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Do you know what it takes to qualify for mortgage and refinance loans? There are several factors involved with qualifying for a purchase nike air max 90 hyperfuse baratas , refinance or equity line of credit, and having an in-depth understanding of these could make the difference in you being accepted or turned down by a bank loan officer.


Here are some things loan underwriters use in seeing if you qualify for a loan: your credit rating; your income; the amount you wish to borrow vs. the value of the property, this is known as loan to value or LTV; your assets; cash on reserve to cover down payments and reserve funds to cover a few months worth of mortgage payments, in the event you can't pay for an indefinite period of time; your employment history.


Most people worry about credit, even people who have excellent credit. Credit is such an unknown. Put your mind at ease. You can purchase a house with poor or no credit at all. In fact, with a poor credit rating and only 3 percent for a down payment nike air max 90 ez baratas , you can get an FHA loan. FHA is not a credit score driven program, so you can qualify this way if you have to do so.


If you have excellent credit, the lending world is wide open to you. You can put very little -- even no money down -- and still get a great interest rate. Excellent credit also gives you the power to take 100 percent of your homes equity at the prime interest rate, making interest-only payments, which is a very powerful thing.


Work history is also an important factor, as most lenders want to see two years of consecutive employment nike air max 90 baratas , although good mortgage professionals have programs that will get around this guideline. If you are purchasing a house, you'll need what lenders call "seasoned funds" for your down payment. That is, they have to be in your account for a set amount of time (usually 3-6 months).


When you are ready to get a loan, be sure you have assessed all of these factors, even before you mortgage professional does. Put all of the documents that verify your income and your assets together and have them ready to show to a banker, upon your visit. Be proactive and your chances of qualifying for any loan will improve.

This article relates to the Culture & Climate competency nike air max 270 baratas , commonly evaluated in employee satisfaction surveys. AlphaMeasure defines climate as the effect an organization has on the employees, while culture refers more to the acceptable behaviors, attitudes, and habits of the organization as a whole. Some relevant topics include employee values, attitudes, and morale throughout your organization. Knowing and understanding workplace culture and climate leads to a better understanding of what factors influence employees. In relation nike air max 2018 baratas , the level of service your customers receive is almost always influenced by the culture and climate of your organization. Evaluating this competency can be especially useful if your organization is experiencing customer service related issues or problems working together internally.

This short story, Creating a Culture of Empowerment, is part of AlphaMeasure's compilation, Tales From the Corporate Frontlines. It tells about the effects of a negative culture on nursing home residents and what was done to turn things around and create a better culture and climate in the workplace..

Anonymous Submission

I transferred into my current position as manager of a small nursing home two years ago. After my first meeting with the frontline caregivers---nursing staff, orderlies, etc. nike air max 2017 mujer baratas , I was very concerned. The caregivers were clearly unhappy in their positions. They liked their work, they enjoyed caring for the residents, but there was some other factor at work here, creating a climate of uneasiness and a culture of apprehension in this small and close-knit group residence.

I spoke with various residents. They were concerned as well. They felt that they were receiving good care, but many mentioned an unhappy mood that continued day to day. It affected some more than others, and they expressed a wish for brighter nike air max 2017 hombre baratas , more upbeat surroundings. A long time resident told me that things used to be different, and she had felt much better, physically and mentally, when her nurses and aides were happier.

That, in a nutshell, was what troubled me most. Anyone involved in health care knows that patients nike air max 2017 blancas baratas , in this case nursing home residents, are much happier and healthier and make better progress when their caregivers are satisfied in their positions and careers.

I decided to conduct an employee survey, mainly for the caregivers, to give them the opportunity to vent. I hadn't been able to find out much verbally, so I hoped that the survey would give them the opportunity to reveal the sources of their discontent. Then we could proceed to improve the situation.

Among other issues, the survey results revealed that morale was low because the staff felt stifled by regulations. The rigid rules needed to be examined and perhaps modified to empower caregivers to a greater degree. They were more satisfied when they felt able to improve the quality of life for their patients.

Some other solutions we used to change the culture included:

* Providing educational opportunities for caregivers to update and expand their skills

* Adopting a new conflict management policy - developed with extensive caregiver feedback

* Reevaluating our financial policies to free up funds to hire more caregivers to ease the burden of understaffed areas.

As a result nike air max 2017 azules baratas , we were able to e ngage our caregivers in creating a workplace culture that emphasizes the value of each human being and a climate of respect. The caregivers are satisfied, and the residents are happier and healthier.