yourfanat wrote: I am using another tool for Oracle developers - dbForge Studio for Oracle. This IDE has lots of usefull features, among them: oracle designer, code competion and formatter, query builder, debugger, profiler, erxport/import, reports and many others. The latest version supports Oracle 12C. More information here.
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In many cases, the end of the year gives you time to step back and take stock of the last 12 months. This is when many of us take a hard look at what worked and what did not, complete performance reviews, and formulate plans for the coming year. For me, it is all of those things plus a time when I u...
Why Did My Mortgage Application Get Rejected?! |

LOS ANGELES, Feb. 19, 2013 /PRNewswire-iReach/ -- If this is a question you've shrieked recently, you're not alone. As the real estate experts on have pointed out time and time again, mortgage standards have tightened up dramatically since the housing bubble burst. In fact, these days, it's estimated that a whopping 30% of mortgage applications get rejected! on mortgages: More Americans Paying Their Mortgages on Time

However, getting a big, fat "no" from a lender doesn't necessarily mean that your dreams of homeownership have to come to a screeching halt. But before you can move forward, you have to figure out what went wrong. By law, your lender has to tell you why they deemed you to be a less-than-stellar homeowner. Specifically, they have to give you a letter that spells out a reason for your rejection. So, what are some of the reasons in those letters?

Home buying tips from Top Mistakes Home Buyers Make

-  Your loan-to-value ratio
This is just a fancy way of saying that the home you want to buy was appraised at a value that was less than the amount of the mortgage you applied for. While this may sound like a huge problem at first, it's actually a relatively-easy problem to fix.

As the  mortgage experts at recently explained, low (and downright inaccurate) appraisals have become more and more common over the past few months. So, getting your problem solved can be as easy as getting a new appraisal. real estate tips: Reasons to Love Title Insurance

But how exactly do you do that?
If your current lender won't agree to a do-over, simply look for a new one. After all, each mortgage application is going to come with its own separate appraisal. The appraisal from your next lender may be much more accurate! real estate investing analysis: How Will a Blizzard Affect the Housing Market?

-  Your credit score
The last thing lenders want is a repeat of the subprime mortgage crisis – or, in other words, they don't want to give out loans to people who won't be able to pay them back. So, if your credit score could use some work, expect your mortgage application to get rejected.
While this isn't quite as easy to fix as the appraisal issue, it's not insurmountable. Simply take a few months to get your credit back on track. Then, you can reapply!

Home owning tips from Judicial vs. Non-Judicial Foreclosures – How Do They Affect You?

-  You're not sure why
Despite doing some digging, you can't find anything wrong on your end, huh? It could be that your lender is just really picky about who they give mortgages to. If that's what happened to you, you might want to try applying for a mortgage at a smaller bank. For example, community banks don't tend to have as much red tape as the "big guys" do, so you may have more luck at one of them.

Media Contact: James Paffrath,, 1-(866) 960-8649,

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