How Easy it is to Qualify for FHA Loan Offers

How does one really qualify for FHA loan offers? It has become such a pain for me to try and get a housing loan. You see, it was a very long story but it all happened or rather started last year.

I was single and living at a boarding house four years after graduating from college. But then these living conditions were going to have to change because I was planning on proposing to my long time girl friend of five years. We both met during college and were madly in love ever since. I figured that all I needed right now was a house because I was promoted last year and had my salary increased by a few significant digits. My savings seemed good enough and I really wanted to settle down with Selma for quite some time now and to start a family of our own. I was 27 and old enough for it anyway. But then, something would dampen my plans.


FHA program

The economic crash happened. The United States recession has really crippled the architectural industry. I was not let go but my salary has been cut down. And also, I had a few credit card payment misses and so my FICO score was affected. Now, we have already set the date and had already paid for a lot of the wedding expenses so we didn’t want to delay anymore. But the problem is, we won’t have a house to move to yet since I was really having so much trouble getting my housing loans applications accepted. They would not touch me since my FICO score was less than perfect and my income was not that high.

Thank god for the FHA. I then found out that even with my financial condition, I was good enough to qualify for FHA loan offers. I immediately applied and now we have a beautiful home. What’s great too is that the payments are low and so are the interest rates. You cannot beat that.

Call Center Outsourcing: Do you Have What It Takes?

Call center outsourcing has become so popular in the Philippines right now. So many call centers have sprouted up everywhere. One can find call centers in almost every city and not just one call center but a whole lot of them. This is especially incredible and has truly rivaled India as the number one call center location for the global competition. There are call centers everywhere in Manila, concentrated but not limited to both Ortigas and Makati. There are also call centers in Alabang, Baguio, Bacolod, Iloilo, Cebu, Zamboanga, Davao, and virtually everywhere that’s a city.

So, as a Filipino employee, do you think you have just what it takes to join the elite team of call center agents in all these call center outsourcing location in the country that is not just known for quantity (like India) but is renown for quality. Well you may think that you have just what it takes, but first browse through this list to see if you really have it.


call center outsourcing

A call center agent has to be English proficient. But this does not mean just plain being able to speak straight English, it also entails the ability to have a neutral or an American accent. It also means that one needs to have perfect grammar and the innate knowledge of the many idioms that are usually used in speech by American clients. This may be hard at first but really, if you, like almost all Filipinos, love to watch American movies, television shows, and music, then this should not be much of a problems.

The second most important thing is that one needs to be able to handle customer management. This includes both the ability to absorb the customer’s query at once and also the ability to remain calm, collected, and sharp in trouble shooting or processing the demands and queries. That is what you need to even consider joining a call center outsourcing company.

My Life as an Agent in a Major Call Center in the Philippines

I have been in the so-called “sunshine industry” for a little over a year now and I must say that life as an agent in a major call center in the Philippines is not all about flowers and sunshine.



Working in this industry means work. Being proficient in English is not enough for you to climb the corporate ladder or be retained in the company. Since the Human Resource Department head always assesses and evaluates our performance, it is a must for us agents to push our efforts every time. We have to give our best every day at work and satisfy our clients. Work is not all fun and games, but to tell you frankly, all the people I have spoken with in my company are happy with the work and service we do. Maybe it’s because of the fact that we feel accountable for the growth of the company. After all, we represent the Philippines in this competitive industry so it is just right for us to represent our country well enough through our skills.

call center Philippines

Despite the tedious work and the crazy shift we have, we do not feel that much stressed with the work that we do because our company offers a lot of activities for us to not be bogged down by stress. We have free dance lessons, voice lessons, outings every month, and lots of bonding activities to nurture our relationship and love for the job. Instead of forcing us to love our jobs, they are finding ways for us to enjoy our team because according to our HR head, the strongest factor that would drive you to do your job well and stay in a company is when you are in good working relations with the people in the company. It is working so far because we are all enjoying our work here in a call center in the Philippines. This enjoyment translates into good output we give our clients. In the end, everybody benefits.