Podcasts about Prepayment

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrHEMLANE:Find better, more transparent property management with Hemlane at https://www.hemlane.com/lp/rent-to-retirement/ In today's market, defaulting to a conventional loan might be costing you more than you think.Adam Schroeder breaks down the pros, cons, and overlooked opportunities in investor financing. From DSCR loans that boost flexibility and asset protection to interest-only products that improve cash flow and lower entry costs — this episode walks you through how to match the right loan with your real estate strategy.You'll also hear why prepayment penalties aren't always a bad thing — and how you can use lender incentives to your advantage when buying turnkey rental properties.If you're building a portfolio in 2025, don't skip this one.⏱ Timestamps:00:00 – Intro: What most investors get wrong about loans00:45 – Why conventional loans aren't always the best fit01:22 – What is a DSCR loan & how it helps real estate investors02:30 – Entity ownership, DTI benefits & DSCR flexibility03:35 – DSCR vs. Conventional: Rates and cash flow04:24 – Interest-only loans: how they work and who they benefit05:40 – 2008 vs. now: why interest-only isn't a red flag today07:00 – Prepayment penalties explained: risk or reward?13:35 – Hidden incentives for turnkey property buyers

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrHEMLANE:Find better, more transparent property management with Hemlane at https://www.hemlane.com/lp/rent-to-retirement/ In today's market, defaulting to a conventional loan might be costing you more than you think.Adam Schroeder breaks down the pros, cons, and overlooked opportunities in investor financing. From DSCR loans that boost flexibility and asset protection to interest-only products that improve cash flow and lower entry costs — this episode walks you through how to match the right loan with your real estate strategy.You'll also hear why prepayment penalties aren't always a bad thing — and how you can use lender incentives to your advantage when buying turnkey rental properties.If you're building a portfolio in 2025, don't skip this one.⏱ Timestamps:00:00 – Intro: What most investors get wrong about loans00:45 – Why conventional loans aren't always the best fit01:22 – What is a DSCR loan & how it helps real estate investors02:30 – Entity ownership, DTI benefits & DSCR flexibility03:35 – DSCR vs. Conventional: Rates and cash flow04:24 – Interest-only loans: how they work and who they benefit05:40 – 2008 vs. now: why interest-only isn't a red flag today07:00 – Prepayment penalties explained: risk or reward?13:35 – Hidden incentives for turnkey property buyers

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we have a live dispatch from California MBA's Mortgage Innovators Conference in Huntington Beach. Plus, Robbie sits down with Aidium's Spencer Dusebout for a discussion on how AI is transforming the mortgage industry, from redefining lead scoring and boosting CRM adoption to supporting, not replacing, loan officers, with a spotlight on the launch of innovative “Agents.” And we close with a look at April prepayment speeds and home refinance incentives.Thank you to HomeEQ, the fully digital HELOC from Arc Home, which empowers brokers to quickly provide borrowers with easy access to their home equity. With fast, hassle-free funding in just days, HomeEQ offers a user-friendly platform that simplifies the entire process. Brokers can benefit from competitive compensation, along with comprehensive training and a complete marketing plan designed to help them re-engage former clients and grow their business. Discover how HomeEQ can enhance your offerings by visiting homeeq.archome.com/chrismanpod.

This week we're covering some considerations for making the passthrough entity tax prepayment, due on June 16.

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we explain some of the Fed's ongoing calculus between activity and inactivity as it pertains to monetary policy. Plus, Robbie sits down with economist Elliot Eisenberg to discuss the true impact of tariffs on industrialization and how people can cut through the noise in the news cycle to understand what is actually happening with both the economy and mortgage market. And we conclude with a look at the prepayment speed landscape.Thank you to BeSmartee, which is transforming mortgage lending with Bright Connect, its native mobile app designed to boost loan officer productivity, speed up referrals, and simplify the borrower experience.

Welcome to Bond Investment Mentor! In this episode, Chris discusses prepayment risk, why it may be making a comeback, and how to manage this risk in investment portfolios.In this episode:Celebrating five years of BIM1 (1:06)Bond market update (2:40)Bond rally and interest ratesFed Chair Powell commentsThe importance of "strategic patience"What's happening with the GDPNow model? (7:30) - Check out Atlanta Fed GDPNowThe return of prepayment risk management (12:32)How to work with Chris (36:00) (LEARN MORE)If you have questions about anything covered in this episode, please email me at Chris @ BondInvestmentMentor.com.Do you know someone who could benefit from this information? Please share this episode and podcast with them!You will find more articles, tips, and resources about fixed-income investing and portfolio management at BondInvestmentMentor.com. Check it out!Let's Connect via Social Media!LinkedIn: Christopher Nelson, CFA

This episode is sponsored by...BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ 

This episode is sponsored by...BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ 

Client retention has always been an issue in our industry – less than 20% of all consumers use the same broker or loan officer on a second home purchase, HELOC or refinance. But CoreLogic is giving mortgage professionals the tools they need to establish long-term relationships with their clients, helping them keep future business in-house. That's why users of their Marketing and Retention Solutions, delivered on the revolutionary Araya platform, say it's transformed the way they do business. Check it out for yourself, visit corelogic.com/chrisman today to learn more or schedule a free demo.

To stay competitive in this market, lenders need to find efficiencies and understand their operations in a much deeper way. Richey May's consulting, cybersecurity, business intelligence, and automation services are designed by mortgage experts to help you continue to drive growth and increase profitability. Visit https://richeymay.com to learn more.

Thanks to today's podcast sponsor, PHH Mortgage. For over 35 years, PHH Mortgage has provided industry-leading mortgage services. They are one of the largest servicers of residential mortgages in the United States and offer a variety of solutions for the entire mortgage lifecycle. If you are looking for a Correspondent Lending partner or an experienced, award-winning Subservicer who can manage your forward and reverse, residential and commercial, and performing and non-performing loans look no further than PHH. Learn more at business.phhmortgage.com.

Today's podcast is brought to you by Floify, a leading point-of-sale platform for mortgage professionals. Known for its user-friendly and customizable interface, Floify empowers small and midsize lenders and mortgage brokers with efficiency gains and cost savings. Features like native eSigning and electronic verification of employment expedite turn times and put money back in lenders' pockets. See the beauty of its simplicity at www.floify.com.

Tip Tuesday, 2-4 Min Real Estate Tips In this *Tip Tuesday* video, Dana and Ryan break down the concept of **prepayment penalties on mortgages**. They explain what prepayment penalties are, why lenders charge them, and the different scenarios where they might apply. Tune in to learn how these penalties can impact your financial decisions if you're considering paying off your mortgage early, refinancing, or making larger payments than scheduled. Don't miss this quick guide to understanding prepayment penalties and protecting your financial health! Connect with Dana: https://danawilson.exprealty.com/holp/app Connect with Ryan: https://www.facebook.com/thegilliamteam Tip This is a pre-recorded video. The information given in this video and/or any of our videos is not intended to promote the buying and/or selling or abstaining from buying and/or selling of any real estate. The primary purpose of this podcast is to educate and inform on a very specific market. This information should not be construed as advice. Please consult your attorney, CPA, real estate agent, or wealth manager directly in regard to any specific sale, purchase, or financial decisions you make based on the information provided in our videos.

Today's podcast is brought to you by nCino, makers of the nCino Mortgage Suite for the modern mortgage lender. nCino Mortgage Suite's three core products -- nCino Mortgage, nCino Incentive Compensation, and nCino Mortgage Analytics -- unite the people, systems, and stages of the mortgage process. See how nCino can support a homeownership journey that your borrowers and your team will love at nCino.com.

In this episode of the Lone Star Capital podcast, Craig McGrouther and I discuss a range of topics including personal updates, current deal flow, upcoming events, market insights, and the complexities of prepayment penalties in real estate financing. We delve into the differences between fixed, floating, and bridge loans, and how market conditions affect investment strategies. Our conversation emphasizes the importance of understanding debt structures and the implications of rising interest rates on real estate investments.Learn more about Lone Star Capital at www.lscre.com To apply to attend LSC Summit 2024: www.lscsummit.comGet a FREE copy of the Passive Investor Guide:https://www.lscre.com/content/passive-investor-guide Subscribe to our newsletter and receive our FREE underwriting model package:https://www.lscre.com/resource/underwriting-modelFollow Rob Beardsley:https://www.linkedin.com/in/rob-beardsley/https://www.facebook.com/RobBeardsleyLSC/Read Rob's articles:https://www.lscre.com/blog

Noluthando Mthonti-Mlambo speaks to Mining Analyst, Peter MajorSee omnystudio.com/listener for privacy information.

This week we're covering some things to keep in mind about making the June 17 passthrough entity elective tax prepayment.

This week we're covering a bill that has been introduced which would allow entities to make a passthrough entity tax election even if they didn't make a June 15 prepayment.

WTMJ Reporter Julien Johnson joins Wisconsin's Midday News to tell us what we all need to know about the Milwaukee County Transit System's new prepayment system

Payer executives are increasingly focusing on claims management to cut costs. Prepayment review offers a proactive approach compared to traditional post-payment methods, allowing payers to identify and address potential issues before claims are processed.This episode is sponsored by CERIS.

Step into the exciting and highly profitable world of pet waste removal. This episode reveals the hidden challenges and potential (big) profits of a business many overlook, highlighting the strategic approaches to getting clients, service frequency, pricing models, hiring and the critical role of efficient scheduling. Join host Adam Sylvester and Eric Krupin, owner of Kroopin's Poopin Scoopin.   Introduction to the episode and guests [0:30] A typical day in the pet waste removal business [0:55] How Erica got into the business [1:58] Getting first clients through social media [2:39] Frequency of service, and the impact of springtime on business growth [3:40] Prepayment for services and the introduction of additional services [4:51] The importance of route density and average ticket price for profitability [7:13] Tiered pricing model based on yard size and dog count [7:48] The potential and challenges of commercial accounts [8:20] Partnering with lawn care/landscaping companies and scheduling challenges [9:48] Equipment and supplies needed for starting a poop scooping business [11:30] Disposal methods for collected waste and handling client expectation [12:02] The importance of customer service and managing callback issues [13:12] What Erica and Adam love about Jobber [14:00] Using CompanyCam for taking photos of jobs [15:04] Hiring challenges and the ideal qualities in an employee [15:50] Marketing messages and addressing potential client hesitations [17:00] Working on weekends and managing safety [19:14] Exploring the idea of adding poop scooping as an add-on service for existing businesses [20:48] Initial steps and costs for starting a poop scooping business [21:40] Reflections on business naming and the potential for rebranding [22:25] Lessons learned from emotional challenges and the importance of a supportive community [24:30] Future plans for expanding the business and improving hiring processes [25:27] Pricing strategy for first-time cleanups and setting customer expectations [26:20] Dealing with inaccurate client assessments [29:00] Adam's takeaway tips [30:35]  

Suvo Strategic Minerals Ltd (ASX:SUV) interim CEO Bojan Bogunovic speaks with Proactive soon after announcing it has received a prepayment of around US$430,000 from major Chinese kaolin customer ChaoZhou ChengCheng Industrial Co for about 900 tonnes of hydrous kaolin from the Pittong operations in Victoria. This prepayment is part of a take or pay offtake agreement, marking a significant milestone in the second year of an ongoing agreement. The deal stipulates a minimum order of 4,275 tonnes of hydrous kaolin over a three-year period. #ProactiveInvestors #SuvoStrategicMinerals #ASX #Kaolin #PittongOperations #invest #investing #investment #investor #stockmarket #stocks #stock #stockmarketnews

Enjoying the podcast? Don't forget to rate and give us a review! As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com    As we all know, there are only two certainties in life - death and taxes - and going through the admin when someone dies can be a slow and expensive process. That's why it's a good idea to think about where you'd like your own money and personal belongings to go in advance to avoid making it complicated for those you leave behind.   In this episode, we discuss all the useful things you can do to make sure you've got your own affairs in order - from wills and to life insurance, to pension beneficiaries. We also talk about what's important to address when you're dealing with somebody else's estate.   Helping us to do this are our three expert guests: Solicitor for Frank Brazell & Partners and Free Wills Month; Simon Levy, CMO at  LifeSearch; Justin Harper, and PensionBee's Head of Second Line Compliance; Jaypee Soule.   Episode Breakdown:  03:16 Executors and beneficiaries 03:51 Keeping things organised for your loved ones 08:25 Lasting powers of attorney 09:54 Letters of wishes 11:21 Prepayment funerals 12:36 Life insurance  13:21 Inheritance tax 15:29 Pension beneficiaries  18:25 Writing a will 22:06 What are the rules of intestacy? 27:18 First steps when a loved one passes away 28:06 Tell Us Once service 29:37 What's probate? *We talk about what happens to your pension after death in this episode. We want to be clear that we're referring to defined contribution pensions. Here are a few more things to know: If the deceased is under 75 years old, and the pension proceeds are paid within two years of the provider knowing of the customer's death, then their beneficiaries can get the money tax-free. From 2026, if the deceased is under 75 years old, tax may be charged to the beneficiaries if the deceased has reached their lifetime allowance. Find out what  the current pension lifetime allowance is. If the deceased is aged 75 or above, the pension proceeds are taxable at the marginal rate of the beneficiary's income tax. *We want to be clear that your pension isn't legally considered part of your estate, so isn't covered by your will. However, mentioning your pension in your will may help to eliminate any doubt over your wishes, though it's recommended that you still contact your pension provider to add your beneficiaries to your policy.   Further reading: For more help dealing with the admin when someone passes away, check out these resources from PensionBee. Episode 20 transcript Pension death benefits  Pension rules after death Pension beneficiaries What happens to your pension when you die? Your guide to writing your will How your pension can save you inheritance tax. Other useful resources:  LifeSearch Free Wills Month Cheap and free wills (Money Saving Expert) Tell Us Once (GOV.UK) The LifeBook (Age UK) The Last Word report 8 Best Password Managers (Forbes) Learn more about intestacy - the process that occurs when someone dies without a will.   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow @LifeSearch on X, Instagram, Facebook and LinkedIn.

Discover the BEST Construction Business Model and the game-changing benefits of Prepayment in your Construction Business.

https://home.hallocasa.com/ - HalloCasa - The Digital Business Card for Real Estate Agents Join our Global Real Estate WhatsApp group: https://chat.whatsapp.com/FTjRF1RNCct5CQUpEbUiCT This time I talked to Jeffrey Holst, from Chattanooga, Tennessee. Jeff is a recovering attorney who spends his time as a real estate investor. He currently owns over 350 residential units and multiple commercial properties and is real estate podcast host himself, public speaker and real estate investment advisor focused on cash-flowing real estate investments across the US. I hope you enjoy the episode! 00:00:19 Introduction 00:00:37 Update on Jeffreys investment situation 00:02:00 How things started 00:04:00 Wisdom on which Jeffrey bought his first property 00:06:20 Data which help to analyze potential investments 00:09:55 Chattanooga real estate price evolution 00:10:55 Puerto Rico as aninvestment destination 00:14:11 Tanzania as an investment destination 00:16:18 Jeffrey´s partners 00:18:20 Buying many units at a fast pace 00:19:35 The process of Increasing the value of property units 00:20:20 Debt in times of inflation and detailed financials 00:22:20 Working with banks and refinancing old mortgages 00:24:15 Prepayment penalties, Minimum Hold period, Yield Maintanance and refinancing 00:26:10 Commercial Real Estate Investment in Chattanooga post pandemic 00:28:40 Interest rates for large investors 00:30:40 Real Estate Coachinga and Academy by Jeffrey 00:32:40 Book: “No Bad Days” by Jeffrey Holst 00:34:10 Final Tips for investors by Jeffrey 00:35:40 Conclusion You can contact Jeffrey via:Website: https://www.jeffreyholst.comInstagram: https://www.instagram.com/jeffreyholst/

https://home.hallocasa.com/ - HalloCasa - The Digital Business Card for Real Estate Agents Join our Global Real Estate WhatsApp group: https://chat.whatsapp.com/FTjRF1RNCct5CQUpEbUiCT This time I talked to Jeffrey Holst, from Chattanooga, Tennessee. Jeff is a recovering attorney who spends his time as a real estate investor. He currently owns over 350 residential units and multiple commercial properties and is real estate podcast host himself, public speaker and real estate investment advisor focused on cash-flowing real estate investments across the US. I hope you enjoy the episode! 00:00:19 Introduction 00:00:37 Update on Jeffreys investment situation 00:02:00 How things started 00:04:00 Wisdom on which Jeffrey bought his first property 00:06:20 Data which help to analyze potential investments 00:09:55 Chattanooga real estate price evolution 00:10:55 Puerto Rico as aninvestment destination 00:14:11 Tanzania as an investment destination 00:16:18 Jeffrey´s partners 00:18:20 Buying many units at a high fast pace 00:19:35 The process of Increasing the value of property units 00:20:20 Debt in times of inflation and detailed financials 00:22:20 Working with banks and refinancing old mortgages 00:24:15 Prepayment penalties, Minimum Hold period, Yield Maintanance and refinancing 00:26:10 Commercial Real Estate Investment in Chattanooga post pandemic 00:28:40 Interest rates for large investors 00:30:40 Real Estate Coachinga and Academy by Jeffrey 00:32:40 Book: “No Bad Days” by Jeffrey Holst 00:34:10 Final Tips for investors by Jeffrey 00:35:40 Conclusion You can contact Jeffrey via:Website: https://www.jeffreyholst.comInstagram: https://www.instagram.com/jeffreyholst/

J.D. Roth of Get Rich Slowly helps you pay your mortgage off in half the time Episode 2350: Mortgage Prepayment Made Easy: Own Your Home in Half the Time by JD Roth of Get Rich Slowly J.D. Roth has been reading and writing about personal finance for a decade. Today he's financially independent, but ten years ago, his money life was a disaster, with over $35,000 in consumer debt. He started turning everything around in 2004. By being the boss of your own life, you, too, can be the master of your own financial fate. The original post is located here: https://www.getrichslowly.org/mortgage-prepayment-made-easy-own-your-home-in-half-the-time/  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

J.D. Roth of Get Rich Slowly helps you pay your mortgage off in half the time Episode 2350: Mortgage Prepayment Made Easy: Own Your Home in Half the Time by JD Roth of Get Rich Slowly J.D. Roth has been reading and writing about personal finance for a decade. Today he's financially independent, but ten years ago, his money life was a disaster, with over $35,000 in consumer debt. He started turning everything around in 2004. By being the boss of your own life, you, too, can be the master of your own financial fate. The original post is located here: https://www.getrichslowly.org/mortgage-prepayment-made-easy-own-your-home-in-half-the-time/  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

J.D. Roth of Get Rich Slowly helps you pay your mortgage off in half the time Episode 2350: Mortgage Prepayment Made Easy: Own Your Home in Half the Time by JD Roth of Get Rich Slowly J.D. Roth has been reading and writing about personal finance for a decade. Today he's financially independent, but ten years ago, his money life was a disaster, with over $35,000 in consumer debt. He started turning everything around in 2004. By being the boss of your own life, you, too, can be the master of your own financial fate. The original post is located here: https://www.getrichslowly.org/mortgage-prepayment-made-easy-own-your-home-in-half-the-time/  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

*NEW ITEM!* Purchase my newest book! "15 Conversations with Real Estate Millionaires" https://amzn.to/3CGOWOU

The Smart 7 is a daily podcast that gives you everything you need to know in 7 minutes, at 7 am, 7 days a week... With over 12 million downloads and consistently charting, including as No. 1 News Podcast on Spotify, we're a trusted source for people every day. If you're enjoying it, please follow, share, or even post a review, it all helps... Today's episode includes the following:https://twitter.com/i/status/1648333153994522626 https://twitter.com/i/status/1648251516497825792 https://twitter.com/i/status/1648227004293021699 https://twitter.com/i/status/1648233383376371715 https://twitter.com/i/status/1648046168780447749 https://twitter.com/i/status/1648427609435553792https://twitter.com/i/status/1648438965429751812https://twitter.com/i/status/1648173720459169793https://twitter.com/i/status/1648016206866141184In Ireland? Why not try our Ireland Edition? Contact us over @TheSmart7pod or visit www.thesmart7.com Presented by Jamie East, written by Liam Thompson, researched by Lucie Lewis and produced by Daft Doris. Hosted on Acast. See acast.com/privacy for more information.

A Money Box investigation has resulted in a £150,000 refund for a vulnerable romance fraud victim, after their bank initially refused to reimburse. The victim's family were told that a voluntary code, known as the Contingent Reimbursement Model or CRM, designed to protect victims of fraud would not apply in their case, because the payments had been made to an international bank account. We look at what, if anything, banks can do to prevent payments to criminal accounts overseas. In the Spring Budget the Chancellor promised to end the so-called prepayment meter penalty, where customers currently pay an extra £45 compared to direct debit customers. We look at how the new policy will work, and if it's feasible to level the playing field between pre-payment meter customers and direct debit customers long term. And where does this leave customers who pay by cash or cheque? The Department for Levelling Up, Housing and Communities has announced another extension to the Help to Buy Equity loan scheme. For many buyers this extension came at the last possible moment, the previous deadline was the 31st March and some stood to lose their sales. Other buyers had already received their deposits back and won't benefit from the two-month extension. We hear from a buyer and a conveyancing solicitor. Presenter: Dan Whitworth Reporter: Aruna Iyengar and Dan Whitworth Researchers: Sandra Hardial and Jo Krasner Editor: Beatrice Pickup

Did you know you may be charged a prepayment penalty for attempting to pay off your loans early?  Prepayment penalties are fees that some lenders charge if you refinance or pay your mortgage off early. Not only are they fairly common—they're also often misunderstood by borrowers. In this article, we'll discuss how a mortgage prepayment penalty works, the types of prepayment penalties you may encounter, and how to avoid paying them.  Learn more about your ad choices. Visit megaphone.fm/adchoices

The Chancellor, Jeremy Hunt, is expected to use his Budget on March 15th to introduce measures to to encourage people over 50 to return to work. Since 2019 there has been a rise in the number of people defined as economically inactive. That means they are not working, self-employed, or looking for work to claim benefits. The number rose by 830,000 between 2019 and 2022, with three quarters of that increase among those aged 50 and over. The Department for Work and Pensions has a programme to encourage people over 50 back into work by offering help with health support, pension planning and flexible working opportunities. Clare Worden visits Shrewsbury Job Centre to find out more. Some energy customers are being left for months with faulty prepayment meters. Several people have told Money Box that although their electricity has not been disconnected the screens showing their credit has been blank since Christmas and they cannot top up, so they have no idea how much electricity they're using or what it is costing them. The law says suppliers should take 'appropriate action' within hours - arranging to fix or replace the meter. Or at the least to arrange an appointment. We'll get reaction from their suppliers and talk to Matt Cole from the Fuel Bank Foundation. And where should you put your money to make the most out of it? We'll talk savings with Anna Bowes from Savings Champion. Presenter: Paul Lewis Reporter: Clare Worden Researchers: Sandra Hardial and Jo Krasner Editor: Jess Quayle (First broadcast 12pm, Saturday 25th February, 2023)

- UK firms await government help after US bank collapse - Prepayment energy meter bills to be cut by £45 - Money in failed US SVB is safe - US government 3 of 5 business stories featured in today's 90 second podcast

In this week's Talking Money, Rory discusses the allegations against British Gas installing energy prepayment meters, what the government's response has been and the effect this has had on the energy market.

Welcome to Strategy Saturday; I'm Charles Carillo and today we're going to be discussing Prepayment Penalties on Commercial Loans. When searching out a mortgage for a commercial property; most new investors will focus on obtaining the lowest fixed-rate debt they are able to find. However, there are other parts of a commercial loan that need to be taken into consideration; like the the prepayment penalty. In this episode, Charles discusses prepayment penalties and why they are one of the most important parts of a commercial loan. Connect with the Global Investors Show, Charles Carillo and Harborside Partners: ◾ Setup a FREE 30 Minute Strategy Call with Charles: http://ScheduleCharles.com ◾ FREE Passive Investing Guide: http://www.HSPguide.com ◾ Join Our Weekly Email Newsletter: http://www.HSPsignup.com ◾ Passively Invest in Real Estate: http://www.InvestHSP.com ◾ Global Investors Web Page: http://GlobalInvestorsPodcast.com/

If companies know they inappropriately installed a prepayment meter, then they should fix it now' was the message today from the CEO of the energy regulator OFGEM. The forced installation of prepayment meters was suspended after an investigation by The Times into British Gas contractors breaking into the homes of vulnerable customers to force-fit meters. OFGEM will investigate British Gas and will also review regulations on the installation of prepayment meters, which have increased sharply over the last year. Credit: Reuters Location: Cardiff, United Kingdom Copyright: Reuters/Natasha Hirst

Energy suppliers have agreed to stop forcibly installing prepayment meters in the homes of vulnerable people. Why was it happening in the first place?Tortoise is a news start-up devoted to slow journalism. To access more of our journalism and get invites to exclusive events you can join Tortoise as a member. Visit tortoisemedia.com/friend and use the code Sense60 for a special offer today. Hosted on Acast. See acast.com/privacy for more information. Hosted on Acast. See acast.com/privacy for more information.

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British Gas has suspended the force-fitting of prepayment meters after a report said it imposed them on vulnerable customers. The Times reported a company employed by British Gas had broken into homes to fit the meters, despite signs children and disabled people were living there. Business Secretary Grant Shapps says he was horrified by the findings. British Gas's owner Centrica says it would suspend the use of court warrants that allow forced installations. Centrica says the suspension would last "until at least after winter" and that protecting vulnerable people was its priority.This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/4090160/advertisement

On today's episode, Ian King speaks to the chief executive of Centrica - the parent company of British Gas - about prepayment meters. He also discusses record profits posted by Shell amid the cost of living crisis. And Ian finds out all about the latest technology unveiled by Samsung.

In today's episode, MUFG Head of Prepayment Modeling and Strategy, Glenn Schultz reviews December's remittance data and addresses the question: are we in the winter of prepayment or are the slow speeds just turnover? He also discusses relative value across the specified pool and derivative markets. Disclaimer: www.mufgresearch.com (PDF)

On this episode of the Investor Financing Podcast, Beau talked about SBA 7a prepayment penalties.

Cyprium Metals (ASX: CYM) managing director Barry Cahill joins Small Caps to discuss the company's progress to restart the Nifty copper mine in Western Australia. The company is a step closer to the targeted A$240-260 million funding required to bring Nifty online after executing a US$35 million prepayment facility with Transmine SA. Under the deal, Transmine will take all of the copper cathode produce during the mine's first phase of operation, which is expected to exceed 140,000t. Articles:https://smallcaps.com.au/swiss-trading-house-pays-cyprium-metals-secure-copper-cathode-supply/https://smallcaps.com.au/cyprium-metals-intercepts-copper-zinc-gold-nickel-drilling-cue-project/ For more information on Cyprium Metals:https://smallcaps.com.au/stocks/CYM/See omnystudio.com/listener for privacy information.

In today's episode, MUFG Head of Prepayment Modeling and Strategy Glenn Schultz wraps up 2022 prepayment and reviews our major themes for the year and how they played out versus our expectations. Looking forward into 2023, Glenn discusses the outlook for prepayment, along with the PO value of the discount agency MBS sector and its place in investor portfolios.  Disclaimer: www.mufgresearch.com (PDF)

Today, my guest is Kevin swilled. Kevin is the CEO of Thirty Capital Financial, a commercial real estate debt advisory firm and pioneer in the defeasance space. Kevin is an accomplished executive with experience in acquisitions does dispositions, financing, capital raising asset and property management.

This week we're covering the passthrough entity tax June 15 prepayment requirement as it relates to new entities and fiscal-year taxpayers.

In today's episode, MUFG Head of Prepayment Modeling and Strategy Glenn Schultz discusses the October remittance data and outlines our views with respect to winter seasonal turnover prepayment, 2023 issuance, and investors' search for convexity in the agency MBS. He also discusses the use of machine learning to identify unique convexity profiles, and how investors may leverage machine learning to create excess risk adjusted returns in the agency MBS market. Disclaimer: www.mufgresearch.com (PDF)

On this week's episode, COO Michael Bland talks Prepayment Penalties and what they mean to borrowers.If you have a question you want us to answer on the podcast, email it to info@fountainheadcc.com

Are There Prepayment Penalties on DSCR Loans? On this episode of the Investor Financing Podcast, Beau answers the question about whether DSCR loans have pre-payment penalties. He also talks about business purpose DSCR loans.

For many people, this life is the meaning of their existence only because they do not know a different life, let alone the life they will have after the death of their physical body. What should be done in order to stabilize oneself in spiritual development and start generating Love in unity with the Spiritual World? What is it connected with, when some people have just felt contact with the Spiritual World, they cling to this Life, and nothing can stop them, they just continue to go deeper into this state and form Life in themselves, form an Angel in themselves, while for others this process is more difficult? Why for some people, when they work on themselves, their inner world changes quickly in a flash, while for others nothing changes for years and consciousness tells them, “You haven't achieved anything, you've wasted years in vain?” Why do things happen to people that they talked about long before that event? How to retain the state of God's Love, and what should be done for that? Videos with Igor Mikhailovich Danilov: https://www.youtube.com/playlist?list=PL-gwQUB4VIPlpCa4pvsjSqeQZ1N6hLzBB Book AllatRa https://allatra.tv/en/book/anastasia-novykh-allatra

For many people, this life is the meaning of their existence only because they do not know a different life, let alone the life they will have after the death of their physical body. What should be done in order to stabilize oneself in spiritual development and start generating Love in unity with the Spiritual World? What is it connected with, when some people have just felt contact with the Spiritual World, they cling to this Life, and nothing can stop them, they just continue to go deeper into this state and form Life in themselves, form an Angel in themselves, while for others this process is more difficult? Why for some people, when they work on themselves, their inner world changes quickly in a flash, while for others nothing changes for years and consciousness tells them, “You haven't achieved anything, you've wasted years in vain?” Why do things happen to people that they talked about long before that event? How to retain the state of God's Love, and what should be done for that? Videos with Igor Mikhailovich Danilov: https://www.youtube.com/playlist?list=PL-gwQUB4VIPlpCa4pvsjSqeQZ1N6hLzBB Book AllatRa https://allatra.tv/en/book/anastasia-novykh-allatra

In this episode, MUFG Head of Prepayment Modeling and Strategy Glenn Schultz discusses recent prepayment data and shares his views on valuation across the agency MBS coupon stack. He also reviews the recent slowdown in the U.S. housing market and the outlook for the housing market against the backdrop of a higher 30-year mortgage rate. Finally, Glenn takes listeners through the outlook for agency MBS issuance for the second half of the year and the mortgage basis. Disclaimer: www.mufgresearch.com (PDF)

Lexman interviews Colin Angle about his startup Topers and their new catalyzers. They discuss the importance of top-up payments, how they're changing the way we consume media, and how this technology can be useful beyond the mobile world.

Everyone's least favorite part of the case acceptance process is when you have to bring up the fee and ask for the money—but it's important you do it right because it will ultimately determine whether the patient gets the treatment they need. So this week, Jeff brings on special guest Sabri Blumberg to give some great tips on how to approach the financial discussion.   4:36 – When to begin the financial discussion 17:10 – When to do the “hand off” to the Financial or Treatment Coordinator 24:13 – Using third party financing intelligently 37:11 – Prepayment 41:21 – If the patient changes their mind after talking to the doctor   Treatment Coordinator Course - https://ddssuccess.com/p/treatment-coordinator-training-course Learn more about MGE - https://www.mgeonline.com

Joe Couto, Director of Government Relations and Communications, Ontario Association of Chiefs of Police talks about calls for mandatory prepayment at fuel pumps as 'gas-and-dash' thefts skyrocket. See omnystudio.com/listener for privacy information.

April 29, 2022Mark, Scott, and Ray discuss two current topics:1)  Letter of notification from CMS/Qlarant, a provider was selected for prepayment claim review. We have received two record requests from them on urine PCR code 87798. 2)  United Health Care proposing a plan to encourage e-consults for urology providers. ​NEW ONLINE WORKSHOP - Urologists' Coding WorkshopSpecial 5-hour virtual, intensive, and interactive workshop for practicing urologists and APPs (coders, billers and admins are welcome to participate)."Beef Up" On General Coding KnowledgePRS Network Presentation TeamDr. John LinMark PainterScott PainterFrom the perspective of a practicing Urologist and experts In Urology Coding.The majority of your income is from what you do in the clinic...It's a great idea to make your life as easy as possible. Mastering medical coding will ensure you reach the pinnacle of your game, so you can have time and energy for patient care and a happy life.Join us for the Urologists' Coding Workshop so we can help you get there!Register NowHappy Coding!  Join the discussion:Urology Coding and Reimbursement Group - Join for free and ask your questions, and share your wisdom.Click Here to Start Your Free Trial of AUACodingToday.com 

Today's question comes from Gonzalo in NYC First I'd like to thank you for all your insight and knowledge you share on your podcast and in your book. It's both informative and inspiring. I exited a bridge loan 2 years ago in the middle of the pandemic. Because of the pandemic, one of the banks requirements was to hold a cash reserve of $110k. I agreed with the understanding that the funds would be released after 12 months or once the pandemic was over. Although there hasn't been any late or missed payments the bank requested to see income/expense report for the last 3 months. I shared the info with them which included several of the units being on Airbnb. I have abided NYC rent guidelines and have been doing 30 day minimum ONLY. The bank now refuses to release the funds stating that I am in default because I am Airbnb'in. I was totally unaware of how the Bank would scrutinize my loan. Ideally I would like to continue to use Airbnb as it yields higher income. Some useful facts 16 unit rent stabilized building 10 year fixed rate Prepayment penalty on the loan Can you offer any advice on what course of action would be best to take! Thank you in advance for your help. ----------------- Host: Victor Menasce email: podcast@victorjm.com

Liberal Democrat peer and former Kirklees Council leader Kath Pinnock tells Chris Burn why she is so concerned about prepayment meter customers as energy bills rocket.

In this episode MUFG Head of Prepayment Modeling and Strategy Glenn Schultz discusses the transition of the mortgage prepayment landscape to one dominated by turnover and burnout rather than refinancing. He discusses why he believes that turnover will become the dominant theme in 2022. He takes a balanced look at the specified pool sector, identifying the ‘Kings of extension protection” and “Princes of call protection.” Finally, he discusses his views on the recent widening trend in the current coupon basis. Disclaimer: www.mufgresearch.com (PDF)

In today's episode, Glenn Schultz, MUFG Head of Agency Mortgage Prepayment Modeling and Strategy, discusses the regime change he has witnessed in Agency MBS prepayment during the most recent refinance wave and its implications for investors. Glenn discusses its impact on option adjusted spreads, MBS option costs, and nominal spreads, as well as the risk to his 2022 issuance outlook as a result of a higher 30-year mortgage rate. Disclaimer: www.mufgresearch.com (PDF)

In this episode, Glenn Schultz, MUFG Head of Agency Mortgage Prepayment Modeling and Strategy, discusses pending and existing home sales and how this gives us a glimpse into prepayment speeds. He also goes over what is driving the turnover rate higher than model assumptions. Disclaimer: www.mufgresearch.com (PDF)

Can you afford your medical prescriptions? This episode shows you how to get free or cheaper prescriptions based on your situation and explains all you need to know about a prescription prepayment certificate.

Higher energy prices will hit millions of people across the UK in October, just when the cold weather starts, and the country moves into winter. The energy regulator, Ofgem, said the price cap for default domestic energy deals would be raised to cover suppliers' extra wholesale costs. Your typical gas and electricity bill could go up by £139 to £1,277 a year. Prepayment customers will see an increase of £153, from £1,156 to £1309, the regulator said. There has never been a more urgent time to review your tariff and consider switching to a cheaper supplier. Switching is simple using one of the many comparison sites or making a few phone calls. Just Google ‘switch energy supplier'. One comparison site said you can save £268 by switching today. I have not verified this statement, but I have save similar amounts by shopping around. You can also save by calling you current supplier and asking them to put you on a cheaper tariff. The worst tariff is usually the ‘standard' one and people with prepay metres – usually the lowest paid - are paying the most for their energy. HMO landlords who include bills in the rent should definitely shop around for the best deals, as tenants, like children, are not too fussed about turning off lights! The energy price hike reflects rising costs of commodities across the globe. Yesterday, the Governor of the Bank of England described price rise surge as “temporary”, as base interest rates were held at the record low of 0.1%.  Andrew Bailey did warn that if inflation continued to rise that the central bank would have to take “action”, which translates as higher interest rates.   Becoming financially free takes time and requires many hours of hard work and study. If you would like to learn how to invest and manage your money, become a professional property investor, andbe financially free without working any harder and spending your life exchanging your time for money watch this free on demand training now to learn how to become financially free without working any harder. As a thank you, I will give a special free gift which can help transform your finances when you attend the online training. Click on this link to watch the free training now https://bit.ly/3wLWqx2   See omnystudio.com/listener for privacy information.

Higher energy prices will hit millions of people across the UK in October, just when the cold weather starts, and the country moves into winter. The energy regulator, Ofgem, said the price cap for default domestic energy deals would be raised to cover suppliers' extra wholesale costs. Your typical gas and electricity bill could go up by £139 to £1,277 a year. Prepayment customers will see an increase of £153, from £1,156 to £1309, the regulator said. There has never been a more urgent time to review your tariff and consider switching to a cheaper supplier. Switching is simple using one of the many comparison sites or making a few phone calls. Just Google ‘switch energy supplier'. One comparison site said you can save £268 by switching today. I have not verified this statement, but I have saved similar amounts by shopping around. Check out my free S.M.A.R.T MONEY MANAGER COURSE VIDEO. You can also save by calling you current supplier and asking them to put you on a cheaper tariff. The worst tariff is usually the ‘standard' one and people with prepay metres – usually the lowest paid - are paying the most for their energy. HMO landlords who include bills in the rent should definitely shop around for the best deals, as tenants, like children, are not too fussed about turning off lights! The energy price hike reflects rising costs of commodities across the globe. Yesterday, the Governor of the Bank of England described price rise surge as “temporary”, as the Monetary Policy Committee (MPC) unanimously voted to hold base interest rates at the record low 0.1%. Andrew Bailey did warn that if inflation continued to rise that the central bank would have to take “action”, which translates as higher interest rates. The Bank warned inflation will hit 4% this year, higher than previously forecast and double its 2% target rate. We have witnessed higher prices in the shops here and in America. The Consumer Prices Index hit its highest for almost three years in June, at 2.5%, as food and energy costs rose. This could be a long cold winter for millions of people, so you had better prepare yourself. Becoming financially free takes time and requires many hours of hard work and study. If you would like to learn how to invest and manage your money, become a professional property investor, and be financially free without working any harder and spending your life exchanging your time for money watch this free on demand training now to learn how to become financially free without working any harder. As a thank you, I will give a special free gift which can help transform your finances when you attend the online training. Click on this link to watch the free training now https://bit.ly/3wLWqx2

Origence provides integrated origination technology solutions that transform the lending experience. The Origence Mortgage Platform is a fully integrated digital solution that covers the entire lending life cycle—from application to closing. With Origence, lenders have access to client configurable workflows, as well as automation of nearly every step in the mortgage fulfillment process. Use Origence to replace your traditional mortgage stack with a single modern platform. Or, use the modular capabilities of the platform to integrate Origence anywhere in your tech stack, wherever you need to make the biggest impact on your lending. With origination, processing, underwriting, closing, funding and delivery under one, innovative platform, lenders can achieve big results in less time and at a lower cost with Origence. Visit Origence.com for more details.

PRODUCT OVERVIEW ✔ Transitional, value-add and event-driven real estate opportunities ✔ Highly structured loan solutions ✔ Financing customized to borrower business plan ✔ Loan size: up to 80% of project cost, 85% senior stretch deal-specific ✔ Term: floating rate up to five years including extensions ✔ Prepayment: minimum interest ✔ Future Funding: Capex, TI/LC, earnouts, interest, and operating reserves ✔ Fixed and fixed/floating hybrid loan solutions Interested? If you want to learn more about these types of bridge loans, book a meeting with me here - https://calendly.com/beaueckstein/15-minute-meeting-emerge-lending

This episode is also available as a blog post: http://confoundedinterest.net/2021/05/26/prepayment-worries-ease-with-drop-in-refi-applications-have-mortgage-applications-run-out-of-gas/

In this episode, Glenn Schultz, MUFG Head of Agency Mortgage Prepayment Modeling and Strategy, talks about the reprieve we will see in prepayment speeds but indicates this is certainly not the end of the refinance wave. He also discusses his view on May prepayment speeds. Disclaimer: www.mufgresearch.com (PDF)

In today's podcast, MUFG Head of Agency Mortgage Strategy and Prepayment Modeling, Glenn Schultz, discusses the January 2021 prepayment speeds and explores if speeds are slowing down and if we are seeing burnout in the premium sector.  Disclaimer: www.mufgresearch.com (PDF)

Welcome to Season 2, Episode 2 of the Healthcare Fraud Shield podcast. In this episode we will address the who, what, where, when and why of Prepayment. If you would like to record a message for our podcast you can go to https://anchor.fm/hcfs/message. If you want to learn more about Healthcare Fraud Shield's integrated FWA software solution, check out our website at www.hcfraudshield.com. If you would like to sign up for our webinars you can monitor our future webinars here: www.tinyurl.com/hcfswebinar. Do you have any questions or podcast topic ideas? Email me at kweintraub@hcfraudshield.com.

In this episode, Kurt Beshore, AgChoice loan officer, discusses prepayment penalties. He explains what they are and the hidden costs to be aware of.

USDA BNI loans are an amazing financing source for properties and businesses needing financing in rural markets. Learn how these programs work in this episode. $2 MM - $25 MM Loan Amounts $2 MM - $25 MM Populations of 50,000 or Fewer USDA term length and amortization depends on the product as well as the underwriting guidelines of the conventional partner. Terms and amortizations can go up to 40 years in some limited circumstances but are typically between 5 and 30 years. USDA loans are almost always recourse. Prepayment structures can vary greatly, depending on how the conventional partner structures the loan and what USDA program is guarantying the loan. Lending area are only available in rural areas less than 50,000 population.

Welcome to Bond Investment Mentor! This is a podcast dedicated to helping community financial institutions master the art of fixed income investments.  In this episode:A Shift in How the Fed Approaches Monetary PolicyTracking the Types of Prepayment in a Mortgage Security Voluntary vs. Involuntary PrepaymentBloomberg's Collateral Performance (CLP) ScreenAn Update on Online Courses Coming Soon!Join the Waiting List for New Courses6 Investment Risks#1 - Credit risk (3 kinds)Default riskDowngrade riskCredit spread risk#2 - Interest rate risk#3 - Prepayment/option risk#4 - Extension risk#5 - Reinvestment risk#6 - Liquidity riskIf you have questions about anything covered in this episode, please email me at Chris @ BondInvestmentMentor.com.Do you know someone who could benefit from this information?  Please share this episode and podcast with them!You will find more articles, tips and resources about fixed income investing and portfolio management at BondInvestmentMentor.com.  Check it out!Let’s Connect via Social Media!LinkedIn:  Christopher Nelson, CFAFacebook:  Bond Investment Mentor

Welcome to Bond Investment Mentor! This is a podcast dedicated to helping community financial institutions master the art of fixed income investments.  In this episode:Review of Economic & Finance NewsMay retail salesFed Chair Powell's Capitol Hill appearancesWeekly jobless claimsDoes Anyone Invest in Treasuries Anymore?MSRB Weekly COVID-19 Disclosure Summary Link to Summary & Disclosure SpreadsheetMBS Prepayment & Prepayment RiskReview: What is prepayment?Voluntary vs. involuntary prepaymentWhat is prepayment risk?Why is prepayment risk important?Measuring prepaymentCPRCPBPSABloomberg yield tablesYTYTRYTHYT BAMManaging prepayment riskWhat you do and don't controlNew (TBA) vs. alternative MBS typesCollateral analysisWhat is extension risk?If you have questions about anything covered in this episode, please email me at Chris @ BondInvestmentMentor.com.Do you know someone who could benefit from this information?  Please share this episode and podcast with them!You will find more articles, tips and resources about fixed income investing and portfolio management at BondInvestmentMentor.com.  Check it out!Let’s Connect via Social Media!LinkedIn:  Christopher Nelson, CFAFacebook:  Bond Investment Mentor

Mike Taravella interviews Will Coleman about the best time to refinance Key Information: Community banks have various seasoning periods ranging from 1-3 years depending on the bank Agency banks generally like to have 1-2 year seasoning period When you refinance the banks like for you to have “skin in the game” Know your prepayment penalties (yield maintenance or step-down) Yield Maintenance is calculated by taking the net present balance of the loan and multiplying it by the difference in the interest rate on the loan and the correlating bond yield. Step down is calculated as taking a predetermined percentage and multiplying it by the loan balance. If it is a 5-year term generally your step down will be 5% year 1, 4% year 2, 3% year 3, 2% year 4, and 1% year 5. Refinance is about helping you execute your long-term plan for the property Expert Pro Tip: Know who and what you are, be clear on that, meditate on it, and then live and die by it (Nipsey Hussle) Contact Information: will@randcre.com www.randcapllc.com  www.randcre.com  To register to invest with us: https://invest.randpartnersllc.com/invexp/accounts/login/ Rand CRE's Facebook: https://www.facebook.com/randcre Rand CRE's Linkedin: https://www.linkedin.com/company/randcre Rand CRE's Instagram: https://www.instagram.com/randcre

BLACK KNIGHT’S FIRST LOOK AT APRIL 2020 MORTGAGE DATA   https://www.blackknightinc.com/black-knights-first-look-at-april-2020-mortgage-data/?fbclid=IwAR3XJXH9UyNMycokvvXCCTBF6399w3c2U1f_okhg0hOHd-FMjzAs-AguZDs   3.6 million homeowners were past due on their mortgages as of the end of April, the largest number since January 2015 The number includes both homeowners past due on mortgage payments who are not in forbearance, as well as those in forbearance plans who did not make an April mortgage payment At 6.45%, the national delinquency rate nearly doubled (+3.06%) from March, the largest single-month increase ever recorded, and nearly three times the previous single-month record set back in late 2008 Delinquency increases in Nevada (+5.2%), New Jersey (+5.1%), and New York (+4.9%) led the states, while Miami (+7.2%), Las Vegas (+6.2%) and New York City (+5.4%) topped the 100 largest metro areas There were declines in cure activity among later-stage delinquencies as well, with the number of seriously delinquent mortgages (90+ days) increasing by 56,000 (+14%) from March Both foreclosure starts and foreclosure sales hit record lows in April as moratoriums halted foreclosure activity across the country Prepayment speeds jumped 23% from March to hit the highest monthly prepayment rate in 16 years   https://www.housingwire.com/articles/april-home-sales-take-biggest-hit-in-almost-a-decade/   April home sales take the biggest hit in almost a decade Limited supply boosted median home price 7.4% from a year ago, NAR says   Existing home sales plunged 17.8% from March, the biggest drop since July 2010, as deals fell through in the midst of the worst public health crisis in more than a century. Sales fell to a seasonally adjusted 4.33 million annual pace, the slowest rate in a year and almost a million short of the previous month, the National Association of Realtors said in a report on Tuesday. The median price rose 7.4% to $286,800 after gaining in all areas of the country, according to NAR Chief Economist Lawrence Yun. Sales were down 17.2% compared to this time a year ago, he said. The economic lockdown temporarily disrupted home sales beginning mid-March through April, Yun said. But the listings that are currently on the market are still attracting buyers and boosting home prices, he said. “Record-low mortgage rates are likely to remain in place for the rest of the year, and will be the key factor driving housing demand as state economies steadily reopen,” Yun said. The coronavirus pandemic put more than 39 million Americans on the unemployment rolls in the past nine weeks. The death toll has risen to more than 93,000, according to data from Johns Hopkins University.       https://www.housingwire.com/articles/fannie-mae-freddie-mac-will-allow-borrowers-who-took-forbearance-to-refinance-their-mortgage/   Fannie Mae, Freddie Mac will allow borrowers who took forbearance to refinance their mortgage GSEs also extended their timeframe for buying loans that went into first-payment forbearance   Here, from Fannie Mae, are more details on how borrowers who either requested and/or accepted forbearance may be eligible for a refi or new mortgage:   Under the temporary eligibility guidelines, effective immediately, homeowners who missed payments and entered into a loss mitigation solution – such as a repayment plan, payment deferral, or loan modification – are eligible for a new refinance or purchase mortgage after three timely payments.   There is no waiting period for borrowers who missed payments due to a COVID-19 financial hardship but have since completed reinstatement by repaying the full amount of the outstanding payments missed during the forbearance period.   There also is no waiting period for borrowers who requested forbearance due to a COVID-19 financial hardship but ultimately were able to make all their payments in full and on time.  

As if the apartment syndication process wasn’t complicated enough, now you have to worry about prepayment penalties on the financing. Theo will cover how they work, what to look out for, and when it may make sense to bite the bullet and pay the penalties. If you enjoyed today’s episode remember to subscribe in iTunes and leave us a review! Best Ever Tweet: “Remember to take into account these prepayment penalties”  The Best Ever Conference is approaching quickly and you could earn your ticket for free. Simply visit and sign up to be an affiliate to start earning 15% of every ticket you sell.  Our fourth annual conference will be taking place February 20-22 in Keystone, CO. We’ll be covering the higher level topics that our audience has requested to hear.

Trying to decide on the best financing strategy for your apartment property?The 10 Year Treasury briefly tested 2.00% last week, which is great news for multifamily buyers, but is causing major heartburn for owners with yield-maintenance based prepayment penalties (think Fannie Mae & Freddie Mac) looking to exit early.But with low rates, long runways and non-recourse terms, agency debt is still a great path to finance your property. So we talked to an expert on best strategies to minimize prepayment penalties so you can have your cake and eat it too.Joining the show today is Fritz Waldvogel, Vice President of Dougherty Mortgage, one of the fastest growing Fannie Mae licensed DUS lenders in the nation.Get Smart and Invest Smarter with the Apartment Investor Show where JC Castillo and Paul Peebles interview top industry experts and discuss current market trends, investment strategies and fundamental concepts to help you make smart multifamily real estate investments.JC Castillo is an ex-techie turned real estate investor who’s profitably navigated through a full market cycle. In 2006 he founded Multifamily Property Group, a vertically integrated private equity firm focused on large scale value-add apartment properties in select US markets. Learn more about Multifamily Property Group. https://www.multifamgroup.com/Paul Peebles has been arranging real estate financing for borrowers and institutional clients since 1987. Mr. Peebles is the National Underwriter at Old Capital, underwriting and structuring all transactions handled by the company. Learn more about Old Capital. http://www.oldcapitallending.com/

We visited the real estate world and talked about prepayment penalties on mortgage payoffs and when they’re not legal. We also touched upon joint bank accounts and discussed whose money it really is in those accounts. Additional topics included Intentional Infliction of Emotional Distress and its cousin, Negligent infliction of emotional distress; the legal liability of the keeper of domestic animals (excluding dogs); and whether a property owner is liable if a trespasser trips and hurts himself/herself on the property.

A prepayment penalty on a deal is never fun to payout. For many lenders, it’s necessary for them to lock in their profit for a certain amount of time. But do you know your options? Check out “FOUR TYPES of Prepayment Penalties & How to Negotiate Them”. This episode is part of Multifamily Mindset, a series of short audios where I'll share with you some of the lessons learned from my career in multifamily and real estate. Would you rather see videos? Search for "Bulletproof Cashflow" on Facebook, YouTube, and Instagram!  

Sean Cooper bought his first house when he was just 27 and paid off his mortgage at 30. An in-demand personal finance journalist, best-selling author and speaker, his articles have been featured in publications such as the Toronto Star, Globe and Mail, Financial Post,  MoneySense  and  Tangerine's Forward Thinking blog. He makes regular appearances on national radio and television shows to discuss personal finance, real estate, mortgages, pensions, and retirement planning. He lives debt-free in Toronto. Guest: Personal Finance Journalist, Bestselling Author, Sean Cooper In this episode learn about: – Why is it important to keep eye on your credit score– Tips on funding your mortgage – Easiest ways to come up with a downpayment– The 3 mortgage P's (Penalty, Prepayment, Portability) To get it touch with Sean you can email  him at  SeanCooperWriter@gmail.com, call his phone number 647-867-3711 or visit his website at https://seancooperwriter.com More about Sean Cooper:Sean is a fee-only money coach, specializing in budgeting, debt management and pensions. He is independent and unbiased — he's not going to try to sell you investments. He provides simple, yet practical advice on saving money without sacrificing the things you love.

Charging a case fee might not look like the easiest option while approaching new clients, but Sachin will breakdown the reasons why is the best choice for them, your practice and the efficiency of the functional medicine service you are delivering. Listen and learn how with this decision, you can reach out to more committed clients, have better predictability, transparency and achieve greater cash flow.   Key takeaways: [2:24] Pros of having a case fee. [8:35] Prepayment means precommitment. [11:35] Pay-as-you-go model. [13:33] Better predictability. [14:38] People have to be able to pay upfront. [18:19] Most practitioners don’t charge a case fee because they are concerned people will say no. [18:59] Transparency. [19:46] Be proud of your pricing. [21:04] Be clear about who your avatar is. [21:26] Give people the reasons why you are charging a case fee.   Mentioned in this episode: Learn more about Sachin Patel Perfect Practice: How to Build a Successful Functional Medical Business, Attract Your Ideal Patients, Serve Your Community and Get Paid What You're Worth, by Sachin Patel The Motivation Molecule: The Biological Secrets To Eliminate Procrastination, Skyrocket Productivity, and Get Sh!t Done, by Sachin Patel Become Living Proof, Sachin Patel Speak with Sachin

PLEASE LIKE SHARE AND SUBSCRIBE, AND FOLLOW ME ON SPREAKER https://www.spreaker.com/user/8642765 OFF SUNDAYS, NO EXCEPTIONS Please be advised once payment is made for a reading and if you don't provide contact information even after an email is sent out OR if you don't keep your appointment and notify me in advance at least 48 hours prior, I will not issue a refund. NO EXCEPTIONS. My time is valuable and if the appointment won't be kept, its taking away from someone else who could have booked in that time slot. Let's be fair guys. BLACK CAT TAROT, AND YA GIRL LILITH IN ARIES NEEDS A COMPUTER!! HELP ME GET A DECENT ONE BY SUPPORTING MY GOFUNDME AT THIS LINK: https://www.gofundme.com/5s9kkrc THANKS FOR YOUR SUPPORT!! JOIN THE REBELLION ON FACEBOOK!! https://www.facebook.com/BLACK-CAT-TAROT-LLC-1439376912840919/?ti=as CLICK THE GROUPS TAB TO INTERACT WITH ME!! **Prepayment guarantees your spot upon scheduling approval** To book online with me to dig into your personal situation, my scheduling page is here: http://blackcattarot4u.appointy.com Secure your spot or to donate to my work click here: https://www.paypal.me/blackcattarot Natal charts for free: http://www.chaosastrology.net/freeastrologyreports.cfm Disclaimer: The advice provided is contingent on the energies at that current time, and should not replace medical psychological or legal counseling. BCT TWIN FLAME REBELLION assumes no responsibility in the adherence to said advice. Hugs, B --- Send in a voice message: https://anchor.fm/wokealliance/message

This week we have an update to the idea of prepaying 2018 taxes in 2017, which we had discussed in a flash e-mail last week.

#8 - Prepayment & Extension Risk by Personalized Licensing Go

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Prepayment Penalties For Loans; Staging Houses; Bay Area Real Estate Market 8.20.16 by The Best of InvestingSee omnystudio.com/listener for privacy information.

01:40 - Prepayment, Deposits, Trust, and Risk 14:55 - Pricing a SaaS (Software as a Service) Tier Pricing Grandfather Clauses Beta Test Features Unlocking Features 27:02 - Scope 30:07 - Tier Pricing (Cont’d) The Win Without Pitching Manifesto by Blair Enns 38:49 - What’s a marketing/lead generation channel that’s been successful for you that you hadn’t expected to be successful for your consulting business? Podcasting Speaking Engagements 45:03 - The Get Clients Now Approach The Freelancers' Show Episode #20: Get Clients Now! with C.J. Hayden 46:47 - If you could give yourself two or three bits of advice when you first started out, what would they be? Specialize Book Yourself Solid by Michael Port Charge More Don’t Be Afraid to Make Mistakes 51:03 - Mastermind Groups Picks Pay Your Love First (Eric) The Consulting Pipeline Podcast (Eric) Drip Sherpa (Jonathan) Double Your Freelancing Conference (Jonathan) CodeNewbie Podcast (Chuck) This Is Your Life Podcast (Chuck)

01:40 - Prepayment, Deposits, Trust, and Risk 14:55 - Pricing a SaaS (Software as a Service) Tier Pricing Grandfather Clauses Beta Test Features Unlocking Features 27:02 - Scope 30:07 - Tier Pricing (Cont’d) The Win Without Pitching Manifesto by Blair Enns 38:49 - What’s a marketing/lead generation channel that’s been successful for you that you hadn’t expected to be successful for your consulting business? Podcasting Speaking Engagements 45:03 - The Get Clients Now Approach The Freelancers' Show Episode #20: Get Clients Now! with C.J. Hayden 46:47 - If you could give yourself two or three bits of advice when you first started out, what would they be? Specialize Book Yourself Solid by Michael Port Charge More Don’t Be Afraid to Make Mistakes 51:03 - Mastermind Groups Picks Pay Your Love First (Eric) The Consulting Pipeline Podcast (Eric) Drip Sherpa (Jonathan) Double Your Freelancing Conference (Jonathan) CodeNewbie Podcast (Chuck) This Is Your Life Podcast (Chuck)

This lecture is about optimal exercise strategies for callable bonds, which are bonds bundled with an option that allows the borrower to pay back the loan early, if she chooses. Using backward induction, we calculate the borrower's optimal strategy and the value of the option. As with the simple examples in the previous lecture, the option value turns out to be very large. The most important callable bond is the fixed rate amortizing mortgage; calling a mortgage means prepaying your remaining balance. We examine how high bankers must set the mortgage rate in order to compensate for the prepayment option they give homeowners. Looking at data on mortgage rates we see that mortgage borrowers often fail to prepay optimally.

This lecture is about optimal exercise strategies for callable bonds, which are bonds bundled with an option that allows the borrower to pay back the loan early, if she chooses. Using backward induction, we calculate the borrower's optimal strategy and the value of the option. As with the simple examples in the previous lecture, the option value turns out to be very large. The most important callable bond is the fixed rate amortizing mortgage; calling a mortgage means prepaying your remaining balance. We examine how high bankers must set the mortgage rate in order to compensate for the prepayment option they give homeowners. Looking at data on mortgage rates we see that mortgage borrowers often fail to prepay optimally.