Željezničar and Široki Share Points

first_imgDuring the last match of the second round of the BHT Premier League of B&H, Željezničar and Široki shared points at the stadium “Grbavica”.The match finished with the result 1:1 although both teams had many chances to win.The team of Široki Brijeg scored the first goal due to Wagner in the 15th minute.Željezničar equalled in the 27th minute with the goal of Kosorić who, after the corner, saw a good chance in the penalty area of Široki.By the end of the match both teams had good chances to score and the best shot was missed by Zakarić, player of Široki, who missed a great chance in the 80 minute.In the last minute of the match Željezničar’s players did not realised a good chance when Široki made a mistake in the defense.(Source: Fena)last_img

Fun 80s-themed aerobics class to be held for Michael McGrath fund

first_imgStep back into the decade of leotards and leg warmers at a fun fundraising class this Monday in aid of the Michael McGrath fund!Aoife McGill Personal Training in Letterkenny is hosting an 80s-themed fancy dress aerobics at her studio in Unit 2, Hegartys Ford Garage, Mountain Top.The party starts at 7pm on Monday 18th December and there is an open invitation to the public to join in – you don’t have to be a member. There is no entry cost as all donations will be made to the Future for Michael fund. Aoife describes the class as the perfect opportunity to pull out all your colourful attire and come along to enjoy some of the greatest hits whilst raising money to support A Future For Michael.Michael McGrath is a 40-year-old teacher from Donegal who is battling bowel cancer. A heartwarming community effort has begun to raise funds for his specialised cancer treatment. He is currently in Vienna undergoing the treatment and needs €150,000 to cover the costs. To support his campaign visit: www.gofundme.com/a-future-for-michaelThis fitness class at Aoife McGill’s studio is one of the many events planned to bring the community together to support Michael. Bring your friends and family along to join in on this one time only 80s themed aerobics class! It promises to be a fun evening, with refreshments provided.For contact details and updates visit www.facebook.com/aoifemcgillpersonaltraining Fun 80s-themed aerobics class to be held for Michael McGrath fund was last modified: December 17th, 2017 by Rachel McLaughlinShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:80s discolast_img read more

Mortgage Loan Application Defects Driven Lower by AbilitytoPay Rules

first_img November 24, 2015 468 Views in Daily Dose, Data, Headlines, Market Studies, News, Origination Ability-to-Pay Application Defects First American Financial Corporation Mortgage Loan 2015-11-24 Staff Writer Mortgage loan application defects are becoming less prevalent in the housing market as the Ability-to-Pay rules are reducing fraud risk related to income, while misrepresented income is more likely to be caught on a loan application.First American Financial Corp., a global provider of title insurance, settlement services, and risk solutions for real estate transactions released their Loan Application Defect Index Tuesday, which declined by 2.5 percent in October 2015 compared to September 2015.The index, which estimates the frequency of defects, fraudulence, and misrepresentation in the information submitted in mortgage loan applications is also down 10.2 percent year-over-year and down 22.3 percent the height of fraud risk in October 2013.“Fraudulent and misrepresentative loan applications are continuing to decline, as our risk index is trending toward the lowest point we have recorded in the last five years. The reduction in risk is occurring across property type, occupancy, loan purpose, and whether a conforming conventional or FHA, VA, USDA loan,” said Mark Fleming, Chief Economist at First American. “While risk is declining overall, there are still categories of loans that are riskier. In particular, self-reported investor, ARM, purchase, and multi-unit transactions have heightened defect, fraud, and misrepresentation risk.”October will mark the third month of decline in mortgage loan application defects and risk, in which the index has declined over 6 percent, First American stated. However, the index remains 1.3 percent above the low point set in March 2015.Refinance defects decreased 2.8 percent month-over-month, and down 10.4 percent year-over-year, the data showed. The Defect Index for purchase transactions fell 2.3 percent month-over-month, and is down 10.5 percent year-over-year.First American’s Top Five States With the Highest Month-Over-Month INCREASE or SMALLEST Decrease in Defect Frequency are:North Dakota (+3.3 percent)Alaska (+0.0 percent)Iowa (+0.0 percent)Missouri (+0.0 percent)Illinois (-1.3 percent)First American’s Top Five States with the Highest Month-Over-Month DECREASE in Defect Frequency are:Michigan (-6.1 percent)Vermont (-5.2 percent)California (-4.9 percent)Louisiana (-4.9 percent)Connecticut (-4.8 percent)First American also reviewed two additional risk categories in October: Employment and Income Defect, Fraud, and Misrepresentation, finding that employment-related defects and potential misrepresentation has been stable, but recently increased, while income misrepresentation has trended downward since the end of 2012.“One of the clearest benefits of more stringent underwriting standards related to the ability of a borrower to sustainably pay their mortgage can clearly be seen in the improvement in the income-specific defect risk index. Income-related defect, misrepresentation and fraud risk is down 49 percent from its peak in December 2012,” Fleming explained. “Given the heightened scrutiny of a borrower’s ability to pay, intentionally misrepresenting one’s income for fraudulent gain is more likely to get caught.”Click here to view the full report.center_img Mortgage Loan Application Defects Driven Lower by Ability-to-Pay Rules Sharelast_img read more