That translates to increases on the rate sheet
and decreases for the loan officer's bank account, not to mention the possible negative impact on customer relationships and referral sources.
Will you notify the patient up front, at the time of admission, that "outpatient physical or speech or occupational therapy is limited to $1,500, and if you exceed that, we're going to bill you for it," and then provide the patient with a rate sheet
? Because it's not Medicare's domain after the cap is reached; it's between the facility and the patient or the patient's family.
And automated rate sheet
generation allows loan officers and credit union members to immediately compare products and rates across a large number of lending institutions.
When it comes to setting an appointment, ask the loan agent to provide the lender's rate sheet
in order to verify the interest being quoted.
"They can get the rate sheet
for a particular customer, download a file into a spreadsheet if necessary, and review product information and manuals.
Assuming Acme priced both of these loans using the rate sheet
in table 1 (with a 45-day lock), we see that, although she has a lower nominal interest rate than Mr.
Interest rates examined may be the loan's basic note rate, its annual percentage rate (APR) or an overage measure of the difference between the rate of interest listed on a rate sheet
and the note rate or APR charged.
"It became difficult for me to maintain an Excel-based rate sheet
that allowed my loan officers to be as competitive as they could." Pricing engine technology also allows third-party originators to quickly pick up any little adjustment or incentive.