Flag Bar

Home > Find all you need on Restaurant and catering > Flag Bar

September 9th, 2009 admin Leave a comment Go to comments

Stars and Bars Nylon Historical Flag 2' X 3'

$29.00

10 ONE TROY OZ .999 SILVER MAPLE LEAF CANADA FLAG ART CLAD BAR █ WHOLESALE LOT

$34.95

3 PIECE BLACK BAR TABLE SET 2 ADJUSTABLE 24"-29" RACING CHECKER FLAG BAR STOOLS

$327.88

5 MOOSEHEAD CARDBOARD BEER/ BAR BANNERS/ FLAGS (12" X 9-1/2") 1999

$4.99

2011 EAGLE W/FLAG COPPER BULLION BAR 16oz .999 POUND

$15.99

3' x 5' Flag Alabama Champ Wall Bar Decor - Roll Tide

$27.95

2 24" WHITE FINISH METAL BACKREST SWIVEL RACING CHECKER FLAG NASCAR BAR STOOLS

$145.87

1 oz .999 Fine Silver Bar Silver Trade Unit Eagle w/Flag Design

$32.57

Vintage NFL Washington Redskins Pennant Flag Football 1969 Single Bar Helmet

$19.99

2011 EAGLE W/FLAG COPPER BAR 8oz .999 FINE 1/2 POUND

$3.26

REBEL FLAG CONFEDERATE LOGO 14G TONGUE RING BAR NEW

$0.99

ENGELHARD .999 FINE SILVER TROY OZ. BAR - RARE EAGLE & FLAG DESIGN - 3 PICTURE'S

$30.01

vn053 Cerveza Pacifico Clara BEER Pub Bar Banner Flag

$0.99

flags for around ceiling for a bar SMIRNOFF, CROWN etc

$15.00

12PCS x C20097 German Eagle Flag Beer Bar Fluorescence Coaster

$0.01

Ebn bn0072 Tattoo Pirate Skull Monogram Bar Banner Flag Sign

$0.01

2011 Eagle with Flag COPPER BULLION BAR KILO .999 FINE

$18.99

bn285 OPEN Wine Shop Bar Pub Club Banner Flag Sign

$0.01

vn043 Jameson Whiskey Bar Pub Open Banner Flag Sign

$0.99

bn285 OPEN Wine Shop Bar Pub Club Banner Flag Sign

$0.99

POPCORN Flag 3x5 Advertising Sign Banner Snack Bar Cart Movie Theater Concession

$5.95

Confederate Flag Mardi Gras Bead Motorcycle Stars Bars

$6.95

1 GRAM .999 PURE FINE SILVER "AMERICAN FLAG" BULLION BAR

$1.75

BIG-D88 USA flag open Beer Bar Neon light sign store display 18*14 Real Neon

$0.97

' 5 ' SILVER Bar Round - 4 1 / 2 oz .999 , INDIANS LION FLAG LIBERTY - TROY FINE

$135.00

1904 Hohn/Artist-Signed Postcard: American Bar/Flag-MBC

$9.99

vn037 KTM Bike Racing Motorcycle Beer Bar Banner Flag

$0.99

3x5 VARIOUS MESSAGES FLAGS HUGE OUTDOOR YOU PICK 3'X5'

$8.95

2 RACING CHECKER FLAG NASCAR SEAT KITCHEN CHROME ADJUSTABLE 24"-29" BAR STOOLS

$198.88

NEW 3X5FT BUDWEISER BEER FLAG SPORTS BAR BANNER w

$11.95

Purchasing a home is exciting, exhilarating, frustrating and fun all at the same time. It is important to be ready when you start to look for a home to buy, the most frustrating part of the process is having to give more documents to the lender.

Having your credit and funds to close are a major part of being ready to buy a home however, there are some things that can cause the loan to be rejected. These are called Red Flags. One of these items may not be a problem but more than one can cause the loan to be rejected.

Gift money--FHA allows a family member or a close friend to give the borrower money for the down payment. Close friend to some underwriters means a fiancee. When a borrower is using gift money to purchase a home, it is an indication the borrower does not have the ability to save money before purchasing a home. If they cannot save money before closing, it is perceived they cannot save money after closing.
Increased Housing Expense--The housing expense can not increase by more than 50% the current housing. There are more expenses owning than renting.
A non-occupant co buyer--FHA will allow a non occupant co- borrower to qualify on the loan with the borrower. The non-occupant must be a family member. The non-occupant borrower usually will not make the mortgage payments, however the loan will affect their credit. When a borrower needs a non-occupant co-borrower this usually means they cannot qualify for the house they are buying.
Adjustable Rate Mortgage (ARM)--Since the mortgage meltdown, it is difficult to get an adjustable rate. The adjustable rates are another indicator that the house the borrower is purchasing is too expensive.
Previous credit problems--The underwriter will look at the credit history, if credit problems have been cleared within a few months of making a loan application, the loan could be rejected. Credit problems should be cleared at least 12 months before applying for a mortgage loan.
Ratios exceed the guidelines--The housing expense for FHA is 31% of the gross monthly income and the debt to income expense is 43% of the gross monthly income. There must be strong compensating factors for an underwriter to approve a loan that exceeds the ratios.
Less than 18 months with the current employer--job stability is very important, even with the economy as bad as it is, the underwriter must know the borrower has the ability to keep a job. Some people change jobs often. The mortgage is in jeopardy of foreclosure if the borrower does not have stable income.
Less than $100.00 left after closing--When a borrower has less than $100.00 left in the bank when they close on their loan, they should re-think buying a house. It will take far more than $100.00 to move.
No Credit History--Some people chose not to have credit and pay cash for everything. Unfortunately the lender is not able to see how they pay others. This alone may not cause the loan to be rejected but may be rejected with other red flag items. Non-traditional credit will be used to get a pay history. This can include utility bills, car payments that do not report to the credit bureaus, rental payments (Not housing). The non-traditional credit must have a 12 month payment history with no late payments.
No banking history--Three months of banking statements must be provided. Buyers that do not have a bank account must get one and they should do that 3 months or more before applying for a mortgage loan. The lender must know that the borrower has money to close on the loan and the ability to save.

Owning your own home is a wonderful thing but it is so important that the borrower is educated before starting the process.

Educate yourself.

Rae McCall I spent more than 20 years as a Mortgage Loan Officer. It was my responsibility to guide borrowers through the process finding the best mortgage loan product to fit their needs.

I originated FHA, Va and Conventional loans, my niche product was the FHA 203K renovation loan program. The program is not widely used because it is a complex loan and needs to be fully understood by the loan officer.

I have been certified in Alabama, Georgia and Tennessee to teach the 203K renovation loan to Real Estate Agents for continuing education credit.

For more information see my website http://www.203kclass.com

Black Ops - 3 Bar Warrior Defending B Flag Like A Boss - Domination on Summit