10 Differences Between Macs and PCs. At a time when many PC manufacturers have shipped their service centers overseas, Mac users can get face-to-face assistance from a technician at the Genius Bar help desk located in any Apple Store. It also helps that Apple has a centralized identity. If you have a problem with a Mac computer. The most common question (which is really a mistake) is what is the difference between a MAC-10 and a MAC-11 in 9 mm. For those of you who are into MACs, you know that the MAC-11 is the.380 version of the gun (Table 1). This question is usually meant to be, 'What is the difference between a MAC.
With two completely different methods to reconcile Quicken Mac's methodology may, or may not, be intuitive to you. From looking at the menu choices if you left click on the Status column you will see that this column is intended to have the blue dot or pencil removed to indicate you reviewed the transaction. The Clear (clr) column is to indicate if it is reconciled. This work flow probably is intuitive if you use the Onine Balance method for reconciling your account. I use the statement method to reconcile and the designed work flow just doesn't make sense to me. So, I do it my way. I leave the Status column alone and let it show how the transaction was entered. A blue dot means it was downloaded, a brown pencil means it was manually entered and has not been matched with a downloaded transaction, and a blue pencil means it was manually entered and matched. I remove the blue checks in the Clear column before I reconcile and step through the statement checking them off one by one. When I finish the reconcile Quicken turns the checkmarks green. This is how Quicken has worked for me since I started using Quicken in the 1980's. You will find some users here adament about using the Quicken columns in a specified method. But you are free to use any method that makes sense for you. After all, the software should support your work processes not you the software's.
What Is The Difference Between Fannie Mae And Freddie Mac
This BLOG On What Is The Difference Between Fannie Mae And Freddie Mac Was UPDATED On May 20th, 2018d
Ivms 4200 for mac manual. The two mortgage giants that is responsible of purchasing conforming loans are the following:
Fannie Mae
Freddie Mac
Fannie Mae and Freddie Mac are called government sponsored enterprises (GSE) and are regulated by the Federal Finance Housing Agency (FHFA).
Majority of mortgage lenders are Fannie Mae mortgage lenders.
Chances are when borrowers apply for mortgage, lender, particular mortgage lender will submit file to Fannie Mae
More than 90% of all lenders use Fannie Mae when running conventional loans
Fannie Mae and Freddie Mac are the two giant government sponsored mortgage companies
Their role is to purchase mortgage loans are originated and funded by banks, credit unions, and mortgage companies in the United States
Fannie Mae has different mortgage guidelines than Freddie Mac
Freddie Mac has different lending guidelines than Fannie Mae
If a lender cannot get an automated approval from DU, DESKTOP UNDERWRITER, which is Fannie Mae, the lender can submit it to LP, LOAN PROSPECTOR, Freddie Mac’s AUS
May get an automated approval per Freddie Mac’s automated underwriting system, LP FINDINGS
Not all lenders do both Fannie Mae and Freddie Mac
Most lenders can only underwrite Fannie Mae loans and not Freddie Mac
I am able to do both, Fannie Mae and Freddie Mac mortgage loans
So if I cannot get an approve/eligible per DU FINDINGS, I can run it through LP and see if I can get an approve/eligible per LP FINDINGS
There is a difference between Fannie Mae and Freddie Mac lending guidelines
Difference Between Fannie Mae And Freddie Mac
There are times where I expect an approve/eligible per DU FINDINGS, FANNIE MAE APPROVE/ELIGIBLE PER AUTOMATED UNDERWRITING SYSTEM. But for whatever reason cannot get an approve/eligible per FANNIE MAE, If I get a referred/eligible per DU FINDINGS, prior to taking file through manual underwriting, I submit it to Freddie Mac’s Automated Underwriting System, LOAN PROSPECTOR ( LP ). Surprising I can sometimes get an approve/eligible per LP FINDINGS
Countless of times I have run into situations where I get a denial with Fannie Mae but get approved with Freddie Mac
There is a difference between Fannie Mae ad Freddie Mac automated underwriting system
Many times, Fannie Mae has difficulty with accepting borrowers getting a gift
Fannie Mae does not like gift funds
Especially from mortgage loan applicants with lower credit scores, higher debt to income ratios and limited credit trade lines on their credit report
Freddie Mac is not as picky with regards to gift funds like Fannie Mae
Many times when borrowers gets denied by Fannie Mae, they may get approved with Freddie Mac
Fannie Mae may turn down a mortgage application with errors on the credit reportt
But Freddie Mac may approve that file turned down by Fannie Mae
Pros And Cons On Fannie Mae And Freddie Mac
Freddie Mac is more lenient with mortgage loan applicants with poor credit history and lower credit scores.
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Freddie Mac is also more lax on higher debt to income ratios
This is so especially those mortgage loan applicant’s with debt to income ratios as high as 50% DTI
Freddie Mac is also more aggressive and understanding on mortgage applicant’s who has limited credit trade lines and credit history
Fannie Mae likes to see a minimum of 3 aged credit trade lines
If the mortgage loan applicant has less than 3 credit trade lines and cannot get an approve/eligible per DU FINDINGS, I suggest the loan officer to submit to Freddie Mac
Difference Between Clear And Manual Machine
Credit Report And Automated Underwriting System
Difference Between Clear And Manual Mac Os
Fannie Mae does not recognize errors on a consumer’s credit report like Freddie Mac does.
For example, say a mortgage loan applicant filed bankruptcy
The bankruptcy was discharged 2 years ago
All of the creditors were part of his or her bankruptcy
But one of the credit trade lines that was included in the bankruptcy is still reporting as active
Fannie Mae may deny mortgage application with this error but Freddie Mac may approve it
FHA Lending Guidelines And Automated Approval
Difference Between Clear And Manual Mac Pro
Fannie Mae and Freddie Mac lending guidelines differs than FHA loans. With FHA Home Loans, Underwriters need to follow the FHA TOTAL SCORE CARD, which are FHA lending guidelines. The main difference between Fannie Mae and Freddie Mac is how Fannie Mae automated underwriting system interprets a mortgage loan application versus how Freddie Mac’s Automated Underwriting System interprets it. When choosing a lender, make sure that the particular mortgage lender you choose is able to do both Fannie Mae and Freddie Mac mortgage loans.