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Although some investors are still holding tight to credit standards, mortgage credit availability loosened last month, according to a recent Mortgage Bankers Association report. The MBA concluded that the Mortgage Credit Availability Index (MCAI) increased 0.5 percent to 122 in April.
Of the index’s four components, Government lending saw the greatest easing and was up 1.1 percent over the month. The Jumbo index increased of 0.8 percent and the Conforming index saw an increase of 0.2 percent. The Conventional index decreased 0.6 percent.
It appears the increase was driven by new offerings of FHA’s 203(k) home improvement program, new VA offerings and new jumbo products. The increase was partially offset by some investors tightening underwriting criteria on conventional cash out offerings.”
Joining me today to discuss alternative mortgage lending is Lee Janc, a Strategy and Business Development Executive for the Financial Service Industry and Eric Morgensen of Angel Oak Home Loans. Angel Oak Home Loans serves both the Retail and the Wholesale markets and specializes in non-conforming products.
Caroline’s focus for this show is Alternative Cancer Strategies. During this fascinating hour, Caroline will interview Carol Roujansky, a courageous survivor of stage four uterine cancer. Carol is now a popular health coach with excellent strategies and information about an innovative and effective form of cancer treatment, using low-doses of chemotherapy with minimal side effects. Caroline and Carol will discuss alternative cancer therapies, practical strategies to help cope with a cancer diagnosis, and tips to help you to stay out of the cancer zone in the first place.
Become a Certified Virtual Gastric Band Practioner, online with Caroline Sutherland! Nov. 8 - 9, 2015. With a 95% success rate in 2 double-blind studies, this is THE weight loss program to add to your practice! Details & Registration here.
“I’ve been a Caroline Sutherland fan ever since the first moment I met her in the ’90s. In fact, she fulfilled a dream of mine. At our first meeting, Caroline looked at me, clearly saw my deficiencies and nutritional needs, and on the spot designed a special plan for my particular body. I felt understood for the first time.”
- Louise Hay, Author of You Can Heal Your Life
Carolyn Bendall, Fashion Critic and blogger (www.carolynbendall.com), discusses subjects, trends, or products within the beauty and fashion industry, focusing on Your True Colours, and how it applies to you, the individual.
Nick Bryant is an alternative singer-songwriter currently based in Southeast Georgia. Originally from Atlanta, Georgia, Nick moved further south to the Golden Isles to work on getting his bachelors in business administration degree. A year before his graduation, he released his first EP 'Hot Days Cool Nights.' Recorded at Rockbot Studios in Jacksonville, FL, this album captures a carefree beachy vibe with a folk twist. "St. Augustine" quickly became a favorite among live audiences throughout his 150 show tour across the southeast.
In this episode of CreditHavins I will have on a special guest Andy Noble who will speak on how to properly build and manage your wealth. This is for people of all different income levels. I will also be speaking on how to properly position yourself for lending opportunities. This is a great episode for anyone interested in learning how to control their spending, while eliminating debt, minimizing tax liability, and maximizing their retirement for the future!
When it comes to Correspondent Lending, not much has changed in decades... that is until NOW! Today's guest is JACK NUNNERY, EVP of Texas Capital Bank (TCB). Last week, TCB announced they are launching their "Mortgage Correspondent Aggregation" (MCA) business, which is a new correspondent lending platform. Jack along with Gary Ort have been responsible for TCB's Warehouse Lending operation. They recognized that there was an unusual opportunity to create within the correspondent lending space an innovative and new approach to correspondent lending that would be streamline virtually all the processes involved to the benefit both the seller and the buyer. As a result, Jack started a "greenfield" work effort well over a year and a half ago with the objective of designing and building a state-of-the-art streamlined correspondent lending platform that operates in a way like no other company has operated before. On today's broadcast, Jack is going to talk about four key considerations that went into designing and building TCB's MCA business which are as follows:
Historical challenges to innovation in the mortgage industry
Hurdles to successful transformation
Solutions for success not previously thought possible
The consequences of not transforming our business
You will not want to miss this important broadcast!
in Self Help
Cancer is the ultimate wake-up call. Not only is your body sick, your spirit is sick. A diagnosis of cancer is devastating, but it can also be an enormous opportunity to achieve true healing. Remember the well-known quote, "Cancer is a word, not a sentence."
Complementary medicine is treatments that are used along with standard medical treatments but are not considered to be standard treatments. One example is using acupuncture to help lessen some side effects of cancer treatment.
Alternative medicine is treatments that are used instead of standard medical treatments. One example is using a special diet to treat cancer instead of anticancer drugs that are prescribed by an oncologist.
Integrative medicine is a total approach to medical care that combines standard medicine with the CAM practices that have shown to be safe and effective. They treat the patient's mind, body, and spirit.
We will focus on some of these options on our show. Let's talk about it!
Disclaimer: Our purpose is to provide information only. It is not intended as the practice of medicine or the provision of medical services. We do not provide medical advice.
in Rock Music
Today Pop Art Painter Jamie Roxx (www.JamieRoxx.us) welcomes the Alternative Rock Band Vermillion Road to the show!
Through their distinct energy in their live performances and heartfelt lyrics, this dynamic group is committed to bringing the very best to the most important part of the band - the fans. It's their desire and mission to connect with people on a visceral, emotional level, and it’s this desire that drives everything Denver based Vermillion Road does. Music is an amazing gift and they feel privileged to be given an opportunity to translate the everyday struggles of life into 3-4 minute snippets of raw energy and empowerment.
Head First Entertainment
This seasonal fruit contains seeds with benefits and nutrition that may just change your life. So don’t toss ‘em out before listening to this broadcast on some of their great benefits for nutrition, healing, and even beauty purposes.
They're so rich in ALA and omega-3 fatty acids that for people who want an alternative to fish, these seeds are an excellent choice.
About Your Host:
Jessie Blair-Myrie, CHHC, AADP