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The Figures Behind Judicial State Foreclosures

first_img Data Provider Black Knight to Acquire Top of Mind 2 days ago 2018-07-26 Kristina Brewer Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago About Author: Kristina Brewer The number of foreclosures have decreased back to pre-crisis levels nationally as of April, according to the latest data from CoreLogic. More homeowners are remaining current on their mortgage payments thanks to factors such as unemployment rates at an 18-year low, home prices above the pre-recession peak, and high-quality underwriting.Reflecting a near 4 percent decline, foreclosures have reached .6 percent, though judicial states—states that require lenders to use a judicial procedure when foreclosing—are continuing to have the highest foreclosure rates in the nation at .9 percent, and non-judicial states at .3 percent. Additionally, when the foreclosure rate was back to pre-crisis levels in April, judicial states reflected rates at a higher level. According to the report, judicial states had 42 percent of the nation’s mortgages outstanding, but 68 percent of all loans in foreclosure.Over half of the loans in foreclosure for this period were originated between 2004 to 2008, with a higher percentage of outstanding loans residing in judicial states. Of the loans made in this time period within judicial states, 16 percent were still outstanding, while 60 percent of loans currently in foreclosure from these states were originated during this time. Non-judicial states represented 13 percent of mortgages and 53 percent of loans in foreclosure originated between 2004 and 2008.With the serious delinquency rate (loans 90 days or more past due including loans in foreclosure) down 2 percent in a year-over-year analysis, rates have reached 1.9 percent in April, falling in both judicial and non-judicial states. Though the gap is narrowing between judicial and non-judicial states in foreclosure ratings, the collective serious delinquency rate in non-judicial states returned to the pre-crisis rate of 1.3 percent. The serious delinquency rate in judicial states was 2.6 percent, which is 1.5 times the pre-crisis rate of 1.7 percent. The Figures Behind Judicial State Foreclosures July 26, 2018 1,949 Views Sign up for DS News Daily Share Save Home / Daily Dose / The Figures Behind Judicial State Foreclosures Related Articles Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago  Print This Post Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Previous: Homeownership Gets a Boost from Young Americans Next: Ocwen Releases Q2 Operating Results Servicers Navigate the Post-Pandemic World 2 days ago in Daily Dose, Featured, Headlines, Journal, Market Studies, News Data Provider Black Knight to Acquire Top of Mind 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago The Best Markets For Residential Property Investors 2 days ago Kristina Brewer is the Editorial Assistant of Publications for the Five Star Institute, including DS News and MReport magazine. She is a graduate of the University of North Texas (UNT), where she received her Bachelor of Arts in English with a concentration in rhetoric and writing and a minor in global marketing. During this time, she served as Director of Philanthropy in the national women’s fraternity Zeta Tau Alpha, of which she is an alumna. Her passion for philanthropy continued after university when she was an intern at Keep Denton Beautiful, a local partner of Keep America Beautiful, where she drove membership, organized events, and led social media campaigns. Brewer honed her writing at the North Texas Daily, UNT’s student-run newspaper where she wrote about faculty, mentorship, and student life. Brewer also previously worked at Optimus Business Plans where she helped start-ups create funding proposals, risk assessments, and management plans. Subscribelast_img read more

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Probing the high latitude ionosphere from ground-based observations: the state of current knowledge and capabilities during IPY (2007-2009)

first_imgDuring the International Polar Year (IPY), one area of great interest is co-coordinated, multi-instrument probing of the ionosphere at high latitudes. This region is important not only for the applications that rely upon our understanding of it, but also because it contains the footprints of processes that have their origin in the interplanetary space. Many different techniques are now available for probing the ionosphere, from radar measurements to the analysis of very low frequency (VLF) wave paths. Combining these methods provides the ability to study the ionosphere from high in the F-region to the bottom of the D-layer. Thus, coupling processes from the magnetosphere and to the neutral atmosphere can be considered. An additional dimension is through comparisons of the response of the two polar ionospheres to similar (or the same) geomagnetic activity. With more instruments available at the South Pole inter-hemispheric, studies have become easier to accomplish such that a fuller picture of the global response to Sun-Earth coupling can be painted. This paper presents a review of the current state of knowledge in ionospheric probing. It cannot provide a comprehensive guide of the work to date due to the scale of the topic. Rather it is intended to give an overview of the techniques and recent results from some of the instruments and facilities that are a part of the IPY cluster 63-Heliosphere Impact on Geospace. In this way it is hoped that the reader will gain a flavor of the recent research performed in this area and the potential for continuing collaboration and capabilities during the IPYlast_img read more

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Stealthy, Undetectable, and Deadly

first_imgBy Geraldine Cook/Diálogo March 29, 2017 Stealthy, undetectable, and deadly – the qualities of the Colombian Navy’s ARC Pijao, an S-28 submarine, outfitted with state-of-the-art technology designed to mount lethal attacks against enemies without being detected. The Pijao is a conventional diesel-electric submarine that set off from the Bolívar Naval Base in Cartagena, Colombia on January 20th and traveled 1,400 nautical miles, surfacing at Naval Station Mayport, in Florida, to take part in the U.S. Navy’s Diesel Electric Submarine Initiative (DESI), an international training program for anti-submarine warfare. “The main role of the ARC Pijao (S-28) is to carry out naval operations to ensure national maritime security,” Pijao’s skipper, Commander Nelson Villalba, told Diálogo. Cmdr. Villalba arrived with a crew of 42 officers and NCOs on board. “We use the element of surprise, and stealth gives us the upper hand,” Cmdr. Villalba said, discussing his submarine’s advantages when taking on adversaries. “We conduct joint operations since the submarine provides highly important intelligence information that enables the strategic deployment of other naval units, such as surface ships, air units, and troops on the ground, which neutralize the actions of armed national and international criminal groups.” The Pijao The Pijao was built in 1974 and christened in 1975. She takes her name from an pre-Hispanic indigenous Colombian tribe known for its warlike culture. It is 56 meters long, has a 6.2-meter beam, and a surface draft of 5.3 meters. It can reach a maximum operating depth of 300 meters and carry up to 14 SST-4 torpedoes. The submarine conducts naval operations with Colombian surface units, patrols the nation’s maritime borders in the Atlantic and Pacific, and participates in international operations, such as UNITAS and NATO’s Operation Morro Castle, among others. The Pijao also aids in Colombia’s crackdown on drug trafficking, especially in the detection of semisubmersibles that are used by criminal organizations to transport drugs. “In our operations, we are on the lookout for semisubmersibles or sea-going vessels that might be departing or arriving along our coasts,” Cmdr. Villalba reported. DESI The U.S. Navy created the DESI initiative in 2001 to practice and test out its submarine warfare capabilities. The program focuses specifically on the United States’ cooperation with its South American partner nations that own submarines, such as Colombia, Peru, and Chile. DESI seeks to expand to include Argentina, Brazil, Canada, Ecuador, France, and Germany. DESI conducts highly complex exercises that include engagement tactics, close-in operations, and weapons systems testing. “DESI provides training opportunities against a real world threat – a modern, quiet, diesel-electric submarine,” said Juan Fernández, tactical analysis director and DESI program manager for the U.S. Navy’s Commander Naval Submarine Forces, in an interview for the magazine Undersea Warfare. In the event of a real emergency, participating nations will have the training they need to be able to confront the situation through a joint task force. “We don’t have enough of our own subs to train these battle groups. Working with submarines from other countries helps us fill that gap,” explained Rick Current, deputy director for Training, Tactical Weapons, and Tactical Development for Commander Naval Submarine Forces, in Undersea Warfare. “Each nation’s participation in this program is contributing to the coalition’s effort.” For the Colombian Navy, the benefits of participating in DESI are invaluable. “It helps increase our crew’s level of training in anti-submarine warfare or tactical training in scenarios that are as lifelike as possible,” Cmdr. Villalba said. Colombia began its involvement in DESI with the Pijao in 2004. “The opportunity to do this exchange with U.S. naval units is an enriching experience because they bring nuclear submarines, anti-submarine aircraft, and helicopters to the table. The exercise is quite interesting, both at sea and on land,” Cmdr. Villalba added. After two months of training, the Pijao’s crew set off for Colombia on March 26th. “Being cooped up and confined to small spaces for long periods isn’t easy,” Cmdr. Villalba acknowledged, just before slipping under the waves of the Caribbean with his “tribe,” as he refers to his crew. “You have to be a relaxed and flexible person, able to think on your feet in high-stress situations,” he explained, describing the profile of the members of his tribe. The Pijao’s tribe will return home with a new understanding of anti-submarine warfare tactics. “We’ve learned a lot and exchanged and shared a lot of experiences,” Cmdr. Villalba noted. “This has been a big boost to our Navy’s culture.”last_img read more

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Catalonia: Tearful Pique haunted by ‘worst experience’

first_img“For a moment I couldn’t believe it. I thought they would try to block the vote but they would try to do it in a peaceful manner,” he added.“It wasn’t like that, but at least the whole world has seen it. This decision has made things a lot worse. It is one of the worst decisions made by this country in 40 or 50 years.“It has only served to separate Catalonia and Spain more and it will have consequences.”Pique’s political stance has seen him targeted by Spain fans when playing for the national team, despite his role in winning the 2010 World Cup and Euro 2012 with La Roja.The 30-year-old has already announced his decision to retire from international football after the 2018 World Cup.However, he said he will step aside before then if his presence in the Spain camp is deemed a problem by coach Julien Lopetegui or the federation.“I think I can continue going with the national team because I truly believe there are many people in Spain totally against the events that took place today in Catalonia and that believe in democracy,” said Pique.“If not, I will not go. If anyone in the federation thinks I am a problem I don’t have a problem in stepping aside and retiring from international football before 2018.”Share on: WhatsApp Barcelona played in an empty stadiumBarcelona, Spain | AFP |  Gerard Pique broke down in tears describing Barcelona’s 3-0 win over Las Palmas in an empty stadium as the “worst professional experience” of his life on a chaotic Sunday in Catalonia.At least 92 people were injured as Spanish riot police fired rubber bullets and forced their way into activist-held polling stations over an independence referendum for the north-eastern region of Spain deemed illegal by the Spanish government.After Barcelona’s attempt to have their game abandoned was dismissed by Spanish league authorities, Barca decided to play behind closed doors in protest at the violent scenes.“The board tried to cancel the game but it wasn’t possible. They came down to speak to the players and we opted to play,” Pique told reporters.“It was very difficult to play the game. It was the worst professional experience I have had in my life.“We have had seven years of demonstrations without violence and what happened today has been seen around the world.”Pique has been an outspoken supporter of Catalonia’s right to self-determination in the face of the Spanish government’s crackdown on preparations for the referendum.He posted a picture on his Twitter account as he voted before the game on Sunday.And he believes the shocking scenes have only served to rupture fractious relations between Catalonia and Madrid even further.last_img read more

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Lt. Gov. Guadagno Strolls Through Fair Haven

first_imgBy John BurtonFAIR HAVEN – Lt. Gov. Kim Guadagno stopped by the borough’s downtown business district Wedneday afternoon, offering her support for the work being done in the public and private sectors.Guadagno was joined by state Assemblyman Declan O’Scanlon (R-13), Mayor Benjamin Lucarelli, Borough Councilwoman Susan Sorensen and Borough Administrator h.The officials toured River Road Books, 759 River Road; Fair Haven Hardware, 752 River Road; and Tavolo Pronto restaurant, 610 River Road, where Guadagno met with the three business owners, inquiring how they were moving forward after Sandy and informing them about the state programs that may be of assistance to them.“This is what government is suppose to be doing,” she said, “helping people, helping businesses.”last_img read more

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Soccer Quest Camp packs in the players

first_imgPartnering with the Vancouver Whitecaps Kootenay Regional Prospects program shows to all the level of our full time organization and the progress we have made in the Kootenays over the past several years.Soccer Quest will host another camp in Nelson prior to the Labour Day holiday weekend. The Lakeside Soccer Fields were a beehive of activity this week as Soccer Quest rolled out its first of many Summer Camps in the Kootenays.The Nelson camp attracted more than 150 players, which is one of the highest enrollments ever said camp coordinator Jamie Spendlove.The Soccer Quest Summer Camps offer top caliber coaching at all levels.last_img read more

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