February 2009 – Page 35 – Realniches.com

An Independent Commercial Mortgage Broker Can Be Your Best Ally

Traditionally, people when they needed to avail of the services of a good commercial mortgage broker would generally turn and look to a big financial institution or even to a reputable commercial mortgage brokerage firm for help. The reason for this is that these sources are well known for the good quality of service provided, especially when compared to the type of service provided by lesser well-known and decidedly smaller sized firms.

Necessary Resources

A big financial institution or a reputable commercial mortgage brokerage firm will have the necessary resources in terms of manpower as well as facilities and this means that the staff working for such firms would be in a stronger position to provide more complete and effective service. Nevertheless, not everyone can afford or wants to use such resources to hire a good commercial mortgage broker.

People whose needs are small and who prefer more personalized as well as intimate service will seek out a commercial mortgage broker from other sources, most notably from smaller sized companies and will also want to deal with independent individuals.

Independent commercial mortgage brokers provide numerous options since they have access to the best options in regard to suitable mortgages; the reason being that they know that large sized banks and brokerage companies only deal with large amounts of mortgage loans. Therefore, an independent commercial mortgage broker will be able to help you, a small borrower, affect bigger savings by using their intimate knowledge about mortgage loans to point you in the right direction.

Another useful service provided by an independent commercial mortgage broker is that they can tailor their service to fit in with your exact requirements. Also, they will only earn their money after the deal has been closed and this means that you get to save money on your transaction while the commercial mortgage broker is motivated in finding the best deal for you and in the shortest possible time.

Mortgage broker licensing is necessary for a mortgage broker wishing to practice mortgage brokerage in a state and in order to obtain this license a prospective broker will need to obtain what is known as a mortgage broker bond from the state in which he is planning on plying his business.

For those people that need tailor-made as well as more personalized service, then their best bet would be to check with independent commercial mortgage brokers rather than waste their time and money in paying more to get the same service from a big financial institution. Because there are many small borrowers who either cannot afford or do not wish to deal with the bigger players, the independent commercial mortgage broker can prove to be an able ally and one that will readily shop for a low interest mortgage loan on their behalf and so in a simple way will prove to be a big help and at an affordable cost.

Passive Solar Heating: Why You Want to Make the Switch

Maybe you have decided that you want to move ahead and make the switch to passive solar heating, or you are just considering it because you think that it sounds interesting. Well either way, there are a few things that you are going to want to be aware of. It is always important to get as much education as possible on something before going through with it concretely.

The same goes for passive solar heating, so no matter where in the world you live and what sort of home you may have, here are a few important issues that you will need to tackle first.

The Benefits

Of course before you go ahead with a passive solar heating system for your home, you are going to want to learn about the different benefits that are offered to you here. Well there are quite a few, but there are two in particular that most people are concerned with and these are the cost-effectiveness and the environmentally friendliness.

Let s start with the financial side of things. When you use passive solar heating to power your home, you are going to be saving yourself a great deal of money. Now you are going to have to put out a bit of money initially of course in order to get the solar panels and other parts of the system, but after that it is quickly going to more than pay itself off.

This is important to take into consideration when first getting started because in fact, one of the reasons that so many people are worried about switching to passive solar heating is that they are worried that they are going to be spending the same amount of money if not more.

Another benefit of passive solar heating is the reliability that it offers. Because solar power is always readily available, you will never have to worry that it is going to run out. Then of course there is also the fact that you are being environmentally friendly. Whereas with other means of heating and cooling you are relying on fossil fuels, with the solar heating you know that you are being eco-friendly and doing your part for the environment.

These alone are more than enough benefits and which you would think would be enough to let you know that you should make the switch to solar heating for your home but there are plenty of other reasons as well.