Month: May 2021

GSEs Name CEO of Company Created to Operate Common Securitization Platform

first_img in Daily Dose, Featured, Government, News Government-Sponsored Enterprises Fannie Mae and Freddie Mac have jointly announced that David M. Applegate will be the first CEO of Common Securitization Solutions (CSS), which was created by the GSEs to operate a new secondary mortgage market infrastructure, Common Securitization Platform (CSP).In addition to naming the new CEO, both GSEs appointed two executives to the CSS Board of Managers. The two GSEs also signed governance and operating agreements for CSS.Applegate has more than 20 years of mortgage banking experience, having previously been an executive with GMAC Mortgage and GMAC Bank during his 17-year tenure with General Motors Acceptance Corporation.  While with GMAC Mortgage, Applegate assembled an executive team that helped transform the company into an industry leader.Immediately prior to coming to CSS, Applegate was the president, CEO, and director of Dallas, Texas-based mortgage servicer and lender Homeward Residential, Inc., a worldwide company with assets of $4.5 billion and a workforce of 3,000.  He has also managed a financial consulting practice and served as president of Radian Guaranty, Inc., a mortgage insurer.”I am delighted that CSS will have a leader of such stature and quality. David Applegate will help ensure that CSS forms a sound foundation on which to rebuild the infrastructure of the country’s secondary mortgage market and launch a single security,” said Jerry Weiss, Freddie Mac EVP and chief administrative officer. “Freddie Mac is pleased to be playing a leading role in this important project.”CSS was created for the purpose of operating the CSP and is jointly owned by Fannie Mae and Freddie Mac. Considered to be a milestone in the Federal Housing Finance Agency’s (FHFA) goal of building a new secondary market infrastructure, CSP’s purpose is to replace certain elements of the GSE’s proprietary system with regards to securitizing mortgages and performing back-office and administrative functions. FHFA Director Mel Watt said in a speech earlier this year that the development of the CSP is one of the most important goals for the GSEs going forward.”CSS is poised to take the next steps in building a future securitization infrastructure,” said Andrew Bon Salle, Fannie Mae EVP of Single-Family Underwriting, Pricing and Capital Markets. “David Applegate is a respected leader in the industry who will bring deep expertise in mortgage finance to CSS.  Fannie Mae looks forward to working with CSS, Freddie Mac and the Federal Housing Finance Agency to lay the foundation for a strong housing finance system for the future.”The four new members of the CSS Board of Managers are: David Lowman, Freddie Mac’s EVP of single-family business; Jerry Weiss, Freddie Mac’s EVP and chief administrative officer; Terry Edwards, Fannie Mae’s VP and COO; and Rick Sorkin, Fannie Mae’s SVP of single-family pricing strategy and structured transactions.​”Today, Fannie Mae and Freddie Mac (the Enterprises) announced several important steps in the multiyear process of developing the Common Securitization Platform, which will create a shared securitization infrastructure for both Enterprises,” FHFA Director Mel Watt said in a prepared statement. “As detailed in our 2014 Strategic Plan for the Conservatorships, one of our goals is to build a new securitization infrastructure to meet the current securitization needs of the Enterprises that could be adaptable for other users in the future. The Enterprises announced David Applegate as Chief Executive Officer for Common Securitization Solutions, LLC. David has the skills and experience needed at this important juncture in the development of the CSP to move it to launch.​”Fannie Mae and Freddie Mac, which jointly own CSS, also announced a revised governance structure and operating agreements. The new Board of Managers structure – with two representatives from each company – enhances the ability to support the Enterprises’ securitization functions. FHFA remains committed to achieving a seamless CSP launch, and I am confident the steps announced today, combined with ongoing input from stakeholders, will help ensure success.”​” GSEs Name CEO of Company Created to Operate Common Securitization Platform Servicers Navigate the Post-Pandemic World 2 days ago November 3, 2014 1,463 Views Share Save Common Securitization Platform Common Securitization Solutions Fannie Mae Freddie Mac 2014-11-03 Brian Honea About Author: Brian Honea Tagged with: Common Securitization Platform Common Securitization Solutions Fannie Mae Freddie Mac Related Articles Sign up for DS News Daily Brian Honea’s writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master’s degree from Amberton University in Garland. The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Previous: Fannie Mae’s Book of Business Ends 10 Straight Months of Decline Next: Five Star Institute’s Delgado Delivers Remarks at NF Charity Golf Tournament  Print This Post Home / Daily Dose / GSEs Name CEO of Company Created to Operate Common Securitization Platform Subscribelast_img read more

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GSEs Have Totaled Nearly 3 Million Home Retention Actions During Conservatorship

first_img Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Fannie Mae FHFA Foreclosure Alternatives Foreclosure Prevention Freddie Mac Permanent Loan Modifications 2015-08-11 Brian Honea Home / Daily Dose / GSEs Have Totaled Nearly 3 Million Home Retention Actions During Conservatorship The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago About Author: Brian Honea Share Save Data Provider Black Knight to Acquire Top of Mind 2 days ago Previous: Monitor Finds Ocwen’s IRG Issues Have Been ‘Sufficiently Addressed’ Next: Circuit Court Revives FDIC’s Securities Suit Against Deutsche, Goldman, and RBS The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days agocenter_img Tagged with: Fannie Mae FHFA Foreclosure Alternatives Foreclosure Prevention Freddie Mac Permanent Loan Modifications in Daily Dose, Featured, News, Secondary Market Fannie Mae and Freddie Mac combined to complete nearly 18,000 home retention actions for distressed homeowners in May 2015, bringing the total since the conservatorship began up to nearly 3 million, according to the FHFA’s May 2015 Foreclosure Prevention Report released Tuesday.The two GSEs completed 17,930 home retention actions in May for families facing foreclosure. Those actions included both Home Affordable Modification Program (HAMP) and proprietary loan modifications (14,069), repayment plans (3,040), forbearance plans (721), and charge-offs-in-lieu (100). May’s totals brought the number of home retention actions up to 2,899,632 – only 100,368 short of 3 million – since the fourth quarter of 2008, which was the first full quarter after the FHFA’s conservatorship of the GSEs began.Fannie Mae and Freddie Mac completed 2,882 non-home retention solutions in May, including short sales (2,088) and deeds-in-lieu of foreclosure (794), bringing to the total of non-retention solutions since the first full quarter of the conservatorship to 620,869. Combined with the nearly 2.9 million home retention actions completed since the conservatorship began, the GSEs have completed more than 3.5 million foreclosure prevention actions.More than half of the total foreclosure prevention actions completed by the FHFA in nearly seven years (1.82 million) have come in the form of permanent loan modifications, according to FHFA. The share of mods with principal forbearance held steady from April to May at 19 percent, while the share of mods with extend-term declined to 47 percent largely due to improved prices and a declining HAMP-eligible population.Foreclosure starts on GSE-backed mortgage loans ticked up 5 percent from April to May, from 19,500 to 20,561. The share of seriously delinquent loans (90 days or more overdue or in foreclosure) declined from 1.70 percent in April down to 1.65 in May while the share of loans 30-59 delinquent rose up from 1.31 percent (365,000 loans) to 1.47 percent (408,000 loans). The share of loans 60-plus days delinquent or more declined slightly from 2.05 percent (569,000 loans) down to 2.02 percent (561,646). Third-party and foreclosure sales dropped by 8 percent month-over-month in May down to 9,929, according to FHFA.Click here to see the FHFA’s entire May 2015 Foreclosure Prevention Report. Related Articles The Week Ahead: Nearing the Forbearance Exit 2 days ago Sign up for DS News Daily Servicers Navigate the Post-Pandemic World 2 days ago GSEs Have Totaled Nearly 3 Million Home Retention Actions During Conservatorship August 11, 2015 1,529 Views  Print This Post Brian Honea’s writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master’s degree from Amberton University in Garland. Subscribelast_img read more

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House & Senate Face Off, Mortgage Interest Deduction on the Line

first_img November 9, 2017 1,548 Views The Best Markets For Residential Property Investors 2 days ago House & Senate Face Off, Mortgage Interest Deduction on the Line  Print This Post Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Subscribe Tagged with: House HOUSING housing industry mortgage mortgage interest deduction Republicans Senate Tax Reform House HOUSING housing industry mortgage mortgage interest deduction Republicans Senate Tax Reform 2017-11-09 Staff Writer in Daily Dose, Featured, Government, News Demand Propels Home Prices Upward 2 days ago Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days agocenter_img Sign up for DS News Daily Related Articles The Week Ahead: Nearing the Forbearance Exit 2 days ago Previous: Tapping Into Home Equity Next: Is Peer-to-Peer Lending the New Subprime Mortgage? The clock keeps moving forward on tax reform as Senate Republicans on Thursday released their version of a overhaul plan while House Republicans on the Committee on Ways and Means advanced their reform bill that was initially announced last week to the House floor. The House and Senate must come in line with their tax visions to create one uniform plan to pass through Congress.While the House bill is expected to cost $1.51 trillion over a decade, the Senate version comes with the major difference of waiting to cut the corporate tax rate from 35 percent to 20 percent until 2019. This move would lower the cost of the bill by over $100 billion. Another major difference is that the Senate bill has more individual tax brackets at seven compared to the House’s four. The Senate bill merely seeks to change the estate tax, as opposed to the House bill that proposes to eliminate it entirely by 2024. The Washington Post reports that the Senate bill seeks to reduce the number of people who are required to pay the estate tax by doubling the size of the estates that are tax-exempt.Perhaps the biggest difference presented by the Senate bill impacting housing professionals is that the Senate plans to keep the mortgage interest deduction intact at $1 million while the House counterpart seeks keep existing homeowners at the deduction while capping future purchases at $500,000.Finally, CNN reports that the Senate bill seeks to potentially repeal the state and local tax deduction, known as SALT, which is a priority for moderate House Republicans to keep in the bill. The current plan for the House bill is to keep the tax deduction for property taxes up to $10,000 while repealing deductions on income or sales taxes.“While we are still reviewing the outlines of this proposal, we are watching closely for changes to current law that might leave middle-class homeowners–and homeownership broadly–in a worse place than it is today,” said National Association of Realtors President Elizabeth Mendenhall.  “We’ve already seen that a near-doubling of the standard deduction, combined with the elimination of other deductions like the state-and-local tax deduction, can turn the American Dream into a nightmare for families, as the rug is pulled out from under them. Simply preserving the mortgage interest deduction in name only isn’t enough to protect homeownership.” The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Share Save Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Home / Daily Dose / House & Senate Face Off, Mortgage Interest Deduction on the Linelast_img read more

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World Economic Conditions and U.S. Housing

first_img Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago World Economic Conditions and U.S. Housing Home / Daily Dose / World Economic Conditions and U.S. Housing The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago About Author: Seth Welborn  Print This Post August 7, 2019 1,195 Views Sign up for DS News Daily Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Share Save Related Articlescenter_img Data Provider Black Knight to Acquire Top of Mind 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago As the trade war heats up, economists warn that a global recession is on the way, according to Bloomberg. Lawrence Summers, a former U.S. Treasury secretary and a White House economic adviser, told Bloomberg that the recession risk is “much higher than it needs to be and much higher than it was two months ago,” though he notes that he still sees a less than 50/50 chance that the U.S. enters a recession in the next 12 months.Earlier this week, housing economist noted how current economic conditions around the world will impact the U.S. housing market.“Sharp and deep stock declines reduce confidence among all players in the economy. As such, potential homebuyers may become more cautious about making such a significant and long term financial commitment,” said Tendayi Kapfidze, LendingTree’s Chief Economist. “Others may see their down payment funds decline if they were keeping some of the money in the stock market. The stock decline is accompanied by a significant decline in interest rates so this makes the monthly payments more affordable for buyers who chose to follow through.”A report by the National Association of Home Builders (NAHB) in June stated the tariffs on $10 billion worth of materials has contributed to the nation’s affordability issues. The NAHB states that regulations account for 25% of the price of a single-family home. “Removing regulatory barriers that contribute to the increased costs of housing will pave the way to homeownership,” said NAHB Chairman Greg Ugalde, a builder and developer from Torrington, Connecticut. “Home builders and the residential construction community are committed to working with Congress to ensure homeownership is within reach of hard working families.”Kapfidze said tariffs on Chinese goods, specifically those related to homebuilding, will be passed through the cost of new construction and renovations. He added the sector that could be hit the hardest are lower-priced homes, as “thin margins on lower-priced homes will shrink further.” “This will exacerbate the inventory challenge at the lower end of the housing market, accelerating prices here beyond the added tariff expense, and worsening the affordability and availability problems in this part of the market,” Kapfidze said.  Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Tagged with: Economy HOUSING World Economics Economy HOUSING World Economics 2019-08-07 Seth Welborn Previous: Merging Technology, Personal Touch in the Mortgage Process Next: The Future of Financial Service Firms in Daily Dose, Featured, Investment, Market Studies, News Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Seth Welborn is a Reporter for DS News and MReport. A graduate of Harding University, he has covered numerous topics across the real estate and default servicing industries. Additionally, he has written B2B marketing copy for Dallas-based companies such as AT&T. An East Texas Native, he also works part-time as a photographer. Subscribelast_img read more

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Understanding FHA Claims and Conveyance Timelines

first_img Demand Propels Home Prices Upward 2 days ago Related Articles The Week Ahead: Nearing the Forbearance Exit 2 days ago in Daily Dose, Featured, Foreclosure, News, Print Features  Print This Post The Best Markets For Residential Property Investors 2 days ago Home / Daily Dose / Understanding FHA Claims and Conveyance Timelines Share Save About Author: Baker Breedlove Understanding FHA Claims and Conveyance Timelines Sign up for DS News Daily Subscribe Previous: FHFA Proposes Housing Goals for Fannie Mae, Freddie Mac Next: National Delinquency Rate Improves for First Time Since January Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago This story originally appeared in the July edition of DS News.“Because we have always done it that way” might be the most dangerous phrase in business. And when it comes to FHA claims, it is generally accepted as common knowledge that mortgage servicers can never be reimbursed for property preservation (P&P) expenses incurred after the Conveyance Timeframe (as defined by 24 CFR § 203.359(b).The industry has always done it this way, at least in recent memory. Until now. Over a year ago, we began asking why this generally accepted practice existed. We heard countless whispers that it was because HUD auditors imposed multimillion-dollar extrapolation penalties against FHA mortgagees when they improperly claimed P&P expenses that were incurred after the Conveyance Timeframe. Perhaps due to my own stubbornness, I was not satisfied with this answer as it merely assumes the conclusion. So, with the encouragement of fellow colleague Alfred Minisee, we set out to find a substantive answer as to why mortgage servicers could never be reimbursed for such expenses.The issue is more nuanced than it may first appear. While the whispers of HUD audit penalties may be true, it would be an overgeneralization to assume that because HUD auditors have imposed penalties against mortgagees for improperly claiming P&P expenses after the Conveyance Timeframe, that mortgagees are always prohibited from claiming P&P expenses after the Conveyance Timeframe. The ultimate reason for HUD’s imposition of these penalties was likely dependent upon other circumstances, and the mere passing of the Conveyance Timeframe is not dispositive of whether the expense can be claimed. That is to say, the expiration of the Conveyance Timeframe, in and of itself, does not prevent mortgagees from claiming P&P expenses incurred after the Conveyance Timeframe.The implications of this distinction are tremendous. Mortgagees and their vendors assume hundreds of millions of dollars in losses attributable to nonreimbursable P&P expenses every year. While we recognize that the primary goal for mortgagees and their vendors is to convey properties on time, it would be shortsighted not to take a multipronged approach to minimize losses. After all, the United States Government Accountability Office reported that in 2017, 72% of properties were not conveyed on time—a staggering number. In today’s environment, with unprecedented forbearances and historically low-interest rates, margins are razor-thin. As such, this issue has never been more important.Armed with the CFRs and HUD’s guidance, we set out to persuade public opinion. However, habits are hard to break. Even with the generous support of trade groups, we were routinely told the only way to resolve the issue was by obtaining written clarification from HUD.So we did. On May 1, 2019, we submitted a letter and memorandum to HUD outlining why mortgagees are permitted to claim P&P expenses after the Conveyance Timeframe in certain instances. We argued that, despite the commonly accepted view to the contrary, HUD’s guidance is both clear and favorable to mortgagees. On February 4, 2020, the Deputy Assistant Secretary for Single-Family Housing at HUD graciously responded and flatly stated that “[f ]or properties where the P&P actions are performed in accordance with HUD guidance and all other FHA requirements are met, expenses incurred outside the Conveyance Timeframe can be reimbursed so long as they are incurred prior to the date of conveyance.” We believe this statement made on behalf of HUD is the last word needed on the subject.Nevertheless, some in the industry have clung to their prior practices, even in the face of the HUD letter. To allow you to understand the issue and decide for yourself, we present much of the analysis contained in MSI’s memorandum to you here. To begin, HUD’s Handbook applies the following standard in determining whether P&P expenses are reimbursable:HUD will reimburse Mortgagees up to the Maximum Property Preservation Allowance, or as permitted by HUD as approved over-allowable, for property P&P actions so long as: (i) the actions are performed before the date of conveyance, even if the Mortgagee renders payment after conveyance; and (ii) the actions are performed in accordance with HUD guidance. [Handbook 4000.1 IV.A.2.a.ii(D)(1) (emphasis added)]Stated differently, mortgagees may claim P&P actions and expenses that satisfy the following three requirements: (i) P&P actions must be below the maximum allowance or approved in form of an over-allowable; (ii) P&P actions must be completed before the actual conveyance to HUD (not the Conveyance Timeframe); and (iii) P&P actions must be performed in accordance with HUD guidance. As to the first requirement, we assume P&P expenses are below the maximum allowance or approved in the form of an over-allowable, as this has always been a requirement. Next, as to whether the P&P actions are completed before the date of conveyance, it is important to note that there is a clear distinction between the date of conveyance and the Conveyance Timeframe. The date of conveyance is the date the mortgagee actually transfers the property to HUD.In contrast, the Conveyance Timeframe relates to the amount of time mortgagees are allotted to convey properties to HUD. Properties routinely have conveyance dates outside the Conveyance Timeframe. Thus, the Conveyance Timeframe cannot be synonymous with the date of conveyance. The handbook is clear—P&P actions must be performed “before the date of conveyance[.]” Id. Therefore, mortgagees may claim P&P actions to HUD if they are performed after the Conveyance Timeframe, provided that the P&P actions are completed prior to the date of conveyance. The last element requires P&P actions be performed in accordance with HUD guidance.The Handbook defines P&P actions as “maintenance, security, and repair work required by HUD in order to ensure the Property meets HUD’s conveyance condition standards.” [Handbook III.A.2.t(ii)(c)] Conveyance Timeframes are not related to the maintenance, security, and repair work, and thus, are not P&P actions. A mortgagee’s failure to meet Conveyance Timeframes has no impact on whether P&P actions are performed in accordance with HUD guidance because Conveyance Timeframes are not P&P actions. Furthermore, section IV.A.2.a.ii.(D)(3) of the Handbook identifies the specific HUD guidance used to “evaluate all claimed costs for P&P.” The guidance used to evaluate all claimed P&P costs is hyperlinked to section III.A.2.(t)(ii)(C), titled “Mortgagee [P&P] Action.”Unsurprisingly, the guidance in this section excludes any reference to the Conveyance Timeframe. Instead, the applicable guidance only addresses the physical condition of the property, repair expectations, and related documentation. Consequently, in addition to Conveyance Timeframes not being P&P actions, Conveyance Timeframes are outside the scope of the HUD guidance used to evaluate whether mortgagees may claim P&P expenses. Mindful that other sections of the Handbook may limit the language referenced above, we expanded our search of the CFRs and HUD’s guidance to instances when mortgagees must self-curtail. The Handbook requires mortgagees to self-curtail P&P expenses in only one circumstance—“when Reasonable Diligence Timeframes or reporting requirements are not met.” [Handbook 4000.1 III.A.2.r.i(E)] Like the distinction between the Conveyance Timeframe and the date of conveyance, it is important to distinguish the Conveyance Timeframe from Reasonable Diligence Timeframes and reporting requirements. Reasonable diligence and reporting requirements relate to prosecuting the foreclosure and notifying the secretary of the proceedings (collectively Foreclosure Timeframes), not the amount of time allotted to convey properties. [See 24 CFR § 203.356(a),(b)]The Handbook’s express requirement that mortgagees self-curtail P&P expenses if Foreclosure Timeframes are not met, but not if Conveyance Timeframes are not met, compels the conclusion that mortgagees are not required to self-curtail P&P expenses if the Conveyance Timeframes are not met. Despite the foregoing, some have urged that 24 CFR § 203.402(g)(2) prohibits servicers from claiming P&P expenses after the Conveyance Timeframe. This regulation represents the federally mandated, minimum floor of benefits that HUD must provide to mortgagees. It does not limit or prohibit HUD from extending benefits beyond the minimum requirements. If we assume § 203.402(g)(2) limits HUD’s ability to extend benefits, absurd results follow–including rendering accepted industrywide claim practices materially noncompliant with other federal regulations and the Handbook.For example, the text of § 203.402(g) extends benefits to “reasonable payments made by the mortgagee” for the purpose of preserving the property prior to the Conveyance Timeframe. If we strictly interpret § 203.402(g)(2), the triggering event that must occur prior to the Conveyance Timeframe is that payment must be made. Meaning, mortgagees would be prohibited from claiming P&P actions performed prior to the Conveyance Timeframe if payment is made after the Conveyance Timeframe. We are unaware of any servicer that observes this interpretation in its day-to-day practices, nor do we believe HUD intends for servicers to comply with such a narrow interpretation. For these reasons, mortgagees are permitted to claim P&P expenses incurred outside the Conveyance Timeframe if other unrelated criteria are met. We want to extend our sincerest gratitude to The Hon. Brian Montgomery, Joseph Gormley, and countless other representatives at HUD for listening, taking action, and clearing up this longstanding misconception. The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago 2020-07-21 Mike Albanese July 21, 2020 1,965 Views Baker Breedlove is General Counsel for the Insight One Solutions Family of Companies: MSI, Williams & Williams Real Estate Auctions, and I Property Claims (IPC). In this role, Breedlove serves as principle legal counsel to the company, its subsidiaries, senior management, and the board of directors on a wide array of legal and regulatory issues. Additionally, Breedlove is the President of IPC, a premier provider in hazard. Governmental Measures Target Expanded Access to Affordable Housing 2 days agolast_img read more

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Calls for lamb factories to stop price cuts

first_img RELATED ARTICLESMORE FROM AUTHOR Guidelines for reopening of hospitality sector published Pinterest Three factors driving Donegal housing market – Robinson Twitter WhatsApp Previous articleChloe and Sam Magee reach Euro Games last eight with 100% recordNext articleGardai charging for events to be policed deemed unacceptable admin Google+ Homepage BannerNews Facebook Nine Til Noon Show – Listen back to Wednesday’s Programme Pinterestcenter_img By admin – June 25, 2015 Twitter WhatsApp Google+ LUH system challenged by however, work to reduce risk to patients ongoing – Dr Hamilton Calls for lamb factories to stop price cuts Facebook Calls for maternity restrictions to be lifted at LUH GAA decision not sitting well with Donegal – Mick McGrath Calls have been made for lamb factories to stop the price cuts and stabilise the market.Sheep quotes are down at least 50c/kg on this time last year and sheep farmers are angry, according to the Irish Cattle and Sheep Farmers’ Association and the IFA.It’s been said further cuts this week are inflicting severe income damage on the sheep sector.Local Councillor and sheep farmer, James Pat McDaid says the only solution to the problem is increase exportation of lambs to order to stabilise the market:Audio Playerhttp://www.highlandradio.com/wp-content/uploads/2015/06/jamesp1.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume.last_img read more

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Donegal tourism can gain from G8 summit in Fermanagh

first_img Almost 10,000 appointments cancelled in Saolta Hospital Group this week Twitter By News Highland – November 21, 2012 Previous articleReserve Defence Force Units in Carndonagh and Milford to closeNext articleDonegal activist calls on people to oppose G8 Summit News Highland Pinterest Calls for maternity restrictions to be lifted at LUH RELATED ARTICLESMORE FROM AUTHOR Twitter News WhatsApp Donegal must take advantage of the announcement that the G8 summit is to take place in Fermanagh next year.It was confirmed yesterday by the British PM, David Cameron that the event would take place at the Lough Erne golf resort.And Labour Senator Jimmy Harte says it’s a huge opportunity for tourism in the county when the leaders of the worlds largest eight economies meet next summer…..[podcast]http://www.highlandradio.com/wp-content/uploads/2012/11/jimh.mp3[/podcast] Facebookcenter_img Guidelines for reopening of hospitality sector published LUH system challenged by however, work to reduce risk to patients ongoing – Dr Hamilton WhatsApp Facebook Google+ Pinterest Google+ Donegal tourism can gain from G8 summit in Fermanagh Business Matters Ep 45 – Boyd Robinson, Annette Houston & Michael Margey Need for issues with Mica redress scheme to be addressed raised in Seanad alsolast_img read more

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Highland’s Farming News – Thursday 24th September

first_imgNewsPlayback Highland’s Farming News – Thursday 24th September By admin – September 24, 2015 Almost 10,000 appointments cancelled in Saolta Hospital Group this week Twitter Guidelines for reopening of hospitality sector published Pinterest RELATED ARTICLESMORE FROM AUTHOR Nine Til Noon Show – Listen back to Wednesday’s Programme A 15 Minute Programme presented by Chris Ashmore every Thursday at 7.05pm highlighting all that’s happening in the farming community in association with the Farming Independent.Audio Playerhttp://www.highlandradio.com/wp-content/uploads/2015/09/FarmingSept24th2014.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. LUH system challenged by however, work to reduce risk to patients ongoing – Dr Hamilton Google+center_img WhatsApp Calls for maternity restrictions to be lifted at LUH WhatsApp Facebook Facebook Pinterest Twitter Business Matters Ep 45 – Boyd Robinson, Annette Houston & Michael Margey Previous articleSocieties, Sport and much, much more on offer at Clubs and Societies Day 2015Next articleHarps look to secure second while Wexford could be crowned champions tonight admin Google+last_img read more

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Largo food workers accept 3.5% paycut

first_img Google+ News Twitter Facebook RELATED ARTICLESMORE FROM AUTHOR Business Matters Ep 45 – Boyd Robinson, Annette Houston & Michael Margey WhatsApp Largo food workers accept 3.5% paycut Pinterest Calls for maternity restrictions to be lifted at LUH Facebook Previous articleChildren as young as 12 and 13 drunk on Derrys streets at weekendsNext articleThree have lucky escape in Loughanure to Crolly Road accident News Highland center_img It is hoped current jobs and planned future investment at Largo Foods in Gweedore are secure after workers voted to accept company proposals to take a pay cut.It was feared that the company, which makes snack foods, would move production elsewhere after staff initially rejected calls for them to take a 3.5% paycut.It is now expected that a 2 million euro investment that was announced earlier this month will go ahead, thus creating an additional 40 jobs.Senator Pearse Doherty says workers should never have been put in this position in the first place, and he says measures need to be introduced to ensure this can’t happen again:[podcast]http://www.highlandradio.com/wp-content/uploads/2010/07/doh830.mp3[/podcast] WhatsApp By News Highland – July 9, 2010 Twitter Almost 10,000 appointments cancelled in Saolta Hospital Group this week Guidelines for reopening of hospitality sector published LUH system challenged by however, work to reduce risk to patients ongoing – Dr Hamilton Pinterest Google+ Need for issues with Mica redress scheme to be addressed raised in Seanad alsolast_img read more

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15 year old raped in horrific Derry attack

first_img WhatsApp Dail to vote later on extending emergency Covid powers Pinterest Facebook Twitter Man arrested in Derry on suspicion of drugs and criminal property offences released Pinterest RELATED ARTICLESMORE FROM AUTHOR Foyle MLA Mark H.Durkan is urging teenagers and parents to be extra vigilant after a 15 year old girl was   raped in Derry over the weekend.The PSNI say the incident happened at 11 o’clock on Friday night in the grounds of Foyle College on the Northland Road.Her alleged attacker is described as being in his late teens with a shaved head and an English accent.Police have appealed for information about the incident, Mark H.Durkan says it’s imperative that anyone with information helps the PSNI get this man off the streets……..[podcast]http://www.highlandradio.com/wp-content/uploads/2011/07/mhdurk830.mp3[/podcast] Facebook WhatsApp By News Highland – July 11, 2011 center_img Newsx Adverts PSNI and Gardai urged to investigate Adams’ claims he sheltered on-the-run suspect in Donegal Google+ Dail hears questions over design, funding and operation of Mica redress scheme Google+ Previous articleKaren McGlinchey settles High Court actionNext articleDACC seek meeting with Health Minister and HSE boss News Highland 15 year old raped in horrific Derry attack Twitter HSE warns of ‘widespread cancellations’ of appointments next week Man arrested on suspicion of drugs and criminal property offences in Derrylast_img read more

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