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If you live in a Universal Home Insulation Scheme (UHIS) area in Scotland you could benefit from an interest free loan of up to £10,000. To find out if you live in a UHIS area please contact your local Energy Saving Scotland advice centre on 0800 512 012 What's on offer? Loans of between £500 and £10,000 are available (please note: loans are only available up to a maximum of £4,000 for solar photovoltaic (PV), wind turbines and small scale hydro technologies Loans are interest free so you only pay back what you borrow Applicants can pay back the loan in monthly instalments over a maximum of eight years. Loans can be combined with funding from fuel suppliers under the Carbon Emission Reduction Target. Loans cannot be combined with an Energy Saving Scotland Boiler Scrappage Scheme voucher. What can I use the loan for? Installing cavity wall or solid wall insulation and/or loft insulation Installing renewable energy systems, such as wind turbines, solar photovoltaic, solar water and space heating, heat pumps (ground, air and water source), small scale hydro and wood fuelled boiler systems Replacing old, inefficient boilers with an Energy Saving Trust Recommended (ESTR) boiler The energy efficiency or renewable measure funded by the loan must be recommended in one of the following documents: Energy Performance Certificate (within the home report completed when buying, renting or selling a home) Home energy report for energy efficiency measures only (produced on completion of an Energy Saving Trust Home Energy Check (HEC) Home Energy Generation report (completed via a phone survey carried out by an Energy Saving Scotland home renewables advisor ) Home report on renewables and energy efficiency ( completed via a home visit from an Energy Saving Scotland home renewables advisor), or Energy Assistance Package (EAP) Stage Four managing agent letter detailing the work recommended. You can find out more about all these documents and how to get th

Mortgage fraud is crime in which the intent is to materially misrepresent or omit information on a mortgage loan application to obtain a loan or to obtain a larger loan than would have been obtained had the lender or borrower known the truth. In United States federal courts, mortgage fraud is prosecuted as wire fraud, bank fraud, mail fraud and money laundering, with penalties of up to thirty years imprisonment.As the incidence of mortgage fraud has risen over the past few years, states have also begun to enact their own penalties for mortgage fraud. Mortgage fraud is not to be confused with predatory mortgage lending, which occurs when a consumer is misled or deceived by agents of the lender. However, predatory lending practices often co-exist with mortgage fraud. Types Occupancy fraud: This occurs where the borrower wishes to obtain a mortgage to acquire an investment property, but states on the loan application that the borrower will occupy the property as the primary residence or as a second home. If undetected, the borrower typically obtains a lower interest rate than was warranted. Because lenders typically charge a higher interest rate for non-owner-occupied properties, which historically have higher delinquency rates, the lender receives insufficient return on capital and is over-exposed to loss relative to what was expected in the transaction. In addition, lenders allow larger loans on owner-occupied homes compared to loans for investment properties. When occupancy fraud occurs, it is likely that taxes on gains are not paid, resulting in additional fraud. It is considered fraud because the borrower has materially misprepresented the risk to the lender to obtain more favorable loan terms. Income fraud: This occurs when a borrower overstates his/her income to qualify for a mortgage or for a larger loan amount. This was most often seen with so-called "stated income" mortgage loans (popularly referred to as "liar loans"), where the borrower, or a l

owers may conceal obligations, such as mortgage loans on other properties or newly acquired credit card debt, to reduce the amount of monthly debt declared on the loan application. This omission of liabilities artificially lowers the debt-to-income ratio, which is a key underwriting criterion used to determine eligibility for most mortgage loans. It is considered fraud because it allows the borrower to qualify for a loan which otherwise would not have been granted, or to qualify for a bigger loan than what would have been granted had the borrower's true debt been disclosed. Fraud for profit: A complex scheme involving multiple parties, including mortgage lending professionals, in a financially motivated attempt to defraud the lender of large sums of money. Fraud for profit schemes frequently include a straw borrower whose credit report is used, a dishonest appraiser who intentionally and significantly overstates the value of the subject property, a dishonest settlement agent who might prepare two sets of HUD settlement statements or makes disbursements from loan proceeds which are not disclosed on the settlement statement, and a property owner, all in a coordinated attempt to obtain an inappropriately large loan. The parties involved share the ill-gotten gains and the mortgage eventually goes into default. In other cases, naive "investors" are lured into the scheme with the organizer's promise that the home will be repaired, repairs and/or renovations will be made, tenants will located, rents will be collected, mortgage payments made and profits will be split upon sale of the property, all without the active participation of the straw buyer. Once the loan is closed, the organizer disappears, no repairs are made nor renters found, and the "investor" is liable for paying the mortgage on a property that is not worth what is owed, leaving the "investor" financially ruined. If undetected, a bank may lend hundreds of thousands of dollars against a property that is act

Mortgage fraud is crime in which the intent is to materially misrepresent or omit information on a mortgage loan application to obtain a loan or to obtain a larger loan than would have been obtained had the lender or borrower known the truth. In United States federal courts, mortgage fraud is prosecuted as wire fraud, bank fraud, mail fraud and money laundering, with penalties of up to thirty years imprisonment.As the incidence of mortgage fraud has risen over the past few years, states have also begun to enact their own penalties for mortgage fraud. Mortgage fraud is not to be confused with predatory mortgage lending, which occurs when a consumer is misled or deceived by agents of the lender. However, predatory lending practices often co-exist with mortgage fraud. Types Occupancy fraud: This occurs where the borrower wishes to obtain a mortgage to acquire an investment property, but states on the loan application that the borrower will occupy the property as the primary residence or as a second home. If undetected, the borrower typically obtains a lower interest rate than was warranted. Because lenders typically charge a higher interest rate for non-owner-occupied properties, which historically have higher delinquency rates, the lender receives insufficient return on capital and is over-exposed to loss relative to what was expected in the transaction. In addition, lenders allow larger loans on owner-occupied homes compared to loans for investment properties. When occupancy fraud occurs, it is likely that taxes on gains are not paid, resulting in additional fraud. It is considered fraud because the borrower has materially misprepresented the risk to the lender to obtain more favorable loan terms. Income fraud: This occurs when a borrower overstates his/her income to qualify for a mortgage or for a larger loan amount. This was most often seen with so-called "stated income" mortgage loans (popularly referred to as "liar loans"), where the borrower, or a l

New scam involving phony "forensic audits" of mortgage loans is the latest variation on loan modification scams. An article in the Sacramento Bee this week, reported that California Attorney General Jerry Brown warned California's distressed homeowner's to refrain from forensic review of their mortgage loan and lender's practices. Jerry Brown issued a press release stating that these loan audits are nothing more than loan modification scams that are taking advantage of people's desperation in the midst of the nation's persisting economic troubles. He joined with the California Department of Real Estate and the State Bar of California to warn homeowners who face the danger of foreclosure, to avoid such scams because they offer no help towards saving their home from foreclosure. The Latest among Many Loan Modification Scams Last year, the California Department of Real Estate investigated more than 2,000 cases of loan modification scam and from that number, 350 scam operations were ordered to terminate their illegal activity according to the attorney general's office. According to the article, the spokesman for the attorney general, Evan Westrup, explained that "It's the latest phony foreclosure-relief 'service' by an industry that continues to be long on promises and short on results…another way to get homeowners in distress to pay for services that ultimately aren't helping or providing the relief they need." The "Forensic Audit' Loan Modification Scam This particular scam entices homeowners through newspaper advertisements, as well as radio and television spots. The hook is to get homeowners to believe that they can find errors, improper documentation, or outright illegal activity in the way the mortgage was originated or within the loan itself. Supposedly, with such information, the homeowner will have sufficient leverage to fight the lender in the home loan-modification process with the hope of receiving assistance in keeping

New scam involving phony "forensic audits" of mortgage loans is the latest variation on loan modification scams. An article in the Sacramento Bee this week, reported that California Attorney General Jerry Brown warned California's distressed homeowner's to refrain from forensic review of their mortgage loan and lender's practices. Jerry Brown issued a press release stating that these loan audits are nothing more than loan modification scams that are taking advantage of people's desperation in the midst of the nation's persisting economic troubles. He joined with the California Department of Real Estate and the State Bar of California to warn homeowners who face the danger of foreclosure, to avoid such scams because they offer no help towards saving their home from foreclosure. The Latest among Many Loan Modification Scams Last year, the California Department of Real Estate investigated more than 2,000 cases of loan modification scam and from that number, 350 scam operations were ordered to terminate their illegal activity according to the attorney general's office. According to the article, the spokesman for the attorney general, Evan Westrup, explained that "It's the latest phony foreclosure-relief 'service' by an industry that continues to be long on promises and short on results…another way to get homeowners in distress to pay for services that ultimately aren't helping or providing the relief they need." The "Forensic Audit' Loan Modification Scam This particular scam entices homeowners through newspaper advertisements, as well as radio and television spots. The hook is to get homeowners to believe that they can find errors, improper documentation, or outright illegal activity in the way the mortgage was originated or within the loan itself. Supposedly, with such information, the homeowner will have sufficient leverage to fight the lender in the home loan-modification process with the hope of receiving assistance in keeping

It was agreed by nonprofit housing counseling agencies and housing rights advocates that foreclosure rescue scams are still common in the Bay Area, and there's no need for homeowners in distress to empty their pockets paying for private attorneys. Because of the sudden death of the family's primary breadwinner, Tatakamotongas of East Palo Alto suffered from mortgage payments. They decided to seek help with obtaining a loan modification to lower their monthly payments and due to this they came into contact with a scammer rather than legal help. "The advice they gave me was 'Don't make any more payments at all. The longer you are backed up, the more we can help you.' And so of course I believed them," says Mele Tatakamotonga. The scammer was a private attorney. He told them to stop paying their mortgage so that they will qualify for a modification and charged them $3,000 for the assistance. But as expected from a scammer, after paying the fee the phone number had been disconnected. "Foreclosure rescue and mortgage modification scams are continuing and getting bolder," says Vanitha Venugopal, program director of Community Development and Investment at The San Francisco Foundation. Homeowners must pay for help with loan modifications and other housing issues because scams continue to be rampant, advocates say. The Tatakamotongas finally found Community Legal Services in East Palo Alto, a nonprofit law office, which collected the family's money from the dishonest attorney, and assisted them with obtaining a loan modification. Maeve Elise Brown, Executive Director of Housing and Economic Rights Advocates (HERA) in Oakland, another organization that offers free legal aid, warns that scams are commonly carried out by unscrupulous attorneys. Brown also says that the media needs to be wary of running scammers' advertisements. Many homeowners looking for help contact scammers that they find through television and radio ads. According to Leah Si

Sometimes, when you are not in a position of moving out of your house alone due to some physical problem and have encountered an unexpected expense which needs hard cash to deal with, you can apply for instant cash loans.

Payday loans offer you speedy cash assistance during financial emergencies even before you receive your next month's paycheck. Money obtained under these loans can be freely utilized to deal with any unexpected cash demands without any delay.

Get speedy cash assistance by availing quick cash loans to eliminate your urgent fiscal woes and worries. Moreover, bad credit holders can conveniently source funds without any paper work and collateral.

Business owners take all possible steps to ensure customer satisfaction. One of the most successful and recommended strategies in this regard is to begin with a virtual receptionist service. This service brings in extra representatives for a business and eases the lives of the customers. When the customers have questions or queries to be answered or any problems to be solved, they try to reach the authoritative body telephonically and it is not uncommon for them for not having to been able to do so. This is where the need for virtual receptionists comes in. Virtual receptionists are basically persons who work for the customer support but do not work from the office or any specified location.

http://melissarocks98.blogspot.com/ Real Florida Haunts The St. Augustine Lighthouse is definitely considered one of the most popular locations when it comes to the most haunted areas of the city. True ghost stories have been documented about this location in popular television shows like Ghost Hunters, and various other types of media all throughout history. Many lives have been lost in and around the area of the St. Augustine Lighthouse. These losses as well as a lot of unexplained phenomenon are the "fuel behind the fire" when it comes to paranormal activity in this location. The following represents some of the paranormal activity that is believed to occur at this location: The St. Augustine Lighthouse 1. In the year of 1873, on the 10th day of July, there was a tragic accident that occurred while the lighthouse was being constructed. Five kids were riding along a type of cart that assisted in bringing in supplies. They fell in the water as a result of the cart breaking. A black girl that is believed to have been a servant, as well as two other girls drowned. Many stories circulate that these girls swing on the swing set on the grounds, can be heard playing and laughing, and can even be seen looking from the windows of the house on the grounds. 2. On Ghost Hunters, a shadow was documented on film moving on the top level of the stairs inside the lighthouse and even in front of the window in the lighthouse. It is believed that this is a spirit of a light keeper that tragically fell from the structure. In addition to this, a woman's voice was also recorded in digital audio recordings that the TAPS Team took. The TAPS Team has determined that this area is definitely haunted and has returned to document even more occurrences. 3. Many different sounds have been heard in the Museum on the property. None of these sounds seem to be threatening. The employ