Fannie Mae’s Loan Quality Initiative (LQI) is forcing home buyers to obtain mortgages based on "refreshed" credit reports or risk their closing being canceled and, in some states, their deposits forfeited. In other words, the buyer is not officially approved for the mortgage until the results of second credit report are approved. There may be other last-minute verifications of undisclosed liabilities, such as job status, that may be "refreshed" as well.

Example: Buyer A listed his three credit cards on his loan application. The lender approved Buyer A's credit and approves the mortgage loan request, partially based on this information. Buyer A goes to a “store” and applies for fourth credit card. The day before the closing, the lender refreshes his credit to make sure his credit score is still as good as it was when it was pulled the first time. The lender discovers that Buyer A's credit score has been lowered because Buyer A applied for the fourth credit card. It's called finding an "undisclosed liability". Under the LQI, the lender could delay the closing, increase the interest rate, ask for a larger down payment, cancel the closing or in some states, lose his deposit.

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The Direct Marketing Association Digital Marketing Practices and Trends report

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First ever U.S. Latinas Shopping Habits Study. Jackie Bird, CEO of Redbean Society Read more...

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Radio consumption shows impressive year-over-year stability, according to an analysis Read more...

Digital media and the Internet are transforming the way brands must communicate and interact with their consumers. Evolving media vehicles, including online video and mobile advertising, location based marketing, social media, and out-of-home media, are creating new methods for connecting with consumers, anytime, anywhere, and on any device.

By Jason Krebs - Digiday published a story with the views of agencies on best practices for how vendors should conduct meetings. Based on over 15 years in publisher sales, I thought this story was hilarious. I’ll quickly break down what was written and provide advice to these poor agency souls to fix their woes.

La Publicidad en Móviles - La evolución tecnológica ha sido aprovechada por las empresas para innovar y hacer más productivos sus negocios, los videojuegos, la publicidad y los móviles son uno de los sectores con mayor diversificación pero, ¿en verdad sirve juntar ambos elementos para la promoción masiva?

En México, existen 83.5 millones de líneas celulares de las cuales un 6% se concentra en los teléfonos inteligentes cuya capacidad multitarea hace de ellos un blanco ideal para contenidos como juegos y aplicaciones con publicidad, según datos de la Asociación Mexicana del Internet (AMIPCI),

Como "Trabajar desde mi Casa"

Oportunidad de negocio a tiempo parcial o completo para trabajar desde casa como una actividad independiente.

Si lo que está buscando es un empresa un empleo fijo o actividad manual desde casa, esto no es para usted. Le agradecemos su visita y le deseamos todo lo mejor. Esto es lo llamado, trabajar desde mi casa.

Estamos buscando personas con deseo de mejorar su calidad de vida y ganar realmente lo que merecen. Tenemos más información que darle, pero antes nos gustaría saber si es una persona emprendedora que realmente tiene ilusión y deseo por cambiar su modo de vida actual, trabajar desde casa por internet como una actividad independiente.

A new study shows that in an average week, 74 percent of all Internet users rely on local newspaper media – digital as well as print – as key sources of news and information, and are engaging with their local newspaper across multiple platforms.

Por: David Mayorga - Hace ocho años, Pagos Online nació en la sala de una casa. Hoy factura US$70 millones al mes y hace parte de la multinacional Naspers. Lo primero que sintió fue una arcada. La necesidad de expulsar todo el temor que en apenas segundos generó aquel trozo de papel que para Martin Schrimpff y sus socios significaba no sólo un desastre financiero, sino el abrupto final de un sueño.

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