Sentences with phrase «excluded from the debt»

DOCTOR PROGRAM FEATURES: • Up to 95 % financing with lender paid mortgage insurance for loan amounts up to $ 850,000 • Up to 89 % financing with no mortgage insurance • $ 1 million maximum loan amount ***** We also have a 80/10/10 to allows us to almost make all loan amount attainable ***** • Student loan debt deferred for at least 12 Months excluded from debt - to - income ratio • Construction - to - permanent financing eligibility — maximum 89 % financing • Primary residence only • PUDs and Condos 720 Minimum Credit Score — Doctor Loan only LTV / = 90 % maximum DTI is 40 %

Previous mortgage liabilities disposed of without release of liability (i.e. divorce, assumed, etc.) can be excluded from the debt calculation if the transaction can be fully documented along with 12 months of mortgage payments by the remaining party

Judgments accounts may be excluded from the debt calculation if less than 10 months remain on the repayment plan.

Must have 12 months cancelled checks from the payer of the court ordered debt in order to exclude from the debt ratio.

GE Capital to refund $ 225 million to 749,000 customers — The No. 1 issuer of store credit cards is paying $ 225 million to 749,000 consumers, with most of the money going to Spanish - speakers excluded from debt relief offers... (See GE Capital)

These are the same agencies as before; they are just working around the new laws since lawyers are excluded from the debt settlement Act.

Not exact matches

Earnings before interest, taxes and one - time items rose 20 % to 4.13 billion kroner ($ 652 million), beating estimates of 3.82 billion kroner Sales rose 2 % on a basis that excludes currency and acquisition effects, compared with analysts projections for growth of 3.2 % Debt reduced by 14 % to 21.9 billion kroner Carlsberg reduced its full - year forecast for gains from currency shifts to 50 million kroner from 300 million kroner.

Adjusted Net Income is defined as net income excluding (i) franchise agreement amortization, which is a non-cash expense arising as a result of acquisition accounting that may hinder the comparability of our operating results to our industry peers, (ii) amortization of deferred financing costs and debt issuance discount, a non-cash component of interest expense, and (gains) losses on early extinguishment of debt, which are non-cash charges that vary by the timing, terms and size of debt financing transactions, (iii)(income) loss from equity method investments, net of cash distributions received from equity method investments, (iv) other operating expenses (income), net, and (v) other specifically identified costs associated with non-recurring projects.

As the latest Annual Report from the Bank of International Settlements states: «In most advanced economies, the fiscal budget excluding interest payments would need 20 consecutive years of surpluses exceeding 2 % of GDP just to bring the debt - to - GDP ratio back to its pre-crisis level.»

(a) Share of total Australian dollar assets (per cent), subcomponents are the share of liquid assets (b) While deposits with other banks are a store of liquidity, they do not contribute to the stock of liquidity held by the banking system as a whole, since the recipient banks will, in turn, need to hold additional liquidity against these deposits; consequently, they are excluded from this table (c) Includes Commonwealth Government Securities and securities issued by the states and territories (d) Includes notes and coins, Australian dollar debt issued by non-residents and securitised assets (excluding self - securitised assets)

Revenue from equities trading as well as advising on mergers, IPOs and debt issuance helped fuel gains at the investment bank, with UBS saying the results would have been even stronger excluding currency effects.

Meanwhile, Albert Edwards of SocGen suggested that there has been an excessive «move away from equities» in recent years — instead of noting, for example, that the volume of U.S. government debt foisted upon the public (even excluding what has been purchased by the Fed) has doubled since 2007, not to mention other sources of global debt issuance, while the market capitalization of stocks has merely recovered to its previously overvalued highs.

Here's an exception: Filers who had a loan modification, foreclosure or short sale last year can exclude the amount of debt forgiven on their principal residence from gross income in 2017.

These include: limiting loans to those with a debt - to - income ratio, excluding mortgage, of 35 percent or less, down from 40 percent; and raising interest rates on loans by between 0.39 percentage point and 1.17 percentage points, depending on the type of borrower and the duration of the loan.

Russianoff's list of less - encumbered nation states is 30 countries long, though an asterisk guides readers to a footnote explaining that, «Nations with less than $ 10 billion in debt, of which we found 25, were excluded from this comparison as we felt this was a fair cut - off.»

Note: Table reports expenditures from all funds (General, State Special Education, Combined GF & Special Education, Total Governmental, Total State Grants, and Total Federal Grants); Statewide totals include expenditures from public charter schools Variable costs include expenditures for Instruction, Student / Instruction Support Services, Other Support Services, and Fringe Benefits; They exclude Operational Expenses, Total Property Expenses, Assets / Reserves, Debt Service, Transfers, and other miscellaneous expenses

As we reported in the July 18 WEAC Legislative Update, referendum restrictions included in the Senate GOP plan would exclude from «shared cost» any amount levied by a district in a prior year for either operating or debt service costs that were authorized by a referendum if doing so would not increase the district's equalization aid entitlement.

But some cancelled debt is excluded from taxable income under 26 U.S.C. § 108.

The act allows homeowners to exclude up to $ 2 million of forgiven mortgage debt from income.6

Lots of people avoid bankruptcy because they do not like the way it sounds, but it can be better over the long haul to start anew, afresh, and begin rebuilding your credit rather than continue to struggle month after month, year after year with little or no progress on debt reduction or rebuilding your credit rating, score, excluding you from the benefits of credit.

Debt cancelled from the short sale, foreclosure, or mortgage modification for Qualified Principal Residences can be excluded from income under the Mortgage Forgiveness Debt Relief Act.

When reaffirming your auto loan, the bankruptcy court is allowing you to exclude this debt from the bankruptcy, meaning you can keep the car and continue to pay under the original or newly negotiated terms.

This is why your suspicion that the American Express charge card won't help overcome the authorized user's lack of a «debt to credit ratio» is valid, since charge card balances are excluded from utilization calculations.

You may be able to exclude the amount of debt that was forgiven by your lender at your primary residence from your taxable income on your 2017 taxes.

Loan forgiveness is considered a source of income under tax rules, but the Mortgage Forgiveness Debt Relief Act allows taxpayers to exclude income from discharge of debt on their principal resideDebt Relief Act allows taxpayers to exclude income from discharge of debt on their principal residedebt on their principal residence.

Mortgage debt reduced through a restructuring or cancelled in foreclosure may be excluded from taxation.

If you're insolvent, forgiven debt is excluded from income taxation, but only up to the amount you were insolvent.

You really have to be tapped out to exclude debt - cancellation income from -LSB-...]

If borrower did not file a tax return, use tax rate of 15 % Installment Debts Less Than 10 Months Old Rule — May be excluded from ratios.

The credit bureau's analysis found that total debt per consumer, excluding mortgages, grew to $ 25,597 in the first quarter of 2011, up from $ 24,497 in the same quarter of 2010.

Debts Paid by Others Documentation requirements to exclude a NON-MORTGAGE debt from qualifying ratios have been simplified.

Farm debts on a 1099 - C also may be excluded, if more than half your income for the previous three years came from farming and the debt was directly related to farming.

The analysis by TransUnion Market Trends shows average consumer debt in Canada, excluding mortgages, fell by two per cent to $ 26,935 in the first three months of 2013 from the fourth quarter in 2012.

«And if a parent or an employer is making the student loan payments, we can even exclude that debt from the loan application, as long as we can see 12 months of documentation of those payments.»

Taxpayers may be able to exclude debt forgiven in a Title 11 bankruptcy, including any of its chapters, from taxation.

Liabilities that are not related to financing activities of an organization (e.g. accrued liabilities, trade payables, tax liabilities, etc.) may be excluded from the calculation of debt because they usually do not affect the financial risk of an organization significantly and any liquidity risk that such liabilities may pose can more effectively be measured under liquidity ratios.

Furthermore, with private lenders, borrowers often have the flexibility to exclude select low - interest portions of their student loan debt from the refinance package if the original rate is more favorable than the rate being offered.

Several commenters recommended that in determining whether an applicant has an adverse credit history, we should exclude debt that is not correlated with credit risk from consideration.

In some instances, it might be wiser to exclude cash from your valuation & just evaluate a potential Debt Adjustment based on Net Interest Expense.

TORONTO — Canadians continue to pile on debt and now collectively owe more than $ 1.5 trillion excluding mortgages, according to the latest figures from Equifax Canada.

Is there a way to file so that the unsecured debt consolidation loan is excluded from the consumer proposal, thus leaving us to continue paying it as we have been and avoiding the debt being turned over to my parents?

According to a Fannie Mae news release, this change «widens borrower eligibility to qualify for a home loan by excluding from the borrower's debt - to - income ratio non-mortgage debt, such as credit cards, auto loans, and student loans, paid by someone else.»

It also means that they often have a high debt - to - income ratio and lack the money for a large down payment, excluding them from taking out many mortgages.

Medical debt — including debt turned over to collection agencies — is excluded from credit reports.

The Internal Revenue Code § 108 excludes the discharge of debt in bankruptcy from its definition of cancellation of debt income as follows:

So, you should consider working with a tax professional when you exclude cancelled debt from your income.

Essentially you are excluding the debt from your bankruptcy.

Students and graduates will still be allowed to exclude loan debt from their debt to income report as long as the debt is in a qualified 18 to 24 - month deferment at the time that the mortgage loan closes.

Some medical - based debt will be excluded from veterans» credit reports too, as long as it was paid down or settled before being deemed delinquent.

To find a better estimate of credit card debt, we found methods to exclude the statement balances of full paying households from our credit card debt estimates.