borrow money Archives - Ocala Subdivision Tours

Breathe Easier With These Home Mortgage Tips

TIP! Avoid borrowing the most amount of money that is offered. The formulas used by the lender may not accurately reflect unexpected expenses that may come up in your real life.

Do you want to buy a new residence? Or perhaps you want to just refinance an existing home? If you must borrow money to finance a home, a mortgage is necessary. It can be confusing to go through the process of getting one, however with what you will learn here, the process should be a little easier to understand.

TIP! In advance of making your loan application, review your personal credit reports to check for accuracy. Credit standards are stricter than ever, so make sure that your credit is free of any errors that could prove to be costly.

Get all of your paperwork in order before applying for a loan. Having your information available can make the process go more quickly. The lender is likely to want to look over all of those materials, so getting it together for them can save time.

TIP! Do your research before you go to a mortgage lenders. The appointment won’t last long if you aren’t prepared with prior year tax returns, payment stubs, and other financial documentation.

New rules under the Home Affordable Refinance Program may allow you to apply for a new mortgage, no matter if you owe more than your current home is worth or not. This new opportunity has been a blessing to many previously unsuccessful people to refinance. Check the program out and a higher credit score.

TIP! Even if you are far underwater on your home, HARP might be an option for you. Many homeowners tried unsuccessfully to refinance, until this new program was introduced.

You will be responsible for the down payment when it comes to your mortgage. Some mortgage companies approved applications without requiring a down payment, but now they typically require it. Ask how much the down payment has to be before you submit your application.

TIP! If you are denied for a mortgage, do not lose hope. Instead, visit another lender and apply for a mortgage.

Make certain your credit is good if you want to obtain a mortgage. Lenders closely analyze credit history carefully to ensure you are a safe credit risk. If you have bad credit, work on repairing it before applying for a loan.

TIP! There are some government programs for first-time home buyers. These government programs can help defray closing costs.

Don’t lose hope if you have a mortgage. Every lender is going to have a certain barrier you need to satisfy to qualify. This means it is a good idea to apply to a few lenders in the first place.

There are some government programs that can offer assistance to first-time homebuyers.

TIP! Always pay close attention to relevant interest rates. Obtaining a loan is not dependent upon the rate of interest, but it will determine how much you spend.

The interest rate determines how much you will have have a direct effect on your payments. Know about the rates and how increases or decreases affect your loan. You might end up spending more than you want to if you are not careful with interest rates.

TIP! If you’re having difficulties with your mortgage then seek help. If you are behind on payments or struggle to keep up with them, try looking into counseling.

Try lowering your debt before getting a house.A home mortgage is a huge responsibility and you want to be sure that you will be able to make the payments, and you should be able to comfortably afford it. Having minimal debt will make it easier to do just that.

TIP! Get rid of as many debts as you can before choosing to get a house. A home mortgage is a huge responsibility and you want to be sure that you will be able to make the payments, no matter what comes your way.

Once you have secured financing for your home, you should try to pay extra towards the principal each month. This lets you pay down your loan more quickly. Paying as little as an additional hundred dollars a month could reduce how long you need to pay off the term of a mortgage by 10 years.

TIP! Usually a mortgage that has a balloon rate is simple to get. This mortgage has a short term and you will have to refinance the balance you still owe when the loan expires.

Learn what the typical costs and fees associated with a mortgage. There are so many strange line items when it comes to closing a home. It can feel overwhelmed and stressed. But with some homework, this will better prepare you for the process.

Interest Rate

TIP! When lending is tight, making sure your credit score is good is essential to securing a favorable loan. Get your credit scores from the three big agencies and make sure there are no errors on the report.

Don’t opt for variable interest rate that’s variable. The payments on these mortgages can increase substantially if economic changes cause the economy; you may be facing a mortgage that’s doubled soon because of a changing interest rate. You might end up owing more in payments that you can afford to pay.

TIP! If your credit is not the best, save up a bigger down payment so that your package is more attractive. A lot of people try saving five or so percent, but twenty percent can really help you out if what you’re trying to do is get approved.

Be sure that honesty is your only policy when you’re applying for a loan. A lender won’t allow you to borrow money if they find out you’ve lied to them.

TIP! Before seeking out a home mortgage loan, get your ducks in a row by tidying up your credit report. Lenders and banks are looking for people with excellent credit.

Look to the internet for your mortgage. You used to have to get a mortgage from a physical institution anymore. There are many reputable lenders online that only do their business exclusively online. They often have the advantage of being decentralized and are able to process loans more quickly.

If you are approved for a bit more, it can give you some wiggle room. This could cause you a big headache in the line.

TIP! You may need to find alternative lenders to get your mortgage approved if you have bad credit. Keep your payment records for several years.

Getting a loan pre-approval letter for the mortgage you’re taking out can impress a seller while showing them you are prepared to buy. This shows the seller also that you are financially sound. If the letter indicates you are able to pay more than you are offering, they’ll ask for more.

Don’t be afraid of waiting for a more appropriate loan comes along. Certain times will give you better for obtaining great deals. Waiting is frequently in your best interest.

TIP! Find out from the mortgage broker what paperwork you will need to proceed with the loan. When you have all of your documents ready, it will speed up the loan process because you will not waste time looking for your papers everywhere.

You should know that lenders ask for many different types of documentation from you. Make sure to provide whatever papers in a timely manner to ensure the process goes smoothly. Also be sure that you provide documents in their entirety.This will make the whole process go smoothly and quickly.

TIP! Visit the local library for books about home mortgages. The library offers many free resources to help you learn about getting a home loan.

With the knowledge acquired here, you can feel good that you have quality information about getting the right mortgage. When you think about getting a mortgage you can live with, use the insights provided here for help. Owning your own home is wonderful and the mortgage process can go smoothly.

Local Resources Serving This Area
Ocala Florida Real Estate

Authority Tree Service
Our Customer's Come First!Call (352) 732-5226Visit Us Online
AuthorityTree.com

Gutter Helmet of Central Florida>>> Special! 40% Off <<<
Never Clean Your Gutters Again
Member of BBB
Call (407) 682-3939
or (888) 849-3939
www.GutterHelmetFlorida.com

Florida Piano Services
Professional Piano moving,
tuning and repair.
>>> Call for a Free Quote! <<<
Call (352) 681-1050
Visit Us Online

Taking Out A Home Mortgage? Read These Tips First!

TIP! Before going to a lender, get your financial papers in order. Having all your information available can make the process shorter.

Do you want to purchase a new home? Or maybe you want to refinance an existing mortgage? If you must borrow money to finance a home, you need a home loan. The process can be tricky, but with the knowledge shared here, it can be a lot easier.

TIP! Try to refinance again if your home is currently worth less money than you owe. Recently, HARP has been changed to allow more homeowners to refinance.

Avoid spending lots of money after you apply for a loan. Lenders recheck your credit in the days prior to finalizing your mortgage, and they could change their mind if they see a lot of activity. Wait to buy your new furniture or other items until after you loan closes for major purchases.

Tax Returns

TIP! Set a budget at the outset and stick to it to stay in good financial shape. This means establishing a limit for your monthly payment, based on what your income allows, not only for what kind of house you are looking for.

Get key documents in order before you apply for a new mortgage. Most lenders require the time of application. These documents include prior year tax returns, pay stubs, income tax returns and bank statements. The mortgage process goes smoother when your documents ready.

TIP! Don’t lose hope if you have a loan application that’s denied. Try applying for a mortgage with another lender.

Know what terms before trying to apply for a home loan and keep your budget in line. No matter how much you love the home, if it makes you unable to keep up with your bills, you are bound to get into financial trouble.

TIP! When you go to see the mortgage lender, bring along all your financial records. You will need to show proof of income, bank statements and all other relevant financial information.

You should pay no more than thirty percent of the money you make on your monthly income toward a home loan. Paying a mortgage that is too much can cause problems for you. Keeping your payments manageable will allow you keep your budget in order.

TIP! You might want to look into getting a consultant so they can help guide you through this process. There is much to learn in this process, and they can help you obtain the best deal you can.

Make certain your credit rating is the best it can be before applying for a mortgage loan. Lenders check your credit history to ensure themselves that you are a safe credit risk. If your credit is bad, do whatever it takes to fix it so your loan is not denied.

TIP! Educate yourself on the home’s history when it comes to property tax. Know what the property taxes are before you sign any papers.

Make sure that you have all your financial paperwork on hand before meeting a mortgage lender. The lender is going to need income proof, proof that you’re making money, and other documentation of assets. Being organized and having paperwork ready will help speed up the process of applying.

TIP! A mortgage broker will look favorably on small balances extended over two or three credit cards, but they may look unfavorably at one card that is maxed out. Your credit card balances should be less than 50% of your overall credit limit.

Research potential mortgage lenders before you agree to anything. Do not just assume your lender you know nothing about. Look on the Interenet. Check out the BBB website. You should have to know as much as possible before undertaking the loan process so you apply.

Avoid Lenders

TIP! Adjustable rate mortgages don’t expire when their term is up. The rate is sometimes adjusted, however.

Learn ways you can avoid a shady home mortgage lender. Avoid lenders that are trying to smooth talk their way into a deal. Don’t sign any documents if you think the rates are just too high. Avoid lenders that say a poor credit isn’t an issue. Don’t go with anyone who suggest lying is okay either.

Always be honest as you go through the loan process. A lender won’t allow you to borrow money if they find out you’ve lied to them.

Credit Scores

TIP! You need a good credit score to get a great rate on your home mortgage. Know your credit score.

A good credit score generally leads to a great mortgage rate in our current tight lending market. Get three separate credit scores from all the big agencies so that you can check the reports for errors. Many lenders avoid anyone with credit scores that are below 620.

TIP! Settle on your desired price range prior to applying for mortgages. If a lender approves you for more funds than you can comfortable afford, it’ll give you some leeway.

If you already are aware of the fact that your credit is bad, save up a bigger down payment so that your package is more attractive.It is common practice to have between three to five percent; however, but you should aim for around twenty if you want to increase your chances of being approved.

Many sellers just want out and will help you out.You will then need to make two payments every month, but it could assist you in getting your mortgage.

TIP! If you have credit issues or none at all, the only way to get qualified for a home mortgage loan is through alternative sources. Make sure you hang onto all payments records for at least the past year.

Compare different brokers when you are shopping for a home mortgage. You will want to get the best interest rate that’s good. You need to know about down payments, like the down payment and the closing costs.

TIP! The best way to negotiate a better rate with your current lender is by checking out what other banks are offering. Lots of lenders, especially online ones, offer truly impressive rates.

Getting an approval letter for the mortgage you’re taking out can make the seller while showing them you are prepared to buy. It shows that you’ve already been checked out and you are ready to go. If it goes higher, the seller knows you can pay more.

TIP! There is no need to start the entire process all over if you are denied a loan, you can use the same information with another lender. Keep what you have the way it is.

Don’t allow yourself to make any changes that may negatively affect your credit score prior to the loan actually closes. The lender will likely check your score right before closing. They may rescind their offer if you’re trying to make new car payment or get a credit card that’s new.

TIP! The rates that are posted at the bank are just guidelines and aren’t really the rule. Ask each lender about their rates and what the best offer they can make to you is, then compare your options.

If your credit is poor or nonexistent, you might have to find alternative sources for a loan. Keep your payment record you can for at least one year. This will help you pay your utility and rent on time.

You should not hesitate to wait until a better loan provider. Certain times will give you better loans than others. Waiting is frequently in your best option.

TIP! Ask what documents are required for a loan. Being thoroughly prepared will make the process flow quickly and smoothly.

The right way to negotiate a better rate is to comparison shop. Many lenders could offer lower interest rates than what a traditional bank will. You can use this information to motivate your lending institution that you are shopping around in order to see if they will give you more favorable terms.

TIP! Look for different lenders on the Internet. Check out forums, reviews, feedback and blogs to sort through your options.

These tips should have answered some of your question about getting a home mortgage. Knowing this information will mean that you can obtain a loan in a more proficient, organized way. Don’t be frightened of the process. Owning your very own home is one of life’s great joys.

Local Resources Serving This Area
Ocala Florida Real Estate

Authority Tree Service
Our Customer's Come First!Call (352) 732-5226Visit Us Online
AuthorityTree.com

Gutter Helmet of Central Florida>>> Special! 40% Off <<<
Never Clean Your Gutters Again
Member of BBB
Call (407) 682-3939
or (888) 849-3939
www.GutterHelmetFlorida.com

Florida Piano Services
Professional Piano moving,
tuning and repair.
>>> Call for a Free Quote! <<<
Call (352) 681-1050
Visit Us Online

Home Mortgage Tips That You Can Use

TIP! Do not take out new debt and pay off as much of your current debt as possible before applying for a mortgage loan. A higher mortgage amount is possible when you have little other debt.

Do you wish to buy a house? Or perhaps you want to just refinance your existing home? If you want to borrow money towards a home, you will be needing a mortgage. The process can be tricky, but with the knowledge shared here, it should be easier.

TIP! Before undertaking the mortgage application process you should organize all of your finances. Not having all relevant information handy can cause annoying delays.

Start preparing yourself for getting a home loan application. Get your financial business in order immediately. You should have a healthy savings and any debt level is reasonable. You will not get a loan if you hold off too long.

TIP! Make sure that you avoid binge shopping trips when you are in the waiting period for a mortgage preapproval to formally close. Lenders recheck your credit in the days prior to finalizing your mortgage, and could change their mind if too much activity is noticed.

Get all of your paperwork together before seeking a home loan. Having your information available can make the process go more quickly. The lender wants to see all this material, so getting it together for them can save time.

TIP! It is likely that your mortgage lender will require a down payment. Some banks used to allow no down payments, but now they typically require it.

You must have to have a lengthy work history to get a home mortgage. A lot of lenders need at least 2 steady years of solid work history in order to approve any loan. Changing jobs can also disqualify you ineligible for mortgages.You never want to quit your job during the application process.

TIP! Predefine terms before your application process, not just to prove to your lender that you are able to handle any arrangements, but also to keep it within your monthly budget, too. This includes a limit for your monthly payments based on the amount you’re able to afford instead of just the type of home you desire.

Many purchasers are afraid to discuss their problems with a lender; if you are in financial trouble try to renegotiate it. Be sure to discuss all your options with your mortgage provider and about any available options.

TIP! You should have good credit in order to get a home loan. Lenders will scrutinize your past credit to determine how much of risk you are to them.

If you’re working with a home that costs less that the amount you owe and you can’t pay it, try again. The HARP has been re-written to allow people that own homes get that home refinanced no matter what the situation. Speak with your mortgage lender to find out if this program would be of benefit to you. If the lender isn’t working with you, go to a new lender.

TIP! Consider investing in the services of a professional when you’re about to take out a mortgage. A home loan consultant can help make sure you get a good deal.

If you struggle to pay off your mortgage, then find assistance. Counseling is a good way to start if you cannot stay on top of your monthly payments or are having difficultly affording the minimum amount.There are counseling agencies that can help. These counselors offer free advice to help you avoid foreclosure. Call HUD office locations.

TIP! Talk to your friends for mortgage advice. Chances are, they can give you some helpful advice.

Determine which type of mortgage you are going to need. There are quite a few different kinds of mortgage loans. Knowing about these different types can help you make the type of mortgage appropriate for your situation. Speak to lenders about different options are.

TIP! Make sure you’re paying attention to the interest rates. Obtaining a loan is not dependent upon the rate of interest, but it will determine how much you spend.

Balloon mortgages are the easier ones to get approved for. This loan has a shorter term, and one that requires it to be refinanced after the expiration of the loan term. This is a risky loan to get since interest rates can change or detrimental changes to your financial health.

TIP! Determine what sort of mortgage you want. There are many types available.

Once you have taken out your mortgage, you should try to pay extra towards the principal each month. This will help you to reconcile the mortgage loan at a timely manner. Paying as little as an additional hundred dollars a month on your loan can actually reduce the loan by ten years.

TIP! Reduce debts before applying for a mortgage. Home mortgages are huge responsibilities, so you need to make sure you can make the payments, no matter the circumstances.

Learn how to detect and avoid a shady home mortgage lender. Avoid the lenders that try to fast or smooth talk you into a deal. Don’t sign things if you think the rates are too high. Avoid lenders that say there is no problem if you have bad credit. Don’t work with anyone who encourages you to lie.

TIP! Once you have your mortgage, start paying a little extra to the principal every month. This will help you pay it off quicker.

Many brokers can find mortgages that will fit your situation better than these traditional lenders can. They work together with many different lenders and will direct you to the right loan.

TIP! You may be able to borrow money from unconventional sources. You could borrow from loved ones, even if it’s just for your down payment.

Know what all your fees before signing anything. You will be required to pay closing costs, commissions and other fees that ought to be itemized for you.You can negotiate with your lender or seller.

TIP! Make sure your mortgage broker answers any questions you have about anything you do not understand. You need to know what’s going on.

Learn all about the typical costs are associated with a mortgage. There are quite a few fees you will be required to pay when you close out on a home. It can make you feel very daunting. But, if you do some work and know what you’re talking about, you can be a knowledgeable loan shopper and get a great deal.

Be sure you are honest when seeking a loan. A lender won’t trust you to borrow money if you’re not able to be a trustworthy person.

TIP! While you want to focus on the rate that you get with a home loan, there are other things to focus on as well. Different lenders tack on different fees that must be addressed.

Many sellers just want to make a quick sale and they can help. You may have to shell out more money each month, but this could help you get a mortgage.

TIP! Decide on your price range before you apply to a mortgage broker. If you end up being approved for more financing than you can afford, you will have some wiggle room.

There is more to consider when it comes to a loan than comparing interest rates. Different lenders tack on different types of fees.Think about the costs for closing, the loan type offered, and closing costs. Get quotes from several lenders and then make your decision.

TIP! When your loan receives approval, you might have the temptation to be a little lax. Avoid making any changes to your financial situation until after your loan closes.

Always speak with people and tell the truth.Never ever lie when talking to a mortgage. Do not manipulate figures about your income and assets.You could be held down by more than you can manage. It might seem like a good idea, but after a while it won’t work out so well.

TIP! Keep in mind that brokers make more money off of fixed rate products than they do if you select a variable rate. They may use this to their advantage and sway you to choose the fixed rate option.

The best way to negotiate a low rate with your current lender is by checking out what other banks are offering. Many lenders could offer lower interest rates than regular banks. You can let your lending institution that you are shopping around in order to see if they will give you more attractive offers.

TIP! Make sure to have a third party inspector check out the home. The inspector that is the lenders might not have your best interests in mind.

Check out the BBB prior to selecting a mortgage broker that you may be working with. There are predatory brokers that can trick you into a higher-fee agreement. Be wary of brokers who want you to cough up high fees.

The rates that you see posted at the bank are only guidelines and not always the set rates.

TIP! Think about any financing options the seller might have. Some owners are willing to owner finance.

You should be aware that the lender is going to request a lot of documentation from you. Make sure to provide these papers in a timely manner to ensure the process moves along quickly and smoothly. Also be sure that you provide are complete. This way the application process much easier for everyone.

TIP! While it is tempting to refinance for a lower interest rate, the added fees may zero out any real savings. If you already have a low interest rate, changing lenders for a half or full percent advantage is hardly worth the bother.

The tips shared here give you more information about home loans. When the time comes to apply, use these tips to balance the situation in your favor. Owning your home is within reach; don’t let the process intimidate you.

Local Resources Serving This Area
Ocala Florida Real Estate

Authority Tree Service
Our Customer's Come First!Call (352) 732-5226Visit Us Online
AuthorityTree.com

Gutter Helmet of Central Florida>>> Special! 40% Off <<<
Never Clean Your Gutters Again
Member of BBB
Call (407) 682-3939
or (888) 849-3939
www.GutterHelmetFlorida.com

Florida Piano Services
Professional Piano moving,
tuning and repair.
>>> Call for a Free Quote! <<<
Call (352) 681-1050
Visit Us Online

What You Need To Know About Your Home Mortgage

TIP! If you want to accurately estimate your potential monthly mortgage payment, consider loan pre-approval. You should compare different loan providers to find the best interest rates possible.

Are you in the market for a home? Do you think that refinancing your current home would be a good option? If you must borrow money to finance a home, then you will need to obtain a home mortgage. The process can be tricky, but once you know what you’re doing, it can be a lot easier.

TIP! Do not borrow up to your maximum allowable limit. You are the best judge of the amount you can afford to borrow.

Start early in preparing yourself for the home mortgage early. Get your financial business in hand. You need to build up savings and make sure your debt level is reasonable. You run the risk of your mortgage getting denied if you hold off too long.

TIP! If your financial situation changes, you may not be approved for a mortgage. Do not attempt to get a home loan unless you have a stable job.

New rules under the Home Affordable Refinance Program may allow you to apply for a new mortgage, even if it is not worth what you owe. This new opportunity has been a blessing to many previously unsuccessful people to refinance. Check the program out to determine what benefits it will provide for your situation; it may result in lower payments and a higher credit score.

TIP! You need to find out how much your home is worth before deciding to refinance it. It may look exactly the same, but the value may be different.

Make sure you find out if your home or property has decreased in value before seeking a new loan. The bank may hold a different view of what your home is worth than you do, but the bank has an entirely different view.

TIP! Learn the property tax history of the home you are planning on buying. You have to understand how your taxes will increase over time.

Don’t despair if you have a mortgage. Each lender is quite different on the criteria for granting loans. This is why it’s always a good idea to apply with a bunch of different lenders to get optimal results.

There are some government programs designed to assist first time homebuyers.

TIP! If you are having problems with your mortgage, seek help. Consider seeking out mortgage counseling.

Check out a minimum of three (and preferably five) lenders before you look at one to be the lender. Check online for reputations, their rates and any hidden fees in their contracts.

TIP! Know exactly what kind of home mortgage that you require. Various sorts of home loans exist.

If you’re having trouble paying off your mortgage, seek out help. Counseling is a good way to start if you are having difficultly affording the minimum amount. There are HUD all over the United States. These counselors who have been approved by HUD offer free advice that will show you how to prevent a foreclosure. Call HUD or look online for their office to find out about local programs.

TIP! Adjustable rate mortgages, also known as ARM, don’t expire when the term is up. The rate is adjusted accordingly using the rate on the application you gave.

Balloon mortgages are among the easiest loans to get approved for. This kind of a loan has a term that’s shorter, and whatever you owe on your mortgage will be refinanced once your loan’s term expires. This is risky due to possible increases in rates can change or detrimental changes to your financial situation can get worse.

TIP! Your mortgage doesn’t have to come from a bank. If you are able to borrow from family or have another option, you can put more money down.

Research prospective lenders before signing for anything.Do not trust a lender is totally trustworthy. Look them up on the Internet.Check out lenders at the BBB as well. You should start this process armed with enough information in order to save money.

TIP! Close excessive credit cards before applying for a loan. Too many credit cards make you seem irresponsible, even if you don’t have too much debt on them.

Learn what all about the typical costs and fees associated with a mortgage. There are often odd-seeming line items involved in closing a lot of things that can go wrong when you’re trying to close out on a home. It can make you feel very daunting. When you do some work and know the language, you might even be able to negotiate them away.

Slightly Higher

TIP! Getting a loan pre-approval letter can impress a seller while showing them you are prepared to buy. It shows your financial information is strong and that you have been given approval.

If you’re able to pay a slightly higher payment for your mortgage, try getting a 15 to 20 year loan. These short-term loans come with a lower interest and a larger monthly payments that are slightly higher in exchange for the shorter loan period. You might be able to save thousands of dollars in the end.

Honesty is the best policy when applying for a mortgage. A lender won’t trust you to borrow money if they find out you’ve lied to them.

Many sellers just want out and will help you out.You will need to make a two payments from then on, but it can help you obtain a mortgage.

TIP! The posted rates at a bank are a guideline, not a hard and fast rule. Shop around at a competitor lender.

Look through the Internet to finance a mortgage. You no longer have to go to mortgage companies but now you can contact and compare them online. There are a lot of great lenders who have started to do business on the Internet. They can be decentralized and are able to process loans more quickly.

TIP! Try not to sign up for any loans that have prepayment penalties. If you have a good credit score, you will not even need to sign away prepayment penalties.

Consider getting a mortgage that lets you make payments every two weeks. This lets you make an additional two payments every year and reduce your overall interest. It can be great if you are paid once every two weeks since payments automatically taken from your account.

TIP! If you’re thinking of getting a different lender, you should be careful about it. Some lenders reward loyal customers with better deals than those offered to first-time customers.

If your credit rating is low, the only way to get qualified for a home mortgage loan is through alternative sources. Keep up with your payment record you can for up to a year in advance. This will help you pay your utility and rent on time.

TIP! Ask for advice from family and friends when seeking a mortgage broker. They may have some great suggestions.

With the knowledge acquired here, you can feel good that you have quality information about getting the right mortgage. When thinking of applying for a home loan, use the information presented here as guidance. You will be proud of owning your own property, so don’t let getting one be intimidating.