Video Makes the Marketing Star

Everyday consumers are bombarded with visual images that surround them both online and offline. From their reflection in the mirror to the beauty of the outdoors to the visual images they see online, there is no escaping how these experiences influence their lives. Keeping this in mind, videos are among the top ways consumers are […]

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EasyApache 21 February 2017 Maintenance Release

SUMMARY cPanel, Inc. has released EasyApache 3.34.12 with Apache version 2.2.32. This release addresses vulnerabilities related to CVE-2016-8743 and CVE-2016-5387. We strongly encourage all Apache 2.2 users to upgrade to version 2.2.32. AFFECTED VERSIONS All versions of Apache 2.2 through version 2.2.31 SECURITY RATING The National Vulnerability Database (NIST) has …

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How a Dallas Mom Found Success Staying at Home with a Newborn

When it comes to managing a family, every mom knows a little extra money goes a long way. But moms are so busy that we barely have time to take care of ourselves. So how are we going to find time to make extra money while managing the kids? My name is Jena Apgar and […]

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Self-employed? Tips to help you navigate the mortgage process

(BPT) – Sponsored ad content by Vanderbilt Mortgage and Finance, Inc.

When you’re self-employed, you often work harder than anyone else you know. That’s what it takes to be your own boss. While rewarding, it comes with a lot of added responsibility. This is especially true when applying for a mortgage.

“Self-employment can complicate the mortgage process for one very simple but critically important reason,” says Eric Hamilton, president of Vanderbilt Mortgage and Finance. “Lenders need to know you will have the income to afford a loan payment. This sometimes requires people who are self-employed to provide more detailed information and paperwork than those who are traditionally employed.”

Proof of income

It’s not only good business sense for lenders to know a borrower can afford a mortgage before they make a loan, federal law also requires they do so. The evaluation process typically requires fewer steps for people who aren’t self-employed — those who get a salary for working for another person or company. The lender will review the applicant’s total income, existing debt, credit history and score, as well as other factors, and base the decision on that information.

However, when you’re self-employed, proving your income can be more complex. About 10 percent of people working in America are self-employed, according to the Bureau of Labor Statistics (BLS). If you’re among those 15 million people, it can be more difficult for you to document your income and prove you can afford to pay back the amount you’re asking to borrow.

“Lenders may ask self-employed applicants to complete a 4506T form, which allows the lender to look at the applicant’s tax documents, including recent income filings,” Hamilton says. “They will also likely request a professionally prepared profit-and-loss statement and balance sheet for the business to show you have steady income throughout the year between tax-filing times.”

Improving your chances of approval

Fortunately, if you’re self-employed, you can take steps to be better prepared when beginning the mortgage application process. Hamilton and the team at Vanderbilt, which specializes in financing mortgages for manufactured homes, offer some tips:

* Before you apply for a loan, pay off as much debt as possible. Mortgage lenders will consider your debt-to-income ratio, which compares your total income to the total amount you owe.

* Save up a substantial down payment.

* Work to improve your credit score by paying all bills on time and reducing your debt. Payment history and credit-utilization ratio (the total credit you have available compared to the amount you’re actually using) are important factors in determining your credit scores.

“Being prepared before you start a mortgage application and getting your finances in order can help make the mortgage process go much smoother,” Hamilton says. “The mortgage application process is just one step on your journey to home ownership, but it’s an important one.”

To learn more about mortgages for manufactured homes, visit www.VMF.com.

All loans subject to credit approval.

Sponsored ad content by Vanderbilt Mortgage and Finance, Inc.

NMLS Disclosure

Vanderbilt Mortgage and Finance, Inc., 500 Alcoa Trail, Maryville, TN 37804, 865-380-3000, NMLS #1561, (http://www.nmlsconsumeraccess.org/), AZ Lic. #BK-0902616, Loans made or arranged pursuant to a California Finance Lenders Law license, GA Residential Mortgage (Lic. #6911), Illinois Residential Mortgage Licensee, Licensed by the NH Banking Department, MT Lic. #1561, Licensed by PA Dept. of Banking.

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Self-employed? Tips to help you navigate the mortgage process

(BPT) – Sponsored ad content by Vanderbilt Mortgage and Finance, Inc.

When you’re self-employed, you often work harder than anyone else you know. That’s what it takes to be your own boss. While rewarding, it comes with a lot of added responsibility. This is especially true when applying for a mortgage.

“Self-employment can complicate the mortgage process for one very simple but critically important reason,” says Eric Hamilton, president of Vanderbilt Mortgage and Finance. “Lenders need to know you will have the income to afford a loan payment. This sometimes requires people who are self-employed to provide more detailed information and paperwork than those who are traditionally employed.”

Proof of income

It’s not only good business sense for lenders to know a borrower can afford a mortgage before they make a loan, federal law also requires they do so. The evaluation process typically requires fewer steps for people who aren’t self-employed — those who get a salary for working for another person or company. The lender will review the applicant’s total income, existing debt, credit history and score, as well as other factors, and base the decision on that information.

However, when you’re self-employed, proving your income can be more complex. About 10 percent of people working in America are self-employed, according to the Bureau of Labor Statistics (BLS). If you’re among those 15 million people, it can be more difficult for you to document your income and prove you can afford to pay back the amount you’re asking to borrow.

“Lenders may ask self-employed applicants to complete a 4506T form, which allows the lender to look at the applicant’s tax documents, including recent income filings,” Hamilton says. “They will also likely request a professionally prepared profit-and-loss statement and balance sheet for the business to show you have steady income throughout the year between tax-filing times.”

Improving your chances of approval

Fortunately, if you’re self-employed, you can take steps to be better prepared when beginning the mortgage application process. Hamilton and the team at Vanderbilt, which specializes in financing mortgages for manufactured homes, offer some tips:

* Before you apply for a loan, pay off as much debt as possible. Mortgage lenders will consider your debt-to-income ratio, which compares your total income to the total amount you owe.

* Save up a substantial down payment.

* Work to improve your credit score by paying all bills on time and reducing your debt. Payment history and credit-utilization ratio (the total credit you have available compared to the amount you’re actually using) are important factors in determining your credit scores.

“Being prepared before you start a mortgage application and getting your finances in order can help make the mortgage process go much smoother,” Hamilton says. “The mortgage application process is just one step on your journey to home ownership, but it’s an important one.”

To learn more about mortgages for manufactured homes, visit www.VMF.com.

All loans subject to credit approval.

Sponsored ad content by Vanderbilt Mortgage and Finance, Inc.

NMLS Disclosure

Vanderbilt Mortgage and Finance, Inc., 500 Alcoa Trail, Maryville, TN 37804, 865-380-3000, NMLS #1561, (http://www.nmlsconsumeraccess.org/), AZ Lic. #BK-0902616, Loans made or arranged pursuant to a California Finance Lenders Law license, GA Residential Mortgage (Lic. #6911), Illinois Residential Mortgage Licensee, Licensed by the NH Banking Department, MT Lic. #1561, Licensed by PA Dept. of Banking.

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Gig Economy News: Death & Taxes

Entrepreneurship requires having a healthy mixture of lofty, head-in-the-clouds ambitions, and an understanding of down-to-earth, nitty gritty details. No time makes this clearer than spring – or as it’s known in the United States – tax season. Even if you’re not an American entrepreneur, springtime is the perfect opportunity to do a little spring cleaning […]

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It’s Our Party and We Can Design If We Want To: #MadeOnFiverr Birthday Card Contest

Happy birthday to us! To celebrate our 7th anniversary, we invited our community to design original and creative birthday greeting cards. All of the cards delighted and surprised us—a true testament to the ingenuity of the doers in our community! Below are the top 10 cards, available for free download for the next time you […]

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Why Outsourcing Makes Sense for Startups (and How to Do It Effectively)

As a startup founder, there’s nothing more exciting than getting your new venture off the ground. But even when you do, there’s one concern that’s likely to give you a few sleepless nights: keeping your budget under control. A new startup faces a catch-22: the need to invest in and develop the business even though […]

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Managing Small Business Finance: Borrowing Doesn’t Have to be Big

When it comes to managing your startup, one of the biggest problems you’ll face will be a lack of financing to get you off the ground. Borrowing money can seem daunting, but if you just need a little bit of cash to help with the launch or to stay afloat in the first few months, […]

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