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Jacques Poujade: How To Qualify For An FHA Loan

July 8, 2020 by kim Leave a Comment

When you’re looking to finance a property, there are many different types of loans you can pursue. It’s important to understand your different lending options, so you pursue an option that’s the best fit for you.

Especially if you are concerned for your income level or credit score, it’s important to know that there are many different kinds of loans which may be suitable for you, and which may allow you to successfully finance your home. For example, FHA loans, or Federal Housing Administration insured loans, are an excellent option that you may not be aware of.

Jacques Poujade, a real estate investing professional, is an expert when it comes to the lending industry. Poujade is currently a managing partner at LendPlus, and a direct lender based in Aliso Viejo, California.

We sat down with Poujade, to talk about different lending options, and especially FHA loans, and how to qualify for an FHA loan.

Jacques, what makes you an expert in real estate and real estate investing?

I’ve been working in these industries for decades, and I’ve seen a lot over that time. I have vast experiences which span different companies and different sectors of these industries. My professional goal now is to make sure that every borrower is able to finance the perfect 2property and reach their version of the American Dream.

As for my educational background, I obtained a Master’s Degree in Finance from McGill University and a Bachelor’s Degree in Commerce from Concordia University, Loyola Campus.

Why do you see mortgage solutions are being so crucial to the American Dream?

There are a lot of potential barriers to property ownership, which can really inhibit someone from achieving their dreams. I believe that these rights should be available to every American, and that the trick to achieving these dreams is having the proper lender. I think many borrowers don’t realize that having your lender in your corner can be a make or break difference.

Why is now a good time to finance a property?

Mortgage rates are hovering around record lows, and they’ve been there for a while. This is due in part to the COVID-19 pandemic. As we know, this pandemic has been challenging for many people economically. But if you’re in a position to borrow, it’s actually a great time to finance a property. These kinds of mortgage rates could save you thousands of dollars during the lifetime of your loan.

So you’re an expert in alternative lending solutions. Tell us about FHA loans.

FHA stands for Federal Housing Administration loans. You still get your loan from a lender, but they’re backed but the Federal Housing Administration. These loans are designed for Americans with lower incomes, as they typically require lower down payments, and you can be approved with a lower credit score.

They can be great for a first-time borrower, and it’s even possible to get them if you have certain types of debts. They do come with their limits, like you need to pay mortgage insurance premiums on the loans, so it’s important to do your research to see if they’re the type that’s right for you.

How do you qualify for an FHA loan?

You have to verify your source of income, and show that you can afford that down payment, even though it’s much lower than a traditional down payment. If you have any debts, you have to show you can pay those off as well typically. Your credit score usually has to be above 580, and your loan has to be within a certain limit.

If you’re interested in pursuing alternative lending options, be sure to check out our options at LendPlus. Our goal is to help people find a lending solution that works for them, and we’re proud of the work that we do.

The F.H. Cann & Associates Difference: How Do Their Call Center Offerings Serve Clients?

May 18, 2020 by kim Leave a Comment

For large companies who need call center support, it may seem like there are plenty of equal opportunities out there. But the truth is, there are some big differences when it comes to how companies deliver call center solutions, and primarily, how they treat you as the customer. F. H. Cann & Associates has been providing best-in-class account receivables management services for more than 20 years, and their wealth of experience and method of customer care makes a real difference. So, what is that F. H. Cann & Associates difference, and how do their call center offerings serve clients?

Customers come first

One of the biggest differences between F. H. Cann & Associates and their competitors is their ethos of customer care. F. H. Cann & Associates prides themselves on being a customer centric company, meaning that their customers are their priority. Here are some of the differences between F. H. Cann & Associates, and other companies:

Each customer receives a program customized to their needs
There’s also a dedicated staff for each customer
F. H. Cann & Associates utilizes the latest technological advancements
The staff of F. H. Cann & Associates undergoes robust training so they’re ahead of the pack when it comes to account receivables management services
F. H. Cann & Associates goes above and beyond when it comes to compliance and quality aspects to their work

Useful services for a wide range of industries

F. H. Cann & Associates is known in the industry for tackling some of the most challenging and complex call center projects in today’s business landscape. For large companies who need added phone support to governments and municipalities, they have the resources and the highly-skilled staff necessary for these kinds of jobs. Plus, F. H. Cann & Associates is extremely versatile when it comes to the industries they serve. Here is a sample of industries they work with:

Education: FHC prioritizes student outcomes, as they help borrowers repay their loans successfully
Government: FHC is familiar with the unique issues that governments can face when it comes to collecting debts from citizens and businesses, and is experienced in navigating these challenges
Financial institutions: FHC has a proven track record of serving nationally chartered banks, credit unions and other financial institutions, and is skillful at collecting various types of debt
Medical: Recovering medical debts can be a challenging line of work, but FHC is well-versed in handling these difficult projects with ease

The FHC Difference

There are many factors that make F. H. Cann & Associates stand out from the pack. Their US-based team is experienced in handling some of the most challenging call center projects in the business world today. If you’re interested in learning more, or if you’d like to partner with F. H. Cann & Associates, you can visit their Facebook, Twitter, and Linkedin. Plus, F. H. Cann & Associates is always sharing helpful business tips and tricks on their blog.

Team Building Secrets: How Does Jacques Poujade From LendPlus Attract Top Business Talent?

May 4, 2020 by kim Leave a Comment

There’s no question that the market is saturated with talented individuals interested in expanding their resume. Despite that, finding the right members for you team can be difficult to do for a variety of reasons. While hiring the right team is important, it’s about more than simply hiring the right individual, but also creating the perfect platform to attract the best professionals.

As one of the leaders in the financial field and managing partner at LendPlus, Jacques Poujade knows the importance of building your internal and external network. It’s through this experience that he’s learned how to find, grow, and nourish a team. Here are Jacques Poujade’s team building secrets. How does Jacques Poujade from LendPlus attract top business talent?

Good Team Morale

Before building a team, it’s important to ensure that you’re bringing them into a thriving environment which can be defined through a variety of things. A thriving environment can be defined by a few things, but it’s important to start by creating one that establishes a platform for success among your company, team, and team members. Jacques Poujade understands the importance of providing this platform to ensure that your team member has all the resources to do their best work and want to continue doing that work for your team’s mission.

Competitive Salaries

While creating an environment to succeed is important, it’s also important that your team is offered competitive salaries. While he’s now the leader of teams, Jacquest Poujade gives a lot of credit to his success from the strong network of team members that has supported him throughout his career. At the end of the day, how you fiscally incentivize your employees says how your company is doing and the level of expertise that you expect from your team members. Not only does this send a message to potential team members, but also your clients, that you have the best in the business and are looking to continue hiring the same.

Keep An Eye on The Future

Any good professional has their eye on the future, and you should expect nothing less from your team. It’s important for your team members to feel as though you’re offering them a place to grow and be provided the opportunity to grow. That established routine of growth helps team members establish roots with long term goals in the company. Likewise, when your employees’ goals are focused on the long-term goals of your team, you have a strong unit focused on furthering the larger mission to the greatest levels of success.

Community

Jacques Poujade believes in keeping in touch with his community through his team’s skill. Whether it’s sharing expertise, attending community events, or simply lending advice where requested, Jacques Poujade wants his team to feel connected to those around them. Connect with Jacques Poujade on Instagram and Facebook for the latest.

3 Ways To Show Support For Your Children’s Hobbies

December 15, 2019 by kim Leave a Comment

While having children can be fun and rewarding, the experience doesn’t often go the way that you had planned or foreseen. Because of this, many parents struggle with reconciling the future they envisioned for their children with the actual path that their children want to take, especially when it comes to things like shared interests or hobbies.

So if you have a child who wants to try something that you’re unfamiliar with, here are three ways you can show your support for that child’s hobbies.

Let Them Follow Their Own Passion

For many parents, it can be hard to view your child as their own person rather than just an extension of yourself. This can be especially challenging if your child chooses a passion or hobby that you wouldn’t necessarily pick for them. But if your child has decided that he or she wants to try something like gymnastics rather than take piano lessons anymore, one of the best things you can do for them is to allow them to follow that passion.

According to FamilyEducation.com, part of allowing your child to choose and follow their own passion when it comes to hobbies is not guilting them into doing something they don’t want to do or have no interest in. Even if it’s something you think they’d enjoy, for now, just allow them to follow where their heart or interest leads.

Give Them Time To Flounder

Not every child is going to pick up their chosen hobby at the first try. In fact, for many kids, it can take a long time for them to become proficient at whatever hobby they’re trying. So to show your support during this time, it’s good to know what the stages of trying something new are and allowing your child to flounder a bit during these stages.

Valerie Frankel, a contributor to Good Housekeeping, shares that, at first, kids don’t know how much they don’t know about a new hobby. But once they realize that learning this hobby will be hard work, they often want to give up. So until they can get over this hump, you might just need to give them some time to figure this out without judgment.

Remain Optimistic For Them

While your child is trying to figure out what hobbies to pursue, one of the best ways you can show them support is by being optimistic for them.

Even as young kids, Dr. Susan Newman, a contributor to Psychology Today, shares that it’s easy to feel deflated when things get hard. But if you’re always there to support your child with your optimism about things getting better and easier in the future, your child may have a much easier time coping with this learning curve.

If you want to support your child in their hobbies but aren’t sure how, consider using the tips mentioned above to help you do just that.

3 Tips For Finding The Right Interior Designer For Your Design Project

December 6, 2019 by kim Leave a Comment

If you’re wanting to redesign the interior of your home but don’t quite have the skill or ability to do it on your own, working with an interior designer could be the best way for you to get a space that you love without having to put in all the design work yourself. But while this might seem like an easy choice to make, picking the right interior designer can actually be quite tough.

Because design styles are so subjective, it really can take a lot of hard work to find someone who’s going to be able to make your space into something that represents you and will be safe and comfortable for you to use. So to help you in making this all-important decision, here are three tips for finding the right interior designer for your design project.

Take A Close Look At Their Portfolio

Before you can choose one interior designer to work with, you first have to see what your options are. According to Danica Rog, a contributor to Freshome.com, the best way to do this is to gather the portfolios of the interior designers you’re considering working with.

With their portfolios in hand, you should try to find one that either showcases a lot of different styles or have a signature style that you’re very drawn to. By going with one of these two options, you’ll either be assured that you’re working with someone who can create any type of space for any type of client or that you’ll get something in a look that you know you’ll love.

Look For Someone Who Pushes You

While you might have your own design aesthetic, if you really felt confident in your abilities to do all of the interior design work yourself, you likely wouldn’t be looking for an interior designer in the first place. Because you this, it can be great to find someone who’s going to push you a little bit.

According to Stefan of Homedit.com, by keeping an open mind about design concepts or ideas that you may not have thought of before, you could wind up with a final product that you end up loving more than anything you could have come up with on your own. So before you dismiss your interior designer’s suggestions, make sure you see if they’re trying to push you just slightly in the right direction.

Find Someone Who Can Work Within Your Budget

Although most people think that working with an interior designer is going to be extremely expensive, almost anyone who’s wanting to redesign their home can likely find someone within their price range. The trick here is making sure that you’re only soliciting those who can work within your budget.

To do this, Margarette Burnette, a contributor to NerdWallet.com, advises that you let any designer you meet with know about your budget up-front. This will help you to weed out anyone who would be too expensive for you or have hidden costs that you otherwise might not have been aware of.

If you’re wanting to hire an interior designer to help you with the design and decor of your home, consider using the tips mentioned above to help you find the right person to work with.

The Most Common Workplace Injuries And How To Avoid Them

December 4, 2019 by kim Leave a Comment

Far too often, workers are seriously injured on the job, some of which are fatal. Often these injuries are entirely avoidable by taking the right precautions. Had only someone taken a few extra steps to make sure that all of the proper safety measures were taken, then fewer people would suffer as a result.

It should be every employer’s priority to keep their workers safe and free of injury. Whether it’s by enforcing protective gear or requiring specialized training before operating machinery, the employer’s job is to keep everyone safe.

Here are some of the most common ways that people get hurt on the job and what you can do to avoid them.

Repetitive Motion Injuries

Although it may not seem like the most dangerous of injuries, it can s seriously harm you in the long run. Jobs that require the same action over and over can start to take its toll on your body resulting in a variety of problems.

Some repetitive motion injuries include vision issues, carpal tunnel issues, and even back and neck strain. It’s vital that you properly train your employees on the best methods to avoid injury and stay healthy in their work environment.

Machine Injuries

In work environments where there is a lot of heavy machinery present, it’s not uncommon for people to get entangled in pieces of machinery. Anything from loose clothing to hair can get caught between mechanical parts and lead to a gruesome death.

In order to avoid incidents like these, employers should make sure that employees wear proper clothing and pay extra attention to hazards. Supervisors should be set in place to make sure that there is no irresponsible use of machinery at any moment.

Falling Objects

There are thousands of incidents a year of employees being hit by a fallen object. Whether it’s dropped from another employee’s arms or from the top of a shelf, these types of injuries can cause serious harm.

In warehouse environments, workers should wear appropriate shoes as well as helmets to protect their bodies from falling objects. Wearing a simple item of clothing can be instrumental in avoid tragic circumstances.

Slip and Fall

One of the most common injuries that can happen anywhere and at any time is a slip and fall accident. When something slippery and wet is on the floor, unknowing workers slip and hurt themselves.

Work surfaces should always be kept clear and free of spills and leaks. If there is ever a wet surface, it should be labeled and blocked off for workers to avoid.

By instilling proper training and encoring safety equipment, you can keep your workers much safer. By raising awareness of the risks involved, you can increase safety standards at your business.