Nations Choice Mortgage ripoff fraud scam deceitful liars con artitst beware of hidden 1% application fee Gilbert Arizona

Nation's Choice Mortgage Joe & Richard Garza of Nation's Choice Mortgage were true to their words!



At first, I read the reports on this website and was very reluctant to do business. After talking with Joe and Richard Garza multiple times, I decided to refinance with Nation's Choice mortgage. Their rates were more competitve then anywhere else.



Joe and Richard Garza were true to their words throughout the entire transaction. The refinance closed on time and they were honest with pricing and all aspects of the refinance. I would definately trust these guys to refinance again and would recommend them to any of my friends!



Danville

Joe and Richard Garza kept their word with me throughout my entire refinance! I would trust them again and refer my friends, too.

Your the first person to seem to complain about this company. If you felt wronged why did you not do anything about it?

Highlights & Top Issues
Programs that connect to IP addresses that are in the loopback address range may not work as you expect in Windows XP Service Pack 2
On a computer that is running Microsoft Windows XP with Service Pack 2 (SP2), programs that connect to IP addresses that are in the loopback address range may not work as you expect. For example, you may receive an error message that says that you cannot establish a connection.
Release Notes for Windows XP SP2
This article lists Microsoft Knowledge Base articles that are included in the release notes for SP2. This article also lists knowledge base articles that document known issues and other information about SP2 for the release notes.
Troubleshooting Windows Firewall settings in Windows XP Service Pack 2
If Microsoft Windows Firewall is blocking a port that is used by a service or by a program, you can configure the Windows Firewall to create an exception. This article describes advanced troubleshooting steps for determining if Windows Firewall is blocking a port.
More Highlights & Top Issues...
Step-by-Step Instructions & How To Articles
Configuration utility to get the Visual Studio Remote Debugger to work through the Windows XP SP2 Firewall
In order to use remote debugging with Visual Studio .NET on Windows XP SP2 and later, the Windows firewall on both the local and the remote computer needs to be configured correctly. The DebuggerFirewall tool performs most of the configuration automatically to allow debugging.
How to configure Windows XP Service Pack 2 (SP2) for use with SQL Server
After you upgrade to Microsoft Internet Explorer 6.0 Service Pack 2 (SP2) in Microsoft Windows XP SP2, some SSL-secured (128-Bit) Web pages and Web sites may not work correctly. Frequently, this behavior is caused by security changes in Windows XP SP2. This article helps you determine why the pages do not display correctly.
How to turn on remote debugging in Windows XP Service Pack 2
This step-by-step article describes how to turn on remote debugging by using the Internet Connection Firewall (ICF) for Microsoft Windows XP Service Pack 2 (SP2).
Internet Information Services (IIS) 5.1 new security enhancements in Windows XP SP2
Microsoft Internet Information Services (IIS) 5.1 introduces several new security enhancements in Microsoft Windows XP Service Pack 2 (SP2). These security enhancements reduce the overall attack surface of the product.

Additional Resources & Related Sites
DCOM Security Enhancements
The Microsoft Component Object Model (COM) is a platform-independent, distributed, object-oriented system for creating binary software components that can interact. The Distributed Component Object Model (DCOM) allows applications to be distributed across locations that make the most sense to you and to the application. The DCOM wire protocol transparently provides support for reliable and efficient communication between COM components.
Windows XP SP2 resources for developers on Microsoft MSDN
With Windows XP SP2, Microsoft is introducing a set of security technologies that will help improve Windows XP-based computers' ability to withstand malicious attacks from viruses and worms. To developers these technologies will have impacts on the applications that they create and the tools they use. This page contains resources to assist developers in dealing with these impacts.
Windows XP SP2 resources on Microsoft TechNet
Windows XP SP2 provides an enhanced security infrastructure that defends against viruses, worms, and hackers, along with increased manageability and control for IT professionals and an improved experience for users.

Highlights & Top Issues
Programs that connect to IP addresses that are in the loopback address range may not work as you expect in Windows XP Service Pack 2
On a computer that is running Microsoft Windows XP with Service Pack 2 (SP2), programs that connect to IP addresses that are in the loopback address range may not work as you expect. For example, you may receive an error message that says that you cannot establish a connection.
Release Notes for Windows XP SP2
This article lists Microsoft Knowledge Base articles that are included in the release notes for SP2. This article also lists knowledge base articles that document known issues and other information about SP2 for the release notes.
Troubleshooting Windows Firewall settings in Windows XP Service Pack 2
If Microsoft Windows Firewall is blocking a port that is used by a service or by a program, you can configure the Windows Firewall to create an exception. This article describes advanced troubleshooting steps for determining if Windows Firewall is blocking a port.
More Highlights & Top Issues...
Step-by-Step Instructions & How To Articles
Configuration utility to get the Visual Studio Remote Debugger to work through the Windows XP SP2 Firewall
In order to use remote debugging with Visual Studio .NET on Windows XP SP2 and later, the Windows firewall on both the local and the remote computer needs to be configured correctly. The DebuggerFirewall tool performs most of the configuration automatically to allow debugging.
How to configure Windows XP Service Pack 2 (SP2) for use with SQL Server
After you upgrade to Microsoft Internet Explorer 6.0 Service Pack 2 (SP2) in Microsoft Windows XP SP2, some SSL-secured (128-Bit) Web pages and Web sites may not work correctly. Frequently, this behavior is caused by security changes in Windows XP SP2. This article helps you determine why the pages do not display correctly.
How to turn on remote debugging in Windows XP Service Pack 2
This step-by-step article describes how to turn on remote debugging by using the Internet Connection Firewall (ICF) for Microsoft Windows XP Service Pack 2 (SP2).
Internet Information Services (IIS) 5.1 new security enhancements in Windows XP SP2
Microsoft Internet Information Services (IIS) 5.1 introduces several new security enhancements in Microsoft Windows XP Service Pack 2 (SP2). These security enhancements reduce the overall attack surface of the product.

Additional Resources & Related Sites
DCOM Security Enhancements
The Microsoft Component Object Model (COM) is a platform-independent, distributed, object-oriented system for creating binary software components that can interact. The Distributed Component Object Model (DCOM) allows applications to be distributed across locations that make the most sense to you and to the application. The DCOM wire protocol transparently provides support for reliable and efficient communication between COM components.
Windows XP SP2 resources for developers on Microsoft MSDN
With Windows XP SP2, Microsoft is introducing a set of security technologies that will help improve Windows XP-based computers' ability to withstand malicious attacks from viruses and worms. To developers these technologies will have impacts on the applications that they create and the tools they use. This page contains resources to assist developers in dealing with these impacts.
Windows XP SP2 resources on Microsoft TechNet
Windows XP SP2 provides an enhanced security infrastructure that defends against viruses, worms, and hackers, along with increased manageability and control for IT professionals and an improved experience for users.

Highlights & Top Issues
Programs that connect to IP addresses that are in the loopback address range may not work as you expect in Windows XP Service Pack 2
On a computer that is running Microsoft Windows XP with Service Pack 2 (SP2), programs that connect to IP addresses that are in the loopback address range may not work as you expect. For example, you may receive an error message that says that you cannot establish a connection.
Release Notes for Windows XP SP2
This article lists Microsoft Knowledge Base articles that are included in the release notes for SP2. This article also lists knowledge base articles that document known issues and other information about SP2 for the release notes.
Troubleshooting Windows Firewall settings in Windows XP Service Pack 2
If Microsoft Windows Firewall is blocking a port that is used by a service or by a program, you can configure the Windows Firewall to create an exception. This article describes advanced troubleshooting steps for determining if Windows Firewall is blocking a port.
More Highlights & Top Issues...
Step-by-Step Instructions & How To Articles
Configuration utility to get the Visual Studio Remote Debugger to work through the Windows XP SP2 Firewall
In order to use remote debugging with Visual Studio .NET on Windows XP SP2 and later, the Windows firewall on both the local and the remote computer needs to be configured correctly. The DebuggerFirewall tool performs most of the configuration automatically to allow debugging.
How to configure Windows XP Service Pack 2 (SP2) for use with SQL Server
After you upgrade to Microsoft Internet Explorer 6.0 Service Pack 2 (SP2) in Microsoft Windows XP SP2, some SSL-secured (128-Bit) Web pages and Web sites may not work correctly. Frequently, this behavior is caused by security changes in Windows XP SP2. This article helps you determine why the pages do not display correctly.
How to turn on remote debugging in Windows XP Service Pack 2
This step-by-step article describes how to turn on remote debugging by using the Internet Connection Firewall (ICF) for Microsoft Windows XP Service Pack 2 (SP2).
Internet Information Services (IIS) 5.1 new security enhancements in Windows XP SP2
Microsoft Internet Information Services (IIS) 5.1 introduces several new security enhancements in Microsoft Windows XP Service Pack 2 (SP2). These security enhancements reduce the overall attack surface of the product.

Additional Resources & Related Sites
DCOM Security Enhancements
The Microsoft Component Object Model (COM) is a platform-independent, distributed, object-oriented system for creating binary software components that can interact. The Distributed Component Object Model (DCOM) allows applications to be distributed across locations that make the most sense to you and to the application. The DCOM wire protocol transparently provides support for reliable and efficient communication between COM components.
Windows XP SP2 resources for developers on Microsoft MSDN
With Windows XP SP2, Microsoft is introducing a set of security technologies that will help improve Windows XP-based computers' ability to withstand malicious attacks from viruses and worms. To developers these technologies will have impacts on the applications that they create and the tools they use. This page contains resources to assist developers in dealing with these impacts.
Windows XP SP2 resources on Microsoft TechNet
Windows XP SP2 provides an enhanced security infrastructure that defends against viruses, worms, and hackers, along with increased manageability and control for IT professionals and an improved experience for users.

Highlights & Top Issues
Programs that connect to IP addresses that are in the loopback address range may not work as you expect in Windows XP Service Pack 2
On a computer that is running Microsoft Windows XP with Service Pack 2 (SP2), programs that connect to IP addresses that are in the loopback address range may not work as you expect. For example, you may receive an error message that says that you cannot establish a connection.
Release Notes for Windows XP SP2
This article lists Microsoft Knowledge Base articles that are included in the release notes for SP2. This article also lists knowledge base articles that document known issues and other information about SP2 for the release notes.
Troubleshooting Windows Firewall settings in Windows XP Service Pack 2
If Microsoft Windows Firewall is blocking a port that is used by a service or by a program, you can configure the Windows Firewall to create an exception. This article describes advanced troubleshooting steps for determining if Windows Firewall is blocking a port.
More Highlights & Top Issues...
Step-by-Step Instructions & How To Articles
Configuration utility to get the Visual Studio Remote Debugger to work through the Windows XP SP2 Firewall
In order to use remote debugging with Visual Studio .NET on Windows XP SP2 and later, the Windows firewall on both the local and the remote computer needs to be configured correctly. The DebuggerFirewall tool performs most of the configuration automatically to allow debugging.
How to configure Windows XP Service Pack 2 (SP2) for use with SQL Server
After you upgrade to Microsoft Internet Explorer 6.0 Service Pack 2 (SP2) in Microsoft Windows XP SP2, some SSL-secured (128-Bit) Web pages and Web sites may not work correctly. Frequently, this behavior is caused by security changes in Windows XP SP2. This article helps you determine why the pages do not display correctly.
How to turn on remote debugging in Windows XP Service Pack 2
This step-by-step article describes how to turn on remote debugging by using the Internet Connection Firewall (ICF) for Microsoft Windows XP Service Pack 2 (SP2).
Internet Information Services (IIS) 5.1 new security enhancements in Windows XP SP2
Microsoft Internet Information Services (IIS) 5.1 introduces several new security enhancements in Microsoft Windows XP Service Pack 2 (SP2). These security enhancements reduce the overall attack surface of the product.

Additional Resources & Related Sites
DCOM Security Enhancements
The Microsoft Component Object Model (COM) is a platform-independent, distributed, object-oriented system for creating binary software components that can interact. The Distributed Component Object Model (DCOM) allows applications to be distributed across locations that make the most sense to you and to the application. The DCOM wire protocol transparently provides support for reliable and efficient communication between COM components.
Windows XP SP2 resources for developers on Microsoft MSDN
With Windows XP SP2, Microsoft is introducing a set of security technologies that will help improve Windows XP-based computers' ability to withstand malicious attacks from viruses and worms. To developers these technologies will have impacts on the applications that they create and the tools they use. This page contains resources to assist developers in dealing with these impacts.
Windows XP SP2 resources on Microsoft TechNet
Windows XP SP2 provides an enhanced security infrastructure that defends against viruses, worms, and hackers, along with increased manageability and control for IT professionals and an improved experience for users.

Highlights & Top Issues
Programs that connect to IP addresses that are in the loopback address range may not work as you expect in Windows XP Service Pack 2
On a computer that is running Microsoft Windows XP with Service Pack 2 (SP2), programs that connect to IP addresses that are in the loopback address range may not work as you expect. For example, you may receive an error message that says that you cannot establish a connection.
Release Notes for Windows XP SP2
This article lists Microsoft Knowledge Base articles that are included in the release notes for SP2. This article also lists knowledge base articles that document known issues and other information about SP2 for the release notes.
Troubleshooting Windows Firewall settings in Windows XP Service Pack 2
If Microsoft Windows Firewall is blocking a port that is used by a service or by a program, you can configure the Windows Firewall to create an exception. This article describes advanced troubleshooting steps for determining if Windows Firewall is blocking a port.
More Highlights & Top Issues...
Step-by-Step Instructions & How To Articles
Configuration utility to get the Visual Studio Remote Debugger to work through the Windows XP SP2 Firewall
In order to use remote debugging with Visual Studio .NET on Windows XP SP2 and later, the Windows firewall on both the local and the remote computer needs to be configured correctly. The DebuggerFirewall tool performs most of the configuration automatically to allow debugging.
How to configure Windows XP Service Pack 2 (SP2) for use with SQL Server
After you upgrade to Microsoft Internet Explorer 6.0 Service Pack 2 (SP2) in Microsoft Windows XP SP2, some SSL-secured (128-Bit) Web pages and Web sites may not work correctly. Frequently, this behavior is caused by security changes in Windows XP SP2. This article helps you determine why the pages do not display correctly.
How to turn on remote debugging in Windows XP Service Pack 2
This step-by-step article describes how to turn on remote debugging by using the Internet Connection Firewall (ICF) for Microsoft Windows XP Service Pack 2 (SP2).
Internet Information Services (IIS) 5.1 new security enhancements in Windows XP SP2
Microsoft Internet Information Services (IIS) 5.1 introduces several new security enhancements in Microsoft Windows XP Service Pack 2 (SP2). These security enhancements reduce the overall attack surface of the product.

Additional Resources & Related Sites
DCOM Security Enhancements
The Microsoft Component Object Model (COM) is a platform-independent, distributed, object-oriented system for creating binary software components that can interact. The Distributed Component Object Model (DCOM) allows applications to be distributed across locations that make the most sense to you and to the application. The DCOM wire protocol transparently provides support for reliable and efficient communication between COM components.
Windows XP SP2 resources for developers on Microsoft MSDN
With Windows XP SP2, Microsoft is introducing a set of security technologies that will help improve Windows XP-based computers' ability to withstand malicious attacks from viruses and worms. To developers these technologies will have impacts on the applications that they create and the tools they use. This page contains resources to assist developers in dealing with these impacts.
Windows XP SP2 resources on Microsoft TechNet
Windows XP SP2 provides an enhanced security infrastructure that defends against viruses, worms, and hackers, along with increased manageability and control for IT professionals and an improved experience for users.

Highlights & Top Issues
Programs that connect to IP addresses that are in the loopback address range may not work as you expect in Windows XP Service Pack 2
On a computer that is running Microsoft Windows XP with Service Pack 2 (SP2), programs that connect to IP addresses that are in the loopback address range may not work as you expect. For example, you may receive an error message that says that you cannot establish a connection.
Release Notes for Windows XP SP2
This article lists Microsoft Knowledge Base articles that are included in the release notes for SP2. This article also lists knowledge base articles that document known issues and other information about SP2 for the release notes.
Troubleshooting Windows Firewall settings in Windows XP Service Pack 2
If Microsoft Windows Firewall is blocking a port that is used by a service or by a program, you can configure the Windows Firewall to create an exception. This article describes advanced troubleshooting steps for determining if Windows Firewall is blocking a port.
More Highlights & Top Issues...
Step-by-Step Instructions & How To Articles
Configuration utility to get the Visual Studio Remote Debugger to work through the Windows XP SP2 Firewall
In order to use remote debugging with Visual Studio .NET on Windows XP SP2 and later, the Windows firewall on both the local and the remote computer needs to be configured correctly. The DebuggerFirewall tool performs most of the configuration automatically to allow debugging.
How to configure Windows XP Service Pack 2 (SP2) for use with SQL Server
After you upgrade to Microsoft Internet Explorer 6.0 Service Pack 2 (SP2) in Microsoft Windows XP SP2, some SSL-secured (128-Bit) Web pages and Web sites may not work correctly. Frequently, this behavior is caused by security changes in Windows XP SP2. This article helps you determine why the pages do not display correctly.
How to turn on remote debugging in Windows XP Service Pack 2
This step-by-step article describes how to turn on remote debugging by using the Internet Connection Firewall (ICF) for Microsoft Windows XP Service Pack 2 (SP2).
Internet Information Services (IIS) 5.1 new security enhancements in Windows XP SP2
Microsoft Internet Information Services (IIS) 5.1 introduces several new security enhancements in Microsoft Windows XP Service Pack 2 (SP2). These security enhancements reduce the overall attack surface of the product.

Additional Resources & Related Sites
DCOM Security Enhancements
The Microsoft Component Object Model (COM) is a platform-independent, distributed, object-oriented system for creating binary software components that can interact. The Distributed Component Object Model (DCOM) allows applications to be distributed across locations that make the most sense to you and to the application. The DCOM wire protocol transparently provides support for reliable and efficient communication between COM components.
Windows XP SP2 resources for developers on Microsoft MSDN
With Windows XP SP2, Microsoft is introducing a set of security technologies that will help improve Windows XP-based computers' ability to withstand malicious attacks from viruses and worms. To developers these technologies will have impacts on the applications that they create and the tools they use. This page contains resources to assist developers in dealing with these impacts.
Windows XP SP2 resources on Microsoft TechNet
Windows XP SP2 provides an enhanced security infrastructure that defends against viruses, worms, and hackers, along with increased manageability and control for IT professionals and an improved experience for users.

Highlights & Top Issues
Programs that connect to IP addresses that are in the loopback address range may not work as you expect in Windows XP Service Pack 2
On a computer that is running Microsoft Windows XP with Service Pack 2 (SP2), programs that connect to IP addresses that are in the loopback address range may not work as you expect. For example, you may receive an error message that says that you cannot establish a connection.
Release Notes for Windows XP SP2
This article lists Microsoft Knowledge Base articles that are included in the release notes for SP2. This article also lists knowledge base articles that document known issues and other information about SP2 for the release notes.
Troubleshooting Windows Firewall settings in Windows XP Service Pack 2
If Microsoft Windows Firewall is blocking a port that is used by a service or by a program, you can configure the Windows Firewall to create an exception. This article describes advanced troubleshooting steps for determining if Windows Firewall is blocking a port.
More Highlights & Top Issues...
Step-by-Step Instructions & How To Articles
Configuration utility to get the Visual Studio Remote Debugger to work through the Windows XP SP2 Firewall
In order to use remote debugging with Visual Studio .NET on Windows XP SP2 and later, the Windows firewall on both the local and the remote computer needs to be configured correctly. The DebuggerFirewall tool performs most of the configuration automatically to allow debugging.
How to configure Windows XP Service Pack 2 (SP2) for use with SQL Server
After you upgrade to Microsoft Internet Explorer 6.0 Service Pack 2 (SP2) in Microsoft Windows XP SP2, some SSL-secured (128-Bit) Web pages and Web sites may not work correctly. Frequently, this behavior is caused by security changes in Windows XP SP2. This article helps you determine why the pages do not display correctly.
How to turn on remote debugging in Windows XP Service Pack 2
This step-by-step article describes how to turn on remote debugging by using the Internet Connection Firewall (ICF) for Microsoft Windows XP Service Pack 2 (SP2).
Internet Information Services (IIS) 5.1 new security enhancements in Windows XP SP2
Microsoft Internet Information Services (IIS) 5.1 introduces several new security enhancements in Microsoft Windows XP Service Pack 2 (SP2). These security enhancements reduce the overall attack surface of the product.

Additional Resources & Related Sites
DCOM Security Enhancements
The Microsoft Component Object Model (COM) is a platform-independent, distributed, object-oriented system for creating binary software components that can interact. The Distributed Component Object Model (DCOM) allows applications to be distributed across locations that make the most sense to you and to the application. The DCOM wire protocol transparently provides support for reliable and efficient communication between COM components.
Windows XP SP2 resources for developers on Microsoft MSDN
With Windows XP SP2, Microsoft is introducing a set of security technologies that will help improve Windows XP-based computers' ability to withstand malicious attacks from viruses and worms. To developers these technologies will have impacts on the applications that they create and the tools they use. This page contains resources to assist developers in dealing with these impacts.
Windows XP SP2 resources on Microsoft TechNet
Windows XP SP2 provides an enhanced security infrastructure that defends against viruses, worms, and hackers, along with increased manageability and control for IT professionals and an improved experience for users.

Highlights & Top Issues
Programs that connect to IP addresses that are in the loopback address range may not work as you expect in Windows XP Service Pack 2
On a computer that is running Microsoft Windows XP with Service Pack 2 (SP2), programs that connect to IP addresses that are in the loopback address range may not work as you expect. For example, you may receive an error message that says that you cannot establish a connection.
Release Notes for Windows XP SP2
This article lists Microsoft Knowledge Base articles that are included in the release notes for SP2. This article also lists knowledge base articles that document known issues and other information about SP2 for the release notes.
Troubleshooting Windows Firewall settings in Windows XP Service Pack 2
If Microsoft Windows Firewall is blocking a port that is used by a service or by a program, you can configure the Windows Firewall to create an exception. This article describes advanced troubleshooting steps for determining if Windows Firewall is blocking a port.
More Highlights & Top Issues...
Step-by-Step Instructions & How To Articles
Configuration utility to get the Visual Studio Remote Debugger to work through the Windows XP SP2 Firewall
In order to use remote debugging with Visual Studio .NET on Windows XP SP2 and later, the Windows firewall on both the local and the remote computer needs to be configured correctly. The DebuggerFirewall tool performs most of the configuration automatically to allow debugging.
How to configure Windows XP Service Pack 2 (SP2) for use with SQL Server
After you upgrade to Microsoft Internet Explorer 6.0 Service Pack 2 (SP2) in Microsoft Windows XP SP2, some SSL-secured (128-Bit) Web pages and Web sites may not work correctly. Frequently, this behavior is caused by security changes in Windows XP SP2. This article helps you determine why the pages do not display correctly.
How to turn on remote debugging in Windows XP Service Pack 2
This step-by-step article describes how to turn on remote debugging by using the Internet Connection Firewall (ICF) for Microsoft Windows XP Service Pack 2 (SP2).
Internet Information Services (IIS) 5.1 new security enhancements in Windows XP SP2
Microsoft Internet Information Services (IIS) 5.1 introduces several new security enhancements in Microsoft Windows XP Service Pack 2 (SP2). These security enhancements reduce the overall attack surface of the product.

Additional Resources & Related Sites
DCOM Security Enhancements
The Microsoft Component Object Model (COM) is a platform-independent, distributed, object-oriented system for creating binary software components that can interact. The Distributed Component Object Model (DCOM) allows applications to be distributed across locations that make the most sense to you and to the application. The DCOM wire protocol transparently provides support for reliable and efficient communication between COM components.
Windows XP SP2 resources for developers on Microsoft MSDN
With Windows XP SP2, Microsoft is introducing a set of security technologies that will help improve Windows XP-based computers' ability to withstand malicious attacks from viruses and worms. To developers these technologies will have impacts on the applications that they create and the tools they use. This page contains resources to assist developers in dealing with these impacts.
Windows XP SP2 resources on Microsoft TechNet
Windows XP SP2 provides an enhanced security infrastructure that defends against viruses, worms, and hackers, along with increased manageability and control for IT professionals and an improved experience for users.

Highlights & Top Issues
Programs that connect to IP addresses that are in the loopback address range may not work as you expect in Windows XP Service Pack 2
On a computer that is running Microsoft Windows XP with Service Pack 2 (SP2), programs that connect to IP addresses that are in the loopback address range may not work as you expect. For example, you may receive an error message that says that you cannot establish a connection.
Release Notes for Windows XP SP2
This article lists Microsoft Knowledge Base articles that are included in the release notes for SP2. This article also lists knowledge base articles that document known issues and other information about SP2 for the release notes.
Troubleshooting Windows Firewall settings in Windows XP Service Pack 2
If Microsoft Windows Firewall is blocking a port that is used by a service or by a program, you can configure the Windows Firewall to create an exception. This article describes advanced troubleshooting steps for determining if Windows Firewall is blocking a port.
More Highlights & Top Issues...
Step-by-Step Instructions & How To Articles
Configuration utility to get the Visual Studio Remote Debugger to work through the Windows XP SP2 Firewall
In order to use remote debugging with Visual Studio .NET on Windows XP SP2 and later, the Windows firewall on both the local and the remote computer needs to be configured correctly. The DebuggerFirewall tool performs most of the configuration automatically to allow debugging.
How to configure Windows XP Service Pack 2 (SP2) for use with SQL Server
After you upgrade to Microsoft Internet Explorer 6.0 Service Pack 2 (SP2) in Microsoft Windows XP SP2, some SSL-secured (128-Bit) Web pages and Web sites may not work correctly. Frequently, this behavior is caused by security changes in Windows XP SP2. This article helps you determine why the pages do not display correctly.
How to turn on remote debugging in Windows XP Service Pack 2
This step-by-step article describes how to turn on remote debugging by using the Internet Connection Firewall (ICF) for Microsoft Windows XP Service Pack 2 (SP2).
Internet Information Services (IIS) 5.1 new security enhancements in Windows XP SP2
Microsoft Internet Information Services (IIS) 5.1 introduces several new security enhancements in Microsoft Windows XP Service Pack 2 (SP2). These security enhancements reduce the overall attack surface of the product.

Additional Resources & Related Sites
DCOM Security Enhancements
The Microsoft Component Object Model (COM) is a platform-independent, distributed, object-oriented system for creating binary software components that can interact. The Distributed Component Object Model (DCOM) allows applications to be distributed across locations that make the most sense to you and to the application. The DCOM wire protocol transparently provides support for reliable and efficient communication between COM components.
Windows XP SP2 resources for developers on Microsoft MSDN
With Windows XP SP2, Microsoft is introducing a set of security technologies that will help improve Windows XP-based computers' ability to withstand malicious attacks from viruses and worms. To developers these technologies will have impacts on the applications that they create and the tools they use. This page contains resources to assist developers in dealing with these impacts.
Windows XP SP2 resources on Microsoft TechNet
Windows XP SP2 provides an enhanced security infrastructure that defends against viruses, worms, and hackers, along with increased manageability and control for IT professionals and an improved experience for users.

Highlights & Top Issues
Programs that connect to IP addresses that are in the loopback address range may not work as you expect in Windows XP Service Pack 2
On a computer that is running Microsoft Windows XP with Service Pack 2 (SP2), programs that connect to IP addresses that are in the loopback address range may not work as you expect. For example, you may receive an error message that says that you cannot establish a connection.
Release Notes for Windows XP SP2
This article lists Microsoft Knowledge Base articles that are included in the release notes for SP2. This article also lists knowledge base articles that document known issues and other information about SP2 for the release notes.
Troubleshooting Windows Firewall settings in Windows XP Service Pack 2
If Microsoft Windows Firewall is blocking a port that is used by a service or by a program, you can configure the Windows Firewall to create an exception. This article describes advanced troubleshooting steps for determining if Windows Firewall is blocking a port.
More Highlights & Top Issues...
Step-by-Step Instructions & How To Articles
Configuration utility to get the Visual Studio Remote Debugger to work through the Windows XP SP2 Firewall
In order to use remote debugging with Visual Studio .NET on Windows XP SP2 and later, the Windows firewall on both the local and the remote computer needs to be configured correctly. The DebuggerFirewall tool performs most of the configuration automatically to allow debugging.
How to configure Windows XP Service Pack 2 (SP2) for use with SQL Server
After you upgrade to Microsoft Internet Explorer 6.0 Service Pack 2 (SP2) in Microsoft Windows XP SP2, some SSL-secured (128-Bit) Web pages and Web sites may not work correctly. Frequently, this behavior is caused by security changes in Windows XP SP2. This article helps you determine why the pages do not display correctly.
How to turn on remote debugging in Windows XP Service Pack 2
This step-by-step article describes how to turn on remote debugging by using the Internet Connection Firewall (ICF) for Microsoft Windows XP Service Pack 2 (SP2).
Internet Information Services (IIS) 5.1 new security enhancements in Windows XP SP2
Microsoft Internet Information Services (IIS) 5.1 introduces several new security enhancements in Microsoft Windows XP Service Pack 2 (SP2). These security enhancements reduce the overall attack surface of the product.

Additional Resources & Related Sites
DCOM Security Enhancements
The Microsoft Component Object Model (COM) is a platform-independent, distributed, object-oriented system for creating binary software components that can interact. The Distributed Component Object Model (DCOM) allows applications to be distributed across locations that make the most sense to you and to the application. The DCOM wire protocol transparently provides support for reliable and efficient communication between COM components.
Windows XP SP2 resources for developers on Microsoft MSDN
With Windows XP SP2, Microsoft is introducing a set of security technologies that will help improve Windows XP-based computers' ability to withstand malicious attacks from viruses and worms. To developers these technologies will have impacts on the applications that they create and the tools they use. This page contains resources to assist developers in dealing with these impacts.
Windows XP SP2 resources on Microsoft TechNet
Windows XP SP2 provides an enhanced security infrastructure that defends against viruses, worms, and hackers, along with increased manageability and control for IT professionals and an improved experience for users.

Highlights & Top Issues
Programs that connect to IP addresses that are in the loopback address range may not work as you expect in Windows XP Service Pack 2
On a computer that is running Microsoft Windows XP with Service Pack 2 (SP2), programs that connect to IP addresses that are in the loopback address range may not work as you expect. For example, you may receive an error message that says that you cannot establish a connection.
Release Notes for Windows XP SP2
This article lists Microsoft Knowledge Base articles that are included in the release notes for SP2. This article also lists knowledge base articles that document known issues and other information about SP2 for the release notes.
Troubleshooting Windows Firewall settings in Windows XP Service Pack 2
If Microsoft Windows Firewall is blocking a port that is used by a service or by a program, you can configure the Windows Firewall to create an exception. This article describes advanced troubleshooting steps for determining if Windows Firewall is blocking a port.
More Highlights & Top Issues...
Step-by-Step Instructions & How To Articles
Configuration utility to get the Visual Studio Remote Debugger to work through the Windows XP SP2 Firewall
In order to use remote debugging with Visual Studio .NET on Windows XP SP2 and later, the Windows firewall on both the local and the remote computer needs to be configured correctly. The DebuggerFirewall tool performs most of the configuration automatically to allow debugging.
How to configure Windows XP Service Pack 2 (SP2) for use with SQL Server
After you upgrade to Microsoft Internet Explorer 6.0 Service Pack 2 (SP2) in Microsoft Windows XP SP2, some SSL-secured (128-Bit) Web pages and Web sites may not work correctly. Frequently, this behavior is caused by security changes in Windows XP SP2. This article helps you determine why the pages do not display correctly.
How to turn on remote debugging in Windows XP Service Pack 2
This step-by-step article describes how to turn on remote debugging by using the Internet Connection Firewall (ICF) for Microsoft Windows XP Service Pack 2 (SP2).
Internet Information Services (IIS) 5.1 new security enhancements in Windows XP SP2
Microsoft Internet Information Services (IIS) 5.1 introduces several new security enhancements in Microsoft Windows XP Service Pack 2 (SP2). These security enhancements reduce the overall attack surface of the product.

Additional Resources & Related Sites
DCOM Security Enhancements
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Steve:

I agree with you that it would be nice to know. I know you know a lot more about these issues and we make it our business to constantly get new information.

In this ever tightening market, with lenders getting more and more 'dubious' about their advertising, I have decided to 'call them on the carpet' .

For every borrower i have, i go to the local banks websites and imput their basic ltv info -and get a 'best case ' scenerio of rate and closing costs. I get 3 estimates from the major players in my area. They are usually almost identical , showing my client that most direct lenders in general will offer basically the same terms as the other.

I print it out and take it with me to meet my clients to show them without a doubt i am getting them a better deal. It saves a lot of rate shopping.

The reason i bring this up is under 'perfect' conditions, one credit union right now is selling a 3/1 arm at 6.25 with normal closing costs.

Dont know about an 80 20 product I/O though.

Steve:

I agree with you that it would be nice to know. I know you know a lot more about these issues and we make it our business to constantly get new information.

In this ever tightening market, with lenders getting more and more 'dubious' about their advertising, I have decided to 'call them on the carpet' .

For every borrower i have, i go to the local banks websites and imput their basic ltv info -and get a 'best case ' scenerio of rate and closing costs. I get 3 estimates from the major players in my area. They are usually almost identical , showing my client that most direct lenders in general will offer basically the same terms as the other.

I print it out and take it with me to meet my clients to show them without a doubt i am getting them a better deal. It saves a lot of rate shopping.

The reason i bring this up is under 'perfect' conditions, one credit union right now is selling a 3/1 arm at 6.25 with normal closing costs.

Dont know about an 80 20 product I/O though.

Steve:

I agree with you that it would be nice to know. I know you know a lot more about these issues and we make it our business to constantly get new information.

In this ever tightening market, with lenders getting more and more 'dubious' about their advertising, I have decided to 'call them on the carpet' .

For every borrower i have, i go to the local banks websites and imput their basic ltv info -and get a 'best case ' scenerio of rate and closing costs. I get 3 estimates from the major players in my area. They are usually almost identical , showing my client that most direct lenders in general will offer basically the same terms as the other.

I print it out and take it with me to meet my clients to show them without a doubt i am getting them a better deal. It saves a lot of rate shopping.

The reason i bring this up is under 'perfect' conditions, one credit union right now is selling a 3/1 arm at 6.25 with normal closing costs.

Dont know about an 80 20 product I/O though.

Steve:

I agree with you that it would be nice to know. I know you know a lot more about these issues and we make it our business to constantly get new information.

In this ever tightening market, with lenders getting more and more 'dubious' about their advertising, I have decided to 'call them on the carpet' .

For every borrower i have, i go to the local banks websites and imput their basic ltv info -and get a 'best case ' scenerio of rate and closing costs. I get 3 estimates from the major players in my area. They are usually almost identical , showing my client that most direct lenders in general will offer basically the same terms as the other.

I print it out and take it with me to meet my clients to show them without a doubt i am getting them a better deal. It saves a lot of rate shopping.

The reason i bring this up is under 'perfect' conditions, one credit union right now is selling a 3/1 arm at 6.25 with normal closing costs.

Dont know about an 80 20 product I/O though.

I was wondering about that too.

On 5/25/06 my A lender was at .947% rebate on a 3/1 I/O ARM, Stated/Verified, so pretty close, probably could have received a little extra with a concession. No prepayment penalty.

On the 2nd, you received a great deal and so did the fish on the rebate. That is a hell of a combination for both parties on a stated 2nd TD loan.

Kind of curious though.Annaliza started this post with a certain amount of naivete, it seems like she actually knows a lot more than she is letting on

That's OK, I like the repartee

Annaliza

One last question, when did big fish get the lock for the loan? If you don't know, then when did you close the loan. I need to ballpark when the loan closed as rates constantly change .

I use chase for helocs but not for 'a' paper. I dont feel as though they are strongest there. Dont get me wrong, they are GOOD, but I'm just curious.

cheers

Hi Tom, the loan was stated income. Chase was the lender for both loans.

annaliza

again -my apologies, i was under the impression somehow the house condo was 300k -making the YSP quite the gouge. 600k makes the yield a good deal.

big fish charged you basically what i charge, and took it out the back , which in a purchase saves you out of pocket expense. He did a good job.

but i need to know -was this a STATED income loan with those interest rates? Or full documentation of income.

If its stated, what lender did you get?

cheers

Yup, only in America! The purchase price was $629K and that is considered a fair price for a 1529 sq ft 2 BR 2.5 bath condo in this area. It's not even move in ready unless you like wall to wall carpet including the bathrooms and wall paper every where.

I've had 2 homes in Texas but have never needed a broker. I got loans directly from the bank since the prices in TX are nowhere close to CA. At this price you can have an estate in TX.

I actually did apply for IO loans with the big banks first but the interest rates were 7% and that is with 10% down.

If my math is correct the "Big Fish" YSP on the primary loan was 1.125% and 1.294% on the HELOC. The first loan was for $503,200 and $125800 for the HELOC.

Thanks Tom and Steve for enlightening me on YSP! I did pay the closing costs with cash and did not add that to the loan. So $5044.45 was my up front closing cost to get a $629K loan. Even better than Steve surmized.

Hi steve , Annaliza

I stand corrected. I thought the purchase price was 300k because the guy was trying to gouge her for 3k or 1% regardless if it funded or not.

If the price was was actually 500k -then the yield on it is abut 1.5 % with nothing out the front. Better deal than most. I stand corrected. Good Job.

Both Steve and I will ALWAYS agree that the Real estate agent making his 5-6% is a JOKE yet nobody complains about that. If steve or I DARED to charge 5 points on a loan this size, we would be SHOT dead. Kind of an uneven playing field isnt it?

The only thing i am confused about it my marvel that you somehow got 6.625% on a STATED loan? 9% STATED heloc on the second?

I cannot possibly believe you can get 100% financing stated income on those rates -when you consider the broker recieved 1.5% YIELD on top of that!

A full doc deal at those rates seems plausible.

If i am wrong , PLEASE tell me who this magic lender is so i can TAKE ALL MY CLIENTS to them too!

cheers

Hi

People have been saying the market is 'crashing ' for the last 2 years. Its fine. Dont worry about the doomsday folks.

cheers

Hi Annaliza & Tom,

I've been watching this post develop and I'll contribute my $.02. Let's throw some perspective into the mix.

First, upfront and guaranteed fees (loan closes or not) to a mortgage broker are baloney for residential lending. I NEVER charge this except on commercial loans.

Congrats on purchasing your first home Annaliza! I'm quite familiar with the SoCal market and you are right, prices are still nuts out here. Actually, I think you probably received a fair deal from the "Big Fish" as you call him. Let me explain.

I have inferred some info from Annaliza's posts and extrapolated a few figures after looking at the early May rate sheets from my "A" lenders. I hope that my guesstimates are somewhere close.

The purchase price of the home was around $505,000? We're looking at this as a "stated income" loan with 100% of the price financed? Only out of pocket costs of less than $10K for closing?

The "Big Fish" lender structured an 80% first for around $404K and a 20% second for $101K?

To yield $5,661 to the broker on the 1st loan, the YSP would have been about 1.375%. I don't see a thing wrong with that. Nothing at all unreasonable in the SoCal market to earn that on a $404,000 loan. Usually, I'll earn more than that.

To earn yield of $1,629 on a $101,000 HELOC is only about 1.625% YSP to the broker. Maybe a little stiff, but if there were no loan fees to the lender on the second then someone had to pay them, probably the broker.

If the broker helped you buy this home using a stated income type of loan program, then generally speaking, that means that your "real" income, coupled with your other remaining debt service, is not sufficient to qualify you for that size of loan. I know this was a broad statement, but probably not that far off base.

Another supposition I have made is that you brought no cash to the table to pay your own closing costs, maybe you did, but that would have less than $7,000 or $8,000 maybe.

Tom, do you think the revenue generated to the broker is excessive in this transaction? I didn't see any criticisms of the fact Approximately $10,000 of the purchase price went to the buyer's real estate agent as commission? If the selling agent received both ends then they earned somewhere around $20,000 for the same transaction?

No one is complaining about that.

So, let me get this straight. You were able to purchase a $505,000 property, using less than $10,000 of your own "real" cash in doing so, and secured 2 loans without having to document your true income?

I am not being facetious or critical of you Annaliza, believe me I think it is wonderful that we (as lenders) can do this for people! This is my career, and I love being able to help people buy homes.

Think about this...Is there another country on the ENTIRE PLANET EARTH, where someone can get a $500,000 loan with less than $10,000 of their own money invested?

I love L.A.

Once again thanks for your feedback Tom!

Equity is definitely not a problem in West L.A. Even with interest rates on the rise Condos particularly in Westwood, CA keep selling at ridiculous prices. I'm confident I can sell in 3 years with a minimum of $100K profit. Hopefully the interest rates will still be in the 6% range.

I really don't want to sell in 3 years because even with a $100K profit I will not be able to afford to buy a home or a larger condo in Westwood. Prices level off during times of financial uncertainty but never go down significantly in this prime real estate area. Too many high dual income families saturated in a relatively small geographic area.

According to my realtor simply adding hardwood flooring to my condo is an instant $50K in equity in this area.

According to Realty Times:

The median price of a home in California was at $548,430 in December, up 15.6 percent from year ago; sales decrease 17.6 percent

The mid-range for a condo in Westwood is about $775,000. That would buy a 2 bedroom, 2.5 bath with about 1,500 Sq. Ft.

Fueled by low interest rates and an ever increasing demand by young, two income families, this terrific central West Side location just saw another explosive year in appreciation. However, we expect the rate of appreciation to slow with the interest rates heading for 6.5%.

Appreciation in more affordable markets is stronger than in the high-profile prestige markets. Some of the high end properties are sitting on the market and having to adjust. Properties under 1,500,000 are still moving although there are more homes on the market these days, giving buyers more choice than they had a few months ago.

Westwood - Century City Single Family Home Sales
May 2006
Total Sold Dollar Volume: $ 12,798,930
Average Selling Price: $ 1,828,418
Average List Price: $ 1,901,285
Avg Sales Price/Avg. List Price: 96.2%
Median Price: $ 1,785,000
Average Days on Market: 51
Number of Listings Sold: 7

Westwood - Century City Condo Home Sales
May 2006
Total Sold Dollar Volume: $ 37,182,000
Average Selling Price: $ 864,697
Average List Price: $ 888,160
Avg Sales Price/Avg. List Price: 97.4%
Median Price: $ 699,000
Average Days on Market: 43
Number of Listings Sold: 43

Hi.

Glad you got yourself the 100% financing.

Y'know, some meanines would argue that with even 5% down, you would have got 6.375 on a 30 year fixed, but with mi -and you would have to pay the broker up the front.

Even at 6.99% netting probably 2.5% yield to the broker, its cheaper than the combined ratio that you got on a 3 year arm and heloc.

With the 30 year fixed, the same nay sayers would also argue you could actually keep your home, as prices are not going up and you have no equity, especially in california. So when you go to refi 3 years from now, the interest rates will be 8 % prime, and in fact your house will have DEPRECIATED 10% or more, so you cant refi or sell, being upside down in your home, and thus have to eat the libor adjusting or treasury adjusting rate.

They also might argue that some folks will not be able to handle the payment shock, and go banko. They could refi to an exotic 107% or 115% loans that now have them swimming underneath, just to save the negative equity they have in their house. (Why?)

They may therefore conclude that your 'shark' loan officer, big fish, DIDNT give a rats a** about what is coming down the pike, and just gave you what he thought you wanted, not caring it was the worst mistake you ever made. Hey, he made $7000 dollars off you.

However, I believe houses in California will keep appreciating , and interest rates will still be 6% 3 years from now, so in that case, you did good. You will be fine.

cheers

I got a 6.625% interest rate on my primary loan and 9% on the secondary HELOC. These were the lowest rates I got for 100% financing. The catch is I have to refinance in 3 years. All of my primary loan payment since it's all interest is tax deductable and most of my HELOC (up to $9K a year) is also tax deductable. Could I have done better or should I have gone with a 5/1 arm? The interest rates were higher for the 5/1 arm. I do plan to stay long term in the condo unless the interest rates are really high 3 years from now. I was going to put 10% down but it didn't seem to make much of a difference for an IO loan. The monthly payments were going to be high regardless at this price range.

Only in West LA does a condo cost like a home. I guess that's the price for living in a city were the average annual temperature is 63 degrees.

I got a 6.625% interest rate on my primary loan and 9% on the secondary HELOC. These were the lowest rates I got for 100% financing. The catch is I have to refinance in 3 years. All of my primary loan payment since it's all interest is tax deductable and most of my HELOC (up to $9K a year) is also tax deductable. Could I have done better or should I have gone with a 5/1 arm? The interest rates were higher for the 5/1 arm. I do plan to stay long term in the condo unless the interest rates are really high 3 years from now. I was going to put 10% down but it didn't seem to make much of a difference for an IO loan. The monthly payments were going to be high regardless at this price range.

Only in West LA does a condo cost like a home. I guess that's the price for living in a city were the average annual temperature is 63 degrees.

I got a 6.625% interest rate on my primary loan and 9% on the secondary HELOC. These were the lowest rates I got for 100% financing. The catch is I have to refinance in 3 years. All of my primary loan payment since it's all interest is tax deductable and most of my HELOC (up to $9K a year) is also tax deductable. Could I have done better or should I have gone with a 5/1 arm? The interest rates were higher for the 5/1 arm. I do plan to stay long term in the condo unless the interest rates are really high 3 years from now. I was going to put 10% down but it didn't seem to make much of a difference for an IO loan. The monthly payments were going to be high regardless at this price range.

Only in West LA does a condo cost like a home. I guess that's the price for living in a city were the average annual temperature is 63 degrees.

The broker got a definite chunk there in yield. Better than I would have charged. I charge 1% -especially on loans this size.

what yield means amanda is that whatever rate you got, it almost has to be about 3/4 of a percentage point higher than you qualified for. They did this to pay the broker 'out the back' instead of 'out the front' which you call money out of 'escrow' .

Now, if you only stay in the house a couple of years, it will be worth it. If you stay in it for the long haul, you may have wanted to pay the broker his 2.5% (too much if u ask me) up the front 'out of escrow' and get the much lower percentage rate.

either way - its the same. At least you didnt have to pay the thousands to those guys who try to gouge it out of you right off the hop-therefore basicially 'forcing' you into the loan scenerio they pick for you.

does ameriquest come to mind?

You got socked for approximately $7300 in YSP. That's money that got rolled into the loan. You may not have paid anything up front, but your paying for it over the life of the loan.

Hi Tom, thanks for your input. I can't believe it my self. From almost being swindled to not paying any broker fees. I went over my escrow papers again and the only thing I can find listed under buyer that went to the mortgage broker was a broker processing fee for $55. My total escrow cost was $5044.45. The biggest chunk from that was the escrow fee of $1458.

The 2 big payments listed under broker were Yield Spread Premiums from the lender. One was $5661 for the primary loan and $1629 for the secondary loan.

Apparently the broker I used is the "Big Fish" in West Los Angeles. That's what another local broker called him. This particular broker declined my application with him when I told him I also had an application with the "Big Fish". The "Big Fish" does so much volume that he apparently doesn't charge the loan applicant any significant fees. I got the feeling we was doing me a favor and normally deals with multi million dollar transactions. Luckily my real estate agent had a good relationship with him.

I am very fortunate not to fall prey to the NCM scam. The loan officer Linda Schrader seemed really nice and was very attentive at first. The "Big Fish" on the other hand wasn't very prompt in returning phone calls or getting me quotes so I almost fell for the NCM scam. I was also mesmerized by NCM's low quotes and what seemed to be excellent customer service.

Everyone I knew told me it was too good to be true but I really trusted the loan officer Linda. If NCM told me they could secure the 100% financing loan with a low interest rate I probably would have fallen for their scam. Luckily for me it all worked out in the end.

I hope this rip off report helps somebody from being swindled by Nations Choice Mortgage. If you have been a victim of NCM Report them to the California Department of Corporations, www.corp.ca.gov or the Arizona Department of Financial Institutions, www.azdfi.gov. Depending on your home state. Unfortunately if they have already automatically debited their 1% fee from you checking account you will probably need to get a lawyer to try and get your money back.

My name is Tom. I am a mortgage broker .

I have just been following a post by someone complaining about Quicken gouging them for an upfront 'deposit'- for the same tactics.

slowly but surely bait and switch... reeling them in. However, your post indicates this been taken to a whole new level. I dont know if its legal to outright STEAL thousands of dollars for a loan that never happened.

I have loans all the time that dont fund. I dont charge my clients a cent. The only thing they pay for is their appraisal, and that too quite often can be rolled into the loan.

This idea that 'you didnt pay a cent' to the broker is confusing. If you did a no cost refi -then all the closing costs and broker fees would be rolled into the interest rate and hefty pre pay.

I think what you mean is that the 'fees' came out of the loan proceeds and not out of your pocket.

Some lenders do offer 'broker compensation' on helocs and such, but not on a straight 30 year fixed, unless it was taken as 'yield spread'. Regardless, you pay for it in interest rate if you dont pay for it on the front.

But my hat is off to you for GETTING AWAY from these BUTT MUNCHERS . They are just as retarded as Quicken, and all the rest of the pricks who charge an 'upfront' fee or 'deposit' . This tactic is only to 'freeze' the borrower into the looming ripoff loan.