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Consumers More Likely to Choose Non-Mortgage Debt Over Mortgages

first_img Related Articles  Print This Post Servicers Navigate the Post-Pandemic World 2 days ago Kerri Panchuk is an attorney and financial writer with more than a decade of experience covering real estate, default servicing, residential mortgage-backed securities, retail, macroeconomics, and commercial real estate. Panchuk graduated from the Southern Methodist University Dedman School of Law and texas Tech University, Panchuk previously served DSNews.com as online managing editor/producer and webcast anchor. In April, she rejoined the Fiver Star Institute as executive director of member groups, overseeing the development and growth of the National Appraisal Congress and Title and Closing Coalition. Panchuk is a member of the State Bar of Texas. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago An active mortgage market is the byproduct of consumers citing homeownership as a need–or an inescapable debt that is a natural appendage to a person’s credit history.Unfortunately, a new article from Credit.com suggests that when given a choice between different types of debt, fewer consumers take out home mortgages and are much more likely to carry other kinds of debt alone, with credit cards ranking as the most common.The article shatters the ongoing myth that mortgages are an average part of consumer life. Unfortunately, the data compiled by the Urban Institute says there are six kinds of borrowers: those who have mortgage debt only, those who have credit card debt only, those who have no debt, those who have an auto loan and a mortgage and those who have student loan debt only and those who have an auto loan.Surprisingly, credit card debt is the only debt for 22 percent of consumers. Meanwhile, the percentage of consumers with only a mortgage came in at 13 percent out of 5 million Americans studied.The most common type of consumer–making up 29 percent of the analyzed pool of consumers–have no debt at all, suggesting Americans are much more risk-adverse than previously known and remain so in the wake of the mortgage market meltdown.The takeaway for lenders: Consumers are definitely debt cautious, and it seems big ticket items lose out to smaller debts such as credit cards when borrowers decide to carry only one type of debt.For roughly 4 percent of borrowers, student loan debt is the only debt they reported. However, the report does note that it’s likely many borrowers carry more than one type of debt, especially if they have a mortgage since they need to establish some type of credit history before qualifying for a home loan. Consumer Credit Mortgage Debt non-mortgage debt 2015-11-26 Brian Honea The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Previous: Ocwen Re-Initiates Stock Repurchase Program Next: Building Better Relationships Consumers More Likely to Choose Non-Mortgage Debt Over Mortgages Data Provider Black Knight to Acquire Top of Mind 2 days ago Home / Featured / Consumers More Likely to Choose Non-Mortgage Debt Over Mortgages in Featured, Market Studies, Newscenter_img Subscribe Tagged with: Consumer Credit Mortgage Debt non-mortgage debt November 26, 2015 993 Views Demand Propels Home Prices Upward 2 days ago Sign up for DS News Daily The Week Ahead: Nearing the Forbearance Exit 2 days ago Demand Propels Home Prices Upward 2 days ago About Author: Kerri Panchuk Share Save The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Is Rise in Forbearance Volume Cause for Concern? 2 days agolast_img read more

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Two men charged in Derry after disorderly behaviour in Westland Street

first_img Twitter Two men charged in Derry after disorderly behaviour in Westland Street RELATED ARTICLESMORE FROM AUTHOR WhatsApp Twitter By admin – August 7, 2016 365 additional cases of Covid-19 in Republic Pinterest Homepage BannerNews Facebook Pinterest Google+center_img Two men aged 29 and 32 have been charged with disorderly behaviour in Derry.Detectives at Strand Road were investigating an incident after being called to a block of flats in Westland Street after a fight broke out around 4am on Saturday morning.It is thought around 30 people were involved in the incident after a male entered a flat uninvited, he was then escorted outside.Attempts were made by a number of people to enter the property again during which time windows were smashed.Detective Sergeant Michelle Boyd described how upon arrival police officers were attacked with bricks and other items. However no officers sustained any serious injuries.The two men have been charged and will appear at Derry Magistrates court on August 31st.A 16 year-old male was also arrested but has since been released on police bail. Man arrested on suspicion of drugs and criminal property offences in Derry WhatsApp Google+ 75 positive cases of Covid confirmed in North Facebook Main Evening News, Sport and Obituaries Tuesday May 25th Further drop in people receiving PUP in Donegal Previous articleTyrone manager Mickey Harte questions Sean Cavanagh’s sending offNext articleRory Gallagher: Dublin were the better team and we didn’t play well enough admin Gardai continue to investigate Kilmacrennan firelast_img read more

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EEF calls for more guidance on equal pay guestionnaires

first_imgEEF calls for more guidance on equal pay guestionnairesOn 28 Jan 2003 in Personnel Today Comments are closed. Related posts:No related photos. Previous Article Next Article Employers need further guidance to help them comply with the new equal payquestionnaires without breaching the Data Protection Act. This is the view of the Engineering Employers Federation (EEF) in itsresponse to the DTI’s consultation paper on the questionnaires, which are dueto be introduced as part of the Employment Act in April this year. The questionnaire will give staff the right to request pay information on acolleague of the opposite sex at the same level. The EEF called on the DTI to give clearer guidance on how employers canavoid breaching data protection rules when responding to requests fromcomplainants for confidential information about their colleagues. Currently, employers can disclose this information if the request is part oflegal proceedings, such as an equal pay claim. Peter Martin, director of employment policy for the EEF, called on theGovernment to provide more details outlining employers’ responsibilities whereproceedings are not issued. “Data protection is a much bigger issue than it used to be. Staff aremuch more likely to demand a degree of privacy over their affairs,” hesaid. Martin also wants the DTI to limit the use of equal pay claims to thoseindividuals who have genuine grounds for making a complaint – to prevent abuse.”The Government needs to modify its proposals. Simple changes torequest confidentiality and prevent them being used for inappropriate purposeswould not undermine the overall aim of the questionnaire.” The equal pay questionnaires are voluntary, but employers that don’t respondare likely to be penalised if they are taken to an employment tribunal. By Ben Willmottwww.eef.org.uk last_img read more

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Clarkson helps Jazz to 5th straight, beat Nuggets 109-105

first_img Tags: Jordan Clarkson/NBA/Utah Jazz January 17, 2021 /Sports News – Local Clarkson helps Jazz to 5th straight, beat Nuggets 109-105 FacebookTwitterLinkedInEmailDENVER (AP) — Reserve Jordan Clarkson scored 23 points, Donovan Mitchell added 18 and the Utah Jazz beat the Nuggets 109-105 in a rematch of their thrilling first-round playoff series last season that Denver captured in seven games.Rudy Gobert finished with 15 points and 13 rebounds in a game in which Mitchell struggled with his shot, going 7 of 20 from the field. But Mitchell hit a clutch fadeaway with 1:01 remaining and with Denver staging a late rally. He also had seven assists as the Jazz won their fifth straight game.Nikola Jokic finished with 35 points, 14 rebounds and nine assists, while Jamal Murray chipped in 30 for the Nuggets. Written by Associated Presslast_img read more

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Habitat for Humanity Providing Quilt Raffle for Shelter Awareness Month

first_imgAddThis Sharing ButtonsShare to FacebookFacebookShare to TwitterTwitterShare to MoreAddThisAlpena- Habitat for Humanity of Northeast Michigan is throwing a quilt raffle in honor of Shelter Awareness month. Each Friday, the group will draw a winner of a quilt made by local quilters. The proceeds from this raffle will help build new homes for those in need and continue to help the organization live out their mission. The idea came from Habitat ReStore Manager Nichole Keyes.Tickets are available at the ReStore during their daily hours and at the Alpena Alcona Area Credit Union off of Bagley St. every Friday in the month April.APRIL 6th WINNER: CASSIE STOPPAApril 13th WINNER: SHIRLEY SOMERSApril 20th WINNER: KELLIE REDDIEAddThis Sharing ButtonsShare to FacebookFacebookShare to TwitterTwitterShare to MoreAddThisContinue ReadingPrevious Toddlers Get Major Surprise With Local PNC VisitNext Michigan Native’s Life Forever Changed Due to ‘Distracted Driving’last_img read more

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Injured Michael Essien out for two weeks

first_imgAC Milan midfielder Michael Essien has been ruled out of football action for the next two weeks.The Ghana international sustained a foot injury in the build-up to the fixture against Kwadwo Asamoah’s Juventus and eventually missed the 1-0 defeat to the Italian Champions.Essien has not been named by Pippo Inzaghi’s 23-man squad to face Empoli and will miss the trip to the Stadio Carlo Castellani.Michael Essien has had limited playing time with Italian club AC Milan mostly sharing the full game duration with international team-mate Sulley Ali Muntari.last_img

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