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		<li style="width:120px; " ><a href="index.html" >HOME</a></li>
		<li style="width:124px; " ><a href="about.html" >ABOUT RON</a></li>
		<li style="width:224px; " ><a href="application.html" >MORTGAGE APPLICATION</a></li>
		<li style="width:150px; " ><a href="#" >RESOURCES</a>
			<ul class="navigation-2" >
				<li><a href="calculators.html" >Mortgage Calculators</a></li>
				<li><a href="tips.html" >Mortgage Tips</a></li>
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		<li style="width:132px; " ><a href="mailto:ron@wisemortgage.com" title="Item 4" >CONTACT</a></li>	
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<h2>Mortgage Tips:</h2>

<ul style="color:#0C5596; width:245px; position:absolute; left:0; top:130px; " >
<li style="" > <a href="capital.html" target="tips" >Capital</a> </li>
<li style="" > <a href="collateral.html" target="tips" >Collateral</a> </li>
<li> <a href="credithistory.html" target="tips" >Credit History</a> </li>
<li> <a href="preapps.html" target="tips" >Value of Pre-Approvals</a> </li>
<li> <a href="renewals.html" target="tips" >Mortgage Renewals</a> </li>
<li> <a href="whyuse.html" target="tips" >Why Use a Mortgage Broker</a> </li>
<li> <a href="whatisprocess.html" target="tips" >What is the Mortgage Process</a> </li>
<li> <a href="whatisbroker.html" target="tips" >What Is a Mortgage Broker</a> </li>
<li> <a href="rebuild.html" target="tips" >How To Rebuild Your Credit</a> </li>
<li> <a href="selfemployed.html" target="tips" >Tips For The Self Employed</a> </li>
<li> <a href="savingmoney.html" target="tips" >Saving Money On Your Mortgage</a> </li>
<li> <a href="refinancing.html" target="tips" >Refinancing Your Current Mortgage</a> </li>
<li> <a href="appraised.html" target="tips" >Getting Your House Appraised</a> </li>
<li> <a href="fixedvariable.html" target="tips" >Fixed vs Variable Rates</a> </li>
<li> <a href="dsr.html" target="tips" >Debt Service Ratio</a> </li>
<li> <a href="judge.html" target="tips" >Lenders Judge Character</a> </li>
<li> <a href="qualify.html" target="tips" >How To Qualify for a Mortgage</a> </li>
<li> <a href="products.html" target="tips" >Mortgage Products</a> </li>
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<blockquote style="position:absolute; left:-40px; top:36px; width:280px; height:100px; " >You can spend months to find the truth about Mortgages or you can choose a subject from the list below and learn from someone else's efforts. Call Ron, if you have a question that isn't answered here.</blockquote></div>

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