If you have a few minutes, do read this article about California Home Loan Mortgage Rates. And believe us; these two minutes would be spent well. You won't be wasting them.
If you have been trying to find relevant information on California Home Loan Mortgage Rates, you have come to the right place. This article on California Home Loan Mortgage Rates is perhaps amongst the best written article on the topic and it is for you to make benefit out of it.
Reading articles is surely a very good way of increasing ones knowledge but for that you would have to search through a lot of trash. We think that some of your needs must have been satisfied through reading this article about California Home Loan Mortgage Rates.
The California Home Loan Mortgage Rates are low at this point of time. The California Home Loan Mortgage Rates are connected to the national interest rate and controlled by national housing market interest index. The national interest rate is controlled by secondary markets which are closely monitored by the Government since the whole economy depends on them. The economy at this time coupled with the housing market situation has brought about this change in California Home Loan Mortgage Rates.
The very fact that you are reading this article shows that you are interested in knowing about California Home Loan Mortgage Rates. Reading this article must have made you aware of the effort we have put into making this article worthwhile.
If you still feel that there was no need to read this article, we would have to concede that you truly know what all needs to known about California Home Loan Mortgage Rates, but if the answer is no, you must be glad of reading this article.
Home Loan Mortgage Rates in California do not rally appeal to a prospective buyer especially if he is from a different state. These rates can inject more frustration than excitement into his life since the cost of living in California is high in comparison to other states. It really takes a lot of intellect and skill to play around with different options to reduce interest rates and payments in order to make California Home Loan Mortgage Rates affordable.
Reading this article about California Home Loan Mortgage Rates must have made this clear to you that there are so many things that are generally not provided by your run of the mill articles.
The California Home Loan Mortgage Rates fluctuate daily. In order to get the feel of it, it is advisable to wait and watch and see the trend before making a decision. These mortgage rates come in with a variety of different options. There are interest only rates, standard fixed rates, adjustable rates and variable rates. All these rates have to be taken into account while making a decision in order to get the best rates possible.
Now when you are reading this article on California Home Loan Mortgage Rates you can yourself verify the veracity of our claim that we provide content in our articles and it should not be such a big thing but in comparison to what is generally presented on the net; that is a big thing for sure?
Interest only California home loan mortgage rates are the lowest since the buyer or borrower is paying only the interest component. This apparent low level of payment options makes it interesting and attractive to borrowers
A standard fixed mortgage rate gives the maximum security to the home buyer in freezing the interest rates, i.e. the interest rates will neither raise nor fall. They will have a consistent, preplanned repayment schedule throughout the loan term. The term comes in different sizes viz. 15, 20, 25, 30, or 40 years. A fixed California home loan mortgage rate follows the national housing interest index faithfully.
Mortgage rates that variable or adjustable carry a lower interest tag; normally 2%-3% lower than the fixed rates. They begin as fixed for a short period which is predetermined, usually 2, 3, 5, or 7 years, after which they start fluctuating in accordance with the current market California home loan mortgage rates. The borrower has certain options here; he can refinance for a new loan, sell the home, or start repayment of the new variable or adjustable rates. Buyers planning to invest in property for a short period often choose the variable or adjustable mortgage rate because of the lower payments they offer during the starting years of the loan.
Lower California home loan mortgage rates are always attractive to borrowers because they are mostly on the higher side due to higher cost of living. The best way to ensure a low California home loan mortgage rate is to possess a good to excellent credit score. These credit scores directly determine interest rates and the better the score, the lower the California home loan mortgage rate.
It is not that this article would land you up with a doctorate in California Home Loan Mortgage Rates. We just want to provide you with some common information about California Home Loan Mortgage Rates.
This article was just an effort to make you interested in California Home Loan Mortgage Rates and now it is for you to improve your knowledge about California Home Loan Mortgage Rates as much as you can.
Showing posts with label Mortgage. Show all posts
Showing posts with label Mortgage. Show all posts
Saturday, August 11, 2012
Monday, June 11, 2012
Business Plan, For Mortgage Professionals, Targeting First Time Home Buyers
The housing market, combined with the recent tax incentive, has created a new target audience for Realtors and Loan Officers. The need for a sales and marketing plan to address education, building relationships, and communication will generate increased business for the Loan Officer and Realtor to provide assistance to first time home buyer.
The housing downturn has created significant demand for homeownership, especially among first-time home buyers (FTHB), according to a survey on Realtor.com. That is great news for the real estate market, but there are some significant challenges that Realtors and Mortgage Professionals will face.
First challenge: Looming Deadline with NO PLAN
November 30th, 2009 is the date the tax credit goes away. That's 5 months from the day this article was written, which seems like a long time but the reality is that it will be here before we know it. Those who plan on taking advantage of this opportunity need to have a well thought out, fool-proof plan to execute. The sad reality is that people have been/were so busy with refinance business that they didn't have time to build a plan. Others are starving for direction and want a plan but don't have the "know-how" to build one. A strategic sales and marketing plan includes tactics that keep your plan within the necessary timeline.
Second challenge: Weak Relationships
FTHBs are tricky and require a strong relationship and good communication between the Realtor and Loan Officer. As a result of the recent low interest rate environment or "mini refi-boom, mortgage companies focused much of their efforts and time on capturing the refinance opportunities, not building relationships with Realtors. The result: many Realtors were left unattended. Relationship marketing tactics are needed to generate a successful partnership to meet this challenge.
Third challenge: Weak Value Propositions
Everyone knows that Loan Officers need to partner with Realtors but the question is , "why would they partner with you?" Good service and low rates are overused clichs and don't differentiate. Relationships are great, but at the end of the day the relationship needs to lead to "value creation" for both parties for it to be sustainable. A sales marketing plan will outline the strategy needed to create value for the Loan Officer and Realtor.
Fourth challenge: Education Gap
The Obama administration is hoping that a recently enacted tax credit can generate housing demand and help mop up the existing unsold inventory. But according to a survey by Move, Inc.--which operates Realtor.com--nearly half (47%) of home buyers don't even know the tax credit exists! A marketing communication plan is needed to target the first time home buyer educating them about this tax incentive.
Fifth challenge: Fear in the Marketplace
-52% of Americans are concerned that they or someone they know will face foreclosure in the next six to 12 months.
-18.9% (one out of five) of homeowners plan to take advantage of the administration's new program to help prevent foreclosures.
-21% of all homeowners with a mortgage contacted a lender to restructure their loan in the last 12 months.
-Half (10.6%) of those homeowners that contacted their lender experienced success while 5% still await an answer.
-27.1% of adults believe that they or someone they know may default on their mortgage because of unemployment or because they owe more on their home than it's worth.
I won't even begin to mention the media's contribution to this fear. The reality is that people are scared and need guidance. The question is , "who will they trust?" They will trust those whom they have a strong relationship with and/or those who have unshakeable credibility. To meet this challenge create a marketing plan that brands you as experienced in your field and a knowledgeable professional that can be trusted.
The good news in all of this is that there is a ton of opportunity out there. Take a look at the statistics of when Americans are planning on buying:
-23% of all adults plan to purchase a home in the next five years
-5.8% within next 12 months,
-12.8% within the next two years
Here is the opportunity -
First-time Home Buyers make up over half (53.5%) of the market, and the government is offering them an ,000 tax credit to purchase a house. But here's the kicker: 47.6% of Americans don't know about the tax credit! That's almost half the American population! What this means to you is that a lot of people want to buy a home in the next 12 months and most of them are FTHBs who aren't even aware of a huge incentive (,000 tax credit).
Okay, so now you see the opportunity, and the question that should be going through your mind is, "how do I maximize this opportunity given the challenges outlined above?" Great question!
This is a great opportunity and the Million Dollar Challenge was created to assist Mortgage Professionals and Realtors to take advantage of it. The Million Dollar Challenge is a call to action and a business plan example to help First Time Home Buyers receive ,000,000 in tax credits.
The housing downturn has created significant demand for homeownership, especially among first-time home buyers (FTHB), according to a survey on Realtor.com. That is great news for the real estate market, but there are some significant challenges that Realtors and Mortgage Professionals will face.
First challenge: Looming Deadline with NO PLAN
November 30th, 2009 is the date the tax credit goes away. That's 5 months from the day this article was written, which seems like a long time but the reality is that it will be here before we know it. Those who plan on taking advantage of this opportunity need to have a well thought out, fool-proof plan to execute. The sad reality is that people have been/were so busy with refinance business that they didn't have time to build a plan. Others are starving for direction and want a plan but don't have the "know-how" to build one. A strategic sales and marketing plan includes tactics that keep your plan within the necessary timeline.
Second challenge: Weak Relationships
FTHBs are tricky and require a strong relationship and good communication between the Realtor and Loan Officer. As a result of the recent low interest rate environment or "mini refi-boom, mortgage companies focused much of their efforts and time on capturing the refinance opportunities, not building relationships with Realtors. The result: many Realtors were left unattended. Relationship marketing tactics are needed to generate a successful partnership to meet this challenge.
Third challenge: Weak Value Propositions
Everyone knows that Loan Officers need to partner with Realtors but the question is , "why would they partner with you?" Good service and low rates are overused clichs and don't differentiate. Relationships are great, but at the end of the day the relationship needs to lead to "value creation" for both parties for it to be sustainable. A sales marketing plan will outline the strategy needed to create value for the Loan Officer and Realtor.
Fourth challenge: Education Gap
The Obama administration is hoping that a recently enacted tax credit can generate housing demand and help mop up the existing unsold inventory. But according to a survey by Move, Inc.--which operates Realtor.com--nearly half (47%) of home buyers don't even know the tax credit exists! A marketing communication plan is needed to target the first time home buyer educating them about this tax incentive.
Fifth challenge: Fear in the Marketplace
-52% of Americans are concerned that they or someone they know will face foreclosure in the next six to 12 months.
-18.9% (one out of five) of homeowners plan to take advantage of the administration's new program to help prevent foreclosures.
-21% of all homeowners with a mortgage contacted a lender to restructure their loan in the last 12 months.
-Half (10.6%) of those homeowners that contacted their lender experienced success while 5% still await an answer.
-27.1% of adults believe that they or someone they know may default on their mortgage because of unemployment or because they owe more on their home than it's worth.
I won't even begin to mention the media's contribution to this fear. The reality is that people are scared and need guidance. The question is , "who will they trust?" They will trust those whom they have a strong relationship with and/or those who have unshakeable credibility. To meet this challenge create a marketing plan that brands you as experienced in your field and a knowledgeable professional that can be trusted.
The good news in all of this is that there is a ton of opportunity out there. Take a look at the statistics of when Americans are planning on buying:
-23% of all adults plan to purchase a home in the next five years
-5.8% within next 12 months,
-12.8% within the next two years
Here is the opportunity -
First-time Home Buyers make up over half (53.5%) of the market, and the government is offering them an ,000 tax credit to purchase a house. But here's the kicker: 47.6% of Americans don't know about the tax credit! That's almost half the American population! What this means to you is that a lot of people want to buy a home in the next 12 months and most of them are FTHBs who aren't even aware of a huge incentive (,000 tax credit).
Okay, so now you see the opportunity, and the question that should be going through your mind is, "how do I maximize this opportunity given the challenges outlined above?" Great question!
This is a great opportunity and the Million Dollar Challenge was created to assist Mortgage Professionals and Realtors to take advantage of it. The Million Dollar Challenge is a call to action and a business plan example to help First Time Home Buyers receive ,000,000 in tax credits.
Sunday, May 20, 2012
Mortgage Loans For The Self-employed: Making Home Purchase Possible
Everyone wants to buy a cozy home to live in, and everyone has the right too. But unfortunately what home can be bought depends on the mortgage that is deemed affordable. For many people with their own businesses, qualifying for a mortgage is a challenge, but mortgage loans for the self-employed are available to improve their chances.
The reason that the self-employed find it harder to secure mortgage loan approval is the lack of job security. A business can go to the wall, especially in these difficult financial times. But an employee does not have to worry about the same things, and are able to rely on their salaries more.
By providing the required documentation, it is possible to get the mortgage loan needed.
Criteria to Qualify
Because of the large percentage of the workforce that is self-employed, there are plenty of options open to that niche market. However, there is still a need to meet the necessary criteria to qualify for a mortgage loan for the self-employed. The criteria inevitably involves furnishing proof that the applicant has a business and that everything with it is fine.
The range of documentation is not that wide, but it is enough to ensure that everything is above board. Typical documents needed to secure mortgage loan approval include a business license, the business credit report and trading tax returns. With this information, lenders are able to ascertain just how secure the business is, and the level of debt the applicant already has on his plate.
Other proof required is that the income is reliable, that the applicant has been self-employed for at least 3 years, has no recent bankruptcies or foreclosures in the credit report, and proof of a down payment. Once these are confirmed, the chances of securing a mortgage loan are improved considerably.
Knowing Your Limit
Budgeting is hugely important when it comes to mortgage loans for the self-employed. And so it is a good idea that your limit is known before the application is submitted. The first step is to find out your credit score, and to check what effect it will have on mortgage terms like interest to be charged and the percentage purchasing price offered.
Efforts to secure mortgage loan approval may be extensive when going into this level of detail, however, the effort is certainly worth it. If the bad credit score is between 620 and 650, it will probably mean getting 65% the purchasing price. This means a down payment of 35%, or a second mortgage of that amount, is needed to push the purchase through.
Knowing what terms are around the corner allows the applicant time to put things in order before making the mortgage loan application. For example, improving the credit score to 680 could see 75% of the purchase price provided, or an excellent 700 ensuring an 90% financing deal.
Finding A Lender
Different lenders offer different deals, so finding a lender that offers a mortgage loan for the self-employed that has low interest rates and good repayment terms can require some searching.
Efforts to secure mortgage loan approval generally involve making concessions, but that is not to say that any terms should be accepted. A basic decisions is to choose between fixed rate and variable rate mortgages. A good lender will be able to advise properly on which is the most suitable option given your circumstances.
It is also worth considering options like a shorter term (15 years), or a mixed variable and fixed rate deal. Whatever the options, however, make sure it fits your mortgage loan budget, otherwise it could spell financial disaster.
The reason that the self-employed find it harder to secure mortgage loan approval is the lack of job security. A business can go to the wall, especially in these difficult financial times. But an employee does not have to worry about the same things, and are able to rely on their salaries more.
By providing the required documentation, it is possible to get the mortgage loan needed.
Criteria to Qualify
Because of the large percentage of the workforce that is self-employed, there are plenty of options open to that niche market. However, there is still a need to meet the necessary criteria to qualify for a mortgage loan for the self-employed. The criteria inevitably involves furnishing proof that the applicant has a business and that everything with it is fine.
The range of documentation is not that wide, but it is enough to ensure that everything is above board. Typical documents needed to secure mortgage loan approval include a business license, the business credit report and trading tax returns. With this information, lenders are able to ascertain just how secure the business is, and the level of debt the applicant already has on his plate.
Other proof required is that the income is reliable, that the applicant has been self-employed for at least 3 years, has no recent bankruptcies or foreclosures in the credit report, and proof of a down payment. Once these are confirmed, the chances of securing a mortgage loan are improved considerably.
Knowing Your Limit
Budgeting is hugely important when it comes to mortgage loans for the self-employed. And so it is a good idea that your limit is known before the application is submitted. The first step is to find out your credit score, and to check what effect it will have on mortgage terms like interest to be charged and the percentage purchasing price offered.
Efforts to secure mortgage loan approval may be extensive when going into this level of detail, however, the effort is certainly worth it. If the bad credit score is between 620 and 650, it will probably mean getting 65% the purchasing price. This means a down payment of 35%, or a second mortgage of that amount, is needed to push the purchase through.
Knowing what terms are around the corner allows the applicant time to put things in order before making the mortgage loan application. For example, improving the credit score to 680 could see 75% of the purchase price provided, or an excellent 700 ensuring an 90% financing deal.
Finding A Lender
Different lenders offer different deals, so finding a lender that offers a mortgage loan for the self-employed that has low interest rates and good repayment terms can require some searching.
Efforts to secure mortgage loan approval generally involve making concessions, but that is not to say that any terms should be accepted. A basic decisions is to choose between fixed rate and variable rate mortgages. A good lender will be able to advise properly on which is the most suitable option given your circumstances.
It is also worth considering options like a shorter term (15 years), or a mixed variable and fixed rate deal. Whatever the options, however, make sure it fits your mortgage loan budget, otherwise it could spell financial disaster.
Sunday, April 22, 2012
Another Trick To Reduce Your Monthly Mortgage Payment Without Cost- Mip, Pmi, Va Funding, Fha Fees
Most people don't realize there are so many ways you can reduce your monthly mortgage payment effectively and quickly. However, most of the methods require good credit and credit score.
Most mortgage loans contain escrow (which is taxes and insurance) and Private Mortgage Insurance (PMI) or MIP (Mortgage Insurance Premium).
Drop your PMI or MIP and some excess mortgage fees
The rules are tougher to get people who are in the bind - get out.
What to do with PMI?
Over 75% of the mortgage loans that are 4 years or newer have less than 10% equity, because you borrowed and borrowed against your single most important investment (your HOME).
However, if you are not over borrowed on your PRIMARY resident, then please look at the information below:
PMI-banks. Show an appraisal that your owe or borrowing less than 80% of the value of the home/property, PMI/MIP would be waived. The rule is now changed. Need a certified appraisal from lenders list of appraisal. 20 % reduction from the original loan amount. Now, some may also have contracts that may say the principal must be less than 20% of the loan amount. I believe this is ridiculous.
MIP is a fee of almost a little over 3.50% (if FHA). MIP is to protect the bank's interest also. It cannot be waived BUT, if you sell within the first 5 years - ask to be reimburse (at least a portion). There is no way of getting it waived even if a person claims disability. It is for the life of the loan. Because of the foreclosures, the FHA also added 2% additional to MIP insurance which is good for 7 years or 1% for the life of the loan. So you will actually see a decrease after 7 years. If the property is sold within the first 7 years, the MIP is prorated and seller can ask for the reimbursement of a portion. 2% within the first 5-7 years and the rest for the life of the loan.
PMI or MIP is 10% for conventional loan of your monthly mortgage payments. It varies between the loan type, the down payment, how does the credit report/score looked when the loan was initiated, processed and closed, and debt to income at the time loan was processed. So, as you can see, there are a lot of factors involved. If you are borrowing more than 80% of the property value securing the loan (involved in the loan), then you have PMI added to your mortgage payments. This portion of your monthly payment has no effect on your mortgage loan, insurance and does not benefit you at all. This is a CLEAR CASH money to the lender at your expense.
Va funding fee is 2.25% of loan bal. financed over 30 years and can't get reimbursed. If 40% or more disabled, then it is reduced and possibly waived. Retired gets discount but active duty does not get discount.
Your Credit = Your Life, Fix It Now! talked about all these and gave you ideas. I suggest you read that.
If your loan amount (principal amount you owe) to value (what your home worth now) is less than 80% or 75% (again depending on lenders), insist that your lender drop the PMI from your monthly mortgage payments IMMEDIATELY. Do NOT rely on the lender to do this in good faith or even make the suggestion to you. You need to insist and push the lender. The cheapest, quickest and simplest way to learn if your property worth over 20 or 25% of the principal amount, call the county or parish Tax Assessors office and ask them about some of the recent real estate sales in your area (called competitive sales-Comp.). In fact Real Estate agents and brokers can do this as well (at no cost to you); as long as they think you may be interested in listing your house for sale with them. The real estate sales within your 2 miles area and in the past one year should give you a clear indication of how much your property may value. However, you must understand there are several rules.
1. Real estate Rule one, two and three. Location, Location, Location. This means no-one should compare a property of a better subdivision with a property of a lower subdivision. If your property is in a subdivision with lower standards, it requires a recent appraisal (lender decides who performs the appraisal).
4. Most lenders require you to pay for the appraisal cost. It worth it. In two or three months, you will make up for that fee when you are released from paying PMI.
Best of Luck
Mike Samadi
I though you might like this.
Subject: Rare birds
A guy is caught by a ranger eating a bald eagle and is consequently put in jail for the crime. On the day of his trial, the conversation went something like this:
Judge: "Do you know that eating a bald eagle is a federal offense?"
Man: "Yes I did. But if you let me argue my case, I'll explain what happened."
Judge: "Proceed."
Man: "I got lost in the woods. I hadn't had anything to eat for two weeks. I was so hungry. Next thing I see is a Bald Eagle swooping down at the lake for some fish. I knew that if I followed the Eagle I could maybe steal the fish. Unfortunately, in the process of taking the fish I killed the Eagle. I figured that since I killed the Eagle I might as well eat it since it would be more disgraceful to let it rot on the ground."
Judge: "The court will take a recess while we analyze your testimony."
15 minutes goes by and the judge returns.
Judge: "Due to the extreme circumstance you were under and because you didn't intend to kill the Eagle, the court will dismiss the charges. But if you don't mind the court asking, what does a Bald Eagle taste like?"
Man: "Well your honor, it is hard to explain. The best I can describe it is maybe a combination between a California Condor and a Spotted Owl."
Most mortgage loans contain escrow (which is taxes and insurance) and Private Mortgage Insurance (PMI) or MIP (Mortgage Insurance Premium).
Drop your PMI or MIP and some excess mortgage fees
The rules are tougher to get people who are in the bind - get out.
What to do with PMI?
Over 75% of the mortgage loans that are 4 years or newer have less than 10% equity, because you borrowed and borrowed against your single most important investment (your HOME).
However, if you are not over borrowed on your PRIMARY resident, then please look at the information below:
PMI-banks. Show an appraisal that your owe or borrowing less than 80% of the value of the home/property, PMI/MIP would be waived. The rule is now changed. Need a certified appraisal from lenders list of appraisal. 20 % reduction from the original loan amount. Now, some may also have contracts that may say the principal must be less than 20% of the loan amount. I believe this is ridiculous.
MIP is a fee of almost a little over 3.50% (if FHA). MIP is to protect the bank's interest also. It cannot be waived BUT, if you sell within the first 5 years - ask to be reimburse (at least a portion). There is no way of getting it waived even if a person claims disability. It is for the life of the loan. Because of the foreclosures, the FHA also added 2% additional to MIP insurance which is good for 7 years or 1% for the life of the loan. So you will actually see a decrease after 7 years. If the property is sold within the first 7 years, the MIP is prorated and seller can ask for the reimbursement of a portion. 2% within the first 5-7 years and the rest for the life of the loan.
PMI or MIP is 10% for conventional loan of your monthly mortgage payments. It varies between the loan type, the down payment, how does the credit report/score looked when the loan was initiated, processed and closed, and debt to income at the time loan was processed. So, as you can see, there are a lot of factors involved. If you are borrowing more than 80% of the property value securing the loan (involved in the loan), then you have PMI added to your mortgage payments. This portion of your monthly payment has no effect on your mortgage loan, insurance and does not benefit you at all. This is a CLEAR CASH money to the lender at your expense.
Va funding fee is 2.25% of loan bal. financed over 30 years and can't get reimbursed. If 40% or more disabled, then it is reduced and possibly waived. Retired gets discount but active duty does not get discount.
Your Credit = Your Life, Fix It Now! talked about all these and gave you ideas. I suggest you read that.
If your loan amount (principal amount you owe) to value (what your home worth now) is less than 80% or 75% (again depending on lenders), insist that your lender drop the PMI from your monthly mortgage payments IMMEDIATELY. Do NOT rely on the lender to do this in good faith or even make the suggestion to you. You need to insist and push the lender. The cheapest, quickest and simplest way to learn if your property worth over 20 or 25% of the principal amount, call the county or parish Tax Assessors office and ask them about some of the recent real estate sales in your area (called competitive sales-Comp.). In fact Real Estate agents and brokers can do this as well (at no cost to you); as long as they think you may be interested in listing your house for sale with them. The real estate sales within your 2 miles area and in the past one year should give you a clear indication of how much your property may value. However, you must understand there are several rules.
1. Real estate Rule one, two and three. Location, Location, Location. This means no-one should compare a property of a better subdivision with a property of a lower subdivision. If your property is in a subdivision with lower standards, it requires a recent appraisal (lender decides who performs the appraisal).
4. Most lenders require you to pay for the appraisal cost. It worth it. In two or three months, you will make up for that fee when you are released from paying PMI.
Best of Luck
Mike Samadi
I though you might like this.
Subject: Rare birds
A guy is caught by a ranger eating a bald eagle and is consequently put in jail for the crime. On the day of his trial, the conversation went something like this:
Judge: "Do you know that eating a bald eagle is a federal offense?"
Man: "Yes I did. But if you let me argue my case, I'll explain what happened."
Judge: "Proceed."
Man: "I got lost in the woods. I hadn't had anything to eat for two weeks. I was so hungry. Next thing I see is a Bald Eagle swooping down at the lake for some fish. I knew that if I followed the Eagle I could maybe steal the fish. Unfortunately, in the process of taking the fish I killed the Eagle. I figured that since I killed the Eagle I might as well eat it since it would be more disgraceful to let it rot on the ground."
Judge: "The court will take a recess while we analyze your testimony."
15 minutes goes by and the judge returns.
Judge: "Due to the extreme circumstance you were under and because you didn't intend to kill the Eagle, the court will dismiss the charges. But if you don't mind the court asking, what does a Bald Eagle taste like?"
Man: "Well your honor, it is hard to explain. The best I can describe it is maybe a combination between a California Condor and a Spotted Owl."
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