I'm an honor student in my bachelor's degree at Liberty University (class of '16) and former honor student at Lone Star College. I have been accepted to Texas A&M to complete my master's degree in Business Analytics and Marketing, beginning in the fall of 2016.
I am a freelance novelist, poet, and non-fiction writer. Upon request, I will send to prospective clients and students a sample piece of my work: a business ethics research paper written in my junior year of my undergraduate degree. It is complete with annotated references and APA formatting.
I hold degrees in Accounting (A.S.), and Business Administration and Marketing (B.S.). My greatest strength, however, lies in my pen. I love to write; but even more, I love to teach others to write--and to write well!
I teach writing, and I also write on a freelance basis. My expertise is in business/finance/accounting, and subjects of that nature, although I have written on everything from politics to religion.
RESUME & Writing Sample:
Business Administration/Marketing graduate (May 2016). I am positive, hardworking, professional, energetic, and motivated. I have a strong background in sales and marketing, with additional experience in real estate, writing, and accounting. My academic goals for the future include obtaining my master’s degree from Texas A&M.
Goldstar Financial Group/Efast Funding, Residential Mortgage Loan Originator
~Originate cash out, refinance, purchase, construction, and government loans
~Advise and consult with potential clients regarding loan options and products
~Train new hires
~Inside and outside sales
~Assist with marketing and website design
~Wrote technical website content
~August 2013-March 2015~
Mega Mortgage of Texas, Loan Officer/Processor
~Process and close interim construction, permanent, cash out, purchase, refinance, and government loans
~Provide exceptional customer service
~Explain loan products and advise potential clients of their options
~Manage loan process from application to funding
~Experience with unusual loan products, including SPEC construction and renovation loans
~Designed marketing flyers and advertising
~Feburary 2012-August 2013~
Goodwill Industries of Houston
~Work with softlines and hardlines
~Help to manage the appearance and layout of the floor
~Recognized for providing exemplary customer service
~Assist in training of new employees
~Cross trained in all aspects of store function
Residential Mortgage Loan Originator, NMLS # 1147643
Liberty University Online, Bachelors of Science, Business Administration with an Emphasis in Marketing
~Recognized for academic excellence by the Delta Mu Delta Honor Society
~Complete classes at night and on the weekends (available 8-6 Mon-Fri)
~Expected to graduate Summa *** Laude in May of 2016
~ Three semesters of Accounting & Corporate Finance taken toward an A.S. in Accounting
~Achieved excellent grades in accounting and started an online study group/tutoring for accounting in Jr year of undergraduate degree
Champions School of Real Estate
~RMLO Prelicensing Course
MS Word, Access, PowerPoint, Excel, and Outlook
Social Media Marketing
Residential Mortgage Loans
What is APR?
Sarah E. Lash, RMLO
Congratulations on buying a new home! Having fun yet? Well, you would certainly like to be—but the home buying process is notoriously stressful. Not only are you dealing with issues like school districts, neighborhoods, prices and yard size—your head’s probably spinning at this point with terms like FHA, USDA, interest rates, bonds, points, jumbo, conventional, Fannie Mae, Freddie Mac, and a host of other things that might as well just be in Latin.
Oh, yes, and that bizarre acronym that nobody seems to know how to pin down—APR. Let’s take a quick tour into the world of mortgage acronyms and uncover some details about this elusive character.
Chances are, you took one look at your Federal Truth-In-Lending statement that your loan officer sent you and wondered how much more confusing one document could possibly be. A jumble of dates, times, numbers, costs, and percentages doesn’t help explain much. Probably the most puzzling piece of this document was the two different “interest rates” that you saw near the top. Your loan officer may have told you that you were getting a 3.875%. Well, why then are you seeing a 3.990% APR at the top of this page?
APR is entirely different from your interest rate. The letters stand for Annual Percentage Rate, and this rate is required to be disclosed alongside your interest rate. While your interest rate is part of your annual percentage rate, that’s only one piece of it.
At its simplest, APR is a cost of your credit expressed as a yearly rate. Let’s say you went to get a loan from a friend for $500. You’re going to borrow the money for a year, and then pay it back. Your friend tells you that she won’t charge you any interest. You’re so excited. Since she’s such a good friend, she’s going to give you the money interest-free—but, she adds—with a $50 up front charge.
That changes things. You thought at first that you were getting the money interest free. However, your friend just effectively made that $500 pretty expensive for you.
So while you have a 0% interest rate—you actually have a 10% APR ($50 divided by $500). That loan that your friend is giving you is costing you 10% of the loan amount per year that you have it, even though she is not charging you anything in interest. We are including in our calculation of APR all costs of the loan, not just any interest that she would charge you.
So what up-front charges are included in mortgage APR? There are a few things that would be included in that calculation. Among them are:
- Any loan origination fees charged
- Points charged for a specific interest rate
- Broker fees
- Mortgage Insurance (PMI)
- Doc Prep fees
- Flood Certification
Any fees that would be incurred whether or not the home was purchased with cash or with a loan would not generally be included in the calculation of APR.
Happy house hunting!
Until next time,