Porting is for you if you get better rates in doing so. Porting is carrying over the contract to the new property. If you sell the current house with the equity and apply a new mortgage, you will be able to save on payments especially if the rates are lower now. You can then have a substantial down payment on the smaller house, have a lower rate mortgage and hopefull have some cash left.

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When i got advice from my mortgage advisor, i specifically asked for a mortgage that was portable as i was still contemplating moving. 3 months in and i have found a nice proprty, i rang the mortgage lendor who have now said i cannott port the mortgage for 9 months ( 12 months total). wouldnt be so bad but the early repayment charge is over 5 grand!

Suing him wont work unless you have it in writing that that was that you agreed to. What you can try is if the guy remembers you and the whole process it cause a big scene at the office and if they still wont help, do legal protects in which time the bad publicity might cut you a deal.

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Professional summary over 25 years experience in various phases of the construction industry, superior carpentry, installation skills and mechanical skills including vocational school training, on the job training and self education / sales and marketing skills applied in interior shutter, home inspection and moving industries / superior moving skills as well project management: hired as subcontractor to install atm’s in publix grocery stores from sebastian to miami for golden eagle implementation services / hired as subcontractor to measure, sell and install interior shutters for shutter resources through out the treasure coast of florida / hired as subcontractor to perform home inspections for accurate inspectors inc. from sebastian to boca raton / co- owner and foreman for hoopers metals inc. over saw metal framing crew for installation of interior framing of new homes / owner of the furniture men a moving company, managed a crew of 12 men oral and written communications: verbally communicated and delegated various duties to work force personnel, verbally communicated with customers, clients and representatives as to scheduling and other pertinent details / wrote numerous inventories, sales and billing invoices, filled out and filed hand written and typed all necessary forms and reports /submitted these forms and reports to appropriate dept. heads of staff, senior officials and superiors. rendered final decisions and directions on operational procedures when needed. leadership: highly regarded by superiors, colleagues and subordinates as a qualified leader with lead by example work ethics / set high performance standards for self and crew, including time management, work assignments and procedure compliance. exemplary oral, written skills and presentation skills and ability to communicate with all levels. experience: field inspector 04/2007 to present accurate inspectors inc. 40hr / wk p.o. box salary: $350 pw+ port orange, fl. supervisor: dave k telephone: 866-480- perform residential and commercial inspection for insurance company‘s, realtors, mortgage brokers and home owners •conduct exterior and interior visual inspection of roofing system geometry, tie downs structural integrity and overall condition •conduct visual inspection of air conditioning and heating units for age and overall condition physically test units for adequate performance •conduct visual inspection of plumbing fixtures, pipes, sinks, toilets, water heaters for leaks and physically check for proper operation •conduct visual inspection and physical testing of electrical system to make a determination of whether or not system is up to local code, grounded, type of wiring used, any unsafe wiring and if required outlets are gfi protected •conduct visual inspection of hurricane protection for proper installation, type of material and it’s quality for a windstorm mitigation inspection •collect data , report all defects and complete all necessary forms including submitting all required photos along with completed forms •communicate with superiors, colleagues, clients and customers for scheduling, report discrepancy’s, inquiries and relevant questions. •implementing and applying marketing, advertising and sales techniques via the internet, newspapers and personally performing door to door marketing mark field technician / salesman 01/2007 to 04/2007 shutterresources 40h/wk hwy 50 salary $1,000 pw orlando, fl. supervisor: jeff telephone: 407-568-8753 perform sales, installation and manage satellite warehouse for interior shutter company •perform sales presentation with customer in person / discuss styles, materials and prices •measure all requested openings for custom interior decorative plantation shutter’s •complete and submit all necessary sales form’s and dim

i will give you a 9.5

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Then, read it through carefully and correct the errors by inserting the proper punctuation marks or deleting those that are incorrect. post the revised copy in the provided text box. foreclosure filings hit record high by kenneth musante, cnnmoney posted: 2008-05-14 13:00:31 new york (may 14) -- us foreclosure filings reached a record high in april rising almost 65% over the previous year and putting municipalities at risk by cutting into the value of taxed property according to a study released wednesday. some 243,353 households nearly one in 519 received a foreclosure filing during april according to the us foreclosure market report from realtytrac an online marketplace that tracks foreclosed properties that was up 4% from march, and surpassed the record of 239,851 set in august 2007. it's "the highest monthly total we've seen since we began issuing the report in january 2005 said chief executive james j. saccacio in a statement. realtytracs measure of foreclosure filings includes notices of default auction sales and bank repossessions according to the report, 54,574 were fully repossessed by banks in april. property tax plunge: the record number of foreclosures added their weight to an already saturated real estate market pulling down home prices plunging home values reduce the money that cities villages and towns collect in property taxes. in particular jeopardy are parts of nevada california arizona and florida whose states maintained the highest foreclosure rates, according to realtytrac. "for example the city council in vallejo calif. - part of a metropolitan area with a foreclosure rate that ranked sixth highest in the nation in april - last week voted to have the city file for bankruptcy said saccacio. the state of california had the second-highest foreclosure rate in the nation up 112% over the previous year and affecting about one in 204 households the top spot among states was held by nevada which maintained a foreclosure rate 3.6 times the national average affecting about one in 146 homes. nationwide single-family home prices have fallen 7.7% since the beginning of the year to the lowest level since at least 1982 according to the national association of realtors and data from real-estate broker zip realty showed that the number of houses on the market grew by 3.5% in april. with more homes being seized by banks, local governments also lose out on tax revenue from sale transactions. "it's really hitting the municipalities from multiple fronts said realtytrac marketing vice president rick sharga in an interview. ten hardest hit metro areas: cities in california and florida have been particularly hard-hit. areas in those states accounted for 9 of the top 10 metropolitan foreclosure rates. the california metro areas of merced stockton modesto and riverside-san bernardino took the top four spots. in merced one out of 66 households was hit by foreclosure in april. in florida cape coral-fort myers came in at number 5 port st. lucie-fort pierce and fort lauderdale came in at numbers 9 and 10. also making an appearance was las vegas a city that had seen heavy real estate speculation at number 7 with one in 116 households receiving foreclosure notices. as congress debates plans to prop up troubled homeowners the foreclosure rate shows little signs of slowing. delinquent mortgage payments which lead to foreclosure will likely rise over the next six to 12 months according to a key mortgage trend statistic from first american corelogic. copyright 2008 cnnmoney 2008-05-14 06:06:18

Yeah, what they said.

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Professional summary over 25 years experience in various phases of the construction industry, superior carpentry, installation skills and mechanical skills including vocational school training, on the job training and self education / sales and marketing skills applied in interior shutter, home inspection and moving industries / superior moving skills as well project management: hired as subcontractor to install atm’s in publix grocery stores from sebastian to miami for golden eagle implementation services / hired as subcontractor to measure, sell and install interior shutters for shutter resources through out the treasure coast of florida / hired as subcontractor to perform home inspections for accurate inspectors inc. from sebastian to boca raton / co- owner and foreman for hoopers metals inc. over saw metal framing crew for installation of interior framing of new homes / owner of the furniture men a moving company, managed a crew of 12 men oral and written communications: verbally communicated and delegated various duties to work force personnel, verbally communicated with customers, clients and representatives as to scheduling and other pertinent details / wrote numerous inventories, sales and billing invoices, filled out and filed hand written and typed all necessary forms and reports /submitted these forms and reports to appropriate dept. heads of staff, senior officials and superiors. rendered final decisions and directions on operational procedures when needed. leadership: highly regarded by superiors, colleagues and subordinates as a qualified leader with lead by example work ethics / set high performance standards for self and crew, including time management, work assignments and procedure compliance. exemplary oral, written skills and presentation skills and ability to communicate with all levels. experience: field inspector 04/2007 to present accurate inspectors inc. 40hr / wk p.o. box salary: $350 pw+ port orange, fl. supervisor: dave k telephone: 866-480- perform residential and commercial inspection for insurance company‘s, realtors, mortgage brokers and home owners •conduct exterior and interior visual inspection of roofing system geometry, tie downs structural integrity and overall condition •conduct visual inspection of air conditioning and heating units for age and overall condition physically test units for adequate performance •conduct visual inspection of plumbing fixtures, pipes, sinks, toilets, water heaters for leaks and physically check for proper operation •conduct visual inspection and physical testing of electrical system to make a determination of whether or not system is up to local code, grounded, type of wiring used, any unsafe wiring and if required outlets are gfi protected •conduct visual inspection of hurricane protection for proper installation, type of material and it’s quality for a windstorm mitigation inspection •collect data , report all defects and complete all necessary forms including submitting all required photos along with completed forms •communicate with superiors, colleagues, clients and customers for scheduling, report discrepancy’s, inquiries and relevant questions. •implementing and applying marketing, advertising and sales techniques via the internet, newspapers and personally performing door to door marketing mark field technician / salesman 01/2007 to 04/2007 shutterresources 40h/wk hwy 50 salary $1,000 pw orlando, fl. supervisor: jeff telephone: 407-568-8753 perform sales, installation and manage satellite warehouse for interior shutter company •perform sales presentation with customer in person / discuss styles, materials and prices •measure all requested openings for custom interior decorative plantation shutter’s •complete and submit all necessary sales form’s and dim

i will give you a 9.5