• Advance: This is the money you have borrowed plus all the additional fees.
• Base Rate: In the United States, this value is set by the Federal Reserve and is known as the Discount Rate or the Prime Rate.
• Bridging Loan: This is a temporary loan that enables the borrower to purchase a new property before the borrower is able to sell another current property.
• Disbursements: These are all the fees of the solicitors and governments, such as stamp duty, land registry, search fees, etc.
• Pre-approval: A loan officer has pulled credit from the borrower, matched them up with a loan, and can guarantee funding for purchase.
• Pre-Payment Penalty / Redemption Penalty: This is the amount of money due if the mortgage is paid in full before the time finished.
• Pre-qualification: A loan officer has taken some information from the borrower, and made a tentative decision, but not verified any of it.
• Equity: This is the market value of the property minus all loans outstanding on it.
• First time buyer: This is the term given to a person buying property for the first time.
• Loan Origination Fee: A charge levied by a creditor for underwriting a loan. The fee often is expressed in points. A point is 1 percent of the loan amount.
• Sealing Fee: This is a fee made when the lender releases the legal charge over the property.
• Subject To Contract: This is an agreement between seller and buyer before the actual contract is made.
• Balloon loans: after a series of low payments for a fixed period of time, then the entire loan balance is due in a large lump sum.

Most the organizations still don’t know why to have a website. Most started off in the early to mid 1990′s as a corporate novelty, but by 1999 the mentality of “If we don’t have a website we don’t have a viable business” began to flourish. With stock market bullish records of Internet based or leveraged businesses, more organizations began to relocate their businesses to the Internet.

Over the years as information technology has evolved, so have web sites. In the early 1990′s web sites were static (simple plane text), then some life was added in the shape of fonts and colorful layout. Very soon, graphics began to emerge on scene and sites became more aesthetically appealing to the consumer.

By 1998, sites started to use more sophisticated technologies such as Java and Flash, and more importantly pages and their content was generated dynamically on the fly. Sites became unbelievably full of features and cosmetically pleasing. The strong saying of “if we build it they will come”; and the “if we make it look bigger and better than our competitors with more functionality we will capture market share” began to drive web development.

No thought was made as to how traffic moved around the web and why. Most businesses just built websites and expected an enormous increase in profit. As a result of such poor planning, most online businesses failed. According to leading market research, nearly 90% of entries to a website are generated by Search Engine traffic. Similar research shows that almost 45% of sales to an e-commerce website are a direct result of a lead from a Search Engine.

If you want have a success then your main focus – even before the site is built – should be in working out how to drive targeted traffic to your web site.

The strategies that actually work BEST for websites are:

• Website Promotion through Search Engine Optimization
• Banner Advertisement
• PPV, PPC & Link Exchanges with Similar Sites
• Word of Mouth Referrals

A loan officer acts as the bridge between a financial institution that provides personal and business loans to the borrowers.  A good mortgage professional always make sure that the loan arrangement is in the best interests of both the applicant and the bank or financial institution that has extended the loan.

A loan officer is some times called as “loan counselor” or a “lending officer” too. Every successful mortgage specialist has command over various aspects related to loans. A comprehensive product knowledge is a must along-with sound marketing and communication skills. Competent loan officer will also have a complete working knowledge of the requirements or conditions that are necessary for applicants to successfully qualify for each type of loan. He’ll also has the latest information on any upcoming promotional specials on loans, including any special interest rates that are extended for only a short period of time.