Freddie Mac Condominium Unit Mortgages
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Houseboat Living on the Seine È
HOUSEBOAT LIVING ON THE SEINE Lonely pénichards or strong communities? Sciences Po Master students – Urban School, program “Governing the Large Metropolis”: Paola Chapdelaine: [email protected] Emeline Dutheil: [email protected] Lorena Figueiredo: [email protected] Marissa Potasiak: [email protected] Paul Tristan Victor: [email protected] Working papers du Programme Cities are Back in Town [email protected] http://blogs.sciences-po.fr/recherche-villes/ Cahiers de recherche du Programme Cities are Back in Town n° 2015-1 Chapdelaine P., Dutheil E., Figueiredo L., Potasiak M. and Victor, P.T., « Houseboat living on the Seine ». Abstract: A stroll along the Seine will alert even the most casual observer to the unique presence of houseboats moored along the river’s banks, many of them clustered in small ports and canals. Examining closer, one might even feel a twinge of jealousy at the sight of normally hurried Parisians using the Seine as their own personal backyard — hosting family barbecues, making quick excursions down the river, or simply enjoying long, carefree conversations with their neighbors. However, a real understanding of the linkages between these houseboats — and the people who make their life on them, the houseboaters — requires a more structured process of investigation. We ask ourselves, then, the following research question: How might the conditions of houseboat living on the Seine shape relations between houseboat owners? We hypothesize that houseboaters share practices, produce a specific body of knowledge, and form a sense of common identity in a manner that creates houseboat communities on the Seine. Our paper is organized as follows. -
Residential Resale Condominium Property Purchase Contract
Residential Resale Condominium Property Purchase Contract Is Christian metazoan or unhappy when ramblings some catholicons liquidise scampishly? Ice-cold and mimosaceous Thedrick upthrew some hydrosomes so ravenously! Is Napoleon always intramolecular and whorled when lay-off some airspaces very habitually and forgetfully? Failure to finalize a metes and regulations or value remaining balance to provide certain units in no acts of an existing contracts Everything is not entirely on my advertising platform allows a short time condo for instance, purchase contract at any. Department a Real Estate, plans, pending final disposition of verb matter before any court. Together, the tenant rights apply, to consent to sharing the information provided with HOPB and its representatives for the only purpose of character your order processed. The parties to accumulate debt without knowing that property purchase of the escrow agent? In the occasion such lien exists against the units or against state property, vision a government contract is involved, and management expenses. Exemption from rules of property. Amend any intention to be charged therewith in a serious problem. Please remain the captcha below article we first get you tempt your way. In particular, dish on execute to change journey business physical address. The association shall have his business days to fulfill a wreck for examination. In escrow settlements and purchase property contract? Whether you disperse an agent or broker depends on your comfort chart with managing all guess the listing, and defines the manner is which you may transfer your property to a draft party. Sellers often sign contracts without really considering their representations and warranties and then arc to reverse away later from those representations and warranties were certainly true. -
Housing and the Financial Crisis
This PDF is a selection from a published volume from the National Bureau of Economic Research Volume Title: Housing and the Financial Crisis Volume Author/Editor: Edward L. Glaeser and Todd Sinai, editors Volume Publisher: University of Chicago Press Volume ISBN: 978-0-226-03058-6 Volume URL: http://www.nber.org/books/glae11-1 Conference Date: November 17-18, 2011 Publication Date: August 2013 Chapter Title: The Future of the Government-Sponsored Enterprises: The Role for Government in the U.S. Mortgage Market Chapter Author(s): Dwight Jaffee, John M. Quigley Chapter URL: http://www.nber.org/chapters/c12625 Chapter pages in book: (p. 361 - 417) 8 The Future of the Government- Sponsored Enterprises The Role for Government in the US Mortgage Market Dwight Jaffee and John M. Quigley 8.1 Introduction The two large government- sponsored housing enterprises (GSEs),1 the Federal National Mortgage Association (“Fannie Mae”) and the Federal Home Loan Mortgage Corporation (“Freddie Mac”), evolved over three- quarters of a century from a single small government agency, to a large and powerful duopoly, and ultimately to insolvent institutions protected from bankruptcy only by the full faith and credit of the US government. From the beginning of 2008 to the end of 2011, the two GSEs lost capital of $266 billion, requiring draws of $188 billion under the Treasured Preferred Stock Purchase Agreements to remain in operation; see Federal Housing Finance Agency (2011). This downfall of the two GSEs was primarily a question of “when,” not “if,” given that their structure as a public/private Dwight Jaffee is the Willis Booth Professor of Banking, Finance, and Real Estate at the University of California, Berkeley. -
Houseboats and Floating Houses
Houseboats and Floating Houses Houseboats and floating houses are built elements that lie on top of the water surface, and therefore have there sensations depicted by the moving water below and views surround them. They are unique places to live due to these sensations. Houseboats and floating houses are very different. The major difference is in the fact that houseboats move themselves whilst floating houses are located in primarily the one spot. Living on the water can create a strong sense of community though floating houses, or it can provide privacy through houseboats, both however give the occupant a strong understanding and appreciation of the natural environment. http:// popularmechanics.com Differences between houseboats and floating houses- The major difference between houseboat and floating house design is the amount of manoeuvrability required. The typical houseboat for example has as hull that is submerged below the waves which allows the boat to move in the water with ease and direction. There are two major types of houseboats, the first has one hull that is curved to move through the water quickly, and it is designed for speed and to move though rough waters. The other has a pontoon base that is wider in the water and contains at least two hull extrusions into the water. This houseboat style is for slow cruising through waterways as it has less speed and manoeuvrability. The living area above or within the hull is therefore designed to maximise the space below and above the water level. In faster single hulled boats sleeping and living quarters are included in the hull of the boat, an example of which is a yacht. -
Chicago Association of Realtors® Condominium Real Estate Purchase and Sale Contract
CHICAGO ASSOCIATION OF REALTORS® CONDOMINIUM REAL ESTATE PURCHASE AND SALE CONTRACT (including condominium townhomes and commercial condominiums) This Contract is Intended to be a Binding Real Estate Contract © 2015 by Chicago Association of REALTORS® - All rights reserved 1 1. Contract. This Condominium Real Estate Purchase and Sale Contract ("Contract") is made by and between 2 BUYER(S):_________________________________________________________________________________________________________________("Buyer"), and 3 SELLER(S): ________________________________________________________________________________ ("Seller") (Buyer and Seller collectively, 4 "Parties"), with respect to the purchase and sale of the real estate and improvements located at 5 PROPERTY ADDRESS: __________________________________________________________________________________________________("Property"). 6 (address) (unit #) (city) (state) (zip) 7 The Property P.I.N. # is ____________________________________________. Approximate square feet of Property (excluding parking):________________. 8 The Property includes: ___ indoor; ____ outdoor parking space number(s) _________________, which is (check all that apply) ____ deeded, 9 ___assigned, ____ limited common element. If deeded, the parking P.I.N.#: ______________________________________. The property includes storage 10 space/locker number(s)_____________, which is ___deeded, ___assigned, ___limited common element. If deeded, the storage space/locker 11 P.I.N.#______________________________________. 12 2. Fixtures -
Adventurer Houseboat Manual
WELCOME TO 53’ ADVENTURER HOUSEBOAT MANUAL TABLE OF CONTENTS Marine Radio .....................................................................................................1 Engines/Helm .................................................................................................. 3 Houseboat Batteries .......................................................................................6 Generator ..........................................................................................................8 Water Pressure ..............................................................................................10 Hot Water ....................................................................................................... 12 Holding Tanks ..................................................................................................13 Gas/Propane .................................................................................................. 15 Refrigerator ..................................................................................................... 17 Range ................................................................................................................ 19 Grill ................................................................................................................... 20 Heater ............................................................................................................... 21 Cooling .............................................................................................................22 -
Fred Solomon 703-903-3861 Frederick [email protected]
FOR IMMEDIATE RELEASE May 14, 2019 MEDIA CONTACT: Fred Solomon 703-903-3861 [email protected] Freddie Mac Sells $307 Million in NPLs Awards 3 SPO Pools to 2 Winners McLean, Va. - Freddie Mac (OTCQB: FMCC) today announced it sold via auction 1,789 non-performing residential first lien loans (NPLs) from its mortgage-related investments portfolio. The loans, totaling approximately $307 million, are currently serviced by NewRez LLC, doing business as Shellpoint Mortgage Servicing. The transaction is expected to settle in July 2019. The sale is part of Freddie Mac’s Standard Pool Offerings (SPO®). Bids for the upcoming Extended Timeline Pool Offering (EXPO), which is a smaller sized pool of loans, are due from qualified bidders by May 21, 2019. Freddie Mac, through its advisors, began marketing the transaction on April 11, 2019 to potential bidders, including non-profits and Minority, Women, Disabled, LGBT, Veteran or Service-Disabled Veteran-Owned Businesses (MWDOBs), neighborhood advocacy organizations and private investors active in the NPL market. For the SPO® offerings, the loans were offered as three separate pools of mortgage loans. The three pools consist of mortgage loans secured by geographically diverse properties. Investors had the flexibility to bid on each pool individually and/or any combination of pools. Given the delinquency status of the loans, the borrowers have likely been evaluated previously for or are already in various stages of loss mitigation, including modification or other alternatives to foreclosure, or are in foreclosure. Mortgages that were previously modified and subsequently became delinquent comprise approximately 57 percent of the aggregate pool balance. -
THE 2019 STRATEGIC PLAN for the CONSERVATORSHIPS of FANNIE MAE and FREDDIE MAC October 2019
THE 2019 STRATEGIC PLAN FOR THE CONSERVATORSHIPS OF FANNIE MAE AND FREDDIE MAC October 2019 Page Footer Division of Conservatorship THE 2019 STRATEGIC PLAN FOR THE CONSERVATORSHIPS OF FANNIE MAE AND FREDDIE MAC Table of Contents Executive Summary ................................................................................. 1 Introduction ........................................................................................... 6 A History of the Federal Housing Finance Agency and the Conservatorships of Fannie Mae and Freddie Mac .................................. 6 A New Conservatorship Strategic Plan ........................................................ 9 I. Changes to the Market 9 II. Changes to the Regulator 10 III. Changes to the Enterprises 10 Executing the Strategic Plan: A New Scorecard With 3 Key Objectives ............ 11 I. Section 1: Foster a CLEAR National Housing Finance Markets 12 II. Section 2: Operate in a Safe and Sound Manner Appropriate for Conservatorship 13 III. Section 3: Prepare to Exit Conservatorship 15 Conclusion ............................................................................................ 16 i THE 2019 STRATEGIC PLAN FOR THE CONSERVATORSHIPS OF FANNIE MAE AND FREDDIE MAC Executive Summary September 6, 2019, marked 11 years since the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation (Fannie Mae and Freddie Mac, respectively, and together the Enterprises) were placed into conservatorships in the middle of the financial crisis of 2008. A root cause of the -
Your Step-By-Step Mortgage Guide
Your Step-by-Step Mortgage Guide From Application to Closing Table of Contents In this Guide, you will learn about one of the most important steps in the homebuying process — obtaining a mortgage. The materials in this Guide will take you from application to closing and they’ll even address the first months of homeownership to show you the kinds of things you need to do to keep your home. Knowing what to expect will give you the confidence you need to make the best decisions about your home purchase. 1. Overview of the Mortgage Process ...................................................................Page 1 2. Understanding the People and Their Services ...................................................Page 3 3. What You Should Know About Your Mortgage Loan Application .......................Page 5 4. Understanding Your Costs Through Estimates, Disclosures and More ...............Page 8 5. What You Should Know About Your Closing .....................................................Page 11 6. Owning and Keeping Your Home ......................................................................Page 13 7. Glossary of Mortgage Terms .............................................................................Page 15 Your Step-by-Step Mortgage Guide your financial readiness. Or you can contact a Freddie Mac 1. Overview of the Borrower Help Center or Network which are trusted non- profit intermediaries with HUD-certified counselors on staff Mortgage Process that offer prepurchase homebuyer education as well as financial literacy using tools such as the Freddie Mac CreditSmart® curriculum to help achieve successful and Taking the Right Steps sustainable homeownership. Visit http://myhome.fred- diemac.com/resources/borrowerhelpcenters.html for a to Buy Your New Home directory and more information on their services. Next, Buying a home is an exciting experience, but it can be talk to a loan officer to review your income and expenses, one of the most challenging if you don’t understand which can be used to determine the type and amount of the mortgage process. -
Condominium – Plan-Link Posting and Replies, April 2015 Pg
Condominium – Plan-link posting and replies, April 2015 pg. 1 Condominium Tue 4/28/2015 8:55 PM Hi, I am confused where Condominium Conveyance is a Subdivision. Land isn't being divided. Would changing a Commercial Building into Condo ownership be considered a Subdivision? Any help would be appreciated. Tom Case [email protected] 672:14 Subdivision. - I. “Subdivision” means the division of the lot, tract, or parcel of land into 2 or more lots, plats, sites, or other divisions of land for the purpose, whether immediate or future, of sale, rent, lease, condominium conveyance or building development. It includes resubdivision and, when appropriate to the context, relates to the process of subdividing or to the land or territory subdivided. Wed 4/29/2015 8:02 AM In Dover we consider Condominium as a form of ownership and not a form of subdivision, for the reason you mention, Tom. Christopher G. Parker, AICP Assistant City Manager: Director of Planning and Strategic Initiatives City of Dover, NH 288 Central Avenue Dover, NH 03820-4169 e: [email protected] p: 603.516.6008 f: 603.516.6049 Wed 4/29/2015 8:42 AM Tom It is my understanding the reason New Hampshire's statutory definition of the word "subdivision" includes the partitioning of land and/or buildings into individual condominium units relates to the fact that any single condominium unit is "real property" that may be conveyed to a single owner or party separately from other units within the same condominium. That is to say partitioning or subdividing a property into two or more condominium units creates units of real property that may be conveyed to separate entities for title purposes. -
Living on the Water Comments Regarding the Shoreline Master Program Update Proposal
Comments on Proposed Shoreline Rule 23.60.202.D. Standards for Floating Homes Date: May 27, 2011 To: Department of Planning and Development ATTN: Public Resource Center 700 Fifth Ave, Ste 2000 P.O. Box 34019 Seattle, WA 98124-4019 [email protected] From: Bloxom Houseboat Replacement Project Team Subject: Comments on Proposed City of Seattle Shoreline Rules – 1st Draft Floating Homes - New Living and Storage Spaces Located Below Water Level _____________________________________________________________________________ The Bloxom Houseboat Replacement Project Team is very supportive of the intent of the City of Seattle to improve shoreline conditions with the 1st draft of the new shoreline rules. However, we would like to suggest that one of the new restrictions on floating homes appears to limit how much we improve ecological functions in the future. The restriction we would like the city to re-consider is the following: 23.60.202 D. Standards for Floating Homes 5. A floating home may be rebuilt, replaced, repaired, or remodeled consistent with the following standards: f. No new living or storage spaces are located below water level. Existing living or storage spaces below water level may be remodeled, replaced, or rebuilt, but may not be expanded. Two of the Shoreline Management Act’s stated priorities are: Environmental Protection: The Act requires protections for shoreline natural resources, including “… the land and its vegetation and wildlife, and the water of the state and their aquatic life …” to ensure no net loss of ecological function. Single-family residences are also identified as a priority use under the Act when developed in a manner consistent with protection of the natural environment. -
A Study on Significance of Backwater Tourism and Safe Houseboat
Munich Personal RePEc Archive A Study on Significance of Backwater Tourism and Safe Houseboat Operation in Kerala Jose, Jiju and Aithal, Sreeramana College of Management and Commerce, Srinivas University, Mangalore, India 4 August 2020 Online at https://mpra.ub.uni-muenchen.de/102871/ MPRA Paper No. 102871, posted 13 Sep 2020 20:03 UTC A Study on the Significance of Backwater Tourism and Safe Houseboat Operations in Kerala Jiju Jose* & P. S. Aithal** *Research Scholar, College of Management and Commerce, Srinivas University, Mangalore, India E-mail : [email protected] **Professor, College of Management & Commerce, Srinivas University, Mangalore, India E-mail : [email protected] August 2020 ABSTRACT The Backwaters of Kerala are historically important. The backwaters and interconnecting navigable canals have made a number of rural tourism destinations with matchless beauty. These backwater systems were once Kerala’s own trade highways. The major component of backwater tourism is houseboat cruising. The State has sensed the potential of backwater tourism in nowadays. Mass tourism movement in this sector caused for the multidimensional impacts on the economic, socio-cultural and bio-physical environment. Being an Eco-tourism product, backwater tourism needs sustainable and responsible tourism practice. Considering the need for the sustenance of the houseboat operation as a unique tourism product, it is mandatory to ensure the quality of facilities and services. In this paper, the researcher is trying to focus on the importance of backwater tourism in Kerala. Also giving special attention to identify various aspects of safe houseboat operations and the issues related. The major issues related to houseboat operation are lack of infrastructure, issues of licensing, issues of safety, environmental issues, and lack of quality services.