Summarize the following:
Access the National Mortgage Licensing System & Registry (NMLS) to determine whether or not each of your mortgage lenders are licensed in your state. Immediately eliminate from the list those lenders that do not show up on this website. The NMLS can be accessed at http://www.nmlsconsumeraccess.org. How a lender acted when you met with them can say a lot about how doing business with them will be later. Look for lenders who were helpful, professional, and willing to answer any questions you had. Did the lender stick to the interest rate they quoted over the phone or online? Do they set forth a timeline for progressing with your loan application (when to lock in rates, etc.)? Eliminate any lenders that seemed shady in any way. Also, pass on the mortgage lenders that did not provide clear written information. Search for each lender online to locate reviews of that lender. There should be sources like Zillow.com and Google local reviews that show up when you search for the lender. Look for higher scores and watch out for any problems other borrowers have run into with that lender. Lenders may be able to waive or lower some of the fees, even those that they originally try to argue are "necessary." For example, you should try to negotiate down the application fee to free or near free, if possible. Additionally, the appraisal fee is a necessary fee, but only if it is within reasonable bounds; you should negotiate down an appraisal fee that is over $500. If you are using a broker to get your loan, you may also be able to negotiate down origination fees and underwriting fees. Some fees are always non-negotiable. These include recording fees, title insurance, tax-related fees, document stamp fees, and title fees. Your lender may allow you to pay "points" in order to get a lower interest rate. This can lower your house payment, so it may save you money if you're planning to be in your home for a long time. However, it might not be worth it to pay points if you're planning to be in your home for a shorter length of time. For example, you might be able to pay $2,000 to reduce your interest rate by 0.25 percent. This would save you money by reducing your monthly payment by a small amount each month, and would add up over the life of your loan. The lowest rate is not necessarily the best option if there are thousands of dollars more in fees and expenses than a slightly higher interest rate loan. For example, you will be charged an origination fee on your loan. This is a percentage of the total value of the loan and is usually around one percent. If you were offered two loans with the same interest rate of 4.5 percent, but the first charges a 1.5 percent origination fee compared to the second's one percent origination fee, you would be better off choosing the second loan. Compare your lenders' offered interest rates and fees structures for the type of loan you are seeking. Obviously, you should go with the reputable lender that offers you the cheapest combination of interest rates and fees. Understand each loan type the mortgage lender is offering. There's a great deal of difference in a 30-year fixed-rate and a 30-year adjustable-rate mortgage (ARM), mainly that the interest rate in the ARM stands to change unexpectedly. Know the difference and feel confident in the explanation provided by the mortgage lender. Ask them to lock in the interest rate and fees you've negotiated and draw up a contract. Make sure to ask if your good faith estimate rates and fee structure still stand. Make sure you look at the fine print to ensure that you are getting the loan terms and fees that you have negotiated. Pay special attention to what happens if the loan doesn't go through. It is a serious red flag if the "good faith" or "earnest money" deposit you give the lender in advance is kept by the lender in the event that the loan doesn't go through. Again, ask for an explanation if there are any unexpected fees or confusingly worded statements in the contract.

summary: Confirm that the lenders in question are licensed. Think about how helpful each lender seemed. Look for lender reviews. Try negotiating the fees on the Good Faith Estimate. Compare all written documentation from each mortgage lender. Narrow your possible choices of mortgage lenders. Contact the mortgage lender you've selected. Read the fine print of the mortgage contract before signing.

Summarize the following:
Having a healthy diet is key to optimizing your blood flow. This is because, over time, a less healthy diet (containing, for instance, high amounts of processed foods, and one that is high in fat, sugar, and/or salt) can contribute to clogged arteries and overall diminished blood flow. On the other hand, you can improve the health of your arteries and your blood flow by incorporating healthy options like: Vegetables Lean meats Whole grains Healthy fats (such as those found naturally in avocado, fish oil, nuts and seeds). Spicy foods contain capsaicin from hot peppers in them. This chemical increases blood flow throughout the body. This is why many people become flushed when they eat certain spicy foods. Most experts recommend 8-12 cups of water per day, and more if and when you are exercising (to compensate for lost fluid during exertion). Consuming enough water is key to keeping your blood volume up, which in turn helps to improve circulation. Also avoid too much caffeine and alcohol, as both contribute to dehydration. However, if you notice swelling in your lower legs throughout the day, this is one indication not to consume too much fluid. If this is the case for you, speak to your doctor about appropriate fluid recommendations to maintain a healthy level of hydration. Keep in mind that there are many potential causes of swelling, so it is important to get a diagnosis and follow your doctor's recommendations.
summary: Improve your diet. Eat spicy foods. Stay well-hydrated.