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[ad_1] Speculations about privatisation gained momentum a day after the Centre’s legislative agenda suggested that the Banking Laws (Amendment) Bill 2021 for privatisation of two public-sector banks will be taken up during the winter session of Parliament. [ad_2] Source link

[ad_1] This week’s HW+ member spotlight features American Pacific Mortgage CEO Bill Lowman. Joining the company in 2002, American Pacific Mortgage named him president in 2004, and in 2016 he became CEO. Leading one of the largest independent mortgage banks in the country, Lowman is active in the industry, serving as immediate past chairman/treasurer at the California Mortgage Bankers Association, along with serving on the Mortgage Bankers Association’s Residential Board of Governors. Below, Lowman answers questions about the housing industry: HousingWire: To start off, what is your current favorite HW+ article and why? Bill Lowman: As a grandfather to three little girls, I appreciate the annual “Women of Influence” publication highlighting the significant contribution and leadership of women in our industry. We are working to instill in my granddaughters the belief that there is no limit to what they can pursue, accomplish, and achieve, and publications like this prove that point. HousingWire Daily is also part of my daily routine that I reference to stay on top of industry matters that affect decisions I make as CEO. HousingWire: What has been one of your biggest learning opportunities? Bill Lowman: The challenges of the 2008 and 2020 housing markets all brought different learning opportunities for me as a leader — and in hindsight some of the biggest gifts. The most recent was in 2020 when APM deployed 98% of our workforce across 35 states to a remote, work-from-home environment within days. Like many in the industry, we also experienced staffing challenges and a year of record overtime hours worked to keep up with the unprecedented volume and achieve a record funding year for the company. With all that happening in 2020, as a company, we received our highest NPS score (employee satisfaction survey) since inception. Our leadership team deployed new strategies for communicating and connecting with our employees, and they responded well to them. In fact, some of these strategies made our team members feel more connected to the leadership of APM than they did prior to 2020.  HousingWire: Could you name a time where you felt successful in your job?  Bill Lowman: To add to my biggest learning opportunity, I feel most successful professionally when I know the people of APM, our APM Family, are more than satisfied with the company, our leadership, their work, the support they’re receiving, and the company culture we’ve built.  HousingWire: What is the best piece of advice you’ve ever received? Bill Lowman: My father’s advice to “know your audience” has guided me both personally and as a leader for my entire career. HousingWire: What do you think will be the big themes for the housing market in 2022? Bill Lowman: A major focus for the housing market in 2022 will be on affordable housing and closing the gap in the ability of underrepresented populations to achieve homeownership. It’s apparent that we have a shortage of housing and are experiencing severe affordability challenges. What I think few understand is the racial gap in homeownership and how it impacts cities, neighborhoods and communities across the country. As an industry, we know the gap between white and Black homeownership is the widest compared with any other racial group. While 76% of white Americans own a home, only 46% of Black Americans do. Closing this gap is a top priority and a passion of mine. Along with other industry leaders and executives, I will be focused on these initiatives as part of the MBA’s Convergence Initiative in 2022. HousingWire: What’s one thing people are not paying attention to that you think they should be paying attention to in 2022? Bill Lowman: Non-QM and expanded credit products will become more important as the rate-term refi business goes away. Alternatives that are safe and sound loan products will be required to serve everyone’s needs and help the industry tackle the housing affordability crisis. The HW+ member spotlight series highlights the impact HW+ members have in the industry and the trends that they’re closely watching. To become an HW+ member, click here, and for more information on HW+ benefits, click here. The post HW+ Member Spotlight: Bill Lowman appeared first on HousingWire. [ad_2] Source link

[ad_1] Quicken Loans (Rocket Mortgage) Review: Easy Home Loans from a Top-Rated Online Lender Key takeaways: Founded in 1985, Quicken Loans was one of the earliest companies to break into the online mortgage space. While the name Quicken Loans is still used in some promotional materials, the company announced it was changing its name to Rocket Mortgage in May of 2021. As one of the top mortgage originators in the United States, Quicken Loans/Rocket Mortgage offers new home purchase loans, mortgage refinancing, VA home loans, FHA loans, USDA loans and more. Rocket Mortgage earned the #1 spot for customer satisfaction in J.D. Power’s 2021 U.S. Primary Mortgage Servicer Satisfaction Study.  While Quicken Loans is still in existence, the company announced they were changing their name to Rocket Mortgage earlier this year. This is worth noting because you may see online reviews and ratings for both companies on various platforms. With that in mind, you should know that Quicken Loans and Rocket Mortgage are synonymous with one another.  Either way, this company quickly became a leader in the online mortgage space after its initial founding in 1985. After getting started in Livonia, Michigan, Quicken Loans moved its headquarters to Detroit, Michigan in 2010. By the end of the following year, the company had closed more than $30 billion dollars in home loans. By 2014, Quicken Loans was the largest provider of FHA mortgages, and Rocket Mortgage still holds this distinction today. And in 2017, the company became the nation’s largest residential mortgage lender. If you’re in the market for any type of home loan, you have probably heard about Quicken Loans and their dominance in mortgage lending space. This review explains all this company has to offer, why they stand out among other mortgage lenders, and what you should know before you apply for a home loan. #ap88622-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Lato,Arial,sans-serif}#ap88622-ww #ap88622-ww-indicator{text-align:right}#ap88622-ww #ap88622-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end}#ap88622-ww #ap88622-ww-indicator-wrapper:hover #ap88622-ww-text{display:block}#ap88622-ww #ap88622-ww-indicator-wrapper:hover #ap88622-ww-label{display:none}#ap88622-ww #ap88622-ww-text{margin:auto 3px auto auto}#ap88622-ww #ap88622-ww-label{margin-left:4px;margin-right:3px}#ap88622-ww #ap88622-ww-icon{margin:auto;padding:1px;display:inline-block;width:15px;cursor:pointer}#ap88622-ww #ap88622-ww-icon img{vertical-align:middle;width:15px}#ap88622-ww #ap88622-ww-text-bottom{margin:5px}#ap88622-ww #ap88622-ww-text{display:none}#ap88622-ww #ap88622-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. 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#ap88622-w-map-mortgage-rate-mr-banner #ap88622-w-map-mortgage-rate-r #ap88622-w-map-mortgage-rate-btn a{display:flex;border-radius:1.3333333333vw;padding:3.7333333333vw 7.4666666667vw;font-size:4.2666666667vw}} So you want to buy a home. Do you know how much you can afford? Explore your options by talking to a mortgage expert today. Click on your state to get started! HawaiiAlaskaFloridaSouth CarolinaGeorgiaAlabamaNorth CarolinaTennesseeRIRhode IslandCTConnecticutMAMassachusettsMaineNHNew HampshireVTVermontNew YorkNJNew JerseyDEDelawareMDMarylandWest VirginiaOhioMichiganArizonaNevadaUtahColoradoNew MexicoSouth DakotaIowaIndianaIllinoisMinnesotaWisconsinMissouriLouisianaVirginiaDCWashington DCIdahoCaliforniaNorth DakotaWashingtonOregonMontanaWyomingNebraskaKansasOklahomaPennsylvaniaKentuckyMississippiArkansasTexas National Average Find out your rate National Average 3.65% 11/23/202130-year fixed-rate Find out your rate Get a free quote from Quicken Loans VIEW RATES About the Company Quicken Loans/Rocket Mortgage currently employs 20,000 team members across North America. According to internal company documents, the lender closed $145 billion in mortgage volume in 2019. While Rocket Mortgage has several physical locations around the United States, these locations exist for team members who work in sales, operations, underwriting, and technology.  This company is known for its excellence in customer service and easy online mortgage application process. Rocket Mortgage also services 99% of the loans it originates, so your home loan is unlikely to be “sold” to another lender. Quicken Loans/Rocket Mortgage has been accredited by the Better Business Bureau (BBB) since 1986, and they boast an A+ rating from the organization. Unique Features If you haven’t applied for a mortgage or taken steps to refinance your mortgage in the last decade, you may be surprised by how much has changed. Where homeowners once had to do everything the old-fashioned way, the majority of the process is now handled entirely online.  This is true with all major mortgage lenders since they can access information (like bank statements and credit reports) without you having to go through the old rigamarole of printing out and faxing documents. However, this is especially true with Rocket Mortgage since they are set up to handle the mortgage process online from start to finish. But, what does this mean exactly? Here are some of the unique features Rocket Mortgage has to offer: Access unique customer service features. This mortgage lender has a helpful online chat feature that makes it easy to get your mortgage questions answered without having to call into customer service. Complete your mortgage application online or over the phone. While Rocket Mortgage makes it possible to speak with a loan expert and begin your application over the phone if you prefer, they are set up to handle the entire process online. You can fill out the full mortgage application and begin the loan process from the comfort of your home and at any time that works with your schedule. Import all of your financial information online. Quicken Loans also makes it easy to upload all of your financial documents online, and you can even give them secondary (temporary)

[ad_1] For those of you who have been asking when we were going to offer a sale on our online courses, I have GREAT news for you! We’ve been hard at work behind the scenes to bring you a BIG Black Friday Weekend Sale — and it’s now LIVE! Through Thursday, December 2, 2021, you can get all of my online courses for 50% off! You can order as many as you’d like at this price! These would make a great Christmas gift for yourself, for a friend, or something to help you get off to a great start in 2022! You might even consider buying one for each of your friends and then you could go through them together and keep each other accountable! See all the details of our 2021 Black Friday Sale here. Black Friday Sale Pricing — Our Best Prices of the Year! Here are all of the courses included in the Black Friday sale: Make Over Your Mornings — just $8.50 (regularly $17) — this is our #1 selling product! Slash Your Grocery Bill eBook — just $8.50 (regularly $17) Make Over Your Evenings — just $8.50 (regularly $17) Blog Start-Up 101 — just $18.50 (regularly $37) WordPress 101 — just $18.50 (regularly $37) Branding Basics 101 — just $18.50 (regularly $37) Content Creation 101 — just $18.50 (regularly $37) Email List Set-Up 101 — just $18.50 (regularly $37) Build Your List 101 — just $18.50 (regularly $37) Facebook Live Strategies Masterclass— just $8.50 (regularly $17) Monetize Your Blog online course — just $63.50 (regularly $127) Want to purchase more than one course? Go to this page and you can add multiple courses to your cart at one time. Here are more details on our three best-selling courses: Make Over Your Mornings — a 14-day online course to help you start your days well. This is our #1 best-selling course and it’s regularly $17, but you can get it for just $8.50 through Thursday at midnight. Purchase it here for just $8.50. Make Over Your Evenings — a successful day begins the night before! Find out how to set up a realistic, workable, and life-impacting evening routine in this 14-day sequel to Make Over Your Mornings. It’s regularly priced at $17, but you can get it for just $8.50 through Thursday at midnight. Purchase it here for just $8.50. Blog Start-Up 101 — Have a great idea for a blog but don’t know where to start? In this popular course, I’ll teach you how to set up your first blog — from start to finish! And you don’t have to have any technical experience to do it! Blog Start-Up 101 is regularly $37, but it’s just $18.50 through Thursday at midnight. Purchase it here for just $18.50. Want to purchase more than one course? You can add multiple courses to your cart when you go to this link here. Happy Savings! I hope you have a wonderful Thanksgiving! P.S. All of these courses come with a money-back guarantee, so if you buy them and decide they just aren’t for you, we’re happy to honor our guarantee — no questions asked! [ad_2] Source link

[ad_1] U.S. consumer spending surges in October; inflation heats up again [ad_2] Source link

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[ad_1] Anthony Hsieh, founder and CEO of loandepot A former loanDepot employee has filed a lawsuit against the company and its CEO, Anthony Hsieh, for allegedly discriminating against him due to his physical disabilities and his sexual orientation. This is the second lawsuit filed this year that alleges a toxic, masculine culture at the California-based nonbank lender. Trevor Dickens, 29, worked for loanDepot from 2015-2017 and 2020-2021, at the call center located in Plano (TX), when the company allegedly refused accommodations for his medical needs and subjected him to humiliation and anti-homosexual slurs.   The lawsuit was filed on Thursday in the United States District Court for the Eastern District of Texas. According to Dickens’s attorney, Mark Robinius, managing partner at Robinius, Espinosa & Wietzel, LLP,  the U.S. Equal Employment Opportunity Commission contacted both parties to engage in mediation, but loanDepot declined. Dickens is seeking $10 million in damages.  LoanDepot, the nation’s second-largest retail lender, didn’t respond to multiple requests for comment.  In his lawsuit, Dickens claims to have suffered an injury to his back in 2015 and, after eight lower back and spinal cord surgeries, relied on a wheelchair to ambulate. Due to his medical conditions, he also made frequent trips to the restroom and could not sit in a chair for long periods without pain, he said in the lawsuit. His job was to receive and make calls to customers and pass them along to loan officers. The lender knew about Dickens’s conditions before he was hired, Dickens’s lawsuit claims. Still, the lawsuit claims that loanDepot’s call center permitted the employees to have only 10 minutes per workday to use the restroom. Otherwise, management would subject them to administrative discipline, a written warning, or, in some cases, termination, the suit alleges. “Under a point system, call center employees received demerits in their LoanDepot human resource file if they left their desks for more than 10-minutes per workday,” the lawsuit states.  Dickens alleges that he submitted physician notes asking his exclusion from the rule, but was allegedly told by management, “you need to be on the phone and not on the toilet.” Dickens also claims that the company refused to accommodate his sexual orientation by punishing him for terminating customers’ calls after they uttered homophobic slurs. The former employee was required to keep potential customers on the phone to gather information, despite anti-gay insults, his lawsuit alleges. “Rather than accommodating Dickens’ sexual orientation, LoanDepot management admonished him for not practicing their ‘rebuttal’ techniques and withstanding the highly offensive verbal abuse from the potential customers,” the lawsuit said. The lawsuit adds that Dickens left the company in 2017, fell into a state of depression and self-medicated with alcohol. In April 2020, after achieving sobriety, he was re-hired. By November, long periods of sitting stationary exacerbated pain and he needed an emergency back surgery. In August of 2021, Dickens resigned. According to the lawsuit, Dickens dreamed of becoming a mortgage loan officer but was never promoted due to physical disabilities and sexual orientation. “We intend to aggressively prosecute this case to win a measure of justice for Mr. Dickens as well as the other gay and disabled people out there who are being forced to endure the chauvinistic and unaccommodating boiler room culture of LoanDepot,” Robinius said in a statement to HousingWire.  In another lawsuit that takes aim at loanDepot’s culture, Tammy Richards, former chief operations officer, includes multiple allegations that male company executives created and enforced a “misogynistic frat house culture” that routinely led to women being harassed and demeaned.  Richards also alleges that Hsieh ordered the sales team to trust borrowers and close loans, disregarding proper underwriting standards. The former executive is seeking $75 million in the lawsuit.  In an SEC filing this month, company management said they do not believe the allegations have merit, but “defending such allegations could result in substantial costs and a diversion of management’s attention and resources.” The post Gay, disabled ex-employee sues loanDepot for discrimination appeared first on HousingWire. [ad_2] Source link

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[ad_1] "Not currently available": Turks can't buy iPhones, other electronics after lira plunge [ad_2] Source link