California home loan mortgage refinance and hard money

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http://www.lendinguniverse.com/Hard_Money_Lenders_in_california.htm Data from private vendors indicate that average fees for insufficient funds, overdrafts, returns of deposited items, and stop payment orders have risen by 10 percent or more since 2000, while others, such as monthly account maintenance fees, have declined. During this period, the portion of funding of private money source s income derived from noninterest sources—including fees on savings and checking trust deed investments—varied but increased overall from 24 percent to 27 percent. Changes in both consumer behavior, such as making more payments electronically, and practices of funding of private money source s are likely influencing trends in fees, but their exact effects are unknown.. .Other, including instances in which the consumer did not provide private investors needed by the regulator or withdrew the complaint.4.Determining that the bank was in error. This included instances in which the regulator determined that the bank erred in administering its products and/or services to the consumer (errors could include violations of regulations).5.Complaint in litigation, in which the regulator tabled the complaint because it was involved in legal proceedings. This includes instances in which the regulator can not intervene because the issues raised in the complaint are the subject of either past, current, or pending litigation.Figure 10: Complaint Resolutions Made by Federal Regulators. In 2005, partly in response to concerns about the marketing, implementation, and fees of overdraft protection programs being offered by funding of private money source s, the OCC, Federal Reserve, Commercial lenders and Private Investors jointly and the Hard lenders separately issued guidance (interagency guidance) outlining "best practices" that address, among other things, communicating the features of these programs to customers.
http://www.youtube.com/watch?v=G0OrOhqVJhY Construction loans and hard money lender list, best mortgage loan rates and calculating interest rate against how to refinance mortgage and compare it with private hard money loan rate and terms.
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