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RESUM NAME:- RAKESH KUMAR JANGIDFATHER’S NAME:- SH. KESHAR RAM JANGIDDATE OF BIRTH:- MARCH-04,1985MARITUL STALUS:-MARRIEDNATIONALITY:- INDIAADD.:- 77/14, NAYA BASS, BILARA, DIST.- JODHPUR(RAJ.) 342602CONT. NO.:- 9413059406(M) EDUCATION QUALIFICATION

SR.	EXAM	YEAR	BORD/UNIVERCITY	DIV.	PER.
1	SECONDARY	2002	BORD OF RAJ.	II	51%
2	SR.SECONDARY	1999	BORD OF RAJ.	III	42%
3	COMPUTER DIPLOMA	2002	COMPUCOM, JAIPUR	I	90%
4	GRATUATION	PRESANT	JNUV. JODHPUR UNIVERCITY

EXPERIENCE1. TEACHING EXPERIENCE (1YEAR)2. COMPUTER OPRETOR EXP.(1YEAR) I have by declare that all the above statement’s are true the best of knowledge of and belief. Place-Bilara

UK Home Loan Brokers

Homeowners understand that having their property gives them the advantage of being able to get large sums of money without having to sell by choosing a UK home loan. Sometimes, though, getting a home loan can seem a daunting and confusing task. If you would prefer not to have to do research and travel to various UK financial institutions to get information before choosing a loan, you may want to hire a home loan broker. These brokers are specially trained to help you, the homeowner, in the process of finding the best home loan for your particular situation. This makes the process of getting a home loan simple and eas

The Home-Equity Loan: What It Is And How It Works

Two Types of Home-Equity Loans Home equity loans come in two varieties - fixed-rate loans and lines of credit - and both types are available with terms that generally range from five to 15 years. Another similarity is that both types of loans must be repaid in full if the home on which they are borrowed is sold.

Fixed-Rate Loans
Fixed-rate loan provide a single, lump-sum payment to the borrower, which is repaid over a set period of time at an agreed-upon interest rate. The payment and interest rate remain the same over the lifetime of the loan

FHA's Home Equity Conversion Mortgage Program Information by State Esta página en español Print version Summary: The Home Equity Conversion Mortgage (HECM) program enables older homeowners to withdraw some of the equity in their home in the form of monthly payments for life or a fixed term, or in a lump sum, or through a line of credit. In addition, the HECM mortgage can be used to purchase a primary home when the borrower is 62 years of age or older and is able to use cash in hand to pay the difference between the reverse mortgage and the sales price plus closing costs for the property. Purpose: To be eligible for a HECM mortgage, current homeowners must be 62 years of age or older, own their home outright or have a low mortgage balance that can be paid off at closing with proceeds from the reverse mortgage. The home must be their principal residence. In addition, the HECM can be used to purchase a primary home if the borrower is able to use cash in hand to pay the difference between the HECM and the sales price and closing costs for the property. Because older persons can be vulnerable to fraudulent practices, the program requires that persons receive free reverse mortgage housing counseling from a HUD approved reverse mortgage counseling agency before applying for a reverse mortgage. FHA insures HECM loans to protect lenders against loss if amounts withdrawn exceed equity when the property is sold. Type of Assistance: HECM can be used by homeowners who are 62 years of age and older. The total income that an owner can receive through HECM is the maximum claim amount, which is calculated with a formula including the age of the owner(s), the interest rate, and the value of the home. Borrowers may choose one of five payment options: (1) tenure, which gives the borrower a monthly payment from the lender for as long as the borrower lives and continues to occupy the home as a principal residence; (2) term, which gives the borrower monthly payments for a fixed period selected by the borrower; (3) line of credit, which allows the borrower to make withdrawals up to a maximum amount, at times and in amounts of the borrower's choosing; (4) modified tenure, which combines the tenure option with a line of credit; and (5) modified term, which combines the term option with a line of credit. The borrower remains the owner of the home and may sell it and move at any time, keeping the sales proceeds that exceed the mortgage balance. A borrower cannot be forced to sell the home to pay off the mortgage, even if the mortgage balance grows to exceed the value of the property. A HECM loan need not be repaid until the borrower moves, sells, or dies. When the loan must be paid, if it exceeds the value of the property, the borrower (or the heirs) will owe no more than the value of the property, if they sell the property to repay the loan. Two mortgage insurance premiums are collected to pay for HECM: an upfront premium (2 percent of the home's value), and a monthly premium (which equals 0.5 percent per year of the mortgage balance). A lender can charge an origination fee up to $2,500 if the home's appraised value is less than $125,000. If the home is valued at more than $125,000, lenders can charge 2% of the first $200,000 of the home's value plus 1% of the amount over $200,000. HECM origination fees are capped at $6,000. All HECM borrowers are required to complete reverse mortgage counseling through a HUD approved housing counseling agency. Eligible Customers: To be eligible for HECM, a homeowner must (1) be 62 years of age or older, (2) have a low outstanding mortgage balance or own their home free and clear, and (3) have received HUD approved reverse mortgage counseling to learn about the program. An eligible property must be a principal residence, but it can be a single family residence, a one to four -unit building with one unit occupied by the borrower, a manufactured home, a unit in an FHA approved condominium, or a unit in a planned unit development. The property must meet FHA standards, but the owner can pay for repairs using the reverse mortgage. Application: Borrowers who meet the eligibility criteria above can apply through an FHA HECM approved lending institution. Borrowers can locate FHA approved lenders through HUD's searchable listing. Technical Guidance: This program is authorized by the Housing and Community Development Act of 1987, Section 417, Public Law 100-242 (12 U.S.C. 1715z-20). Program regulations are in 24 CFR 200 and 206. For More Information: Homeowners who want to learn more about this program should call HUD's toll-free housing counseling information line, (800) 569-4287 or see the searchable list of HUD approved reverse mortgage housing counseling agencies. Additional information is available from AARP's Home Equity Conversion Information Center (202) 434-6044. Return to the HECMS web page for

Home Equity Loans

We help you get the lowest home equity rates in the whole industry. We compare hundreds of lenders and then arrive at the best possible one for you. Let us do the research exercise for you.

If you are a homeowner who needs money to pay bills or for home repairs, you may think a home equity loan is the answer.

With a Home Equity loan from 123-refinance-mortgage.com Funding you can add to the value of your home without using credit cards or dipping into your savings. Take advantage of today's low interest rates by getting much-needed cash equity from your home.

123-refinance-mortgage is the world’s largest online portal for all refinance mortgage solutions. In addition to Home Equity loans, there are other ways to borrow money from 123-refinance-mortgage.com Funding such as through a Second Mortgage Installment loan. With this type of loan you can receive money in a lump sum rather than in a series of advances, allowing you greater flexibility in handling expenses, whatever they may be.

You can find the Best Home Equity Loan Rates in minutes with 123-refinance-mortgage.com. When you compare by yourself the interest rate, points and fees seem very high but we can make it pretty simple by our expert advice and the comparative analysis of the rates of many lenders in the market. We can also compare rates on second mortgages, home equity loans, and line of credit rates with Bank rate free rate listings.

A home equity loan or line of credit enables you to borrow money using your home. Also the shorter payment duration is another catch for people going for a refinance mortgage loan.

If there are some payments still unpaid think of a home equity loan and settle the bills or use the money for home repairs. We at 123-refinance-mortgage.com help spot and avoid any home equity loan fraud.

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Colorado, Missouri, Mississippi, Florida, Tennessee, Alabama & Indiana Home loans available.

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Tap the Power of Your Home’s Equity

Need cash for home improvements, debt consolidation…anything?

Try a Home Equity Loan. Our network of lenders can provide all types of home equity loans and versatile home equity lines of credit (HELOC). Get cash from your home’s equity for any financial need:

Consolidate your debt into one easy payment
Make home improvements
Pay for college
Buy a car
Have a ready-to-use safety net for financial emergencies
In some cases, there are even tax benefits to having a home equity loan.* Use a LendingTree Home Equity Calculator to calculate your home's equity and find the home equity loan that’s best for you.


*Consult your tax planner.