公开(公告)号：US20080027845A1

公开(公告)日：2008-01-31

申请号：US11870519

申请日：2007-10-11

申请人： Geoffery Dreyer ,  Mark Oman ,  Robert Caruso ,  Steven Bulmer ,  Eric Malchodi ,  Michael DeVito ,  Nancy Brennan ,  Michael Heid ,  Timothy O'Brien

发明人： Geoffery Dreyer ,  Mark Oman ,  Robert Caruso ,  Steven Bulmer ,  Eric Malchodi ,  Michael DeVito ,  Nancy Brennan ,  Michael Heid ,  Timothy O'Brien

IPC分类号： G06Q40/00 ,  G06Q90/00

CPC分类号： G06Q40/08 ,  G06Q40/00 ,  G06Q40/025

摘要： A method of refinancing a mortgage loan is provided. The method of refinancing a mortgage loan comprises pre-approving a customer for refinancing of a mortgage loan. This customer is sent a pre-screened offer. The offer comprises materials setting forth the terms of the refinanced mortgage loan, materials providing all required pre-acceptance disclosures, and instructions describing how the customer may accept the offer. Upon receiving an indication of acceptance of the offer from the customer, a closing package is sent to the customer to be executed by the customer. The execution of the closing package by the customer creates a refinancing loan agreement. Also provided is a closing package for a mortgage loan comprising closing documents and a format and instructions providing specific guidance to the customer for completion and execution of the closing documents.

摘要翻译： 提供了贷款抵押贷款的方法。 贷款抵押贷款的方法包括预先批准客户再融资抵押贷款。 这个客户被发送了一个预先筛选的报价。 该提议包括提供贷款抵押贷款条款的材料，提供所有必要的预接受披露的材料以及描述客户如何接受要约的说明。 在收到客户接受要约的指示后，向客户发送关闭包以由客户执行。 客户关闭包的执行创建了再融资贷款协议。 还提供了一种用于抵押贷款的结算包，其中包括关闭文件以及为客户完成和执行关闭文件提供具体指导的格式和指令。

公开(公告)号：US20100108706A1

公开(公告)日：2010-05-06

申请号：US12265613

申请日：2008-11-05

申请人： Mark Oman

发明人： Mark Oman

IPC分类号： A47K10/24

CPC分类号： A47K10/3818

摘要： A closure mechanism for a wipe dispenser including a generally circular body having a plurality of tabs located on an exterior diameter of the body and configured to be removably coupled to a wipe dispenser. The body also has at least one opening located on an interior portion of the body. The at least one opening is configured to receive a wipe. A lid is hingedly coupled to the body. Wherein the closure mechanism is configured to be easily removed from the wipe dispenser to provide access to the wipe.

摘要翻译： 一种用于擦拭分配器的闭合机构，包括大致圆形的主体，其具有位于主体的外部直径上的多个突片，并且被配置为可移除地联接到擦拭分配器。 身体还具有位于身体内部的至少一个开口。 所述至少一个开口被配置为接收擦拭物。 盖子铰接地连接到主体。 其中闭合机构构造成容易地从擦拭分配器移除以提供对擦拭物的接近。