How and Why Property site

Is it at all common to send a gift to a Mortgage Broker?

Just closed a refi where I got a really good rate and found my mortgage broker to be very helpful and accommodating when it came to fees. Now that it closed, I was considering sending a Thank You gift. Is this something that is common or very uncommon?

Who cares what we think? If you are appreciative and feel compelled to send a gift, go ahead.

What downside are you concerned about?

How do Mortgage Interest rates work?

Calculated Industries 3415 Qualifier Plus IIIX Real Estate Finance Calculator $47.89 Let the Qualifier Plus IIIx put answers to all your financing problems at your fingertips! Gain instant access to PITI and Interest-Only Payments or figure out the Blended Rate and Payment for Combo Loans. Carry it with you on appointments with clients, a…

Calculated Industries 3430 Qualifier Plus IIIFX Real Estate Finance Calculator $48.50 Advanced residential real estate finance calculator with cash flow and complete buyer qualifying.The Qualifier Plus IIIFX is the ideal tool for real estate investors agents and mortgage lenders. In addition to both common and advanced real estate finance problems it calculates multiple cash flows and internal rate of return (IRR) as well as net present and net future values (NPV/NFV). Provide f…

Mortgages For Dummies, 3rd Edition $9.12 For many of us, the single biggest financial transaction is buying a house. Even more significant than the hefty down payment we fork over is the 15- to 30-year mortgage that needs feeding every month. If you have this much at stake, a little knowledge can go a long way, which is where Eric Tyson and Ray Brown come in. In Mortgages for Dummies, Tyson and Brown (who also wrote Home Buying fo…

The Loan Officer’s Practical Guide to Residential Finance – SAFE Act Version $46.75 This is the Updated 2012 Edition of the first book in the Practical Guide series for the mortgage industry. This version has been updated to meet the requirements of the SAFE Act, include many of the regulatory, business, and guideline changes that regularly occur. We have also made many of the changes recommended by Amazon readers and reviewers. With all of the changes in the industry, keeping th…

The Mortgage Encyclopedia: The Authoritative Guide to Mortgage Programs, Practices, Prices and Pitfalls, Second Edition $4.53 The bestselling one-stop guide to mortgages—updated for the post–housing crisis market! The Mortgage Encyclopedia demystifies all the various mortgage terms, features, and options by offering clear, precise explanations. Fully updated to address the new realities introduced by the housing crisis of 2007, The Mortgage Encyclopedia provides not just a complete description, but also in-depth disc…

Rodeway Inn and Suites The Broker $60 Located in Boulder, Rodeway Inn and Suites The Broker is in the suburbs and close to University of Colorado Boulder, Folsom Field, and Chautauqua Park. Nearby points of interest also include National Center for Atmospheric Research and Naropa University. Hotel Features. Rodeway Inn and Suites The Broker features a restaurant and a bar/lounge. Room service is available during limited hours. A complimentary continental breakfast is served on weekdays. Recreational amenities include a spa tub. This hotel offers audio visual equipment and business services. Complimentary wireless Internet access is available in public areas. This Boulder property has event space consisting of banquet facilities, conference/meeting rooms, and a ballroom. The property offers a roundtrip airport shuttle (surcharge). Wedding services and tour assistance are available. Guest parking is complimentary. Additional property amenities include ATM/banking services. Guestrooms. 118 guestrooms at Rodeway Inn and Suites The Broker feature coffee/tea makers and complimentary newspapers. Wireless Internet access is complimentary. In addition to desks, guestrooms offer free local calls (restrictions may apply). Televisions have premium cable channels. Also included are hair dryers and irons/ironing boards. Guests may request refrigerators and wake up calls.

Smead Pressboard Mortgage Folder $29.99 10% 11 pt. 11 pt. Folder 12 / Box 78278 9″ Height x 14.38″ Width Organize all the paperwork using eight manila dividers with preprinted tabs (see below). Front divider has preprinted form for mortgage applicant’s basic information and an inventory checklist to keep track of documents added to the folder. Includes a manila jacket for smaller papers, certificates or photos that cannot be punched and a fastener compressor for tightly binding contents. Flat metal tab in top tab or end tab position has a replaceable insert, and printed tab dividers and jackets can be ordered separately for re-use of folder. Certificate Divider Document Kraft Manila Mortgage Folder Photo Preprinted Pressboard Mortgage Folder Punched SFI Smead Smead Manufacturing Company Tab Divider Yes www.smead.com

Smead Mortgage Folder $41.99 1″ 1/2 1/2 Cut 10 / Box 25 pt. 25 pt. Folder 30% 60% 78208 8 8 x Manila 8.50″ x 14″ Pressboard folders with 1/2″ high metal tabs and preprinted dividers simplify mortgage paperwork. Organize paperwork using eight manila dividers with preprinted tabs. Tab headings include Insurance, Tax and Assessment Receipts, Mortgage, Title Papers, Attorney’s Opinion, Appraisal, Credit Reports and Application. Front divider has a preprinted form for mortgage applicant’s basic information and an inventory checklist to keep track of documents added to the folder. Each folder includes a manila jacket for smaller papers, certificates or photos that cannot be hole-punched and a fastener compressor for tightly binding contents. Flat metal tab in top tab position has a replaceable insert. Printed tab dividers and jackets are sold separately so you can reuse the folder. Each folder is made of 25 point Pressboard stock. Offers 1″ expansion, matching-color Tyvek tape and 2″ prong K-style fastener. Contains 60 percent recycled material with 30 percent post-consumer material. SFI Certified. Certificate Document Gray Green Legal Metal Tab Mortgage Folder No Photo Preprinted Pressboard Prong SFI Smead Smead Manufacturing Company Yes www.smead.com

HP 12C Financial Calculator $72.99 1 Line x 10 Character – LCD 1 Year Limited 1 x CR2032 120 12C 12C Financial Calculator 20 5″ x 3.10″ x 0.50″ 6.40 oz 12C Financial Calculator CR2032 Batteries User manual Pouch Loan Mortgage payments Converts interest rates Figures bond prices Yields Depreciation Percent change Cumulative statistical analysis Standard deviation Mean Weighted mean Linear regression Forecasting Correlation coefficient Date arithmetic Undo Financial calculator includes more than 120 built-in functions and allows 20 different cash flows for internal rate of return and net present values. Calculate loan and mortgage payments, convert interest rates, and figure bond prices and yields. RPN keystrokes optimize data entry and calculation performance. Program up to 99 keystrokes into memory and then execute with the push of a single button. Other functions include depreciation, percent change, cumulative statistical analysis, standard deviation, mean, weighted mean, linear regression, forecasting, correlation coefficient, date arithmetic, undo, backspace keys, and power off memory protection. Calculator has a 1 line x 10 character, liquid crystal display (LCD). The enclosure material is made of plastic and brush aluminum, and the key tops are made of plastic. Calculator includes a battery (CR2032) to power the unit and a synthetic leather pouch. Aluminum Auto Power OFF Battery Business/Financial Calculator HP Hewlett-Packard Keystroke Programming Plastic Power OFF Memory Protection www.hp.com

HP 2CPT Financial Calculator $95.99 1 Line x 10 Character – LCD 1 Year Limited 1 x CR2032 130 15.52 oz 20 2CPT 2CPT Financial Calculator 5.10″ x 3.10″ x 0.60″ 2CPT Financial Calculator 1 x CR2032 Battery Mean Function Undo Function Loan Calculation Function Finance Function Algebraic Function Standard Deviation Function Statistic Entry Modes Function Programming Function Forecasting Function Date Arithmetic Function Reverse Polish Notation Function Interest Rates Conversion Function Depreciation Function Percent Change Function Weighted Mean Function Linear Regression Function Correlation Coefficient Function Mortgage Payment Calculation Function Cumulative Statistical Analysis Function Platinum financial calculator with 20 registers features more than 130 built-in functions and allows 30 different cash flows for internal rate of return and net present values. Calculate loan and mortgage payments, convert interest rates, and figure bond prices and yields. Through keystroke programming, enter up to 400 keystrokes into memory and then execute with the push of a single button. Functions include RPN, algebraic, programming, finance and statistic entry modes. Other functions include depreciation, percent change, cumulative statistical analysis, standard deviation, mean, weighted mean, linear regression, forecasting, correlation coefficient, date arithmetic, undo, backspace keys, and power off memory protection. Calculator has a 1 line x 10 character, liquid crystal display (LCD). The enclosure material is made of plastic and brush aluminum, and the key tops are made of plastic. Calculator runs on one CR2032 (included). Aluminum Auto Power OFF Battery Business/Financial Calculator HP Hewlett-Packard Plastic Platinum Power OFF Memory Protection www.hp.com

Smead 78280 Fastener Folder $70.99 0.75″ 1/8 1/8 Cut on Assorted Position 10% 11 pt. 11 pt. Folder – 7 pt. Divider 2 x 2″ Capacity – Prong “K” Style 25 / Box 78280 78280 Mortgage Index Divider Set 8 8.50″ x 14″ Mylar fused tabs Tab Heading: 1st Application (Blue), 2nd-Credit Report (Yellow)3rd-Income/Assets (Orange) 4th-Appraisal (Green) 5th-Disclosures (Red)6th-Title/Insurance (Brown) 7th-Closing Documents (Pink) 8th-Miscellaneous (Clear) ANSI/BIFMA Organize all your mortgage paperwork quickly and easily using this mortgage folder. Front panel has preprinted form for mortgage applicant’s basic information and an inventory checklist to keep track of documents added to the folder. Factory-installed fasteners hold papers securely inside folders and prevent valuable papers from falling out or getting lost. Fasteners let you subdivide documents within the folder while keeping the most recent papers on top. Assorted Position Fastener Fastener Folder Legal Manila Manila Cover Reinforced Tab SFI Smead Smead Manufacturing Company US Yes www.smead.com

Doublewall 3 Wood $149.95 Along with the driver workability in the fairway wood is what we have been striving for throughout the product design on the Doublewall 3 wood. A compact low profile head design giving you the cutting edge on those ever important long shots out of any type of lie on the course. In addition the woods can be used to hit long but controlled tee shots resulting in better scores. The wood features a heal to toe groove pattern allowing players to increase spin rates and avoid those knuckle ball shots that tend to go off target. The technology of the Doublewall face allows you to hit shots at all trajectories work the ball both ways and have confidence off the tee box and fairway. The fairway wood is also available in 3 different lofts letting you choose which loft is best for you. A 15* loft is recommended for most players. All other lofts are available but are suited for better players based on skill level and what loft is a better fit for them. Click the links to discover how our exclusive Doublewall technology creates the biggest sweet spot in golf. This club is available in custom lengths and flexes. Click for more info.

Nuby Silicone Teething Nipples – 2pk $2.95 Features: 3 Flow – Adjustable for slow, medium, and fast flow rates Teething nubs massage and stimulate gums Anti-Colic Air System prevents ingestion of air by baby

Smead 78210 Fastener Folder $39.99 0.75″ 10% 11 pt. 11 pt. Folder – 7 pt. Divider 2 x 2″ Capacity – Prong “K” Style 2/5 2/5 Cut on Right of Center 50 / Box 78210 8.50″ x 14″ 9.94″ Height x 14.63″ Width Mortgage fastener folders offer a front panel with a preprinted form for mortgage applicant’s basic information and an inventory checklist to keep track of documents added to the folder. Factory-installed fasteners hold papers securely inside folders and prevent valuable papers from falling out or getting lost. Fasteners let you subdivide documents within the folder while keeping the most recent papers on top. Dividers are made of 7 point manila stock and are two-hole punched with reinforced holes. Tabs on dividers are 1/8 cut and Mylar-fused. Each folder features a 2/5-cut tab. Reinforced tab is 1/2″ high. Two 2″ prong K-style fasteners are in positions 1 and 3. Folders are scored for 3/4″ expansion. Fastener Fastener Folder Legal Manila Mortgage Fastener Folder No Reinforced Tab Right of Center SFI Smead Smead Manufacturing Company US Yes www.smead.com

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Wholistic Pet Organics – Sea Blend Organic Kelp (For All Animals) $24.99 Overstocked – Temporary Price Reduction! Provides energy and endurance, relieve nervous tension, and promotes circulation (particularly to the brain) where it can contribute to better nourishment and to mental clarity. This certified organic, pure sea vegetation has also been used to aid poor digestion, flatulence and constipation, help increase appetite, and to help regulate heat cycles and improve conception rates. For dogs, cats, birds, horses. 16 oz (454g).

BornFree Nipples – 2pk – Level-Three $5.95 The BornFree nipples are extremely soft and gentle for your baby to suckle and are available in 5 flow rates to suit babies from 0-18 months. Due to the unique BornFree valve, the nipples prevent the hard suckling needed with conventional bottles. Includes 2 nipples per pack.

BornFree Nipples – 2pk – Y-Cut / Cereal $5.95 The BornFree nipples are extremely soft and gentle for your baby to suckle and are available in 5 flow rates to suit babies from 0-18 months. Due to the unique BornFree valve, the nipples prevent the hard suckling needed with conventional bottles. Includes 2 nipples per pack.

BornFree Nipples – 2pk – Variable Flow $5.95 The BornFree nipples are extremely soft and gentle for your baby to suckle and are available in 5 flow rates to suit babies from 0-18 months. Due to the unique BornFree valve, the nipples prevent the hard suckling needed with conventional bottles. Includes 2 nipples per pack.

BornFree Nipples – 2pk – Level-One $5.95 The BornFree nipples are extremely soft and gentle for your baby to suckle and are available in 5 flow rates to suit babies from 0-18 months. Due to the unique BornFree valve, the nipples prevent the hard suckling needed with conventional bottles. Includes 2 nipples per pack.

BornFree Nipples – 2pk – Level-Two $5.95 The BornFree nipples are extremely soft and gentle for your baby to suckle and are available in 5 flow rates to suit babies from 0-18 months. Due to the unique BornFree valve, the nipples prevent the hard suckling needed with conventional bottles. Includes 2 nipples per pack.

DSU III AR T1/Fractional T1 CSU/DSU $483.94 DSU III AR T1/Fractional T1 CSU/DSU The ADTRAN DSU III AR is a technologically advanced, high performance data service unit/channel service unit (DSU/CSU). This unit provides a reliable interface between the digital data service (DDS) or 4-wire Switched 56 (SW56) network and the customer’s data terminal equipment (DTE). The unit is an all-rate DSU/CSU supporting synchronous and asynchronous data rates on the primary channel and asynchronous data rates on the secondary channel. The synchronous primary channel rates supported are 2.4, 4.8, 9.6, 19.2, 38.4, 56, and 64 Kbps. Asynchronous data rates supported are 2.4, 4.8, 9.6, 19.2, 38.4 and 57.6 Kbps. Secondary channel data rates of 75, 150, 300, 600, 1200, and 2400 bps are offered depending upon the primary channel rate. Main FeaturesManufacturer: AdtranManufacturer Part Number: 1202011L1Manufacturer Website Address: www.adtran.comProduct Type: T1/Fractional T1 CSU/DSUPorts: EIA-232 , Serial V.35 Data Transfer Rate: 2.4Kbps to 64Kbps DTESynchronous , 2.4Kbps to 57.6Kbps DTEAsynchronous , 2.4Kbps to 64Kbps Network, 56Kbps 4-wire Dimensions: 2.25″ Height x 8.75″ Width x 10.25″ DepthWeight: 3 lb Standard Warranty: 5 Year(s) Limited – North American

BELEN PLAZA HOTEL MEDELLIN $71 BELEN PLAZA IS A STANDARD CLASS HOTEL WITH 54 ROOMS AND SUITES DECORATED IN A MODERN STYLE CITY CENTRE LOCATION HOTEL VALUE RATES THE WHOLE YEAR CABLE TELEVISION FREE WIFI ACCESS DAILY MAID SERVICE

Axis 1 Megapixel Indoor Dome Security Camera $899.99 The Axis P3344 fixed dome network camera delivers clear video images in daylight and dark nighttime conditions. The camera is easy to install and features remote focus and zoom so users can adjust focus and viewing angle at their own convenience rather than at the camera position.With 1 Megapixel resolution, this dome camera delivers high-quality HDTV video footage for detailed monitoring. The camera's wide dynamic range and day/night functionality make it suitable for continuous around-the-clock surveillance in challenging lighting conditions.To optimize network bandwidth and storage, the camera offers multiple H.264 streams, as well as Motion JPEG streams, simultaneously with adjustable frame rates. This allows users to individually optimize video streams based and quality needs and bandwidth constraints.The Axis P3344 network camera features a tamper-resistant casing and is specifically designed for indoor applications requiring discreet surveillance. Its compact design and sturdy casing makes the camera well-suited for use in a variety of locations, including retail stores, banks, and airports.

Steren HDMI Cable $6.99 1 x HDMI 36″ 516-803BK A/V Cable Copper HDMI HDMI Cable Steren Steren Electronics, LLC Supports video resolutions 1920 x 1080 and data rates up to 5Gbps www.steren.com