Fannie Mae Conversation

She dialed the number. “Park County Realty, Vern Wilson speaking” the voice answered. Cheyenne identified herself and the property of interest. “Is it still available?” she inquired. “I’m sorry ma’am, that property is under contract just this morning. But I do believe a similar and even nicer property will be available soon. It’s across the valley a little bit and it’s really nice. I believe the asking price will be about $85,000.” Cheyenne asked if there were more similar properties available in the area. “Well ma’am, out here, “in the area” is a relative term. If you don’t have to be right in the valley, there are several others available in similar price ranges” the agent said. Cheyenne clarified her requirements and the agent affirmed “Yes ma’am, I think most of them would fit the bill.” “Let me get back to you in a few days. I would like to schedule a trip to see the properties” Cheyenne told him. “Just let me know when you’re coming. I will sure be delighted to show them to you ma’am” Vern replied. As she hung up the phone, Cheyenne felt as though she could conquer the

On August 06, 2006, via telephone, Partner-D made the initial call to Partner-W as suggested by Goodfriend. Partner-W introduced herself as a licensed mortgage broker, working for Company-C, and that she was successful at finding affordable housing without the use of a real estate agent. Party-W was certain there were plenty of people to rent out any property obtained; that buying in the area required minimum down; a profit would occur within a year and the house would pay for itself. During this event, PartnerW was using interest-based persuasion (Shell et al., 2007) while at the same time, used the power to educate (Ury, 2007). Partner-W started out by identifying Partner-D’s interest and/or purpose for buying property, which was clearly defined (Fisher et al., 1991). And it was further determined, by the use of integrative bargaining, it would be a win-win situation and would create a shared goal for mutual gain (Fisher et al., 1991). Partner-D would be gaining extra income; and Partner-W would gain commission for the sell of the property. Partner-D went to the balcony to think about the information provided (Ury, 2007). Overall, the idea seemed like a good idea and Partner-D felt she was in good hands

We got into an RV and I was explaining to him what I was looking for. As a disclaimer, I wasn’t wasting his time or taking him from a real sale. I am considering purchasing a 5th wheel to live in for a couple years once my divorce finalizes this summer. Anyway, while I was whispering to him what I was looking for and price range he did stand within 2ft of me. That was as close as he got. From there he would lean in from the shoulders up, and I heard “excuse me” quite often. While interacting with the rep, my son called. I excused myself to take the call and when I answered I used my normal voice. The confusion that hit this males face was radiating, and from there you could tell he was getting very nervous. After getting off the phone I notice he increased his distance and I noticed he had a wedding ring on. He no longer seemed interested in selling me an RV, but more in getting me out of there. The conversation was steered from ‘we can work on financing’ to ‘let me know when you’re ready’. In fact, I had to ask him for his card and he seemed somewhat reluctant to give me one. I decided at this point to let the poor man off the hook, so I did tell him why I was whispering and assured him that I was indeed considering purchasing an RV. He didn’t seem amused but he did seem somewhat relieved. His face relaxed, he let out a long breath but his eyes were scrunched and

I spoke with Lucy Olivarez about the manufactured home. She listened thoroughly and patiently to my inquiry. She paused to reference the property file and politely informed me that it was still available. Although Lucy noted that it needed a good deal of work, she was encouraging about its potential. She stated, "There are many others out there then are definitely worse." Lucy was nice but made no effort to build rapport. Our conversation throughout the call was professional and

The buyer’s inspection report noted that these issues were unconfirmed and that additional investigation was required before any conclusions could be drawn. Furthermore, Rong sent several emails to me asking if we had any knowledge of mold or floods. I decided increased transparency was the best way to elevate the buyer’s concerns so I provided a copy of an inspection report conducted by one of the previous potential buyers which gave the house a clean bill of health. Rong even called the realtor who represented that buyer and independently verified the condition of the property did not play a role in the subsequent withdrawal from escrow. This phantom menace became a focal point for the buyers, an issue for which there was no basis in fact yet considerable reliance.

I spoke with David Cooper regarding the home. He listened thoroughly and patiently to my questions. David informed me that the home was "Active" and that there were no present offers. He was upbeat when noting that the home was in very good condition with fresh paint, and new carpet, vinyl, kitchen appliances, and new decks. Although David was nice, he made no effort to build rapport. Overall, I found him to be mannerly, familiar with the home, and a professional

Pat was very frustrated because she wanted to purchase a home but lacked the funds or credit to do so even though Pat was expecting shortly to receive a one-half million dollar final installment payment for some land she sold several years earlier. Dan knew that Pat was very interested in purchasing a home and approached Pat with a proposal to assist Pat in buying a home. Dan told Pat that he would help Pat with the financing. After finding the home she wanted to buy for $250,000, Dan and Pat orally agreed that Dan would purchase the home and "when you come up with the money, I (Dan) will sell it to you (Pat) for $250,000 plus a fair commission to be determined."

The Truth in Lending Act (TILA) protects one against inaccurate and unfair credit billing and credit card practices. It requires lenders to provide you with loan cost information so that you can comparison shop for certain types of loans. People have a right of rescission for loans covered under TILA, which allows you three days to reconsider your decision and back out of the loan process without losing any money. This right helps protect people against high- pressure sales tactics used by unscrupulous lenders. Companies that would lend you money are under certain obligation to provide you basic information about the loan in clear and understandable terms. The most commonly

Luke has been asked to work on a project that involves developing land recently bought by ABC to build an adult entertainment retail store. According to the plan, Luke’s brother, Owen, whom he is very close to, lives in the neighborhood that the adult entertainment retail store plan will be built. Luke knows that as soon as the plans for the store become public, the property value of the homes in Owen’s neighborhood are expected to decrease significantly. Luke is concerned about his confidentiality obligations to the company. Owen has openly expressed to Luke that he has thought about putting his home on the market for sale; this is concerning for Luke. He knows that Owen has received and acceptable offer for his home already, but wonders if the market for real estate in the area will increase in the next few years.

“Hey, (y/n), you kept saying you were worried about spending all your money here?” Michael checked with you.

The reporter received a call from Ms. Merriweather on 09/01/15 stating on 08/31/15 her daughter told her that her father has forced her to have sex. The reporter met with Fannie but the child was withdrawn and did not disclose much information about the allegations. During a meeting with the child on 09/01/15, Fannie told Ms. Reed she did not want to discuss the issue but told her it happened once; the specific details are unknown. It’s unknown when the child last visited her father but she last had contact with him this past summer. Fannie lives with her mother primarily and has occasional visits with her father. It’s unknown if Fannie has been taken to see a doctor at this time but her mother mentioned she will be taking Fannie for an examination.

Paxton had called with a couple questions. Question one had to do with verification that the IRAs that they were contributing to were non-deductible. I assured him that they were. He had said that he’s having an accountant prepare their taxes this year, Kevin McAdams, he thought with a firm called Tellaco (SP?), that was referred to him by David Lavelle. We discussed the retainer that he had provided to the attorney for the RVU evaluation, and wondered how to proceed since nothing had ever come of that. He said then that he was having, he and Jig, were having a conversation today with Jeffery (SP?) Liebman, Methodist University Hospital CEO about compensation, and that depending upon outcome of that conversation would determine what he

The 13 million people who live along the United States - Mexican border1 face unique health issues and disparities than their northern and southern residing counterparts. Access to health care is a great health determiner for the many foreign-born residents living in the United States, especially for undocumented immigrants2. The topic to be addressed in this review will include current health issues and accessibility of care for the people living along the US – Mexico border. This study will include infectious diseases, substance abuse as well as issues facing women and children. The combination of many social factors including increased poverty and drug use, limited healthcare and low self-efficacy are all impacting the rates of

The time period from late adolescence to the late 20s thus relates to both social-role changes and biological development (Djordjevic, 2010). Additionally, how capable an individual is able to manage these transitions is most likely to influence and be influenced by, mental health (Schulenberg & Zarett, 2006). The greater self-selection and reduction of institutional support during emerging adulthood seem to be good for most individuals, but may also be debilitating for those of who it jeopardizes to overwhelm their coping-capacity (Schulenberg & Zarett, 2006). However, possible strain from the major transitions of emerging adulthood do not necessarily have long term effects and may result only in momentary disturbances (Schulenberg & Zarett,

As children, we have always turned to our parents or guardians to consult them about our personal decisions. They handled our doctor appointments, signed our field trip permission slips, and provided us with groceries and transportation. However, as teens progress closer to 18, the legal age of adulthood in the United States, they tend to encounter urges to break the ties with their parents in order to handle responsibilities on their own. Why must there be a certain age when a person is fully free to make independent decisions? Why are some rights and privileges given before and after the legal age of responsibility? There is a solid answer to these questions: education. In the US, it is mandatory to attend school until 18. Adulthood should