I am interested in unique approach of

Mortgage Only lending * for Builder Based & Originated  Mortgages 

(by builder & for new sales construction only)

 

I am interested in offering Permanent 15  to 45 years min,

Income Fixed, Fixed Rate for min 15 years,

Mortgages with Residential Requirement restriction.

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Income Fixed Mortgages ~ what does this mean? You can borrow $500K, even if your income is only $45,000.00 a year, but you will have to auto deduct fixed monthly payments from separate account connected with your paycheck, as long as you are employed. Your monthly payment will always be based on your income. So you will never lose your house. This way bank can prevent foreclosure completely.​

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For the Bank, "Transferability" means automatic acquisition of new clients & markets, plus possibility of change of interest rate % with

re-mortgaging in a new state, based on the cost of living. Anti-Monopoly Law is not infringed here, because buyer is not forced

to use the transfer option, but only offered. 

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I want to strickly service it within my own bank. No re-sale or subprime. It is always good to begin with checking legal requirement for initial capital funding & begin to fundraise, if you don't have enough. In USA minimum base capital funding requirement is $20M.

 

Sometimes, It may be cheaper to acquire less successful bank

or lending firm. You are buying a clients base plus existing debts.

But, in most cases, actually finding capital investors is better, if you want to be & build your own unique brand. In case of the acquisition of another bank, you should bring up & re-balance capital & equalize profits, by offering every existing client, a lower rate refinancing with at least 15 year extension.

 

This will give you ability to change the legal contracts term without breaking existing once & offer more stable payout based on your

own new term. Remember your goal is to have a Mortgages as Fixed Income Based.

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Remember this is most competitive business in the world.

So it is dangerous. Make sure you have a good team to back you up.

 ~ Marina V. Parrish

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"Crypto (short for cryptocurrency) is a new form of digital money powered by cryptography. It all started in 2008 with Bitcoin BTC.

You could use it to send funds to anyone anywhere globally. What made crypto different from normal bank transfers or other financial services like Paypal or Alipay is that there was no middleman for

the first time. Transactions directly connect sender and recipient without having to deal with any central authority. Nobody else will have access to your funds and nobody can tell you what services

you can use. This is possible because of the blockchain technology upon which cryptocurrencies operate". ~ READ MORE

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Is Bitcoin a Good Investment idea?

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"If the upward trend continues until 2025, it could reach $78,631.64 and BTC may profit. If the market experiences a decline, the goal

may not be met. BTC is expected to trade at an average price of $71,891.79 and a low of $67,398.55 in 2025." ~ READ MORE

This can be handled as a collaboration with IRS, to be offered

as a auto-deduction on a paycheck. Employer, at this case, would provide an affordability rating to the lender, before the purchase,

as well as affordable monthly payments amount to be deducted.

If this offer satisfies the lender, sale will be processed & loan approved. Making the profits more stable by being guaranteed.

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Or, this can be a part of the Private Benefit package, offered by the employer, like a Union Benefit, for example. You can also deduct the property taxes from the paycheck, for auto distribution. As the employee salary increases, employer can offer an employee

option of volunteer payment increase for faster payout, or not. 

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How does this system  benefit the employer? Stability of the high quality experienced staff;  no strikes; less possibility of espionage; more guaranty of the brand quality & profitability. 

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Selling Point of this idea for the client base "who hate restrictions", can be approached as an offer of their payment being "always fixed,

at least for the duration of the first 15 years, with no exception.

 

"Most valuable part of this mortgage is a Long Term Affordability.

It is almost as offering "Controlled Rent option for 15 years" & "get

a present of the Deed one New Year". You never have a headache to remember to pay on time or worry about being late, you won't even notice your payments."

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Residential Restrictions on your contract mean: if you chose to relocate you would have to payoff the home with sale, or select a new property in our service area of an equal value. In this case you will be able to transfer the mortgage to the new location without a headache. In most cases it will give up to 45 days in non-payment state bonus

for buyer, while all paperwork is done. This is one of the UNIQUE BENEFITS of this MORTGAGE it's TRANSFERABILITY.  I want to make it in-house only & not-resellable, but only transferable to new state/market area.

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When you buy your house for the first time you will definitely know  ~ you never have to worry about being stuck in one place or loosing it. You just chose new home in new state, pack & leave. 

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P.S: I think, United States, need to consider a High Tax Economy Model

of Sweden or Switzerland, with the taxable income at 49%. Then use tax money to fund & improve the quality of infrastructural changes, public education & healthcare. 

 

 

ZRX is an Ethereum coin used to power the 0x protocol and

is one of the more decent digital assets. The 0x protocol itself allows Ethereum tokens to be traded at a low cost directly from an Ethereum wallet. These two features – Ethereum-based tokens and Ethereum smart contract- has given the cryptocurrency market bullish momentum in the previous months. Let’s observe ZRX price predictions as communities navigate through the current crypto winter.~ READ MORE

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​Is OX a Good Investment Idea?

​

​ZRX Price Prediction 2023-2031

ZRX Price Prediction 2023 – up to $0.34

ZRX Price Prediction 2025 – up to $0.73

ZRX Price Prediction 2028 – up to $2.21

ZRX Price Prediction 2031 – up to $7.08

"Launched in 2015, Ethereum ETH builds on Bitcoin's innovation, with some big differences. Both let you use digital money without payment providers or banks. But Ethereum is programmable, so you can also build and deploy decentralized applications on its network." ~ READ MORE

 

​Is Ethereum a Good Investment idea?

​

​ "According to Changelly, the least expected price of ETH in 2025

is $7,336.62, while the maximum possible price is $8,984.84. ​Ethereum Price Prediction 2030.

 

Changelly also argued that the price of ETH in 2030 has been estimated by cryptocurrency specialists after years of price monitoring. It will be traded for a minimum of $48,357.62 and

a maximum of $57,877.63.

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​So, on average, you can anticipate that in 2030, the price of ETH will be roughly $49,740.33."