dogdoc Posted September 12, 2011 Report Share Posted September 12, 2011 It is amazing at times he can look like such an awesome QB but man does this guy fold under pressure. After he threw the interception the announcers were putting some blame on Dez. I know he was a little injured but I saw no blame on Dez. Tony is the one who decided to throw the ball in thick double coverage and under threw the ball right in the defender's chest. todd Quote Link to comment Share on other sites More sharing options...
muggs Posted September 12, 2011 Report Share Posted September 12, 2011 Yeah, the evidence is there...he makes terrible decisions when his team needs him to be smart with the ball. He's talented, I'll give you that, but the guy has everything working for him. This Dez Bryant kid is the real deal. Before he got injured and started cramping he was controlling that game against a great defense. He owned the Jets in that 1st quarter. On top of that, Romo has Miles Austin, Whitten, a solid Oline, Felix Jones, Jason Garrett in his corner...he's got everything a QB needs to be sucessful but still can't put it all together. The Cowboys have crazy talent on both sides of the ball but they won't be a serious contender until they find a new QB. Quote Link to comment Share on other sites More sharing options...
The_Kat Posted September 12, 2011 Report Share Posted September 12, 2011 he is a cocky son of a (realtree edit word). I wanna see someone knock that smartass little grin right off his face every he makes a mistake. He totally cost the cowboys that game hands down. I say bring Kitna back as the starter. I can't stand Tony Romo at all. CHOKE CHOKE CHOKE! Quote Link to comment Share on other sites More sharing options...
texastrophies Posted September 19, 2011 Report Share Posted September 19, 2011 How do you like him now? Quote Link to comment Share on other sites More sharing options...
Immunkneubs Posted September 20, 2011 Report Share Posted September 20, 2011 in the red easement 1. What is a reverse mortgage? A reverse mortgage me reverse mortgage is a special type of home loan that lets you convert a portion of the equity in your home into cash. The equity that built up over years of home mortgage payments can be paid to you. But unlike a traditional home equity loan or second mortgage, no repayment is required until the borrower(s) no longer use the home as their principal residence or fail to meet the obligations of the mortgage. You can also use a HECM to purchase a primary residence if you are able to use cash on hand to pay the difference between the HECM proceeds and the sales price plus closing costs for the property you are purchasing. 2. Can I qualify for FHA's HECM reverse mortgage? To be eligible for a FHA HECM, the FHA requires that you be a homeowner 62 years of age or older, own your home outright, or have a low mortgage balance that can be paid off at closing with proceeds from the reverse loan, and you must live in the home. You are also required to receive consumer information free or at very low cost from a HECM counselor prior to obtaining the loan. You can find a HECM counselor online or by phoning (800) 569-4287. 3. Can I apply if I didn't buy my present house with FHA mortgage insurance? Yes. It doesn't matter if you didn't buy it with an FHA-insured mortgage. Your new FHA HECM will be FHA-insured. 4. What types of homes are eligible? To be eligible for the FHA HECM, your home must be a single family home or a 1-4 unit home with one unit occupied by the borrower. HUD-approved condominiums and manufactured homes that meet FHA requirements are also eligible. 5. What's the difference between a reverse mortgage and a bank home equity loan? With a traditional second mortgage, or a home equity line of credit, you must have sufficient income versus debt ratio to qualify for the loan, and you are required to make monthly mortgage payments. The reverse mortgage is different in that it pays you, and is available regardless of your current income. The amount you can borrow depends on your age, the current interest rate, and the appraised value of your home, sales price or FHA's mortgage limits, whichever is less. Generally, the more valuable your home is, the older you are, the lower the interest, the more you may borrow. With a HECM, you don't make monthly principal and interest payments, the lender pays you according to the payment plan you select. Like all homeowners, you still are required to pay your real estate taxes, insurance and other conventional payments like utilities. With an FHA HECM you cannot be foreclosed or forced to vacate your house because you "missed your mortgage payment." 6. Will I still have an estate that I can leave to my heirs? When you sell your home, you or your estate will repay the cash you received from the reverse mortgage plus interest and other fees, to the lender. The remaining equity in your home, if any, belongs to you or to your heirs. 7. How much money can I get from my home? The amount you can borrow depends on: Age of the youngest borrower Current interest rate Lesser of the appraised value of your home, the HECM FHA mortgage limit for your area or the sales price The initial Mortgage Insurance Premium (MIP) option you choose (2% HECM Standard option or .01% HECM Saver option) You can borrow more with the HECM Standard option. Also, the more valuable your home is, the older you are, and the lower the interest rate, the more you can borrow. If there is more than one borrower, the age of the youngest borrower is used to determine the amount you can borrow. For an estimate of HECM cash benefits, select an online calculator from the HECM Home Page. You can use an like the one on the AARP website to get an idea of what you may be able to borrow. 8. Should I use an estate planning service to find a reverse mortgage? FHA does NOT recommend using any service that charges a fee for referring a borrower to an FHA lender. FHA provides this information free, and HECM housing counselors are available for free or at very low cost, to provide information, counseling, and a free referral to a list of FHA-approved lenders. Search online or call (800) 569-4287 toll-free, for the name and location of a HUD-approved housing counseling agency near you. 9. How do I receive my payments? You have five options: Tenure - equal monthly payments as long as at least one borrower lives and continues to occupy the property as a principal residence. Term - equal monthly payments for a fixed period of months selected. Line of Credit - unscheduled payments or installments, at times and in amounts of your choosing until the line of credit is exhausted. Modified Tenure - combination of line of credit with monthly payments for as long as you remain in the home. Modified Term - combination of line of credit plus monthly payments for a fixed period of months selected by the borrower. reversemortgage1. What is a reverse mortgage? A reverse mortgage is a special type of home loan that lets you convert a portion of the equity in your home into cash. The equity that built up over years of home mortgage payments can be paid to you. But unlike a traditional home equity loan or second mortgage, no repayment is required until the borrower(s) no longer use the home as their principal residence or fail to meet the obligations of the mortgage. You can also use a HECM to purchase a primary residence if you are able to use cash on hand to pay the difference between the HECM proceeds and the sales price plus closing costs for the property you are purchasing. 2. Can I qualify for FHA's HECM reverse mortgage? To be eligible for a FHA HECM, the FHA requires that you be a homeowner 62 years of age or older, own your home outright, or have a low mortgage balance that can be paid off at closing with proceeds from the reverse loan, and you must live in the home. You are also required to receive consumer information free or at very low cost from a HECM counselor prior to obtaining the loan. You can find a HECM counselor online or by phoning (800) 569-4287. 3. Can I apply if I didn't buy my present house with FHA mortgage insurance? Yes. It doesn't matter if you didn't buy it with an FHA-insured mortgage. Your new FHA HECM will be FHA-insured. 4. What types of homes are eligible? To be eligible for the FHA HECM, your home must be a single family home or a 1-4 unit home with one unit occupied by the borrower. HUD-approved condominiums and manufactured homes that meet FHA requirements are also eligible. 5. What's the difference between a reverse mortgage and a bank home equity loan? With a traditional second mortgage, or a home equity line of credit, you must have sufficient income versus debt ratio to qualify for the loan, and you are required to make monthly mortgage payments. The reverse mortgage is different in that it pays you, and is available regardless of your current income. The amount you can borrow depends on your age, the current interest rate, and the appraised value of your home, sales price or FHA's mortgage limits, whichever is less. Generally, the more valuable your home is, the older you are, the lower the interest, the more you may borrow. With a HECM, you don't make monthly principal and interest payments, the lender pays you according to the payment plan you select. Like all homeowners, you still are required to pay your real estate taxes, insurance and other conventional payments like utilities. With an FHA HECM you cannot be foreclosed or forced to vacate your house because you "missed your mortgage payment." 6. Will I still have an estate that I can leave to my heirs? When you sell your home, you or your estate will repay the cash you received from the reverse mortgage plus interest and other fees, to the lender. The remaining equity in your home, if any, belongs to you or to your heirs. 7. How much money can I get from my home? The amount you can borrow depends on: Age of the youngest borrower Current interest rate Lesser of the appraised value of your home, the HECM FHA mortgage limit for your area or the sales price The initial Mortgage Insurance Premium (MIP) option you choose (2% HECM Standard option or .01% HECM Saver option) You can borrow more with the HECM Standard option. Also, the more valuable your home is, the older you are, and the lower the interest rate, the more you can borrow. If there is more than one borrower, the age of the youngest borrower is used to determine the amount you can borrow. For an estimate of HECM cash benefits, select an online calculator from the HECM Home Page. You can use an like the one on the AARP website to get an idea of what you may be able to borrow. 8. Should I use an estate planning service to find a reverse mortgage? FHA does NOT recommend using any service that charges a fee for referring a borrower to an FHA lender. FHA provides this information free, and HECM housing counselors are available for free or at very low cost, to provide information, counseling, and a free referral to a list of FHA-approved lenders. Search online or call (800) 569-4287 toll-free, for the name and location of a HUD-approved housing counseling agency near you. 9. How do I receive my payments? You have five options: Tenure - equa reverse mortgage problemsl monthly payments as long as at least one borrower lives and continues to occupy the property as a principal residence. Term - equal monthly payments for a fixed period of months selected. Line of Credit - unscheduled payments or installments, at times and in amounts of your choosing until the line of credit is exhausted. Modified Tenure - combination of line of credit with monthly payments for as long as you remain in the home. Modified Term - combination of line of credit plus monthly payments for a fixed period of months selected by the borrower. 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Immunkneubs Posted September 20, 2011 Report Share Posted September 20, 2011 in hock elimination 1. What is a reverse mortgage? A reverse mortgage apply for reverse mortgage is a special type of home loan that lets you convert a portion of the equity in your home into cash. The equity that built up over years of home mortgage payments can be paid to you. But unlike a traditional home equity loan or second mortgage, no repayment is required until the borrower(s) no longer use the home as their principal residence or fail to meet the obligations of the mortgage. You can also use a HECM to purchase a primary residence if you are able to use cash on hand to pay the difference between the HECM proceeds and the sales price plus closing costs for the property you are purchasing. 2. Can I qualify for FHA's HECM reverse mortgage? To be eligible for a FHA HECM, the FHA requires that you be a homeowner 62 years of age or older, own your home outright, or have a low mortgage balance that can be paid off at closing with proceeds from the reverse loan, and you must live in the home. You are also required to receive consumer information free or at very low cost from a HECM counselor prior to obtaining the loan. You can find a HECM counselor online or by phoning (800) 569-4287. 3. Can I apply if I didn't buy my present house with FHA mortgage insurance? Yes. It doesn't matter if you didn't buy it with an FHA-insured mortgage. Your new FHA HECM will be FHA-insured. 4. What types of homes are eligible? To be eligible for the FHA HECM, your home must be a single family home or a 1-4 unit home with one unit occupied by the borrower. HUD-approved condominiums and manufactured homes that meet FHA requirements are also eligible. 5. What's the difference between a reverse mortgage and a bank home equity loan? With a traditional second mortgage, or a home equity line of credit, you must have sufficient income versus debt ratio to qualify for the loan, and you are required to make monthly mortgage payments. The reverse mortgage is different in that it pays you, and is available regardless of your current income. The amount you can borrow depends on your age, the current interest rate, and the appraised value of your home, sales price or FHA's mortgage limits, whichever is less. Generally, the more valuable your home is, the older you are, the lower the interest, the more you may borrow. With a HECM, you don't make monthly principal and interest payments, the lender pays you according to the payment plan you select. Like all homeowners, you still are required to pay your real estate taxes, insurance and other conventional payments like utilities. With an FHA HECM you cannot be foreclosed or forced to vacate your house because you "missed your mortgage payment." 6. Will I still have an estate that I can leave to my heirs? When you sell your home, you or your estate will repay the cash you received from the reverse mortgage plus interest and other fees, to the lender. The remaining equity in your home, if any, belongs to you or to your heirs. 7. How much money can I get from my home? The amount you can borrow depends on: Age of the youngest borrower Current interest rate Lesser of the appraised value of your home, the HECM FHA mortgage limit for your area or the sales price The initial Mortgage Insurance Premium (MIP) option you choose (2% HECM Standard option or .01% HECM Saver option) You can borrow more with the HECM Standard option. Also, the more valuable your home is, the older you are, and the lower the interest rate, the more you can borrow. If there is more than one borrower, the age of the youngest borrower is used to determine the amount you can borrow. For an estimate of HECM cash benefits, select an online calculator from the HECM Home Page. You can use an like the one on the AARP website to get an idea of what you may be able to borrow. 8. Should I use an estate planning service to find a reverse mortgage? FHA does NOT recommend using any service that charges a fee for referring a borrower to an FHA lender. FHA provides this information free, and HECM housing counselors are available for free or at very low cost, to provide information, counseling, and a free referral to a list of FHA-approved lenders. Search online or call (800) 569-4287 toll-free, for the name and location of a HUD-approved housing counseling agency near you. 9. How do I receive my payments? You have five options: Tenure - equal monthly payments as long as at least one borrower lives and continues to occupy the property as a principal residence. Term - equal monthly payments for a fixed period of months selected. Line of Credit - unscheduled payments or installments, at times and in amounts of your choosing until the line of credit is exhausted. Modified Tenure - combination of line of credit with monthly payments for as long as you remain in the home. Modified Term - combination of line of credit plus monthly payments for a fixed period of months selected by the borrower. reverse mortgages for seniors1. What is a reverse mortgage? A reverse mortgage is a special type of home loan that lets you convert a portion of the equity in your home into cash. The equity that built up over years of home mortgage payments can be paid to you. But unlike a traditional home equity loan or second mortgage, no repayment is required until the borrower(s) no longer use the home as their principal residence or fail to meet the obligations of the mortgage. You can also use a HECM to purchase a primary residence if you are able to use cash on hand to pay the difference between the HECM proceeds and the sales price plus closing costs for the property you are purchasing. 2. Can I qualify for FHA's HECM reverse mortgage? To be eligible for a FHA HECM, the FHA requires that you be a homeowner 62 years of age or older, own your home outright, or have a low mortgage balance that can be paid off at closing with proceeds from the reverse loan, and you must live in the home. You are also required to receive consumer information free or at very low cost from a HECM counselor prior to obtaining the loan. You can find a HECM counselor online or by phoning (800) 569-4287. 3. Can I apply if I didn't buy my present house with FHA mortgage insurance? Yes. It doesn't matter if you didn't buy it with an FHA-insured mortgage. Your new FHA HECM will be FHA-insured. 4. What types of homes are eligible? To be eligible for the FHA HECM, your home must be a single family home or a 1-4 unit home with one unit occupied by the borrower. HUD-approved condominiums and manufactured homes that meet FHA requirements are also eligible. 5. What's the difference between a reverse mortgage and a bank home equity loan? With a traditional second mortgage, or a home equity line of credit, you must have sufficient income versus debt ratio to qualify for the loan, and you are required to make monthly mortgage payments. The reverse mortgage is different in that it pays you, and is available regardless of your current income. The amount you can borrow depends on your age, the current interest rate, and the appraised value of your home, sales price or FHA's mortgage limits, whichever is less. Generally, the more valuable your home is, the older you are, the lower the interest, the more you may borrow. With a HECM, you don't make monthly principal and interest payments, the lender pays you according to the payment plan you select. Like all homeowners, you still are required to pay your real estate taxes, insurance and other conventional payments like utilities. With an FHA HECM you cannot be foreclosed or forced to vacate your house because you "missed your mortgage payment." 6. Will I still have an estate that I can leave to my heirs? When you sell your home, you or your estate will repay the cash you received from the reverse mortgage plus interest and other fees, to the lender. The remaining equity in your home, if any, belongs to you or to your heirs. 7. How much money can I get from my home? The amount you can borrow depends on: Age of the youngest borrower Current interest rate Lesser of the appraised value of your home, the HECM FHA mortgage limit for your area or the sales price The initial Mortgage Insurance Premium (MIP) option you choose (2% HECM Standard option or .01% HECM Saver option) You can borrow more with the HECM Standard option. Also, the more valuable your home is, the older you are, and the lower the interest rate, the more you can borrow. If there is more than one borrower, the age of the youngest borrower is used to determine the amount you can borrow. For an estimate of HECM cash benefits, select an online calculator from the HECM Home Page. You can use an like the one on the AARP website to get an idea of what you may be able to borrow. 8. Should I use an estate planning service to find a reverse mortgage? FHA does NOT recommend using any service that charges a fee for referring a borrower to an FHA lender. FHA provides this information free, and HECM housing counselors are available for free or at very low cost, to provide information, counseling, and a free referral to a list of FHA-approved lenders. Search online or call (800) 569-4287 toll-free, for the name and location of a HUD-approved housing counseling agency near you. 9. How do I receive my payments? You have five options: Tenure - equa texas reverse mortgagel monthly payments as long as at least one borrower lives and continues to occupy the property as a principal residence. Term - equal monthly payments for a fixed period of months selected. Line of Credit - unscheduled payments or installments, at times and in amounts of your choosing until the line of credit is exhausted. Modified Tenure - combination of line of credit with monthly payments for as long as you remain in the home. Modified Term - combination of line of credit plus monthly payments for a fixed period of months selected by the borrower. 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Muff Posted September 20, 2011 Report Share Posted September 20, 2011 Still Tony OhNo! Quote Link to comment Share on other sites More sharing options...
The_Kat Posted September 20, 2011 Report Share Posted September 20, 2011 one game doesn't make up for many seasons of stupidity. Quote Link to comment Share on other sites More sharing options...
Dawg Posted September 20, 2011 Report Share Posted September 20, 2011 I'm still a Cowboys fan though. Gotta have faith!!!.......and lots of it. Quote Link to comment Share on other sites More sharing options...
RangerClay Posted September 20, 2011 Report Share Posted September 20, 2011 How do you like him now? I know you are from Texas and required by law to root for the Cowboys or the Texans but stepping up to the plate in one game does not erase years of inconsistant decision making. Quote Link to comment Share on other sites More sharing options...
texastrophies Posted September 20, 2011 Report Share Posted September 20, 2011 It will be a cold day you know where before I root for the texans. I been a cowboy fan for as long as I have been a football fan. Through both the good and the not so good. I agree that Romo is not as good as they made him out to be after his first year, but at the same time he is not exactly bad either, but he does have his moments and they usually seem to come at the most critical time... i.e. choke. But I will gladly take him over every other qb Dallas has had since Aikman left the scene. Dallas will be in the playoffs again this year and most likely exit early, but that is still better than what the texans will do and the majority of the remaining teams also. Quote Link to comment Share on other sites More sharing options...
muggs Posted September 21, 2011 Report Share Posted September 21, 2011 Dallas will be in the playoffs again this year and most likely exit early, but that is still better than what the texans will do and the majority of the remaining teams also. If you're not first, you're last. Quote Link to comment Share on other sites More sharing options...
texastrophies Posted September 22, 2011 Report Share Posted September 22, 2011 If you're not first, you're last. No, I am quite sure that place will be reserved for either the browns and/or the bengals Quote Link to comment Share on other sites More sharing options...
muggs Posted September 22, 2011 Report Share Posted September 22, 2011 Aaaaahhhhh Zing!!! :no: Since the Browns returned to the NFL, the Cowboys have won as many Super Bowls as they have, cheech. Fact. In the 90s your Boys won a few with a bunch of cocaine abusers...wow, great. Quote Link to comment Share on other sites More sharing options...
Muff Posted October 2, 2011 Report Share Posted October 2, 2011 HA HA...LOL.....Hero to Zero again Quote Link to comment Share on other sites More sharing options...
dogdoc Posted October 3, 2011 Author Report Share Posted October 3, 2011 Almost as bad as the Red Sox's flop! Quote Link to comment Share on other sites More sharing options...
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