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Just How Much Credit Risk Are the GSEs Transferring?

first_img Credit Risk Transfer Fannie Mae FHFA Freddie Mac GSE GSE Credit Risk Transfer Taxpayer Risk 2018-11-02 Krista Franks Brock About Author: Krista Franks Brock in Daily Dose, Featured, News, Secondary Market Tagged with: Credit Risk Transfer Fannie Mae FHFA Freddie Mac GSE GSE Credit Risk Transfer Taxpayer Risk Just How Much Credit Risk Are the GSEs Transferring? Krista Franks Brock is a professional writer and editor who has covered the mortgage banking and default servicing sectors since 2011. Previously, she served as managing editor of DS News and Southern Distinction, a regional lifestyle publication. Her work has appeared in a variety of print and online publications, including Consumers Digest, Dallas Style and Design, DS News and DSNews.com, MReport and theMReport.com. She holds degrees in journalism and art from the University of Georgia. Servicers Navigate the Post-Pandemic World 2 days ago Home / Daily Dose / Just How Much Credit Risk Are the GSEs Transferring? Sign up for DS News Daily The Week Ahead: Nearing the Forbearance Exit 2 days ago The Best Markets For Residential Property Investors 2 days ago Related Articles Share Save Data Provider Black Knight to Acquire Top of Mind 2 days ago Previous: Results, Remuneration, and Retribution Next: Homeowners Face Fewer Financial Hardships November 2, 2018 2,138 Views Subscribe Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Fannie Mae and Freddie Mac initiated credit risk transfer (CRT) programs in 2013 in order to shift some risk away from taxpayers and into the private market. Now, for the first time, they are revealing just how much risk is being transferred.While the Federal Housing Finance Agency (FHFA), the conservator of Fannie and Freddie, has reported on their credit risk programs in the past, their Credit Risk Transfer Progress Report released yesterday is the first to detail the percentage of acquisitions being covered through CRT and the amount of risk being transferred.Since 2013, the GSEs have transferred a portion of credit risk on around $2.5 trillion of unpaid principal balance (UPB). The total risk in force (RIF) is $81 billion, and the GSEs have transferred an additional $1.1 trillion in UPB to primary mortgage insurers.Fannie Mae has transferred about 3.0 percent of the risk on about $1.4 trillion in UPB since 2013, translating to or $42.5 billion in RIF. Freddie Mac has transferred 3.7 percent of the risk on $1.1 trillion in UPB, about $39 billion in total RIF since 2013. Debt issuances have accounted for the majority of RIF for both GSEs—61 percent for Fannie Mae and 71 percent for Freddie Mac.For the first half of 2018, the GSEs together transferred partial risk on $367 billion of UPB. RIF totaled $12 billion. Debt issuances made up 61 percent of RIF.Fannie Mae transferred risk on $179 billion in UPB with $5.9 billion total RIF, while at Freddie Mac the total was $188 billion of UPB with RIF totaling $6.2 billion.The amount of single-family loans targeted for credit risk transfers has grown each year since the CRT program began, starting at 41 percent in 2013 and climbing to 65 percent for 2017. For the first half of this year, the GSEs transferred 77 percent of credit risk on 85 percent of UPB in its single-family new acquisitions.“The amount of credit risk transferred should continue to increase as the Enterprises continue to innovate and experiment with different structures and attempt to expand the scope of their CRT programs to further reduce risk where economically sensible,” said Melvin L. Watt, Director of the FHFA.For multifamily loan acquisitions, the GSEs transferred credit risk on 94 percent of loan acquisitions in 2017, with Fannie Mae transferring risk on 28 percent and Freddie Mac transferring risk on 86 percent of acquisitions. The share of credit risk transfer on multifamily acquisitions has varied between 93 percent and 96 percent since 2013. Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago  Print This Post Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days agolast_img read more

CP15 Moves on to Colombia

first_img Authorities View post tag: americas View post tag: CP15 View post tag: Navy The joint military crew and various non-governmental organization (NGO) volunteers serving aboard the Military Sealift Command hospital ship USNS Comfort (T-AH 20) commenced humanitarian-civil assistance operations on July 8 in Colombia as part of Continuing Promise 2015 (CP-15).Colombia is the seventh mission stop during CP-15’s six-month deployment.Comfort’s last visit to Colombia was in 2011 where the ship anchored in the vicinity of Tumaco. Medical teams treated 4,832 patients, including 126 surgeries completed aboard Comfort.Comfort has completed mission stops in Belize, Guatemala, Jamaica, Nicaragua, Panama and El Salvador since deploying in April. Additional stops are planned for Dominica, Dominican Republic, Haiti, and Honduras.[mappress mapid=”16471″]Image: US Navy CP15 Moves on to Colombia July 13, 2015center_img View post tag: News by topic Back to overview,Home naval-today CP15 Moves on to Colombia View post tag: Colombia View post tag: Naval Share this articlelast_img read more

Can the Lika Walking Festival attract ten thousand walkers? It can, and everything starts with the first step

first_imgThis year, the host cities will be Gospić and Otočac, where they will walk on several routes of different intensities, which is why everyone can participate. September 10 is thus reserved for Gospić, where all registered “walkers” will master three trails 20+ 30+ and 10+ kilometers long, symbolically called Tesla. After that, on September 20, the event moves to Otočac on trails named Gacka, 30+ XNUMX+ and XNUMX+ kilometers long. Interesting and commendable synergy between the cities – Gospić and Otočac. And that this is not a utopia, says the fact that the Walking Festival is a unique sporting event in Croatia, and even after the first year it is recognized worldwide. Namely, in May, the Walking Festival began the process of joining the World Walking Federation (IML) and has the status of a candidate. This is the best proof that Croatia also follows world trends, and the ultimate goal is, like similar events in the world that have been held for many years, to gather tens of thousands of walkers. Festivals of this type are a big trend in the world, and in addition to popularity, they are also adorned with mass, because walking is an activity that is gaining more and more importance and professionalism. That is why some of the world’s festivals gather up to fifty thousand walkers.  There is no money, no sponsor support, no tourists, etc.… we can find a hundred reasons why something can’t be done, but the Walking Festival is a great reason to do it anyway. But in order for something to start and get support, it is necessary for the story to start proactively from the destination, which must be pulled and imposed, and not wait for a miracle, which will never happen by itself. The Walking Festival is a great example of the desire for positive change, they have found their niche, bravely moved forward, and with a smart development strategy would not be surprised if in three years the festival grows into an event that attracts thousands of visitors and tourists. With global tourism trends that only grow and will grow even more, from ecology, organic food, going for nature, active vacation, health awareness and movement, it is not difficult to see Lika positioning itself in this segment. Organic and home-made food from family farms, nature and fresh air, forests, domestic animals, cycling, walking, active holidays and of course Tesla and Plitvice Lakes as great tourist magnets. Also, Lika has already made excellent investments in accommodation facilities, such as the Plitvice Phenomenon, Plitvice Holiday Resort and Big Bear Camping Resort, and new ones have been announced, such as the construction of the luxury resort T nest – Tesla’s Nest, the famous hotelier Goran Strok . Photo: Walking Festival After an extremely successful first year, the second Croatian Walking Festival will be held in Lika in September.  Applications for the Walking Festival last until August 30.8.2019, XNUMX, and with the registration fee comes transport between the two cities, as well as official T-shirts, water and fruit. Find out more about the application as well as the Walking Festival HERE Last year, about five hundred walkers walked through Lika, and the organizers expect that this year the number will at least double. Yes, maybe small numbers at first, but everything starts from the first step, and about 2.000 nights expected by the organizers of this year’s edition are more than great numbers. I am sure that the walking festival could become a great motive for coming, and in addition to walking, of course there is also the tourist segment with eno and gastronomic offer and all other tourist facilities that Lika offers. Of course, it always takes some time for a festival to develop and become a motive for coming, from three to five years, but great foundations are there. And the first precondition and assumption for this to happen is the most difficult one – to move forward bravely, which is what they did in Lika. When we talk about market development, the easiest thing to say is not to or stick to the status quo. If you just pass the car “Plitvice Highway” from the road you can see the positive transformation and how a big shift has been made, from the offer of accommodation, restaurants to the offer of active tourism. Of course, the success and positive impact of the Plitvice Lakes National Park is not enough in itself, it is necessary to manage development wisely in order to become a recognizable brand, someone must deal with strategic and sustainable development. It is in this segment that I believe that Lika’s step forward is needed, that the long-term development strategy is precisely defined and that all these processes are cleverly guided step by step. Again, not every county or city alone, but as one clearly defined tourist region and brand. More on this topic soon… Can the Lika Walking Festival attract ten thousand walkers? It can, and everything starts with the first steplast_img read more

‘There’s warmth in humanity’: China reacts to Indonesian policeman singing ‘Jiayou Wuhan’

first_imgThe Chinese government has given a warm response to an Indonesian policeman who went viral on social media for singing the song “Jiayou, Wuhan” (Stay strong, Wuhan), saying it proves that “there’s warmth in humanity” as people across the world cheer for China to remain strong in the face of the coronavirus outbreak.Hans, a police officer of Sorolangun Police precinct in Jambi recently made the news in Indonesia after a video of him singing the song dedicated to encouraging people in Wuhan — the epicenter of the virus outbreak — made the rounds on social media, even gaining him international fame as he was interviewed by Chinese media.In a video uploaded to YouTube on Feb. 2 by a user identified as Navid, Hans was seen singing the song with another man on singing app Smule, where Hans goes by the username ucok_hans and the other man went by username NavidLie88. The YouTube video description read “Singing with an Indonesian policeman”. “The virus is cold but there’s warmth in humanity,” Hua said in a briefing on Thursday.”Let this friend from Indonesia know that the epidemic will pass one day, and when that day comes, we welcome all who support Wuhan and China to visit China, especially Wuhan,” she added.Indonesia recently evacuated 243 people – comprising 237 Indonesian nationals, including students, five Indonesian diplomats and a foreigner and the spouse of an Indonesian citizen – from cities in Hubei, including Wuhan, back to Indonesia to escape the fast-spreading virus.They are currently undergoing a two-week observation period under quarantine in Natuna, Riau Islands. The Health Ministry confirmed on Monday that they were all healthy and not showing symptoms of coronavirus infection.”I am glad to hear that the Indonesian students are in good condition, and when the epidemic is over, they are welcome to return and resume their studies and life in China,” Hua said.As of Friday, the death toll from the coronavirus hit 636, with Chinese authorities confirming that more than 30,000 people on the mainland had been infected, AFP reported. The far-flung virus has spread to more than 20 countries, with two deaths confirmed in the Philippines and Hong Kong. (afr)Topics : An Indonesian-language Chinese media outlet later interviewed Hans, during which the policeman shared a bit about himself and said that although he had never been to China himself, he could sing several songs in Chinese. He also sang the “Jiayuou Wuhan” song during the interview, Antara reported.”To my friends in Wuhan, we always pray for and support you and hope that the [coronavirus] outbreak will soon end,” Hans said after singing the song.In response to the viral video, China’s Foreign Ministry spokesperson Hua Chunying said that during such a difficult time caused by the outbreak, the Chinese government acknowledged that Wuhan and China “is cheered on through social media by so many lovely people from all corners of the world.”last_img read more

Women’s Super50 hailed a success

first_imgKINGSTON, St Vincent – The recently completed Women’s Regional Super50 tournament has been hailed as a tremendous success by president of the St Vincent Cricket Association, Kishore Shallow.The newly installed director of the West Indies Cricket Board (WICB) spearheaded the hosting of the event in St Vincent. The tournament final was played on Sunday (April 30) and Trinidad and Tobago came out as the victors.According to Shallow the most disciplined team in the tournament deserved to win the title. “At the end of it, the most disciplined and organised team won the title. Congrats to Trinidad and Tobago!”He was also high in praise of the standard of cricket played during the tournament. “It was indeed a successful tournament. The ladies exhibited tremendous skills, which resulted in a very competitive tournament.”West Indies women’s cricket has been on the rise over the past couple years as the WICB has invested heavily in tournaments, camps and coaching programmes and the results are now showing.A number of players and officials were very happy with the level of organisation of the tournament in St Vincent. Shallow alluded to this by mentioning: “from an organisational perspective, all plans came together positively”.Shallow, who has a background in Information Technology, was able to quickly put ‘live’ scoring in place and this made it very easy for scores to be sent out from the tournament.The winning team T&T, on their return home, were celebrated at the Piarco International Airport by the Minister of Sport, Darryl Smith, the CEO of the TTCB, Suruj Ragoonath and the president of the TTWCBC, Joycelyn Opadeyi who in particular heaped praises on the TTCB.The TTCB, representing the interest of the WICB in women’s cricket in Trinidad, came to the park according to Opadeyi. “We want to thank the TTCB for all that they have done for this team. They have given everything that was asked of them for us to produce champions and this we have done.”last_img read more