Sentences with phrase «qualifying rate increases»

Not exact matches

«(With an alternative lender), the interest rates are higher, the qualifying rate is higher than if you were going with a traditional bank and they are going to charge one per cent of the mortgage amount (as a lender's fee) for closing, so that means your closing costs increase.»

And, because flex workers are better qualified to help customers, they generate more income per call through increased sales conversions, greater average order sizes and higher customer satisfaction rates.

The company increased the rate of qualified sales leads by 20x.

Although a strong profile is not a guarantee your business will qualify for a loan or even a guarantee of better rates, a good profile will increase the number of loan options available.

Through progressive profiling, your business is able to gather the right information about your leads to further focus your message and increase qualified conversation rates.

Applying with a co-signer can help you increase your chance of qualifying for refinancing, and could also help you get a better interest rate than you would get if you applied by yourself.

By understanding what queries qualified visitors to your website type into search engines, search marketers can better customize their landing pages to increase conversion rates.

Property values have risen, and even a 20 - point increase in your credit score might qualify you for a lower mortgage rate now.

When mortgage interest rates increase, monthly mortgage payments also increase, along with the minimum qualifying income to afford a median priced home in California ($ 550,990) with a 20 percent down payment.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

Families qualifying for tuition reduction at the same rate as in the previous year are expected to increase their tuition payments at least commensurate with the tuition raise.

The May 1, 2011 - April 30, 2015 agreements with police dispatchers, telecommunications operators, and public works and building maintenance employees and upper police management: • * increase required employee contributions to participate in conventional preferred provider organization health plans, • * provide financial incentives to employees to switch to consumer - directed plans or managed - care plans, • * provide village funding of 40 percent of the deductible for high deductible health plans with health savings accounts and • * require employee participation in annual wellness and health risk assessment screenings in order to qualify for best rates.

Often, faculty and staff scientists with different kinds of expertise partner, providing a diversity of experience that is beneficial to both the individuals and to science.1 Combining the skills and interests of a PI with those of a highly qualified staff scientist can amplify a lab's success rate and increase overall progress.

With the current low tax rates applied to qualified dividends received on or before December 31, 2010, and the possibility of these rates being increased sooner under an Obama presidency, it is critically important for both C and S corporations (and their shareholders) to understand the ordering rules and tax ramifications of corporate distributions fully — before they are made.

For those who claim the MPAA ratings haven't grown more tolerant of increased violent content, Mr. and Mrs. Smith definitely qualifies as «Exhibit A.» The inclusion of a sexual expletive, discussions of sex, and portrayals of sexual activity, along with dozens of killings suggests the next death may be the trust families have for the motion picture rating system.

[This could] lead to higher turnover rates because people would look to those positions as short - term moneymakers If schools are looking for highly qualified, professional people, they would pay the increased amount and continue to provide the tenure protection as well.

When Congress increases the maximum Pell Grant faster than the rate of inflation (which it tends to do over long periods of time because college prices rise faster than inflation) but does not make commensurate changes to the eligibility formula, more middle - income families qualify for a grant.

So if the maximum Pell Grant increases faster than the rate of inflation over time, but the EFC for a middle - income family increases at only the rate of inflation, more families will qualify for a grant at the margin.

Mitchell suggests that while the pool of qualified and committed teachers of color is increasing, these same teachers are leaving the profession at higher rates than white teachers, drawing upon research findings that «many nonwhite educators feel voiceless and incapable of effecting change in their schools.»

High school graduation rates have steadily increased, and the percentage of students who are qualified for college increased by almost 50 percent.

-2.0 Liter TwinPower Turbo Direct Injection 4 - Cylinder with 240HP and 255 lb - ft Torque -8-Speed Sport Automatic Tranmission - xDrive All Wheel Drive - Driving Dynamics Control with ECO PRO, COMFORT, SPORT, and SPORT settings - Dynamic Stability Control with Dynamic Traction Control - Brake Fade Compensation, Start - Off Assistant, Brake Drying, and Brake Stand - by features -4-Wheel Ventilated Disc ABS Brakes with Dynamic Brake Control and Cornering Brake Control - Dual Front Impact and Front Side Impact Protection - Rollover Protection System - Power Convertible Top M Sport Package (a $ 2,600 Option): - Aerodynamic Kit - Rear Spoiler - Shadowline Exterior Trim - Anthracite Headliner - Brushed Aluminum Trim - High - Gloss Black Accent - Full Power Sport Seats - Increased Top Speed Limiter - M Steering Wheel - M Sport Suspension -18» M Sport Alloy Wheels (Style 461M) Lighting Package (a $ 900 Option): - Xenon HID Headlamps - Adaptive Light Control Driver Assistance Plus Package (a $ 700 Option): - Active Driving Assistant - Lane Departure Warning - Forward Collision Warning - Pedestrian Warning - City Collision Mitigation - Speed Limit Info Display Driver Assistance Package (a $ 950 Option): - Rearview Camera - Park Distance Control Technology Package (a $ 2,150 Option): - Navigation System - BMW Online and BMW Apps - Advanced Real - Time Traffic Information - Remote Services - Instrument Cluster with Extended Contents Harman / Kardon Premium Sound System (a $ 875 Option): - HD Radio - USB Audio Connection - Auxiliary Audio Jack - Bluetooth Streaming Audio and Phone Connectivity Enhanced Bluetooth and Smartphone Integration (a $ 500 Option) Cold Weather Package (a $ 700 Option): - Heated Steering Wheel - Heated Front Seats - Retractable Headlight Washers Premium Package (a $ 3,400 Option): - Ambiance Lighting - Auto - Dimming Interior Exterior Mirrors - Auto - Dimming Rearview Mirror - Universal Garage Door Opener - Dual Power Front Seats with Lumbar Support - SiriusXM Satellite Radio - Comfort Access Keyless Entry Anti-Theft Alarm System (a $ 400 Option) BMW Assist eCall and TeleServices - iDrive System with 6.5» Full - Color Display, Center Controller, and 6 Programmable Buttons - Rain - Sensing Windshield Wipers - Automatic Climate Control - Automatic Headlamp Control - Front Fog Lamps - Through Loaded Rear Seat... and all other standard 2 - Series features * This Vehicle Qualifies for Our Low Rate Financing Special!

On April 6, the minimum contribution rate for workers automatically enrolled in qualified workplace pension plans under the auto - enrollment (AE) program increased from 2 percent (split equally among employers and employees) to 5 percent of covered earnings (2 percent is paid by employers and 3 percent by employees).

Also, for people with poor credit who can't qualify for an unsecured loan or a loan with a more favorable rate, they can put up some collateral and increase their chances for loan approval with a secured loan.

Applying with a co-signer can help you increase your chance of qualifying for refinancing, and could also help you get a better interest rate than you would get if you applied by yourself.

Most current FHA loans qualify for a no out - of - pocket cost streamline refinance loan that lowers your FHA interest rate and reduces your monthly mortgage payment without increasing the principal amount owed on your first mortgage.

If you are interested in learning how interest rate increases affect reverse mortgages, and would like to know how much loan proceeds you may qualify to receive,

When you qualify for the loan, you are not qualified for monthly payments on the cap (i.e., the most the interest can increase), but rather the current interest rates.

Although you may get financing with bad credit — in the 620 - to 500 - range — it will cost you significantly more, increasing your interest rate by more than 10 percent and making it much more difficult to qualify.

When it comes to life insurance, a wide range of health problems can be considered as pre-existing medical conditions and can either increase your rates or cause you to not qualify for coverage.

Though funds that employ a long - term investment strategy may pay qualified dividends, which are taxed at the lower capital gains rate, any dividend payments increase an investor's taxable income for the year.

Lower mortgage rates bring new chances for homeowners to refinance, while also allowing potential homebuyers to qualify for larger mortgage loans without increasing their monthly payment.

If, however, you have had credit problems in the past or you are in the process of rebuilding your credit and don't qualify for the Walmart card, you may need to work with a secured credit card such as the Capital One ® Secured MasterCard ® until you increase your credit rating.

To qualify for a customer relationship discount, you may be required to maintain a qualifying Wells Fargo consumer checking account and make automatic payments from a Wells Fargo deposit account — if automatic payments are required but not selected, or are canceled for any reason at any time after account opening, the interest rate and the corresponding monthly payment may increase.

Still, if you follow these basic guidelines, there's no reason you won't be able to qualify for a personal loan which can help dramatically increase your credit rating.

In addition, you'll likely qualify for credit cards with a 0 percent interest introductory annual percentage rate, save thousands on a mortgage by obtaining a low interest rate, and enjoy periodic credit limit increases on your accounts.

All mortgage applications moving forward will undergo qualifying «Stress Tests» whereby affordability ratios will be calculated based on the Bank of Canada Benchmark rate of 4.65 % to determine if borrowers will be able to afford their mortgage payments in the event of a rate increase.

If you do not qualify on your own, you can potentially apply with a co-signer which could increase your chances of getting a lower rate or qualifying for student loan refinance.

Although a strong profile is not a guarantee your business will qualify for a loan or even a guarantee of better rates, a good profile will increase the number of loan options available.

Correcting these mistakes can increase your credit score so you can qualify for loans and new credit lines at the lowest interest rates possible.

An unexpected increase in rates may cause clients to change their mind about a loan you are discussing, cause them to not qualify, result in dissatisfaction with you as their loan officer, or result in other problems.

Not all mechanisms to deter thieves qualify policyholders lower rates, but they might increase a bike's security and reduce the likelihood of an owner having to file an insurance claim.

These simple and efficient steps could increase your score by 75 or more points in 30 days and qualify you for much better interest rates.

When you qualify for a mortgage, you have the option to pay a down payment as low as 5 %, but this tends to hike the interest rate and increase the amount of money you'll shell out in the long run.

The variable interest rate will increase or decrease if the One - month LIBOR index changes, or if the student no longer qualifies for the ACH discount described in footnote 3, but will never exceed 16 %.

The increase in builder confidence is related to the fact that homeowners who are able to qualify for mortgages are looking to take advantage of current mortgage rates, which have dipped to historically low levels.

These filters have drastically increased my strike rate with these patterns, but the tradeoff is that you will get fewer qualified trades (quality over quantity).

However, the measure has a derivative effect, as Canadians flock to alternative lenders when they fail to qualify for mortgages at the increased rate.

Choose from amounts you qualify for — between $ 1,000 and $ 50,000 — and pay it back over 36 or 60 months * with a rate that will never increase.

He urged potential buyers to improve their credit scores so they can qualify for mortgages before rates increase.

Just keep in mind that because you can't get a lower your interest rate, extending your loan term in a government repayment plan can significantly increase your total repayment costs if you don't qualify for an interest rate reduction.