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first_imgHome / Daily Dose / Government Backstop Necessary for Sustainable Mortgage Market? Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago About Author: Dean Terrell The Housing and Insurance Subcommittee held a hearing Thursday titled “Sustainable Housing Finance: Private Sector Perspectives on Housing Finance Reform,” inviting several private sector leaders and policy researchers to provide their opinion on necessary changes for the mortgage and housing industry. During the meeting, the panel outlined recommendations to reform the Federal Housing Administration as well as Fannie Mae and Freddie Mac, what regulatory, legal, and statutory impediments can occur with private capital returning to the housing finance system, and what factors and metrics for Congress to consider when reforming the housing finance system, according to the memorandum.The panelists included David H. Stevens, President and CEO of MBA, Jerry Howard, the CEO of the National Association of Home Builders, Sarah Edelman, Director of Housing Policy for the Center for American Progress, Dan Goodwin, Director of Mortgage Policy at the Structured Finance Industry Group, Kevin Brown, Chair of the Conventional Financing and Policy Committee for the National Association of Realtors (NAR), and Robert Dewitt, Chairman of the National Multifamily Housing Council, speaking on behalf of the Council as well as the National Apartment Association.“I look forward to having a more vigorous conversation with all of you on these topics as we would move forward,” said U.S. House Rep Sean Duffy (R-WI) and Chairman on the Housing and Insurance Subcommittee. “I would just hope that there’s going to be agreement, one, on the government backstop, but also, that we want market principles at play,” he said. Duffy went on to say that market discipline helps make sure another housing crash doesn’t occur.U.S. Rep. Dennis Ross (R-FL) asked the panel if it was necessary to have a government backstop in order to sustain a 30-year mortgage, with Brown replying “yes”, mirroring the whole panel’s response. He then asked the panel about a particular type of backstop, that is “private shareholders with a rate regulation-type environment that’s used in utilities” and if that would be a viable direction to take.“What we’re calling for is a mortgage-market liquidity fund, and that’s the rainy day fund.” said Brown. According to Brown, the fund for the GSEs would store profits in preparation for catastrophic losses after the system went through private capital, becoming a last resort to protect taxpayers. In response to Ross’s question on how the backstop should be restructured in terms of the homeowner’s, lender’s, and government’s level and reach of participation, Edelman responded “We do want a situation where the government is just the backstop and the market of last resort.” When asked by U.S. Rep. Brad Sherman (D-CA) on whether Congress should increase the amount of GSEs to more than two, Brown responded “Having two, we think is a perfect balance, we think that that has led to competition and innovation, so that has worked out well so far with the GSEs. Having multiple guarantors, we think would be just a race to the bottom in terms of pricing and then we would have liquidity problems in the market.” The topic of the mortgage-interest deduction cap was also a consistently discussed topic during the hearing, with a few representatives concerned of it being reduced and possibly removed.  U.S. Representative Michael Capuano (D-MA)  asked the panel on whether not the reduction of the cap would help increase homeownership or business. “We don’t think so sir, we are very concerned about the tax bill on housing. While we are in favor of the doubling of the standard deduction, we think there are revenue-neutral ways that the tax bill could solve the problem it creates with housing” replied Howard.U.S. Representative Al Green (D-TX) considered the cap lowering as a sign of it eventually being eliminated entirely and asked for Jerry Howard’s opinion on its reduction. “We’re angry. We think it’s very bad policy. We think it picks geographic winners and losers. We think it’s going to lower house values and it could lead to a housing recession.” Green then asked Brown who agreed with Howard. “Our economist came up with a number with a repeal of the SALT as well as a doubling of the standard deduction and we feel that it’s gonna be a 10 percent drop nationwide.”        The full press release can be viewed here. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, Government, Journal, News The Best Markets For Residential Property Investors 2 days ago Government Backstop Necessary for Sustainable Mortgage Market? Data Provider Black Knight to Acquire Top of Mind 2 days ago Sign up for DS News Daily Related Articles Demand Propels Home Prices Upward 2 days ago Share Save Previous: Why RE/MAX Delayed its Earnings Results Next: While Unemployment Drops, Homebuilders Face Labor Shortage Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Tagged with: Al Green Brad Sherman Chairman of the National Multifamily Housing Council Conventional Financing and Policy Committee Dan Goodwin David H. Stevens Dennis Ross Director of Housing Policy for the Center for American Progress Director of Mortgage Policy at the Structured Finance Industry Group Housing and Insurance Subcommittee Jerry Howard Kevin Brown Michael Capuano Mortgage Bankers Association National Apartment Association National Association of Home Builders National Association of Realtors Robert Dewitt Sarah Edelman Sean Duffy Al Green Brad Sherman Chairman of the National Multifamily Housing Council Conventional Financing and Policy Committee Dan Goodwin David H. Stevens Dennis Ross Director of Housing Policy for the Center for American Progress Director of Mortgage Policy at the Structured Finance Industry Group Housing and Insurance Subcommittee Jerry Howard Kevin Brown Michael Capuano Mortgage Bankers Association National Apartment Association National Association of Home Builders National Association of Realtors Robert Dewitt Sarah Edelman Sean Duffy 2017-11-02 Dean Terrell Governmental Measures Target Expanded Access to Affordable Housing 2 days ago November 2, 2017 1,926 Views  Print This Post Servicers Navigate the Post-Pandemic World 2 days ago Subscribelast_img read more


first_imgThe Croatian Tourist Board as a national tourist organization, in accordance with the Strategic Marketing Plan of Croatian Tourism for the period 2014-2020, and other strategic documents, with its promotional activities wants to raise awareness of Croatia as an attractive tourist destination throughout the year, and thus increase demand for Croatian tourist products, increase in tourist traffic and general consumption. Accordingly, the CNTB plans to establish cooperation with partners from the tourism industry, and actively promote the Croatian tourist offer in order to attract more guests on the principle of achieving general benefits for all holders of the destination offer, the invitation states. They are possible partners travel organizers (tour operators and carriers) with all forms of organized programs for Croatia (in air, bus and ship transport) that introduce / strengthen their programs or expand the period of operations in the pre-season and post-season with a tendency to further growth in the next 3 years.Cooperation with the selected partner aims to raise awareness of the Croatia brand in the selected strategic market by targeting potential guests through joint campaigns related to the partner program for Croatia, and using promotional channels, tools and experience of partners in the segment of organized tourism programs.center_img The maximum possible share of the CNTB in the joint campaign in the lease can be up to 50% of the costs. As they point out from the CNTB, priority will be given to applications from partners who want to implement and participate in joint campaigns with a minimum of 50.000 Euros net own funds.More about the terms of the call for expressions of interest for the implementation of strategic promotional campaigns in emitting markets in 2019.Attachment: INVITATION to express interest in the implementation of strategic promotional campaigns in emitting markets in 2019 Be sure to pay attention to the call for joint advertising in 2019 published today.RELATED NEWS:PUBLIC INVITATION FOR JOINT ADVERTISING IN PUBLIC AND PRIVATE SECTOR PROMOTIONAL CAMPAIGNS IN 2019.last_img read more


first_img Dodgers hit seven home runs, sweep Colorado Rockies Cody Bellinger homer gives Dodgers their first walkoff win of season Newsroom GuidelinesNews TipsContact UsReport an Error How Dodgers pitcher Ross Stripling topped the baseball podcast empire “Obviously their backs are against the wall, and they feel it’s the best chance to give them a chance to win tomorrow,” Roberts said. “He’s had success against us.”Roberts has platooned aggressively against right- and left-handed starting pitchers over the past two months. But he said he might go all in on a right-handed lineup against Newcomb because “I don’t know what to expect of his length tomorrow.” The Braves could switch to a right-hander like Gausman or Julio Teheran early.The Dodgers will start rookie right-hander Walker Buehler on Sunday. Buehler has a 1.55 ERA over his past 12 starts, holding batters to a .158 average in that time.Related Articles ATLANTA — Somewhere over Nevada or maybe Utah, the Atlanta Braves decided to go left.Before Game 2 in Los Angeles on Friday, Braves manager Brian Snitker said the team was leaning toward starting right-hander Kevin Gausman against the Dodgers in Game 3 of their National League Division Series on Sunday.On the flight back to Atlanta, however, Snitker told left-hander Sean Newcomb that he might get the start. GM Alex Anthopoulous and staff, plus Snitker and the coaching staff, discussed the starting pitching choice Saturday afternoon and landed on Newcomb, not Gausman.“We had discussed other options after the game last night, and we all got together this afternoon,” Snitker said. “You know, the situation is kind of dire right now. We need to win. And not that Gausman doesn’t give us that opportunity. We like how Newcomb matches up with them and the success that he’s had against the Dodgers this year. Dodgers’ Max Muncy trying to work his way out of slow start Fire danger is on Dave Roberts’ mind as Dodgers head to San Francisco “So we’re going to let Newcomb get the thing off the ground. … I told him that we need you to get this thing off the ground. You don’t need to take a no-hitter into the ninth inning with a strike left or whatever. We just want to get this thing flying and be all hands on deck.”Newcomb fell one out short of pitching a no-hitter when he faced the Dodgers in Atlanta in July. Snitker left him in to throw 134 pitches that day and Newcomb did not pitch well in the final two months of the regular season, posting a 5.68 ERA in his final 10 appearances (nine starts). He did finish the season with a 12-9 record and 3.90 ERA and pitched two scoreless innings against the Dodgers in Game 1 of this NLDS.“They got really better against lefties,” Snitker said. “When they got (Manny) Machado and then (Justin) Turner comes back in the lineup.“I think (the decision was based) more so Newcomb’s had some success against them. The start here obviously, the two innings in relief were really good, were strong. It’s kind of like he’s thrown better recently than he had all September. … The way he’s throwing right now is kind of how we remembered in stretches all year.”Dodgers manager Dave Roberts said he was “surprised” by the Braves’ decision Saturday.last_img read more