Personal Statement: Gateway Mortgage Loan Assistant

I have had work experience in customer service jobs giving me skills, and the ability to work with different types of people in many situations. I pay close attention to detail and I am a very hard worker. I am friendly, punctual, and eager to learn new skills about early childhood development. I work well with others and have many ideas to improve the company. I am currently studying elementary education at Sierra College, and have taken courses pertaining to child and human development. I am also currently looking to obtain a CPR and first aid training certificate.

Real estate has always been extremely interesting to me, even at a young age, I knew that I wanted to make a career out of it. Initially, my interest was sparked by watching HGTV (Home & Garden Television) with my mother on the weekends. My fascination for real estate continually expanded the more I had the chance to witness all the amazing houses and beautiful designs on the television. My desire to be a real estate agent only grew from there on out. When I began attending high school, I wanted to take classes and join clubs that would help lead me closer towards my chosen career path. Therefore, I joined Distributive Education Clubs of America my freshman year. Through DECA, I was introduced to a multitude of knowledgeable skills relating

A good job is something everyone needs to have. It doesn’t have to be a doctor or dentist or any other traditional well-paying job. Your job should be something you enjoy and look forward to doing. To get a decent paying job you should go to college for at least 4 years. Although there is a couple lucky people who do or did okay without going to college. Mostly, nowadays people have to go to college to live well.

If you have considered applying for an FHA loan, then you should become familiar with the FHA requirements so that you know what to expect. There are plenty of good reasons to choose FHA over conventional, so whether you are a first time homebuyer, or you are wishing to refinance your current home loan, you can talk to a professional about getting approved for an FHA loan. The FHA loan requirements make it clear, that your first step is in knowing how much you can afford when considering buying a home. For this, there is a specific calculation that compares your current gross income to your existing debts in order to provide a maximum loan amount that you can qualify for. The guidelines are such that it forces to consider what can fit into your budget rather than focusing on what the maximum is you can borrow. Whether you are purchasing a home, or refinancing your current home loan, your FHA loan will be built around having a reasonable debt to income ratio, so what you budget for is important. The second step is getting qualified. In a sense, you will still have to qualify even for a refinance. An FHA loan is not necessarily based on credit score, but it is based on several factors. Pay history, job time, and income are all a part of what helps you to qualify. The FHA requirements want you to show that you have the ability to repay the loan. Your loan will be driven by the documentation that you can provide, such as w2 's, tax returns, insurance, and above all good pay

Now onto the HOLC- Homeowners Loan Corporation. The idea of the HOLC was to guarantee a safety net to homebuyers. The HOLC created a national standard for appraising the value of real estate and it decided the value of all types of properties- single family homes, empty lots, large estates, etc. However, this proved to be a dangerous venture because it often took ideas from social divisions to determine appraisals. Property values were linked to the race, religion, and ethnicity of the community’s inhabitants. As a result, The HOLC did not offer loan assistance to most African Americans, Jews, and other immigrants. Therefore, they deprived many of the opportunity to own property- an essential part in the American Dream. The HOLC set a dangerous precedent for the future of

Education. It is a vital source needed in order to succeed. Though many schools offer a basic education, there are not many that offer the advanced level of learning that ASMSA provides. While attending ASMSA, I hope to be taught at a higher level that better suits my standards. ASMSA will give me the prospect to learn at a level that I can use to challenge myself to better my future.

As stated in my personal statement, I was intuitively drawn to law as a system that requires a high level of logical and analytical skills, but my motive lies deeper in the belief that law as a powerful social factor can exert palpable impacts on the society. Throughout the course of my study, I have developed a strong interest in biotechnology and the health industry; it is my hope to pursue a legal education that will enable me to participate in and even bring changes to their regulatory systems.

The uncertainty of the world we live in today is what has largely directed me in my chosen leadership and academic pursuits thus far. This uncertainty includes, but also extends well beyond the current events that we hear about and read about on a daily basis. There is no room for complacency in our lives if we want to make a difference in the world during our lifetime or if we want to live a happy and successful life.

In the course of my years as an undergraduate student in Rutgers University – Newark, I maintained a full-time work schedule as well as a full-time school schedule. Not only did this provide me with a strong work ethic, but I was also able to develop a strong academic foundation as well. In the years that I spent working as a customer service representative for TD Bank, I was able to steadily involve myself with a large group of diverse people. During my career with TD Bank, I witnessed disagreements and arguments amongst employees which presented to become a problem all throughout our branch. All through this difficult time, I actively attempted to alleviate any and all complications. I maintained and promoted a positive and healthy work environment by persuading coworkers to try to understand the miscommunication that had developed amongst them. I also worked closely with my human resources department to understand the root cause of the problems, and assisted in finding a solution by maintaining the trust and confidence of my coworkers.

I decided to apply to AGS for natural science because I have always loved science. When I was very young, I always told people I wanted to be a scientist when I grew up; even though I did not fully understand what being a scientist exactly entailed, I always thought the work they did seemed valuable and, most importantly to a kid, very cool. Now, at seventeen, I realize that scientists are not always eccentric old men wearing white lab coats, but I still find their profession fascinating. I think that the reason I have always been interested in science is because it is a very hands-on subject; you learn by doing, and I have found that that is how I learn best. I have also been intrigued with science because the research scientists discover

Conducting business today is extremely energy-intensive, which has led to the depletion of our natural resources and degradation of the environment. My goal is to become a Sustainability Manager for a retail or consumer goods company whose sustainability goals are aligned with mine, such as Ikea or Nike. In the long-term, I hope to move up within the organization and become the Head of Sustainability.

For this reason, I was nervous at the beginning of the semester and I didn’t know what to expect. I had faith that since I am in college now, everyone would be able to get along and act like an adult. I have never been the type to take complete control, but I also have never been the type to not put in any effort while my team does all of the work. I know that I can get along with others and be respectful of everyone’s opinions or corrective criticism, which are both essential traits when dealing with collaborative work.

When you were younger, what did you want to be when you grew up? Did you want to be the typical dreamer: a firefighter, a police officer, or an astronaut? Taking the interest survey Using O*Net assessment has helped me understand the occupations that I can be when I become an adult. The O*Net Interest Profiler can help you find out what your interests are and how they relate to the world of work. You can find out what you like to do. The process of doing the O*Net Interest Profiler helped me learn about my interest, learn about my possible career paths, and assisted me in preparing a business capstone project.

• Credit underwriting: Evaluating underwriting practices on new or renewed loans for easing in structure and terms. Reviews will focus on new products, areas of highest growth, or portfolios that represent concentrations. Examiners will continue to assess banks’ efforts to mitigate risk for home equity lines of credit approaching end-of-draw

I’ve worked at a number of jobs over the year’s sense I graduated from High School, and from time to time I’ve run into co-workers that are more than difficult to get along with. The one thing that has helped the most has been being able to communicate with them in such a way as to learn what it is that they need and learn how they operate. There’s a reason people are difficult and being able to communicate with them can be instrumental in possibly exercising that information from them or at least learning the most effective way to work with them.