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Mines of Moria Leveling Guide



Mines of Moria is the latest expansion for the well-known MMORPG The Lord of the Rings Online. Announced on March 14, 2008 was finally released on November 18, 2008.

The storyline is set in Moria, the complex underground land of the dwarves, in north-western Middle-earth and it was extended by six more books. Two brand new classes were introduced (warden and rune-keeper) as well as a new weapon enhancement system. The character level cap was also increased by ten levels.

The fastest way to go through the ten new levels is to follow this step-by-step Mines of Moria leveling guide:

Eregion (Level 50-53)

Start by doing the quests at Gwingris, in northern Eregion. The next steps will take you to Echad Eregion, South of Gwingris then to Echad Dunann, to the East. After completing the quests at these locations, go to Echad Mirobel South-Western area of Eregion, then the storyline will take you to the Walls of Moria to defeat the guardian of the entrance to the mines, The Watcher.

The Great Delving (Level 53-54)

After finishing Volume II, Book I you may adventure inside the kingdom of the dwarves, to Durin’s Threshold and then, East, to Dolven-view.

Durin’s Way (Level 54-55)

Next, the Mines of Moria leveling guide will take you the Chamber of the Crossroads in Durin’s Way, the northern wing of the Mines of Moria.

The Silvertine Lodes (Level 55-56)

The Silvertine Lodes is an intermediate mine between The Great Delving and The Waterworks. The quests here are about all concentrated in the Deep Descent.

The Waterworks (Level 56)

The second part of your level 56 should take part inside The Waterworks, one of the deepest area of the Mines of Moria. The easiest way to get here is to jump in the pit at the Deep Descent in Silvertine Lodes. You can find most of the quests at the Rotting Cellar, in Waterworks.

Durin’s Way (Level 56-57)

The following quests will head you to Jazargund and outside to Zirakzigil, back to Durin’s Way the northern wing of the Mines of Moria.

Zelem-melek (Level 57-58)

The most important place of the mines is the Twenty-first Hall, in north-eastern Zelem-melek. There is an Auction Hall and Crafting Hall, you can also find all the trainers here as well as an important number of quests.

Redhorn Lodes (Level 58-59)

The Redhorn Lodes area is situated South-East from Zelem-melek. The Orc-watch is the most important node of quests here.

Flaming Deeps (Level 59-59)

One of the high level zones of the Mines of Moria, Flaming Deeps, is located South of Zelem-melek. Go to Anazarmekhem at the northern entrance to this zone and start questing there.

The Foundations of Stone (Level 59-59)

This is one of the areas inside the mines with an increased degree of difficulty. Although there are solo quests at the Shadowed Refuge, but it is best to do them with a friend.

Lothlorien (Level 59-60)

The area where your leveling should end is Lothlorien. All the quests here are at Mekhem-bizru.

This Mines of Moria leveling guide shows the best order to go throught the zones of Eregion, Moria and Lothlorien. Most of the quests can be done by solo players but you will have your share of group content quests.


Strategic Partnership Established with Pantera, IOSG, and Shima Capital – ViaBTC Capital Makes a Star Blockchain Investor



Strategic Partnership Established with Pantera, IOSG, and Shima Capital – ViaBTC Capital Makes a Star Blockchain Investor

Joined Forces to Explore the Promising Future

 In August 2021, ViaBTC Capital formed a strategic partnership with Pantera, IOSG, Shima Capital, and other institutions to fuel blockchain innovation.

With the vision of “making the world a better place through blockchain”, the strategic alliance focuses on blockchain infrastructure to accelerate the development of the cryptocurrency field. By leveraging strengths, the alliance scouts for innovative budding projects with great prospects and helps aspiring teams to succeed. Funds and resources are provided to developers with bravery and creativity. Together with these developers, the alliance can explore a new path that satisfies the growing demand of users, enhance technical strength, and facilitate commercialization.

ViaBTC Capital has already worked with several investment institutions to support many potential projects in the very early stage. These projects include Qredo (institutional-grade infrastructure), Lunarcrush (media data aggregator), and Nabox (multi-chain WEB 3.0 wallet). Currently, ViaBTC Capital focuses investment on Web 3.0, Layer2, and DApp applications that combine DeFi, NFT and DAO. Through close cooperation with ViaBTC’s blockchain ecosystem, these projects can better grow their business, which, in turn, can nourish ViaBTC’s ecosystem, making a win-win situation.

Focus on development and win-win results to create a leading blockchain investment institution

ViaBTC Capital is a wholly-owned investment brand established by ViaBTC Group, a blockchain technology enterprise with 5 years’ experience in the blockchain field. Relying on ViaBTC Group’s abundant industry resources, gathering pools technology, talents, projects and capital in related industries around the world, and cooperating closely with Pantera, IOSG, and Shima Capital, ViaBTC Capital is believed to realize its journey toward a world-class blockchain investment institution.

Having engaged in the blockchain industry since its establishment in 2016, ViaBTC Group has set foot in every sector of the blockchain industry. ViaBTC Group is second to none in terms of the crypto business layout – its business includes ViaBTC Pool, the second largest mining pool in the world by hashrates, CoinEx Exchange, ViaWallet, and CoinEx Smart Chain, covering every aspect of blockchain industry from cryptocurrency issuance, circulation and valuation to the underlying technology.

ViaBTC will not only provide financial support but also offer a post-investment service by utilizing its industry resources accumulated for years. (eg. technology support, community promotion.) Backed by the strong international community of ViaBTC Group, ViaBTC Capital can be very helpful in marketing. ViaBTC has a strong relationship with top global investors, the invested projects are exposed to top venture capitals by our recommendation. Those projects even have opportunities of being listed on CoinEx Exchange. Mentioned resources and advantages are derived from the persistence and accumulation of ViaBTC over the years, and will also serve the ecosystem development of the entire blockchain industry as ViaBTC Capital grows. These efforts have vividly mirrored the long-standing commitment of ViaBTC Group to the blockchain vision–‘Faith drives the realization of the blockchain’. We are looking forward to meeting more like-minded friends and promote blockchain technology to a wider area.

Work together for an underlying infrastructure of the blockchain world

ViaBTC Capital’s strategic alliance partners are all veteran investment institution brands in the cryptocurrency industry.

Pantera Capital, a hedge fund founded in 2003 by Dan Morehead in Menlo Park, California, USA, provides investors with the full spectrum of exposure to the space, ranging from illiquid venture capital assets (including early-stage tokens and multi-stage venture capital equity) to more liquid assets like bitcoin and other cryptocurrencies.

IOSG Ventures, founded in 2017, is a community-friendly and research-driven early-stage venture firm across China, the US and Singapore. It focuses on open finance, Web 3.0 and infrastructure for a decentralized economy. Its portfolio covers many projects, including Layer 1 (NEAR, Polkadot, Cosmos), DeFi (1inch, Synthetix, UMA), with investment experience in 12 vertical industries.

Shima Capital is an early-stage global venture firm focused on supporting cutting-edge blockchain start-ups as well as a native blockchain investor with traditional VC experience. Its global team is based in California and abroad, and boasts keen insights into blockchain projects across the globe.

From now on, ViaBTC Capital will join forces with the three top mature investment institutions to provide high-quality blockchain projects with all-around solutions covering financing, technology, and resources. We will vigorously invest in the industry’s emerging start-ups and make full use of advantages including funds, technology, and the channel matrix, ViaBTC Capital will establish an investment ecosystem of quality, create a new strategic engine for the brand, enhance China’s position in blockchain investment, and make itself an accelerator for the innovation and development of the cryptocurrency industry.


Image by Anemone123 from Pixabay


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Leading Social Platform Chingari Continues Exponential Growth, Taps into Solana’s Blockchain With $19M Funding Round



Panther and BUMPER Protocol announce partnership to provide seamless DeFi user experience

Bangalore, India, 11th October, 2021,

Chingari, one of India’s leading short-videos sharing platforms with over 78 Million downloads, successfully completed a funding round that raised over $19 Million for its token round across more than 30 venture funds and individual investors. Some of the biggest firms in crypto investment participated in the funding round, including Republic Crypto, Galaxy Digital, Alameda Research, Solana Capital, Valor Equity Partners, Kraken Ventures, Blackpine, NGC, Coinfund, LD Capital, 11-11 Ventures, AU21, Cultur3 Capital, Long Term Ventures, Afton Capital, CSP DAO, among others.

Since its redesign in June 2020, many new apps such as Chingari, Roposo and Trell worked to fill the vacuum created by TikTok’s ban in India. Ever since, the number of Chingari  users have increased exponentially, surpassing milestones of 100k, 1M, 10M and then 50M – all in just six months. Spurring its growth is the creator-centric model, attracting top talent and generating intriguing content for its nearly 80 Million users. The platform won the ‘App Innovation Challenge’ by the Government of India, was mentioned by name in a speech given by the Prime Minister, and has one of the best metrics for India social media for Engagement Time, Video Watched, DAUs, and MAUs (daily and monthly active users).

The venture firms participating were enthusiastic about the roadmap of Chingari, the app’s meteoric rise in popularity in 2021, as well as the $GARI token developments made to date. Investors were especially excited about how Chingari is creating a mainstream use case for crypto in India. The tokens are powered by Solana’s high performance blockchain — making for the first major web2 company integrating web3 into its product.   

Andrew Durgee, Managing Partner at Republic Capital, stated:  “At Republic, we believe social tokens are an essential piece of the crypto community and creator economy. Chingari shares this vision and has taken innovative steps to bring that vision to life. Their creators and users will now be able to more truly monetize their own engagements and experiences.”

Sumit Ghosh, CEO of Chingari, said in response to the successful funding round: “The future of a platform lies in its creators. On one side, we have an immense talent pool that needs to be explored, and rewarded with an ethical amount of monetization. On the other side, while Crypto experiences a rapid expansion in India, $GARI is poised to make it mainstream. We are infusing the two, through robust strategies and incorporation of the most-promising industry advances.”

He added, “The result of this infusion is Social Tokens as the future of community platforms for Creator Monetization. It is reaching new milestones as we speak.”

With the funds raised, key features will continue development for the Chingari platform. Near-term roadmap milestones include testing of the blockchain live, Chingari Integration beta, and the upcoming $GARI token sale. The token is a critical piece of the platform, enabling creators to set up their own ecommerce space that includes physical merchandise, their NFT creations, and the ability for fans to fund their favorite artists. Token owners will also help guide the future of the platform. This round of funding is an important and positive step towards realizing Chingari’s vision as a global leader in  blockchain-based Social Infotainment.

About Chingari:

Chingari is one of India’s leading short-videos sharing platforms with over 78 Million downloads. With 30 Million monthly active users, it offers users the option of downloading & uploading videos, chatting with friends, interacting with new people, sharing content, e-shopping, watching movies on Chingari Multiplex and browsing through the feed.

With Chingari, users enjoy:

  • Videos customized just for them
  • Hyper-realistic AR filters
  • Massive Song Library
  • Content in more than 20 languages

Chingari won the award for ‘The Most Popular Social Media App’ at the recently held ‘Times Business Awards 2021’. This prestigious honour has been a major motivation to shape Chingari’s onward journey to continue surprising users with the finest in entertainment, technology & innovation.

Chingari’s token $GARI, powers India’s only blockchain-based Social Infotainment platform.  With its launch, Chingari aims to revolutionize Creator Monetization in the market, while enabling creators to hone their skills.  



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6 Ways to Generate 100 Free Mortgage Leads in 20 Days




Could you use some free mortgage leads? If you’re new to the mortgage business or a veteran loan officer who is a little short on cash, you’ll be happy to know there are several ways to generate free mortgage leads.

That’s right. Even if you’re dead broke, you can still generate good, quality, pre-qualified mortgage leads at no cost. Just keep reading and I’ll share 6 powerful steps to generate free mortgage leads.

1) Create a powerful unique selling proposition (USP)

If you don’t currently have a unique selling proposition – Find one. What makes you different from all the other mortgage lenders out there? What makes you better? Why should a prospect use you over a competitor? Answer these questions and you will have your unique selling proposition.

This is an important first step because you will need a strong USP to generate free mortgage leads using the tips below.

2) Find joint venture partners

Offer a referral fee of $100 to $1000 for any referral resulting in a funded loan. Offer this opportunity to all friends, family, neighbors, anyone and everyone.

Can you call the past clients of a co-worker to generate referrals? If so, you could split the commissions generated from your efforts.

3) Give free seminars

Arrange to present your USP to others to produce referrals. Here are some ideas:

1) Contact the sales manager at real estate offices to present your USP at a realtor sales meeting

2) Contact human resource managers. Give a free seminar to employees of a company.

3) Present your USP to CPA’s or financial planners to create referral relationships.

4) Contact divorce attorneys and offer your services to their clients.

5) Contact relocation companies

Do you need some ideas for how to successfully approach these professional? If so, visit the following web page and download three sample approach letters:


4) Write Articles

Write articles about mortgage products, rates, no closing cost loans or no money down financing. Then submit your articles to article directories with your contact information at the end of the article. Here are the article directories I recommend:


Try to include the following elements in your articles:

1) Useful information – a must!

2) A text link to your site.

3) A lead generating offer relating to the subject mater in your article.

Provide a link to a web page on your site where the reader can get a complementary special report or something else of value.

If you submit just two articles a week to the sites listed above, after one year you would have 100 articles all over the internet. If you publish useful information, these 100 articles could easily generate hundreds if not thousands of free mortgage leads daily.

5) Start your direct mail campaign

Borrow money from a friend or family member and start a mail campaign. Use a credit card or borrow a credit card to get started.

If you borrow money or a credit card, offer that person a split of the commissions generated from the project.

6) Cross sell

Once you get a client using one of the 5 tips above, impress them with your extraordinary customer service skills and generate a testimonial. Use that testimonial to create a referral relationship with:

* HR manager at their work

* Listing real estate agent and that agents entire office

* Selling real estate agents and that agents entire office


* Financial planner

* Insurance agent

* The seller of the home on a purchase transaction

* Title Company

* Real estate appraiser

* Neighbors

There you have it. Use these 6 tips to help jump start your mortgage business.

For more helpful mortgage lead generation tips and advice visit the Mortgage Marketing Blog at:


Please feel free to reprint this article as long as the resource box is left intact and all links are hyperlinked.

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Picking the Right Mortgage Broker




About half the deals that I do are with mortgage broker that I recommend. The other half is a toss-up. Meaning I never know who I am going to get to work with. Yes, work with. A lot of buyers think that they will be the only ones working with their lenders, however as a real estate broker, I put in a lot of time with them as well. It’s my job to make sure that they have all the documents necessary for the sale, as well to make sure that our mortgage approval deadline is met.

The deadline that was created in the offer is of utmost importance to everyone involved. Sellers are already nervous, so to ask for an extension could potentially kill the deal. They are not obliged to extend. It’s up to me, if I am in that situation, to convince the sellers and their real estate broker that we are still on track to get the mortgage approval, even though we haven’t gotten it yet.

One of my jobs is to stay in collaboration with the listing broker. If I keep them in the loop every step of the way, they will be understanding of what is happening if I have to ask for an extension. Normally it’s in the best interest of the seller to continue with the offer rather than drop it for the next one. However if you got the accepted deal while in a multiple offer circumstance, the situation isn’t stable. The seller doesn’t want to lose time dealing with you when they might have another buyer who has been bugging them for a chance.

Time delays in an offer

When I receive an offer or create one for my buyers, we normally see 10-14 calendar days for financing for a residential property. Over the years, I have been finding that banks are taking much longer to approve the financing. They have stricter criteria and more red tape, which creates more delays. Many buyers may not have their files complete with their mortgage broker as well, which also creates time delays.

“I’ve experienced hundreds of interactions with mortgage brokers, and there have been instances that could have easily been avoided with the right questions from the start. On one deal I did, the mortgage broker was from Calgary. He didn’t know our laws, the time difference was an issue and he didn’t speak French. It was horrible for me and my clients.”

Questions to ask yourself about your mortgage broker

– Do they live in Montreal (know the Quebec laws and speaks French)?

– Will they be available or will they be on vacation or away?

– Will they take care of your case 100%, and not pass it on to an assistant or let the bank deal with it all? (Meaning will they represent you fully and take care of you completely)

– Are they available on weekends for emergencies?

– Do they work for one bank and their products, or are they independent and work with all banks?

– Which banks do they have personal relationships with. This helps to have pull if they need to ask a favour for a rush job.

– For expenses, make sure from the start that the bank evaluation is paid for by someone else besides yourself, preferably the bank. Some mortgage brokers have special deals with notaries or movers, helping you save money.

These questions are to help you chose the best person to work on your team. Yes team. When buying, your team consists of your mortgage broker, your real estate broker, a notary, insurance broker and your building inspector. For all of these professionals, you will either be using a recommended person or doing research to find the best deal. Deal = price + service.

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Can This Project Eliminate Wrapped Tokens from the DeFi Markets?




Wrapped tokens are being widely adopted because they enable crypto traders to leverage their assets on multiple blockchains or distributed ledger technology (DLT) platforms.

For instance, Wrapped Bitcoin (WBTC), which are BTC tokens that have been “wrapped” into another token format, may be used on the Ethereum blockchain to conduct transactions involving smart contracts.

But it might now be possible to completely eliminate these so-called Wrapped tokens from cryptocurrency trading. With this new approach, platform developers could significantly lower the time, effort, and costs associated with conducting DeFi-related transfers. By effectively removing the need to wrap tokens, transactions could become a lot more efficient, because the process of actually wrapping tokens is quite cumbersome, particularly for novice traders.

Native Cryptocurrency Tradable Without Wrapping Tokens

Portal’s cross-chain decentralized exchange with atomic swaps has been specifically created to remove the requirement of wrapping tokens. This is possible because the virtual currency of incompatible blockchains or DLT networks can be traded natively and without needing to interact or involve a risky third party.

Atomic swaps are basically automatic exchange contracts that enable different parties to trade tokens belonging to separate blockchain networks. Often called atomic cross-chain trading, this approach effectively eliminates the requirement for centralized services when performing cryptocurrency trades.

As noted by its developers, Portal is a self-hosted, Layer-2 digital wallet and cross-chain DEX that’s deployed on the Bitcoin blockchain. It supports atomic swaps between Bitcoin or BTC and other cryptocurrency tokens in a fast, secure, and private way.

In September 2021, Portal acquired $8.5 million through a fundraising round so that the project’s team can implement a self-sovereign and uncensorable DeFi solution that’s built on top of the Bitcoin network. Currently, the DeFi ecosystem is dominated by Ethereum, however, the Bitcoin blockchain is also quite large and has enormous network effects that can be leveraged by traders and investors in the DeFi space.

It’s worth noting that Portal’s investment round included participation from prominent investors like ArringtonXRP Capital, Coinbase Ventures, MarketAcross, OKEx, and

Michael Arrington, Founder at ArringtonXRP, has explained that decentralized cross-chain bridging remains one of the most difficult tasks in the blockchain industry, particularly as several different DLT networks begin to gain considerable adoption.

Arrington added that Portal’s Bitcoin-native approach to multichain transfers could potentially provide an alternative and viable bridging mechanism to the growing number of on-chain traders.

This should allow traders to conduct a wide range of crypto transactions that wasn’t possible before, due to incompatibility issues.

Brain Johnson from Republic Capital has noted that interoperability is an important attribute for blockchain or DLT platforms, which will allow them to transition into the wider financial services industry. He pointed out that Republic Capital has made a strategic investment in Portal since they are interested in their approach to supporting atomic swaps. By leveraging the Bitcoin network’s robust security and using it as an anchor, the Republic Capital team believes that Portal is in a suitable position to create a useful set of bridges to the DeFi ecosystem.

By developing these bridges, DeFi transactions should become more widely adopted, and could even encourage more institutional investors to gain exposure to this nascent space.

Leveraging Trust Minimization Guarantees of the BTC Blockchain

Portal plans to provide adequate speed and sufficient liquidity usually available on centralized trading platforms and intends to offer the “trust minimization guarantees of Bitcoin.”

From spot markets to options, peer-to-peer lending and borrowing, all utilizing on-chain, P2P contracts and without needing third-party custody requirements, Portal intends to assist users with leveraging BTC’s potential to start to really decentralize finance.

At the core of Portal is its Layer-2/Layer-3 technology, called Fabric, which is an open-source toolkit for creating censorship-resistant layers on top of Bitcoin’s base layer.

Fabric enables completely private, off-chain smart contract execution for digital asset issuance, peer-to-peer swaps, staking, liquidity, derivatives, and several other applications.

Eric Marindale, CEO at Portal, added that by providing a fast, peer-to-peer, Layer-2 exchange — with speed that’s usually only available on centralized exchanges but with a high level of privacy — Portal is in an ideal position to deliver on the promise of “self-sovereignty for everyone.”

Eric also mentioned that the majority of centralized exchanges are really not “decentralized” DEXs, as they claim. They are actually just custodially wrapped tokens and usually have censorable ecosystems that “all threaten Bitcoin’s promise of self-sovereignty.” Meanwhile, Fabric tech “enables Layer 3 privacy on cross-chain transactions and eliminates the need for centralized custodians,” Eric noted.

Ensuring that End-Users Maintain Control Over their Assets

Martindale stated that they believe that Bitcoin provides the financial infrastructure that the free, uncensorable internet-of-the-future will be developed on, and although they’re starting off with only a P2P exchange, their mission is to become “The Platform for decentralized, peer-to-peer human interactions… be it communications, financial transactions, or social media.”

The platform utilizes Bitcoin’s “hash time-locked contracts” to make sure that the users retain full control over the digital assets “offered up in trade, preventing counterparty risk and loss of funds.”

It also aims to reward anonymous, “self-interested” third-parties “to intermediate transactions between mutually untrusting peers while guaranteeing security.”

The platform has received funding ahead of Portal’s upcoming public token sale, which is scheduled to be conducted on during this month.

As noted by its development team, Portal is a DeFi service that’s built on Bitcoin. It aims to  make DeFi truly “unstoppable with anonymous, zero-knowledge swaps via the first true cross-chain DEX that’s genuinely trustless.”

It has been designed to “eliminate minting wrapped coins (ie wBTC, wETH) or risky staking with intermediaries.” With Portal, DeFi becomes a solution that “anyone can provide, maintaining anonymity within open, transparent markets with a security model as robust as Bitcoin mining.”

As explained by its creators, the Fabric protocol is Portal’s Layer-2/Layer-3 tech that “enables building censorship-resistant communications, media and one-click cross-chain swaps, all on Bitcoin.”


Image by Gerd Altmann from Pixabay
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Home Loan Brokers




Searching for home loan brokers can be daunting. The average consumer has no idea what questions to ask in regard to the purchase or financing of their dream home. Home loan brokers are equipped to inform and guide the consumer through the arduous home finance process. We have obtained the following steps as a resource for prospective homebuyers.

The mortgage finance industry has been challenged over the past couple of years to say the least. Those mortgage brokers who have managed to not only “stay alive” but thrive through the challenges are customer service driven individuals. Additionally, they provide road maps for their customers. In an interview with a successful loan officer we have been able to find a few steps (that they provide for their customers) that make them successful.

1. Find the amount that you can afford to borrow. The monthly payment on your first mortgage will be only part of your monthly housing expense. You’ll also have to pay property taxes, homeowners insurance, and repair and maintenance costs. Make a budget and stick to a mortgage payment that you can afford. New home calculator and mortgage payment calculators can help you estimate the payment and come up with a maximum loan amount for your mortgage.

2. Keep track of mortgage rates. A lower rate can mean big savings on any home loan. Talk with your loan officer about current rates. If you’re worried that rates might rise before your loan closes, ask the loan officer about an interest rate lock, which can ensure you’ll be able to get the rate you were quoted.

3. Choose a mortgage broker. A well-qualified home loan broker can teach you more about how to get your first mortgage and what types of mortgage products should fit your needs. The home loan broker that offers the lowest interest rate might not offer the most hand-holding or best service — two benefits you’ll probably want when getting a first mortgage.

4. Save for a down payment. You’ll need to make a down payment to get a first mortgage. If your down payment is less than 20 percent of the purchase price of the home, you’ll also need to pay for mortgage insurance, which protects the lender in case you default on your loan. Some loan programs, like FHA, allow you to use a gift from a family member or other source as part of your down payment.

5. Have all of your documents in order. When you’re ready to apply for a first mortgage, you’ll need to give the loan officer copies of your recent pay stubs, tax returns and bank statements. Having these documents prepared in advance will make the process easier.

Home loan brokers provide a map for the individual to follow. Additionally, home loan brokers act as a tour guide. The right tour guide will be willing to spend the time making sure that individuals fully understand their options.

The tips above were provided by Tanya James of Caltexfunding. For more information regarding home loan brokers, mortgage protection, new home calculators or mortgage payment calculator see the caltexfundingresource site and search Tanya James resource.

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Subprime Mortgage Lenders – Differences Between Subprime and Other Lenders




Subprime mortgage lenders specialize in offering financing to people with poor credit or riskier loans. Conventional lenders focus on low-risk loans and borrowers. While you will find better rates with conventional lenders, suprime companies offer more flexibility in requirements and loan terms.

Easier To Qualify For

Subprime mortgages are easier to qualify for than traditional loans. Since these lenders are willing to accept a higher level of risk, they offer a variety of packages. For example, someone with bad credit can still find a zero-down 30 year mortgage. You may also opt for a lower rate with an ARM or fixed-rate home loan.

For jumbo or unconventional loans, you may have to work with a subprime lender. Since these types of loans are harder to sell to the secondary market, some conventional lenders won’t handle them.

Higher Rates

For the increased level of risk, subprime lenders charge a higher rate, usually a couple points more than a conventional loan. You may also find more fees or points, especially if you want to waive early payment fees.

Conventional lenders offer the best rates and reasonable fees. However, there is a wide range in rates and fees between lenders.

No matter what type of financing you choose, request quotes from dozens of lenders. This protects you from scams and unscrupulous companies, while ensuring you get the best package. Finding a low rate is one of the easiest and biggest ways of saving yourself money.

No Worries Over PMI

Subprime lenders don’t require private mortgage insurance (PMI), unlike traditional lenders. PMI can add over a hundred dollars on your monthly payment.

It is required for conventional loans when the down payment is less than 20%. You can get around this requirement with conventional lenders by taking out two mortgages from separate companies. Another option is to put 20% down on your conventional loan, but take out a home equity loan after the deal closes to access your cash.

Just to make things more confusing, more and more conventional lenders are entering the subprime market. If you do need subprime financing, still request quotes from traditional lenders since you may still qualify.

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What Are Today’s Current Mortgage Rates – Is it Better to Get a 30 Year Or 15 Year Fixed Rate in TX




Today’s Mortgage Rates: (Texas)

30-Year Fixed Rate 6.375% 6.606%

20-Year Fixed Rate 6.375% 6.680%

15-Year Fixed Rate 5.875% 6.252%

5-Year ARM Rate 5.750% 5.740%

Texas Jumbo Home Loans – Amounts that exceed conforming loan limits $417,000. Remember a jumbo mortgage loan is a home loan that exceeds $417,000. Usually, if the client has good enough credit, I’d like to do an 80/20 or an 80/15 to keep the first lien under $417,000.

However today’s jumbo mortgage rates are:

40/30 Fixed-Rate Balloon 8.250% 8.404%

30-Year Fixed 7.750% 7.913%

15-Year Fixed 6.625% 6.875%

Remember, good economic news tends to make mortgage rates go up and bad economic news tends to make mortgage rates go down.

Current Mortgage Rates * Mortgage Home Loan Refinance * Austin Dallas Houston Lubbock * Refinance Rates

For example, right after 9-11-the economy took a major hit. And mortgage rates when down to the 4% range; sparking the refinance boom.

Lately, there have been several positive economic reports such as a .9% increase in the GDP. So guess what mortgage rates did-they went up? Good economic news, mortgage rate go up…

If you are thinking of buying or refinancing a home, this is a great time as mortgage rate might continue to go up. We also help people do home equity cash out refinancing on investment property.

If you would like to refinance an investment property or pull equity (cash out) out of your investment home please complete this mortgage application.

Or call us at 512-996-8194 and let’s discuss your goals. There’s never an obligation to speak to us and we’ll even send you a free copy of your credit report.

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Four Venture Capitalists Just Over-Subscribed Erthas’ Seed Funding Round In One Day




Erthas’ metaverse, built on Binance smart chain, has just concluded a seed funding round. The project has garnered interest from the venture capitals and ended with an oversubscribed seed round which was considered an excellent achievement for the projects’ fundamentals.

Ertha has collected funding from 4 venture capitalists. Investors backed the project seed funding round:

  • Mars4
  • Terranova
  • X21
  • Momentum 6

NFTs have been gaining a lot of attention over the current year and have attracted investments from both individuals and institutions.

A Little About Ertha

Ertha is a game that will encompass a real-world simulation where people will be getting jobs, creating states, building industries, waging wars, and much more. Check Erthas’ whitepaper to learn more about the concept and core mechanics of the game.

ERTHA is an economical, social MMO with a world consisting of 350,000 HEX land plots, which are for sale as an NFT. Owning a HEX plot means you will earn fees for every transaction in that plot as a landowner. Ertha promises to become a lucrative world for players interested in P2E games with interesting deep mechanics that would throw players in a metaverse that offers the same sophistication and complexity as the real world.

The game plans to offer players who invest their time into it, a method of generating constant revenue that will keep growing as they gain more experience and own more properties.
Ertha foundation invested 2 million USD into the game development so far.

Erthas’ Plans & The Upcoming Schedule

The seed round, which consists of 5% of the token supply ( 1 million tokens), will be followed by a private round of 20% of the total token supply. A public round will be issued later on, allowing everyone to participate. Please check the token sale schedule to learn more about the token sale, release schedule, and fund allocation.

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Solana Native Soldex AI – Renewing Hope for DEX & AI




Over the last year, many assets have been hitting the market; over 12,000 coins are currently being circulated on exchanges and swaps, to be exact. Technical issues have plagued this wave of assets since most of them are either ERC20 tokens or wrapped ERC20 tokens which rely on the ERC20 network regardless.


Soldex is a new exchange that utilizes Solana to overcome all the problems that DEX websites are currently facing, namely the poor performance that the ERC20 network is currently facing. Solana is more efficient, with a capacity to handle more than 50,000 transactions per second – often for less than $0.00001 per transaction – on the Solana network.


Decentralized exchanges have always been a second choice to centralized ones like Binance and FTX, namely for the liquidity of the assets, which causes slippage, and traders do not like slippage because it can simply ruin the entire trade. Soldex fixes this problem by incentivizing liquidity which most centralized exchanges do not even offer.

AI-Powered Algorithmic Trading

Algorithmic trading is a force to be reckoned with; it is something that every trader anticipates affecting the market. So far, we have seen trading bots working with centralized exchanges, whether it is a feature in the exchange itself or through 3rd party apps. Soldex is offering the first trading bots for a decentralized exchange which will pave the way for a new generation of algorithmic trading away from centralized exchanges and in the comfort of your private wallet.

We have recently heard of many apps that are being powered by GPT3 A.I., which is technically the most sophisticated A.I. in the market, learning and improving as it goes. These new A.I.-powered bots will surely evolve algorithmic trading into something much bigger and more sophisticated.

Soldex Features

  • Permissionless: Trade perpetual on any pairing. Our governance will ensure that the best trading pairs are available and that only the safest oracles are used.
  • Efficiently Incentivized Liquidity: Liquidity pool trading is predicated on having enough assets in each pool to facilitate instant trades. Soldex addresses this requirement by incentivizing users to deposit assets and provide liquidity.
  • Community Governance: Token holders can establish consensus by voting on governance proposals or introducing new proposals for a vote.
  • Ecosystem Foundation Layer: Attract assets and build incentives that can empower an ecosystem of financial products.
  • Real-Time Settlement & Light-Speed swaps: Faster and more efficient trading experience.

Soldex is currently in the midst of conducting a private sale, offering SOLX tokens to interested retail investors.

Join the private sale by contacting the sales team at [email protected] or find out more by visiting

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