HELP!? Can anyone back beside naming a top producer awards?
function for a real estate firm? They do mostly luxury home sale and this is an award for just inside the company. Any ideas instead of "top producer" "platinum", "diamond" award? Help??Answers: How give or take a few the Elite Performance Award?
OK, this teeters on cheesy, but how roughly "Realty Royalty?"
Top Shelf Realtor?
Five Star?
Super Producer?
Something with prestige...
Hopefully that help you get the creative juice flowing.
Can a potential tenant ask for export tax return?
Can a landlord ask to see end year's tax return earlier renting an apt? Is it okay even after one has submitted application, work, familial and personal references, paystubs, proof of employment, credit/background check, and dune account statements?Answers: If you prove your twelve-monthly income via pay stubs and a give the name to your company there is no source to see the return. The income is their business, but not your deductions.
As a manager, that fall into the catagory of "too much information".
I would ask the innkeeper what the problem is, and if he or she cannot explain it sufficiently, then verbs to another property.
What does "buy-down amount" refer to when dealing with a mortgage? Is it a good thing?
Answers: The buy down amount is the amount of money you are willing to pay upfront as a portion of your closing costs in order to secure a lower interest rate. In essence, you are paying a fee (typically called "points" or more commonly referred to as discount points) in order to have a lower interest rate. There are two types of buydowns generally offered by mortgage lenders. The first is called a temporary buydown. Usually these are in the form of a 2-1 buydown. What that means is this.if your interest rate is 6% and you opt to do a 2-1 buydown, you would only pay 4% interest for the first year, then it would be 5% interest in year two and then 6% interest from year 3 on. In order to get this lower rate though, you have to pay 3 points (or 3% of the loan amount) up front as a part of your closing costs.
The second type of buydown is called a permanent buydown. In this case, you would pay points upfront in order to lower your interest rate and the interest rate will remain the same for the entire term of the mortgage. For example, if you are quoted a rate of 6% but you pay a point to get a lower rate (which would be 1% of the loan amount), then you would get a lower rate, probably around 5.5% for the entire term of the loan. As you can see, in the permanent buydown situation, the amount of points you pay is not equivalent to the reduction in interest rate but in this case the interest rate will always be the lower rate and will never increase like it will in the 2-1 buydown scenario.
As to whether this is a good idea or not, it really depends on several factors but the main question to ask yourself is how long do you plan to be in this home? If you are only planning to be in this home for 2 or 3 years, a permanent buydown would not be very logical but a 2-1 buydown might make sense. If you plan to live there for 10 or more years, it would probably make more sense to take a permanent buydown. It also depends on how much money you have to contribute to closing costs. If you have the extra money, then a buydown may be a good idea.
A buydown, is a mortgage loan with a below-market rate for a period of time, usually one to three years. A borrower may want to "buy down" mortgage rates because they expect their earnings to go up but want a lower payment right now.
In a mortgage buydown, buyers are essentially paying cash up-front for points, and receiving a reduced interest rate in return. Each point equals one percent of your total loan amount. For example, 2 points on a $ 200,000 loan will cost $ 4,000, or 2% of the loan amount. The more mortgage points you pay, the lower the interest rate will be.
Is a buydown mortgage the right option for your financial goals? Sometimes having extra cash in your pocket is better than paying for a lower rate. But if you plan on being in the home for a long time with no plans for moving or refinancing, buying down your mortgage rate may be right for you.