Category: Social Science

please Celena with. 150. words
Celene
Real Estate Finance
February 27, 2024
H

please Celena with. 150. words
Celene
Real Estate Finance
February 27, 2024
Huber, W
Chapter’s 5/6
Overview
In Chapter 5 the overview that was learned about was Fair Lending. Fair Lending is sharing the same opportunity of lending. “It is lending in the absence of discrimination based on race, sex, color, religion, national ancestry, marital status or handicap” (Huber, 2017, p. 108). To make sure no discrimination is being made there were laws implemented as well as federal laws and codes of conduct. Although some of these “laws” do not pertain to “lending” it is still implemented in any legislation to prohibit housing discrimination and in the lending process.
Key Concept Chapter 5
Chapter 5 I learned about the Federal Fair Housing Laws. One was the Civil Rights Act of 1866 which was presented by a reconstruction congress right after the ending of the Civil War. It states that: “….. all citizens of the United States shall have the same rights in every state and territory as is enjoyed by white citizens thereof to inherit, purchase, lease sell, hold and convey real and personal property” (Huber, 2017, p. 108). This was the first act to provide the same property rights for everyone and the same housing opportunity. The Civil Rights Act applies to race only and applies to all types of property transactions, real and personal property. This act can also be used in a civil lawsuit by someone who has been discriminated against.
Key Concept Chapter 5
The second concept I learned in Chapter 5 is about enforcing VIII of the Civil Rights Act of 1968. This law is only implemented in housing. When filing a discrimination report it is reported to the Department of Housing and Urban Development (HUD). HUD enforces the discrimination against origin, color, religion, race, sex (1974), familial status (1988), and handicap (1988). Once a complaint has been made the individual can file civil action in state or federal court within 2 years of the incident or the closing of claimed discrimination action. “Administrative law judgments are limited to penalties up to $16,000 for the first offense, $42,500 if there was a prior offense within five years, and $70,000 if there were two previous offenses within the prior seven years” (Huber, 2017, p. 110).
Key Concept Chapter 6
The final concept I learned in Chapter 6 is the Truth in Lending Act (TILA). TILA is a structured method that demonstrates how to calculate the cost of credit by the commission of the disclosure of the annual percentage rate (APR). In which is a single number to make easier resemblance of loan rates. This act was enforced by Regulation Z of the Consumer Protection Act that was passed in 1968 aka Reg. Z. When revealing the APR, “Regulation Z requires that the lender provides the consumer with a disclosure of all finance charges. Finance Charges include interest charges, discount points, appraisal fees, inspection fees, and any credit life insurance or mortgage insurance fees” (Huber, 2017, p. 129).
Overview
by Celene Cruz
After reviewing and reading these two chapters I have learned that there are several types of laws and regulations to protect one’s identity, ownership, credit, property, and money. With all these laws I am sure it will be on the real estate exam as well as examples of scenarios and when they can be implemented. For example, TILA, Disclosures, injunctions, loan types, redlining, fair lending and so much more. These chapters also included when and how to implement laws and regulations for a better understanding and consequences of them.

ACTIVITY: Final Paper – Part 3 (Borrower Qualifications)
For the next part of yo

ACTIVITY: Final Paper – Part 3 (Borrower Qualifications)
For the next part of your final paper project, you will be writing the sections regarding your borrowers and their qualifications for the mortgage loan. For this activity, you will write another section for your final paper. We are diving into the mortgage loan scenario by describing the property and assessing the prospective borrower.
As a successful top-producing real estate mortgage lender, write two paragraphs about the borrower qualifications. Answer the questions below in complete sentences, writing 5 sentences for each of the two paragraphs. Use the mock data you downloaded and saved to your computer. Remember to SAVE a copy of this assignment submission to REPLACE INTO your final paper template.
Scroll down to see the template, a sample activity, and a step-by-step video. Here’s the data sheet again, in case you did not save it from Module 4 Activity:
Instructions
First, read the textbook Chapters 13 & 14 (yes I know we are skipping ahead a few chapters).
Next, using the mock data found in the profile sheet, write 2 paragraphs with facts about the borrower’s loan scenario and financial calculations. Write 2 paragraphs with facts about the borrower’s loan qualifications. Answer the following questions (shown in the template) using complete sentences. Each paragraph must have 5 sentences. In each paragraph, insert the textbook page number in parenthesis.
Insert textbook pages from Chapters 13 and 14 in parenthesis (one citation per paragraph).
TEMPLATE





Borrower QualificationsIn the first paragraph, name the borrowers. Analyze the borrower’s loan qualifications. What is each borrower’s monthly gross income (paycheck before taxes)? What is the borrower’s monthly consumer debt payments? What are the borrowers’ FICO credit scores? Do they have any foreclosures, bankruptcies, or judgments that would disqualify them from a mortgage loan? Cite the textbook (Chapter 13 or 14).
In the second paragraph, discuss the borrowers’ mortgage loan scenario. What type of loan is the borrower applying for (either an FHA or a conventional loan)? State the amount financed. What is the interest rate? Based on the amount financed and the interest rate, how much are the monthly payments? Cite the textbook (Chapter 13 or 14). What documentation will each borrower be required to provide? The textbook gives two basic types of documentation required. #1. Income verification (pages 343-344; 347). #2. Bank statements (pages 349-350). In addition, the borrower will need a credit report explanation if credit is less than perfect (pages 357-358).
Additional Resources
buy_vs_rent_comparison.xlsx Download buy_vs_rent_comparison.xlsx
buyers_cost_estimate.xlsx Download buyers_cost_estimate.xlsx
buyers_qualification.xlsx Download buyers_qualification.xlsx
loan_comparison.xlsx Download loan_comparison.xlsx
Example
The model assignment below is to help you get started. DO NOT COPY the wording. Please analyze the assignment for yourself, and write in your own words. DOWNLOAD THE MOCK DATA PROVIDED AND USE THOSE NUMBERS.
The borrower, Mickey Mouse and Minnie Mouse, meet the qualifications for their mortgage loan. Mickey’s monthly gross income (paycheck before taxes) is $4,570 from his job at Tile Manufacturing Plant. Minnie has two sources of income: $____ at _______ and $____ at _______ for a total of $________. Combined that is $____________ for both borrowers. Their combined monthly consumer debt payments are __________. Mickey’s FICO credit score is _____, while Minnie’s FICO score is ____. They do not appear to have any foreclosures, bankruptcies, or judgments that would disqualify them from a mortgage loan (Page 321). (TOTAL OF 5 SENTENCES)
The borrowers have applied for an FHA mortgage loan, which is a government-insured loan, from their local bank. The mortgage interest rate is extremely low at _____%. Based on the amount financed of $___________, the interest rate, and a 30-year amortized mortgage with a fixed payment, the monthly payments would be $_______ for principal and interest. Each borrower be required to provide specific documentation as follows: ______________________(name one or two specific types of income and asset documentation) (Page 123). (TOTAL OF 5 SENTENCES)
VIDEO PRESENTATION
The instructor walks you through this activity step by step.

Module 5. Secondary Mortgage Market & Fair Lending
Select and watch three multim

Module 5. Secondary Mortgage Market & Fair Lending
Select and watch three multimedia presentations: one multimedia presentation from area A, a second presentation from area B, and a third from either area A or B. You will write five paragraphs: three paragraphs summarizing each of the three presentations you watched, as well as comparison and contrast paragraphs.
A. Secondary Mortgage Market (WATCH ONE or TWO VIDEOS FROM THIS SECTION)
B. Fair Lending (WATCH ONE or TWO VIDEOS FROM THIS SECTION)
Question at position 1
1 .Select one multimedia presentation from Area A (Secondary Mortgage Market) you watched. Insert the title of the selected presentation. What is one key concept you learned in this video? Write at least TWO full sentences explaining what you learned.
Question at position 2
2.Select one multimedia presentation from Area B (Fair Lending) you watched. Insert the title of the selected presentation. What is one key concept you learned in this video? Write at least TWO full sentences explaining what you learned.
Question at position 3
3.Select a third multimedia presentation from either Area A or Area B you watched. Insert the title of the selected presentation. What is one key concept you learned in this video? Write at least TWO full sentences explaining what you learned.
Question at position 4
4.Compare two of the video presentations with each other and insert their titles.. What was SIMILAR about them? Write at least TWO complete sentences explaining how the messages were the same.
Question at position 5
5.Contrast two of the video presentations with each other and insert their titles.. What was DIFFERENT between them? Write at least TWO complete sentences explaining how the messages were different from each other.

part 1) Read the textbook (Chap 4: Patterns of Ethnic Relations: Assimilation an

part 1) Read the textbook (Chap 4: Patterns of Ethnic Relations: Assimilation and Pluralism) carefully and answer the following questions.
Editw5r1
What is assimilation?
w5r2
What is pluralism?
w5r3
What is cultural assimilation?
w5r4
What is structural assimilation?
w5r5
What is psychological assimilation?
w5r6
What is biological assimilation?
w5r7
Milton Gordon’s theory of assimilation proposes seven stages through which various groups pass. According to Gordon, which of these seven stages is the most critical in the process of assimilation?
w5r8
Based on the discussion presented in the textbook, is it accurate to describe the US as “the melting pot”? Explain your answer.
w5r9
What is the difference between cultural pluralism and structural pluralism?
w5r10
What is the difference between corporate pluralism and equalitarian pluralism?
w5r11
What is inequalitarian pluralism?
w5r12
Based on the discussion presented in the textbook, is it accurate to describe the US as a society of “corporate pluralism”? Explain your answer.
part 2)
w5n1
Which country in the world experienced this type of assimilation (i.e., biological assimilation) to a great extent? Explain your answer.
w5n2
Which country in the world has this type of pluralism (i.e., cultural pluralism)? Explain your answer.
w5n3
Which country in the world has this type of pluralism (i.e., corporate pluralism)? Explain your answer.
w5r4
Is the US an assimilationist society or a pluralistic society? Explain your answer.
part 3) Week 5 Quiz
Week 5 QuizClick the above link to take the quiz for Week 5, covering Chap 4.
.
This quiz tests your understanding of key concepts presented in Chapter 4. Take this quiz after you have finished reading Chap 4, Chap 4 Notes and Supplementary Readings. This is an open-book quiz.
There are 16 multiple-choice questions in this quiz. You can have 1 hour and 15 min to complete this quiz. Once you start taking the quiz, you have to finish it in one setting.
Part 4) Writing Assignment
Writing Assignment
For this assignment, you are going to analyze your and your family’s experiences in the United States. More specifically, you are going to analyze how much you and your family are assimilated into America. Make sure to analyze along the dimensions of assimilation discussed in the textbook (p. 81-p. 85). At the end of your paper, discuss how much overall you and your families are assimilated in the US considering these different dimensions.
Do not write a general paper. Do not write about the general experiences of your ethnic/racial group. Your paper should describe concretely and analyze specifically your own and your family’s experiences in the US.
Make sure that your paper is free of grammatical, spelling, and punctuation errors.
This assignment carries 10% toward the course grade.

Based on the class lectures, and using full sentences for each item
List 3 sons

Based on the class lectures, and using full sentences for each item
List 3 sons or daughters of a God or a Goddess in ancient Greek religion.
1.
2.
3.
List the 3 changes ancient Greek philosophy brought to the views of Greek religion.
4.
5.
6.
List 3 sons or daughters of a god or goddess in ancient Roman religion.
7.
8.
9.
To answer, create a word.doc or pdf.

The objective of the reading responses is to give you the opportunity to explore

The objective of the reading responses is to give you the opportunity to explore the ideas in the reading/listening materials—and your thoughts on those ideas—in longer written form than the discussion questions. There are no right or wrong answers in these assignments, although there are a few guidelines and requirements, as per the rubric below. You can use your discussion questions as a conceptual starting point (although text should not be directly copy-pasted from material you have already submitted), or you can go in an entirely different directioon.
Rubric is attached below.

RESEARCHPROJECTSERIES:REASEARCHPAPERASSIGNMENTINSTRUCTIONS
OVERVIEW
As part of t

RESEARCHPROJECTSERIES:REASEARCHPAPERASSIGNMENTINSTRUCTIONS
OVERVIEW
As part of the Research Project Series, you will write a literature review research paper that
synthesizes the major points of your findings. Your paper must focus on your selected topic and
the field of mental health crisis intervention. Your paper must relate your research findings to the
content of this course, your academic research, your interview findings, cultural concerns, and
biblical perspectives on crisis counseling.
INSTRUCTIONS
 The body of your paper (not counting the cover page, abstract, or reference pages) must
be between 12-15 pages. Any submissions less than 12 pages will be prorated and heavily
penalized. There is no need to go over to impress as succinct writing is highly valued in
crisis work.
 Current APA or Turabian formatting is required. Focus on the cover page, headers, Level
1 and Level 2 headings, citations, references in particular.
 Your paper must contain a formal introduction and a formal conclusion. Conclusions in
literature review papers must contain a paragraph related to “ideas for future research”.
You just read the literature so you are in a positive to advise what seems to be missing.
This tells future researchers what to focus on.
 Spiritual application is required in the paper including specific Bible verses/passages.
 You must incorporate some key points from your interview in this paper. This is where
you share your interview findings. There is no need for a specific section but rather
weave in the interview data like you do other academic sources.
 Avoid personal experience or personal opinions in these papers. This is a literature
review paper so only academic sources are utilized.
 At least 15 scholarly sources must be used to support your findings and research. At least
10 of your sources must be published within the last 5 years. It is fine to use an older
study only if it is considered a “classic study” in the field.
 Be sure to review the rubric for additional requirements before submitting your paper and
use the rubric as a checklist to ensure that no requirements are missed.
 Proofread your paper carefully before submission. Consider this a major assignment and
submit your best work.
Here is a basic outline of the main sections that your paper must include:
1. An APA or Turabian cover page.
2. An Abstract. (An Abstract and Introduction are often confused but they are different in
both formatting and content. Be sure you know the difference.)
3. Body of the report which includes all of the areas listed below:
a. Introduction –in APA or Turabian Form. Use this section to orient your reader
and grab their interest. Why does this topic matter? What interesting background
information can you share?
b. Mental health symptoms / relationship dynamics common in your population-of-
interest – How can new interventionists identify this population? What type of
CRIS 606
Page 2 of 2
mental health issues typically arise? What type of relationship issues typically
occur?
c. Best practices in crisis intervention (how can we best help them?). NOTE: avoid
any discussion of long-term counseling or psychotherapy. This is a crisis course
so be sure you know the difference.
d. Spiritual applications/interventions (What does Scripture say about your topic
area that is relevant?)
e. Cultural considerations – What cultural concerns/considerations must we attend to
when working with this population?
f. Conclusion – Wrap up your paper discussing key themes and findings that you
uncovered. Note: The conclusion of literature review papers must include at least
a paragraph on “ideas for future research.” You just read the literature on your
topic area so you are conversant in the research. What seems to be missing? What
should future researchers focus on?
4. Reference page (APA or Turabian format required).
Note: Your assignment will be checked for originality via the Turnitin plagiarism tool. DO NOT USE AI OR CHAT GPT

Hello!
I have an Annotated Bibliography paper due in a few days. My instructor g

Hello!
I have an Annotated Bibliography paper due in a few days. My instructor gave no instruction as to how to complete the paper, so I need help. This is for a Human Services class. I have the instructions below.
Thank you in advance!

Below are the instructions on what the assignment is about for the PowerPoint as

Below are the instructions on what the assignment is about for the PowerPoint as well as the assignement that is supposed to go with it.

one of the three links and since I did not do so well on the worksheet and we ha

one of the three links and since I did not do so well on the worksheet and we have not covered much of the American Revolution, Im thinking we should use one of the other two links. Either Brittish North America or Colonial Society. She explained if we do not like the choice we picked to answer the questions for the worksheet it is ok to switch the topic to one of the other two.one of the three links and since I did not do so well on the worksheet and we have not covered much of the American Revolution, Im thinking we should use one of the other two links. Either Brittish North America or Colonial Society. She explained if we do not like the choice we picked to answer the questions for the worksheet it is ok to switch the topic to one of the other two.one of the three links and since I did not do so well on the worksheet and we have not covered much of the American Revolution, Im thinking we should use one of the other two links. Either Brittish North America or Colonial Society. She explained if we do not like the choice we picked to answer the questions for the worksheet it is ok to switch the topic to one of the other two.
Pick one of the two I recommend, Brittish North America or Colonial Society
Over the course of this class, you will learn how to think critically about primary sources. These assessments (three in all) will help you to complete Student Learning Objective 3:
Evaluate the role of an individual in the development of an historical phenomenon such as an event, turning point, or trend in the American experience through 1876.
Together, these assessments will build on one another, providing stepping stones toward a more thorough and clear analysis of primary sources. The assessments include:
Primary Source Analysis Worksheet (due OCC Week 4, Module 4)
Primary Source Analysis Paper 1 (due OCC Week 6, Module6)
Primary Source Analysis Paper 2 (due OCC Week 13, Module 13)
Due Date: Week 6 Spring 2024HIST 170: Primary Source Analysis Paper I (50 pts of overall course grade) (lowest grade of 2 papers will be dropped)
Submitted to Turn It In via our Canvas website by 11:59 PM on Sunday, Week 6 (late submissions will be docked daily).
The PromptLinks to an external site.
Historians turn to primary sources to tell us about life in a certain place and time. For this worksheet, you will identify a textual primary source from Chapters 3 (British North AmericaLinks to an external site.), 4 (Colonial SocietyLinks to an external site.), the assigned primary source reader (YAWP Reader).
Using your chosen source and notes from the primary source analysis worksheet, write an essay (3 to 4 pages) on the author’s relationship to colonial America or Revolutionary America with the following sections:
Section 1: An introduction that: A) describes colonial America or Revolutionary America in the context of Chapters 3 and 4 or 5 (Yawp textbook), noting three central or important components of the time period (colonial America or Revolutionary America); B) introduces the primary source and its author; and C) provides a thesis statement (argument) indicating the way in which your analysis will effectively connect the author/primary source to the time period.
Section 2: A section in which, based on your evaluation of the primary source, you indicate the observer’s understanding of the time period (colonial America or Revolutionary America), supporting your assertions with specific paraphrases/quotes of the text.
Questions to Consider for This Section: how does your author view the time period and its place in American society? Do they focus on a particular topic of the time period? Do they see it as a good thing? A bad thing? A complex thing?
Section 3: A section addressing the author’s view of the time period (colonial America or Revolutionary America) within the larger historical context. Provide three clear and distinct comparisons (commonalities or disconnects) between the author’s particular observation of the time period and the “reality” of the Era that we have examined in class. Provide support from the primary source and course content to clarify why you arrived at each conclusion.
Questions to Consider for This Section: what material from the Colonial America or Revolutionary America lectures/textbook content does your author reassert/support? What content/problems/people from the Era are off your author’s radar?
Section 4: A section discussing what larger course theme[s] are prevalent in your primary source. These themes include but are not limited to: Power [who has it?]; Land and Property; Freedom and Liberty; the Power of Place/Region; Individual v. Community v. Nation; Race; Gender; Class; American “Character;” Rhetoric v. Reality. Strong papers will focus on one or two course themes rather than many. Support your assertion with specific paraphrases/quotes from the text.
Section 5: A conclusion restating the author and source, the three components of the time period (colonial America or Revolutionary America) from section 1 and introducing questions the primary source raised for you [Identifying questions for further investigation].
Additional Information
You should not consult outside sources for this assignment. If you need additional context, turn to the textbook or lecture notes. You MUST cite (in-text citations and work cited) all sources you use, including lecture. The best papers will incorporate and closely analyze quotations.
Follow standard formatting guidelines provided on Canvas. Ensure that you have properly cited throughout your paper (in-text citations) and included a work cited page. You will be expected to cite and format correctly and will lose points if you do not. See our Canvas course page in Week 1’s module for citation support. Note: your paper should not be more than 5 pages.
Your paper must be typed, double-spaced, 12-point Times New Roman (1 margins) and uploaded to TurnItIn (via our Canvas website) by the end of OCC Week 6. Late work will be docked daily.
Your paper will be graded on: 1) the standard requirements (page length, citations, font, etc.), 2) clarity of the content (your ability to follow the above-mentioned sections in a clear and concise manner), and 3) the effectiveness of the analysis/contextualization itself.
Please come to me with any questions you may have! I am here to help and am more than happy to look at drafts if given enough time!
Analysis Paper Checklist
___ 1) Did you choose a text-based primary source from the Yawp Reader, Chapters 3, 4, or 5?
___ 2) Does your paper meet the standard requirements? (between 3 full – 5 pages, double spaced, etc)
___ 3) Does your paper include in-text citations AND a work cited?
___ 4) Did you choose ONE time period in which you analyze your source? (Colonial American or Revolutionary America)
___ 5) Did you clearly complete Sections 1, 2, 3, 4, and 5?
___ 6) Did you provide clear evidence to support your statements?
___ 7) Does Section 1 include a thesis statement?
___ 8) Does section 3 engage the primary source within the time period chosen by providing clear and specific evidence from both the primary source and textbook/lecture/or other primary sources?
___ 9) Did you proofread your paper and confirm it is the correct paper you will submit to TurnItIn?
NOTE: triple check your submission before you turn it in. What I receive is what I grade.
Primary Source Analysis Paper Rubric
Base Points
Hooray! You Turned in a Paper!
5/5
Standard Requirements
Meeting the Standard Requirements Met Above
10
Clarity of Content
1. Section 1
2. Section 2
3. Section 3
4. Section 4
5. Section 5
5
5
5
5
5
Effectiveness of Analysis
10
TOTAL
50