continue reading » Lenders face a variety of challenges. When it comes to mortgage origination, some of those challenges include increased turn times and valuation costs. While it’s critical for lenders to demonstrate to regulators that they are valuing the equity in an appropriate and compliant manner, it’s also essential to provide cost-effective mortgages that close in a timely manner in order to meet the expectations of borrowers.While it makes sense to look at your operations and policies, focusing on the valuation products you’re using in the mortgage loan origination process could have the greatest impact on your overall cost to originate. Many financial institutions have identified lower risk combined loan-to-value (CLTV) positions and incorporated alternative valuations that still meet regulatory scrutiny while mitigating risk.When it comes to property valuations, one size does NOT fit all! The borrower’s ability to pay, LTV/CLTV limits, acceptable property types, and loan purpose should drive what valuation products and scope are most appropriate. It’s wise to thoroughly evaluate all of these aspects, as well as the unique situation of the borrower and their loan so that your financial institution can make the most appropriate decision. While each situation is unique, here is a list of available valuation products and some of the best use cases for each: ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
The man then grabs an object from the bed of the truck and approaches the driver’s side of the vehicle.“When he came out the car, he had something and was hitting the car,” Lopez explains.Lopez can be heard screaming, telling her boyfriend to drive away.“I was afraid. I didn’t know what they had in their car. I just wanted to get home,” she says.Lopez and her boyfriend were able to record the truck’s license plate number and report it to police. They also posted it on social media, which allowed people online to quickly identify the couple by name.“We want to get justice because it’s not right,” says Lopez. “I don’t want them to just go freely and continue to do this to someone else.”Police are now investigating the incident as a hate crime. They arrested 29-year-old Gregory Howell and 29-year-old Rachel Howell over the weekend. A woman in Torrance, California, says she and her her boyfriend were the targets of vandalism and a racist rant last Wednesday night, and the incident was caught on camera.“We were just coming back from having my birthday dinner,” Itzel Lopez says. “We were just in shock. We didn’t know what was going. Why were they doing it? They don’t know us. They were being really mean and racist.”On their way home, Lopez, who is Mexican, noticed two people in a pickup truck were driving behind them for several minutes.As they approached a red light, the truck went in front of them.“I don’t know why they followed us for miles until we came to a complete stop because they cut us in front,” adds Lopez.A man and woman stepped out of the truck, and Lopez started recording.“We tried to get away. She kept standing in front of the car and wouldn’t let us leave,” according to Lopez.In the video, the other woman can be heard heard saying, “White lives matter, b—h,” as the man is seen doing a Nazi salute in front of Lopez’s boyfriend, who is Black.
BILL NEAL :10 RRRRiiiinnnngggg… RRRRiiiinnnngggg… Ring damn it! Oh my bad… Hello, Smitty’s Bar and Grill. You know how we call it, you stab-um and we’ll slab-um! Smitty here. Who? Mike who? Naw, nobody here named Mike Brown. No. I’m telling you, I am looking at the whole joint right now and the only ones here are a bunch of drunk Notre Dame dudes. Chris Rainey in the corner talking to hisself, Lance Armstrong and Oprah (No, my man, you don’t wanna know). Oh wait, you talking bout “Coach Brown.” We don’t know his first name. We just call him Coach. He came in here a few months ago with a clipboard talkin’ bout somebody named Jerry Buss did him wrong. But you know the strangest thing happened last week. He came in with “Mrs. Rudolph.” You know, the voo-doo lady from round the way and they both kept saying something about, “Who’s sorry now you S-O-Bs?” Alright, hold on, I’ll get him. Yo, “Coach Brown,” you wanted on the phone man… some cat named “Kobe.” Said he needs to talk to you right away and he said to tell Mr. Rudolph he got “A Goose and Turkey!”:09 To me it’s real simple. The baseball players used PEDs. PEDs weren’t illegal. The league knew they were using them while they were knocking the cover off the ball and making a zillion dollars. That means everyone on the list goes in the Hall of Fame. Bonds, Clemons, Sosa… they’re all in! Like I said, real simple. (For you late to the dance Peabody grads, that’s performance enhancing drugs…PEDs).:08 I saw Ruthie Walker at my favorite writing spot (and yes, I only go there for the wings). Anyway, if you think she’s not one of the best girls Middle School coaches in the city league, you try winning 5 championships in six years. Yea, that’s what I thought! Hey Ruthie, you’re now In The Locker Room.:07 Well, Fred and Booker and, yeah, my old man too. The fat lady may not be singing, but she’s warming up her pipes on the Lakers. But I am a true fan. I am going down with the ship. Give it a few more weeks before I pull the plug. (Hey LeBron… LeBron… wait up my man… what’s up?).:06 Lance Armstrong, WILL – YOU – PLEASE – JUST – SHUT – UP! And don’t start that crying with Oprah. Take it to the grave with ya. Follow the Barry Bonds, Roger Clemons plan. If you didn’t see it, I didn’t do it! C’mon man!!:05 How does a KFC close up in Homewood and East Liberty? A chicken joint that can’t stay open in the Hood, I’m just saying!?!?!
Laura Nicholls of Spain, left, and Brittney Griner of US fight for the ball during their Basketball Championship for Women’s final at Fenerbahce Arena in Istanbul, Turkey, Sunday, Oct. 5, 2014.(AP Photo)WNBA star Brittney Griner was cut on the elbow by a man in a knife attack in China but didn’t need to go to the hospital, her agent told The Associated Press on Tuesday.Agent Lindsay Kagawa Colas said Griner sustained a small cut as her team was boarding a bus after practice Monday in what she called a random attack. Colas said the 6-foot-8 player was wearing a winter coat and that the knife barely cut her skin. Griner didn’t require stitches.The agent said the man also stabbed one of Griner’s teammates, but that she was wearing two jackets and the knife didn’t go through.Colas said the man was yelling as he chased the players onto the bus. She said he left the scene, then returned covered in blood and was apprehended by Chinese authorities. It was not immediately clear in which city this happened.Griner plays in the WNBA with the Phoenix Mercury. This is her second season in China and first with the Beijing Great Wall. The team was preparing for a road game against Liaoning Hengye.Griner, who led Baylor to a 40-0 season and the 2012 NCAA title, came out as a lesbian in 2013 after her senior season. She was the No. 1 pick by the Mercury in the 2013 draft.
A handful of those players — netminder Ben Kelsch, defenceman Aigne McGeady-Bruce and forwards Sawyer Hunt and Colum McGauley are local grads from Nelson Minor Hockey.DiBella also recruited 16-year-old forward Ryan Piva and defenceman Brendan McKay from Trail.“I feel we’ve got a great group of local players on the roster,” said DiBella, promising to return to the days of Simon Wheeldon coaching by rolling all four lines and defence during the games this season.“I’ve always been a huge proponent of looking after your own and I’m confident the locals we have will play a big part of our success and help our team.”Nelson, with 22 players on the roster, opens Friday in Beaver Valley before heading south of the 49th parallel to face the Spokane Braves Saturday.Leafs fans see the Green and White for the first time this season Friday, September 16 at the NDCC Arena against Spokane.DiBella said 20-year-old Jason Sandhu, acquired in an off-season deal with Ridge Meadows of the Pacific Junior Hockey League, will get the start in goal against the Hawks.“He’s been terrific, not only in the exhibition games but also in practice,” DiBella exclaimed.“If it was normal to put a “C” on a goalie, then I’d have one on Jason . . . he’s just been exceptional as a leader for far this season.”The undefeated record during the exhibition season only proves the Leafs may have got the jump on some teams in the league.However, it’s a long season, and the real season doesn’t start until February, when the post season arrives.Which means some Leaf fans may want to see a little more proof of the turnaround before jumping completely on the bandwagon.“We will build off out exhibition momentum although we will see the real teams going into regular season now that most rosters have been solidified,” Dooley explained.“That being said I believe everyone will notice the change in structure and the exciting product that will be on the ice.”Can’t wait.Go Leafs Go! Hockey and winning have always been associated with Nelson Leafs teams.But it’s been seven years since the Leafs won the Kootenay International Junior Hockey League title.And the 2010 campaign was the last time a Nelson team made it out of the Murdoch Division.Which seems like an eternity for loyal Green and White fans used to watching hockey in March.However, there’s appears to be slight bit of hope on the horizon.Nelson has been on a serious rebuild since dumping its coach midway through last season.And the new coaching staff has already instilled a different atmosphere in the dressing room.“Our recruiting has turned out to be successful in the areas we were looking to fill within our team structure,” said Assistant coach and GM Sean Dooley on the on the eve of the season opener Friday in Fruitvale against the Beaver Valley Nitehawks — a team Nelson must tame if the franchise wants to relive the glory years of past championship seasons.“We have a good balance of offensive and defensive minded players. We wanted speed, size and the hardest working team we could find and I believe we’ve obtained that within this group of players.”Head coach and Director of Player Personnel Mario DiBella likes the fact Nelson opens against the team that knocked the club out of the playoffs last season.“There’s always incentive to beat Beaver Valley for a number of reasons . . . none more than attitude,” DiBella explained.“At the end of the we all need to answer to a code of conduct which I don’t always agree transpires in (Beaver Valley). So from a personal level it would do me great service to see us win every time we play BV this year.”Nelson coaches have logged more miles than Greyhound finding the right players with skill and character to fill out the roster.