2nd Mortgage Statute Of Limitations

Usury; Unfair Trade Practices--second mortgage--usurious ...
Usury; Unfair Trade Practices--second mortgage--usurious origination fee--expiration of statute of limitations The trial court did not err by granting defendants’ motions to dismiss based on ... Return Document

LIENS AFFECTING REAL ESTATE: A CHECKLIST By: Richard F. Bales ...
LIENS AFFECTING REAL ESTATE: A CHECKLIST By: Richard F. Bales, Office Counsel, statute of limitations. A mortgage foreclosure must be commenced within 10 years 99 Ill.2nd 96, 457 N.E.2d 429 (1983), ... Access Full Source

ILLINOIS OFFICIAL REPORTS
ILLINOIS OFFICIAL REPORTS Appellate Court Fifth Third Mortgage Co. v. Foster, 2013 IL App (1st) 121361 Appellate Court Caption FIFTH THIRD MORTGAGE COMPANY, Plaintiff-Appellee, v. ... Read Here

Mortgage Banking/Consumer Finance Commentary
Mortgage Banking/Consumer Finance Commentary Massachusetts’ New Mortgage Payoff Chapter 63 also reduces the current 50-year statute of limitations in Massachusetts to enforce a mortgage A mortgage company or bank can be a Lender Party by virtue of its ... Read Full Source

Texas Debt Collection Laws - The National List Of Attorneys
Texas Debt Collection Laws . Submitted by M. H. Cersonsky of Cersonsky, Rosen & Garcia, P.C. There is a general statute of limitations on foreign judgments. Savings and Mortgage Lenders website at www.sml.texas.gov. 3. ... View Doc

DEPARTMENT OF REGULATORY AGENCIES MORTGAGE LOAN ORIGINATORS ...
Code of Colorado Regulations 1 DEPARTMENT OF REGULATORY AGENCIES Division of Real Estate MORTGAGE LOAN ORIGINATORS AND MORTGAGE COMPANIES 4 CCR 725-3 ... Document Retrieval

Court Grants Equitable Tolling Of Statute of Limitations T Of ...
STATUTE OF LIMITATIONS Court Grants Equitable Tolling of Statute of Limitations T In re: Citigroup ERISA Litigation, 09-3804-cv (2nd Cir. Oct. 19, 2011). Court Grants Equitable Tolling continued from page 52 Fiduciaries Have Presumption of Prudence ... Document Retrieval

Arizona Debt Collection Law - Govcollect.org
Arizona Debt Collection Law . Submitted by Stanley M. Hammerman, Esq., Hammerman & Hultgren, mortgage laws. In Arizona, bad check laws are governed by A.R.S. § 12671. This statute punishes the writer of a bad - ... Doc Retrieval

A Homeowner's Rights Under Foreclosure - Texas
Statute of Limitations Examining Foreclosure Procedures Notice of Sale Receivorship Status 1 2 3 5 4 6. 1 the mortgage servicer, if it still receives payments from the debtor. A Homeowner's Rights Under Foreclosure ... Retrieve Content

MARYLAND’S NEW “AUTOMATIC SUBORDINATION subordinated by the operation of the statute. 7. Will the First Mortgage be paid in full (and subsequently released of record)? If not, automatic subordination will not apply. ... Fetch Document

FINDER’S FEE ACTSTATUTE OF LIMITATIONS – – OTHER SPECIALTY (which is twelveyear statute of limitations), and thus is subject to CJP § 5- -101 Mortgage Corporation closed on the mortgage, and Carlsen paid NVR Mortgage a broker ... Document Viewer

MARITAL PROPERTY LIABILITIES: DISPELLING THE MYTH OF THE ...
Marital Property Liabilities: Dispelling the Myth of the Community Debt i TABLE OF CONTENTS running of the applicable statute of limitations for 12 months after death or the date a personal representative qualifies, which ever occurs first. ... View Full Source

Mortgage Financing
§ 3:1 Basic Mortgage Principles Mortgage financing is an integral part of most sales and purchases of real property. 1336 (Mass. 1984). A New York statute codifies the common-law rule, striking down any interest where the duration or vesting might take place ... Fetch Doc

Supreme Court Of The State Of New York Appellate Division ...
Six-year statute of limitations because it was commenced more than eight years after the mortgage was accelerated in 2005. In opposition, Wells Fargo, mortgage is subject to a six-year statute of limitations (see CPLR 213[4]; Yeshiva Chasdei Torah ... Content Retrieval

Prior Restraint - Wikipedia
Prior restraint (also referred to as ”The statute in question cannot be justified by reason of the fact that the publisher is permitted to show, before injunction issues, The Mortgage Specialists, Inc. v. Implode-Explode Heavy Industries, Inc., ... Read Article

Foreclosure Of Mortgages In Connecticut
And by statute, a mortgagee 256 fn. 11, 708 A.2d 1378 24a, that are a first mortgage against the property, by a judgment of foreclosure by market sale upon the written motion of the mortgagee, as defined in section 49-24a, and ... Read More

Truth In Lending Act
Adjustable Rate Mortgage Disclosures—12 CFR 1026.20 Statute of Limitations—TILA Sections 108, 129, 129B, 129C, and 130 procedures for the Truth in Lending Act (TILA) and Regulation Z, which implements TILA. ... Get Content Here

CALIFORNIA COURT OF APPEALS REINFORCES CIVIL CODE The ruling clarifies that the statute does not apply when the power of sale is In a mortgage, the lender holds and transfers title upon sale. In a deed of trust, ... Fetch Full Source

Usury - Wikipedia
Some members of Congress have tried to create a federal usury statute that would limit the maximum allowable interest rate, but the to Universal Otherhood', Benjamin Nelson, 2nd Edition, University of Chicago Press, Chicago and London, 1949, enlarged 2nd edition, 1969. 'Interest and ... Read Article

Illinois Debt Collection Laws And Procedures
Illinois Debt Collection Laws and Procedures . Submitted by Sam J. Fratantoni, Arthur B. Adler & Associates, Ltd. statute of limitations, while credit cards have now been determined to have a five year limitations period (Portfolio Acquisitions, LLC v. ... Get Document

Law Lesson No. 4: Statutes Of Limitation - YouTube
Jeff discusses the three issues that must be considered in the context of any statute of limitations question: the limitations period, accrual, and tolling. ... View Video

Introduction - David Zipp
Introduction This Guide contains Illinois civil statutes of limitation. Computation of Time Limitations 5 ILCS 70/1.11: Time-Computation filed within the period of the statute of limitations. Chandler v Illinois Central Railroad Co, 207 Ill 2d 331, ... View Doc

2nd Mortgage Settlement Offer Letter

Mortgage Assistance Guide - HUD/U.S.
Mortgage Settlement Principal Reduction/ Forbearance & Foreclosure Alternatives: Mortgage Assistance Guide 2012 Housing Counseling Services: All homeowners, a short sale, where the homeowner can offer ... View Doc

Frequently Asked Questions About The Ocwen settlement
May offer programs to avoid foreclosure and to assist delinquent borrowers. administrator will mail you a Notice Letter and Claim Form. If you choose to receive 2012 National Mortgage Settlement with the five largest banks, and the CFPB, ... View Doc

Title Alert 2012-20A November 29, 2012 HELOC Forgiveness ...
Title Alert 2012-20A November 29, 2012 HELOC Forgiveness Letters settlement with major mortgage servicers, including [Name of Bank], N.A. Your acceptance of this offer is automatic unless we hear from you. ... Get Content Here

HAFA - DIL Agreement - HMPadmin.com
Additionally, this letter constitutes an agreement between us and you The proposed transaction represents our attempt to reach a settlement of the delinquent mortgage. HAFA - DIL Agreement ... View Document

Sample Hardship Letter Provided By The National Consumer Law ...
Sample Hardship Letter Provided by the National Consumer Law Center (for illustration only; you must compose your own letter; this is only to show you what one might look like) mortgage payments back on track with an affordable mortgage. ... Get Document

Civil-sample-letters.doc - Legal Aid NSW
Sample letter: Financial hardship | credit law 3. Sample letter: Financial hardship Relieving Mortgage Stress Settlement Offer. My client wishes to offer to settle this dispute on the following basis: ... Read Content

Green Tree Servicing LLC Co-Borrower Name
O st1 Mortgage Information Worksheet, including Authorization to o Your customer hardship letter ***TYPED*** o Statements for all asset accounts disclosed in the Customer Financial Worksheet o (circle one): Settlement Short Sale . Amount of settlement / short sale (if ... Retrieve Here

VP Of Operations, This Communication Is From A Debt Collector ...
This letter is not an attempt to collect a We are currently willing to accept a single payment of $2,735.00 as settlement on the above balance owed of $18,201.73 with no future liability. This offer is good until end of business 06/27/2014 and void thereafter. ... Read Content

Brian Mulroney - Wikipedia
Brian Mulroney PC CC GOQ; 18th Prime Minister of Canada; In office September 17, 1984 – June winning a generous settlement for the affected workers. Under his leadership, the company was sold off to foreign Mulroney sent a letter of condolence to then Indian Prime Minister Rajiv ... Read Article

CitiMortgage Home Affordable Foreclosure Alternative (HAFA ...
CitiMortgage Home Affordable Foreclosure Alternative (HAFA) Matrix The mortgage loan is a first lien mortgage originated on or before January 1, settlement agent and/or lien holders to clear title impediments. o ... Fetch Content

Public Housing - Wikipedia
The originally socialist idea was promoted by some French employers in the 2nd half of the 19th century. Public housing companies the government introduced the Option Mortgage Scheme which fostered early organised European settlement in New Zealand constructed immigration barracks ... Read Article

Short Sale Guide - Wells Fargo
Short sale guide Your guide to the Wells Fargo Short Sale Process. 2 of 9 it’s when the property is placed for sale and the lender agrees to accept an offer for an amount less than the Home Mortgage at settlement. ... Access Content

World Global Settlements: Bank Of America Debt ... - YouTube
Download or View The Bank of America Document Here: http://www.ascensionwithearth.com/201 ***** You are approved for a full principal forgiveness of your Home Equity Account. ... View Video

National Foreclosure Settlement - Home | Pennsylvania Legal ...
National Foreclosure Settlement . Robo-signing and the AG Settlement Jennifer Schultz, Esq. Elizabeth Goodell, UNDER THE NATIONAL MORTGAGE SETTLEMENT so servicers may be more likely to offer those types of modifications. ... Fetch Doc

Frequently Asked Questions CFPB’s TILA-RESPA Integrated ...
CFPB’s TILA-RESPA Integrated Disclosure (TRID) Rule second mortgage are brought over to Section L of the Closing Disclosure (CD) for the first The following sections in the Rule offer creditors guidance on how to complete the Loan ... Read Here

REQUIRED BORROWER DOCUMENT CHECKLIST - PrimeLending
All loans subject to credit approval. Rates and fees subject to change. Mortgage financing provided by PrimeLending, ͠ Completed copy of divorce decree / separation agreement / sale or refinance of property settlement agreement ͠ Retain a copy of your relocation offer letter ... Fetch Here

NATIONAL MORTGAGE SETTLEMENT I. IS YOUR SERVICER SUBJECT TO ...
NATIONAL MORTGAGE SETTLEMENT. I. IS YOUR SERVICER SUBJECT TO THE NATIONAL MORTGAGE SETTLEMENT? Other servicers may offer modification programs on their own. In addition, if you think your servicer is being unfair or deceptive, you can file a ... Visit Document

Robert Howe (Continental Army Officer) - Wikipedia
Robert Howe (1732 – December Gadsden responded to the perceived offense by drafting and circulating a letter attacking Howe's intelligence and ability as a commander and questioning Howe's He was again forced to mortgage his plantation but eventually received a monetary settlement from ... Read Article

DTPA UPDATE Consumer & Commercial Law Section Program
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PAYOFF STATEMENT FORM - Texas
PAYOFF STATEMENT FORM Name of Mortgage Servicer REQUEST DATE: Name of Representative Street or E-mail Address SENT BY: Mail E-mail ... Read Here

2nd Mortgage Settlement

USDA Home Loan - Wikipedia
A USDA Home Loan from the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, is a mortgage loan offered to rural property owners by the United States Department of Agriculture. USDA home loan vs traditional mortgage ... Read Article

Seller’s Estimated Settlement Costs Montgomery County ...
Principal Balance (2nd Mortgage) Seller’s Estimated Net (at Settlement) = $_____ SOME INFORMATION RELEVANT TO SETTLEMENT PROCEDURES In most cases, Escrow funds for future taxes and insurance will be refunded directly to you by your lender following loan ... Access This Document

Seller's Estimated Costs Worksheet Montgomery County ...
Seller's Estimated Costs Worksheet Montgomery County, Maryland and the District of Columbia (2nd Mortgage/Home Equity) Check with the Settlement Office for its procedures as to timing and method for disbursement of your ... Document Viewer

Section 1.26: Subordination Of SunTrust Second Mortgage Loans ...
The Subordination of SunTrust Second Mortgage Loans Policy provides guidelines for the subordination of eligible existing SunTrust Bank and SunTrust Mortgage, agreement is drafted by the closing attorney/settlement agent. ... View Doc

BofA Settlement Agreement - Attorney General Of California
Mortgage Now, Inc., which filed a complaint on or about June 7, 2012, under the qui tam provisions of the False Claims Act against Bank of America alleging inter alia, that Bank of BofA Settlement Agreement ... Doc Viewer

Bank Of America Gets Foreclosed On - YouTube
Standard YouTube License; Show more Show less. Loading 1st & 2nd Mortgage Held By Same Bank - Duration: 1:58. Ron LeGrand 184 views. Bank of America to pay nearly $17 billion in settlement - Duration: 4:22. CBS News 3,995 views. ... View Video

Deduction Interest Mortgage - Internal Revenue Service
Part II explains how your deduction for home mortgage interest may be limited. It contains Department of the Treasury Internal Revenue Service Publication 936 Cat. No. 10426G Home Mortgage Interest Deduction For use in preparing 2016 Returns ... Get Document

Garnishment - Wikipedia
Garnishment is an American legal process for collecting a monetary judgment on behalf of a plaintiff from a defendant. Garnishment allows the plaintiff (the "garnishor") to take the money or property of the debtor from the person or institution that holds that property ... Read Article

VP Of Operations, This Communication Is From A Debt Collector ...
Veripro Solutions Inc.(formerly known as NSM Recovery Services Inc.) is a Nationstar Mortgage LLC company. Veripro is Settlement of your debt obligations for less than the full amount may result in a taxable event to you. Please consult your tax advisor." ... Return Document

Consumer Handbook On Adjustable-Rate Mortgages
4 | Consumer Handbook on Adjustable-Rate Mortgages What is an ARM? An adjustable-rate mortgage diff ers from a fi xed-rate mortgage in many ways. ... Fetch Document

Section B. Property Ownership Requirements And Restrictions ...
Mortgage if the number of his/her legal dependents increases to the point that the present house no longer meets the family’s needs. The borrower must provide satisfactory evidence of the increase in dependents and the property’s failure to meet ... Content Retrieval

U.S. Bank Home Mortgage - Maryland
U.S. Bank Home Mortgage Review, purchase, securitize, days from the settlement date on the HUD-1 Settlement Statement. CDA Requirements – 2nd Mortgage DSELP Deed of Trust – Appraisal Title Binder, Policy (short form is acceptable too) If property is Leasehold- lender is ... Doc Viewer

TILA RESPA Integrated Disclosure (TRID) FAQs - Fannie Mae
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TCF Relationship Lending
TCF uses appraisal from the 1st mortgage loan, Borrower pays TCF loan origination charge of $295 and third party settlement charges. • Use the tri-merge mid-score from the primary wage earner. TCF Relationship Lending : Pricing & Product Guide * Primary Residences (owner occupied) ... View Doc

HAFA - DIL Agreement - HMPadmin.com
The proposed transaction represents our attempt to reach a settlement of the delinquent mortgage. You are choosing to enter into this Agreement even though there is no guarantee that the transaction will be successful. HAFA - DIL Agreement ... Fetch Content

New RESPA Rule FAQs
Settlement cost booklet If a borrower applies for a first and second mortgage before January 1, 2010 and the RESPA rule does not address preapprovals or the information required in relation to preapprovals. ... Content Retrieval

60 Second Premier Debt Help Review - YouTube
60 Second Premier Debt Help Review BestDebtCompanys.com. Loading Why Debt Consolidation and Debt Settlement Do NOT Work! - Duration: 1:45. Mel Thompson 4,107 views. Investment Property Loans and Mortgage Closing Costs with Caeli Ridge - Episode #56 - Duration: ... View Video

FAREWELL HUD-1? H TRID! What’s TRID?
Following the financial collapse in the mortgage and investment sectors in 2007-2009, it used by settlement agents in closing transactions involving a cash sale, home equity line of credit, reverse mortgage, ... Get Content Here

P2P PROGRAM Step By Step Process Related To DPA 2nd Mortgage ...
3 1. First Mortgage Closing Disclosure (T RID) 2. Settlement Statement / Closing Statement (HUD-1) 3. Applicant Certification 4. 2nd Promissory Note -Signed and Notarized ... Get Doc

TILA/RESPA Integrated Disclosures Rule - CMLA
TILA/RESPA Integrated Disclosure (TRID) Rule Ken Markison, Vice President, Regulatory Counsel, MBA Jerra H. Ryan, Vice President of Compliance, Cherry Creek Mortgage . Alex Karram, settlement will occur more than 60 days after the original LE was provided, ... Access Full Source

DEPARTMENT OF VETERANS AFFAIRS COMPROMISE SALE PROGRAM
DEPARTMENT OF VETERANS AFFAIRS . COMPROMISE SALE PROGRAM . 116 N. Jefferson Street . Roanoke, VA 24016 . WWW.VBA-ROANOKE.COM ... Read More

Bluegreen Corporation - Wikipedia
Bluegreen Corporation is an American private vacation ownership company title, mortgage and financial services available to other resort operators on a Resort legacy owners were given a single opportunity to convert their ownership into Bluegreen Vacations during 2nd quarter Final ... Read Article

2nd Mortgage Refinance Calculator

Frequently Asked Questions CFPB’s TILA-RESPA Integrated ...
CFPB’s TILA-RESPA Integrated Disclosure (TRID) Rule To use the index, click on a topic below to be taken to that topic location in the document. of the mortgage on the residential property is NOT for “personal, family or household ... View This Document

Standard TX Home Equity Construction Business Misc. Federal
PeirsonPatterson, LLP Mortgage Loan Disclosure Matrix for 10/3/2015 applications Disclosures Disclosures provided by PeirsonPatterson 1st Lien Purchase 1 - 4 Primary Residence & 2nd Home 1st Lien Refinance - No Cash Out 1 - 4 Primary Residence & 2nd Home Subordinate Lien Purchase 1 - 4 Primary ... Get Document

Pay Off Conventional Mortgage Early Calculator And Equity ...
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Bank Foreclosure Fraud "WHAT DOES A MORTGAGE NOTE ... - YouTube
Bank Foreclosure Fraud "WHAT DOES A MORTGAGE NOTE LOOK LIKE" -Trompe l'oeil DinSFLA. Loading Unsubscribe from DinSFLA? How to Sue Your Mortgage Lender, Reduce Your Principal Balance and Save Your Home - Duration: 7:01. suemortgagelender 24,435 views. ... View Video

Mortgage And Deed Taxes In Minnesota
House Research Department April 2002 Mortgage and Deed Taxes in Minnesota Page 3 Recodification. In 1999, the legislature recodified both the MRT and deed tax laws for ... Access Doc

European Central Bank - Wikipedia
The European Central Bank (ECB the ability of these states to borrow new money to further finance their budget deficits or to refinance existing unsustainable but government securities issued by European states would be acceptable collateral as would mortgage-backed securities and other ... Read Article

Are You Eligible For Mortgage Relief?
Are You Eligible for Mortgage Relief? OVERVIEW The National Mortgage Settlement will offer various forms of relief for Eligible underwater borrowers may have an opportunity to refinance loans at lower interest rates. Preliminary Checklist for Eligibility ... Doc Retrieval

Deduction Interest Mortgage - IRS Tax Forms
Part II explains how your deduction for home mortgage interest may be limited. It contains Department of the Treasury Internal Revenue Service Publication 936 Cat. No. 10426G Home Mortgage Interest Deduction For use in preparing 2016 Returns ... Fetch Content

First_mortgage.pdf - Pinellas County Government Home Page
The Housing Finance Authority of Pinellas County First-time Homebuyer Program ing cost assistance is available with the Home Key Plus 2nd Mortgage. This is a that is repayable when borrowers sell or refinance the property, satisfy the first mortgage, ... Return Document

Loan-to-value Ratio - Wikipedia
Combined Loan To Value Ratio (CLTV) $100,000 with a single mortgage of $50,000 has an LTV of 50%. A similar property with a value of $100,000 with a first mortgage of $50,000 and a second mortgage of $25,000 has an aggregate mortgage balance of $75,000. ... Read Article

What The New High Cost mortgage Protections Mean For Consumers
• A loan to refinance the mortgage on your home WHAT THE NEW HIGH-COST MORTGAGE PROTECTIONS ME AN FOR CONSUMERS, JANUARY 2013. Goodbye to troubling loan features . HOEPA also limits or bans some loan features for high-cost mortgages. ... View Full Source

Section B. Maximum Mortgage Amounts On No Cash Out/Cash Out ...
Section B. Maximum Mortgage Amounts on No Cash Out/Cash Out Refinance Transactions Overview In This Section This section contains the topics listed in the table below. Topic Topic Name See Page 1 No Cash Out Refinance Transactions With an Appraisal 3-B-2 ... Get Doc

PHFA Mortgage Programs At A Glance
PHFA Mortgage Programs At a Glance . HFA Preferred Risk Sharing. TM. Keystone Government. HFA Preferred. TM. Keystone Home Loan. Loan (K-Gov) & Streamline Refinance ... Read Document

Standard LTV on FHA first mortgage. the combined 1st and 2nd liens do not exceed the applicable FHA LTV and maximum mortgage limit for the area. FHA Refinance Comparison Matrix – FHA Secure Author: tgustafs Last modified by: h03266 Created Date: ... View Document

Section 2.08: Jumbo Solution Second Mortgage | 07/01/2016
Click here to access a blended rate calculator to help determine the benefit to the balance of the new refinance mortgage or $2,000. Note: Jumbo Solution Second Mortgage Reference: See Section 2.06: ... Read Here

Hard Money Loan - Wikipedia
The hard money loan mortgage market has greatly expanded since the 2009 mortgage crisis with the passing of the Dodd Frank Act. Because the primary basis for making a hard money loan is the liquidation value of the collateral backing the note, ... Read Article

Mortgage Modification Guide – when 1. st. Mortgage is previously modified . If your 1. st. Mortgage was previously modified under the Home Affordable Mortgage Program CitiMortgage 2nd Mortgage Modification Guide – when 1st mortgage is previously modified Subject: ... Read Content

Announcement 09-02 Updates To Multiple Mortgages To The Same ...
Mortgage being delivered to Fannie Mae is secured by an investment property or second home. The limitation on the number of mortgages currently being financed applies to the total number Limited Cash-Out Refinance 2-4 Unit 70/70/70% 720 ... Fetch This Document

Mortgage Keyword Spreadsheeet Vortex
___ 2nd mortgage ___ best refinance home loan ___ home improvement company ___ mortgage loan calculator ___ first time home buyer loan broker mortgage keyword, mortgage seo, mortgage keywords, keyword finder Description: ... Fetch Document

TCF Second Mortgage Worksheet
1st Mortgage Balance TCF Total Line Request Amount Disbursing at Refinance Stand Alone Property Type Single Family Residence Total Income Middle Score Co-Borrower Borrower Non-Purchase Total Line Allowed for LTV TCF HELOC WORKSHEET Use highest wage earner's Middle score for underwriting ... Fetch Doc

The Loan Officer’s Practical Guide To Residential Finance
Solving for X - Mortgage Math and the Financial Calculator Using a 1st and 2nd Mortgage to Solve Equity Problems The Loan Officer’s Practical Guide to Residential Finance ... View This Document

Www.ihda.org
Underwriting Information (New Refinance) Additional Per Diem Interest Loan Type (Current Mortgage) New Loan Amount Payoff of 1st Mortgage + (Purchase Money/Seasoned) 2nd Estimated Closing Costs plus prepaids Base LTV / Underwater Qualifier Mortgage Pay Down - Guide LTV ... View This Document

Uniform Underwriting And Transmittal Summary Interactive ...
FHA Fixed-Rate—Biweekly Payments Cash-Out Refinance Amount of Subordinate Financing VA Uniform Underwriting and Transmittal Summary When a mortgage is subject to a temporary interest ... View Document

CFPB’s Final Rule For Integrated Mortgage Disclosures
A New Era in Closings CFPB’s Final Rule for Integrated Mortgage Disclosures ... Access Content