Complete the offers that are sent to you. The shopping certification offered in advertising or unsolicited email is almost always worthless. Consumers who try to get a refund from promoters of mystery shopping jobs usually are out of luck. Disregard such promises they are worth nothing and offer no protection. FDIC requires banks to make money from cashiers, certified, or tellers checks available in one to five days. More potent form of the con game is an updated version of the reshipper scam.

Others choose impressive sounding evocative names that roll satisfyingly off the tongue. Since wiring money is sending cash, treat it that way. If you are a reliable, articulate, observant person, we invite you to join our thousands of shoppers by applying now. Consult our Frequently Asked Questions for applicants section for answers. Use our LookUp feature to check your status. Is a charter member of the Mystery Shopping Providers Association. We have been in business over a decade. There is no charge to become a shopper and you do not need previous experience. If you are one of our Mystery Shoppers, please use the login form in the box above.

Fill out the form on the right. Sign our NonDisclosure Agreement on the following page. There is no charge to apply to be a shopper and information is protected on our secure site.

Home Mortgage Rate Shopping Why Some Shoppers Give Up And Others Dont
By: Mark Askew

About 29% of current homeowners and a much larger percent of consumers with income levels above $50000 feel it best to stay as far away from offers to finance or refinancing their home as possible. And this seemly for good reason. Trying to get a great deal on a mortgage loan or shopping for low rate refinancing can be a pain in the neck and a complete and total hassle for most of us. Whats worse when we think weve found a great offer were made to feel like a heel when we start asking questions about rates points and fees.

But of course their making us feel like a heel is all a part of the game right

The fact is many large transactions make it to the closing table under duress an urgent need to relocate or the pressure to relieve oneself of heavy debt obligations. Aside from these factors most of us just arent motivated to make changes on a financial basis even if means risking sustaining our present way of life.

Ignorance Is Bliss Until...

Often the real reason behind not being motivated to make major home improvements or lower ones mortgage rates to something more reasonable may very well be the bliss of ignorance. That is to say the bliss of simply not knowing how. Not knowing how to finding the right loan. Not knowing how to find the right lender. Not knowing how to lower ones rates or how to eliminate all the unnecessary red tape. Not knowing how to tell a predatory lender from a lender who actually has your best interest reflected in his closing documents. Not knowing how to accelerate the loan process. Its no wonder we dont know how to approach these issues most of the news articles and periodical we read dont address these needs and issues with enough depth to achieve the desired results.

The sad thing is when we finally decided to look into doing something about it all we get fed is a bunch of hot air from folks who cant wait to get their grimy hands on our money or worse hour home. So we sit and we wait until the pretence that we are protecting our assets runs thin. While we wait and do nothing we are confronted with the fact that while everyone elses home is appreciating ours may actually be depreciating not to mention the need to address all the mounting credit card debt and those bills that seem to be piling up daily. Yes ignorance is bliss until the roof caves in or the termites take a bite out of that untreated deck.

Knowing Is The Best Motivator

We must admit at some point in time that protecting our assets can be better accomplished

when we know exactly who and what were protecting them from in the first place. And that would be our creditors the termites and above all ignorance itself.

Getting to know our financial situation better as well as our options for improvement may actually help us protect and maintain what we value most our way of life.

From Borrower To Investor

According to The Mortgage Loan Search Network an online informational resource at www.bcpl.net/ibcnet the key to protecting our assets is allowing their value to reach its full potential. That is to say when our money and other assets increase in value and start to make money we are in a better position to maintain what weve worked so hard to acquire.

That said when one must opt for a home equity loan or cash out refinance loan in order to make necessary improvements in the home or invest in a business or pay college tuition costs the borrower in fact becomes an investor. The money borrowed is being used to bring in a greater return. With that in mind a site called LowMortgageRates at www.lowmortgagerates.cc. lists a number of ways to borrow cash reduce mortgage rates while lowering mortgage payments increasing ones home value and creating an income stream to offset debt and eventually eliminate most if not all debt over a shorter period of time.

Getting To The Bargaining Table

Still the questions looms how do you find the right loan the right lender lower your mortgage rates eliminate unnecessary red tape avert predatory lending schemes and accelerate the loan process According to one mortgage rate shopping site much of this can be handled in the following ways:

1. Work with your current lender. All your loan documents are already on file accelerating the loan process.

2. Get recommendations of good reputable credible lenders from respected trusted sources such as family members friends and coworkers.

3. Ask recommended lender for references from satisfied customers.

4. Get several low mortgage rate quotes using online tools.

The low mortgage rates network at www.lowmortgagerates.cc presents foolproof methods of screening lenders and getting the rates you want quickly and painlessly. For example the site suggests that when youre ready to step over to your current lenders bargaining table bring along low mortgage rate offers from other lenders such as those found online. This will motivate your current lender to meet or beat your best offer.

Ignorance is only bliss until the unforeseen overtakes us. After that we either kick ourselves for not knowing or we smile warmly and proudly for having taken the time to learn how to protect our valued assets and way of life.

Mark Askew is the founder of the LowMortgageRates Network a mortgage and home refinancing information resource for low mortgage rate shoppers located on the web at http://www.lowmortgagerates.cc


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