Category: Finance
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Lenders More Cautious Toward Women Small Business Owners
With almost 8 million women-owned businesses in the U.S., more female entrepreneurs are making an impact and growing at a rapid pace. However, some women are struggling to obtain the funds needed to start and maintain a successful business.
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New Research Shows Funding Challenges Persist for Women-Owned Businesses
The National Women’s Business Council (NWBC) released a new research report outlining the differences between men and women business owners, regarding the scale of business growth, amount and sources of financial capital, and the relationship between the two. Unfortunately, the statistics on funding for women-owned businesses, whether it concerns bank loans, angel investments, or VC…
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Are you following the NAWRB Financial Fitness Road Show?
NAWRB partnered with the U.S. Small Business Administration (SBA) Santa Ana District Office to present the Women in Housing Financial Fitness Road Show in July at the Lutron Experience Center in Irvine, CA. NAWRB’s Inaugural Women in Housing Financial Fitness Road Show is a first-of-its-kind, breakthrough program for women in all industries within the housing…
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Rise in VA Home Loans Stimulates Housing Market
A rise in the use of VA home loans is improving the housing market and the ability of veterans to obtain home loans. Veterans who would not previously qualify for a home loan are utilizing the many benefits stipulated in the VA program.
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The “Ability to Repay Rule”
With more aggressive lending compliance standards and regulations in 2014, lenders have been scrambling to implement internal systems in order to comply. Every real estate professional should understand the central issue that will impact their clients who obtain loans at the closing table: the “Ability to Repay” Rule (ATR). The momentum behind ATR is to…
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Emerging Mortgage Trends of 2014
It’s no secret that trends within the mortgage and lending industries can fluctuate significantly from quarter to quarter. Countless factors such as the economy, new legislation, and changing demographics can impact these shifts. With the ever-changing financial landscape, we have pinpointed the most current and prevalent mortgage and lending trends of 2014. Mortgage Volume Drops…
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The Borrower Effect: Impacts & Implications of 2014 Loan Limits
The Great Depression left the United States with widespread unemployment and financial collapse. Two million construction workers were out of work. Home mortgages were typically short-term loans that were limited to 50% LTV. In 1934, the National Housing Act created the Federal Housing Administration (FHA) to improve housing conditions and provide a more accessible housing…
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In Which Dimension is Credit Constrained?
The year 2014 is sure to be another eventful one in mortgage finance. A litany of new regulations are prepared to be implemented, the economy is projected to improve, driving mortgage rates higher, and demand to refinance loans is expected to decline further. The overall size of the mortgage market, in dollar terms, is anticipated…
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FHFA Decision: Path to Affordable Housing or Another Crash?
Mel Watt, Director of the Federal Housing Finance Agency (FHFA), is facing mounting pressure regarding his decision to lift a temporary suspension on allocating funds to the national Housing Trust Fund (HTF) and Capital Magnet Fund (CMF). With the lifted suspension, 4.2 basis points of each dollar of the unpaid principal balance for new business…
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Sallie Krawcheck Empowering Women with New Fund
Sallie Krawcheck Empowering Women with New Fund On Wednesday, former Citigroup and Bank of America executive Sallie Krawcheck announced the creation of a unique index fund that will promote women within the business world. The first of its kind, the index fund is a result of a partnership between Pax World Management LLC and the…