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Qualifying for a real estate purchase requires different cre
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Qualifying for a real estate purchase requires different credit than auto financing or credit cards. In fact
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, you may be able to go out and buy a new car today, but you might be turned down for a home mortgage. On the other hand, you could go out and buy a house and be turned down for an auto loan.


Perhaps you recently applied for a line of credit and were told that your credit score was excellent. When you apply for an auto loan or a consumer credit card, the scoring model computes a different credit score than when a mortgage lender runs your credit. Your credit scores differ for different types of loans. Plus, mortgage lenders run all three credit reports and usually take your middle score as their basis for your loan requirements.


However, some mortgage companies
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, especially non-prime lenders, will use your highest credit score. For a mortgage refinance, some lenders don't even run a new credit report if all your mortgage payments were made on time. They use the credit score from when you first applied with them.


Besides your credit score, mortgage lenders consider your debt-to-income ratio and other credit matters, unlike other types of credit grantors. Your debt-to-income ratio is the comparison of mortgage payment, including taxes
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, interest, and insurance to your total gross monthly income.


Real estate lenders also consider: Your education

Your income
Your employment qualifications
Your overall monthly debt payments

Understanding the difference between good credit and the credit needed for real estate mortgages helps you refinance your mortgage or buy your dream home.


Copyright ? 2005 Jeanette J. Fisher All Rights Reserved.


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None of the ladies would be willing to miss the chance of buying louboutin shoes in a low price ! People are just the greedy animals , they always want more
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, for the money , and also Christian Louboutin Pumps Sale . I think it is well-known to the ladies all over the world , every year when the Christian Louboutin Pumps Sale is hold , they can gather the ladies from all over the world .

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Submitted 2019-03-05 12:08:16 That science is best left to the professionals and experts has been the conventional wisdom for decades, if not centuries. This is changing, however
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, thanks to some scientists, a whole lot of drone propellers, and groups of committed citizen scientists. Thanks to drones, people without scientific training can now contribute to scientific research in a number of fascinating capacities. Those contributions, however, aren鈥檛 without some unique challenges.

The Contributions

For the sake of transparency
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, it鈥檚 worth noting that this is not the first time that scientists have employed citizen scientists, and the information they gather, as important contributors to our collective scientific understanding. In fact, this has been taking place well before drones ever existed. Two good examples are involvement in the Cooperative Weather Service, which began in 1890, and the Christmas Bird Count
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, which started in restingly, drone-assisted research today is in similar fields. So far, the fields in which citizen drone-using scientists seem to have contributed the most are animal (including bird) information and climate research.

Perhaps one of the best realizations of scientists and citizen scientists cooperating was Australia鈥檚 鈥淓pic Duck Challenge鈥?in 2018, which involved a small army of volunteers setting up thousands of fake ducks on a beach to measure the accuracy of drone wildlife counts. Citizen scientists have used drones to study El Ni帽o, record bird songs and populations, and study animal population movement as well as the effect of the noise of a drone motor on the populations beings studied. Drones have been used to observe erosion
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, monitor the behavior of sea turtles and whales, inspect the health of reefs, etc. In fact, the information provided by citizen scientists with drones can prove as helpful as data gathered by traditional scientists due to the wealth of information citizen scientists collect.

The Challenges

Not that the use of citizen scientists is wholly without issues. Those issues, however, are often not the fault of the citizen scientists. For instance
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, a group of climatologists engaged a group of citizens to use photography drones to record the influence of El Ni帽o on the tides. Unfortunately, the climatologists failed to specify that they most needed images from high tide, limiting the usable data. There are also often separate FAA rules for professionals and hobbyists and distinguishing which of those citizen scientists are can be tough to establish.

There are also practical concerns. The fact that citizen scientists are everyday people means that they often m.
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