exclusive content, along with including the best aspects of the original AOS, SE, ML and SA expansions. The shard has been online over 6 years, 10,000+ accounts and an average of 500+ players online, peaking around 600+ during prime time events

We are on an ultrafast new dedicated private server. Our ping times are the fastest in the top 10 freeshard lists!

You can also view our online stats here

If you enjoy a challenging environment, strong community reviews and active staff/developers then this is the UO shard for you!

Having trouble connecting? Try following the simple steps listed on our How to Connect Page

NOTE to new players

Please make sure you take the time to download our Custom Patch Without it you won t be able to see our custom graphics package!

UO SHARD HIGHLIGHTS

3 houses per account. Custom Housing options, own a house on a mountain top, house on the water or a house in the stars of Malas!

5 player characters per account. Only one character is needed due to the unlimited skill cap, but role playing the other characters is encouraged.

300 Stat Cap, 350 Stat Cap with stat cap increase deeds that you receive from champions and events.

No Skill Cap (Max ALL skills on all characters)

Original OSI Maps, All Facets and Dungeons Fully Spawned including Tokuno, Ter Mur, Underworld and Stygian Abyss

Exclusive Tokuno Content The New Black Belt System and Tokuno Expansion content was added for the 4th Anniversary!

Unique Artwork, Graphics, buildings, GUI, and Mobiles not seen on any other shard over 100 custom castles, cathedrals, buildings and dungeons to explore!

New Graphics/Monsters/Items, Several Facets are completely custom with new adventures and quests

Customized Areas including Auction House, Vendor Mall, Library, Training Area, Quest Hall and Artifact Museum

Hundreds of Ultima Online quests!

New UO Crafting Systems exclusive to UO Evolution Shard

Enhanced Crafting systems including Runic Crafting, Enhancing, Sockets/Augments, Item Leveling, Contracts, Custom BODs

Dozens of New Resources

UOE Custom Crafting System
5 Ore Types
7 Log Types
7 Leather Types
Magic Cloth
Contract System
Craftable Levelable Weapons
Craftable Furniture [Elven Gargoyle]
Craftable Deco Items

UO CUSTOM SYSTEMS

Custom Animal Taming, with new custom pets
Unique Animal Breeding, with trait system
Evolution Dragons
Bioengineering pets/mounts
Custom 3-plot housing, water houses, mountain houses
Golem Crafting System
Socket/Augment System
Tomb Raider System
Archaeology
Custom Treasure Maps and chests
Gold Ledger, Token Ledger, Loot Bags
Puzzle Box Mastermind
Wine Crafting
Wood Crafting
Rug Crafting
Wax Crafting
Aquarium Crafting
Player Vendor system
Contract System
BOD Expansions and Rewards
Tokuno Expansion and Blackbelt System

Daily UO Staff Hosted Events

UO Evolution Event Calendar
UO Evolution Event Forum
Helpful Friendly UO Community
Experienced, Mature and Dedicated Staff
WIKI with all the custom shard information
Role Playing Encouraged (Good vs Evil)
Players are encouraged to run events
Themed events on every holiday, with gift bags
Challenging Gameplay from novice to expert
Monthly Auctions

Looking for more information? We are always coming out with new and exciting content and shard updates, visit our forums for more information!

You can like us on Facebook for current information and events

You can follow our Development team, UO Evolution adds new content every Friday and posts the updates on our Developer Logs on the Wiki

UO Evolution [DEDICATED SERVER] Ultima Online Freeshard

Logon server: play.uoevolution.com Port 2593

UO Evolution [ML/SE/SA] USA shard with the most custom content anywhere! No skill caps, 350 Stat Cap, Fast gains, New Champs, Hundreds of custom monsters/Items, 150+Quests, Custom crafting, New Spell system, Animal Breeding, Bioengineering, Evolution Dragons, Experienced Staff, Friendly Community, All Facets fully spawned with OSI and custom content including Ter Mur, Underworld, and Stygian Abyss

UO Evolution Server Online
Votes: 10121

Current players: 510
Average players: 425
Maximum players: 780

Current response time: 31ms
Avg response time: 61ms
Uptime: 98.98%
Page Views 491,302
Staff Online 3

Ranked #1 Custom Free Shard

491,302 Views Since December 2010-2017

Live events and in-game events are a key feature of UO Evolution which makes it vastly different from any other Free Shard. There are different types of events, which are run over several days or at specific times. Events vary in difficulty and
are a great place to meet up with your shard community.

Domino will be running the Free Champ Friday Event today!
Candy Apple is running Pet Wars on Saturday at noon!
Zoe is hosting the Grand Auction this Sunday at noon!
The staff will also be running Father’s Day events all weekend, watch for the in game announcements.

Hello Fellow Britanians!

UO Evolution is calling all brave warriors to return to the kingdom!

***UO Evolution Reunion***

We sent out an email to all of out old players from the past 6 years and invited everyone to return for the grand auction and Father’s Day events.

If you want to return to the shard this weekend, we are setting up new accts and giving max stats for new/returning players to skip the grind and preview the shard.

I ask the community to welcome all of the new players as well as the returning players. Make sure we help them all get started again with some gear and friendship!

UO Evolution has been growing again and I would like to keep the momentum going. We hit the 800+ players online mark, which very few freeshards have ever achieved.

Our next goal would be to break 1000 players online! We will need a community effort to attract new players and to continue growing our playerbase. Please log in often and keep voting daily, to keep us #1 on all the top shard lists!

***House Drops/IDOC Events***

We are going to do house drops in July. This is a great time to get a bunch of old rares and gear. It’s also going to free up a ton of prime housing locations, so get ready for the land rush!

Even if you are not participating in the events, make sure you log in and refresh your accounts. Inactive accounts with no log ins for over 6 months are subject to deletion! LOG IN NOW!

***New Custom Content***

Kane continues to deliver weekly updates every Friday and adds new content for us
to all enjoy! See the forum and developer logs for details.
uoevolution.com/wiki/index.php/UOE_Development_Logs_2017

Join us on UO Evolution for the Auction and House Drops!

To survive in this hostile land thou must first know thyself! Seek ye to master thy weapons and thy magical ability! Take care in these thy first travels in Britannia. Until thou dost know well thyself, travel not far from the safety of the townes! — Lord British

To survive in this hostile land thou must first know thyself! Seek ye to master thy weapons and thy magical ability! Take care in these thy first travels in Britannia. Until thou dost know well thyself, travel not far from the safety of the townes! — Lord British

I just wanted to share this rune library guide to help find the info you are looking for on UO Evolution! Ty Bezado.


Loan Contract Forms, Custom Loan Agreements, and Loan Payment Tracking #housing #loan #interest #rates


#loan contract template
#

What is a security agreement?

A security agreement is a document that can be used to supplement a promissory note. Security agreements allow lenders to take property if a default occurs. You can execute a secured promissory note without a separate security agreement. LendingKarma secured loan documents contain language in the promissory note for collateral thus it’s not necessary to draw up a separate security agreement for use with our promissory note. However for added security you may also want to file a UCC form with your state. (See “What is a UCC form?” for more information).

What is a UCC form (Uniform Commercial Code)?

A UCC form, otherwise known as a financing statement, is a form that is filed with the appropriate recording agency that publicly declares the lender’s interest in the collateral specified in the promissory note and security agreement. Once a UCC form is completed and filed with the correct governmental authority, the lender’s interest in the property is considered “perfected.” This means that if future lenders also seek a security interest in the same asset, the lender with the perfected interest would have top priority and could take the property for themselves after a default.

Do you need to file a UCC form with the state if you make a personal loan with collateral?

It depends. In most cases, it’s enough to simply document the collateral (which you can do using LoanCreator ™) since the lender and borrower know and trust each other. In other cases, it may make sense to file a UCC form to give the lender more security in the case of default.

If you are thinking of filing a UCC form for your personal loan, here are some things you should know:

download a form or even file electronically, select your state:

What if I’m creating a real estate or mortgage loan?

Creating a loan that involves real estate (otherwise known as a mortgage) requires a bit more documentation than most other loan types. Below is an overview of some of the terms and at least some of what you’ll need to do to create a mortgage.

Mortgage Documents

A mortgage involves two important legal documents: a promissory note and either a mortgage document or deed of trust.

Promissory Note: The promissory note (also called a mortgage note or real estate note) is a note the buyer gives to the lender promising to repay the amount of the loan plus interest. The note also states the amount of time the buyer has to repay the loan and what action the lender may take if the buyer fails to make the required payments. The note should state the interest rate and specify whether it is fixed or variable. The note also may contain provisions such as a balloon payment.

It is important to note that the borrower’s typical monthly payment to the lender is not solely for principal and interest owed on the note. Monthly payments might also include escrow payments for property taxes and insurance.

Mortgage Document or Deed of Trust: The borrower gives the lender either a mortgage document or a deed of trust, depending on the state where the transaction takes place. Both a mortgage document and a deed of trust serve the same purposes of pledging the borrower’s title to the property as security for the loan and giving the lender a claim against the property in the event of default. A mortgage document and a deed of trust have a few key differences:

Mortgage Document: A mortgage document is used in most states, including Florida, Illinois and New York. A mortgage involves only two parties: the borrower and the lender. It creates a lien on the property, which is recorded in the public land records. With a mortgage, the borrower has full title to the property but may not transfer ownership until the debt is paid off and the lien is released. If the debt is not paid, the lender has the right to sell the property, usually through judicial foreclosure.

Deed of Trust: Many states, including California and Texas, use a deed of trust instead of a mortgage. The deed of trust is recorded in the public records to give notice that the property has a lien on it. A deed of trust involves three parties: the borrower, the lender and a third-party trustee, such as an attorney or title insurance company, who holds temporary title until the debt is paid and the deed of trust is cancelled. If the debt is not paid, the trustee may sell the property. The lender must give the trustee proof that the debt is delinquent and ask the trustee to foreclose. Foreclosure typically bypasses the court system.

What is an unsecured loan agreement?

A loan that is made to a borrower where no collateral is used for the loan is called an unsecured loan. This type of loan is riskier for the lender because if the borrower is unable to pay there isn’t as much of a guarantee (compared to a secured loan agreement) that they will be able to recoup the money lent to the borrower. The lender would have to go to court to demand payment if a default occurred.

What about interest only, adjustable rate, balloon, and other types of loans? Aren’t they more types of loans?

How do I set the interest rate for a mortgage loan?

For lenders:

  • Any interest you earn on a private loan is considered income by the IRS and as a result considered taxable. You may make a gift of that income, up to $14,000 each year, which is the Annual Gift Tax exclusion ($28,000 if made by a couple; $56,000 if made by a couple to a couple).
  • In the event of a default or an audit, you must prove that your transaction was legitimate and not a gift. In order to write-off a defaulted loan or mortgage as bad debt, you must show that you had documentation, that your loan was not a gift, and that you tried to collect on it. This means that you must keep accurate and detailed records of the specifics of the loan, including all payments, interest rates, and other relevant documentation. LendingKarma can help with creating your promissory note and recording your mortgage payments so that you have detailed interest and payment information.

For borrowers:

Need to speak to a professional about your loan?


Arizona Construction Loans – Financing AZ Custom Home Construction #personal #loan #interest #rates


#construction loan
#

Arizona Construction Loans

Looking for help getting started on your dream home? Are you an owner/builder looking for help with the Arizona construction process. We can answer all of your questions and get you into the best loans for your project.

Land and construction loans in Arizona are our specialty. Our first-hand experience with the AZ construction loan process means you get the best advice and best loan to suit your needs. If you are tired of dealing with banks that don’t understand their own loans or this is your first construction project, you need to contact us .

  • No money down
  • No payments during the construction process
  • Up to 100% construction financing, including your land
  • One closing. One set of closing costs with the option to refinance after project completion for FREE
  • Easy application process
  • Quick and efficient draw process
  • Simple builder review process

Copyright 2006-2015 AZConstructionLoans.com – All rights reserved

Mortgages offered by Gold Canyon Mortgage Company, an Equal Housing Lender. Licensed in Arizona BK#0908380 Home | Privacy


Arizona Construction Loans – Financing AZ Custom Home Construction #green #loans


#construction loan
#

Arizona Construction Loans

Looking for help getting started on your dream home? Are you an owner/builder looking for help with the Arizona construction process. We can answer all of your questions and get you into the best loans for your project.

Land and construction loans in Arizona are our specialty. Our first-hand experience with the AZ construction loan process means you get the best advice and best loan to suit your needs. If you are tired of dealing with banks that don’t understand their own loans or this is your first construction project, you need to contact us .

  • No money down
  • No payments during the construction process
  • Up to 100% construction financing, including your land
  • One closing. One set of closing costs with the option to refinance after project completion for FREE
  • Easy application process
  • Quick and efficient draw process
  • Simple builder review process

Copyright 2006-2015 AZConstructionLoans.com – All rights reserved

Mortgages offered by Gold Canyon Mortgage Company, an Equal Housing Lender. Licensed in Arizona BK#0908380 Home | Privacy


Loan Contract Forms, Custom Loan Agreements, and Loan Payment Tracking #advance #loans


#loan contract template
#

What is a security agreement?

A security agreement is a document that can be used to supplement a promissory note. Security agreements allow lenders to take property if a default occurs. You can execute a secured promissory note without a separate security agreement. LendingKarma secured loan documents contain language in the promissory note for collateral thus it’s not necessary to draw up a separate security agreement for use with our promissory note. However for added security you may also want to file a UCC form with your state. (See “What is a UCC form?” for more information).

What is a UCC form (Uniform Commercial Code)?

A UCC form, otherwise known as a financing statement, is a form that is filed with the appropriate recording agency that publicly declares the lender’s interest in the collateral specified in the promissory note and security agreement. Once a UCC form is completed and filed with the correct governmental authority, the lender’s interest in the property is considered “perfected.” This means that if future lenders also seek a security interest in the same asset, the lender with the perfected interest would have top priority and could take the property for themselves after a default.

Do you need to file a UCC form with the state if you make a personal loan with collateral?

It depends. In most cases, it’s enough to simply document the collateral (which you can do using LoanCreator ™) since the lender and borrower know and trust each other. In other cases, it may make sense to file a UCC form to give the lender more security in the case of default.

If you are thinking of filing a UCC form for your personal loan, here are some things you should know:

download a form or even file electronically, select your state:

What if I’m creating a real estate or mortgage loan?

Creating a loan that involves real estate (otherwise known as a mortgage) requires a bit more documentation than most other loan types. Below is an overview of some of the terms and at least some of what you’ll need to do to create a mortgage.

Mortgage Documents

A mortgage involves two important legal documents: a promissory note and either a mortgage document or deed of trust.

Promissory Note: The promissory note (also called a mortgage note or real estate note) is a note the buyer gives to the lender promising to repay the amount of the loan plus interest. The note also states the amount of time the buyer has to repay the loan and what action the lender may take if the buyer fails to make the required payments. The note should state the interest rate and specify whether it is fixed or variable. The note also may contain provisions such as a balloon payment.

It is important to note that the borrower’s typical monthly payment to the lender is not solely for principal and interest owed on the note. Monthly payments might also include escrow payments for property taxes and insurance.

Mortgage Document or Deed of Trust: The borrower gives the lender either a mortgage document or a deed of trust, depending on the state where the transaction takes place. Both a mortgage document and a deed of trust serve the same purposes of pledging the borrower’s title to the property as security for the loan and giving the lender a claim against the property in the event of default. A mortgage document and a deed of trust have a few key differences:

Mortgage Document: A mortgage document is used in most states, including Florida, Illinois and New York. A mortgage involves only two parties: the borrower and the lender. It creates a lien on the property, which is recorded in the public land records. With a mortgage, the borrower has full title to the property but may not transfer ownership until the debt is paid off and the lien is released. If the debt is not paid, the lender has the right to sell the property, usually through judicial foreclosure.

Deed of Trust: Many states, including California and Texas, use a deed of trust instead of a mortgage. The deed of trust is recorded in the public records to give notice that the property has a lien on it. A deed of trust involves three parties: the borrower, the lender and a third-party trustee, such as an attorney or title insurance company, who holds temporary title until the debt is paid and the deed of trust is cancelled. If the debt is not paid, the trustee may sell the property. The lender must give the trustee proof that the debt is delinquent and ask the trustee to foreclose. Foreclosure typically bypasses the court system.

What is an unsecured loan agreement?

A loan that is made to a borrower where no collateral is used for the loan is called an unsecured loan. This type of loan is riskier for the lender because if the borrower is unable to pay there isn’t as much of a guarantee (compared to a secured loan agreement) that they will be able to recoup the money lent to the borrower. The lender would have to go to court to demand payment if a default occurred.

What about interest only, adjustable rate, balloon, and other types of loans? Aren’t they more types of loans?

How do I set the interest rate for a mortgage loan?

For lenders:

  • Any interest you earn on a private loan is considered income by the IRS and as a result considered taxable. You may make a gift of that income, up to $14,000 each year, which is the Annual Gift Tax exclusion ($28,000 if made by a couple; $56,000 if made by a couple to a couple).
  • In the event of a default or an audit, you must prove that your transaction was legitimate and not a gift. In order to write-off a defaulted loan or mortgage as bad debt, you must show that you had documentation, that your loan was not a gift, and that you tried to collect on it. This means that you must keep accurate and detailed records of the specifics of the loan, including all payments, interest rates, and other relevant documentation. LendingKarma can help with creating your promissory note and recording your mortgage payments so that you have detailed interest and payment information.

For borrowers:

Need to speak to a professional about your loan?


Loan Contract Forms, Custom Loan Agreements, and Loan Payment Tracking


#loan contract template
#

What is a security agreement?

A security agreement is a document that can be used to supplement a promissory note. Security agreements allow lenders to take property if a default occurs. You can execute a secured promissory note without a separate security agreement. LendingKarma secured loan documents contain language in the promissory note for collateral thus it’s not necessary to draw up a separate security agreement for use with our promissory note. However for added security you may also want to file a UCC form with your state. (See “What is a UCC form?” for more information).

What is a UCC form (Uniform Commercial Code)?

A UCC form, otherwise known as a financing statement, is a form that is filed with the appropriate recording agency that publicly declares the lender’s interest in the collateral specified in the promissory note and security agreement. Once a UCC form is completed and filed with the correct governmental authority, the lender’s interest in the property is considered “perfected.” This means that if future lenders also seek a security interest in the same asset, the lender with the perfected interest would have top priority and could take the property for themselves after a default.

Do you need to file a UCC form with the state if you make a personal loan with collateral?

It depends. In most cases, it’s enough to simply document the collateral (which you can do using LoanCreator ™) since the lender and borrower know and trust each other. In other cases, it may make sense to file a UCC form to give the lender more security in the case of default.

If you are thinking of filing a UCC form for your personal loan, here are some things you should know:

download a form or even file electronically, select your state:

What if I’m creating a real estate or mortgage loan?

Creating a loan that involves real estate (otherwise known as a mortgage) requires a bit more documentation than most other loan types. Below is an overview of some of the terms and at least some of what you’ll need to do to create a mortgage.

Mortgage Documents

A mortgage involves two important legal documents: a promissory note and either a mortgage document or deed of trust.

Promissory Note: The promissory note (also called a mortgage note or real estate note) is a note the buyer gives to the lender promising to repay the amount of the loan plus interest. The note also states the amount of time the buyer has to repay the loan and what action the lender may take if the buyer fails to make the required payments. The note should state the interest rate and specify whether it is fixed or variable. The note also may contain provisions such as a balloon payment.

It is important to note that the borrower’s typical monthly payment to the lender is not solely for principal and interest owed on the note. Monthly payments might also include escrow payments for property taxes and insurance.

Mortgage Document or Deed of Trust: The borrower gives the lender either a mortgage document or a deed of trust, depending on the state where the transaction takes place. Both a mortgage document and a deed of trust serve the same purposes of pledging the borrower’s title to the property as security for the loan and giving the lender a claim against the property in the event of default. A mortgage document and a deed of trust have a few key differences:

Mortgage Document: A mortgage document is used in most states, including Florida, Illinois and New York. A mortgage involves only two parties: the borrower and the lender. It creates a lien on the property, which is recorded in the public land records. With a mortgage, the borrower has full title to the property but may not transfer ownership until the debt is paid off and the lien is released. If the debt is not paid, the lender has the right to sell the property, usually through judicial foreclosure.

Deed of Trust: Many states, including California and Texas, use a deed of trust instead of a mortgage. The deed of trust is recorded in the public records to give notice that the property has a lien on it. A deed of trust involves three parties: the borrower, the lender and a third-party trustee, such as an attorney or title insurance company, who holds temporary title until the debt is paid and the deed of trust is cancelled. If the debt is not paid, the trustee may sell the property. The lender must give the trustee proof that the debt is delinquent and ask the trustee to foreclose. Foreclosure typically bypasses the court system.

What is an unsecured loan agreement?

A loan that is made to a borrower where no collateral is used for the loan is called an unsecured loan. This type of loan is riskier for the lender because if the borrower is unable to pay there isn’t as much of a guarantee (compared to a secured loan agreement) that they will be able to recoup the money lent to the borrower. The lender would have to go to court to demand payment if a default occurred.

What about interest only, adjustable rate, balloon, and other types of loans? Aren’t they more types of loans?

How do I set the interest rate for a mortgage loan?

For lenders:

  • Any interest you earn on a private loan is considered income by the IRS and as a result considered taxable. You may make a gift of that income, up to $14,000 each year, which is the Annual Gift Tax exclusion ($28,000 if made by a couple; $56,000 if made by a couple to a couple).
  • In the event of a default or an audit, you must prove that your transaction was legitimate and not a gift. In order to write-off a defaulted loan or mortgage as bad debt, you must show that you had documentation, that your loan was not a gift, and that you tried to collect on it. This means that you must keep accurate and detailed records of the specifics of the loan, including all payments, interest rates, and other relevant documentation. LendingKarma can help with creating your promissory note and recording your mortgage payments so that you have detailed interest and payment information.

For borrowers:

Need to speak to a professional about your loan?