Wednesday 26 October 2011

2003 Pontiac Grand Am Owners Manual

2003 Pontiac Grand Am Owners Manual - Welcome to our site and may you enjoy the article below. What are you looking for is available here. But it's much better if you read the review of it firstly. Okay, here's the review.

The 2003 Pontiac Grand Am Owner Manual GENERAL MOTORS, GM, the GM Emblem, PONTIAC, the PONTIAC Emblem and the name GRAND AM are registered trademarks of General Motors Corporation. This manual includes the latest information at the time it was printed. We reserve the right to make changes after that time without further notice. For vehicles first sold in Canada, substitute the name “General Motors of Canada Limited’’ for Pontiac Division whenever it appears in this manual.

Please keep this manual in your vehicle, so it will be there if you ever need it when you’re on the road. If you sell the vehicle, please leave this manual in it so the new owner can use it. keep this The 2003 Pontiac Grand Am Owner Manual  easy reference Six-Way Power Driver Seat Reclining Seatbacks If your vehicle has this feature, the power seat control is located on the outboard side of the driver’s seat. This control allows you to move the seat up, down, forward, or backward. It will also move the front or rear of the seat cushion up or down. Move the seat forward or rearward by pushing the control toward the front or rear of the vehicle.

Download 2003 Pontiac Grand Am Owners Manual

Monday 24 October 2011

Home Affordable Refinance Program

Home Affordable Refinance Program - We try to write down about Home Affordable Refinance Program. But I was not really understand about it. Because of that, I took the article below from another source.  However, we think you will the information below.

Home Affordable Refinance Program (HARP) Enhancements

The Federal Housing Finance Agency (FHFA), Fannie Mae, and Freddie Mac have announced enhancements to the Home Affordable Refinance Program (HARP) that are intended to make it easier for lenders to refinance the mortgages of eligible borrowers. Guidelines for Fannie Mae Seller/Servicers, including implementation dates and details, will be available on November 15, 2011. See FHFA's announcement, Phase II Fact Sheet, and Phase II Q&A's on FHFA.gov.

A critical part of Fannie Mae's role in the Making Home AffordableSM Program is the Home Affordable Refinance Program (HARP), available for refinances of existing Fannie Mae loans only. The goal of the refinance effort, as announced by the President, is "to provide access to low-cost refinancing for responsible homeowners suffering from falling home prices." The expectation is that refinancing a Fannie Mae loan will put responsible borrowers in a better position by reducing their monthly principal and interest payments or moving them from a more risky loan structure (such as interest-only or short-term ARM) to a more stable product. Our solutions provide mortgage refinances for current LTVs up to 125 percent, and mortgage insurance flexibilities.

Fannie Mae provides two Refi Plus™ options to provide Fannie Mae to Fannie Mae refinance solutions to eligible borrowers:


  1. Refi Plus for manual underwriting
  2. Refi Plus simplifies the process of refinancing loans that are already in a lender's servicing portfolio. This product supports a 125 percent maximum LTV and mortgage insurance flexibilities for LTVs over 80 percent.
  3. DU Refi Plus™ for loans underwritten through Desktop Underwriter® (DU®)
  4. DU Refi Plus provides increased efficiencies for the origination and underwriting of Fannie Mae to Fannie Mae limited cash-out refinance transactions in DU up to 125 percent LTV. Eligible loans identified in DU receive increased underwriting flexibilities, including expanded eligibility criteria and DU minimum documentation requirements.

Announcements

For details on our Home Affordable Refinance options, consult the following Selling Guide Announcements for lenders and servicers.





SEL-2011-02 3/14/11 Selling Guide Updates (.pdf)
SEL-2010-04 3/29/10 Selling Guide Updates (.pdf)
09-37 12/30/09 Existing Loan Eligibility and Subordinate Financing Updates (.pdf)
09-26 7/24/09 LTV Expansion to 125% for DU Refi Plus (.pdf)
09-23 7/1/09 LTV Expansion to 125% for Refi Plus (manual underwriting) (.pdf)
09-20 6/25/09 Updates to Home Affordable Refinance Policies (.pdf)
09-15 5/29/09 Updates to Pricing (.pdf)
09-13 5/11/09 Updates and Clarifications to Announcement 09-04 (.pdf)
09-04 3/4/09 New Refinance Options for Existing Fannie Mae Loans (.pdf)

Resources





Reference FAQs (.pdf)

Options Matrix (.pdf)

Fact Sheet (.pdf)

Pricing Matrix (.pdf)

Refinance Toolbox
for Lenders (.pdf)


Education Recorded Tutorial




Desktop Underwriter Release Notes


Other

source:https://www.efanniemae.com/sf/mha/mharefi/
FHFA Statement (.pdf)




2001 Acura MDX Owners Manual

2001 Acura MDX Owners Manual - Welcome to our site and may you enjoy the article below. What are you looking for is available here. But it's much better if you read the review of it firstly. Okay, here's the review.

This Owner’s Manual should be considered a permanent part of the car, and should remain with the car when it is sold. This Owner’s Manual covers all models of the 2001 Acura MDX. You may find descriptions of equipment and features that are not on your particular model. One of the best ways to enhance the enjoyment of your new Acura is to read this manual. In it, you will learn how to operate its driving controls and convenience items. Afterwards, keep this owner’s manual in your car so you can refer to it at any time.

One of the best ways to enhance the enjoyment of your new Acura is to read this manual. In it, you will learn how to operate its driving controls and convenience items. Afterwards, keep this owner’s manual in your car so you can refer to it at any time. The information and specifications included in this publication were in effect at the time of approval for printing. Honda Motor Co., Ltd. reserves the right, however, to discontinue or change specifications or design at any time without notice and without incurring any obligation whatsoever.

Download 2001 Acura MDX Owners Manual

2001 Honda Civic Owners Manual

2001 Honda Civic Owners Manual - Welcome to our site and may you enjoy the article below. What are you looking for is available here. But it's much better if you read the review of it firstly. Okay, here's the review.

Congratulations Your selection of a 2001 Honda Civic was a wise investment. It will give you years of driving pleasure. One of the best ways to enhance the enjoyment of your new Honda is to read this manual. In it, you will learn how to operate its driving controls and convenience items. Afterwards, keep this owner’s manual in your car so you can refer to it at any time.

One of the best ways to enhance the enjoyment of your new Honda is to read this manual. In it, you will learn how to operate its driving controls and convenience items. Afterwards, keep this owner’s manual in your car so you can refer to it at any time. Maintaining your car according to the schedules given in this manual helps to keep your driving trouble-free while it preserves your investment. When your car needs maintenance, keep in mind that your Honda dealer’s staff is specially trained in servicing the many systems unique to your Honda. Your Honda dealer is dedicated to your satisfaction and will be pleased to answer any questions and concerns.

Download 2001 Honda Civic Owners Manual

Sunday 23 October 2011

2011 Jeep Patriot Owners Manual

2011 Jeep Patriot Owners Manual - Welcome to our blog and enjoy the article as well. Guys, what are you looking for is here. You can also download it for free. But much better if you read the review of it firstly. Well, here is the review.

2011 Jeep Patriot is kind of vehicle that is able to meet certain off-road regulations to follow the standard attractions such as water fording, ground clearance and more. Jeep Patriot is available with two four-wheel-drive system with five seats. The biggest of the Jeep Patriot Competitors include the Honda CR-V, Subaru Forester and Ford Escape. Below are 2011 jeep patriot reviews about its feature and design that you may interest in reading.

There are some differences between 2011 Jeep Patriot with the old ones. One thing that distinguishes Jeep Patriot 2011 with its predecessors is its smaller size and models at the front event of an unwanted thing. It also has a strong character on the exterior design. Crossover gets new front bumpers with repositioned fog lights are standard. At the rear, there is a new style rear bumper. It has a seven-slot grille, round headlights and trapezoidal wheel-well openings. Other exterior features includes optional sun roof, a standard side roof rails, optional standard 16-inch steel wheels with 17-inch aluminum rims, and optional power heated side mirrors.

Click here to download 2011 Jeep Patriot Owners Manual

Sunday 9 October 2011

Student Loan Forgiveness Programs 2011

Student Loan Forgiveness Programs 2011 - If you are under pressure due to the student loans taken for higher education which you are unable to repay, then you can get respite from student loan forgiveness. This can help you in eliminating some of your student loans or remove all of it if you choose to work in specific areas which involve serving the people like military service or volunteer work.

Student Loan Forgiveness can help to eliminate as much as few thousand dollars to about over $100,000 of student loans. It however, receives lesser number of applications every year as many graduates are quite unaware of this facility. This forgives is dependent on the kind of degree you have chosen and your current profession.

Eligibility for the loan forgiveness program in 2011

You will be eligible for student loan forgiveness program if you are employed full-time in an occupation which would benefit the general public and be of service to the community like the following:
  • Child Welfare Workers
  • Dentists
  • Early childhood educators
  • Foreign language specialists
  • Teachers teaching students from the low-income communities or who are not very proficient in English language
  • Researchers in the field of applied sciences, technology, engineering or mathematics
  • Librarians, Public sector employees,
  • Nurses, Nutrition professionals, Occupational therapists
  • School counselors, Speech-language pathologists and audiologists, Superintendents, principals and other educational administrators
 Benefits of Student Loan Forgiveness in 2011
    In the recent scenario, if you are a student, then you will have to pay about 15% of discretionary income towards loan repayment every month. This can leave you with quite little balance and at time even in debt. To ease students like you, President Barack Obama introduced the Obama Student Loan Forgiveness Program which has had its share of controversies and debates.

    Through this program, he announced a lot of reforms which can reduce your burden of repayment of student loans. Though it can provide you a lot of relief when in debt due to student loans, you can avail it only if you have chosen Federal Stafford, Grad Plus, and Perkins loans offered by government. It is however not applicable if you have student loans by Sallie Mae, Chase or other private banking institutions. It can help you tremendously in various ways like:
    • Loan Repayments Percentage helps in reducing the monthly instalment from about 15% of discretionary income to 10%.
    • Loan Period under the Obama Student Loan Forgiveness Act is reduced from 25 years to 20 years which indicates that if you have been paying your monthly instalments on time and without defaulting for the duration of 20 years then the remainder of the student loan will be forgiven by the federal government.
    • You will get added benefit like further reduction of period before forgiveness if you choose to opt for a public service job. The benefit can be as much as 10 years reduced before loan forgiveness resulting in only 10 years of student loan debt.
    Therefore, student loan forgiveness program has better features in 2011 helping students to have lesser burden of paying huge amount of money as student loan every month.
    source :http://www.studentloaninfo.org/studentloantypes/student-loans-forgiveness.html