Sentences with phrase «other borrowers because»

The risk of default by borrowers that issue below investment - grade securities is significantly greater than other borrowers because these borrowers are often highly leveraged and more sensitive to adverse economic conditions, including a recession.

Not exact matches

Rich Palma, president of Golden Pear Funding, said plaintiffs who take out advances receive better protection than borrowers may in other lending situations, because their own lawyers typically review, and often sign, advance agreements.

Because banks and other lenders shy away from borrowers with less than a 25 % down payment as higher - risk clients, mortgage insurance gives people with smaller down payments a better risk profile.

This type of automatic payment is also good for borrowers because, among other things, it has the potential to help a small business eliminate cash flow lumpiness by making more frequent and smaller debits on a daily or weekly basis as opposed to requiring a large loan payment on a monthly basis — although that is not the only benefit to small business owners.

First, governments seek the approval of financial markets because their approval will be critical in determining the cost of borrowing for the government, as well as for other borrowers in the economy.

Because instead of limiting the overall availability of credit like it did in the past, the Fed now limits the credit available to other prospective borrowers by grabbing more for itself, which it then passes on to the U.S. Treasury and to housing agencies whose securities it purchases.

USDA loans are popular with qualified borrowers not only because of the limited need for cash, but also because they have low mortgage insurance premiums and low mortgage rates comparable to other loan products.

Even qualified borrowers who can meet the requirements for other loan products often choose VA loans because they provide great value with their low down - payments and low interest rates.

Compared to many other kinds of loans, the VA Cash - Out is often preferable to veteran borrowers because it's often offered at a lower rate when compared to aconventional cash out loan, and you have the option of repaying the loan over a longer period of time.

Because other lenders offer longer term lengths and lower minimum APRs, borrowers (especially very creditworthy borrowers) might be able to find better rates elsewhere.

Because the main difference between the two groups is their access to different loan policies, any differences in default rates are likely due to tighter bankruptcy standards and wage garnishment policies rather than other factors, like changes in borrower profiles or the economic environment.

[Ward] also indicated the KU experience affected all of her titles at Amazon, even the ones that were not part of the subscription service, «because buyers changed into borrowers, who in turn did not spend money on my other titles.»

They Offer Competitive Interest Rates Compared To Banks That a borrower is not qualified to obtain a loan from a standard bank because of lack of credit or other monetary problems does not automatically imply that the interest rate gotten from a title lender will be exorbitant.

This is because the rates at TD Bank are high compared to other lenders that require borrowers have good to excellent credit.

This is because the payment structure enables high - income borrowers to put their money towards other investments rather than spend it on building equity in their home.

In other words, the delinquency percentage is down not because we have fewer borrowers making late payments or no payments but because the universe of loans is growing faster than the number of delinquent borrowers.

Because LendEdu doesn't charge its users money, they need to make money some other way, and they do so by connecting prospective borrowers (i.e., you) with prospective lenders.

On the other hand, because you now have a clean slate upon which to write your financial future, other creditors see you not as a liability to be avoided, but as a borrower who has no outstanding debt.

Private lenders display a range of interest rates because they determine borrowers» exact interest rates based on their, or their cosigner's, creditworthiness - among other things.

In other words, one reason why lenders may be looking for higher FICO scores beyond FHA loan guidelines is not because they want to make things harder for borrowers, not because they want to raise interest rates, but because they want to make sure that loan officers and underwriters follow FHA standards.

To some extent, the lenders are being fair because with bad credit loans they face an added degree of risk due to the borrower's credit history or other circumstances.

On the other hand, this means that as a borrower you may rack up debt that then continues to expand because of interest rates that are much higher than normal.

And best of all, you are a borrower that has no other debts, which strengthens the belief that the lender has that you will repay your loan because you have little or nothing else to do with your disposable income.

The reason for such help is not because some home buyers didn't lie on their loan applications, or because some lenders didn't look the other way when borrowers were patently unqualified for big loans, or that banks and brokers on Wall Street were not obligated to check the value of securities and properly report them, rather it was a matter of self - interest — fewer foreclosures mean less downward pressure on local home values, including the value of your home and mine.

A secured loan, on the other hand, presents less of a risk to the lender because it is secured against a piece of valuable property — generally a house — that can be seized should a borrower fail to pay.

In other words, the reason private - sector lenders are tightening their credit score standards is not because of borrowers, it's because they want to assure that loan officers and others in the lending process are following the rules.

You replied,» In other words, the reason private - sector lenders are tightening their credit score standards is not because of borrowers, it's because they want to assure that loan officers and others in the lending process are following the rules.

Because they have fewer options than other federal loan borrowers, too many end up in default in many cases.

Too many end up in default in many cases because they have fewer options than other federal loan borrowers.

Because taking out an unsecured loan does not mean that you risk any collateral, more and more borrowers are taking out unsecured loans to pay for purchases like a new car, truck, or other vehicle, a long put - off vacation, education, appliances, furniture, new carpeting or other flooring for the home, or even home renovations or remodeling.

Actually, the reason that longer repayment terms typically come with higher rates is because the longer a lender's money is tied up in one borrower the harder it is for the lender to know that it will turn out to be a better investment than other opportunities that will come up in the financial market.

However, because some of the COFI products do not offer rate caps or other key features to protect the borrower, you need to be particularly careful to study the product before you make your choice.

As regards to credit requirements, the need of a good credit score is essential because the lender has no other assurance of repayment than the borrower's credit behavior.

This is because the target market for SoFi includes borrowers who would have no problem acquiring a loan from virtually any other lender or obtaining 0 % interest credit cards and other funding options.

These low - down - payment loans have waxed and waned in popularity over the years depending on what other loan products are available from lenders; but after the housing crisis, many borrowers turned to FHA lenders because FHA loan guidelines are generally looser than conventional loan requirements.

USDA loans are popular with qualified borrowers not only because of the limited need for cash, but also because they have low mortgage insurance premiums and low mortgage rates comparable to other loan products.

That's why it's known as a reverse loan because with a traditional mortgage it's the other way around, the borrower pays the lender.

This type of automatic payment is also good for borrowers because, among other things, it has the potential to help a small business eliminate cash flow lumpiness by making more frequent and smaller debits on a daily or weekly basis as opposed to requiring a large loan payment on a monthly basis — although that is not the only benefit to small business owners.

We love high yield corporate bonds; they pay a lot more interest than treasuries and also because these are not the greatest borrowers — I'm not talking little companies; think CitiBank and other very big companies that don't have a pristine credit rating — they can not lend money out very long so the maturities of our high yield bond fund is closer in.

OneMain Financial's rewards program sets it apart from other lenders because it encourages borrowers to keep better financial habits.

On the other hand, the WSJ tells us to avoid financial stocks because they might suffer in an economic downturn as borrowers have difficulty paying loans back.

In other words, Hogue looks for great borrowers that may have been turned down by banks because of increasingly strict standards.

On the other hand, a borrower who pays a fixed - rate mortgage of 5 percent would benefit from 5 percent inflation, because the real interest rate (the nominal rate minus the inflation rate) would be zero; servicing this debt would be even easier if inflation were higher, as long as the borrower's income keeps up with inflation.

Variable - rate loans — Option Adjustable Rate Mortgages (Option ARMs) in particular — were especially attractive, because they carried higher fees than other loans and allowed WaMu to book profits on interest payments that borrowers deferred.

Contradictory to common bank loans, and other types of collateralized loans, as a loan lender, we do not discriminate the application of any of our borrowers because of their credit history, occupation, and / or income level.

For example, for the issue of Navient putting people into forbearance when it was not in their best interest, Navient says, «Here, the alleged injury — borrowers entering forbearance without considering alternative repayment plans — was entirely «avoidable» because federally mandated notices and other disclosures provided borrowers with the necessary information to make a «free and informed choice» regarding forbearance and alternative repayment options.»

This is notable because many other student loan refinance companies will lend to borrowers who are still in school or who have left school without obtaining a degree.

However, It can be harder to get approved with SoFi than other lenders because they target borrowers with high credit scores and high - income levels.

This worked for the borrowers at the time because it was a husband and wife, the reverse mortgage was not due and payable until the last borrower left the home and they still had other income which made them able to pay some of their existing payment, they were just no longer comfortable at the entire payment.

3: Credit scores mean little to me if it is above 680 because I look at how much money the borrower makes more than any other criteria, if they make less than 20 % per month of the monthly payment it's a no - go.