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“A democracy cannot exist as a permanent form of government. It can only exist until the voters discover that they can vote themselves largesse from the public treasury. From that moment on, the majority always votes for the candidates promising the most benefits from the public treasury with the result that a democracy always collapses …

The future of the United States?? Read More »

Number of seller installment sales on residential property that someone can do per 12 month period before being required to have a mortgage loan originator license: Alaska –         Unlimited 06.60 – 3 AAC 14 Article 11. Sec. 06.60.990(19)(C)(i) Arizona –        Unlimited Sec. 4 Section 6-991.01(6) Arkansas –      Unlimited Sec 23-39-502(9)1(B) (x) A Colorado –      Unlimited …

States That Exempt or Partially Exempt Seller Installment Sales From Licensing Read More »

SENATE DEBT DEAL IS A FRAUD! By DICK MORRIS & EILEEN MCGANN Published on DickMorris.com on July 20, 2011 The new Gang of Six proposal brewing in the Senate is a total sellout which promises to usher in a vast new round of new taxes. Not just closing of loopholes, but real live taxes we …

Mortgage Interest Deduction Threatened Read More »

We stopped HUD’s assault on seller installment sales by flooding them with over 5,000 protests. Now the new Consumer Financial Protection Bureau is considering severe restrictions on them. The deadline to protest has passed (July 22, 2011).  See snipurl.com/AbilityToRepay to read the comments (scroll down that page for the comments link). However,  you can still leave …

Seller Mortgages May Be Effectively Outlawed Read More »

HUD has issued the final rule for the SAFE Act.  Click here: SAFE Act Final Rule See attached, esp. the section beginning on p. 9, “D. Individuals Requiring Licensing Under the SAFE Act.” Also note: An individual who merely takes an application, but never offers or negotiates loan terms, is not required to be subject …

Final HUD Rule On SAFE Act Read More »

Click here for incredible maps of the hardest-hit foreclosure areas:  foreclosures It will take a few minutes to load.

by Franklin Sanders www.the-moneychanger.com I don’t use the word “freedom” much any more, but “self-government.”  Most people think “freedom” means licentiousness, the liberty to do any damned thing you please.  It doesn’t.  The man who is a slave to his passions is no freer than the man who is a slave to a salt mine …

A Fourth of July Meditation Read More »

by Gayle Ramsdell President, Franklin Note & Mortgage Co. The cash flow/note industry has been around for many, many years and, contrary to popular belief, it is necessary to have a certain level of intelligence, patience, more patience and education in the field to persevere. Education is necessary to allow you to move forward in …

6 Questions You Should Ask Before You Spend Money On A Cash Flow Note Broker Course Read More »