Because the last cash -
in refinance we did had us bring in a good chunk of cash that put us ahead of schedule to the 7 - year plan.
From October 2011, the FHA endorsed $ 15.3 billion in refinanced government - insured loans, down more than 53 % from the $ 36.2 billion
in refinances done in the previous 12 months, according to its December book of business report.
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.
In real estate, we talk about
refinancing to lower monthly payments... Continue reading
Did You Know You Can
Refinance Almost Anything?!?
A small drop
in interest rates
did nothing to spur
refinances.
Whether you are thinking about
refinancing or
in the process of
doing so, you may wonder how your credit impacts your options.
«What a lot of people don't know is that for every $ 3
in student loans outstanding, $ 1 could be
refinanced at a lower rate,» Credible founder and CEO Stephen Dash tells NBC News Business and Tech Correspondent Olivia Sterns.
For Pennsylvanians thinking about
refinancing a current mortgage, we found a much wider range of available rates
in each mortgage type than we
did for purchase mortgages.
CommonBond's average savings methodology excludes
refinance loans during the period mentioned above
in which members elect a
refinance loan with longer maturity than their existing student loans, the term length of the member's original student loan (s) is greater than 30 years, and the member
did not provide sufficient information regarding his or her outstanding balance, loan type, APR, or current monthly payment.
The calculation is a weighted average dollar savings of CommonBond
refinance loans and assumes interest rates will not change over time, members make all payments on time, members enroll
in ACH, and they
do not pre-pay their loans.
CommonBond's average savings methodology excludes
refinance loans during the period mentioned above
in which members elect a
refinance loan with longer maturity than their existing student loans, the term length of the member's original student loan (s) is greater is than 30 years, and the member
did not provide sufficient information regarding his or her outstanding balance, loan type, APR, or current monthly payment.
You'll want to
do a side - by - side comparison of your repayment terms to understand if
refinancing will truly benefit you
in the end.
That is not something Whiting Petroleum can afford to
do, because it has $ 1.5 billion of debt maturing
in 2019 and 2020 that it might not be able to
refinance if crude were to crash again.
This is precisely why your mortgage professional doesn't want you to make any major purchases or open new credit accounts if you're
in the process of buying a home or
refinancing.
With these two figures
in mind, you can
do the math to find out if
refinancing will benefit you.
For example, if you're thinking about
refinancing your home to take out capital,
did you know leveraging your retirement funds instead through ROBS would save you money
in interest and monthly payments?
Generally, home buyers who plan to stay
in the home and don't plan to
refinance might consider buying out their mortgage insurance via LPMI or a borrower - paid single premium.
Rates on fixed mortgages — such as the 30 - year for purchases and the 15 - year for
refinances — don't follow
in lockstep with the fed funds rate — it's actually tied more closely to the yield on the 10 - year Treasury note, which is also on the rise.
In many cases, they
do not have to re-verify the home value or current income, making the HARP loan very close to a conventional streamline
refinance.
But how
does this affect home buyers
in 2015, or homeowners who are planning to
refinance?
But homeowners can
refinance into conventional if they
do not have a full 20 %
in equity.
Streamline
refinance refers only to the amount of documentation and underwriting that the lender must perform, and
does not mean that there are no costs involved
in the transaction.
It's important to keep
in mind that
refinancing comes with costs, such as closing fees, and may require you to present many of the same documents during the application process as you
did with your original home purchase.
Borrowers may
do a cash -
in refinance or a «limited cash - out»
refinance only.
In today's market, there's much debate about what type of mortgage to get - an adjustable - rate or a fixed mortgage - and how
do you know when it's time to consider
refinancing an adjustable - rate mortgage?
If
done right,
refinancing can potentially save you thousands
in interest payments.
Cash out
refinance rates move up and down
in the same way «regular» mortgage rates
do, but they are not the same.
(There was a Streamline
Refinance With Appraisal program that allowed you to
do this, but the FHA retired it
in late 2016.)
In summary, be sure to
do the math and plenty of shopping around to determine which type of
refinance is best for you.
The VA loan at Veterans United doesn't offer particularly low interest rates, but its ability to finance a home purchase or mortgage
refinance anywhere
in the US makes it a versatile option for servicemembers who may not be sure of where they'll end up
in the near future.
The Federal Housing Administration
does not extend the FHA Streamline
Refinance to homeowners who are behind
in their payments, or who have a history of falling behind on the payments.
When I went through the process of
refinancing my home, I had to explain large deposits and transfers
in and out of my account — just like I
did with my original mortgage.
In that situation, your breakeven point is immediate because you don't have to put any money down to
refinance.
While it has a low payout ratio (dividends are only 61 % of FFO) and a low MCX ($ 16 - 17 million), it
does have a need to
refinance in the next twelve months because of rising interest costs and principal repayments.
However, if you
do all the things
in the previous step, your out of pocket cost to
refinance your mortgage rise to $ 12,980.
Even if you don't formally
refinance the loans
in your child's name, you can sit down and explain your financial concerns.
They haven't even
refinanced their Pirelli bridge loan yet and at least
in the Pirelli case they don't seem to guarantee those loans:
The
refinancing avoided foreclosure, but
did obligate the district to raise tax revenues if the golf course
did not bring
in enough money to pay the debt.
When he visited Syracuse University
in February, he held a brief press conference about the Reducing Educational Debt Act, a bill that would make the first two years of community college free, allow student loan borrowers to
refinance at lower rates and increase the number of Pell Grants, which, unlike loans,
do not have to be paid back.
«The cleanest way is just to
refinance those bonds, which
in the scheme of how much debt the Thruway Authority has, would be pretty easy to
do and not much of a burden,» Cure said.
So if the Current Asset: Current Liability ratio is less than 1, chances are, the company isn't
doing very well — they can't pay back all the money they owe with the cash they'll have on hand and will have to start selling long - term assets, or look at
refinancing the company,
in order to pay their short - term bills.
Another benefit to the use of ARMs
in mortgage
refinancing is that the rate resets are automatic, so that borrowers
do not have to
do through the difficult and often arduous process of
refinancing their mortgages.
At the time, the bond industry news covered it
in depth, California's Cash - Out Deals Stir Debate and so
did the San Jose Mercury News School districts, including many
in valley, on thin ice
in refinancing bond debt.
She previously worked
in the Mountain View - Whisman District, which
did a cash - out
refinancing, as
did dozens of area districts.
I have mixed feelings about my car because I
do love the vehicle but this fact voided the residual warranty and the bank turned me down to
refinance because it was originally
in a different country.
However,
do bear
in mind that
refinance makes sense only if you have a substantial amount of years left
in your loan tenure.
I'm
in a similar situation, but with the way the market is right now and knowing the current value of our house, even with all the updates we
did,
refinancing wouldn't be an option for us.
Don't
refinance your home unless you have a good idea of where you'll be
in the next five or more years.
You must have equity
in your property to
do a cash - out
refinance.
If saving month every month is your
refinancing goal, you need to be careful that it doesn't harm you
in the long - run.