Colleges and Tertiary institutions around the world accept ZIMSEC certificates and qualifications when considering student applications for further education. Certificates are accepted in South Africa, Botswana and all SADC countries, Namibia, Kenya, Malaysia, Cyprus, Canada, Australia, The United Kingdom, Germany, Sweden, Dubai, China. ZIMSEC Certificates: • ZIMSEC certificates are recognised and accepted in Africa and abroad.

Folks heading to the MBA’s Secondary conference should know that there are 329 street-level newsstands in New York City. (The peak was 1,500 in the 1950s.) By law, the maximum price for anything at a newsstand is $10, meaning that newspapers are a significant part of that business.

Finance & news about it make the world go ‘round, and thanks to Steve A. For passing along where Pope Francis calls for intensified regulation of the 'sophisticated technologies' of financial markets. Private Mortgage Insurance News “The Community Home Lenders Association (CHLA) writes to ask FHFA to (PMIs) with respect to use of volume discounts and other proxies for this in the offering of mortgage insurance for Fannie Mae and Freddie Mac loans.” “Rob, thanks for the use of quotes around MI ‘granularity’ in your recent commentary. It smells like a ‘redline.’ As I recall, regulators allowed UG to go ‘granular’ - down to the MSA only - after being taken over after the mortgage meltdown, and there were visions of lined maps dancing in heads. And, back then, UG reps said they could ‘drill down’ to census tracts.

Thanks for listening – I couldn’t keep my yap shut on ‘granularity’.” How have those crafty MI companies been doing in real life? Can they afford to sponsor all those nice events at conferences around the nation? Private mortgage insurers reported substantial declines in new insurance written during the first quarter of 2018, losing market share to both the FHA and VA. But Inside Mortgage Finance’s analysis calculates that private Mis “passed a historic milestone” as the total amount of the industry’s insurance in force hit $1.011 trillion, a 1.7 percent increase from the end of 2017. That figure includes an estimated $30.52 billion in runoff at three defunct MIs.

“Private MIs generated $58.37 billion in traditional flow business during the first quarter, a 16.5 percent drop from the fourth quarter,” notes IMF. “The slump was largely due to the seasonal decline in home-purchase lending and the overall 21.1 percent decline in first-lien originations. The six active MIs reported a $9.73 billion decline in purchase-mortgage business from the fourth quarter while new insurance written on refinance loans was down $1.72 billion.” KBW’s Bose George writes, “We calculate that 1Q18-ending insurance-in force (IIF) grew by about +1.7% QOQ and +10.8% YOY for private mortgage insurers (PMIs) versus +0.7% QOQ and +3.9% YOY at the FHA. The figures for PMIs include both the six public MIs, as well as our estimate of remaining IIF from the legacy companies in run-off (Triad, Old Republic, and PMI Corp.), which we calculate using GSE disclosures. Mortgage debt outstanding grew at a pace of 3% annualized (through 4Q17). This suggests that the growth in private mortgage insurance (and FHA IIF) remains well above the pace of growth in mortgage debt outstanding.

We expect this trend to persist for the foreseeable future. The earnings reports from the private MIs show that New Insurance Written (NIW) is +23% versus 2017 (purchase +20%, refinance -19%), so, per Compass Point Research and Trading, LLC, “MI is gaining market share from the FHA and is experiencing mix benefits from a higher percentage of borrowers being first-time homebuyers. The MI industry continues to face pricing concerns, but the underlying fundamentals are the best they have been in years.” National MI reported solid earnings driven by higher net premiums earned and higher share count (-$0.03) from a previously announced share issuance. Both NIW of $6.5bn and ending IIF of $56.6bn came in above some estimates, and NMI generated a 16.1% ROE. KBW wrote, “Management noted that it is evaluating different options in terms of pricing and is likely to make an announcement shortly.

As a reminder, on expectations of price cuts from the peers. Management also stated that the company believes it has not lost a single loan to the IMAGIN program and believes that that program has had limited traction with lenders so far.” Radian reported decent earnings that included the add-back of $18.9m of investment losses and a lower loss provision).

NIW of $11.7b exceeded some estimates. Radian’s earnings call indicated that pressure on premium margins should stabilize, excluding the impact of any price cuts. Essent reported net income for the quarter ended March 31, 2018 of $111.1 million or $1.13 per diluted share, compared to $66.6 million or $0.72 per diluted share for the quarter ended March 31, 2017. As of March 31, 2018, Essent had insurance in force of $115.3 billion and consolidated stockholders’ equity of $2.0 billion. Training and Webinars Register for Plaza’s free webinar on May 21st.

There is Fannie Mae’s May 23rd HomeReady Mortgage webinar. Learn how to help your low- to moderate-income borrowers become homeowners with as little as 3% down. today and visit the to find more resources. LinkedIn can be an extremely powerful tool for you. That’s why on Thursday, May 24th from 10-11 AM PST/1-2 PM EST, is starting a series on using this tool. It’s a free, fun, and informative 3-part webinar series entitled “LinkedIn”. You’ll learn how to optimize your profile, be engaging, and prospect quickly!. Register for the Mortgage Quality & Compliance Committee (MQAC) upcoming webinar on May 24th. MERSCORP Holdings is holding an on Wednesday, June 20th, as an add-on to its annual MERS® User Conference.

Learn about eNotes and the benefits of implementing an electronic mortgage process. ACUMA is holding a workshop for mortgage-lending credit unions in, and another. The Indiana Mortgage Bankers is having its in early June in Indianapolis. Capital Markets Investors mulled the implications of the 10-year Treasury rising to 3.11%, its highest level since 2011. News that China President Donald Trump a $200 billion reduction in the bilateral trade gap with the U.S. Was food for thought as well.

Despite my personal feelings that this may be an overreaction, the outcome of these talks is seen by many as making or breaking the global economy. May's employment report showed notable declines in unemployment claims, as all readings are at roughly 50-year lows now. And greater strength may be in store for the factory sector following today's Philly Fed report which, led by new orders and enormous traction in selling prices, is one of the strongest we have seen in several decades. Today’s economic news calendar is nearly non-existent.

(Next week is light as well, save for the release of the FOMC minutes on Wednesday.) Friday starts with the 10-year yielding 3.10% and agency MBS prices better.125.250 versus last night’s close. Lender Products, Business Opportunities, and Developments Bay Equity Home Loans announces its first E-Close funded loan transaction through its BE EXPRESS CLOSING. Bay has had E-Close in a pilot program and is ready to roll the program methodically throughout its footprint of offices nationwide. The new E-Close platform brings innovation and efficiency to the closing of purchase transactions with our customers, Realtors and referral partners. Bay differentiates itself as a leader in mortgage technology including its close partnership with Microsoft and its deployment nationwide of the Microsoft Surface to branches and originators. In addition, Bay’s loan advisors are bringing efficiencies and a great customer experience through the company’s BE SECURE Loan Portal. If you would like to learn more about an innovative mortgage platform that brings a family culture to its valued team members reach out to Sean Wilson for more information.

In correspondent news, AmeriHome's Correspondent Scratch and Dent Program continues to help originators sell loans with origination defects. The AmeriHome program is designed to save clients time and money shopping for buyers and negotiating new contracts by having AmeriHome handle these transactions.

A sampling of the issues that can be priced include DTI/Income/loan amounts, investor overlays, TRID/compliance, incomplete documentation, uninsurable loans, and non-agency jumbo fallout. AmeriHome is an industry-leader in service and operational support and is committed to providing the same accurate and timely communication on your S&D business. If interested, please contact your AmeriHome Correspondent Sales Representative and add our direct email snd@amerihome.com to your email distributions.

Whole Loan Capital is identifying warehouse lending consolidation opportunities for a national bank. The goal is to identify any banks that are considering exiting the warehouse lending business and enabling the transition of that business to the national bank, thereby reducing or eliminating any discontinued operations charges for the exiting bank. PHH Mortgage, the nation’s 5 th largest subservicer, was recently awarded with the Fannie Mae STAR Performer for Servicing and is a proud sponsor of the 2018 MBA Secondary Market Conference. If you plan on being in NYC from May 20-23, make time to meet with members from our Subservicing Team.

Learn how PHH can on-board your portfolio in under 90 days and reduce your fixed costs through their concierge-level subservicing and portfolio retention services. Contact VP Chris Sabbe to schedule a meeting time. The Hub launches 2.0, adding project management, chat, shared calendars, a document designer, document distribution and signature workflows, upgrades to the look and feel, easier navigation, global search, and advances to workflow and reporting.

This release introduces document authoring and signature workflows to assist corporate governance and onboarding in ensuring policies and procedures are read. The Hub is a mortgage-specific intranet tool that ensures your teams stay informed, have access to the most current job aids and other corporate resources, and follow consistent simple-to-use workflows. The Hub is offering a free 15-day trial and they’ll waive your setup fee if you sign up on 2.0 before June 1st. Provide a decreased payment, with increased options by utilizing Lakeview’s No MI program. An alternative to LPMI, Lakeview’s program provides borrowers better pricing with this innovative program.

Eligible on standard conventional products, the No MI program is available up to 97% LTV, 620+ FICO, up to 50% DTI. Learn how to provide high LTV borrowers the lowest payment possible. Contact Lakeview Wholesale or Lakeview Correspondent today. In the mortgage industry, some of the biggest drivers of working capital often fall outside of our control, which is why it makes sense to build a relationship with a bank that offers credit products designed to help increase liquidity.

Texas Capital Bank, N.A. Specializes in serving mortgage lenders and servicers by offering unique credit solutions such as MSR Lines of Credit, Working Capital Lines of Credit, HECM Tail Credit Facilities and Servicing Advance Facilities.

Contact its Mortgage Specialty Lending team to learn how it can help your business succeed. Here’s the latest from (National Credit-reporting System, Inc.) on recent Congressional developments for order/delivery of IRS Tax Transcripts ( ). Also, of note, the IRS had proposed (personally identifiable information) on tax transcripts this August. NCS is a long-time industry champion for the IRS to modernize the program. The company is joined by industry peers and trade groups in this latest advocacy effort. NCS Pres/CEO, wrote, “We continue to push IT & advocacy funding into NCS core competencies like TRV Services or 4506-T processing & VOE. We’re pushing white papers to the IRS, working the Hill, etc.

We want your readers to understand our commitment of injecting beneficial modernization, such as machine learning (AI) into manual verifications. We’re via NCS’ and at next week. See everyone there!”, along with the brokers who put their boots to the ground every day to make the American Dream of Homeownership a reality for borrowers across the country. For more information on how PRMG serves the broker community, please contact Kevin Peranio, Chief Lending Officer. Employment In retail job news, adds to its awards and product line-up.

In 2018, the company was named the #1 BEST Place to Work in Financial Services and Insurance nationally by Fortune and Great Place to Work® and added innovative products designed to help originators close more loans. In addition to their suite of core products, the company offers Evergreen +Plus down payment protection and is one of the few independent mortgage bankers offering one-time close construction loans for stick-built homes as well as manufactured homes. Evergreen is the first lender in Washington to offer the USDA one-time close construction loan and among the first to originate it in other west coast states. Evergreen will continue this growth by hiring high-touch loan officers seeking a great place to work. Candidates can learn about the Evergreen culture on their page and job openings on the.

Media Reviews Golf World. The experience Erik and I had with the r5 Dual Type N drivers on the course is a good example of why fitting is so important. Notify me of new posts by email. Mine is shafted with a Rombax, and it is the longest driver that I have ever played.

Sign in anonymously Don’t add me to the active users list. Used RH TaylorMade r5 dual Uploader: Date Added: 18 August 2009 File Size: 48.5 Mb Operating Systems: Windows NT/2000/XP/2003/2003/7/8/10 MacOS 10/X Downloads: 19421 Price: Free.Free Regsitration Required Having used TaylorMade’s all my life I thought this was another high handicapper driver, but I think everyone can use the new R5 Dual driver. If I got different weights wha would I get and where would they go — toe-heel? Media Reviews Golf World. TaylorMade R5 Dual N This driver has endured the test of time. The thing I liked best about the r5 Dual Type N was the sound and feel at impact.

On or before Wed. Shipping cost cannot be calculated. Add to watch list.

Uninsurable Driver For Mac

TaylorMade R5 Driver eBay Posted 30 August taylormade r5 draw FUCK I cant hit bought i bought sumo and it is totally different buy it and you will get aprox 20 or 30 yards more. If you want to move them, spring for the Tour Preferred. You are covered by taylormadee eBay Money Back Guarantee if you receive an item that is not as described in the listing. I say make the move – gaylormade fantastic driver, good length, good looks and great value – equal to anything taylormade r5 draw you pay big bucks for today. Interest will be charged to your account from the purchase taylormade r5 draw if the balance is not paid in full within 6 months.

Any international shipping and import charges are paid in part to Pitney Bowes Inc. TaylorMade r5 Dual Driver Review – Golfalot Even when I had a lousy swing, it saved me. Posted 28 June – Used it now taylormae 8 years and it’s still mint. Everyone knows about their tour performance, and the success of this club. This will control your plane.

For additional information, see the Global Shipping Program t5 and conditions – opens in a new window or tab This amount includes taylormade r5 draw customs duties, taxes, brokerage and other fees. Oh, it is a very forgiving driver, it is almost wrong that you can miss by so much and still bomb it. However – you must be careful about closing the clubface on the downswing – a taylormade r5 draw clubface with the R5-D will result in a straight left shot. This shaft is made by Fujikura, and seems to eraw well for me so far. TaylorMade r5 dual Subject to credit approval. If you prefer your driver heads to be large then the R5 Dual driver is taylormade r5 draw you and it comes in two set ups to ensure it exactly matches your game. Ad taylormade r5 draw 25 days ago.

Several functions may not work. My ball speed was around and I was hitting the ball yards and staying within an acceptable range off center line.

Compared with the rest drae the clubhead, the face seemed a little unfinished. Posted 24 August – Posted taylodmade January – Contact the seller – taylormade r5 draw in a new window or tab and request a shipping method to your location. I usually fade alittle with my r, but hit this fairly straight on the range. It is very easy to hit yards.