Mirjam Rietberg Financial Advisor's Blog

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How many times have you thought of not hiring a mortgage broker? You might want to save the origination fee. Many people think that a mortgage broker will add costs to the deal and, therefore, increase the expenses. Adding, some people also think that it’s the mortgage broker’s job to negotiate until he gets to the best deal. Are you one them? Are you confused about hiring one? Are you wondering why mortgage brokers ask so many questions? Keep reading.

First of all, a broker works on a commission basis that is according to the industry norms. Usually, he/she gets a percentage of the loan amount, which is paid by the borrower or the lender, or both of them. This is according to the industry norm, and no broker charges more than that. The job of the mortgage broker is NOT to negotiate until he/she gets you the best deal in the market. Instead, Investopedia defines a mortgage broker as –

“An intermediary who brings mortgage borrowers and mortgage lenders together, but does not use its own funds to originate mortgages. A mortgage broker gathers paperwork from a borrower, and passes that paperwork along to a mortgage lender for underwriting and approval. The mortgage funds are then lent in the name of the mortgage lender. A mortgage broker collects an origination fee and/or a yield spread premium from the lender as compensation for its services.”

A mortgage broker, as per the definition, is an intermediary to hand over your paperwork to the lender. For this reason, you might find your broker asking you many-many questions.

Further, while a set of questions is asked in order to know your financial condition, some of them will be completely off the financial aspect.
A mortgage broker makes sure there is no fraudulent. In case they submit inaccurate documentation, they have to face claims against them. This makes it more necessary to question and then requestion until things are confirmed. Here are some questions you will be asked-
* You’ll be asked to provide a proof of identification and details about your income.
* You’ll have to provide the mortgage broker with details of your spending habits.
* How much amount can you afford to borrow as per your financial condition?
* Are you involved in any lawsuit?
* Have you ever been bankrupt?
* Where you used to live five years ago? (completely off the financial aspect)

USA mortgage brokers may often come back and ask you for more information. No matter how overwhelming or bothersome, you may find it, consider it as an extensive questioning for good reasons. For anything you need, pertaining to loans in USA, the finance brokers are ready to help.

Retirement plans are a key part of your divorce settlement but they are an issue for either party. Retirement plans can be divided under the typical division of property in a divorce, if a judge sees fit to do so. In order for the division of retirement plan assets set forth by a judge in a divorce decree to become active and valid a must-be set up in what’s known as a qualified domestic relations order.

The qualified domestic relations order has to be set up to benefit an alternate payee and a new proposal from the Department of Labor could open up new opportunities for those who are not presently covered under an employer retirement plan.

The former director of the Pension Benefit Guaranty Corporation has deemed that the most significant retirement security staff in the last 60 years. States would be exempt from ERISA regulations and could create auto-deduction state retirement plans, so long as these plans are voluntary and allow opt-outs. Very much like college savings plans, either third party administrators or states would act as fiduciaries with no limit on the amount of plan for to accumulate. If you have questions about the current division of retirement plans that could impact your divorce, it is important that you consult with not only a family law attorney but also a qualified domestic relations orders expert.

Your family law attorney will likely have some understanding of the issues at play, but not a comprehensive overview of the main concerns in your case. This is why you need someone who has expertise in reviewing QDROs specifically. This can save you time and frustration by hiring the right person the first time.

A specialist in the field of qualified domestic relations orders can review an existing order before it is sent to a plan administrator to determine where there are weaknesses or areas that could be clarified. Identifying these challenges early could lead to a higher success rate for the plan being accepted by the plan administrator and it can also make your life easier by pointing out problems or flaws that could be easily fixed with new wording or better determinations. It is essential that you consult with someone who has experience in the field of qualified domestic relations orders because what seems like small mistakes now could prove out to be big problems down the road. Find someone who has analyzed documents like this before to have your qualified domestic relations order evaluated before it is sent on to the plan administrator and then the judge.

Qualified domestic relations orders demand thorough preparation and focus, the lack of which can undo intent. This is why more and more individuals are choosing to hire a qualified domestic relations order expert to review their documents before it is submitted to the plan administrator or the judge. Small mistakes made when your qualified domestic relations order is drafted could lead to problems down the road.

The presence of multiple retirement plans demands careful wording and the date of valuation of those plans is one thing, but the date of QDRO execution, which is typically 60 to 90 days, is another in terms of timing and accuracy. Accounting for gains and losses after the valuation date may be hard enough but made even harder yet if the dollar amount a spouse is to receive, say $40,000, exceeds the total of any plan. If the two of them together are $10,000 and $15,000 meaning they are too small to be taken into account for gain or loss.

Another mistake can be ignoring loans because a loan due can reduce a plan below the amount low enough that equal division violates the spouse share based on the original higher total. Furthermore, what about taking into account loan payments made in the interim as the QDRO is being drafted? This is why it is imperative to have as much information as possible when you are putting together the qualified domestic relations order. Having an accurate perception of the account as well as information about any money that has been withdrawn from the account can be crucial for your own success. Do not hesitate to get all of the details straight and hire a qualified domestic relations order expert to help you with this process.

The good news about planning with your retirement accounts subject to ERISA after a divorce is that if you engage someone who has experience in this field, they can all be easily avoided. Although some people do still face challenges because they have not hired an experienced qualified domestic relations order expert, you can skirt these problems by identifying someone to serve in this role sooner rather than later. Make sure you reach out to someone as soon as you believe that the division of one or more retirement plans will be a part of your divorce so that you can get all your questions answered and have a clear idea of what to expect next.

Debt is a touchy subject – usually uncomfortable to discuss in the best of circumstances and excruciating when your financial situation isn’t the best. When people are facing dire straits from extreme amounts of debt, they could possibly be candidates for getting relief from debt settlement.

Did you know that you have a perfect right to call a creditor and negotiate settlement terms with them? Settlement is often much preferable to the debtor filing for bankruptcy which can mean that some creditors would not receive any payment at all. Most people, though, aren’t willing to enter into these negotiations themselves – feeling like they would not be able to get the best deals done on their own.

This is where a debt settlement professional can be of service. The skilled debt settlement professionals from Debt Solutions are ready and willing to help anyone who needs help reducing their total debt and finding a way to make manageable payments. These debt management professionals know how to negotiate with your creditors to your best benefit, securing a real chance to repair your credit and look forward to a better future.

There are multiple studies that show financial trouble to be a leading cause of stress and strain on individuals and married couples. Figuring out how to get out from under enormous debt, reducing the amounts owed to multiple creditors, and coming up with a payment schedule that can be workable are all tasks at which Debt Solutions excels.

At ILK Debt Solutions, they understand that it is very easy to get snowed under by debit – especially in today’s borrow-heavy society. Even if you are living within your means, emergencies happen – life happens. Unexpected bills can come at you from any direction and once the snowball starts, it can seem impossible to get it stopped. Just like an avalanche, debt just takes over and you are left unable to breathe or dig your way out on your own.

The best thing you could do is contact debt solutions company and talk to them about your situation. Let them help you determine what the best course of action might be depending on your unique circumstances. They can look at your income, what you owe and who you owe it to, and help you using their effective debt negotiation services. You don’t have to drown in debt – there are ways to take care of the problem that will leave you more stable, secure and able to repair your credit history in the process.

Don’t wait any longer to take care of your overwhelming debt problems. Talk to a professional debt management specialist at ILK Debt Solutions about your debt relief solutions and start breathing again.