The Department of Housing and Urban Development, or HUD, is warning consumers about two separate offers that are going around.

One is a work-at-home offer to become a “Refund Tracer.”  Consumers report getting job offer postcards in the mail from companies boasting high starting pay and benefits to process government insurance FHA refund notices.

On its Web site, HUD reminds consumers that the Department does not have a financial relationship with third party tracers nor does HUD authorize disclosure of a homeowner’s information other than that which is available under the Freedom of Information Act.

HUD is also warning consumers to be careful about any literature or soliciations stating that a chance in HUD’s, FHA’s or the government’s policy will prevent you from receiving your FHA refund and that you should call their office immediately.

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For all the lists of “Top 10 Expensive Homes” that circle the net, if you truly want to live like a king it’s obvious that you have to become a world leader. Here’s where the heads of state rest their own heads at night.

The Chancellor of Germany


Emperor of Japan

Grand Duke of Luxembourg

King of Romania

King of Spain

Prime Minister of the United Kingdom (UK)

President of France

President of Ireland

President of Italy

President of Panama

President of Russia

President of the Republic of Cyprus

President of the United States of America (USA)

Prime Minister of Australia

Prime Minister of Japan

Prime Minister of Spain

Queen of England

In this day and age, people get bad credit histories for all sorts of unforeseen reasons, apart from the old standard of living above one’s means. I know several people who have got into difficulties through either redundancy, prolonged illness or a car accident, divorce, or in fact one luckless fellow had all three situations arise.

Is it possible to get a loan even with a bad credit mortgage? In today’s mortgage and loan trends, a bad credit mortgage is absolutely possible.

In the past, applying for a loan involves a thorough check up on your credit history and income background. With the world wide web, it is virtually impossible to hide any defaults. If your history is less than perfect or if your income is not that high or both, then your application for a loan is instantly rejected. This practice limits the number of people who can apply for a loan.

Today’s market has adopted more flexible methods. Bad credit mortgages makes it possible for people with low credit scores to still apply for a loan and get approved.

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