Sentences with phrase «much as a mortgage»

And the story of why the LePeres are now paying as much as their mortgage payment on insulin, even though they have insurance and even though there are competing drugs on the market, is really the story of what has happened to the healthcare industry in America since the start of the century.

I had no idea what I was getting myself into until my first day when I figured out that «specialist» meant placing follow - up phone calls to all the poor souls that felt too bad to say no to the fresh out of college salesman that got their names from some family member or friend throwing them under the bus and had to sit through the torturous hour demonstration involving knives that cost as much as your mortgage cutting through pennies, rope and leather.

This is a way to pay a small part of the cost of your outerwear during each week that you use it, much as a mortgage spreads the cost of a home across your working career.

Not exact matches

As a result, the firm hasn't seen much change in the overall size of its loan book, despite overall growth in the non-bank residential mortgage industry.

The library should contain as much of what you do not know as your financial means, mortgage rates, and the currently tight real - estate market allows you to put there.

But just days after Morneau dropped his bombshell, the company announced the new rules will directly impact about 41 % of its insured residential mortgages, leading to an anticipated drop of as much as 10 % of its originations.

First National — Canada's largest non-bank mortgage lender, originating $ 22 billion in loans each year — reacted swiftly, announcing Tuesday that Morneau's moves will impact about 41 % of its insured residential mortgages and that it anticipates a drop of as much as 10 % in originations of this kind, because its loans will no longer qualify for insurance.

Abramowicz foresees another sort of ripple effect in the event of a market correction: As homeowners with those short - term private subprime mortgages struggle to figure out how to refinance in a much more constrained market, they may opt to default and cut back on consumer spending.

Nor do they have as much of an incentive to go overboard with insuring mortgages because of their bottom - line discipline and the fact 90 % of what they insure is government backed compared to the CMHC's 100 % backing.

For example, mortgage brokers spend as much as 90 % of their time processing applications, and could instead spend more time advising clients.

Canada's big banks have binged on mortgages as much as anyone, but they aren't one - trick ponies.

While that policy was a matter of necessity as much as principle, there were other places where Flaherty clearly let his convictions guide him: there was his elimination of income trusts; his ongoing fight to create a national securities regulator; and his efforts to rein in the Canadian Mortgage and Housing Corporation.

Buy as much coverage as you can afford — and certainly enough to pay off your mortgage, educate your kids, and replace five or more years of your salary.

March 23: U.S. Treasury Secretary Timothy Geithner unveils plans to buy as much as US$ 2 trillion in unwanted mortgages and other «toxic assets» from banks.

Whether you're shopping for a car loan or the right mortgage or are trying to find the right financial planner or investment vehicles, you'll be able to make decisions wisely and confidently when you have learned as much as you can about the topic.

The suggested fixes include capping loans at 65 per cent of the home value, introducing new and more conservative means of estimating how much a residence is worth, and amortizing the loans (meaning that borrowers would have to repay the principal within a certain time frame, as in a mortgage, whereas now they can simply keep paying interest on their HELOCs).

Rent a suite in the basement to pay the mortgage, keep working up the ladder every 10 years as your equity increases, don't worry too much about paying the mortgage off, and never be out of the market.

In fact, this handy Bankrate mortgage tax deduction calculator shows how much you could save in income taxes when you itemize a mortgage interest tax deduction, as well as your mortgage points (more on that in a bit).

Credit availability tightened as underwriting practices became much more restrictive, even for plain vanilla mortgages.

Thus, they can not rely as much on the value of the housing collateral in securing their mortgage loans, and consequently now put more weight on the credit histories of the borrowers.

You can pretty much think of jumbo loans as mortgages for rich people.

Low mortgage rates have not been much help in offsetting these big price gains, and in fact may be exacerbating the problem, especially if rates begin to rise as is widely expected.

If you signed an FHA mortgage agreement before June 3, 2013, then removing your mortgage insurance premium works much the same as it does for PMI insurance.

Automatically communicates with clients at critical times such as during the New Application stage, during Closing, for Birthdays, on Mortgage Anniversaries for Mortgage Maturities and much more!

Since its January 2016 launch, Better Mortgage has funded more than $ 500 million in home loans and expects to fund as much as $ 1.5 billion this year.

If you have limited or no equity or owe as much or more on your current mortgage than your home is worth, then you might find the government's HARP program helpful.

As interest rates in Europe fell to unfathomably low levels over the last decade, lenders found themselves in a tough position: Mortgage interest — and therefore income — fell in lock step with the Euribor, and yet banks only had so much leeway to cut interest paid on deposits, which are their primary source of funding for mortgages.

It does kind of bum me out that I may have lost a small opportunity to take advantage of bearish markets but no sense in kicking myself too hard, it doesn't bother me as much as it used to and I think that's because amidst not being able to purchase discounted blue chip stocks, I ended up buying a house with help from my parents, and now I am a home owner with no mortgage (just a debt to my parents which I hope to pay off ASAP).

Although a total of $ 800,000 in real estate crowdfunding sounds like a lot, I view it as buying a $ 800,000 portfolio of 12 + different properties across the country at much lower valuations and much higher net rental yields compared to having $ 2,740,000 in one very expensive rental property in San Francisco that is now at risk of depreciating due to declining rents and new tax legislation that limits mortgage interest deduction and SALT deduction.

«[In 2009], with the tower's reserve funds nearly exhausted and the owner losing as much as $ 30 million, the mortgage holder appointed a «special servicer» to oversee 666 Fifth Avenue.

This is serving to keep sales of existing homes from rising much, even as the economy, mortgage market and demographic conditions continue to fuel consistent demand.

Because g - fees have increased substantially from roughly 0.2 percent pre-crisis to well over 0.5 percent currently, lenders are finding it much more profitable to retain higher quality mortgages and keep the g - fee income, as opposed to selling and ceding g - fees to the GSEs.

The study points out that borrowing so much could stretch these young peoples» budgets, especially when one considers many also may have a mortgage, as well as significant student debt.

Lenders strive to generate «prime mortgages» as much as possible, because these loans are less risky and easier to sell into the secondary market.

Borrower «A» (who used a 30 - year mortgage loan) ended up paying nearly three times as much in total interest over the life of the loan.

But as necessary as a mortgage may be, how can you tell how much mortgage you can afford?

So it probably won't have much of a lifting effect on mortgage rates as we head into 2015.

When it comes to mortgage approval, much depends on the borrower's total debt load at the time of application, as well as the payment history.

Adair Turner, former chief regulator of the British banks, argues that we need to reign in the growth of unproductive private debt by imposing tighter controls on banks through much higher capital requirements and by imposing limits on borrowing, such as maximum loan to value mortgage rules.

Listen in as we discuss: What is a reverse mortgage and why do we hear so much about them?

No real estate agent is going to care about saving money on your mortgage as much as you do.

When thinking about your down payment, note that some home deposits will equal as much as 3 % of your offer amount for an earnest money deposit plus another 20 % in mortgage down payment.

FHA mortgage rates have been as much as 25 basis points (0.25 %) lower than rates for comparable conventional loans.

VA mortgage rates are lower than comparable conventional rates by as much as 37.5 basis points (0.375 %).

PMI enables borrowers to make a much smaller down payment — as low as 5 % on a conventional mortgage loan.

Even if the Fed raises its benchmark rate three times in 2017, as it predicts, mortgage rates will not likely increase nearly as much — or at all.

Both options are worth considering, though, because VA mortgage rates can be lower than conventional rates by as much as 37.5 (0.375 %) basis points, which can increase the profitability of your rental.

With banks not lending as much as they once did, more and more borrowers are turning to commercial mortgage brokers or consultants for help with their capital needs.

The goal of the short sale is to recover as much of the remaining mortgage debt as possible.

Much like securitized residential mortgages prior to 2008, many see New York retail as a safe, low - maintenance asset that will almost inevitably rise in value in the long term, as it has in the past.