Investments

NOTE: THIS ARTICLE WAS WRITTEN AND POSTED BY DESIREE ROMAN, NOT WEBMASTER.

Bank Of America Investment Since the deregulation of the mortgage industry in 1999, homeowners all across the nation are enjoying the benefits of competitive interest rates, lower closing costs and convenient signing options, such as closings conducted right in the borrower's own home. Unfortunately, deregulation has brought other concerns, such as identity theft and mortgage fraud. To protect yourself against fraud, consumers need to seek out services which help educate and protect.

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Investment Opportunity Mortgage fraud has become so rampant, a Web site was created by the MBA (Mortgage Bankers Association) where fraud could be reported by state. Each financial transaction requires the notarization of key loan documents at closing. It is essential to have a commissioned notary who should not only be able to properly verify identity, but should be educated in the processes and procedures that should take place during a critical real estate transaction.

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Banc Of America Investment Both the escalation of mortgage fraud and identity theft significantly impacts the need for using certified notaries. According to the FBI Financial Crimes Report, the true level of mortgage fraud is largely unknown since the industry itself does not provide estimates on total fraud. Based on various industry reports and FBI analysis, mortgage fraud is pervasive and growing (www.fbi.gov). On the identity theft front, this same report indicates that in 2003, 4.6 percent of U.S. consumers experienced losses totaling $5 billion, and businesses experienced losses totaling $47.6 billion.

By keeping an eye on your statements and regularly monitoring your credit, you will be taking measures to protect your credit against the extensive damage of Identity Theft.

Banking Investment Homeowners need to take precautions to either prevent or minimize their chances of becoming a victim of fraud. First and foremost, the name on the loan application should match the name on the borrower's primary form of identification. Homeowners should work only with a notary who can communicate directly with them in their own language. Ask for a bilingual notary if the language spoken is other than English, and insist on using a professional notary who has been certified by the National Notary Association. The risk of fraud increases when relying on an untrained notary.

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Investment Solution Strategic To help in the fight against mortgage fraud and identity theft, Roman Innovations, Inc. offers tips on ways to help protect yourself and help limit the damage in case this does happen to you. It can be a painstaking process to undue the damage caused when someone has mislead a homeowner or stolen someone's information. People need to be as proactive as possible.

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Investment Banking Services For tips that may help in identity theft/mortgage fraud prevention and damage control, visit www.notarychicago.com

Bank Investment At Roman Innovations, Inc., Desireé is the President of the rapidly growing Illinois Corporation. Currently, she oversees all management aspects of 4 distinct operations: Mobile Notary and Loan Signing Services, Legal Assistant Services, Incense 'N Things.com and the newest company venture, MisQuince.net. Her responsibilities include: supervision of company staff and execution of the day-to-day operations of running a full-time small business, initiation of contracts and new clients, financial budget trackers, accounts receivables, and management of the internet e-commerce Web sites. She also adds her organization and discipline, quick-study ability and writing skills to a new book to be published soon.

Alternative Investment Desireé began Roman Innovations, Inc. in 2001, becoming an official legal corporation in October, 2002. With over 18 years of previous administrative experience and a strong background in finance and accounting, Desireé has embarked on the entrepreneurial role of running her own corporation.

Online Investment Services Previously, Desireé worked five years at Edelman Public Relations, where she began as an administrative assistant. Her strong background in finance and accounting was instrumental in training staff as well as setting up efficient processes for financial and administrative procedures and other systems to improve profitability, communications and efficiency within the agency, prompting her promotion to business and administrative manager. She was the account manager on the National Dairy Council accounts, overseeing the financial management of 12 programs, managing budgets that collectively amounted to over $6 million annually. In a dual role, she also serviced the national Butter account, helping with the day-to-day execution of PR program elements, including drafting/editing of media material, ongoing media monitoring and internet research.

Accompany Essential Investment Desireé also spent two years at PPM America, Inc, an insurance and investment finance company, and 10 years at Jane Addams Hull House Association, a Chicago-based, non-profit social service agency. Continuing her education at Northwestern University, Desireé has also received educational accolades and the highest of marks in various communications classes, all while working long hours and raising three teenagers.

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