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American Independent Mortgage

The American Dream? - FULL LENGTH

You are being robbed before your very eyes! Do NOT allow this to happen anymore! 1. The government borrows money from the privately owned Federal ...

Digital mortgages advancing, but borrowers still want more speed

Despite digital mortgage advances, borrowers think it still takes too long to get a loan, J.D. Power finds in its annual customer satisfaction ranking of originators.

The most frequently used method for submitting a mortgage application for both refinances and purchases was online for the first time, according to the survey. Forty-three percent applied digitally, up from 28% a year ago.

But satisfaction with online submissions declined 8 points and borrowers also gave online submission a satisfaction score 10 points below that of in-person applications.

"We're at a critical inflection point in the mortgage industry where new technology and the growing use of digital mortgage application channels has made it possible for the origination process to move more quickly; however, the customer is still the final judge of speed and quality," Craig Martin, director of the mortgage practice at J.D. Power, said in a press release.

"A critical element of satisfaction is setting expectations, and this tends to be a weakness of technology, which is demonstrated by substantially lower satisfaction among customers who do not work with a human to complete their application," he added.

The House just passed its big tax bill. Here's what is in it.

President Trump and GOP House Speaker Paul D. Ryan (Wis.) won a major victory as the House passed the tax bill Thursday, the central piece of the Republican plan to boost the U.S. economy. No Democrats voted for the bill. Ryan could lose 22 GOP votes, but in the end, he only lost 13.

The legislation would affect every American household and business owner. The bill was first introduced Nov. 2 and was voted on just two weeks later, leaving little time for analysis or debate on the  440-page  legislation. The next step is for the Senate to pass its version and then for both chambers to reconcile their substantial differences .

The main goal of the House's “Tax Cut and Jobs Act” is to lower taxes on companies in an effort to make them more competitive and discourage them from moving abroad. The bill reduces the corporate tax rate from 35 percent to 20 percent and the rate for pass-through businesses down to 25 percent (with some restrictions). Many families would also pay less, although Ryan has admitted that won't be the case for everyone . Here's a rundown of what is actually in the final version of the bill that passed.

How can a poor young American be independent these days?

I mean we got a bad economy and prices are going high. I am a green card holder, has a useless AA degree and works in a store for years. What will I do if I lose my job? The mortgage alone, is not half paid.


What is your AA degree in?? If there are no jobs where you are, why aren't you going to the jobs??

I have an AA in information technology. I couldn't find a job where I was - Pacific Northwest. I went to where the jobs are - East Coast.