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Fun Freetime: Mini Golf

  • Dec. 16th, 2008 at 7:01 PM
baseball field, baseball express, baseball hat, basketball hoop, basketball game
My mom used to make this when I was growing up. It's very filling and is a great way to combine meat, veggies, and bread all together.

Thaw out a loaf of frozen bread dough.
Cook your choice of one pound of meat (ground pork/beef/turkey/chicken or chicken pieces work best).
Choose your veggie (cabbage, corn, and tomatoes are popular for us).
Choose your cheese.
Choose your optional extras (spaghetti sauce, taco seasonings, etc).

Layer it all on the rolled-out bread dough and wrap it up as best you can (I've never been as good as my mom who manages to get everything inside with no tears, but it still tastes fine).

Cook at 350 for about 20 minutes or so, until dough is golden brown.

I think the original way is ground beef, cabbage, and mozzarella, but I honestly have no idea anymore.

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Massive lessons in mini-golf

  • Dec. 15th, 2008 at 12:00 AM
baseball field, baseball express, baseball hat, basketball hoop, basketball game
St. Vincent de Paul Adopt-A-Family program coordinators Louise Howerter-Wertheimer, left, assistant coordinator, and Rena Sims, volunteer coordinator, pose Saturday at St. Vincent de Paul next to their current food donations, which consists solely of a box of sweet potatoes and a bag of food. Of the 100 families it seeks to feed this Christmas, Adopt-A-Family only has 20 individual donators so far. It urges the public to help make this holiday a happy and enjoyable time for everyone. For a list of suggested gift or food items to donate, call St. Vincent's Smith Hall Office at 789-4705.

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Open Mini Golf 1.0

  • Oct. 12th, 2008 at 2:16 PM
baseball field, baseball express, baseball hat, basketball hoop, basketball game



Everything needed to play online and offline computer media
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Mini Golf on the Roof of a House

  • Oct. 8th, 2008 at 2:00 AM
baseball field, baseball express, baseball hat, basketball hoop, basketball game
I am excited to be able to win on one of the most challenging golf courses in Georgia against some of the best Adult-Men Amateur players on the Georgia Golf Tour, Randall said. I have been working on some swing mechanics for further improvements so this win on the Tour in the Final Tournament of the season is really special.
The field included approximately 50 of some of the best Adult-Men Amateur Tour Players in Georgia. She now joins an Elite list of amateur level golfers that has also Qualified to play at the National Level on the Golf Channel Tour.
Zakiya, known by fans as , has become a media darling. She has been in Sports Illustrated, EBONY Magazine, on Tavis Smiley Radio Show, The Golf Channel TV Show, Nominated as a Finalist for outstanding talents and have been featured in numerous magazines, newspapers and on-line journals around the world.
Randall took up Golf at the age of 10 and after winning a series of Tennis tournaments she was immediately successful in Golf, winning Player of the Year Honors.

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Tokyo – October 7, 2008 – Iconic Japanese developer Grasshopper Manufacture has licensed Epic Games’ Unreal Engine 3 for a new multiplatform action horror game to be published by Electronic Arts Inc. (NASDAQ: ERTS). The new game is directed by innovative game designer Suda51 and produced by legendary Resident Evil creator Shinji Mikami.
“Unreal Engine 3 is a powerful, easy-to-implement game engine that is helping the creative team at Grasshopper quickly bring our vision to life,” said Goichi Suda, CEO of Grasshopper Manufacture. “The innovative tools and technology in Unreal Engine 3 help developers create games faster, easier and with less risk.”
“It’s an honor to work with Mikami-san and Suda-san on their next project,” said Jay Wilbur, vice president, Epic Games. “Grasshopper Manufacture is one of the most daring and innovative studios in the world, and we can’t wait to see what they’re able to do with Unreal Engine 3.

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Mini Golf and Multiculturalism

  • Oct. 7th, 2008 at 1:41 AM
baseball field, baseball express, baseball hat, basketball hoop, basketball game

The one thing that I love most and look forward to is this: To spend time with my husband in prayer. Simple yet so wonderful. My husband and I have seen God work a miracle in our lives. We have seen Him change us and help us in our marriage and in our lives. Prayer truly changes things. Prayer is the most powerful tool that God gave us. It brings life to us. Relationship with God is developed by prayer.
I truly believe that true Christians do not need counselors or therapists. They need time on their knees before the true Physican. They need to look not to themselves but to God. I found that no amount of talking about your problems really solves anything. Only God can change a persons mental state or work out issues that are beyond us. A person can get themselves in such a state if they continue to look inward and focus on themselves and there problems.
I have learned so much about myself when I pray with my husband. I find that you become more in tuned with each other. You become closer and your focus is as one. Unity is developed.  I believe it to be a wonderful gift and a blessing for two to come together in agreement in prayer. It is powerful and the scripture says :     Matthew 18:19    Again I say unto you, That if two of you shall agree on earth as touching any thing that they shall ask, it shall be done for them of my Father which is in heaven.
I found some wonderful writing on Family worship I do hope you enjoy reading this and take to heart it content. Worship can and will change your life. It will put you on the right path and help you to see the will of God for your life.
Charles Spurgeon – “Home Worship” and “Morning an Evening”
He wakeneth morning by morning. He wakeneth mine ear to hear as the learned. (Isa 50:4)
My soul shall be satisfied as with marrow and fatness; and my mouth shall praise thee with joyful lips; when I remember Thee upon my bed, and meditate on Thee in the night watches. (Ps 63:5,6)
We deeply want a revival of domestic religion. The Christian family was the bulwark of godliness in the days of the puritans, but in these evil times hundreds of families of so-called Christians have no family worship, no restraint upon growing sons, and no wholesome instruction or discipline. How can we hope to see the kingdom of our Lord advance when His own disciples do not teach His gospel to their own children? Oh, Christian men and women, be thorough in what you do and know and teach! Let your families be trained in the fear of God and be yourselves holiness unto the Lord so shall you stand like a rock amid the surging waves of error and ungodliness which rage around us.
John Bunyan - Duties of Fathers and Parents
As touching the spiritual state of his family; he ought to be very diligent and circumspect, doing his utmost endeavour both to increase faith where it is begun, and to begin it where it is not. Wherefore, to this end, he ought diligently and frequently to lay before his household such things of God, out of his word, as are suitable for each particular.
Thy children have souls, and they must be begotten of God as well as of thee, or they perish. And know also, that unless thou be very circumspect in thy behavior to and before them, they may perish through thee: the thoughts of which should provoke thee, both to instruct, and also to correct them.
Matthew Henry – Commentary
Masters of families, who preside in the other affairs of the house, must go before their households in the things of God. They must be as prophets, priests, and kings in their own families; and as such they must keep up family-doctrine, family-worship, and family-discipline: then is there a church in the house, and this is the family religion I am persuading you to. You must read the scriptures to your families, in a solemn manner, requiring their attendance on your reading, and their attention to it: and inquiring sometimes whether they understand what you read? Those masters of families who make conscience of doing this daily, morning and evening, reckoning it part of that which the duty of every day requires, I am sure they have comfort and satisfaction in so doing, and find it contributes much to their own improvement in Christian knowledge, and the edification of those that dwell under their shadow;
John Gill – Christian Duty
Husbands duty to wives - In seeking her spiritual welfare; her conversion, if unconverted, and her spiritual peace, comfort, and edification, she being an heir with him of the grace of life; by joining with her in all religions exercises; in family worship, in reading, in prayer, in praise, in Christian conference and conversation; by instructing her in everything relating to doctrine, duty, and church discipline; in answer to questions she may and has a right to ask him at home (1 Cor. 14:35).
Parents duty to children - It is proper to instruct them in the necessity of faith in God and in Christ, and of the use of prayer; and to lay before them the sinfulness of sin, and show them what an evil thing it is, and what are the sad effects of it; to teach them their miserable estate by nature, and the way of recovery and salvation by Christ; and to learn them from childhood to read and know the holy scriptures, according to their capacity; and by these to be of sin, and of their duty, to fear God, and keep his commandments; which may be meant by the admonition of the Lord and the proper opportunity should be taken to instil these things into their minds.
John Knox – Giving Account
Brethren, you are ordained of God to rule your own houses in his true fear, and according to his word. Within your houses, I say, in some cases, you are bishops and kings; your wife, children, servants, and family are your bishopric and charge. Of you it shall be required how carefully and diligently you have instructed them in Gods true knowledge, how you have studied to plant virtue in them, and [to] repress vice. And therefore I say, you must make them partakers in reading, exhorting, and in making common prayers, which I would in every house were used once a day at least. But above all things, dear brethren, study to practice in life that which the Lord commands, and then be you assured that you shall never hear nor read the same without fruit.
Jonathan Edwards – Every Christian Family a Little Church,
Every Christian family ought to be as it were a little church, consecrated to Christ, and wholly influenced and governed by his rules. And family education and order are some of the chief means of grace. If these fail, all other means are likely to prove in effectual. If these are duly maintained, all the means of grace will be likely to prosper and be successful. Let me now therefore, once more, before I finally cease to speak to this congregation, repeat, and earnestly press the counsel which I have often urged on the heads of families, while I was their pastor, to great painfulness in teaching, warning, and directing their children; bringing them up in the training and admonition of the Lord; beginning early, where there is yet opportunity, and maintaining constant diligence in labors of this kind.
Remember that, as you would not have all your instructions and counsels ineffectual, there must be government as well as instructions, which must be maintained with an even hand, and steady resolution, as a guard to the religion and morals of your family, and the support of its good order. Take heed that it not be with any of you as it was with Eli of old, who reproved his children, but restrained them not; and that, by this means, you do not bring the like curse on your families as he did on his.
AW Pink – Disregarding Duty
On the other hand, we may observe what fearful threatenings are pronounced against those who disregard this duty. We wonder how many of our readers have seriously pondered those awe-inspiring words Pour out Thy fury upon the heathen that know Thee not, and upon the families that call not on Thy name (Jer. 10:25)! How unspeakably solemn to find that prayerless families are here coupled with the heathen that know not the Lord. Yet need that surprise us? Why there are many heathen families who unite together in worshiping their false gods. And do not they put thousands of professing Christians to shame? Observe too that Jer. 10:25 recorded a fearful imprecation upon both classes alike: Pour out Thy fury upon How loudly should these words speak to us. It is not enough that we pray as private individuals in our dosets; we are required to honor God in our families as well. At least twice each day—in the morning and in the evening—the whole household should be gathered together to bow before the Lord—parents and children, master and servant — to confess their sins, to give thanks for Gods mercies, to seek His help and blessing. Nothing must be allowed to interfere with this duty: all other domestic arrangements are to bend to it. The head of the house is the one to lead the devotions. but if he be absent, or seriously ill, or an unbeliever, then the wife should take his place. Under no circumstances should family worship be omitted. If we would enjoy the blessing of God upon our family then let its members gather together daily for praise and prayer. Them that honour Me I will honour is His promise.

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Mini Golf on the Roof of a House

  • Oct. 6th, 2008 at 8:03 PM
baseball field, baseball express, baseball hat, basketball hoop, basketball game
I am excited to be able to win on one of the most challenging golf courses in Georgia against some of the best Adult-Men Amateur players on the Georgia Golf Tour, Randall said. I have been working on some swing mechanics for further improvements so this win on the Tour in the Final Tournament of the season is really special.
The field included approximately 50 of some of the best Adult-Men Amateur Tour Players in Georgia. She now joins an Elite list of amateur level golfers that has also Qualified to play at the National Level on the Golf Channel Tour.
Zakiya, known by fans as , has become a media darling. She has been in Sports Illustrated, EBONY Magazine, on Tavis Smiley Radio Show, The Golf Channel TV Show, Nominated as a Finalist for outstanding talents and have been featured in numerous magazines, newspapers and on-line journals around the world.
Randall took up Golf at the age of 10 and after winning a series of Tennis tournaments she was immediately successful in Golf, winning Player of the Year Honors.

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baseball field, baseball express, baseball hat, basketball hoop, basketball game
Gotham City Superheroes is a collection of miniature skyscrapers. You probably have to wait your turn to get in the game, so bring a crew and some lunch so you can chillax on the green while watching Burning Man-style performances courtesy of Black Rock Arts Foundation. The course remains open through Sunday, October 12. (via Flavorpill)

More info here at the Figment website.

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Typo Fix - Mini Golf

  • Oct. 2nd, 2008 at 5:50 PM
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register before you can post: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. If you are already a registered INTERCOT user, then please log in with your existing user name and password. PLEASE NOTE - If you previously logged in with a separate Login ID on the old discussion boards, your Login ID is now your USER NAME. There are no longer separate Login ID's and User ID's.

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Mini Golf Master - 5.00 USD

  • Oct. 2nd, 2008 at 2:03 PM
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register before you can post: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. If you are already a registered INTERCOT user, then please log in with your existing user name and password. PLEASE NOTE - If you previously logged in with a separate Login ID on the old discussion boards, your Login ID is now your USER NAME. There are no longer separate Login ID's and User ID's.

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Handy Mini Golf: 99 Holes 1.0.1 Eng

  • Oct. 1st, 2008 at 4:13 PM
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New Roxio Creator 2009 Ultimate provides the most complete set of tools for creating and preserving personal video, audio, and photos at an unbeatable value.
New Roxio Creator 2009 Ultimate provides the most complete set of tools for creating and preserving personal video, audio, and photos at an unbeatable value. Easily work with discs, photos, video, and music. Blu-ray Disc authoring and new AVCHD video editing are also included, as well as powerful audio tools. New Roxio Creator 2009 Ultimate provides the most complete set of tools for creating and preserving personal video, audio, and photos at an unbeatable value. An all new design provides streamlined access to tips, tutorials, and tools. Easily work with discs, photos, video, and music. Advanced Blu-ray Disc authoring and new AVCHD video editing are also included. Creator 2009 Ultimate includes powerful audio tools like audiobook conversion for portable devices, audio mood mapping, and professional quality audio restoration. The time is now--make the most of your digital audio, photos, and videos with Roxio Creator 2009 Ultimate.

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Crank Mini Golf on Nintendo Wii Goes Gold

  • Sep. 30th, 2008 at 6:16 PM
baseball field, baseball express, baseball hat, basketball hoop, basketball game
Guest Passes let you share your photos that aren't public.

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One of the greatest benefits of this job is that I have access to an army of IMLPs, ready, willing and able to go above and beyond their day-to-day jobs to give back to the program.  So Ill admit, I turn to them often for  anything from the mundane (e.g. I need a handful of IMLPs to help me wire up the classrooms for bootcamp) to the technical (e.g. I need help architecting the ideal wireless solution in Shangai) to the strategic (e.g. how can we organize our program better across Europe?).  As always, when I go to the IMLPs, this time they did not fail to amaze me.  I teed it up as an imagination contest, asking IMLPs to bring me creative ideas on how to improve our recruiting efforts.  Instead of the 20-30 responses I was expecting, I heard from over 100 IMLPs with volumes of suggestions!  The number one revelation from all the feedback was that we dont do a great job telling candidates what the job is really like.
One IMLP cross-business team and a few brainstorming sessions later, and three new ideas were born - one of them being this blog itself!  In the spirit of expressing a day-in-the-life of an IMLP, we created this blog, the GE IMLP Recruiting Facebook page at www.geimlpfacebook.com and we devised a plan to overhaul our main website where candidates apply for IMLP and internships at www.gecareers.com/imlp (in progress).  The IMLPs not only gave me the ideas, they also researched various technical solutions, provided a business case and recommendation for the best options, found the resources and created the process for delivering content and implemented the solutions.
This experience of leveraging the IMLPs across the program always reminds me of three key lessons:  1.) a team of IMLPs can deliver just about anything;  2.)  the future of IT leadership at GE is bright, and 3.)  running IMLP has got to be one of the most rewarding jobs in this company.

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My Mini Golf

  • Sep. 29th, 2008 at 8:45 AM
baseball field, baseball express, baseball hat, basketball hoop, basketball game
not the dead ones i keep finding in the driveway (another one this morning)... no, no, tonight is the season finale of the revamped abc reality program the mole. recall that i was a huge fan of the original incarnation of the mole, which featured my true love anderson cooper as the host. then after a poor showing for season two, interrupted by the events of late 2001 plus stuck in a really sucky timeslot on friday, the mole died a slow death with two more seasons of "celebrity" mole with amahad rashad as the host. blech.

i am happy to state that mole 3.0 has been almost as good as the original and new host jon kelley is a very worthy replacement for cooper, lending a similar suave yet kindof goofy appeal to the hijinx. it took a little bit of time to get used to the contestants, several were just downright annoying, but they have also by and large been good players. the missions have also combined the challenging (last week's diffuse the bomb puzzle, the goofy (pigs in a blanket) and the absurd (the one where they *should've* put on stupid costumes and trudged a couple miles, but noooooo..... or the one where they had to go through a town in their undies and ask the locals, who of course only speak spanish, if they could have the clothes off of their backs; no clothes, no dinner).

now at the finale, the final three contestants are mark, who i can't figure out how he made it this far except by sheer good luck; craig, who i immediately suspected to be the mole after my original choice got the boot; and nicole who everyone suspected right through the game because of her behavior. i was absolutely certain about craig until last week. now i'm back to any of them could be the mole. whether she's the mole or not, nicole has played an awesome game, doing a great job of making you believe and then utterly doubt in the span of minutes. nicole i picked to go all the way from the beginning; the other two seem more like long shots, particularly mark. but then again, has he been strategically playing the dumb guy? quite possible. last week he had the opportunity to put $75k in the pot or look at the mole's dossier; he chose the latter. now certainly a bumbling contestant who wants the best shot at winning more than $400k would want the dossier over the extra money, but the mole would want that as well. mark also pitched a major hissy fit when the contestants' journals were burned (that's the only thing they are allowed to keep notes in) which seemed a bit over the top. and craig, because of a "medical incident" that kept him away from the journal burning, got to keep his journal, which seemed kindof unfair.... also craig, who is a large dude, just kindof "suggested" that they go find some clothes at a laundromat when they were running around in their undies, and they just happen to pick the one where their own clothes had been taken. hmm, mole activity? but all of the groups in that game were actually given a clue that could've brought any of them there. so who knows.

anywho, i can't wait to see who the mole actually is, how she or he screwed up the game deliberately or were otherwise deceptive and what the clues to the mole's identity were hidden in the show that i totally missed (might've helped had i read the contestants' dossiers). of course i was going on what i thought was a clue for my original mole pick but that didn't work out so well obviously.

it's been great fun watching this season of the mole, filmed in south america this time, and i hope they pick it up again for another run. more to the point though, i hope i can stay awake; it isn't on until 10pm and i'm already half asleep.

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My Mini Golf

  • Sep. 29th, 2008 at 8:15 AM
baseball field, baseball express, baseball hat, basketball hoop, basketball game
not the dead ones i keep finding in the driveway (another one this morning)... no, no, tonight is the season finale of the revamped abc reality program the mole. recall that i was a huge fan of the original incarnation of the mole, which featured my true love anderson cooper as the host. then after a poor showing for season two, interrupted by the events of late 2001 plus stuck in a really sucky timeslot on friday, the mole died a slow death with two more seasons of "celebrity" mole with amahad rashad as the host. blech.

i am happy to state that mole 3.0 has been almost as good as the original and new host jon kelley is a very worthy replacement for cooper, lending a similar suave yet kindof goofy appeal to the hijinx. it took a little bit of time to get used to the contestants, several were just downright annoying, but they have also by and large been good players. the missions have also combined the challenging (last week's diffuse the bomb puzzle, the goofy (pigs in a blanket) and the absurd (the one where they *should've* put on stupid costumes and trudged a couple miles, but noooooo..... or the one where they had to go through a town in their undies and ask the locals, who of course only speak spanish, if they could have the clothes off of their backs; no clothes, no dinner).

now at the finale, the final three contestants are mark, who i can't figure out how he made it this far except by sheer good luck; craig, who i immediately suspected to be the mole after my original choice got the boot; and nicole who everyone suspected right through the game because of her behavior. i was absolutely certain about craig until last week. now i'm back to any of them could be the mole. whether she's the mole or not, nicole has played an awesome game, doing a great job of making you believe and then utterly doubt in the span of minutes. nicole i picked to go all the way from the beginning; the other two seem more like long shots, particularly mark. but then again, has he been strategically playing the dumb guy? quite possible. last week he had the opportunity to put $75k in the pot or look at the mole's dossier; he chose the latter. now certainly a bumbling contestant who wants the best shot at winning more than $400k would want the dossier over the extra money, but the mole would want that as well. mark also pitched a major hissy fit when the contestants' journals were burned (that's the only thing they are allowed to keep notes in) which seemed a bit over the top. and craig, because of a "medical incident" that kept him away from the journal burning, got to keep his journal, which seemed kindof unfair.... also craig, who is a large dude, just kindof "suggested" that they go find some clothes at a laundromat when they were running around in their undies, and they just happen to pick the one where their own clothes had been taken. hmm, mole activity? but all of the groups in that game were actually given a clue that could've brought any of them there. so who knows.

anywho, i can't wait to see who the mole actually is, how she or he screwed up the game deliberately or were otherwise deceptive and what the clues to the mole's identity were hidden in the show that i totally missed (might've helped had i read the contestants' dossiers). of course i was going on what i thought was a clue for my original mole pick but that didn't work out so well obviously.

it's been great fun watching this season of the mole, filmed in south america this time, and i hope they pick it up again for another run. more to the point though, i hope i can stay awake; it isn't on until 10pm and i'm already half asleep.

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Broken Mini Golf on Nintendo Wii goes gold

  • Sep. 28th, 2008 at 8:30 AM
baseball field, baseball express, baseball hat, basketball hoop, basketball game
1998-2008 HonestGamers
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The Multi-Tiered Pro Gaming Table perhaps is one unique computer table that hardcore gamers would die to have. Why, the desk could accommodate numerous computer peripherals like the standard keyboard, joystick, throttle, and yoke. It comes in three levels that could house three LCD monitors measuring up to 21 inch, printer, keyboard, mouse, plus the gaming peripherals.

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Office Mini-Golf for United Progression

  • Sep. 27th, 2008 at 5:33 AM
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Again with the sunset...this past weekend Jenn and I took a little trip away down to Ocean City. While down there we of course took part in our usual rituals, mini-golf, beach time, boardwalk, and catching a sunset.
I took this picture from a pier in the trailer park that leads out the bay. I took the picture with the Dare cell phone (in fact, its the only device I used to take pictures over the weekend). They turned out well enough, certainly good enough to post here. Enjoy.

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Perfect Mini Golf Shot

  • Sep. 27th, 2008 at 1:58 AM
baseball field, baseball express, baseball hat, basketball hoop, basketball game
One of the greatest benefits of this job is that I have access to an army of IMLPs, ready, willing and able to go above and beyond their day-to-day jobs to give back to the program.  So Ill admit, I turn to them often for  anything from the mundane (e.g. I need a handful of IMLPs to help me wire up the classrooms for bootcamp) to the technical (e.g. I need help architecting the ideal wireless solution in Shangai) to the strategic (e.g. how can we organize our program better across Europe?).  As always, when I go to the IMLPs, this time they did not fail to amaze me.  I teed it up as an imagination contest, asking IMLPs to bring me creative ideas on how to improve our recruiting efforts.  Instead of the 20-30 responses I was expecting, I heard from over 100 IMLPs with volumes of suggestions!  The number one revelation from all the feedback was that we dont do a great job telling candidates what the job is really like.
One IMLP cross-business team and a few brainstorming sessions later, and three new ideas were born - one of them being this blog itself!  In the spirit of expressing a day-in-the-life of an IMLP, we created this blog, the GE IMLP Recruiting Facebook page at www.geimlpfacebook.com and we devised a plan to overhaul our main website where candidates apply for IMLP and internships at www.gecareers.com/imlp (in progress).  The IMLPs not only gave me the ideas, they also researched various technical solutions, provided a business case and recommendation for the best options, found the resources and created the process for delivering content and implemented the solutions.
This experience of leveraging the IMLPs across the program always reminds me of three key lessons:  1.) a team of IMLPs can deliver just about anything;  2.)  the future of IT leadership at GE is bright, and 3.)  running IMLP has got to be one of the most rewarding jobs in this company.

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Out of order Mini Golf Nintendo Wii Gone Gold

  • Sep. 26th, 2008 at 11:04 PM
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. I dont know about other Loan Officers, but I do not have any Stated Loan Programs for credit scores in the low 700s.
When I got the call I did what I always do, I asked a lot of questions. I particularly ask if they know what their credit is before I run it, and what their income is. From the initial response that I got it was clear that I could not qualify them on just her income for the amount they wanted to be qualified for. So I suggested that we first look at both their credit, because sometimes we can fix someones credit very quickly. When I looked at the Credit Report, it was obvious that it would take a few months to correct his scores, and they wanted to purchase a Condo right away.
It was clear to me why the other Loan Officer was trying to do a Stated Loan on her only. She is a Waitress, and even though she receives a base hourly rate, a large part of her income is from tips, and she does not claim all the money that she receives in tips (a way of not paying taxes, but not good for mortgages). I asked her if she had any documents from the other Loan Officer, she said she did and would e-mail them to me.
I quickly looked at the documents as soon as I received them, and I did not like what I was seeing. Right off the bat the interest rate was one point higher than my rate, and the Closing Costs were $1,000 higher. The other Loan Officer also grossly understated the taxes and condo fees for that area. It became even clearer what was happening when I looked at the income that he was stating. He was stating both her income and his, even though she was the only one on the loan.
I called her back and went over with her what I was seeing, and then told her to read the disclosures that she had received VERY carefully. The disclosures stated that she was giving them permission to verify the income, by giving them permission to request her tax returns. It went on to say that tax returns might be pulled at time of application or by Quality Control after the loan closes. It also warned her in several place about providing false information.
This Loan Officer was encouraging them to sign documents that obviously contained false information. That is not only FRAUD on the part of the person signing the documents, but also FRAUD on the part of the Loan Officer encouraging them to sign documents that he knew contained false information.
I showed the Realtor the documents that they had received from the other Loan Officer, but he was already aware of them, because she had also forward them to him. He told me that he was not going to have anything to do with this, should this young couple decide to go forward with this Internet Lender.
He and I have advised them of the consequences if they go forward with this, as well as the games that will probably be played with them along the way. Should they do this, they will be doing it with full knowledge that this is Mortgage Fraud. I am also going to encourage them to report this Lender to the Banking Commission, should they decide not to go further with them.
So be careful out there, even though things have slowed down a little bit, and Lending Guidelines have tightened, the unscrupulous are still around, and spinning their web of corruption.

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