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Prepayments, Refinance Pool, Affordability all Increase as Rates Decline

As the current issue of Black Knight's Mortgage Monitor was going to "press" mortgage rates dropped under 4.0 percent for the first time in more than a year.  Black Knight spokesperson Mitch Cohen says the decline to 3.99 percent sent what the company considered the refinanceable population of homeowners up by 2 million in just a month and a total of 3 million in two months.  Black Knight considers refinanceable homeowners as those who can both qualify for refinancing and would save at least 75 basis points by doing so.  The company now counts 5.9 million potential refinancing candidates in that pool, the largest group in nearly three years. The figure below shows the distribution of potential refinance candidates across origination vintages as of mid-May, prior to the most recent pullback in rates.

 

Source: http://www.mortgagenewsdaily.com/06032019_black_knight_mortgage_monitor.asp

6/20/2019 Kemmerer Gazette legal notices

06061

 

NOTICE OF APPLICATION FOR ISSUANCE OR RENEWAL OF RETAIL, RESTAURANT, BAR & GRILL AND LIMITED LIQUOR LICENSES

Notice is hereby given that the following have filed applications for renewal of retail liquor licenses, limited liquor licenses, restaurant liquor licenses, and bar and grill liquor licenses in the office of the City Clerk, City of Kemmerer, for the following described places, and protests, if any there be, against the renewal of the licenses will be heard at the hour of 7 p.m. on Monday, June 24, 2019, in the City Council Chambers, City Hall, Kemmerer, Wyoming.

Renewal - Retail Liquor License #1 - Michael R. Julian dba Stock Exchange Club, 712 J.C. Penney Drive, Kemmerer, Wyoming

Renewal - Retail Liquor License #2 – Sage Lanes Grill, dba Sage Lanes Grill, 918 Sage Avenue, Kemmerer, Wyoming

Renewal - Retail Liquor License #3 - Maverik, Inc. dba Maverik #235, 521 Coral, Kemmerer, Wyoming

Renewal - Retail Liquor License #4 - Grumpies, LLC dba Grumpies, 815 South Main Street, Kemmerer, Wyoming

Aravinda makes $3450 a month before taxes, and has a monthly car?

payment of $350.
How much will a lender estimate he can spend on a mortgage payment?


Answer: a. $868
b. $966
c. $1207
d.


That is a very long problem. This concept can be covered at the following math site:
http://www.math.com/tables/index.

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