• Home
  • Search Homes
  • Area Info
  • Sellers
  • Relocation
  • Tampa Areas
  • Videos
  • Blog
  • About
  • Contact

Lance Mohr & Team

Tampa2Enjoy.com

Find Your Perfect Home

Lance Mohr & Team

Tampa2Enjoy.com

(813) 317-4009
  • Home
  • Area Info
    • Crime Reports
    • School Info
    • Tampa School Profiles and Reports
    • Tampa Lifestyle Search
    • Tampa Healthcare-Hospital and Clinics
    • Things To Do
      • Outdoor Activities and Entertainment
      • Theaters
    • Property Taxes
    • Tampa Weather
    • Hillsborough County Map
    • Pasco County
    • Pinellas County Map
  • Relocation
    • Relocation Tips
    • New Home Tips
    • Pre-Owned Tips
    • Investing Tips
    • Homebuyer’s Ebook
  • Sellers
    • Free Home Valuation
    • Sellers Mistakes
    • 29 Selling Tips
    • Realtor Interview Tips
  • Tampa Areas
    • Apollo Beach
      • Andalucia
      • Mirabay
      • Covington Park
      • Waterset
      • Symphony Isles
    • Brandon
      • Alafia
      • Brentwood Hills
      • Bloomingdale
      • Four Winds
      • Hillside Homes
      • Heather Lakes
      • Lakeview Village
      • Peppermill
    • Channelside
    • Carrollwood
    • Citrus Park
      • Fawn Ridge
      • Logan Gate
    • Fishhawk Ranch
    • Land O Lakes
      • Ballantrae
      • Concord Station
      • Connerton
      • Enclave at Terra Bella
      • Grand Oaks
      • Lake Padgett
      • Lake Thomas Preserve
      • Lakeshore Ranch
      • Oakstead
      • Pasco Sunset Lakes
      • Plantation Palms
      • Stonegate Homes
      • Stagecoach Village
      • Suncoast Lakes
      • Sunset Lakes
      • The Groves Homes
      • Valencia Gardens
      • Wilderness Lake Preserve
    • Lutz
      • Sanctuary on Livingston
      • Oak Grove
      • Heritage Harbor
      • Cheval Homes
      • Calusa Trace
      • Willow Bend
      • Lakes of Wellington
    • New Tampa
      • Arbor Greene
      • Basset Creek
      • Cory Lake Isles
      • Cross Creek
      • Easton Park at K-Bar Ranch
      • Grand Hampton Community
      • Heritage Isles
      • Hunter’s Green
      • Live Oak Preserve
      • Pebble Creek
      • Richmond Place
      • Stone Creek
      • Tampa Palms
      • West Meadows
    • Northdale
    • Odessa
      • Keystone
      • Steeplechase Real Estate
    • Riverview
      • Ayersworth Glen
      • Avelar Creek North
      • Bloomingdale Ridge & Bloomingdale Hills homes
      • Boyette Creek
      • Boyette Farms
      • Boyette Springs
      • Creekside
      • Lakeside
      • Lake St Charles
      • Panther Trace
      • Pavilion
      • Summerfield Village
      • South Pointe
      • South Fork
      • RiverGlen
      • Rivercrest
    • Ruskin
    • South Tampa
      • Ballast Point
      • Bayshore Boulevard
      • Beach Park
      • Channelside District
      • Culbreath Isles
      • Davis Island
      • Harbour Island
      • Hyde Park
      • Interbay
      • New Suburb Beautiful
      • Palma Ceia
      • Parkland Estates
      • South Tampa Waterfront Condos
      • South Tampa Condos
      • Sunset Park
      • Westshore Yacht Club
    • Sun City
      • Sun City Center Condos
      • Sun City Center Homes
    • Temple Terrace
    • Valrico
      • Bloomingdale Homes
      • Buckhorn Homes
      • Copper Ridge
      • Diamond Hill
      • River Hills
    • Wesley Chapel
      • Arbor Woods
      • Bridgewater
      • Brookside
      • Chapel Pines
      • Country Walk
      • Fox Ridge
      • Lexington Oaks
      • Meadow Pointe
      • New River
      • Northwood
      • Palm Coves
      • Quail Hollow
      • Saddlebrook
      • Seven Oaks
      • Union Park
      • Watergrass
      • Wiregrass ranch
      • Wiregrass Ranch – Estancia
    • Westchase
      • Countryway
      • Highland Park
      • Mandolin
      • Tree Tops
      • Twin Branch
      • Waterchase
      • Westchase Community
      • Westchester Community
      • Westwood Lakes
    • Wimauma
  • Search Homes
    • New Homes In Tampa FL
    • Bank Owned Homes
    • Condos
    • Foreclosures
    • Luxury
    • Mansions
    • MLS Access
    • Townhomes
    • Waterfront
    • Waterfront Condos
    • VIP Buyer Program
  • Videos
    • Video Tips
    • Market Statistics
  • Testimonials
  • Blog
  • About
    • About Lance Mohr
    • About Us
    • Mission Statement
  • Contact Us
  • Property SearchSearch Homes Using Your Criteria
  • Listings By EmailListing updates sent to your inbox
  • Home ValuesWhat’s Your Home Worth?
  • Buyers WebinarLearn How To Buy Your Home Faster

loans

#1 Concern With Mortgage Lenders – In Today’s Real Estate Market

May 18, 2018 by Lance Mohr

A lot of loan officers in the Tampa area are very complacent with the real estate market so good. Learn what to do and what questions you need to ask. With the real estate market being so hot in Tampa Bay many loan officers (lenders) are becoming more and more complacent. So I have been doing their job for them and explaining the different loan programs and closing costs to my buyer for them. Thank goodness I was a loan officer and I know a lot about mortgage loans, closing costs and programs.

What you need to do when you talk to a loan officer is get a Loan Estimate (LE). This will give you a breakdown of all your reoccurring and non-reoccurring closing costs. Then ask the loan officer to go over the different costs with you so you have a good understanding.

It’s also a great idea to ask the loan officer if there are other loan programs that you are qualified for and to go over the pros and cons of each loan program.

Transcription

Hi everyone. This is your Realtor Tampa Bay Lance Mohr. In this video, I want to talk about why loan officers in Tampa and probably everywhere in the United States right now are very complacent and what you need to do about this.

I wanted to do this video because this week I had several buyers. A couple that was local first time home buyers and then some that we’re relocating to Tampa and one thing I noticed just how complacent loan officers have gotten now. I talked about this a weeks ago but I want to bring up a little bit different twist and what you need to do about this.

In Tampa right now our market is really busy. So I think again everybody is getting complacent. Realtors, loan officers, builders, inspectors, everybody and I’ve just noticed a lot of time when first time home buyers are going in and getting a loan. The loan officers are not taking the time to really explain the different loan programs to them. They’re not taking the time to explain the lender's estimates called the LE and going over different closing cost and when someone’s coming in from out of state they’re used to different closing cost or different procedures in the state they are coming from and the loan officers. What they are doing is they’re basically directing everybody to their website. They’re saying fill out an application. They’re filling out an application. They may send them a lenders estimate, they may not. They’re supposed to but even if buyers are calling and getting pre-qualified. They’re not really going over everything with them. They are not explaining things to them like different types of state taxes and how things work here.

What I would say is this. When you talk to a loan officer and you get a quote. Whether it’s on the interest rate of closing costs. Get everything in writing from him. Ask him to send you a lenders estimate and go over all the different cost with them and have him explain it to you. I know when I was in lending years ago. I always did this to people and when I was working with them whether they’re a first time home buyer or a second time home buyer. I always went over the different options with them on loan programs and told them the advantages, disadvantages and let them pick out what was best for them. And a lot of cases they just simply asked me well what one would you go with and why.

So you need to start asking questions because I see so many buyers out there they are just getting information from these lenders and what’s happening is I’m having to step in as a real estate agent and explain the different loan program, the different closing costs and it’s okay because I understand this. I was a lender for so many years. I was a co-owner of a mortgage company but very few real estate agents understand anything about loans and most of them just say oh we’ll just ask the loan officer. It’s unfortunate and I know a lot of people that are watching this video are not in Florida or certainly not in the Tamp Bay area but just make sure to talk to the lender. I mean the loan officer and ask them.

If you have any questions don’t hesitate to give me a call (813-317-4009). I’d be more than happy to help you or just shoot me an email. If you like my videos subscribe. Hit the bell button and you’ll be notified and give me a thumbs up or leave a comment. Have a great day! I hope this helps you. Here is my YouTube Channel https://youtube.com/tampa2enjoy for more educational real estate videos.

Filed Under: Mortgages Tagged With: lenders, loan officers, loans, mortgage, mortgage loans, real estate, tampa

Banks Are Pitching Home Equity Loans – Again

January 28, 2014 by Lance Mohr

Banks just love the profits in home equity loans. They got burned in the late 80’s, they got burned in the 2,000’s and here we are again, 8 years later. But a lot of the problems with home equity loans are not because of banks, but consumers and state legislatures. Consumers have to be more responsible and state legislatures need to put in safety nets so consumers don’t get hurt. Texas is a great example of this. They weathered the recession better than any state in the union partially because the Texas Congress wrote laws stating what banks can and cannot do in their state. Unlike Florida.

Great article by Deon Roberts with Charlotte Observer
“Banks, eager to speed up their sluggish revenue growth, are returning to a business that lost appeal during the housing downturn: home equity lending.

Consumers are hearing the pitches in direct mail, in their inboxes, and in their bank branches. Lenders say the competition to capture home equity business is heating up – and they’re looking to sweeten the deals with flexible terms.

Banks see home equity as a growing market, with home prices rising in Charlotte and elsewhere. Some borrowers who once owed more than their homes were worth now find they have equity for the first time in years.”

What is a Home Equity Loan? – Explained

Unlike the vast majority of mortgage documents (Fannie Mae, VA, FHA) that have standard verbiage in them that does not let them take advantage of the consumer, HEL’s can be very tricky. So read everything before your sign anything.

If you have any questions about real estate in Tampa, Florida please visit our website.

 

Filed Under: Mortgages Tagged With: banks, HEL, HELOC, home equity, loans, mortgage, wells fargo

Friendlier Short Sale Guidelines Now in Effect

November 13, 2012 by Lance Mohr

image of a short sale signThe Federal Housing Finance Agency (FHFA) has made November 2012 a month to remember as it steps up the pace for short sale approvals. The benefit of this type of sale is the limited loss by lenders, homeowners, taxpayers and the Federal government. Changing the guidelines to allow some leeway for qualification is a boon for working Americans who have been struggling to pay on their home in Tampa or elsewhere in the United States.

The opportunity to qualify for a short sale rather than defaulting on a mortgage has been a problem for many trying to keep their mortgage payment current. New rules affecting Freddie Mac and Fannie Mae short sale mortgages will enhance more equitable treatment of borrowers. Several prominent mortgage servicers will have approval authority of short sales. There will be no requirement for a sign off by Freddie Mac or Fannie Mae.

Mortgage Guaranty Insurance Corporation and Essent Guaranty Inc. are two of those companies affected by the change. The senior vice president of servicing and REO at Freddie Mac, Tracy Mooney, noted the primary role the mortgage insurers are playing by allowing more foreclosure alternatives such as short sales to take place. Taxpayer losses are reduced while the housing market recovery continues to improve.

The definition of financial hardship has been expanded. Fannie Mae and Freddie Mac mortgages are eligible for short sale upon a proven hardship, even if the mortgage is current. That includes a divorce, disability, or the death of a co-borrower or borrower. In the event of a new job or job transfer at least 50 miles away from the current home, a hardship is now considered to exist.

Military personnel permanently ordered to another duty station now qualify for short sales. Monetary penalties, including the cash contribution promissory note, are now eliminated.

There are more cases excluded from the pursuit of deficiency judgments by Freddie and Fannie. In addition, borrowers will be evaluated by servicers. Other guidelines have been designed to turn the short sale process into one uniform program. All in all, it is a positive step towards recovery.

View all short sales in Tampa Bay at Tampa2Enjoy.

Filed Under: Mortgages Tagged With: fannie mae, freddie mac, loans, mortgages, real estate, tampa

What the Housing Bill Means to You

August 4, 2008 by Lance Mohr

The housing rescue bill, soon to become law, is full of goodies and not-so-goodies for homeowners and those who aspire to be homeowners. Here are some highlights.

First-time homeowner tax credit:

The law will extend a tax credit of up to $7,500 to first-time homebuyers. A first-time homebuyer is defined as someone who hasn't owned a home in three years.

The tax credit is for 10 percent of the purchase price, up to $7,500, but phases out for higher-income homeowners. Homeowners are eligible for the tax credit if they bought after April 8 of this year and before July 1, 2009.

This is a tax credit, not a deduction. It reduces the homeowners' tax bill by up to $7,500 for the tax year in which the purchase was made. If you buy a house this year, you get the tax credit for the 2008 tax year — the one with a filing deadline of April 15, 2009. If you buy a house next year by the end of June, you get the tax credit for the 2009 tax year. It's a one-time credit; you don't get to keep taking it year after year.

There is a catch, and that is that the money has to be repaid over 15 years, starting two years after you buy the house. That makes the tax credit an interest-free loan. If you take the full $7,500 tax credit, your income tax bill will increase by $500 a year for 15 years. If you sell the house before then, you'll have to pay Uncle Sam the remaining balance.

Complex issues, such as divorce, death, sale of the house at a loss and conversion of the house into a vacation home are accounted for in the law.

Forgiveness to allow refinancing into FHA:

A lot of people have fallen behind on their mortgage payments after the rates went up on their adjustable-rate mortgages, or ARMs. And they can't refinance into fixed-rate loans because their homes have lost value, and they owe more than their houses are worth.

Soon to be a law, the housing rescue bill seeks to help these people get out of trouble. It encourages lenders to forgive some of their debt so they can refinance at lower amounts into mortgages insured by the Federal Housing Administration, or FHA.

It works like this: The lender has to forgive all the debt above 90 percent of the home's current appraised value. If that leaves you scratching your head, here is a hypothetical example, using round numbers:

Sometime before Jan. 1 this year, you bought a house for $125,000 and got an ARM for $110,000 after making a $15,000 down payment. But the house lost value. Now it's worth $100,000, based on an appraisal. Meanwhile, the ARM's rate went up and you can't afford the full payment every month.

Under this law, the lender would forgive everything you owe above $90,000. Let's say that you owe $105,000 of that original $110,000 loan. The lender would forgive $15,000, and let you pay off the loan for $90,000. The lender would not be allowed to seek any of that $15,000 later.

That allows you to find another lender who would underwrite a $90,000 mortgage to be insured by the FHA. That loan amount would include the upfront FHA insurance premium of roughly $2,700.

Again, there is a catch. If you take refuge in this program, you'll have to share your home-price appreciation with the FHA. If you sell the house (or refinance the loan) less than a year after refinancing into the FHA loan, the FHA gets all of the house price appreciation. The FHA's cut decreases over the next five years — but never goes below 50 percent.

What does this mean to the borrower? Take the example above. You refinanced when the house was appraised at $100,000. A little over two years later, you sell the house for $120,000. You split that $20,000 difference with the FHA. In this case, because it's between two and three years later, the FHA gets 80 percent. The FHA would get $16,000 and you would get $4,000.

The equity-sharing arrangement goes like this: If you refinance or sell less than a year after getting the FHA loan, the government gets 100 percent of the home price appreciation. If it's more than a year but less than two years, the FHA gets 90 percent. The FHA's cut then decreases by 10 percent until the five-year mark. Anytime after that, the FHA gets half of the appreciation, no matter how long you have the loan or own the house.

This arrangement will encourage homeowners to keep their FHA-insured mortgages for at least five years, but to refinance before home prices zoom upward again.

Working with home equity debt:

The government has been trying all year to encourage lenders to forgive debt so homeowners can refinance their loans for lesser amounts and remain in their houses. Lenders have been reluctant to forgive the debt. The FHA-refinance plan is another way of encouraging debt forgiveness.

Among the sticking points: Many homeowners have home equity lines of credit or home equity loans. In most cases, these lenders will lose that entire loan balance under the FHA-refinance plan. The new law is low on specifics, but it gives the FHA permission to give second lienholders a cut of the home price appreciation proceeds that the FHA collects.

Down payment assistance soon to be a thing of the past:

The housing rescue bill, soon to be a law, bans down payment assistance programs such as the ones offered by Nehemiah and AmeriDream. The ban goes into effect Oct. 1.

Down payment assistance programs took advantage of a loophole in the way the FHA treats down payments. To get an FHA-insured mortgage, the homeowner has to make a down payment of at least 3 percent. Homeowners don't have to save even that much; the 3 percent can come as a gift from family members or nonprofit organizations.

Regulations don't allow the home seller to provide the down payment money. That's where down payment assistance programs come in. They are nonprofits. That allows the seller to give the 3 percent down payment money to Nehemiah or AmeriDream, and then Nehemiah or AmeriDream can turn around and “give” the down payment to the homebuyer as a “donation.”

Fannie Mae and Freddie Mac don't allow sellers to indirectly give down payments to buyers. But the FHA has allowed this type of transaction for years. The FHA has long complained that down payment assistance programs artificially inflate house prices, and that loans using down payment assistance are more likely to default. But prominent congressional democrats have protected the down payment assistance programs on the grounds that they allow many minority families to become first-time homebuyers.

House democrats wanted to keep the loophole open, and Senate leaders wanted to close it. With this law, the Senate won.

Property tax deductions for all homeowners:

Under current law, you can deduct your property taxes from federal income tax — but only if you itemize deductions on Schedule A. That leaves out people who don't have enough deductions to warrant filling out Schedule A. They have to take the standard deduction — and that means they can't deduct their property taxes.

The housing rescue bill, soon to be law, changes that. For homeowners who pay property taxes, it increases the standard deduction by $500 for single filers and $1,000 for couples filing jointly. This will be a boon to people, such as retirees, who own their houses outright, and therefore don't pay any mortgage interest, so they can't itemize.

You can't increase the standard deduction by more than the property-tax bill. So if you're married filing jointly and you pay $800 in property taxes, you get an $800 deduction, not a $1,000 deduction.

Loan limits extended permanently:

There are maximum amounts for loans that the FHA will insure, and that Fannie Mae and Freddie Mac will guarantee. Those limits were raised temporarily this year. The new law raises limits permanently.

For FHA-insured mortgages, the new limit will be 115 percent of the median home price in that area, up to $625,500. That provision will affect loan limits in higher-cost areas. In lower-cost areas, the current FHA limits won't decrease.

For conforming mortgages — those eligible to be bought by Fannie Mae and Freddie Mac — the conforming limit will remain at least $417,000 for a single-family home. It can be higher than that. Starting next year, the new limit is either $417,000 or 115 percent of the area's median home price, whichever is higher — up to $625,500. After that, the limits go up or down according to a price index.

More regulations on reverse mortgages:

A reverse mortgage is an advance against home equity. It's for homeowners age 62 or older, and the reverse mortgage doesn't have to be repaid until the borrowers die or move out.

Because reverse mortgages are for elderly borrowers, there is concern that dishonest lenders and brokers take advantage of borrowers. Borrowers are required to get counseling first, to learn the pros and cons of reverse mortgages. The law will result in strengthened qualifications for counselors.

The law bars insurance salesmen from originating reverse mortgages and prohibits originators from requiring homeowners to buy annuities or insurance products. (There's one big exception: The FHA insures reverse mortgages, and borrowers will buy that coverage.)

Finally, the law limits origination fees on reverse mortgages. They can't exceed 2 percent of a reverse mortgage of up to $200,000. For a reverse mortgage amount above that, the limit is $4,000, plus 1 percent of the loan amount above $200,000. Origination fees can't exceed $6,000 in any case. In future years, this upper limit is indexed to inflation.

Manufactured housing:

FHA-insured loans for manufactured houses are limited to a maximum of $48,000 — a limit that has been in effect since 1992. That limit finally will be increased to about $70,000 and will be indexed to inflation. These are the limits for loans in which the borrower is buying only the manufactured home and not the land under it.

According to the Manufactured Housing Institute, the raised limit will make a big difference to thousands of families. Under the $48,000 limit, a lot of families can afford only single-section homes. The increased limit will allow more people to buy double-section homes — what are colloquially known as double-wides.

The law directs Fannie Mae and Freddie Mac to come up with new products and flexible underwriting standards for manufactured houses.

Veterans:

Service members returning from active duty abroad will be given breaks, effective as soon as the president signs the bill into law.

Some protections apply to service members whose military obligations affect their ability to repay debts — primarily, reservists and members of the National Guard who are called to active duty. They have to leave their jobs and, in many cases, take pay cuts.

For these service members, there are protections having to do with foreclosures and interest rates. If a service member had a mortgage before entering active duty, a lender can't start foreclosure proceedings until nine months after the service member returns from active duty. Formerly, the protection period was 90 days.

Also, when someone with a mortgage is called up to active duty, the interest rates on all previously existing debt are capped at 6 percent. That goes for mortgages — and for home loans, that 6 percent cap extends until one year after the service member returns from active duty.

The Defense Department will be required to provide foreclosure-prevention counseling upon request to service members who are returning from active duty abroad.

Miscellaneous:

Other provisions of the law:

It will establish an Office of Housing Counseling, which coordinate all federal housing counseling functions, as well as produce booklets that will be given to people applying for mortgages.
It will require licensing and registration of all mortgage brokers. Several states have begun to license mortgage brokers and share the information through the Conference of State Bank Supervisors; this law extends that initiative nationally.

It won't ask questions about tornadoes. An earlier version of the bill would have commissioned a study into how to “mitigate the risks to manufactured housing residents and communities resulting from tornados.” The inquiry into this head-scratcher will have to wait for another bill; it was deleted in the final version that passed into law.

Lance Mohr is a full time professional Realtor in Tampa, FL specializing in  Tampa real estate.

Filed Under: Mortgages Tagged With: bill, homes, housing, lender, loans, real estate

Documents Needed When Getting a Home Loan

September 23, 2007 by Lance Mohr

In this day and age a great deal of media attention has been paid to the crisis that has occurred in the mortgage market today.  Indeed, a record number of homes are ending up in foreclosure.  As a result of this crisis in the home mortgage market, lenders everywhere – including in the Tampa real estate market – are tightening the requirements that they are imposing on individuals seeking a home mortgage loan.

During the past decade, many lenders have relaxed their requirements on what documentation needed to be presented to obtain a home loan.  All of this is now changing – dramatically.  If you are interested in obtaining a home mortgage loan, you need to be aware of the documentation that you likely will be required to provide to a home mortgage lender as part of the application process.

  • Tax Returns

For most mortgage lenders, the most important documents that you will have to provide are your tax returns.  You likely will have to provide tax returns for a period of two years.

  • Proof of Income

You will also need to provide a mortgage lender with documentation supporting your current income.  In this regard, you likely will have to provide the mortgage lender with two types of documents when it comes to the issue of proof of income.  In most instances you will need to provide pay stubs for a period of time specified by the home mortgage lender (usually 30 days).  You also will likely need to obtain an affidavit (verification of employment) from your employer that verifies exactly what your income is — as well as any projected changes that are anticipated in regard to your income.  These forms are usually very simple to complete.

  • Credit Report

Your credit report will be another important document associated with obtaining a mortgage loan.  You will not need to come up with the credit report on your own.  The mortgage lender — with your approval — will obtain your credit report directly from one or another of the credit reporting agencies.

  • Bank Statements

The typical home mortgage lender will also require you to provide bank statements as another means of verifying your income and assets.  Beyond documentation, a typical home mortgage lender will also consider a number of other factors, including:

  • Cost is Everything

Obviously, the cost of the real estate itself is the primary factor behind the entire home loan process.  Your credit history and credit score will dictate how large of a mortgage loan you will be able to obtain.  Therefore, and naturally, the cost of the real estate that you would like to purchase necessarily has to be within the cost range that your own credit history and credit score will be able to support when it comes to financing.

  • Condition of the Real Estate

When it comes to qualifying for a home loan, you need to understand that the typical lender will be interested in the condition of the real estate.  Many a home loan lender will not happily give financing to a person who wants to purchase a so-called fixer-upper.

 

Filed Under: Home Buying Tips Tagged With: foreclosures, loans, mortgage, real estate, tampa

Lifestyle Map Search

Search for homes near schools and colleges. Find apartments close to gyms and churches. Discover cafes 5 minutes from your new home.
Use our Lifestyle Search to find what you want.

Lifestyle Search

Keller Williams Realty – Tampa, Florida

Mohr Home Group
18302 Highwood Preserve Parkway
Tampa, Florida 33647
(813) 317-4009 | Map | Email
Licensed REALTOR® in the State of Florida

Join Us

           

Quick Links

  • Tampa2Enjoy Home Page
  • Search MLS
  • Luxury Homes
  • Tampa Subdivisions
  • Waterfront Homes
  • Real Estate Webinar
  • Real Estaste Videos

Copyright © 2014 All Rights Reserved

Home | Privacy Policy | Terms Of Use | About