Abstract: The web-based home-loan assessment system and mortgage brokerage service is for use in preparing a detailed financial statement of borrower's income and expenses that the lender uses in making an informed determination on whether or not to modify the borrower's mortgage agreement. The system comprises a website, a data input device, and a processor. The website is easily found on the Internet using common search engines. The website is specifically designed to streamline the information gathering process. The data input device can be a keypad, a pda, or a phone. The borrower submits answers online to the user-friendly questionnaire through the website about his current financial status and his mortgage agreement with the lender. Once the personal data has been submitted, a processor associated organizes the personal data into a request form for a loan modification.

Abstract: “The web-based home-loan modification assessment system prepares a detailed financial statement of borrower's income and expenses that the lender uses in determining whether or not to modify the borrower's mortgage agreement. The website is designed to streamline the information gathering process. The data input device can be a keypad, a pda, or a phone. The borrower answers questions about his current financial status. Once submitted, the personal data is organized into a request form for a loan modification. The processor determines the amount that the borrower is able to afford using either a front end debt-to-income ratio, or back end debt-to-income ratio. The net present value of the real property is then calculated. The request form is then submitted to the borrower for review and approval in real time. If the calculations support modifying the mortgage agreement, the information is submitted to the lender for consideration.

Abstract: The web-based home-loan modification assessment system is for use in preparing a detailed financial statement of borrower's income and expenses that the lender uses in making an informed determination on whether or not to modify the borrower's mortgage agreement. The system comprises a website, a data input device, and a processor. The website is easily found on the Internet using common search engines. The website is specifically designed to streamline the information gathering process. The data input device can be a keypad, a pda, or a phone. The borrower submits answers online to the user-friendly questionnaire through the website about his current financial status and his mortgage agreement with the lender. Once the personal data has been submitted, a processor associated organizes the personal data into a request form for a loan modification. The website processor determines the amount that the borrower is able to afford using either a front end debt-to-income ratio, or back end debt-to-income ratio.

Abstract: A device is disclosed for stripping a cup-shaped metal can blank from the end of a reciprocable ram of a can ironing press. The device includes a plurality of stripper members circumferentially spaced apart about an axis aligned with the ram axis. Each of the stripper members is supported for pivotal movement about a corresponding axis transverse to the ram axis and is individually captured against axial, circumferential and radial displacement relative to the ram axis. Each stripper member includes a nose portion adapted to engage behind a can blank on the ram to strip the blank therefrom, and the nose is biased radially inwardly of the ram by a corresponding adjustable spring mechanism.