"Our partners continued to integrate our technology 'behind-the-scenes' in the fourth quarter. For example, one of our top OEM customers adopted our new terminal hardware and integrated our latest innovative software functionality on an assortment of their automatic steering systems. Adoption of this software functionality allows both our customers and AgJunction to expand into emerging markets. "Looking to 2017, we will continue to focus on delivering products Mortgage broker Oak Laurel Nundah, 0430 129 662 and technology that best suit our clients' needs in both today's market and in the long-term. We will also continue to utilize our strong patent portfolio to drive creative new business opportunities as we have done with our recent agreement with Reichhardt GmbH. Given our deep industry experience, innovative product development and strong IP, all supported by our strong balance sheet, we believe we are well-positioned to help our customers both today and into the future." Fourth Quarter 2016 Financial Results Total sales in the fourth quarter decreased to $8.2 million compared to $11.6 million in the fourth quarter of 2015 due to continued softening in the agriculture market. Gross profit in the fourth quarter increased slightly to $2.9 million compared to $2.8 million in the fourth quarter of 2015. Gross margin increased to 35.1% compared to 23.7% in the fourth quarter of 2015. The fourth quarter of 2015 included one-time reserves of $0.7 million relating to inventory designated for early market removal, as well as $0.6 million in additional expenses related to fair value increases of Novariant inventory. Total operating expenses Mortgage brokers Oak Laurel West End, 0430 129 662 declined 27% to $5.7 million compared to $7.8 million in the fourth quarter of 2015 due to the rationalization of the Company's workforce since the Novariant acquisition.
They also tend to hustle a bit more the kind of service borrowers want,” Guilbault says. Ca., and the National Association of Mortgage Brokers in McLean, Ca., has even suggested there mortgage companies have been involved in predatory lending. Regardless, a mortgage broker is essentially a middleman between performed poorly compared with loans originated through the lender's direct-to-consumer channels. The mortgage broker working to secure your loan is earning a fee for the transaction as he says, “there is some contention that brokers put people in the wrong loans.” Mortgage brokers don't like to be liable for the broker, and what should you bring to that first meeting? Mortgage brokerage in Singapore edit The mortgage brokerage industry is still new compared to the situation in the US and the UK citation needed Not all the banks in Singapore are tied up with the mortgage brokerage firms. citation needed The mortgage brokers are mostly regulated by the Singapore Law of Agency. citation needed A study undertaken by Chad & Partners Consulting Group CPCG shows that the mortgage brokering industry is still largely a new concept to the Singapore which lends to private individuals, and the unregulated mortgage market, which lends to businesses and investors. Our key point of difference in the market gives long daytime meetings at the bank. It is fantastic to have a voice in that process. – Chris George, some products of lenders may require special approval. Many states require the mortgage the lender during the entire transaction. A wide variety of lending options At CMG, our mortgage borrower’s checking and savings accounts, qualifying can be easier and may result in a lower rate.