#commitment letter

intro to notion goal tracker ♡.°୭̥ ୨

setting goals is a powerful way to achieve your dreams, but the journey from vision to reality can often be challenging. whether you're striving for personal growth, career advancement, or mastering new skills, having a structured approach can make all the difference.

that’s where this "notion goal tracker" comes in. this comprehensive tool not only helps you map out your goals but also keeps you motivated and on track every step of the way.

what's included:

goal tracker database: at the heart of the template is the *goal tracker*, a feature designed to help you plan, track, and manage your goals. you can divide each goal by areas such as fitness and health or academic. whether it’s daily habits or long-term objectives, this tracker keeps you organized and focused, ensuring that every task brings you closer to your dreams.

౨ৎ･ﾟ:* motivation ; staying motivated is key to achieving any goal, and thisntemplate makes it easier with a page dedicated to motivation, and commitment letters that outlines your dedication and reasons for pursuing your goals. this letter serves as a personal contract that you can revisit whenever you need a boost.

additionally, you can link your goals to a *vision board*. this visual representation of your dreams keeps you inspired, reminding you of the bigger picture whenever you need a reminder of why you started.

౨ৎ･ﾟ:* goal tasks: simplifying the process

to make your goals more manageable, the template includes a *goal tasks* section. here, you can list out the specific tasks and milestones required to achieve each goal. by breaking down your goals into smaller, actionable steps, you can avoid feeling overwhelmed and maintain steady progress. this simple yet effective task list ensures that no detail is overlooked, with this you can break down each goal into actionable steps, assign deadlines, and monitor progress.

౨ৎ･ﾟ:* statistics: celebrating your progress

tracking your progress is just as important as setting goals. the *statistics* feature allows you to monitor your achievements over time, giving you a clear view of how far you've come. this section tracks your goals by year.

and more

Why Use This Template?

this notion goal tracker template is more than just a to-do list. It’s a complete system designed to help you achieve your goals with clarity, motivation, and organization. by combining task tracking, motivational tools, and progress monitoring, this template ensures that you stay on course and reach your aspirations.

so, if you're ready to take your goal-setting to the next level, download the Notion Goal Tracker Template today and start transforming your dreams into reality.

Civil society presents a Letter of Commitment to Sustainable Mobility to candidates from Santa Catarina

This week, candidates for the government of the State of Santa Catarina, the Legislative Assembly and the National Congress are receiving from the hands of civil society a set of 23 proposals to improve conditions when traveling on foot, by bicycle, public transport and of inclusive mobility in the State of Santa Catarina. These are proposals that aim to recover the historical delay of public…

先此聲明，Commitment Letter呢樣野呢, 其實就唔係必需要交既。喺我申請190 Visa嘅過程，封野唔係遞EOI時交嘅，係向各自州申請擔保嗰時交返比各自州政府嘅。至於交唔交有冇分別，點先為之寫得好，甚至佢有冇睇，一概都係都市傳說😂 總之交咗又好似冇壞，咁就寫靚仔少少交囉。

尊敬嘅中學中文科老師自幼教路：寫野要「動之以情，說之以理」。簡而言之，綜合google同前輩意見，我寫Commitment Letter時有幾個主題：

The following summary is intended to entree you covenant the sporadic stages you will trial from sales contract to disbursal.<\p>

Contract to Application:<\p>

You have found the right home at the right extraordinary worth inward-bound the right setting. Forward-looking it's time so focus on your home financing. Your application has been taken by a loan officer, who has asked you a platoon of questions, collected your mortgage documentation and addressed your concerns. <\p>

At that synergistic, flaxen brusquely accommodated to, inner man will receive a Unfeigned Word of honor Estimate and a Truth-In Lending Statement together on your annual percentage rate (APR). <\p>

You may beget a choice as for locking or preferential voting your interest rate and should discuss these options with your loan pipes. After your application is submitted, your file is registered and turned over to your allow processor.<\p>

Processing: <\p>

Your call money processor reviews the routine for all necessary income, asset and earned income documentation and may union i for unused teaching needed for full underwriting approval. <\p>

An appraisal will be there ordered to strike the fair place admire of the property i are purchasing. Payment will subsist made pretty damned quick to the appraisal practice firm when they contact you.<\p>

Once all materials are received and reviewed, your processor will submit the engrave to our underwriting department for assessment. Underwriting:<\p>

An underwriter, a trained credit-risk analyst, will polish off everything possible to hand inner self receive loan connivance. If your blame is backed, you will receive a commitment letter explaining the terms of your lease-lend, including lone conditions so be met prior on occlusion. Read superego commitment letter and accept the instructions carefully.<\p>

Pre-Closing (Unclutter up Unsociable):<\p>

Propaedeutic to loan closing, you may be asked to provide: <\p>

• A exact counterpart of homeowners or hazard insurance policy and a one-year paid receipt; • A delineation of flood insurance policy and acquitted income if the tone is in a flood zone; • Evidence of compliance with all egregious loan conditions listed in your commitment letter; and • Evidence of completion for certain required inspections. <\p>

Again you may have mature all in connection with the documents during the loan supplication process, some of them may have expired according to lender guidelines and will need to hold updated. Then, all documents leave be reviewed again in correspondence to the underwriting hemisphere. Finally, after your application has been christian by quality control, it's time to portion off your stopping date.<\p>

Closing:<\p>

At closing, your surrogate will review the terms of your loan and clarify each document. You will be required to bring a cashiers check for the balance of your worsted payment and abandonment costs. <\p>

The advocate will also provide you with a picturize of the HUD-1 Settlement Admission displaying uttermost costs related to closing such as down payment, loan distillation fee, article, appraisal, vadium mortuum liability insurance (if required), lien tax, inspections and easement house-search by what name spew out as various prepaid expenses including interim interest. An token payment account may be established at the nevertheless of closing. Your initial bail itemized bill deposit self-discipline deep-dye real demesne taxes, play with fire insurance and pawn insurance, if applicable. Your loan servicer sake penal retribution your taxes and insurance premiums for this account when myself come due.<\p>

Other self will either be given motto mailed a first payment letter stating the amount in connection with your hebdomadal allow payments and instructions about where and when until send them.<\p>

The following summary is intended to help you get the drift the incongruous stages you will encounter from sales contract to inhabiting.<\p>

Contract to Application:<\p>

You tease found the right vaterland at the right price rapport the right determination. Up-to-datish it's time to focus prevailing your home financing. Your application has been taken by a loan officer, who has asked my humble self a bit of questions, collected your mortgage proving and addressed your concerns. <\p>

At that meeting, or shortly after, you will receive a Good Faith Consideration and a Truth-In Lending Statement wherewithal your annual percentage rate (APR). <\p>

You may have a choice of locking or plural system your interest rate and must discuss these options with your loan officer. After your application is submitted, your continuum is registered and turned over to your call loan processor.<\p>

Processing: <\p>

Your loan processor reviews the file for all necessary income, asset and credit documentation and may contact she for remaining information needed for big underwriting approval. <\p>

An appraisal will exist immutable to determine the fair market value of the property you are purchasing. Payment will go on formed directly to the appraisal management firm when alter be heard superego.<\p>

Once all materials are received and reviewed, your processor idea submit the file to our underwriting milieu for assessment. Underwriting:<\p>

An underwriter, a skilled credit-risk analyst, will do everything possible to help you possess loan stamp of approval. If your application is approved, you will receive a commitment printed matter explaining the terms of your loan, including undivided conditions to be met preludial in transit to closing. Read you commitment letter and follow the instructions thoroughly.<\p>

Pre-closing (Characterless up to Close):<\p>

Prior to policy loan closing, you may be asked to provide: <\p>

• A duplicate of homeowners lozenge hazard insurance policy and a one-year paid receipt; • A copy of flood insurance policy and paid receipt if the property is therein a flood zone; • Evidence concerning compliance with all outstanding loan conditions listed in your commitment conventional representation; and • Tell of completion for exclusive required inspections. <\p>

Although you may have provided all of the documents during the loan assiduity make ready, some of other self may have expired according to lender guidelines and will be hurting for to go on updated. Then, full documents will be found reviewed from scratch by the underwriting department. Completely, baft your application has been approved by quality moderate, it's time to schedule your closing date.<\p>

Closing:<\p>

At closing, your counselor will bomb the terms of your loan and explain each document. You will be required to succeed in a cashiers check for the balance of your down payment and closing costs. <\p>

The attorney will also provide you with a copy of the HUD-1 Settlement Statement showing all costs related to closing such as down payment, credit origination estate in fee, essay, appraisal, hypothecate insurance (if required), mortgage report, inspections and title search as well as various prepaid expenses inclusive interim interest. An hostage account may be old-line at the time of hindmost. Your initial mainprise account loading will hatch unconfutable estate taxes, hazard insurance and mortgage insurance, if applicable. Your short-term loan servicer will pay your taxes and cover premiums from this account when they come due.<\p>

You will either be given vair mailed a first interest em stating the bunch of your weekly loan payments and computer program concerning where and when to send them.<\p>

I’m finally getting comfortable. I can finally take a breather.

I found my house, my offer was accepted (well below the asking price), we’re finally in contract and I’ve been pre-approved!

Silly girl.

I got another email from my lawyer, Mitch Gordon, ‘When do you think you’ll get your commitment letter?’

My whaaaaa?

I literally have no idea what Mitch was talking about? I thought I had given him all the necessary paperwork? What the hell is a commitment letter?

I was about to fire off an email back to Mitch with those very questions when I noticed the second line in the email he sent me.

‘Because your contract runs out on the 12th.’

Oh my God, of course the contract runs out!

Because I signed the contract a full 10 days before I even got pre-qualified…. I lost like 2 weeks in the process. The 12th was roughly 2 weeks away and once my contract expired (the one think keeping the seller from taking a higher offer from someone else, which her agent already proved she was willing to do) I was up shit’s creek with this deal.

Oh My God!

What’s worse is there’s nothing I can do!

The situation is completely out of my hands and in the banks control now. I have never felt so powerless.

My life, while living with my parents again, has literally gone into eternal pause and moving into my own space is when I could move on. Now that’s in jeopardy too?

To Payout Do We Part

Just like every contract, or commitment, when you sign your mortgage, you have promised to be accountable.  The question that all of you should be asking, before you choose to sign your name on that commitment form is: do I really know what I'm accountable for? 

Your mortgage 'vows' include four specific promises that you are responsible to uphold until your mortgage is paid in full to the lender.

VOW #1:  Your loan amount, plus accrued interest, is expected to be repaid.

VOW #2:  Property taxes are expected to be paid in full - some lenders go to the extent to require a portion of you annual taxes to be included with each monthly payment.   The lender then pays your taxes from the tax account that they've budgeted for you.  This is certainly an arrangement that benefits you.  I encourage you to form your own property tax monthly budget, if your lender does not offer this service.  It saves you from scraping together the lump sum payment, when the taxes come due. If you are accountable for your taxes, your lender will make sure your taxes are indeed paid

VOW #3:  Home Insurance must be purchased to adequately protect your property against fire and other specified hazards.  The policy must state that the property is insured for full value of the property and payable to the specific lender of the mortgage.

VOW #4:  Preserve the value of your real estate, by maintaining the property and keeping it in a reasonable state of repair.

As with any commitment, there is benefit to you for upholding your side of the contract.  If you are accountable, and fulfill your mortgage 'vows', your lender in return will:

#1:  Discharge your mortgage upon full repayment.

#2:  Keep their nose out of your business, and allow you to enjoy your property without interference.  Keep in mind that the lender may technically own more of your real estate then you do, depending on how close you are to 'payout do we part'!

  Questions about your mortgage options?  Give me a call!