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FHFA Extends Foreclosure and Eviction Moratorium

first_img“FHFA will continue to monitor the coronavirus situation and update policies as needed,” the agency said in a release. “To understand the protections and assistance the government is offering people having trouble paying their mortgage, please visit the joint Department of Housing and Urban Development, FHFA, and the Consumer Financial Protection Bureau website at cfpb.gov/housing​.​” The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago Share Save in Daily Dose, Featured, Government, Market Studies, News Seth Welborn is a Reporter for DS News and MReport. A graduate of Harding University, he has covered numerous topics across the real estate and default servicing industries. Additionally, he has written B2B marketing copy for Dallas-based companies such as AT&T. An East Texas Native, he also works part-time as a photographer. Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Tagged with: Foreclosure moratorium Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Previous: DS5: Optimism in Mortgage Servicing Next: Calm Before the Storm: Q1 Delinquency Less than 4% About Author: Seth Welborn FHFA Extends Foreclosure and Eviction Moratorium Foreclosure moratorium 2020-06-17 Seth Welborn Subscribe The Best Markets For Residential Property Investors 2 days ago  Print This Post Today, to help borrowers and renters who are at risk of losing their home due to the coronavirus national emergency, the Federal Housing Finance Agency (FHFA) announced that Fannie Mae and Freddie Mac (the Enterprises) will extend their single-family moratorium on foreclosures and evictions until at least August 31, 2020. The foreclosure moratorium applies to Enterprise-backed, single-family mortgages only. The current moratorium was set to expire on June 30.”To protect borrowers and renters during the pandemic we are extending the Enterprises’ foreclosure and eviction moratorium. During this national health emergency no one should worry about losing their home,” said Director Mark Calabria.The Agency announced earlier this month that it is extending several loan origination flexibilities currently offered by Fannie Mae and Freddie Mac (the Enterprises) designed to help borrowers during the COVID-19 national emergency, including the authority to purchase mortgages in forbearance, until at least July 31. Other flexibilities that have been extended include:Alternative appraisals on purchase and rate term refinance loansAlternative methods for verifying employment before loan closingExpanding the use of power of attorney and remote online notarizations to assist with loan closingsThe FHFA previously announced that Fannie Mae and Freddie Mac would be able to buy loans in forbearance, with note dates on or before June 30, as long as they are delivered by August 31 and have missed just one mortgage payment. Additionally, the agency will be re-proposing the updated minimum financial eligibility requirements for the Enterprises.“FHFA has determined that it is prudent to work with the Enterprises to reassess and re-propose these requirements, including incorporating lessons learned from the evolving COVID-19 national emergency,” the Agency said in a release. Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Home / Daily Dose / FHFA Extends Foreclosure and Eviction Moratorium June 17, 2020 3,811 Views Sign up for DS News Daily Related Articles Data Provider Black Knight to Acquire Top of Mind 2 days agolast_img read more

49ers’ Jimmy Garoppolo has plenty of time, talent to correct a lazy Super Bowl narrative

first_imgMIAMI — The 49ers’ 31-20 loss to Patrick Mahomes and the Chiefs in Super Bowl 54 was a convenient end to the Jimmy Garoppolo “isn’t a championship-caliber quarterback” storyline that pundits were spinning in the week leading up to the game.Fortunately, given he’s coming off a strong 2019 season and still carries a 23-6 record as a relatively new NFL starting quarterback at age 28, Garoppolo has got time on his side to rewrite that narrative — especially attached to offensive-minded coach Kyle Shanahan, who has produced a MVP quarterback. Garoppolo (20 of 31, 219 yards, 7.1 yards per attempt, TD, 2 INTs, 69.2 passer rating) ended up being outplayed by Mahomes, the game’s MVP (26 of 42, 286 yards, 6.8 yards per attempt 2 TDs, 2 INT, 78.1 passer rating). But listening to most of the postgame takes, you might characterize his night as remedial compared Mahomes’ transcendence, despite the close statistical nature of their inconsistent performances.Although Shanahan wasn’t in position to heap praise on Garoppolo after the game because of the result, there was no hint that he felt QB play was responsible for the loss. In true offensive coach form, he already focused on making him better for the bigger moment.HAISLOP: Blame Kyle Shanahan for 49ers’ loss? It’s more complicated than that”There were some good things,” Shanahan said of Garoppolo’s play. “We’ll be able to find out more. I thought he played alright.”In a strong first half for San Francisco, in which it played Kansas City to a 10-all tie, Garoppolo did his best to change unreasonable doubters’ minds about him. Executing Shanahan’s big-play passing offense well by distributing the ball with confidence, Garoppolo was on par with better Super Bowl passers of the past (9 of 11, 89 yards, 8.1 yards per attempt TD, INT, 92.8 rating) in a balanced attack with his teammates.The 49ers, minus a Garoppolo kneel, had exactly 11 rushing attempts for another 89 yards.But when Shanahan decided to not use timeouts in the last possession of the half, the narrative flipped back to the coach not trusting his quarterback. That theory was blown out of the water when Garoppolo threw a non-Hail Mary deep ball to tight end George Kittle streaking 42 yards downfield. Had Kittle not been called for a ticky-tacky offensive pass interference penalty on the catch, we may be talking about Garoppolo in a whole different light.”I thought we should have got points, but they ended up calling that PI on Kittle,” Shanahan said. “I don’t get to see it very (well) from the sideline, but I was definitely surprised the way they were letting them play defense.”IYER: How Patrick Mahomes turned worst nightmare into Chiefs’ Super Bowl dreamThe receiver extends his arm and creates separation while the ball is in the air, therefore it is offensive pass interference. – AL#SBLIV pic.twitter.com/hxAvggDqhS— NFL Officiating (@NFLOfficiating) February 3, 2020In the second half, however, Garoppolo pressed as the Chiefs’ pass rush came alive. The 49ers continued to run effectively, with nine more rushing attempts for 50 yards. But Garoppolo completed only nine passes for 130 yards, dropping to 6.5 yards per attempt with another interception.The fourth quarter was especially rough, as the Chiefs came back and pulled away with 21 points, while the 49ers did nothing to either pad their lead or work the clock. Garoppolo was errant on several passes and the 49ers struggled to convert key third downs (3-of-8 total).’We just didn’t make some of the plays we normally make. It was a tough one out there,” Garoppolo said. “Those are the moments you dream of and everything. We got rolling on a right note and just couldn’t finish it off.”Man, if Jimmy can just flip it to Deebo here — wide open in the flat — it’s an even steeper climb for the Chiefspic.twitter.com/3tZLo8hJox— Eric Edholm (@Eric_Edholm) February 3, 2020The Chiefs’ defense did have a lot to do with thwarting the 49ers. Their strong secondary clamped down on the 49ers and the defensive line, led by Chris Jones, was more disruptive. The chunk runs didn’t come and they lost both their usual balance and explosiveness to avoid unmanageable third downs.Just like Mahomes needed the 49ers’ defense to have some significant breakdowns — and it had plenty from the secondary in the second half — Garoppolo succumbed to the Chiefs adjusting well to taking away the running and catching of wide receiver Deebo Samuel and other things that worked so well in the first half.MORE: 10 incredible stats from Chiefs’ comeback, 49ers’ collapseFocusing on Garoppolo’s disappointing intermediate destination takes away from his ongoing promising journey. Garoppolo was a top-10 NFL quarterback by every metric during his breakout 2019, despite those who like to call him a caretaker for a prolific rushing offense. His teammates and coaches love him and his intangibles say he also will rebound strong with his leadership.Garoppolo should have been the NFL Comeback of the Player of the Year over the Titans’ Ryan Tannehill for playing a strong full season coming off the torn ACL he suffered in Week 3 against the Chiefs in 2018. He helped the 49ers get to the Super Bowl in what was the equivalent of his second season as a starter, much like Mahomes. “It has been wild,” Garoppolo said. “It is tough, but it has been one hell of a year with these guys. Everything we’ve been through from the very start, it is an incredible story.”Garoppolo’s story is still a lot closer to the beginning than the end. He has room to get better and continue to develop with many fine years left, and now he has the experience of playing and losing in a Super Bowl to add to his competitive push to rise above adversity.Super Bowl 54 had a couple good chapters for him, despite the unhappy ending. Look for Garoppolo to get to work on a successful sequel, with a lot of effort put in toward tapping into the greatness that Mahomes is enjoying now.last_img read more