The rate that includes all charges, including fees, interest rate, any points, and any other charges expressed as a percentage of the total amount of the loan.

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The Good Faith Estimate (GFE) is required from the lender and is an estimate of all the mortgage fees due at the closing.

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Provides basic information about purchasing insurance.

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To assign is to sell, give or transfer ownership.

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He wasn’t much to look at. He was born into a poor family, and spent most of his life at hard labor…before he began what is now the largest network marketing organization in the world.

This man had a concept and a mission. He was in a world of millions of people who needed what he had. Not only did every person need it, but the price was cheap enough for everyone could afford it…if only he could get the word out. How would he reach such a vast population? His ideas were radical! How can I…one man alone, reach these millions of people who desperately need my product?

Ah Ha Network Marketing! I’ll find a few good people and spend my time with them. I’ll teach them about this wonderful, life saving concept. I’ll teach them how to teach others, and then they can go out and share this product with others. Soon, the whole world will know of the tremendous life saving benefits I can offer to them.

It wasn’t easy. People didn’t want change. They had been doing things there way for years. Why should they change? “If it was good enough for my father, it should be good enough for me,” they said.

He began to build a small down-line, working with them constantly, teaching them all they needed to know. This group of first line people came from a variety of professions, from a doctor to an IRS agent. He poured out his life teaching them about his product, and how to teach others about it. Sometimes they did well, and other times they failed miserably, but he never gave up on them. He taught by example.

As this first down-line group began to learn about the product and the opportunity, they went out to share the product with others, all the time being mentored by their leader.

It wasn’t easy for them, but they stuck with it. Sometimes their prospects became violent. They hurled insults and sometimes even slammed doors in their faces. They were times when they even left the company, battered from discouragement and fear, but all but one of them came back. They realized what a tremendous opportunity they really had. All the glitter and hype from those other companies couldn’t hold up to the steadfast, solid product that their original organization had for them.

Their customers would try the product for a while, and many would go back to their old buying habits, but as time went on, their organization began to grow. Within three years, they had grown to hundreds of thousands of people. Then a strange thing happened.

A few dissenters began to make false accusations against the company, and in no time at all, many of them not only left the company, but they caused the government to actually arrest the leader! They put him on trial, and shortly thereafter executed him for treason. But that’s not the end of the story.

Being left without a leader was hard for the rest of the group, but they had been trained well by their master. They decided to hold an opportunity meeting. There was a huge rally, and over 5,000 people signed up their first night! Those people began to learn, and they held smaller meetings in their homes. The word began to spread into neighboring towns and countries. Over the years this organization grew and prospered into the largest network marketing organization in the
world. Today, millions upon millions of people share in the benefits that this organization provides.

No other organization has ever had such a sweeping and far reaching effect on mankind as the one that Jesus started over 2000 years ago!

Network Marketing is not just a flash in the pan. Much older than Amway or Herbalife, it’s a concept that has been going on actually since the beginning of mankind.

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