Rarely have interest rates on home mortgages been lower. The average interest rate for a 30-year loan has been around 3%, and the rate for a 15-year loan has approached 2.5%. Because of the drop-in interest rates, the price of houses has actually gone up
Of the many small businesses that apply for loans every year, only half are approved. According to lending experts, there are four primary reasons why small business loans get rejected.Credit ProblemsBad credit or no credit is a red flag for lenders. Would you loan money
To be a successful loan officer, you must master the art of timing. For example, closing deals during the holidays can be almost impossible. Most leads postpone signing the contract until after the festivities. Second, getting your facts right regarding the interest rates, terms, and
When it comes to the hospitality industry, people are the most important asset that your business has and it's important to make sure that you have the right team. Your customers will be interacting with your employees during the time that they spend with your
Finding the right hire to handle a position in your organization can be taxing. You’ll screen their background, check their character, and see if they have what it takes to help you and your company achieve your goals. Furthermore, the recruitment process also asks you
Hiring new workers can be tough, and background screening as a component can make hiring even harder. There are several myths about pre-employment screening and checks of employees; some businesses don't believe background checks are necessary during the hiring process. Other companies make errors that
Believe it or not, about one-third of the United States population has a criminal past, which generally causes their chances for employment to diminish, regardless of the level of the offense. Rather than generalizing the crimes that have been committed when considering applicants with a
Many new jobs require a criminal background check before the hiring process is completed. As an applicant, it is easy to worry about all the potential information such a check could reveal. Traffic violations are an especially common concern, because many people have had them.
Before making a new hire, many managers put prospective employees through an intensive background check. These reviews usually include a look at a job candidate’s criminal record, credit, drug record, education background, and work history. While nobody’s record is likely to be perfect, certain problems will
Nowadays, employers cannot be too careful about who they employ. Hence, almost every employer or hiring agency conducts background checks on potential hires. Depending on the company and the job position in question, employers can check an applicant’s credit reports, criminal records, or motor vehicle