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Besides your credit score and the other five qualifications you must meet to finance a real estate mortgage loan, you need to gather papers and documents. Speed up your financing and make your life easier. Organize your papers into a three-ring binder or file system. You won�t need all of the documentation listed below. However, the more information you gather, the more likely you will be to get the best loan rates. Keep in mind that all of these documents may not be needed for all types of loans.

Documentation Required for Real Estate Mortgage Loan

Whether you want to buy your first home or many investment properties to build wealth, this checklist will help you save money on loan costs.

1. Proof of Income

Include copies of your last two pay stubs or other proof of employment and income verification. If you are receiving fixed income like trust income or social security, then include the beneficiary letter stating how much you get.

For self-employed, you will need to prove that you have been in the same line of work or business for two or more years.

If self-employed, show a copy of your business license for two or three years to show you have been in that business for at least two years. If you don�t have these, then show whatever you do have to evidence you have been in business for at least two years in the same line or business field. You may also ask a CPA to amend your income tax returns for the previous two years and then write a letter verifying that you�ve been self-employed for at least two years.

2. Tax returns

Provide tax returns for the last two years or at least the last two years of W2�s and/or 1099s if you don�t want to disclose tax returns.

If you�re self-employed, the mortgage company may require your personal and business tax returns for the previous two years and your company�s year-to-date Profit and Loss Statement. If you own a business, you may need a Financial Business Statement prepared by an accountant.

3. Bank account records

Gather your account numbers, address of your bank branch, along with checking and savings account statements for the previous two-to-twelve months. You only need the last two months� bank statements in most cases. Most lenders will only need twelve months bank statements when you are trying to get a "full doc" loan (with the best rates) instead of stated income for a self-employed individual. Talk to your loan officer about whether twelve months of bank statements will help you get a better rate.

Include all bank accounts, savings accounts, retirement accounts, and investment accounts. Include any account that you sign for, even if your spouse also signs on the account, and even if your spouse does not apply for the loan with you. Financial assets like these are considered important by lenders as a reserve, particularly now that property values are not rising as quickly.

4. Driver's license and social security card photocopies

5. Proof of housing payments

Whether you own or rent, you must document your housing payments. Credit reporting agencies list mortgage payments. Provide copies of your mortgage statements or a copy of your lease agreement with twelve months� of checks showing rent payments on time.

If you rent your home from a professional management firm, they can verify that you have paid rent on time. If you rent from a private party, most lenders (though not all) will require you to show canceled rent checks for twelve months.

6. Major assets (other real estate owned, automobiles, boats, antiques, stocks, etc.).

You don�t have to include individual stocks if you own shares in a mutual fund or hedge fund. Just provide the latest fund statement. Include vested cash value of whole-life or universal life insurance policy, if any. (Cash value is not the same as the face value. Cash value is what you would get from the insurance company right now, if you surrendered the policy while still alive.) If there are antiques or other collectibles, provide only the total collection value; you don�t have to itemize.

7. List of debts (car loans, furniture loans, student loans, and credit cards)

Even though the debts will be on the credit report, you must be aware of all of your debts so that you can tell if the credit report has mistakes. Include any debts that you have co-signed for, like when top enlargement products you co-sign for a child�s car.

8. Divorce settlement papers, if applicable, no matter how far back in time

9. Delinquent or inaccurate debts or credit report items

If you paid a collection, judgment or lien (especially a tax lien or other lien against your house), include proof of payment.

10. An irrevocable gift letter if you are receiving a monetary gift from a relative.

11. Purchase agreement (for new purchase).

Provide a copy signed by both parties, including all the signed disclosures.

12. Items needed for a refinance

Furnish copies of your note and deed of trust, home insurance declaration page, copy of your last property tax bill.

13. If you own investment real estate in your name, you need rental leases for each of your properties, plus the items listed in #12 for each of your properties.

14. Bankruptcy

Supply all pages and schedules for any bankruptcy filing within the last seven years, and the discharge sheet, for any type of bankruptcy (Ch 7, Ch 11 or Ch 13). Bankruptcy must be discharged before the date of the loan application.

Preparation Leads to Financial Freedom

Talk to your loan officer to see which documents you need to copy and send. Prepare your credit and your real estate mortgage loan penile enlargement documents so you can buy your dream home and even multiple investment properties.

Copyright � Jeanette J. Fisher

The internet has an endless number of benefits for craftspeople, not just as a medium for selling the end product but for each step that leads to sales. The fact that you are reading this shows that you already utilise the web for information but perhaps you have not yet considered some of the following points presented.

The ideas provided in this article have come from interviews with craftspeople, conducted for AussieCrafts.com, in the interest of sharing information with our peers. When boiled down to its bare essentials this is the true essence of the internet but it sometimes gets lost in all of the advertising and sales. The interviews spawned a host of ways in which the internet assists the crafters, both in their business and creatively, and provided much insight into untangling the web.

Inspiration
When asked about the sources they use for inspiration most craftspeople have said that the internet is a much used research tool. This is particularly useful with commission pieces, where a client gives a basic idea and there is a need to familiarise yourself with the subject. Browsing websites is also great for when you want to start a new piece but are not quite sure where to begin. No matter what craft you do if you are stuck for ideas on what to create there are always plenty of places to get some quick inspiration online. The obvious way to get ideas is to search for your craft in the search engines but some other methods are:

• Type your craft name into Google image search
• Yahoo groups on your craft often have galleries
• Online stores that sell your craft
• Craft directories
• Historical sites related to your craft, most crafts did after all come from very ancient beginnings.
• Try searching for crafts penile enlargement that are similar to yours, if you do pottery, for example, search for glasswork. The colours and shapes are likely to spark new ideas.

If it�s a more abstract inspiration that you need such as colour or texture then art, photography and nature sites are fantastic sources of ideas. Stock photography sites (such as www.dreamstime.com), for example, have thousands of images of almost everything imaginable. Let�s say you want to create a bead necklace that reflects the colour and movement of the ocean. If you browse the sea and ocean category of a stock photography site you can jot down ideas based on what you see as you view page after page of photographs that cover every aspect of the ocean.

Education: patterns and tutorials
There are very few crafters who believe they know everything there is about their craft. Who of us do not want to learn something new? The internet is the best source of tips, tricks, patterns and tutorials on every craft imaginable, so much so that many craftspeople no longer purchase books about their craft. Many sites offer this information for free, as a way to attract and keep surfers, much the same way as articles like this are utilised. Others charge a subscription or a cost per tutorial, often downloaded as an e-book or a pdf file. For many crafts there are also online classes or lessons via email, again some are free (and often include advertising) and others are subscription based.

To find these valuable resources consider using some of the following terms alongside your craft name: tutorial, pattern, learn to, ebook, lesson, techniques, instructions or projects. These keywords were tested using Google search and beading, for example �beading projects�, and the results were astonishing. If it a particular technique you are searching for then add that to your search query, for example �beading peyote technique�, where peyote is a type of beading stitch.

Purchasing tools and materials
The internet has brought about a convenient way to buy almost anything, from anywhere in the world, and to craftspeople this has been one the most important benefits of being online. Often there are supplies needed for craftwork that are not available locally and this can be the case no matter where you live. It may be because it is only manufactured in a small area of Europe or that there are few people working in the same craft as you and therefore there is little demand.

Apart from availability issues nothing is better than being able to browse many stores in a short space of time and not only get prices but also see things without having to leave home. Ebay is popular with many craftspeople due to the range of goods and their prices, you can find both new and secondhand tools and materials there. Shopping online means more time for doing what you enjoy or what brings in your income. The world is becoming smaller and shipping costs and delivery times are too.

Often the websites that sell crafts materials also have a top enlargement products range of useful resources such as guides to using their products. They also have convenient contact information, like email, and as they are often craftspeople themselves can give advice on craft specific problems.

Publicity and exhibition requests
Many of the sources that are traditionally used for publicity such as magazines, newspapers and event organizers are now using the internet as a way to find craftspeople. Not only is the internet often a faster way to find what they need but it is also a visual medium. Therefore having a website for your craft business is not just about gaining sales and commissions but it also provides a way for the media and galleries to see your work.

One example of this is an artist interviewed on Aussie Crafts who has in the last few months been contacted by a lifestyle magazine to do an article on her work, as well as another contact to request her involvement in an exhibition. Both of these publicity avenues have stemmed from her website, which contain galleries of her work.

This same artist is also a member of an organisation supporting her medium, which has a website that lists galleries showing members� works at any given time. There are organisations such as this for many crafts, both global and local, that are worth having a membership with.

Sales and commissions
The most obvious way that craftspeople are using the internet is to sell their products to a wider market than previously possible, what is not so obvious is that there are many ways to do this. One artist interviewed extolled the virtues of the internet as, "It's been huge for us. We sell artwork and DIY kits all over the world and so put virtually all our marketing energy into our website. We get well over five thousand visitors every month at basically no cost and the whole world has become our target market."

Some of the reasons people decided to sell their crafts online include not having to deal with galleries, no commissions to pay, less overheads than a store and the fact that there is more time crafting and less selling.

Apart from setting up an often expensive e-commerce website there are other means to gaining online sales:

• A 'brochure' style site, which displays the products you make but does not sell them online. Instead it can be used to promote a market stall, shop front, commission enquiries etc.
• Many craftspeople are selling their work in auctions at Ebay; this can be a lucrative option for the right products.
• Online craft malls are a way to have an online presence without the hassle and overheads of building an e-commerce site. Search for craft malls in the search engines and you will find such sites as craftmall.com, aokcorral.com and lilysplace.com. These sites generally use Paypal as a payment option to take the headaches out of online payments and are similar to Ebay without being auction based.

Human contact
One of the common problems that people who craft for an income mention is loneliness. Oftentimes they work at home alone and this can be very isolating. The internet can provide avenues to have contact with others who craft. They could be in the same locality as you and allow for face-to-face meeting or they may be on the other side of the world.

There are many group and organisations for most craft genres, such as Yahoo groups or MSN chats. Often if it is a location-based group there are classes and retreats organised for people to come together and learn. These groups can become invaluable for technical advice, feedback and learning but also that human contact that is a necessary part of life.

Client contact
Email is a fantastic way to keep in touch with clients and industry contacts. It is so much cheaper than a phone call (i.e. free) and is much less time consuming. Email provides a simple means to show clients� examples or progress on a work via photograph attachments. It also provides a record of all communication.

Online messaging systems, available for free from MSN and Yahoo, are also useful ways to keep in contact with customers. These can even be used to give online support by providing your identification name on your website. However these systems can become a time waster instead of saver if you are not careful.

For decades, the real estate world turned in a predictable manner. The roles of buyers, sellers and real estate professionals were fairly well defined and transactions followed a predictable path of yard signs, newspaper ads, open houses and miles of paperwork.

Recently, online and empowered consumers have changed the game. Real estate professionals now face issues similar to the ones that have transformed the retail, personal finance and travel planning industries. As technology advances and new business models evolve, the real estate industry has begun to transform itself from providing traditional, carefully controlled �agent-centric� transactions to new �consumer-centric� practices. The following is a look at some of the recent industry trends and how buyers, sellers and investors can expect to benefit. The �Five Ds� that are driving change in real estate are:

1. Disruption � Over the past 10 years, the Internet has matured into a powerful platform for delivering real estate information, forever changing the interaction between buyers, sellers and real estate professionals.

2. Displacement � The popularity and acceptance of self-service and consumer-direct business models is being felt review of penis enlargement products by real estate professionals, who are striving to develop attractive new offerings for Web-savvy consumers.

3. Demanding consumers � You now have more real estate knowledge, tools and resources at your fingertips than ever before. More savvy consumers tend to be more independent and demanding.

4. Downward pressure - Traditional real estate commissions of 5-6 percent of a property�s sales price are facing downward pressure.

5. Developing alternatives � The real estate industry is transforming itself to provide targeted services and exciting new options that add value for consumers. Disruption

�We are going to see our industry go through dramatic transformation via the Internet and consolidation of agents and companies.� � eRealty Times Columnist Dirk Zeller

Some industry observers have adopted Harvard Business School professor Clayton Christensen�s term �disruptive technology� to explain recent developments in real estate. Though it�s easy to point to the World Wide Web and advancing technology as the main changes in real estate, that�s only part of what�s shaking things up. Essentially, the real cause of disruption is not just technology, but technology-enabled real estate consumers.

Web-enabled consumers

According to the National Association of Realtors (NAR), more than 72 percent of homebuyers now begin their home search online. The popularity of online real estate ads surpassed newspaper property listings back in 2001, and the gap is widening. Less than one percent of buyers first learned about the home they purchased on the Internet in 1995, while in 2004, that number passed 20 percent.

According to a California Association of Realtors (CAR) survey, 97 percent of respondents said the Web helped them understand the buying process better and 100 percent said using the Web helped them understand home values better. Web-enabled homebuyers like you are taking a more active role in researching homes and neighborhoods. You also now spend less time with real estate professionals once you have completed your research. Internet homebuyers also used the Web effectively to filter out properties that did not interest them, visiting 6.1 homes on average versus 15.4 for traditional buyers.

Today, you can view photos and detailed information for hundreds of properties in the time it used to take to visit a single one. And the Web provides much more opportunity than simply moving print listings online. The growing availability of residential high-speed Internet connections has boosted the popularity of virtual tours and interactive maps, providing consumers with powerful and flexible visual search tools.

In addition to making home searches easier, automated valuation model (AVM) software is making a big impact in how properties are evaluated. AVMs, which generate valuation estimates by analyzing and comparing property information data, are becoming increasingly sophisticated and accurate. While not considered a substitute for human appraisals, AVMs are gaining popularity because they are inexpensive, easy to use and produce valuation estimates in minutes. Now AVMs, used extensively in electronic mortgage approval processing during the recent refinancing boom, are becoming available on real-estate Websites aimed at consumers. This is a significant development for independent sellers, who often find it challenging to price their properties correctly when selling on their own.

The MLS goes public

�In real estate, MLS data sits at the apex of the change, specifically the MLS information that is pushed to the Internet every minute of the day.� � Bradley Inman, Publisher of Inman News

Once an exclusive tool for real estate professionals, the multiple listing service (MLS) has in recent years become a very public platform for real estate listings. The MLS is the nation�s most comprehensive database of properties for sale � four out of five homes sold in the United States are listed on the MLS. MLS properties are available to agents and brokers worldwide, and are now accessible via consumer Web sites such as Realtor.com, WSJ.com, Excite, Netscape, AOL and MSN. MLS listings also appear on local, regional and national brokerage Websites through Internet Data Exchange (IDX) agreements that allow participating Realtors to share listings and display them to consumers. Even though only licensed realtors can list property on the MLS, the system has begun to figure prominently for the $110 billion independent seller (for-sale-by-owner or FSBO) market. About 13 percent of real estate sales are now FSBO, conducted without a broker�s assistance.

Type �flat fee MLS� into any major search engine, and you�ll see dozens of real estate professionals willing to list your property in the MLS for a fee. If you are willing to pay a commission of 2-3 percent, you can attract the attention of thousands of agents who will show your property to prospective buyers. You can then reduce the cost of the sale to about half a traditional 5-6 percent sales commission, plus the cost of the MLS listing. If you find an independent buyer working without an agent, you could make a sale with no commission at all and pay only an MLS listing flat fee. Displacement

Currently, about 2.4 million real estate licensees operate nationally, according to the Association of Real Estate License Law officials. The NAR has more than one million members, up from about 760,000 members five years ago. Many real estate professionals and industry observers expect a significant decline in this number because some tasks traditionally performed by agents and brokers can now be done more quickly and easily by Web-enabled consumers.

�Historically the fundamental driver of the real estate industry was the control of information. The real estate agent and the real estate office were the only sources of comprehensive information on which properties were for sale and those who might be interested in buying them. With this control revenues were practically guaranteed.

Moreover, because this exclusive control was akin to a monopoly by virtue of the multiple listing service (MLS) any firm of any size could serve the customer equally well. As a result, the number of real estate companies grew without regard to market penis enlargement products efficiencies.

Simply put, the traditional model is too inflexible. Consumers are seriously questioning the value of a real estate agent. They frequently feel that many of the traditional tasks undertaken by the agents are now either no longer required or can be done by the consumer themselves.�

� Swanepoel & Tuccillo, Real Estate Confronts Profitability

The quotes above, from a popular report on emerging real estate business models and dwindling profit margins, highlight a number of issues traditional real estate professionals are now facing. And if the real estate industry has grown historically without regard to market efficiencies, the issue has only been compounded since 2001, as new agents signed on in droves, lured by low interest rates and skyrocketing home prices in many areas. It�s likely that the number of traditional real estate agents will decline, while new types of real estate jobs will be created to deliver value to Web-savvy customers.

NEXT in Part 2 of 2: - Demanding Consumers, Downward Pressure and Developing Alternatives

In years past, a serious physical disability meant unemployment, isolation, and inactivity for many thousands of people.

No longer. While the Americans with Disabilities Act has opened up the workplace and public facilities to people with disabilities, many organizations around the country have sprung up, offering access to sports programs both for wheelchair-bound individuals and amputees with artificial prosthetic devices. Disabled people are experiencing the joy of participating in Alpine and cross-country skiing, all kinds of water sports from swimming to sailing to scuba diving, and even more extreme sports such as mountain climbing and sky diving.

The importance of both competitive and recreational sports for individuals with disabilities can't be overestimated. Particularly for formerly able-bodied people who find themselves disabled, sports can serve as a tremendous motivation in the rehabilitation process and can help alleviate the depression, confusion, and loss of self-esteem that often accompanies a debilitating injury. For those born with a serious disability, sports can serve as an important way of connecting to the "abled" world.

Competitive sports for the disabled are experiencing phenomenal success. The world-wide organization now known as the Paralympic Games was founded in Rome, Italy, in 1960, inspired by a 1948 competition organized in England for disabled World War II veterans. According to the Paralympic Games website, participating athletes compete in a variety of sports based on one of six disability-based classifications: amputee, cerebral palsy, spinal cord injuries, visual impairment, intellectual disability, and a general group including individual disabilities which do not fit into one of the other five categories.

Both summer and winter sports competitions give disabled athletes the change to compete in a variety of sports; the list of summer sports includes 21 different competitive sports, ranging from archery and cycling to equestrian, powerlifting and judo. Five competitions designed specifically for wheelchair-bound penis enlargement with vigrx plus athletes include basketball, dancing, fencing, rugby, and tennis. The list of winter sports is smaller, but no less challenging: athletes can compete in either Alpine or Nordic skiing, ice sledge hockey, and wheelchair curling.

Children with physical disabilities have special challenges; they're dealing with sometimes substantial limitations at the same time that they are meeting all the other demands of becoming competent, balanced, emotionally and mentally healthy human beings. The National Sports Center for the Disabled (NSCD) offers opportunities for children to take part in a wide range of sports activities, from skiing, ski racing, snowboarding and snowshoeing in the winter to rafting, horseback riding, and in-line skating in the summer.

The Paralympics and NSCD are only two of many organizations founded to involve disabled individuals in sports. It's evident, from the success and increasing popularity of these organizations, that both adults and children with disabilities benefit greatly from participating in adaptive sports activities, and that the benefit extends to all aspects of their lives.

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