The main benefit, however, is that lenders won't
demand high credit scores from their candidates.
The result is that
they demand higher credit standards (typically higher operating cash flow) of their borrowers.
However, Quicken says that while it has
demanded higher credit scores than required by FHA rules, it's now changing that practice:
Credit cards with rewards typically will
demand the highest credit score.
With lenders
demanding higher credit scores and more equity, refinancing has truly become a commodity.
Another easy fix to a «loose» lending market is
demanding higher credit scores, or holding greater credit standards, to get a car loan.
Because such loans are large for their region or metro area, lenders may place special requirements on them (
demanding a higher credit score or certain down payment).
Not exact matches
Important factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost of accommodating, announced increases in the build rates of certain aircraft; 6) the effect on aircraft
demand and build rates of changing customer preferences for business aircraft, including the effect of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution of key milestones such as the receipt of necessary regulatory approvals, including our ability to obtain in a timely fashion any required regulatory or other third party approvals for the consummation of our announced acquisition of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact on the
demand for air travel or our operations from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension plan assets and the impact of future discount rate changes on pension obligations; 17) our ability to borrow additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price for our announced acquisition of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect of changes in tax law, such as the effect of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect of such changes; 21) any reduction in our
credit ratings; 22) our dependence on our suppliers, as well as the cost and availability of raw materials and purchased components; 23) our ability to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our
credit facility may not be adequate for our additional capital needs or for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving
credit facility to
higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions for ourselves and Asco as a result of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally, including fluctuations in foreign current exchange rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among other things.
Credit remains historically tight, but the logic of
higher prices and increased
demand is impossible for builders and real estate lenders to ignore forever.
Charlie Chen of
Credit Suisse says
demand patterns by Chinese consumers are evolving from safety concerns to seeking
high - quality goods.
A downgrade by a
credit rating agency usually means investors will
demand a
higher interest rate when a company goes to raise cash by issuing bonds or other debt.
Millennials may be better educated than earlier generations, but
Credit Suisse's researchers said they expected only a «minority of
high achievers and those in
high -
demand sectors such as technology or finance to effectively overcome the «millennial disadvantage.»»
As a result, it is now clear that the U.S. is in the latter stages of the multi-year
credit cycle, a period when rising corporate leverage negatively affects returns to corporate debt as investors
demand higher risk premiums to compensate for the greater volatility created by increased leverage.
The global synchronized economic expansion, a business - friendly administration in Washington, solid corporate
credit quality, modest default activity, robust equity markets and a favorable supply -
demand balance set a strong backdrop for
high yield in the New Year.
Housing prices surged ever
higher as greater
credit availability increased the
demand for homes by bringing a greater number of buyers into the market.
This has contributed to California enjoying its
highest credit rating since the turn of the century, Bloomberg reports, and caused
demand for its municipal debt to climb.
This is a clear sign that while Treasury yields may raise, and volatility spike, the
demand for USD
credit remains very
high and as soon as there are signs of weakness, investors buy the dip.
Market contacts have reported that it also reflects the relatively
high level of swap rates — a common benchmark for price - makers» funding costs — for reasons related more to the
demand for funds than to
credit concerns.
The Board's assessment throughout this period has been that, with strong growth, a gradual increase in underlying inflation, and firming
demand for
credit, interest rates needed to rise to lessen the risks of
higher inflation in the future.
Still, ongoing
demand for financing amid a low income environment and slightly
higher interest rates suggests that
credit risks in the farm sector still remain a focus for 2018.
Adds NAR's economist Lawrence Yun, the combination of continued job creation and easier
credit standards should support continued
demand even with moderately
higher mortgage rates.
Sen. Kirsten Gillibrand (D - NY) was in Syracuse this week promoting legislation that will give employers a $ 5,000 tax
credit for training workers in an apprenticeship program in
high -
demand industries.
Early college access: Spend $ 9 million to expand the state's Early College
High School program, which gives high school students early access to college credits in high - demand industries such as technology, sports management and fina
High School program, which gives
high school students early access to college credits in high - demand industries such as technology, sports management and fina
high school students early access to college
credits in
high - demand industries such as technology, sports management and fina
high -
demand industries such as technology, sports management and finance.
As a remedy, it provides «college and workplace readiness benchmarks» designed to help states align their
high - school assessments and graduation requirements with the
demands of
credit - bearing college courses and quality jobs.
They include Emily Callahan and Amber Jackson, who are using their skills and intellect to turn oil rigs into coral reefs; Nate Parker, the activist filmmaker, writer, humanitarian and director of The Birth of a Nation; Scott Harrison, the founder of Charity Water, whose projects are delivering clean water to over 6 million people; Anthony D. Romero, the executive director of the ACLU, who has dedicated his life to protecting the liberties of Americans; Louise Psihoyos, the award - winning filmmaker and executive director of the Oceanic Preservation Society; Jennifer Jacquet, an environmental social scientist who focuses on large - scale cooperation dilemmas and is the author of «Is Shame Necessary»; Brent Stapelkamp, whose work promotes ways to mitigate the conflict between lions and livestock owners and who is the last researcher to have tracked famed Cecil the Lion; Fabio Zaffagnini, creator of Rockin» 1000, co-founder of Trail Me Up, and an expert in crowd funding and social innovation; Alan Eustace, who worked with the StratEx team responsible for the
highest exit altitude skydive; Renaud Laplanche, founder and CEO of the Lending Club — the world's largest online
credit marketplace working to make loans more affordable and returns more solid; the Suskind Family, who developed the «affinity therapy» that's showing broad success in addressing the core social communication deficits of autism; Jenna Arnold and Greg Segal, whose goal is to flip supply and
demand for organ transplants and build the country's first central organ donor registry, creating more culturally relevant ways for people to share their donor wishes; Adam Foss, founder of SCDAO, a reading project designed to bridge the achievement gap of area elementary school students, Hilde Kate Lysiak (age 9) and sister Isabel Rose (age 12), Publishers of the Orange Street News that has received widespread acclaim for its reporting, and Max Kenner, the man responsible for the Bard Prison Initiative which enrolls incarcerated individuals in academic programs culminating ultimately in college degrees.
; Scott Harrison, the founder of Charity Water, whose projects are delivering clean water to over 6 million people; Anthony D. Romero, the executive director of the ACLU, who has dedicated his life to protecting the liberties of Americans; Louise Psihoyos, the award - winning filmmaker and executive director of the Oceanic Preservation Society; Jennifer Jacquet, an environmental social scientist who focuses on large - scale cooperation dilemmas and is the author of «Is Shame Necessary»; Brent Stapelkamp, whose work promotes ways to mitigate the conflict between lions and livestock owners and who is the last researcher to have tracked famed Cecil the Lion; Fabio Zaffagnini, creator of Rockin» 1000, co-founder of Trail Me Up, and an expert in crowd funding and social innovation; Alan Eustace, who worked with the StratEx team responsible for the
highest exit altitude skydive; Renaud Laplanche, founder and CEO of the Lending Club — the world's largest online
credit marketplace working to make loans more affordable and returns more solid; the Suskind Family, who developed the «affinity therapy» that's showing broad success in addressing the core social communication deficits of autism; Jenna Arnold and Greg Segal, whose goal is to flip supply and
demand for organ transplants and build the country's first central organ donor registry, creating more culturally relevant ways for people to share their donor wishes; Adam Foss, founder of SCDAO, a reading project designed to bridge the achievement gap of area elementary school students, Hilde Kate Lysiak (age 9) and sister Isabel Rose (age 12), Publishers of the Orange Street News that has received widespread acclaim for its reporting, and Max Kenner, the man responsible for the Bard Prison Initiative which enrolls incarcerated individuals in academic programs culminating ultimately in college degrees.
The new law gives «
credit» in the accountability system to schools where students complete industry - recognized certificates in areas of
high demand, as established by existing regional workforce development boards.
Credit recovery courses (online)-- Online courses that allow students to make up failed
credits needed for
high school graduation or be on track to enter
high school prepared to meet the
demands of a college - preparatory curriculum.
When students meet that bar, they — and their parents — will
demand that
higher education recognize their accomplishment in a meaningful way, both by guaranteeing them placement into
credit - bearing courses and by ensuring that those introductory courses build on what they have learned in
high school.
HIGH -
DEMAND BACKSTORY: This dynamic duo's
credits will be supercharged by a national publicity campaign including a tour, an activity kit, and promotional items and posters.
The nature of supply and
demand for the housing you seek plays a big role, as does the landlord: If you have a
high income and glowing references from prior landlords, for example, they may be willing to rent to you despite your
credit rating.
However, as a reaction to the surge of poor
credit borrowers and the
high demand for flexible loan programs, lenders have recognized a growing (and profitable) lending market and have started designing poor
credit home loans to meet the surge.
Simply, investors
demand a
higher interest rate from companies with a suspect
credit and earnings history.
That doesn't mean the government can take
credit and
demand full allegiance and
high taxes.
This loan helps middle - to low - income buyers compete in
high -
demand areas (San Luis Obispo County) by offering loose
credit guidelines and flexible down payment options.
While the terms and rates are very restrictive, there is a
high demand for cash advances, encouraged by borrowers with bad
credit.
While
credit funds are indeed sniffing around more highly - levered products like asset - backed securities, CLOs and derivatives, prime brokers and traders say the
demand for leverage in the form of borrowed cash from Wall Street lenders has not been
high.
«Usually, when interest rates start going up, it's a sign of an improving economy, increasing
demand for
credit, and probably
higher inflation.
I do agree that for
higher priced homes and vacation homes, the interest
credit should be lowered / eliminated, but for the average American it helps increase
demand and make housing affordable.
Yields are at historic lows and
demand for bonds have remained quite
high ever since the
credit crisis of 2007 - 08 for a variety of reasons:
While the
demand for
credit cards among this age group appears to be
higher than most, the approval rates are less than impressive.
They have
high operating leverage, and will only prosper when
demand is strong /
credit is good.
Dealers who discover your poor
credit can
demand a
higher down payment from you and make the process difficult.
Lenders gave loans to people with poor
credit and a
high risk of default because central banks tried to stimulate the economy with lower interest rates and increasing
demand for mortgages.
It is possible to get better rates with a relatively good
credit score and
high annual income even if bad
credit mortgage lenders in Wasaga Beach do not
demand it.
While this assures banking institutions of profits, many people fail to meet their
demands for a
high credit score.
Increased equity driven by
higher home values and recovering
credit scores are creating increased
demand for cash - out refinacings, which have risen to a post-recession
high.
Too many people get on their
high horses and
demand the elimination of
credit cards.
Banks and mortgage companies reject about half of all borrowers because they don't meet stricter
demands for better
credit scores,
higher incomes and fewer debts.
But some experts say that any decline in home equity balances could be offset by
higher demand for auto,
credit card and other consumer loans, experts say.