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[ad_1] NATO summit seeks return to gravitas with Biden [ad_2] Source link

[ad_1] Low-interest rates, conducive government policies, flexible payment plans, easy investment opportunities and use of technologies have played a vital role in driving the growth in real estate. [ad_2] Source link

[ad_1] Whether moving to be near family or relocating for a job, moving is common. Take the pandemic, for instance. The housing market saw a huge spike in the number of moves as people relocated from big cities to avoid COVID-19. According to data obtained by USPS, almost 16 million people moved during the pandemic. And even though life is getting back to normal, people are still moving. The pandemic showed companies the possibilities of remote work. With some employees no longer having to live close to their office, their residential options are endless. That said, before you pack up your family and move to somewhere new, do your research. To help families decide where to live, WalletHub compared over 180 cities to find the best and worst cities to raise a family. Here’s what they found:  More for Real Estate Enthusiasts How much house can you afford to buy? Generation X is looking to move to these metros Taking the leap: The benefits of buying vs. renting a home Here are the top 15 cities where Gen Z wants to buy a home Best Cities for Families Overland Park, Kansas Fremont, California Irvine, California Plano, Texas Columbia, Maryland South Burlington, Vermont Seattle Scottsdale, Arizona Gilbert, Arizona Madison, Wisconsin Worst Cities for Families Montgomery, Alabama Miami San Bernardino, California Wilmington, Deleware Birmingham, Alabama Newark, New Jersey Hialeah, Florida Memphis, Tennessee Cleveland Detroit To rank these cities, WalletHub focused on five dimensions: family fun, health and safety, education and child care and affordability. They even took it a step further and highlighted the cities that feature must-have family attractions and other important family-friendly considerations. Most Playgrounds Per Capita New York City Chicago Madison, Wisconsin Philadelphia Jacksonville, Florida Highest Median Family Salary Overland Park, Kansas Plano, Texas Scottsdale, Arizona Gibert, Arizona Columbia, Maryland Most Affordable Housing Cedar Rapids, Iowa Akron, Ohio Pittsburgh Overland Park, Kansas Des Monies, Iowa Lowest Violent-Crime Rate per Capita Irvine, California Warwick, Rhode Island Gilbert, Arizona South Burlington, Vermont Glendale, California The post Here are the cities that ranked among the best and worst places to raise a family appeared first on HousingWire. [ad_2] Source link

[ad_1] Stock up on men’s button-up long sleeved shirts with this deal! Right now, Jos. A. Bank is offering up to 85% off clearance items! Shipping is free for Bank Account Rewards Members (free to join). Here are some deals we spotted… Get this Travel Tech Tailored Fit Spread Collar Plaid Sportshirt for just $4.99 shipped (regularly $45)! Get this Reserve Collection Slim Fit Spread Collar Check Sportshirt for just $4.99 shipped (regularly $45)! Get this Traveler Collection Tailored Fit Point Collar Plaid Sportshirt for just $4.99 shipped (regularly $45)! There is also a HUGE selection of ties for just $4.99 shipped here. Shop the entire clearance sale here. [ad_2] Source link

[ad_1] 'Extraordinary times, extraordinary measures': U.S. approach to vanquish pandemic [ad_2] Source link

[ad_1] Share Market News Today | Sensex, Nifty, Share Prices LIVE: Nifty futures on Singapore Exchange were trading 29 points higher on Friday morning, hinting at a continuation of positive momentum for Dalal Street. [ad_2] Source link

[ad_1] There are a number of challenges affecting the non-QM market, but there are also opportunities. By partnering with a mortgage company that understands how to streamline non-Qm loans, brokers can close loans quickly and effectively. HousingWire recently sat down with John Jeanmonod, Regional Vice President of Sales at Angel Oak, about the company’s non-QM solutions which make the mortgage process easier for brokers. HousingWire: Why is non-QM so important for originators to utilize in 2021? John Jeanmonod: There are a number of factors making non-QM essential in today’s market. For one, refinance volume that has filled the pipeline for many originators over the past year is declining. It was projected in Q4 of 2020 that refinance volume would be cut in half in 2021 and we are definitely seeing the slowdown. In fact, the Mortgage Bankers Association (MBA) reports a decline in refinance applications almost weekly. Agency business alone will not bridge the gap to sustain volume growth. This is simply because more borrowers will not qualify for Agency loans.  Fannie Mae and Freddie Mac have imposed tighter restrictions making the government box smaller and smaller. They have limited the percentage of loans they will do based on criteria they have set for what they consider to be high-risk loans. If borrowers meet two out of the three risks on the list, they won’t qualify. The three high-risk scenarios are: LTVs over 90%, DTI at 45% or above, or credit scores lower than 680. This two-out-of-three elimination rule creates a bigger demand for non-QM and results in a growing number of borrowers who do not fit in the GSE box.  Originators without non-QM offerings risk losing deals and jeopardizing volume growth. HW: Why is choosing the right non-QM lender so important? JJ: It’s the difference between getting non-QM loans closed quickly and seamlessly versus working with a lender that doesn’t. Some non-QM lenders must get approval from outside investors that could result in delays. One of our biggest differentiators from other lenders is the fact that we are the end investor. We do not have to get approval or position anything with an outside party who could request changes and delay closings. The entire process from prequalification, underwriting to securitization occurs here at Angel Oak. We work very closely with our affiliate company Angel Oak Capital Advisors and when we say a loan is cleared to close – that’s it. We close the loan.  In addition, we don’t sell our non-QM loans to Fannie Mae or Freddie Mac. This means that we are not held to the GSE’s 7% volume cap for investment properties or second home loans. Originators don’t have to worry about whether or not we can issue these loans – we are not held to a loan cap restriction. Working with Angel Oak Mortgage Solutions means working with the leader in non-QM. It means originators are getting the top account executives in the country and an underwriting team incomparable to others. These unique individuals know every aspect of non-QM because our main focus is on non-QM lending. These are important factors to consider when choosing a non-QM lender. Your reputation and protecting your referral base depends on the right alignment. HW: How does Angel Oak support the broker community at the local level? JJ: We take great pride in our efforts focused on supporting brokers in local communities. We have 70 plus account executives across the country covering local markets. We belong to and sponsor every major trade organization coast to coast and many of our account executives serve on the board. For instance, I serve on the board of directors for the North Texas Association of Mortgage Professionals (NXTAMP) and Eric Morgenson, business development, sits on the board for the Orange County chapter of the California Association of Mortgage Professionals (CAMP). We are often the preferred non-QM partner for trade shows and events across the country. Our goal is to support originators the best we can and to continue to educate on non-QM with valuable information that moves the needle for our clients. The only way to do that is to be ingrained in local communities, knowing our clients and understanding their challenges. Each market is different. Housing Wire: What is Angel Oak doing to make the process easier for brokers? JJ: As much as we can. We try to do the heavy lifting so our clients can focus on prospecting and closing deals. One example is our marketing flyers available for approved brokers to use. Add your company logo, contact information and download to send out. We have presentations ready to go and we are happy to present with you as the expert on non-QM at any Realtor or referral partner meeting. An integral part of the business is to grow and solidify a referral base and we can help with that through in-person presentations or webinars.  A significant time-saver for clients is our bank statement review team who will review, analyze and calculate income upfront for bank statement deals. As I mentioned before, our underwriting team is the most proficient in the business and our clients have access to them during the underwriting stage of the process.  We continue to invest in technology ensuring quick responses, information and file updates. Examples include our non-QM pricing engine QuickQuote that provides an instant answer, Live Chat, a new broker helpline and we just launched loan status text notifications. The bottom line is this – non-QM is going to become more and more in demand. Angel Oak Mortgage Solutions is the premier non-QM lender in the space. There is no one out there like us and we have the best account executives in the industry. Don’t trust your business or your livelihood to anyone but the experts who have built a successful company exclusively around non-QM. To prepare for this surge in non-QM, brokers need a partner that’ll support their business. Using automation and fast technology to give brokers real-time data, Angel Oak Mortgage Solutions makes

[ad_1] If you follow me on Instagram story, you probably know that I eat a lot of salads. I love salads and usually have a least one big salad every day. To make it easy to prep salads, I usually wash and tear enough lettuce for an entire week of salads at one time. This way, I can just grab some handfuls of lettuce from the fridge, put them on a plate, top them with whatever salad toppings I want to use, and eat. When it only takes a few minutes to make a salad, it’s a lot easier to make healthier eating a priority! Here’s how I prep my lettuce to last for at least 6-7 days and stay fresh and crisp: Step 1: I usually buy a head of lettuce from Aldi or Kroger. I prefer Red Leaf, Green Leaf, or Romaine. Step 2: I put the head of lettuce into a colander or strainer in the sink. Step 3: I tear off the leaves and rinse them. Step 4: I lay the lettuce leaves out onto a dish cloth on the kitchen counter. Step 5: I pat the leaves dry with the towel/dish cloth. Step 6: I tear the leaves and stick them in a bowl. Step 7: I put a plate on top of the bowl and stick it in the fridge. This entire process takes me less than 10 minutes and then I have lettuce all prepped and fresh for salads for the entire week! [ad_2] Source link

[ad_1] U.S., Taiwan officials discuss trade, plan meeting 'in coming weeks'-USTR [ad_2] Source link

[ad_1] These non-performing assets (NPAs) include Essar Power Gujarat, Coastal Energy and Reliance Naval. [ad_2] Source link