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Cell Mig
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Battery Chargers for Automobiles
Once upon a time, the battery charger cables would be attached to the terminals of your battery, you pressed a button, and you hung around for a bit. You would peek at the dial occasionally to assure yourself that you weren't overcharging the battery, and you shut it off at the exact time it was done.
Luckily, the charging operations have become much easier than they once were. Nearly every car has a 12 volt battery, and so do marine batteries and power sporting equipment. You must use a battery charger that is correct for your battery to extend its life and save money in the long run. If you fail to use the kind of charger that is suggested by your battery manufacturer, the warranty you have on your lead acid battery, AGM, or gel cell may be null and void. Using an improper charger can destroy your battery.
To determine which battery charger is the best one for the sort of battery you have, there are some things you must know. First of all, find out what kind of battery is in your motor vehicle, and find out how much storage capacity it has. Because your car battery is typically just utilized when starting your automobile, for lighting, and for your music system when your car isn't operating, and the battery recharges when the car is running, you may not think that storage capacity is that important.
The regular automobile battery can hold around 50 amp hours, while a marine battery may store 100 amp hours. Both kinds of batteries furnish 12 volts of electricity; however, if entirely dead, they will recharge for different quantities of time with a charger that carries 10 amps, say six to eleven hours, respectively. Be sure that the automobile battery charger you are purchasing has enough charging power to satisfy your requirements. If a charger has more power, the time that it will take to get your battery up to speed will be less.
Hopefully you can take this information with you on your venture into getting a new car battery charger for yourself or someone you know. In any case we at least hope you have had a pleasant and informative read of our work to bring you up to speed on the matter of car batteries and their associated chargers. Until next time, enjoy and good luck in all you do.
Mortgage Loan Approval Sometimes Need a Human Touch
In the mid 1990’s, the mortgage industry saw the credit score and its predictive power to assess a borrower’s ability to repay a mortgage step into the limelight as one of the most indicative factors for loan approval. After conducting statistical test after statistical test, Fannie, Freddie and Ginnie, the 3 big lending institutions, mandated that the credit score should be used in conjunction with manual underwriting to assess loan approval. Not too long after, automated underwriting systems (AUS) were developed that expedited and streamlined the underwriting process even further for lenders. A loan officer today simply inputs a borrower’s key information into the preferred underwriting automatic engine, such as his/her credit score, income, amount being borrowed, cash reserves, employment and housing history, and the value of the property. A response is returned by the underwriting engine recommending approval or denial for the loan.
If your loan receives a denial from an AUS, the buck doesn’t necessarily stop there. Life happens to people, and oftentimes it’s going to take a real live person understanding the nuances of a file to make an underwriting decision. That’s when your lender may suggest submitting your file to underwriting for a manual review. After all, not everything in life can be automatic, right?
A perfect scenario for a manually underwritten file would be someone who has no credit scores. No credit scores? Yes, it is possible. I’ve had customers who, being old school and always having paid for everything in cash, had never established traditional credit lines that reported to credit reporting bureaus. In a case such as this one, I had to submit non-traditional lines of credit to underwriting, something a machine can’t assess. This means I had my customer bring in bills he had paid on time for the past year to create a credit history. Typical ones used are car insurance, utility bills, cell phone bills and cable bills. You can expect to have to provide 3-4 different trade lines if you haven’t established a traditional credit history and score.
“The most typical reason we see a file submitted to us for manual underwriting is for either no credit score or an error reported on a credit report,” reflects Patricia Haynes, onsite Government Underwriter at Mortgage Investors Group. “For instance a judgement that doesn’t really belong to the borrower. Maybe it’s really Dad’s judgement reflected on the son’s report because Junior and Dad have the same name. That’s when I can overwrite an AUS decision because I have the documentation to support my decision to do so in front of me.”
Another very common reason to submit a loan for a manual underwrite is when your customer’s credit score is below 620 and gets an AUS denial. If this is the case with your loan, be prepared to provide more than average documentation about your credit history, as well as written explanations as to why your credit score has suffered recently. Maybe two years ago you had a financial meltdown due to a medical illness, but in the last twelve months, you can prove you are back on your game and have been repaying debt. However, your credit scores haven’t exactly caught up with your actions. An underwriter is going to piece together the different aspects of your file and see if it makes sense. Your home lender should be able to review your file and guide you as to what documentation an underwriter will want from you to grant you loan approval.
Naturally, if your credit score is really low and you have very little explanation for your state of credit affairs other than you failed to pay your bills on time, don’t hold your breath for loan approval. An underwriter can see through smoke and mirrors. After looking at files as long as they have, they can basically sniff out a loan that has merit from the ones that are too risky.
So, even as our world gets more and more automated every day, it’s nice to know that you can’t replace genuine common sense, even in the mortgage industry. And it’s nice to know that you can plead your case for credit worthiness to a real live human being.
About the Author
Kristin Abouelata / Mortgage Investors Group/Loan Officer
1-800-489-8910
Kristin.abouelata@migonline.com
Let My Experience Work For You!
Email your home loan financing questions to Kristin Abouelata, Home Loan Specialist, at question@kristinmortgage.com or call direct: (865) 567-0113 Toll Free: 1-800-489-8910. For more information visit her website at www.kristinmortgage.com Home Loans Plain Talk.
How many of you know about MXIT or MIG 33?
its a chatroom but its on your cell do you know of it?
I don't.
Franklin County area police log
THEFT FROM MOTOR VEHICLE: A Chambersburg man reported that someone stole the license plate and a spare tire from his vehicle at some point in the past three weeks.
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