Analyzing Mortgage Delinquency Performance

first_img The Best Markets For Residential Property Investors 2 days ago  Print This Post About Author: Donna Joseph Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Declining unemployment rates and rising home prices have helped reduce delinquency rates, according to Archana Pradhan, Senior Professional, Economist at CoreLogic. In her blog titled “Mortgage Delinquency Rates for All Loan Types Continue to Fall”, Pradhan indicated that the serious delinquency rate for September 2018 was 1.5 percent, representing a 0.4 percentage point decline compared with September 2017. The blog based on information from the CoreLogic Performance Index revealed that the serious delinquency rates for Federal Housing Administration (FHA), U.S. Department of Veterans Affairs (VA), and conventional loans were 3.7, 1.9 and 1.1 percent as of September 2018—representing an 11-year low. CoreLogic data shows the serious delinquency rate for FHA loans is more than three times higher than the serious delinquency rate for conventional loans, partly because of the rise in FHA to conventional refinancing since 2013, Pradhan said. FHA to conventional refinances accounted for about 10 percent of all refinances in 2017 compared to 2 percent in 2012.Pradhan pointed out that a closer look reveals that today’s delinquency rates are influenced by older loans, wherein about 67 percent of the conventional loans that were seriously delinquent in September 2018 were originated between 2003 and 2009 compared to just 23 percent of seriously delinquent conventional loans originated between 2010 and 2018. About 48 percent of the FHA loans and 69 percent of VA loans that were seriously delinquent were originated between 2010 and 2018, the blog indicated.According to CoreLogic, the delinquency rates were much higher for all loan types originated between 2006 and 2008. An improvement in all types of loans recorded gradual improvement in delinquency rates were much higher for all loan types originated between 2006 and 2008. Performance of all types of loans started to improve gradually beginning with the 2009 vintage as the underwriting standards tightened and the economic recovery began mid-2009Another key finding of the report was that loans originated in 2015 and 2016 have performed the best, with the lowest 15-month delinquency rate in a decade. The affordable loans originated in the past three years have a significantly lower delinquency rate than the FHA and VA loans. In fact, the serious delinquency rate for affordable housing loans is only a little bit higher than that of conventional loans. Read the full report here. Previous: The Housing Market’s New Normal? Next: In Times of Emergency Analyzing Mortgage Delinquency Performance in Daily Dose, Featured, Market Studies, News, Servicing Share Save Tagged with: Archana Pradhan CoreLogic Delinquency Mortgage Rates Serious Delinquency Archana Pradhan CoreLogic Delinquency Mortgage Rates Serious Delinquency 2019-01-03 Donna Joseph Servicers Navigate the Post-Pandemic World 2 days ago January 3, 2019 3,537 Views center_img Donna Joseph is a Dallas-based writer who covers technology, HR best practices, and a mix of lifestyle topics. She is a seasoned PR professional with an extensive background in content creation and corporate communications. Joseph holds a B.A. in Sociology and M.A. in Mass Communication, both from the University of Bangalore, India. She is currently working on two books, both dealing with women-centric issues prevalent in oppressive as well as progressive societies. She can be reached at [email protected] Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Subscribe Data Provider Black Knight to Acquire Top of Mind 2 days ago Sign up for DS News Daily Home / Daily Dose / Analyzing Mortgage Delinquency Performance Related Articleslast_img read more

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Concern over Lady’s Bay in Buncrana after EPA report

first_img Previous articleAnn Marie McGlynn crowned Sports Star of the Year at City HotelNext article25 people awaiting admission to LUH News Highland Twitter Google+ RELATED ARTICLESMORE FROM AUTHOR AudioHomepage BannerNews Derry draw with Pats: Higgins & Thomson Reaction WhatsApp Facebook Pinterest DL Debate – 24/05/21 Harps come back to win in Waterford Concern has been raised over Lady’s Bay in Buncrana after the beach was deemed sufficient in the latest report by the Environmental Protection Agency. According to the EPA, the beach appears to exhibit some low level pollution, possibly arising from storm overflow discharges.But Cathaoirleach of the Inishowen Municipal District Cllr. Jack Murray says this is an ongoing issue with insufficient sewerage treatment in the area and one that needs to be addressed by Irish Water:Audio Player Up/Down Arrow keys to increase or decrease volume.center_img Pinterest WhatsApp Facebook Google+ Concern over Lady’s Bay in Buncrana after EPA report Journey home will be easier – Paul Hegarty Twitter By News Highland – May 17, 2018 FT Report: Derry City 2 St Pats 2 News, Sport and Obituaries on Monday May 24thlast_img read more

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Missouri bill would allow deadly force against demonstrators

first_imgCOLUMBIA, Mo. (AP) — A Missouri senator is trying to pass a bill that would allow the use of deadly force against protesters on private property. Members of a state Senate committee on Monday debated the change. The legislation also would give immunity to people who run over protesters blocking traffic. It would make demonstrations blocking traffic a felony crime. Republican supporters of the bill said blocking traffic can be dangerous if it blocks ambulances or police from responding to emergencies. Activists said enacting the bill would encourage vigilantism.last_img read more

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Mourinho to wait on loan stars

first_img The Blues boss presented his end-of-season report to the Chelsea hierarchy on Monday, detailing his thoughts on all matters relating to the first-team squad. Definitive decisions on goalkeeper Thibaut Courtois, striker Romelu Lukaku and the others who spent time away from Chelsea this season will wait until after training resumes on July 8. Courtois has impressed in his third consecutive season on loan at Atletico Madrid, helping the Spaniards to the May 24 Champions League final at the expense of his parent club, and could put pressure on Petr Cech as Chelsea number one. Lukaku spent a second straight season on loan in the Premier League, scoring 17 goals for Everton – a tally greater than any of the strikers who remained at Stamford Bridge. Others will also be looked at closely by Mourinho, including Victor Moses, who spent the season at Liverpool, and Marko Marin, who helped Sevilla to win the Europa League. After Chelsea’s final home game of the season, Mourinho insisted there was no rush to make decisions relating to his squad. Tellingly, though, captain John Terry signed a one-year contract extension 24 hours after Mourinho’s report was submitted. The fates of record goalscorer Frank Lampard and left-back Ashley Cole are still to be clarified, with their contracts expiring imminently. Chelsea manager Jose Mourinho will wait until pre-season before determining the futures of his loan stars.center_img Press Associationlast_img read more

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Ellsworth wins season opener 48-36

first_img Latest posts by Taylor Vortherms (see all) Taylor VorthermsSports Editor at The Ellsworth AmericanTaylor Vortherms covers sports in Hancock County. The St. Louis, Missouri native recently graduated from the Missouri School of Journalism and joined The Ellsworth American in 2013. Bio Latest Posts EHS names new boys’ soccer coach – July 13, 2016center_img Part 1: Invisible, incapacitating concussions are sidelining high school athletes – July 19, 2016 Part 2: When the injury is inside your head, some “don’t get it” – July 26, 2016 Nick Bagley shoots the ball in the Ellsworth boys’ basketball team’s 48-36 win over Foxcroft Academy in the Eagles’ season-opener on Friday at Ellsworth High School. Bagley finished with 24 points for the night.PHOTO BY TAYLOR VORTHERMSNick Bagley drives for a layup in the Ellsworth boys’ basketball team’s 48-36 win over Foxcroft Academy in the Eagles’ season-opener on Friday at Ellsworth High School. Bagley finished with 24 points for the night.PHOTO BY TAYLOR VORTHERMS12PreviousNextEllsworth and Foxcroft Academy basketball players fight for a rebound in Friday night’s game at Ellsworth High School. Ellsworth won 48-36.PHOTO BY TAYLOR VORTHERMSELLSWORTH – Nick Bagley scored half of the Ellsworth boys’ basketball team’s points in the Eagles’ 48-36 win over the Foxcroft Academy Ponies on Friday night at Ellsworth High School.Bagley posted 24 points and had six of Ellsworth’s eight steals in the Eagles’ season-opener.“He’s a good player,” said Ellsworth Coach Peter Austin of Bagley. “He can shoot from most anywhere. He’ll be one of our go-to guys this year.”Austin also noted Cooper Henderson’s performance against Foxcroft’s Hunter Smith, a junior who ranked 4th in the Big East, averaging 17.1 points per game last year.This is placeholder textThis is placeholder text“He’s definitely a top five player in our league,” Austin said of Smith. “He knows how to get open, and he uses his arms and body well.”Smith was held to just 15 points, which Austin attributes to Henderson’s defense.“It was a tough and physical game,” Henderson said. “Very fast-paced.”The game remained close throughout the first half. Ellsworth led Foxcroft 13-12 with three minutes remaining in the second quarter when Bagley drove in for a layup to extend the Eagles’ lead to 15-12. A Foxcroft foul put Bagley on the free throw line, where he sunk both shots to make the score 17-12.Foxcroft hit a three-pointer on the following drive, but Bagley responded with a three-point basket of his own to keep the Ponies down 20-15 with a minute remaining before halftime.Again, Foxcroft answered with a field goal, then a three-pointer after a Bryce Harmon free throw to narrow Ellsworth’s lead to 21-20 with seconds remaining in the period.Bruce St. Peter shoots the ball in the Ellsworth boys’ basketball team’s 48-36 win over Foxcroft Academy in the Eagles’ season-opener on Friday at Ellsworth High School. St. Peter finished with six points for the night.PHOTO BY TAYLOR VORTHERMSBefore time expired, Bruce St. Peter scored from under the basket as the buzzer sounded to bring the Eagles up 23-20.In the third quarter, Bagley scored all of Ellsworth’s 12 points to outscore the Ponies’ five points for the period.“I thought Cooper did a nice job on Smith, and Nick got us going in the third,” Austin said. “Those two helped us win tonight.”The Eagles led 35-25 at the beginning of the fourth quarter and maintained a lead until the end.“It was kind of a sloppy game, but obviously, I’m happy with the result,” Austin said. “Foxcroft is better than I thought they were going to be.”Henderson, St. Peter and Alex Braley all scored six points. Harmon contributed five points and seven of Ellsworth’s ten assists.“We’ve got a long ways to go,” Austin said. “We didn’t play our best, so we’ll work on that for next time we go out.”Ellsworth will play at Hermon on Wednesday.last_img read more

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first_imgTHERE is widespread shock and grief in a Co Donegal town today after a 25-year-old man killed in a traffic accident overnight died just 100 yards from where his cousin was killed 20 years ago.The victim, named locally as Shane McMonagle, died when his car struck a telegraph post at around 4.25am at Carnagarve, just outside Moville.No other vehicles were involved in the incident which killed the popular local and well-known DJ. Shane’s cousin Mark McMonagle was killed not far from the scene of this morning’s incident two decades ago.He was a pedestrian who was out walking along the road when a car came around the corner and killed him.“This is just dreadful news for the McMonagle family,” said one local on Moville’s main street today.“Everyone is just in deep shock. Shane was a grand fella and his death is a dreadful reminder of the death of his cousin Mark. “Our prayers and sympathies are with his entire family circle today.”Superintendent Kevin English said the investigation is continuing into the incident. The car had left the road and was spotted by two witnesses.“We would like to offer our sympathies to the family,” he said.Said a Garda spokesperson: “Gardai in Buncrana are investigating a single vehicle fatal road traffic collision that occurred at Greencastle Road, Moville at approximately 4.25a.m. this morning 19th July, 2012.“A man in his mid 20′s was fatally injured when his car left the road and collided with a telegraph pole.  He has been removed to Letterkenny General Hospital. “The road has been closed pending completion of an examination by Garda Forensic Collision Investigators. Local diversions are in place but please note that no articulated lorries or heavy good vehicles will have access between Moville & Greencastle in both directions untill the road re-opens.”Gardaí are appealing for witnesses to contact Buncrana Garda Station on 074 – 9320540, The Garda Confidential Telephone Line 1800 666 111 or any Garda Station. Forensic officers are at the scene which has been cordoned off.Our earlier report is here: CAR CRASH VICTIM DIES 100 YARDS FROM WHERE COUSIN WAS KILLED was last modified: July 19th, 2012 by BrendaShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:CAR CRASH VICTIM DIES 100 YARDS FROM WHERE COUSIN WAS KILLEDlast_img read more


Sexoffender registry laws discriminate against mentally ill court rules

first_imgTORONTO — Ontario’s top court has thrown out parts of laws requiring lifelong sex-offender registration as unconstitutional.The ruling applies when a person has been found not criminally responsible because of a mental disorder and given an absolute discharge.The court found both provincial and federal legislation to discriminate against the mentally ill.It noted that in those cases, the mentally ill have committed no crime but have no way to get off the registries.It gave the governments 12 months to fix the legislation.However, it also ordered immediate removal from the registries of the man who brought the case.The Canadian Presslast_img read more

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Shadow Minister of Health Addresses Pollution

first_img Related Items:beautiful by nature, edwin astwood, pollution, shadow minister of health Recommended for you Grand Turk, 16 Oct 2014 – Our islands are uniquely beautiful by nature. Therefore, the onus is on us to preserve it for future generations. Consider this: the average household produces one to two 19 gallon bags of rubbish in one week. Now consider the amount of rubbish that is produced on your street…then your district…then your island…then our country. Imagine most of that rubbish being scattered about your island. You may live on an island that has a schedule for garbage collection; where residents keep their properties and their surroundings tidy; and there are no uncaring persons polluting the environment with garbage and refuse. Then you can claim our slogan, “Beautiful by nature.”As Shadow Minister for Health and the elected member for Grand Turk South and Salt Cay, I am hereby appealing to the residents on our islands to join me in my campaign to keep our islands clean. We can quantify the advantages of a clean community. The benefits run the gamut from an economic stand point to a healthy environment.We rely on tourists who come to our shores. Do we want them to take one look and decide never to return? We can play our part by practicing healthy, cleanly habits. Let us adopt these two slogans and make them our mantras:Put it in the can, man;Keep our islands clean, green and pristine.Litterers and dumpers are not welcomed in our beautiful by nature islands. Each resident can make a difference by adhering to practices that enhance our beauty rather than detract from it. We may not see road signs that warn of fines for littering, but that should not deter us from becoming civic minded, nonetheless.“Out of all those hundreds and hundreds of islands lying in the seas and oceans of the earth, the Turks & Caicos are our islands. Grand Turk is my little one, so we just got to be aware of them and take care of them.” This is my personal creed.I implore those among us who do not care about our islands and the environment to desist from destroying their beauty. We must all do our part, especially the Government, who I see as turning a blind eye to this situation of pollution within our islands.On any given Cruise ship day on Grand Turk there are thousands persons on the streets, moving around, sightseeing, taking pictures, and visiting places of interest. What are they seeing and photographing? Should they see the garbage accumulating on a vacant lot opposite the old police station, near the Museum? Is this the image that the Minister of Tourism wishes to sell as the lasting image of Grand Turk? Is this what the Minister of Environment considers to be “Beautiful by Nature”? Is this how the Minister of Government Support Services lend support to the environment? And is this what the Minister of Health considers to be promoting a healthy life style? Does this Government really care about any of this? From my observations, it does not look so. I, along with other private citizens and groups, have been assisting in cleaning our island. However, we need the Government to do its part. My advice to the Government:Provide adequate resources to the departments responsible for garbage collection and cleaning; Promote caring for the environment;Enforce laws for protecting our “Beautiful by Nature Country”, please.End.Hon Edwin AstwoodShadow Minister of HealthMP for Grand Turk South and Salt Cay School fire reveals serious cracks in emergency response in Grand Turk Facebook Twitter Google+LinkedInPinterestWhatsAppcenter_img Salt Cay being ignored, Member & Native demand better Change is on the horizon says PDM Leader Sharlene Cartwright Robinson Facebook Twitter Google+LinkedInPinterestWhatsApplast_img read more

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The youth gala

first_imgThe youth festival 2013, that is going on in the Capital, is empowering the country’s young achievers. It is also providing them with a national platform to showcase their talent. The festival is bringing together a truly Indian extravaganza of dance, drama and music for youngsters.The festival stages together an array of dance forms that depicts the flavour of India. Young and talented artists and groups, from all over the country, are participating in the event. Be it contemporary, classical or folklore – there’s a lot of action to watch out for in every segment of the festival. Youth bands selected from different states and cities are set to take the festival on a much higher note. Also Read – ‘Playing Jojo was emotionally exhausting’‘We are extremely overwhelmed to see the kind of acknowledgement this festival is receiving from people of all ages in the city. The crowd, the hoots and the appreciation from the audience on each day, says it all’, said Sindhu Mishra, Deputy Secretary of Sahitya Kala Parishad.She moves on to explaining the concept of the festival further. There are many independent groups/institutes in our country who are continuously helping the youngsters with adequate training in different art forms. Then, there are youth bands who have their own unique take on music and a huge fan following. ‘Our country has a bunch of talent waiting to get explored. At the same time, these young dancers, musicians, cultural groups and trainers, need support and the right kind of exposure. The youth festival acts like their backbone and give them the platform to showcase their talents and the culture,’ she added. Also Read – Leslie doing new comedy special with NetflixGiving the ongoing festival a much-needed edge, an exhibition showcasing the best artworks by young artists from various art colleges of Delhi is also up for display and exploration.As part of their many endeavours to keep the roots of our country intact, the Delhi government’s Department of Art, Culture and Language celebrates this festival annually to make sure that our young achievers are recognised and encouraged and take their talents seriously. It also, in turn, brings a reason for celebration. Groups like Sadhya, Bhoomika, ASPA, Abhinay dance company, Tapasya among others are taking on the contemporary juncture in full swing. Music bands including Secret Weapon, Indian Saber, Three the People, Daksha, to name a few, will musically empower the festival in coming days.In the classical segment, dance forms like Kathak, Oddissi, Manipuri, Mohiniattam, Chhau, Kuchipuri, Bharatnatyam and Kathakali will be performed by young birds from all across the country, reflecting the true culture of our country.Also Murad’s Sarangi, Akram Khan’s Tabla, Ajay Kumar’s ritual drum, Anupriya’s Parinday band playing the violin and Pt Bhajan Sapoori’s Santoor will ensure classical music gets its due at the Youth Festival, on all days.When: Till 1 DecemberWhere: Central Park, Connaught Placelast_img read more

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