Download or read book Buyers and Borrowers written by Charles D Emery and published by Routledge. This book was released on 2018-10-24 with total page 210 pages. Available in PDF, EPUB and Kindle. Book excerpt: Learn a practical new approach to some long-standing and significant problems that librarians are continually called upon to address, such as: Is the library reaching its target audience? What do shifts in use patterns reflect? How often can users be expected to visit the library on the average? Can users be identified by category by the way they use the library? Author Charles D. Emery takes a close look at some methods which can be used to answer these questions accurately. Using the analogy of repeat buying, which has been shown to follow consistent and regular patterns across a wide range of consumers, brands, products, time periods, and other conditions, Mr. Emery applies the same concepts of research to the investigation and analysis of library use. There are remarkable similarities between library borrowing and consumer purchasing patterns. Thus, not only does the consumer purchasing model provide us with a means of investigating and predicting library user behavior, but it furnishes an appropriate mechanism for the more sophisticated analysis of that behavior through the application of marketing concepts such as product mix and brand switching. By drawing the comparison between library borrowing and consumer purchasing, Mr. Emery has identified what library administrators have hitherto lacked: a readily accessible corpus of theory and practical example upon which to base a coherent and cumulative body of research into the behavior of library users. The results will be useful as input to planning and distribution of resources in matters of budgets, services hours, personnel, and programming.
Download or read book Books written by Marguerite Turnbull and published by . This book was released on 1966 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Books written by Alison Leach and published by . This book was released on 1977 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book What Lenders Don t Want You to Know written by Kevin M. Melody and published by . This book was released on 2001-06-17 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: If you seek information that will help save you money on a mortgage transaction, you've found it Kevin Melody spells out trade secrets of the mortgage industry from an insider's perspective, with frank honesty and in plain English. He shows how most borrowers shop for mortgages like they shop for cars: they find the product they want, at a price they believe is fair, then they strike a deal. Unfortunately, unlike a car purchase, a mortgage transaction will not close on the day the "deal" is made. Therefore, unless the borrower is sophisticated enough to know how to make it stick, he really has no deal at all. He has committed himself to the lender, but the commitment may not be mutual. In fact, the rates, costs, even the product itself may change later; at a time when the borrower has, not only an emotional stake in proceeding with the transaction, but also a financial one; and is therefore unlikely to cancel. Whether you're a first-time buyer, or a property owner with many mortgage transactions under his belt, you will save time, money, and frustration by reading this book.
Download or read book What Lenders Don t Want You to Know written by Kevin Michael Melody and published by . This book was released on 2001-06-17 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: If you seek information that will help save you money on a mortgage transaction, you've found it! Kevin Melody spells out trade secrets of the mortgage industry from an insider's perspective, with frank honesty and in plain English. He shows how most borrowers shop for mortgages like they shop for cars: they find the product they want, at a price they believe is fair, then they strike a deal. Unfortunately, unlike a car purchase, a mortgage transaction will not close on the day the "deal" is made. Therefore, unless the borrower is sophisticated enough to know how to make it stick, he really has no deal at all. He has committed himself to the lender, but the commitment may not be mutual. In fact, the rates, costs, even the product itself may change later; at a time when the borrower has, not only an emotional stake in proceeding with the transaction, but also a financial one; and is therefore unlikely to cancel. Whether you're a first-time buyer, or a property owner with many mortgage transactions under his belt, you will save time, money, and frustration by reading this book.
Download or read book Make No Mistakes About Buying Real Estate written by Melissa Walters and published by Hillcrest Publishing Group. This book was released on 2008 with total page 308 pages. Available in PDF, EPUB and Kindle. Book excerpt: Make No Mistakes About...Buying Real Estate is an easy to understand guidebook designed for anyone interested in the home buying process. This guidebook will assist you in making rational decisions and reduce the number of mistakes that can cost you thousands of dollars! The information will arm you against losses from the time you make your first offer to the time you are ready to sell any property in any market. You'll reference this guide again and again, even after you have purchased your first home. You will discover how easy it is to: -Decide whether or not to buy in an uncertain market -Avoid paying too much for any property and the mortgage loan -Recognize if you're a victim of mortgage scams and tricks -Avoid foreclosure even if you're facing it now -Guide yourself through the buying process with easy to use checklists Don't be one of the thousands of Americans who get ripped off and don't discover it until it's time to sell! Find out what you can do now so it won't happen to you!
Download or read book Books written by Peter Usborne and published by . This book was released on 1972 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Books written by Peter H. Mann and published by . This book was released on 1971 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Home Buying 101 written by Jon Gorey and published by Simon and Schuster. This book was released on 2022-02-15 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Buying a first home can be both exciting and nerve-wracking. Will you qualify for a mortgage? Is your dream home achievable? How do you make sure your offer will beat others? Don't worry-now you can arm yourself with the information you need to know before you begin the hunt! In Home Buying 101, you will learn all the skills you need to find the right house at the right price, with financing that fits your budget. Full of nuts-and-bolts advice and organized in an easy-to-read format, this book will teach you all the basics of: deciding the right time to buy; getting your finances in order; deciphering the MLS/reading the listings for clues; types of mortgage loans; and much more! With the help of this guide, you'll learn how to find the house of your dreams at a price you can afford!"--
Download or read book Books written by Susan Bartlett and published by . This book was released on 1968 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Buy Your First Home Now written by Peter G. Miller and published by HarperCollins Publishers. This book was released on 1996 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt: Well-respected real estate broker, loan officer, investor and author Peter G. From better deals, cheaper mortgages and bigger tax breaks to home costs and how to assess how much you can afford, this guide tells first-time home buyers everything they need to know.
Download or read book The 106 Common Mistakes Homebuyers Make and How to Avoid Them written by Gary W. Eldred and published by John Wiley & Sons. This book was released on 2011-01-31 with total page 349 pages. Available in PDF, EPUB and Kindle. Book excerpt: Everything first-timers need to know to avoid the most common mistakes homebuyers make Written especially for first-timers, this eye-opening guide turns you into an educated consumer, ensuring that the home or condo you buy is both a comfortable place to live and a great investment for the future. Compiled from the experience of hundreds of homebuyers, real estate agents, home builders, and mortgage lenders, it shows you the most common mistakes buyers make and illustrates them in practice so you don't fall into the same traps. Now revised and updated for today's hot real estate market, this invaluable resource covers everything from negotiating with sellers and making the down payment to shopping for the best mortgage and handling the closing. The new Fourth Edition also includes totally up-to-date guidance on using the Internet to find properties, secure financing, and collect important data. If you're thinking about buying a home in this overheated market, don't make these mistakes: Researching selling prices and still overpaying Believing everything your agent tells you Buying into an upscale neighborhood that's moving downscale Underestimating utilities and other costs Allowing your agent to negotiate for you Letting fear get the better of you and not buying at all Written by one of the nation's leading real estate experts and packed with hundreds of valuable tips and suggestions, The 106 Common Mistakes Homebuyers Make, Fourth Edition will give you the confidence--and the wisdom--to buy the right home at the right price.
Download or read book Re Appraising the Appraisers written by Shelby D. Green and published by . This book was released on 2014 with total page 8 pages. Available in PDF, EPUB and Kindle. Book excerpt: On the surface, suing in negligence seems the most promising avenue for recovery against appraisers, because liability depends on an examination of defendant's conduct alone and does not require an examination or defendant's mental state to show intent or agreement. But historically insuperable hurdles have operated to prevent recovery under this seemingly simple cause of action. One hurdle is lack of privity. The appraiser's legal relationship is with the hiring party -- the lender -- to assess the risks of the loan transaction and not with the purchaser, who may rely on the appraisal in making the decision to purchase. Because of the lack of privity with the buyer-borrowers, the appraisers had no duty and hence no liability to them, even when the property appraisal was critical in the loan transaction. Moreover, even if the facts showed that the appraiser was somehow negligent and that injury to the buyer-borrower was foreseeable, appraisers have asserted the economic loss rule, which operates to preclude recovery in a tort action for purely economic losses, unaccompanied by physical injury or property damage.These defenses might have seemed reasonable or appropriate in a time when there were isolated errors in appraisal reports, but in the world described by the Crisis Commission, fraught with sharp practices and dishonesty, a new regime seems in order. In the last few years, some courts, perceiving the disconnect between the formal rules governing the conduct of appraisers and the ends sought to be achieved by those rules, are making rulings aimed at some harmony and coherence for a sensible imposition of liability for appraisers' wrongful conduct. The limitations of the negligence claim and the need for a new regime are discussed in further detail below.
Download or read book Home Buyer s Education Handbook written by and published by . This book was released on 1998 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book 106 Mortgage Secrets All Borrowers Must Learn But Lenders Don t Tell written by Gary W. Eldred and published by John Wiley & Sons. This book was released on 2007-10-26 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: The only guidebook that shows you how to finance any property--with or without bank approval Would you like to discover all of the many ways that you can finance real estate? Want to learn how to cut your financing costs, avoid pitfalls, and negotiate the best terms? Then let Gary Eldred's 106 Mortgage Secrets All Borrowers Must Learn--But Lenders Don't Tell, Second Edition guide you. Fully updated, this practical guide explains how today's changing mortgage market really works. Unlike other mortgage guides, this book goes beyond traditional bank-originated loans and shows you how to benefit with seller financing, assumables, subject-to, wraparounds, lease options, foreclosures, and other money-saving possibilities. 106 Mortgage Secrets also protects you from the sharp practices of loan reps that have recently sparked Congressional hearings and multiple state investigations. In addition, Eldred shows how and why the right financing decisions can add tens (and sometimes hundreds) of thousands of dollars to your long-term net worth. With these 106 secrets, you'll build the confidence and the knowledge to: * Increase your borrowing power * Obtain the lowest interest rate * Understand the true pros and cons of ARMs * Cut (or eliminate) the cost of mortgage insurance * Save big with seller financing, assumptions, foreclosures, and REOs * Strengthen your credit profile and credit score * Avoid getting taken... by the fine print and garbage fees * Steer clear of scams and unprincipled loan reps and lenders * Accumulate wealth through homeownership and investment properties Simple, concise, and comprehensive, this book reveals everything property buyers need to know--especially the 106 financing secrets lenders too often omit.
Download or read book 10 Steps to Home Ownership written by Ilyce R. Glink and published by Three Rivers Press. This book was released on 1996 with total page 370 pages. Available in PDF, EPUB and Kindle. Book excerpt: The prequel to the hugely successful 100 Questions Every First-Time Home Buyer Should Ask tells first-time home buyers everything they need to know before they begin the search for the house of their dreams. Includes 20 worksheets, 15 charts and graphs.
Download or read book Correspondent Mortgage Lenders written by and published by . This book was released on 2003 with total page 142 pages. Available in PDF, EPUB and Kindle. Book excerpt:
