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Qualified Mortgage Guidelines Haven’t Lowered Risk

first_imgHome / Daily Dose / Qualified Mortgage Guidelines Haven’t Lowered Risk The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago February 24, 2014 651 Views The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Share Save Tagged with: American Enterprise Institute CFPB Mortgage Risk Sign up for DS News Daily Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Previous: Black Knight’s Home Price Index Shows Increase Next: DS News Webcast: Tuesday 2/25/2014 Data Provider Black Knight to Acquire Top of Mind 2 days agocenter_img Subscribe Related Articles  Print This Post American Enterprise Institute CFPB Mortgage Risk 2014-02-24 Tory Barringer Last month’s implementation of the Consumer Financial Protection Bureau’s (CFPB) qualified mortgage (QM) guidelines did little to stem the rise of mortgage risk across the nation, according to the latest from the American Enterprise Institute (AEI).The group’s National Mortgage Risk Index (NMRI), a measure of loan performance under stressful economic conditions, increased to a reading of 11.8 percent in January from 10.6 percent at the end of 2013.The index saw the greatest lift from a rise in the share of purchase loans backed by the government, which was up to 33 percent. The stressed default rate among those loans increased to 23.7 percent. Isolating only loans backed by the Federal Housing Administration (FHA), the default rate was 24.4 percent.Among loans sold to Fannie Mae and Freddie Mac, the stressed default rate was 5.8 percent; an index value of 6 or lower is “indicative of conditions conducive to a stable market,” AEI said.In addition to FHA’s elevated presence in the market, AEI fellow and index co-creator Edward Pinto linked last month’s increase in risk to reports of lenders loosening credit standards—including the revelation that Wells Fargo has dipped its toes back into subprime waters.”What’s really going on here is that means they’ve lowered the floor on their FHA lending … again, I believe responding to political pressure from HUD and FHA,” Pinto said in a press call.AEI also released for the first its State-Level Mortgage Risk Index (SMRI), which showed Mississippi topping the ranks in terms of stressed default risk with an index score above 15 percent. Louisiana followed with a reading near 14 percent, while a number of states ranged between 12-13 percent.Most of those high-ranking states also have the highest concentration of government-insured mortgages.”In Mississippi, half the loans that were originated in this three-month period were FHA loans,” remarked Stephen Oliner, resident scholar for AEI and the other creative mind behind the index.Hawaii was the least risky state last month, though its own index still came in above AEI’s “safe” level of 6 percent.Compared to December, only three states experienced a decline in default risk: Hawaii, Arkansas, and North Dakota. South Dakota remained more or less flat from where it was, while every other state saw their respective indexes climb.”It’s clear that the national pattern we see is very, very widespread across the country,” Oliner said. in Daily Dose, Featured, Government, Headlines, News Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago Qualified Mortgage Guidelines Haven’t Lowered Risk The Week Ahead: Nearing the Forbearance Exit 2 days agolast_img read more

Agent investigated by ASA over use of Rightmove Intel data

first_imgThe potential dangers of using market comparisons tool data incorrectly in local marketing campaigns were highlighted by the Advertising Standards Authority (ASA) today following a complaint to it about Bolton-based Harrisons Estate Agent.A competitor, Miller Metcalfe, complained to the ASA about a leaflet distributed by Harrisons that urged potential customers to “join the fastest growing estate agent in Bolton” and that it was “first out of 79 agents… our results speak for themselves”.The leaflet also included a pie chart showing Harrisons’ market share compared to other agents accompanied by text saying “sales agreed report” alongside a list of local postcodes.This will all be familiar fare to any agent who uses the Rightmove Intel tool and its Market Share Reports, which come with a strict ‘user guidelines’ manual for agents using data taken from the tool in marketing activity.This, among many points, stipulates that “report results are subject to the geographical context and property criteria which have been defined by the user, and as such this must be clearly referenced alongside any use of the data” and that data should be used in a “professional manner”.Harrisons appears to have stuck to the guidelines except in one element, it was claimed by Miller Metcalfe, which believed that the data referred to in the ad was “out of date”.“We contacted the advertiser who informed us the claims were based on Rightmove data that is valid for 90 days,” says an ASA spokesperson. “They also informed us the 90 days were now up and the claims had been amended in their new advertising.“Because we understood the problematic claims were no longer appearing, we considered no further action was necessary and closed the case on an informal basis.”    harrisons estate agent advertising standards authority rightmove intel bolton October 19, 2016Nigel LewisWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021 Hong Kong remains most expensive city to rent with London in 4th place30th April 2021 Home » News » Marketing » Agent investigated by ASA over use of Rightmove Intel data previous nextMarketingAgent investigated by ASA over use of Rightmove Intel dataComplaint by rival is sorted out informally, but highlights potential pitfalls of using comparison data19th October 201601,208 Viewslast_img read more

NFL players come to Mendoza program

first_imgThis weekend, 23 players from the National Football League (NFL) will travel to Notre Dame to participate in the NFL “Investment for Impact” program at the Mendoza College of Business. Paul Slaggert, director of Non-Degree Programs in the Mendoza College of Business, said players will gain basic business understanding to be able to make smart investments. “We plan to teach the idea of financial literacy and basic understanding of budget,” Slaggert said.  “Brady talked about the importance of building a successful portfolio being financially literate.” The program, developed by former Irish football players Brady Quinn and Jeff Faine, will work to prepare current and former NFL players with the ability to make smart investments. According to an NFL Communications press release, attendees qualify if they demonstrate an interest in business, complete an assigned essay and had NFL playing experience.  Prominent participants include former Pittsburgh Steelers quarterback Charlie Batch and current Minnesota Viking safety Harrison Smith. “I’m proud to have had a hand in bringing “Investment for Impact” to my alma mater and assisting in forming a partnership between Notre Dame and the NFL for the continuing education of professional in forming a partnership between Notre Dame and the NFL for the continuing education of professional athletes,” Faine said in the press release. The program will consist of keynote speakers and panel discussions from academic experts and corporate executives, the release stated.  Former NFL players with successful entrepreneurial backgrounds will also speak, including Warrick Dunn and Rick Mirer. Slaggert said the program’s location at Notre Dame presents opportunities to leverage unique activities adding a Notre Dame perspective to the program.  Attendees will also have the opportunity to attend the Notre Dame “Venture Fair” and the McCloskey Business Planning Competition, he said. The Venture Fair will consist of some 45 different booths pitching ideas to successful entrepreneurs and investors. Slaggert said this business understanding is integral to being a successful entrepreneur.   “Basic financial understanding is foundational to what one wants to do in order to ask someone to invest in a business,” Slaggert said.  “We want to teach them what it means to be a social entrepreneur.” Social entrepreneurship includes starting a private foundation or investing in a social enterprise, he said. One presentation will specifically highlight the advantages and disadvantages of each option. Quinn, who studied political science and finance at Notre Dame, said his unique perspective on the event combines firsthand NFL playing experience with a financial background. “The opportunity to play in the NFL has provided a platform to have in impact on our communities,” Quinn said in the press release.  “It is my hope that through the Notre Dame Entrepreneurial program, attendees may learn how to invest with an impact for the greater good.” Slaggert said the program’s theme sums up their goals. “The theme is “Investing for Impact,” [or] how can these players use their wealth in order to make a difference in the world,” Slaggert said. For participants whose occupation lasts just 3.5 years on average, being financially smart is critical to being secure for life. Contact Peter Durbin at [email protected]last_img read more

State wrestling brackets; WHS basketball teams prepare for final regular season week, and more

first_imgClearwater14121213—51 Wellington wrestlingJason Haydon at 160 and Taylon Lamkin at 195 have now gotten their brackets for the state tournament in Salina to be held Friday and Saturday at the Bicentennial Center.Both boys are No. 4 seeds going in which means they will battle the top seeded wrestlers from another regional.Haydon, a senior with a 20-5 record, will be battling Spencer Bird, a junior from Lindsborg-Smoky Valley with a 36-5 record. Tournament brackets can be found on the KSHSAA.org website. Haydon, making his third appearance in the state tournament, will battle either the winner or loser of Tyler Harris (27-4) of Atchison or Zack Roark (17-7) of Columbus in the second round.Taylon Lamkin, a junior, at 21-16 will be making his first performance in the state tournament. He will be wrestling Gavin Houser, a senior from Columbus who is 28-9 in the first round.Lamkin will either wrestle the winner or loser of Tyler Peterson of Lindsborg-Smoky Valley (36-4) or Zak Carter of Baldwin (21-14) in the second round.Both boys qualified after two grueling days at the Class 4A Regional in Augusta Friday and Saturday.Haydon has been nursing a rib injury for much of the second half of the season. After wrestling in Augusta, the WHS coaching staff held him out for the rest of the regular season. Haydon then got the benefit of a bye in the first round before wrestling twice, going 2-0 for the weekend.In a measure of precaution, Haydon injury defaulted on matches he didn’t have to wrestle including the consolation finals. He qualified for state with a 7-4 decision over Chase Miller of Mulvane.Lamkin had a big tournament over the weekend. After getting off to a slow start, he was pinned by Derrick Gates of Andale. His chances looked slim of advancing with Colby Willis of Augusta looming. He was decisioned by Willis 3-1 in a league dual in Augusta in January.However, Lamkin would pin Willis at the 3:58 mark. He then pinned Manny Martinez of El Dorado at the 1:35 mark to qualify.Lamkin becomes the first Wellington non-Jason Haydon wrestler to get to state since Dray Meridith in 2011. by Tracy McCue, Sumner Newscow — The Kansas State High School Activities Association released the wrestling brackets for the Class 4A state tournament which has two Wellington wrestlers participating. The Wellington High School varsity basketball teams try to recover from Friday night’s losses, and Sumner County teams embark on their final regular season week while awaiting sub-state pairings…. Clearwater: R. VanDeest 16, J. Becker 11, C. Frickey 9, H. Hall 5, C. Reibenspies 3, D. Roth 3, C. Neises 3, D. Rausch 1Wellington: T. Nance 11, B. Miles 6, N. Wolff 5, L. Woodbridge 4, E. Carroll 4, A. Dunn 4, J. Albright 3, C. Reichenberger 2, B. Peck 2On the girls side, Wellington fell to 11-7 with a frustrating 50-38 loss to Clearwater. The two teams had split earlier in the season.Wellington never led in the game, falling behind 12-10 at the end of the first quarter and 23-15 at the half.Kailey Jenkins led Wellington with 12 points.Other scores from Wellington vs. Clearwater on Friday: JV boys: Wellington 42 Clearwater 33Scoring for Wellington: Phelps 2, Daugherty 8, Baker 5, Nance 4, Reichenberger 2, Dunn 14, Albright 4, Hunt 3.C boys: Wellington 53 Clearwater 36Phelps 14, Gilmore 6, Jones 4, Baker 5, Pettegrew 12, Hyde 6, Hunt 4, Lowe 2. JV girls: Wellington 52 Clearwater 23Holly Wright 11, Shelbie Wright 8, Avery Lewellen 6, Julia Peck 6, Tyanna Hughes 4, Carlie McComb 4, Maggie Fink 3, Kelsey Whaley 2, Jaedyn Ledesma 2, Shelby Hamel 2, Halynn Page 2, Dietra Sober 2.C girls: Wellington 43 Clearwater 9Kennedy Hackerott 7, Peyton Witham 7, Dietra Sober 6, Noelle Wright 6, Julia Pecke 6, Tyanna Hughes 4, Taylor Zimmerman 4, Shelby McNamara 2, Mariah Moore 1.Sumner County: Boys:Medicine Lodge 66 Belle Plaine 48Wichita Independent 69 Conway Springs 58South Haven 65 Cedar Vale Dexter 19Oxford 55 Flinthills 31Girls:Medicine Lodge 62 Belle Plaine 46Conway Springs 56 Independent 34Oxford 55 Flinthills 25Sedan 56 Argonia 43CV-Dexter 37 South Haven 36••••Sub-state basketball brackets will come out Wednesday. Wellington basketballThe Wellington basketball teams will be embarking on their final regular season week of the season. Both teams are in need of establishing momentum.The Wellington boys lost to Clearwater 51-41 and are currently on a six-game losing streak. They will travel to Augusta Tuesday and finish the regular season on Senior Night at home on Thursday against Circle.On Friday, Wellington was down 14-6 at the end of the first quarter and 26-13 at the half. After three quarters, Clearwater led 38-22.Trevor Nance led the Crusaders with 11. R. VanDeest of Clearwater led all scorers with 16. Wellington67919—41 Close Forgot password? Please put in your email: Send me my password! Close message Login This blog post All blog posts Subscribe to this blog post’s comments through… RSS Feed Subscribe via email Subscribe Subscribe to this blog’s comments through… RSS Feed Subscribe via email Subscribe Follow the discussion Comments Logging you in… Close Login to IntenseDebate Or create an account Username or Email: Password: Forgot login? Cancel Login Close WordPress.com Username or Email: Password: Lost your password? Cancel Login Dashboard | Edit profile | Logout Logged in as Admin Options Disable comments for this page Save Settings You are about to flag this comment as being inappropriate. Please explain why you are flagging this comment in the text box below and submit your report. The blog admin will be notified. Thank you for your input. There are no comments posted yet. Be the first one! Post a new comment Enter text right here! Comment as a Guest, or login: Login to IntenseDebate Login to WordPress.com Login to Twitter Go back Tweet this comment Connected as (Logout) Email (optional) Not displayed publicly. Name Email Website (optional) Displayed next to your comments. Not displayed publicly. If you have a website, link to it here. Posting anonymously. Tweet this comment Submit Comment Subscribe to None Replies All new comments Comments by IntenseDebate Enter text right here! Reply as a Guest, or login: Login to IntenseDebate Login to WordPress.com Login to Twitter Go back Tweet this comment Connected as (Logout) Email (optional) Not displayed publicly. Name Email Website (optional) Displayed next to your comments. Not displayed publicly. If you have a website, link to it here. Posting anonymously. Tweet this comment Cancel Submit Comment Subscribe to None Replies All new commentslast_img read more