Sentences with phrase «lower loan quality»

Non-Agency securities, on the other hand, are generally considered to be of lower loan quality and, therefore, pose higher risk for mortgage investors.

Not exact matches

But rising delinquencies have made it harder to raise funds for fresh loans, prompting the sector to review its business model, which tends to attract borrowers with low credit quality.

«Increased losses are emanating from weaker collateral pools in the 2013 - 2015 transactions, which have weaker credit quality including lower FICO scores, higher amounts of extended term loans (over 60 months) and higher LTVs [loan to value ratios],» Fitch Ratings analysts wrote Thursday.

«If there are any negative effects of low rates on net interest income in the future, they should be largely offset by the positive effects of monetary stimulus on the other main components of profitability, such as the quality of loans and therefore on loan - loss provisions,» Draghi added.

Credit card companies and mortgage lenders typically reserve their lowest rates and largest loans for people who have exhibited a quality track record when handling credit.

target and maximum levels, assumed, for Mr. Hoyt's Wholesale Banking Group, continued double - digit loan growth and favorable credit quality; for Mr. Oman's Home and Consumer Finance Group, improvement in the home mortgage business due to cost control and expected improvements in the yield curve favorably affecting earnings from hedging activities; and for Ms. Tolstedt's Community Banking Group, growth in deposits, especially low or no - cost core deposits, continued loan growth, and stable credit loss rates.

Achievement of these goals was considered by the HRC as very challenging, even aggressive, given the expected modest economic growth for 2007 for the financial services industry, the impact and duration of the on - going flat / inverted yield curve (meaning short - term interest rates that are virtually equal to or exceed long - term interest rates, thus lowering profit margins for financial services companies that borrow cash at short - term rates and lend at long - term rates), potentially higher credit losses, fewer available high - quality, high - yielding loans and investment opportunities, and a consumer shift from non-interest to interest - bearing deposits.

Although the bond market is also volatile, lower - quality debt securities, including leveraged loans, generally offer higher yields compared with investment - grade securities, but also involve greater risk of default or price changes.

But with FDIC reports noting that large commercial banks have the lowest level of loan loss reserves in a decade, and showing concerns about deterioration in credit quality and regional risk factors, Superior is a microcosm of a much broader problem.

Asset quality continues to improve with non-performing loan formation at its lowest level since 2011, down 22 % year - over-year, and management expects it to fall even further in 2015.

This kind of transaction is often more cost - effective than a short - term loan, especially if the borrower has a low credit score because the loan depends on the credit quality of the borrower's customers, not the borrower's.

Our well - protected, low leverage loan has an extremely strong credit profile and is consistent with BXMT's strategy of lending on institutional quality real estate with strong sponsorship in gateway markets.

By loaning money to a company with lower credit quality, investors face a higher risk of not receiving all of the promised interest and principal payments.

Neymar was playing full first team football since about 17 akpom has just been loaned out here and there at lower level...... unless we sign more quality players we wont beat chelsea to the title, they are too strong and wengers record against jose does nt fill you with confidence.

Coquelin was on loan in the lower leagues struggling to get a game and look at the quality he's brought to the first - team unexpectedly at an older age than Wilshere now.

With Podolski on his way out and Sanogo looking for a loan, the attack looks particularly low on quality but we'll have to make it work.

Wenger should go full on those last transfer days and recruit 3 more players (I know that is «insane»), but players like Wilshere, Gibbs, Sanogo, just need to be loaned to see for themselves the reality of professional football in lower quality outfits.

Juventus recent transfer activity clearly show the mindset shifting to acquiring younger players both from Italy and Abroad while their ready made replacement transfers continue to flow with several low key quality loan deals making sure they remain competitive both domestically and in Europe.

«Policymakers should note the loan characteristics offered by the program and consider policies that increase the number of quality affordable loan products on the market, particularly in low - and moderate - income communities,» Grinstein - Weiss says.

Even making the payments on a low - interest loan is a heavy burden for many charter schools - a burden that detracts from their ability to offer a high - quality education.

The Charter School Growth Fund invests in CMOs that operate networks of high - quality charter schools, providing grant and loan financing packages that enable these organizations to expand their capacity to serve more low - income and minority students.

FNMA is not an originator but purchased supposedly A or better paper from banks, mortgage companies etc. the very ones that are paying back billions for packaging low quality mortgages as A or better rated and sticking FNMA with the loans.

Meanwhile, the FFRHX fund invests at least 80 % of assets in floating rate loans, which are often lower - quality debt securities, and other floating rate debt securities.

The long end is controlled by the economy as a whole, and its rate of growth, while lower quality bonds and loans also respond more to where the credit cycle is.

High quality low cost, no credit payday loan lenders available online.

Our specialists have picked quality lenders offering the best mortgage loans with the lowest interest rates and very flexible repayment programs.

On the other hand, floating rate loans tend to be lower - quality bonds with higher default risk.

Money has poured into mutual funds that invest in bank loans — often low - quality ones.

Although the bond market is also volatile, lower - quality debt securities including leveraged loans generally offer higher yields compared to investment grade securities, but also involve greater risk of default or price changes.

Adjustable rates allow loan officers to quality people at a lower rate which will directly affect what they will be able to afford on paper.

Use our service to help you get an installment loan from a quality installment lender providing low rates.

Although the bond market is also volatile, lower - quality debt securities, including leveraged loans, generally offer higher yields compared with investment - grade securities, but also involve greater risk of default or price changes.

Lending Club's better loan quality and lower default rate don't mean its investors come off better.

Guest Post by Deanne Loonin (Attorney and advocate for low - income student loan borrowers) Programs to help struggling student loan borrowers will only succeed if servicers effectively do their jobs and provide high quality information and assistance.

Other homeowners may pull cash out to make improvements to their home which may increase its value, lower their loan - to - value ratio and improve the quality of their living situation.

«Defaults on recent low down payment loans, so far, are slow, but that is as much a factor of the good credit quality as it is the strength of the housing market.

Hello, I attended devry between the years of 2012 - 2013 and like many I took out loans to be able to retake courses due to their low quality education.

They bought significant amounts of Alt - A and other lower quality loans for their retained portfolio.

Unlike wild risk takers investing in subprime mortgages — low - quality loans to borrowers with iffy credit — Thornburg stuck to high - quality assets.

«But they end up buying lower - quality cars at a higher price, and oftentimes the loan outlasts the car,» she said.

This can be low credit quality loans, jumbo or large loans, or commercial loans, among others.

«Policymakers should note the loan characteristics offered by the program and consider policies that increase the number of quality affordable loan products on the market, particularly in low - and moderate - income communities,» Grinstein - Weiss says.

That will require the loans be of a higher quality than many of the loans initiated by Lending Club, which has run into problems with its lower quality loan portfolio.

Not only will you benefit from low loan rates, free services that define convenience, and quality products for your needs in all of life's many stages, you'll get so much more when you're a member of America First.

Without the possibility of student loan forgiveness, my quality of life is very low, and seems hopeless.

Our priority is customer satisfaction — after our own bad experiences with payday lending services, we grew tired of seeing lower quality customer service in the payday loan industry.

You should be able to buy good quality solar power systems from reputable installers in the range of $ 3.00 to $ 3.30 per watt for cash purchased systems and $ 3.50 to $ 3.70 for systems funded by a solar loan with a low interest rate.

In this plan, the top high quality value is consistently decreasing like financial loans till lowest value achieved.

Higher loan - to - value ratios (LTVs) are being underwritten with lower quality tenants and lower debt service coverage ratios, as well as more interest - only loans.

I invested in lower quality loans hoping to get 12 - 14 %, but 10 % is ok.