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1
![](3D"slide0061_image001.gif")
REAL ESTATE
FINANCING
CHAPTER 12
CHAPTER 12
![](3D"slide0061_image002.gif")
![](3D"slide0061_image003.gif")
WE ARE
OFF TO GET A
LOAN
2
COST OF HOUSING
The
average person spends about 20% T=
O 25%
of their income on housin=
g.
=
If a
person could pay cash for the property you would not =
need financing.
=
Therefore
if long-term financing is necessary. =
Mortgages or trust deeds are used.<=
/div>
3
=
PRIMARY & SECONDARY FINANCING
=
Primary
financing is the use of 1st trust
deeds. Usually the interest rates are lower on a first trust dee=
d.
=
Secondary
financing is any type of financing other than a =
first trust deed.
Second trust deed, third trust deed, or etc.
4
=
PRIMARY &
SECONDARY MORTGAGE MARKETS
Primary mortgage market refers to a loan being made
directly to the borrowers.
Secondary mortgage market refers to the resale of existing
mortgages and trust deeds.
5
SECONDARY MARKET
The
purpose of the secondary mortgage market is to buy the loans from the primary mortgage market. This =
gives the primary mortgage market more money to loan out.<=
/div>
6
=
Federal National Mortgage Association (“FNMA or =
Fannie Mae”)
=
Government
National Mortgage Association (GNMA or “Ginnie Mae”)
=
Federal
Home Loan Mortgage Corporation (FHLMC or “Freddie Mac”)
7
CONFORMING LOAN=
S
A
lender either keeps the loan in its portfolio or sells =
them. Lo=
ans that
are kept by the lender are called portfolio loans.
Conforming loans are
conventional loans (non-government
loans) that meet the underwriting standards =
for purchases by FNMA and FHLMC.
8
www. fanniemae.c=
om
![](3D"slide0162_image004.gif")
MAXIMUM LOAN AMOUNTS
Fannie Mae's max=
imum
loan amounts for 2003 are as follows:&#=
13;$620,500
Four–family loans
$449,300
Three–family loans
$413,100
Two–family loans
$322,700
One–family loans
Maximum Loan Amount
Number
of Units
9
JUMBO LOANS
=
;
$322,700+
Loans
for amounts over the conforming loan amount are called a jumbo
loan.
Jumbo loans will have an interest
rate of Ľ% to ľ% more than a conforming loan.
10
TYPES OF LENDERS
Instit=
utional
Lenders
Non-in=
stitutional
Lenders
11
Inst=
itutional
Lenders=
1. Commercial Banks
=
2. Savings Banks Associations&#=
13;
3. Life Insurance Companies
Non-institut=
ional
Lenders=
1. Private Lenders
<=
/div>
2. Mortgage Companies
3. Real Estate Investment Trust
(REIT)
12
<=
span
style=3D'font-size:150%;color:#000099'>SELLER
CARRYBACK =
FINANCING
=
Generally,
seller carryback financing is relatively straightforward.
<=
/div>
13
=
1. Generally they are a fixed r=
ate
loan.
2. Usually they are amortized o=
ver 30
years but due and payab=
le in
5 to 10 years.
3. If the first TD is an ARM th=
en the
2nd cannot be an ARM.
14
TYPES OF LOANS
Since
there are a variety of loans and interest rates in the market place, the borrowers should compare lender=
s on <=
span
style=3D'font-size:117%'>the basis of:
15
=
1.Down payment needed or loan-to-value ratio.
<=
/span>
2.Interest rate.
3.Loan costs and fees required.
<=
/div>
4.Length of the loan.
5. Prepayment penalties.=
16
CONVENTIONAL
LOANS
A
Conventional loan is any loan that is not a government =
backed loan.
<=
/div>
=
ADVANTAG=
ES:
1. Less red tape
2. Shorter processing time.
=
;
3. Larger loan amount.
4. More Variety of loans.
<=
/span>
17
=
1. High=
er
down payment.
2. Prep=
ayment
penalties.
3. Low =
down
payments require PMI.
DISADVANTAGES=
:
18
1. FHA
19
![](3D"slide0072_image005.gif")
$261,609
VENTURA
$261,609
SANTA BARBARA
$261,609
SAN DIEGO
$183,350
SAN BERNARDINO
$183,350
RIVERSIDE
$261,609
ORANGE
$237,500
LOS ANGELES
MAXIMUM LOAN
COOUNTY
20
Maximum loan amount with no money down =
is:
<=
/span>
$240,000
=
On any
amount over $240,000 the veteran will need =
25% down.
21
Example:
Mr. Vet purchased a home for $340,000.
His down payment is $25,000
($340,000 – $240,000 =3D $100,000 x 25%)
($340,000 – $240,000 =3D $100,000 x 25%)
The loan amount is $315,000
($340,000 - $25,000)
($340,000 - $25,000)
22
=
CAL-VET
For L. A. and Orange Counties the =
maximum Cal Vet =
loan
is:
$250,000
Inter=
est
Rates
For Most Loans 6.65% <= /span>
For Most Loans 6.65% <= /span>
First time buyer 5.95%
23
Example:
Mr. Vet, is not a first time home owner, =
purchased a home=
for
$200,000 on a Cal Vet loan.
24
Fixed rate loans=
are
loans where the interest rate is constant during the term of the loan.
The two most used time periods for loans are =
15 and 30 years.=
One of the advantages of a <=
span
style=3D'font-family:"Century Schoolbook";font-size:117%'>15 year loan, co=
mpared
to a 30 year loan, is approximately ˝% less
interest rate.
25
=
=
=
Example:
Mrs. Fix can obtain 15 year loan at 8%, and a =
30 year loan at
8˝%. She obtains a $100,000 loan.
30 yr. =
12 x
30 x $751 =3D $270,360
15 yr. =
12 x
15 x $956 =3D $167,840Savings $102,520
26
1. Inde=
x
2.
Margin
3. Adju=
stment
period
4. Inter=
est
rate cap
5. Overa=
ll
cap
6. Payme=
nt cap
(7.5%)
7. Negat=
ive
amortization
8. Conve=
rsion
clause
27
INTEREST
RATE
Interest rate (%): The interest ra=
te of
an ARM loan is made up of the Index plus the margin
Index (I): The index is an
interest that cannot be controlled by the lender.
The index must be readily available and verifiable.
Margin (M): Lender adds to =
the
index a few percentage points (2 or 3), called the margin.
28
The ARM rate % is equal to the index plus the <=
span
style=3D'font-family:"Century Schoolbook";font-size:117%'>margin.
% =3D I + M
=
3;
% =3D 4% + 2% =
=3D 6%
29
ADJUSTMENT
PERIOD
The adjustment period of an ARM is the
period of time in which the lender can change the interest rate.
There are a variety of adjustment periods: 6 months or 1 year are most common.
Another method is 5/1.
This is where the Interest rate will not change for
the first 5 years. After 5=
=
years it could c=
hange
during the next 25 years.
30
ARM
DISCOUNTS
This term has a lot of names: introductory rate, =
tickler rate, te=
aser
rates are some of common names.
Mr. Toe procures $100,000
loan with an ARM rate of 6% and at the time of the loan the rate 7%. His monthly payments at 6% are $600. A year later the rate increase to 7%. His payments are =
now $665. He may=
not
be able to make this higher payment.
31
![](3D"slide0114_image007.gif")
There are two basic types of <=
/span>caps on an ARM
loan:
1. P=
eriod
Cap
2. L=
ifetime
Cap
32
PERIOD
CAP
A period cap limits the interest rate
increase or decrease from one adjustment period to the next. These caps are usually 1% to 2% per
adjustment period.&#=
13;
Mr. Elbow has an ARM with a 1% adjustment =
per period. If the ARM rate is now 7% then the =
next period it c=
an
only be increased to 8%.
33
OVERALL
CAP
The overall cap limits the interest rate increase <=
/span><=
span
style=3D'font-family:"Century Schoolbook";font-size:117%'>over the life of=
the
loan.
<=
/span>
Mrs. Leg has an ARM with a 7% interest rate. It has lifetime cap of 5%.
The highest the interest rate can be is 12%.
34
CONVERTIBLE
ARMs
A convertible ARM clause is one that
allows the borrower to convert the ARM to a fixed rate loan at designated ti=
mes.
35
THE
FINANCING PROCESS
=
=
3;
1. Qualifying the buyer.
=
3;
2. Qualifying the property.
=
;
=
3;
3. Approving and processing the
loan.
=
3;
4. Closing the loan.
=
3;
5. Servicing the loan.
36
QUALIFYING
THE BUYER
<=
/div>
=
Character
=
;
=
Capacity
=
=
Capital
37
QUALIFYING
THE BORROWER
These ratios can change from lender to lender and <=
/span>=
area to area.
FR =3D PITI ÷ GMI
38
Back-end Ratio
BR =3D (PITI + D) ÷ GMI
39
![](3D"slide0123_image008.gif")
CONVENTIONAL
Fixed ARMs=
3;
Front-end Ratio 28% 28%
Back-end Ratio=
36% 36%
![](3D"slide0123_image009.gif")
GOVERNMENT
FHA DVA=
3;
Front-end Ratio 29% None
Back-end Ratio=
41% 41%
40
REGULATION OF REAL ESTATE
FINANCING
![](3D"slide0106_image011.gif")
Truth-in-Lending
=
;
RESPA
Fair Credit Reporting
ACT
41
TRUTH-IN-LENDING ACT
This disclosure act requires that lenders reveal to =
customers how mu=
ch
they’re being charged for credit in terms of an Annual Percentage Rate =
(APR).
Under certain circumstances a customer has the =
right to cancel a
credit transaction up until midnight of the third day after signing (72 =
=
hours).
42
RESPA
Real Estate Settlement Procedures Act (RESPA) <=
span
style=3D'font-family:"Century Schoolbook";font-size:117%'>applies to first=
loans
on one to four umits residential properties.&#=
13;
A good-faith estimate is provided to every person <=
/span>=
requiring credit=
. Each charge will be listed on a =
HUD-1 statement.=
43
FAIR
CREDIT REPORTING ACT
If a loan is rejected because of information disclosed in a c=
redit
report, the borrower must be notified, and is entitled to know all the information the agency has in its file on the <=
span
style=3D'font-family:"Century Schoolbook";font-size:117%'>applicant (buyer=
) as
well as the sources.&#=
13;
44
![](3D"slide0185_image012.gif")
![](3D"slide0185_image013.gif")
![](3D"slide0185_image014.gif")
THANKS FOR COMING AND NOW YOU
CAN GO HOME
![](3D"slide0185_image015.gif")
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GoToSld( sldList.mList[gCurSld - 1].mSldHref );
}
}
var custShowList=3Dnew Array();
/*********************************************
Navigation button implementation
There are 2 types of buttons: ImgBtn, TxtBtn
implemented as function objects. They share
a similiar interface so the event handlers
can call SetActive, for example, on a button=20
object without needing to know exactly=20
what type of button it is.
**********************************************/
//----------------------------------
function ImgBtn( oId,bId,w,action )
//----------------------------------
{
var t=3Dthis
t.Perform =3D _IBP
t.SetActive =3D _IBSetA
t.SetInactive=3D _IBSetI
t.SetPressed =3D _IBSetP
t.SetDisabled=3D _IBSetD
t.Enabled =3D _IBSetE
t.ChangeIcon =3D null
t.UserAction =3D action
t.ChgState =3D _IBUI
t.mObjId =3D oId
t.mBorderId=3D bId
t.mWidth =3D w
t.mIsOn =3D t.mCurState =3D 0
}
function _IBSetA()
{
if( this.mIsOn ) {
obj=3Dthis.ChgState( gHiliteClr,gShadowClr,2 )
obj.style.posTop=3D0
}
}
function _IBSetI()
{
if( this.mIsOn ) {
obj=3Dthis.ChgState( gFaceClr,gFaceClr,1 )
obj.style.posTop=3D0=20
}
}
function _IBSetP()
{
if( this.mIsOn ) {
obj=3Dthis.ChgState( gShadowClr,gHiliteClr,2 )
obj.style.posLeft+=3D1; obj.style.posTop+=3D1
}
}
function _IBSetD()
{ =20
obj=3Dthis.ChgState( gFaceClr,gFaceClr,0 )
obj.style.posTop=3D0=20
}
function _IBSetE( state )
{
var t=3Dthis
GetObj( t.mBorderId ).style.visibility=3D"visible"
if( state !=3D t.mIsOn ) {
t.mIsOn=3Dstate
if( state )
t.SetInactive()
else
t.SetDisabled()
}
}
function _IBP()
{
var t=3Dthis
if( t.mIsOn ) {
if( t.UserAction !=3D null )
t.UserAction()
if( t.ChangeIcon ) {
obj=3DGetObj(t.mObjId)
if( t.ChangeIcon() )
obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-4)*t.mWidth
else
obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-0)*t.mWidth
}
t.SetActive()
} =20
}
function _IBUI( clr1,clr2,nextState )
{
var t=3Dthis
SetBorder( GetObj( t.mBorderId ),clr1,clr2 )
obj=3DGetObj( t.mObjId )
obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-nextState)*t.mWidth-obj=
.style.posTop
t.mCurState=3DnextState
return obj
}
//-----------------------------------------
function TxtBtn( oId,oeId,action,chkState )
//-----------------------------------------
{
var t=3Dthis
t.Perform =3D _TBP
t.SetActive =3D _TBSetA
t.SetInactive=3D _TBSetI
t.SetPressed =3D _TBSetP
t.SetDisabled=3D _TBSetD
t.SetEnabled =3D _TBSetE
t.GetState =3D chkState
t.UserAction =3D action
t.ChgState =3D _TBUI
t.mObjId =3D oId
t.m_elementsId=3D oeId
t.mIsOn =3D 1
}
function _TBSetA()
{
var t=3Dthis
if( t.mIsOn && !t.GetState() )
t.ChgState( gHiliteClr,gShadowClr,0,0 )
}
function _TBSetI()
{
var t=3Dthis
if( t.mIsOn && !t.GetState() )
t.ChgState( gFaceClr,gFaceClr,0,0 )
}
function _TBSetP()
{
if( this.mIsOn )
this.ChgState( gShadowClr,gHiliteClr,1,1 )
}
function _TBSetD()
{ =20
this.ChgState( gFaceClr,gFaceClr,0,0 )
this.mIsOn =3D 0
}
function _TBSetE()
{
var t=3Dthis
if( !t.GetState() )
t.ChgState( gFaceClr,gFaceClr,0,0 )
else
t.ChgState( gShadowClr,gHiliteClr,1,1 )
t.mIsOn =3D 1
}
function _TBP()
{
var t=3Dthis
if( t.mIsOn ) {=20
if( t.UserAction !=3D null )
t.UserAction()
if( !t.GetState )
return
if( t.GetState() )
t.SetPressed()
else
t.SetActive()
} =20
}
function _TBUI( clr1,clr2,lOffset,tOffset )
{
SetBorder( GetObj( this.mObjId ),clr1,clr2 )
Offset( GetObj( this.m_elementsId ),lOffset,tOffset )
}
function Offset( obj, top, left ){ obj.style.top=3Dtop; obj.style.left=3Dle=
ft }
function SetBorder( obj, upperLeft, lowerRight )
{
s=3Dobj.style;
s.borderStyle =3D "solid"
s.borderWidth =3D 1=20
s.borderLeftColor =3D s.borderTopColor =3D upperLeft
s.borderBottomColor=3D s.borderRightColor =3D lowerRight
}
function GetBtnObj(){ return gBtnArr[window.event.srcElement.id] }
function BtnOnOver(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetActive() }
function BtnOnDown(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetPressed() }
function BtnOnOut(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetInactive() }
function BtnOnUp()
{
b=3DGetBtnObj()
if( b !=3D null )
b.Perform()
else
Upd()
}
function GetNtsState(){ return parent.gNtsOpen }
function GetOtlState(){ return parent.gOtlOpen }
function GetOtlTxtState(){ return parent.gOtlTxtExp }
function NtsBtnSetFlag( fVal )
{
s=3Ddocument.all.item( this.m_flagId ).style
s.display=3D"none"
if( fVal )
s.display=3D""
else
s.display=3D"none"
}
function _BSetA_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S=
etActive() }
function _BSetI_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S=
etInactive() }
function _BSetP_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S=
etPressed() }
function _BSetA_BorderImg()
{=20
b =3D gBtnArr[this.mBorderId]=20
if( b !=3D null && this.mIsOn && !b.GetState() ) {
obj=3Dthis.ChgState( gHiliteClr,gShadowClr,2 )
obj.style.posTop=3D0
}
}
function _BSetI_BorderImg()
{=20
b =3D gBtnArr[this.mBorderId]
if( b !=3D null && this.mIsOn && !b.GetState() ) {
obj=3Dthis.ChgState( gFaceClr,gFaceClr,1 )
obj.style.posTop=3D0
}
}
var gHiliteClr=3D"THREEDHIGHLIGHT",gShadowClr=3D"THREEDSHADOW",gFaceClr=3D"=
THREEDFACE"
var gBtnArr =3D new Array()
gBtnArr["nb_otl"] =3D new TxtBtn( "nb_otl","nb_otlElem",parent.ToggleOtlPan=
e,GetOtlState )
gBtnArr["nb_otlElem"] =3D new TxtBtn( "nb_otl","nb_otlElem",parent.ToggleOt=
lPane,GetOtlState )
gBtnArr["nb_nts"] =3D new ImgBtn( "nb_nts","nb_ntsBorder",10,parent.ToggleN=
tsPane )
gBtnArr["nb_nts"].SetActive =3D _BSetA_BorderImg;
gBtnArr["nb_nts"].SetInactive =3D _BSetI_BorderImg;
gBtnArr["nb_ntsBorder"] =3D new TxtBtn( "nb_ntsBorder","nb_ntsElem",parent.=
ToggleNtsPane,GetNtsState )
gBtnArr["nb_ntsElem"] =3D new TxtBtn( "nb_ntsBorder","nb_ntsElem",parent.To=
ggleNtsPane,GetNtsState )
gBtnArr["nb_prevBorder"] =3D gBtnArr["nb_prev"]=3D new ImgBtn( "nb_prev","n=
b_prevBorder",30,parent.GoToPrevSld )
gBtnArr["nb_nextBorder"] =3D gBtnArr["nb_next"]=3D new ImgBtn( "nb_next","n=
b_nextBorder",30,parent.GoToNextSld )
gBtnArr["nb_sldshw"]=3D new ImgBtn( "nb_sldshw","nb_sldshwBorder",18,parent=
.FullScreen )
gBtnArr["nb_sldshwBorder"] =3D new TxtBtn( "nb_sldshw","nb_sldshwBorder",pa=
rent.FullScreen,null )
gBtnArr["nb_sldshwBorder"].SetActive =3D _BSetA_Border;
gBtnArr["nb_sldshwBorder"].SetInactive =3D _BSetI_Border;
gBtnArr["nb_sldshwText"] =3D new TxtBtn( "nb_sldshw","nb_sldshwText",parent=
.FullScreen,null )
gBtnArr["nb_sldshwText"].SetActive =3D _BSetA_Border;
gBtnArr["nb_sldshwText"].SetInactive =3D _BSetI_Border;
gBtnArr["nb_voice"] =3D gBtnArr["nb_voiceBorder"] =3D new ImgBtn( "nb_voice=
","nb_voiceBorder",18,parent.ToggleVNarration )
gBtnArr["nb_otlTxtBorder"] =3D gBtnArr["nb_otlTxt"]=3D new ImgBtn( "nb_otlT=
xt","nb_otlTxtBorder",23,parent.ToggleOtlText )
gBtnArr["nb_ntsBorder"].m_flagId=3D "nb_nts"
gBtnArr["nb_ntsBorder"].SetFlag =3D NtsBtnSetFlag
gBtnArr["nb_otlTxt"].ChangeIcon=3D GetOtlTxtState
/*********************************************
Context menu implementation
_CM() is the function that's hooked up to
the oncontextmenu event. Once we're asked to
show the menu, we first build it by creating
DIVs on-the-fly. Then we position it=20
within the screen area so it doesn't get
clipped.
Creating the DIVs using createElement() means
we don't have to write out any extra HTML
into the slide HTML files.
**********************************************/
var sNext=3D"Next",sPrev=3D"Previous",sEnd=3D"End Show",sFont=3D"Arial",sAr=
row=3D"Arrow",sFreeform=3D"Freeform",sRect=3D"Rectangle",sOval=3D"Oval"
function ShowMenu()
{
BuildMenu();
var doc=3DPPTSld.document.body,x=3DPPTSld.event.clientX+doc.scrollLeft,y=
=3DPPTSld.event.clientY+doc.scrollTop
m =3D PPTSld.document.all.item("ctxtmenu")
m.style.pixelLeft=3Dx
if( (x+m.scrollWidth > doc.clientWidth)&&(x-m.scrollWidth > 0) )
m.style.pixelLeft=3Dx-m.scrollWidth
m.style.pixelTop=3Dy
if( (y+m.scrollHeight > doc.clientHeight)&&(y-m.scrollHeight > 0) )
m.style.pixelTop=3Dy-m.scrollHeight
m.style.display=3D""
}
function _CM()
{
if( !parent.IsFullScrMode() ) return;
if(!PPTSld.event.ctrlKey) {
ShowMenu()
return false
} else
HideMenu()
}
function BuildMenu()
{
if( PPTSld.document.all.item("ctxtmenu") ) return
var mObj=3DCreateItem( PPTSld.document.body )
mObj.id=3D"ctxtmenu"
mObj.style.visibility=3D"hidden"
var s=3DmObj.style
s.position=3D"absolute"
s.cursor=3D"default"
s.width=3D"120px"
SetCMBorder(mObj,"menu","black")
var iObj=3DCreateItem( mObj )
SetCMBorder( iObj, "threedhighlight","threedshadow" )
iObj.style.padding=3D2
CreateMenuItem( iObj,sNext,M_GoNextSld,M_True )
CreateMenuItem( iObj,sPrev,M_GoPrevSld,M_HasPrevSld )
=09
CreateSeparator( iObj )
CreateMenuItem( iObj,sEnd,M_End,M_True )
mObj.style.visibility=3D"visible"
}
function Cancel() { window.event.cancelBubble=3Dtrue; window.event.returnVa=
lue=3Dfalse }
function Highlight() { ChangeClr("activecaption","threedhighlight") }
function Deselect() { ChangeClr("threedface","menutext") }
function Perform()
{
e=3DPPTSld.event.srcElement
if( e.type=3D=3D"menuitem" && e.IsActive() )
e.Action()
else
PPTSld.event.cancelBubble=3Dtrue
}
function ChangeClr( bg,clr )
{
e=3DPPTSld.event.srcElement
if( e.type=3D=3D"menuitem" && e.IsActive() ) {
e.style.backgroundColor=3Dbg
e.style.color=3Dclr
}
}
function M_HasPrevSld() { return( parent.HasPrevSld() ) }
function M_GoNextSld() { if( gIsEndShow ) M_End(); else GoToNextSld() }
function M_GoPrevSld() { if( gIsEndShow ) { gIsEndShow=3D0; history.back();=
PPTSld.event.cancelBubble=3Dtrue; } else GoToPrevSld() }
function M_True() { return true }
function M_End() { window.close( self ) }
function CreateMenuItem( node,text,action,eval )
{
var e=3DCreateItem( node )
e.type=3D"menuitem"
e.Action=3Daction
e.IsActive=3Deval
e.innerHTML=3Dtext
if( !e.IsActive() )
e.style.color=3D"threedshadow"
e.onclick=3DPerform
e.onmouseover=3DHighlight
e.onmouseout=3DDeselect
s=3De.style;
s.fontFamily=3DsFont
s.fontSize=3D"9pt"
s.paddingLeft=3D2
}
function CreateSeparator( node )
{
var sObj=3DCreateItem( node )
SetCMBorder(sObj,"menu","menu")
var s=3DsObj.style
s.borderTopColor=3D"threedshadow"
s.borderBottomColor=3D"threedhighlight"
s.height=3D1
s.fontSize=3D"0px"
}
function CreateItem( node )
{
var elem=3DPPTSld.document.createElement("DIV")
node.insertBefore( elem )
return elem
}
function SetCMBorder( o,ltClr,rbClr )
{
var s=3Do.style
s.backgroundColor=3D"menu"
s.borderStyle=3D"solid"
s.borderWidth=3D1
s.borderColor=3DltClr+" "+rbClr+" "+rbClr+" "+ltClr
}
------=_NextPart_01C47961.D4A41C10
Content-Location: file:///C:/CEF91233/Chapter12Loans_files/fullscreen.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="windows-1252"
No Slide Title
------=_NextPart_01C47961.D4A41C10--
‹#›
------=_NextPart_01C47961.D4A41C10
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