Pathway House / Jacobs-Yaniv Architects

first_img Projects Israel Pathway House / Jacobs-Yaniv Architects ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/234778/pathway-house-jacobs-yaniv-architects Clipboard Pathway House / Jacobs-Yaniv ArchitectsSave this projectSavePathway House / Jacobs-Yaniv Architects ArchDaily Photographs:  Uzi Porat Text description provided by the architects. Architectural planning and Interior design for a house of 250 Sqm. Plot size 750 Sqm. The house occupies a full rectangular shape on the majority of the site. Most of the house is planned on one floor – ground floor. A small basement includes a guest room and storage room. The internal plan is directed north-south for optimal day light and east –west for optimal natural ventilation.Save this picture!© Uzi PoratThe main architectural desire, limited by site conditions and required living space, was to test the relationship between the inside space and the surrounding outdoor space. We are always intrigued by the question of how to design a continuous living environment comprising of interior and exterior in an ideal Mediterranean climate where people can spend the majority of time, day and night, with open windows and doors and with natural ventilation and daylight in closed spaces.Save this picture!© Uzi PoratThe house is divided in two sections (hosting and sleeping) with a pathway in the middle, engaging plants and skylights.There are no columns or walls, but bare concrete ribs running from the central pathway towards the main terrace, conducting a subtle rhythm to light penetrating the house through the roof, nurturing both the plants and the people inside.Save this picture!© Uzi PoratThe pathway is a 3 m’ wide by 14 m’ long, with a long and tall wooden library. In order integrate and not overtake the garden, the terrace and the paths outside were lifted slightly from the ground letting plants grow in between. All building details and interior items were chosen very carefully.Save this picture!© Uzi PoratProject gallerySee allShow lessTucker Design Award 2012 / Gustafson Guthrie Nichol + Crosby Schlessinger SmallridgeArticlesAD Round Up: Health Architecture Part IXArticles Share Save this picture!© Uzi Porat+ 20 Share ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/234778/pathway-house-jacobs-yaniv-architects Clipboardcenter_img Houses “COPY” Area:  250 m² Photographs “COPY” Architects: Jacobs-Yaniv Architects Area Area of this architecture project CopyHouses•Tel Aviv, Israel CopyAbout this officeJacobs-Yaniv ArchitectsOfficeFollowProductsSteelConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesTel AvivHousesIsraelPublished on May 16, 2012Cite: “Pathway House / Jacobs-Yaniv Architects” 16 May 2012. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogShowershansgroheShower MixersVinyl Walls3MVinyl Finish – DI-NOC™ Abrasion ResistantPartitionsSkyfoldIntegrating Operable Walls in a SpaceLightsVibiaLamps – NorthCultural / PatrimonialIsland Exterior FabricatorsSeptember 11th Memorial Museum Envelope SystemSkylightsVELUX CommercialAtrium Longlight, DZNE GermanyHanging LampsLouis PoulsenLamp – PH ArtichokeTiles / Mosaic / GresiteHisbalitMosaic Tiles – TexturasAcousticMetawellAluminum Panels – Acoustic SailsMineral / Organic PaintsKEIMTiO2-free Mineral Paint – Soldalit®-ArteWall / Ceiling LightsA-LightWall Grazer Concealed LightsDoorsBuster and PunchDoor Hardware – Pull BarMore products »Read commentsSave世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my streamlast_img read more

House for Beth / Salmela Architect

first_imgArchitects: Salmela Architect Area Area of this architecture project House for Beth / Salmela ArchitectSave this projectSaveHouse for Beth / Salmela Architect CopyAbout this officeSalmela ArchitectOfficeFollowProductWood#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesInterior DesignResidential InteriorsHouse InteriorsDoor CountyOn InstagramUnited StatesPublished on August 03, 2018Cite: “House for Beth / Salmela Architect” 03 Aug 2018. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogPartitionsSkyfoldIntegrating Operable Walls in a SpaceGlass3MSun Control Window Film in MarkthalSinkshansgroheBasin FaucetsPaintSTAC BONDComposite Panel Finishes – MetallicsConcreteKrytonConcrete Hardening – Hard-CemSkylightsLAMILUXGlass Skylight FE PassivhausLightsLouis PoulsenOutdoor Lighting – Flindt GardenWindowsVEKAWindows – SOFTLINE 70 ADUrban ShadingPunto DesignPavilion – CUBEDoorsLinvisibileLinvisibile FILO 10 Hinged Door | AlbaWoodHESS TIMBERTimber – GLT BlockGreen FacadesSempergreenLiving Wall – SemperGreenwallMore products »Save世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my stream Photographs:  Paul Crosby Manufacturers Brands with products used in this architecture project House for Beth / Salmela Architect CopyHouses, Houses Interiors•Door County, United States Save this picture!© Paul Crosby+ 16Curated by Fernanda Castro Share Year:  Area:  1093 ft² Year Completion year of this architecture project “COPY” Manufacturers: Galvalume, Ikea, Richlite, HSave this picture!© Paul CrosbyRecommended ProductsEnclosures / Double Skin FacadesIsland Exterior FabricatorsCurtain Wall Facade SystemsWindowsVEKAWindows – SOFTLINE 82 ADWindowsVitrocsaMinimalist Window – SlidingWindowsSolarluxSliding Window – CeroText description provided by the architects. There are three basic landscape settings in Door County, Wisconsin: the lake shore, the forest, and the farm field. Although the number of farmsteads have declined, many weathered pine-sided barns still exist. The ones left have a memorable quality to their stature. Our client Beth loves the open farm field landscape of the area. This project is in many ways her vision.Save this picture!© Paul CrosbyThe House for Beth is a narrow three-room building with stepped pitched roofs that reflect the functions within. The tallest roof defines a bright, open living space with views to the landscape in all directions. The lower pitched roof houses the bathroom and bedrooms. A third lean-to structure is attached to the back which contains the mechanical room.Save this picture!© Paul CrosbyThe building runs east-west with terraces on the north and south to provide both sunny and shaded exterior spaces throughout the seasons. White painted fences partially surround the house and define the parking area and pathway to the house. Standing metal seam roofs reflect the direct sunlight, and the natural cedar siding is left untreated to weather. A splash band of black Richlite wraps the base of the house to protect the wood siding from snow and rain. White windows and trim match the fences while complimenting the natural materials that predominate.Save this picture!Plan & SectionsThe interiors consist of simple white painted drywall with natural pine floors. Sequences of large fixed windows and smaller operable windows create an immediate visual connection to the surrounding site while providing ample opportunity for breezes to passively ventilate this narrow house. Natural wood trim add warmth, and a narrow black band of Richlite above a continuous pine shelf mimicking the black splash band on the exterior. The open kitchen is bright and fresh with white casework, stone countertops, highlighted by a blue tile cooking surround. The furnishings are simple, modern, and affordable, all from IKEA.Save this picture!© Paul CrosbyProject gallerySee allShow lessSmall Bridges at Warren College UCSD / Kevin deFreitas ArchitectsSelected ProjectsComparing Tree Coverage in 10 Major Cities Around the WorldArchitecture News Sharecenter_img ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/899038/house-for-beth-salmela-architect Clipboard ArchDaily Projects “COPY” ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/899038/house-for-beth-salmela-architect Clipboard United States Photographs 2015 Houseslast_img read more

Strata House / Scott Brownrigg

first_imgPhotographs:  Khoo Guo Jie Manufacturers Brands with products used in this architecture project “COPY” CopyAbout this officeScott BrownriggOfficeFollowProductConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesOn FacebookSingaporePublished on April 24, 2021Cite: “Strata House / Scott Brownrigg” 24 Apr 2021. ArchDaily. Accessed 10 Jun 2021. ISSN 0719-8884Browse the CatalogPanels / Prefabricated AssembliesTechnowoodGRP Siding Façade SystemGlassMitrexSolar GreenhouseMetal PanelsAurubisMill Finished Copper: Nordic StandardMetallicsHAVER & BOECKERArchitectural Wire Mesh – MULTI-BARRETTE 8130Enclosures / Double Skin FacadesIsland Exterior FabricatorsCurtain Wall Facade SystemsSealantsEffisusGutter Repair – TiteGutter3Aluminium CompositesSculptformAluminium Click-on BattensTiles / Mosaic / GresiteMargresPorcelain Tiles – Linea PrestigeMetallicsRHEINZINKZinc Roof Systems – Click Roll CapsTiles / Mosaic / GresiteTerrealTerracotta Cladding TileDoorsECLISSESliding Pocket Door – ECLISSE UnilateralWindowsJoskoWindows and Sliding Doors – ONE SeriesMore products »Save世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my stream ArchDaily Products translation missing: en-US.post.svg.material_description Manufacturers: JUNG, Assa Abloy, Grohe, Kawajun, Gessi, Jonite, Mitsubishi ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/960503/strata-house-scott-brownrigg Clipboard Year:  Structural Engineering: “COPY” Architects: Scott Brownrigg Area Area of this architecture project Area:  468 m² Year Completion year of this architecture project ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/960503/strata-house-scott-brownrigg Clipboardcenter_img Strata House / Scott Brownrigg Save this picture!© Khoo Guo Jie+ 26Curated by Paula Pintos Share Singapore 2020 Projects Strata House / Scott BrownriggSave this projectSaveStrata House / Scott Brownrigg Products used in this ProjectSwitchesJUNGLight Switch – LS 990Design Team:Raymond Hoe, Sherwin Tee, Chu Hyeonseon, Alice Chiu (2018-19), Foo Fansee (2019-20)Country:SingaporeMore SpecsLess SpecsSave this picture!© Khoo Guo JieText description provided by the architects. Stunning private residence, The Strata House at No. 6 Begonia Terrace in Singapore has completed. Guided by the owners’ aspirations Scott Brownrigg have designed a 468 sq m 3-storey semi-detached home that delivers timeless, contemporary family accommodation suited to its tropical context and to reflect the owner’s desire for spaces with his children at homeSave this picture!© Khoo Guo JieSave this picture!Plan – 1st floorSave this picture!© Khoo Guo JieConstrained by its location on a narrow, corner rectilinear plot, the design concept optimises the site footprint. Accessibility both into the house and around the first-floor living, dining, and guest room spaces was a key consideration. A ramp from the vestibule at ground level allowing entry into the house and connection to the first floor.Save this picture!© Khoo Guo JieRaymond Hoe, Director of the Singapore studio and responsible for the design said: “The design is inspired by a play on horizontal strata that slits and peels in two from a common datum plane. This defines the second storey semi-private spaces that include the family foyer which visually connects to the first storey living areas. Forming a series of pragmatic spaces that are conducive to encouraging family time together.” Save this picture!© Khoo Guo JieThe layering of varying heights creates an internal space that connects the family in a fun way and weaves around the central steel staircase. The staircase is the protagonist, connecting the vertical levels, allowing for cross-ventilation and becoming a feature metallic patterned screen to diffuse the triple volume daylight from the third level roof skylight.Save this picture!© Khoo Guo JieThese interesting internal spaces and their detailing are light in their architectural expression. Created with a palette of materials that include an off-formed concrete texture, timber grain, and an industrial steel matte lustre, which provides a backdrop for the daylight and creates a play of shadows. This palette extends through to the internal furnishings with bespoke furniture and cabinetry. The internal environment blurs the boundaries with the surrounding outdoor landscape, which is accessed via the double-height main living areas.Save this picture!© Khoo Guo JieWith close proximity to its neighbours, and to ensure privacy, a continuous metallic aluminium roof defines its form, with no openings on the front elevation with an optimum amount of glazing to the side.  This is wrapped with an ‘architectural veil’ to complete the contemporary expression.Save this picture!© Khoo Guo JieThis ‘architectural veil’ screens the full height glazed views from the second-floor master and children’s bedrooms, and third-floor ensuite bedroom with a horizontal stratum of aluminium louvres rotated at angles to absorb the heat from the eastern sun to allow thermal conduction; creating air movement into the rooms.Save this picture!© Khoo Guo JieProject gallerySee allShow lessDSA Development / CoA arquitecturaSelected ProjectsSingle Family House with Poolhouse / Studio Ambacht + OostkaaiSelected Projects Share Photographs Houses CopyHouses•Singapore SC Consultants Pte Ltdlast_img read more

Pasadena Chamber of Commerce Celebrated 125th Anniversary at Inaugural Gala July 12th at Hilton Pasadena

first_img Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Subscribe Chambers of Commerce News Pasadena Chamber of Commerce Celebrated 125th Anniversary at Inaugural Gala July 12th at Hilton Pasadena From STAFF REPORTS Published on Friday, July 19, 2013 | 4:33 pm Top of the News Name (required)  Mail (required) (not be published)  Website  Your email address will not be published. Required fields are marked * Community News HerbeautyHow To Lose Weight & Burn Fat While You SleepHerbeautyHerbeautyHerbeautyWeird Types Of Massage Not Everyone Dares To TryHerbeautyHerbeautyHerbeauty5 Things To Avoid If You Want To Have Whiter TeethHerbeautyHerbeautyHerbeauty10 Brutally Honest Reasons Why You’re Still SingleHerbeautyHerbeautyHerbeautyJennifer Lopez And Alex Rodriguez’s Wedding DelayedHerbeautyHerbeautyHerbeauty7 Most Startling Movie Moments We Didn’t Realize Were InsensitiveHerbeautyHerbeauty First Heatwave Expected Next Week faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimescenter_img EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS 200 friends, community leaders, Pasadena Chamber members and business leaders were on hand at the Hilton Pasadena for our annual Inaugural Gala on July 12th. Those attending enjoyed a hosted cocktail reception and silent auction before being ushered in to a gourmet dinner and celebratory program.CL Keedy of UBS Financial Services was sworn in as Chair of the Board of Directors of the Pasadena Chamber of Commerce, replacing (now) Immediate Past Chair Patty Waggoner of Amalgamated Bank. New and returning Board members Karl Bird of Jet Propulsion Laboratory, Michael David Gallego of Cheveux Salon, Juan Gutierrez of Pasadena City College, Robert Holmquist of Parsons, Lauren Marlis of Mayfield Junior School and Justin Tsui of TeamLogic IT were sworn in along with the Executice Committee. The Executive Committee of the Pasadena Chamber consists of Chair CL Keedy, Immediate Past Chair Patty Waggoner, Chair-Elect Ben Green of the American Red Cross, Treasurer Ron Carter of The Carter Agency, Secretary Tom Daly of Christie, Parker and Hale and Vice-Chairs Joel Bryant of Trademark Development, Michael D’Antuono of National Construction Alliance, Joan De Souza of PartyLite, George Falardeau of Art Center College of Design and Bob Oppermann of CED.Special recognition was given to Joel Bryant of Trademark Development who was presented with the Directors’ Award for Community Service. Kaiser Permanente was recognized as Corporate Citizen of the Year in the Large Business category. Kidspace Children’s Museum was recognized as Corporate Citizen of the Year in the Small Business Category. Pasadena Mayor Bill Bogaard was on hand to help present the awards. Joan De Souza of PartyLite was recognized for recruiting the most new members to the Chamber in the most recent fiscal year. She receives a $795 ad in the next edition of the Pasadena Chamber of Commerce Business Directory, Community and Visitor Guide.Spencer Belko was given a $500 Pasadena Chamber Scholarship. Chamber member Christie, Parker and Hale matched the Chamber scholarship, and gave Mr. Belko an additional $500. Mr. Belko is an emancipated foster youth who recently graduated from community college and will attend Eastern Michigan University in the fall. Tony Tartaglia of the Gas Company presented Marshall High School graduate Jonathan Chea with a scholarship check for $1000, as well.The Pasadena Chamber Inaugural Gala concluded with a brief presentation on the 125 year history of the Pasadena Chamber of Commerce, going back to our beginnings as the Board of Trade.The Pasadena Chamber of Commerce Inaugural Gala was supported by Gold Sponsors Kaiser Permanente and Wells Fargo. Silver sponsors were Huntington Hospital, Park Place Commercial and Parsons. Burbank Bob Hope Airport sponsored the centerpieces and table favors. Old Oak Cellars, Pasadena’s only winery, donated wines for the event.The Pasadena Chamber of Commerce and Civic Association is a professional business organization. Since the earliest days of Pasadena, the Chamber has played a major role in the development of this internationally renowned city. Since 1888, when the organization was founded as the Board of Trade, the Chamber’s primary purpose has been the enhancement of both the business climate and the quality of life in Pasadena. The Pasadena Chamber of Commerce serves more than 1450 members. 15 recommended0 commentsShareShareTweetSharePin it Make a comment More Cool Stuff Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena Community News Business News Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy last_img read more

‘Virtual solution’ could see Ireland’s Young Filmmakers recognised

first_imgLimerick Post Show | Fresh International Film Festival The call for entries for Ireland’s Young Filmmaker of the Year 2020 is now open! Fresh International Film Festival celebrates young filmmakers from Ireland and overseas incorporating Ireland’s Young Filmmaker of the Year Awards. Pictured are young filmmakers – Jonathan from Kerry, Luke from Limerick, Meghan from Dublin, Oisin from Clare, Rebecca from Tipperary and Chloe from Cork. Fresh International Film Festival 2020 takes place in Limerick from March 23 – 28 and is open to young people from 7-18 years of age. To apply visit freshfilmfestival.com. Picture: Dermot Culhane.FILMS shortlisted for the final of the Irish Young Film Maker of the Year Awards 2020 could still be recognised in the national awards as the festival looks for a “virtual solution”.Young filmmaking talents in Limerick city and county were recognised at the Limerick Munster heats of Ireland’s Young Filmmaker of the Year Awards (IYFY) 2020 on Friday, March 6.Sign up for the weekly Limerick Post newsletter Sign Up With the cancellation of events and festivals nationwide, Jayne Foley, Fresh Film Festival and Ireland’s Young Filmmaker of the Year Awards founder said, “The Fresh team at HQ are working away on a virtual solution to hosting Ireland’s Young Filmmaker of the Year and will be in touch.”The awards were due to be presented on the March 25 for the Junior category and March 26 for the Senior category.Three Limerick filmmakers who each made music videos made it through to his year’s final, including Shane Joyce,  18, Luke Culhane, 17, and Jane Hartnett, 14.Congratulations to all our young filmmakers and to the finalists. The Fresh team at HQ are working away on a virtual solution to hosting Ireland’s Young Filmmaker of the Year 2020 and will be in touch. #freshfilm pic.twitter.com/WmeVcXnFW6— Fresh Film (@FreshIreland) March 12, 2020Shane described his video featuring singer-songwriter Eve Montgomery as being “about the feelings you can have looking back on a relationship. Reminiscing in both the good times and the bad”.Luke Culhane’s piece was for the music of Limerick rap artist Owen Alfred’s latest release ‘Blue Lights’, and the young filmmaker said his video was made “so much better” by the six locations in Limerick featured.Jane Hartnett, a student at Limerick Educate Together, is a creative animation responding to and echoing one of the key issues among young people in Ireland today, mental health and is set to the music and lyrics of Glen Hansard and Czech Markéta Irglová’s Oscar winning song ‘Falling Slowly’.Other films by young filmmakers through to the final include ‘In The Future’ by St. Anne’s Film Club TY year film class inspired by the work done by Greta Thunberg on the climate crisis and ‘Bloody Mary’ by the Sparks group about a silly game sends people into a scary world who have to work out how to escape.Audience Awards were announced following each regional screening and Oisin McKeogh from Killaloe, Co. Clare was announced as the winner of the Audience Award for the Limerick Heat for his film ‘Midsummer Beauty’. The film is about a teenage girl named Luna who struggles with a crush on her best friend.This year’s IYFY Awards received more than 1,700 entries, the most received in the competition’s 24 years, and many coming from outside of Ireland with films by young filmmakers from Poland and Iran were also screened as part of Fresh International Film Festival’s International category. Email Linkedin LifestyleArtsNewsCommunityHealth‘Virtual solution’ could see Ireland’s Young Filmmakers recognisedBy Cian Reinhardt – March 13, 2020 219 Fresh International FilmFestival offers a stellar line up of events in celebration of it 25th Anniversary Twitter Previous articleBishop Leahy confirms cancellation of mass for at least three weeksNext articleShannon Heritage operations suspended from Friday evening Cian Reinhardthttp://www.limerickpost.ieJournalist & Digital Media Coordinator. Covering human interest and social issues as well as creating digital content to accompany news stories. [email protected] Annie Lynch is the first person to receive the Pfizer BioNTech COVID-19 vaccine in Ireland TAGSartsAwardsCoronavirusFresh Film FestivalIrelandIrishIYFYLimerick City and County center_img Government announces phased easing of public health restrictions RELATED ARTICLESMORE FROM AUTHOR Ella Nethercott wins Ireland’s Young Filmmaker of the Year 2021 WhatsApp Advertisement Print Limerick health chiefs urge public not to withhold information on virus contacts, as they investigate “complex and serious outbreaks” across midwest region Facebooklast_img read more

Wells Fargo Settles With DOJ Over Bankruptcy Rules Violations

first_img November 6, 2015 1,065 Views  Print This Post Subscribe Wells Fargo Settles With DOJ Over Bankruptcy Rules Violations Brian Honea’s writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master’s degree from Amberton University in Garland. The Week Ahead: Nearing the Forbearance Exit 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago Wells Fargo Bank and the Department of Justice’s U.S. Trustee program have entered into a settlement agreement over the bank’s acknowledged violation of federal bankruptcy rules that took effect in December 2011, according to an announcement from the DOJ.Under the terms of the settlement, Wells Fargo is required to pay $81.6 million in remediation to homeowners who were in bankruptcy between December 11, 2011, and March 31, 2015. The bank has acknowledged that repeatedly failed to timely file more than 100,000 payment change notices (PCNs), which are required to be filed by mortgage creditors and served 21 days before the Chapter 13 debtor’s monthly mortgage payment is adjusted (Bankruptcy Rule 3002.1).The bank also acknowledges that it failed to perform more than 18,000 escrow analyses on nearly 68,000 mortgage accounts of homeowners in bankruptcy during the three-plus year period from December 2011 to March 2015. Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Home / Daily Dose / Wells Fargo Settles With DOJ Over Bankruptcy Rules Violations Bankruptcy Department of Justice Wells Fargo 2015-11-06 Brian Honea Demand Propels Home Prices Upward 2 days ago Tagged with: Bankruptcy Department of Justice Wells Fargocenter_img Demand Propels Home Prices Upward 2 days ago in Daily Dose, Featured, Government, News Related Articles The Best Markets For Residential Property Investors 2 days ago “I am pleased that Wells Fargo has acted responsibly by accepting accountability for its deficient bankruptcy practices, agreed to compensate affected homeowners for those deficiencies and committed to making necessary improvements in its bankruptcy operations,” said Director Cliff White of the U.S. Trustee Program. “When creditors fail to comply with the bankruptcy laws and rules, they compromise the integrity of the bankruptcy system and must be held accountable. Transparency in the process is of paramount importance. Homeowners in bankruptcy have the right to proper and timely notices, particularly when they are being asked to pay more. The U.S. Trustee Program remains diligent in its effort to hold financial institutions that disregard the law accountable for their actions.”Wells Fargo has also agreed to change its internal operations and submit to oversight by an independent monitor who will periodically perform compliance checks and file reports with the bankruptcy court, according to the DOJ. The two parties have selected Lucy Morris of Hudson Cook LLP as the independent reviewer, and the bank will pay all costs associated with the compliance reviews.“We believe we have made the necessary investments and improvements in our systems and processes to ensure that payment change notices for the bankruptcy court and escrow analyses for customers in bankruptcy are properly prepared and delivered in a timely fashion,” said Michael DeVito, executive vice president for Wells Fargo Home Mortgage. “We will work with the U.S. Trustee’s office and an independent reviewer to demonstrate the effectiveness of our improvements and to provide payments to customers, as required.”Click here for a breakdown of the settlement terms. About Author: Brian Honea Governmental Measures Target Expanded Access to Affordable Housing 2 days ago “Homeowners in bankruptcy have the right to proper and timely notices, particularly when they are being asked to pay more.”Department of Justice Share Save Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Sign up for DS News Daily Previous: Fannie Mae, Freddie Mac Q3 Earnings Reports Fuel Bailout Speculation Next: OCC to Test Banks for TRID Compliancelast_img read more

Fannie Mae, Freddie Mac, and the QM Patch

first_img Share Save Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles Home / Daily Dose / Fannie Mae, Freddie Mac, and the QM Patch Fannie Mae FHFA Fredde Mac GSE Lending 2019-05-13 Seth Welborn Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago 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. Tagged with: Fannie Mae FHFA Fredde Mac GSE Lending  Print This Post Fannie Mae, Freddie Mac, and the QM Patch About Author: Seth Welborn Sign up for DS News Daily center_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Subscribe May 13, 2019 2,719 Views The Week Ahead: Nearing the Forbearance Exit 2 days ago Previous: Will San Francisco Experience an IPO Housing Boom? Next: Measuring Consumer Economic and Housing Market Expectations According to the Wall Street Journal, Fannie Mae and Freddie Mac have been increasingly backing loans to borrowers with heavy debt loads. The Journal reports that 30% of loans packaged into into bonds by Fannie and Freddie within the last year were to homebuyers whose total debt payments amounted to more than 43% of their incomes. This share has doubled since 2015.“Some say cheap, federally backed financing has made credit available for millions of borrowers who otherwise might not have had a shot at homeownership,” said WSJ’s Ben Eisen. “Others say that more-indebted borrowers are riskier, and that their purchases may be accentuating a rise in home prices that in many areas has outstripped median incomes.”One possible factor driving the increase is the qualified mortgage patch (QM patch). The Urban Institute estimates that an additional 3.3 million mortgages were originated between 2014 and 2018 because of the patch. Additionally, though the GSEs have tightened some standards, Fannie announced around two years ago that it would more freely guarantee mortgages with debt-to-income ratios of between 45% and 50%. Federal Housing Finance Agency (FHFA) Director Mark Calabria has announced that he plans to address the issue, while working to move Fannie and Freddie out of conservatorship.Patch usage has grown in the last few years, and according to Calabria, changing the patch would be a key tool to shrink Fannie and Freddie without a full overhaul, though he states that he does not intend to do away with it entirely.In a recent interview with the Journal, Calabria stated that he wants to put the now-profitable GSEs back into private hands, something that has been tried and failed by lawmakers in the past.“I see my goal as setting a path to end the conservatorship” for the companies, he said, adding that “they have to be stronger, healthier companies” compared to before the 2008 housing crisis.“My objective is to get us to a spot where we don’t have to worry about the system blowing itself up,” he continued. Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago in Daily Dose, Featured, Government, Loss Mitigation, News, Secondary Market Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days agolast_img read more

CFPB Grants Bank of America No-Action Letter

first_imgSign up for DS News Daily Home / Daily Dose / CFPB Grants Bank of America No-Action Letter January 13, 2020 1,985 Views The Week Ahead: Nearing the Forbearance Exit 2 days ago The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago  Print This Post Tagged with: Bank of America CFPB HUD NAL CFPB Grants Bank of America No-Action Letter About Author: Seth Welborn Share Save Related Articles Subscribe Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago The Consumer Financial Protection Bureau (CFPB) has granted a no-action letter (NAL) to Bank of America, N.A. regarding the bank’s funding arrangements with housing counseling agencies (HCAs) certified by the U.S. Department of Housing and Urban Development (HUD).  NALs provide increased regulatory certainty through a statement that the Bureau will not bring a supervisory or enforcement action against a company for providing a product or service under certain facts and circumstances.The CFPB issued a revised NAL Policy in September 2019, which improved on the Bureau’s 2016 NAL Policy by having, among other things, a more streamlined review process focusing on the consumer benefits and risks of the product or service in question. According to the CFPB, regulatory uncertainty can “hinder the development” of innovative products and services that benefit consumers.NALs provide increased regulatory certainty through a statement that the CFPB will not bring a supervisory or enforcement action against a company for providing a product or service under certain circumstances.“The new NAL Policy improves on the Bureau’s 2016 NAL Policy by having, among other things, a more streamlined review process focusing on the consumer benefits and risks of the product or service in question.” the CFPB says.Basing its application on the template the Bureau approved in response to HUD’s request, Bank of America applied for a NAL to facilitate funding arrangements with HCAs.The CFPB’s first NAL under the new policy is in response to a request by the Department of Housing and Urban Development (HUD) on behalf of more than 1,600 housing counseling agencies (HCA) that partake in HUD’s housing counseling program.HUD discussed concerns in 2018 to the CFPB about the HCAs and lenders not entering into agreements that would fund counseling services due to uncertainty of the Real Estate Settlement Procedures Act (RESPA).Bank of America’s NAL application can be found here. Bank of America CFPB HUD NAL 2020-01-13 Seth Welborn in Daily Dose, Featured, Government, News Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago 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. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Previous: $13.4M in Investments Proposed for Puerto Rico Next: Roofstock Closes $50M SFR Equity Round Servicers Navigate the Post-Pandemic World 2 days agolast_img read more

Main Evening News, Sport and Obituaries Tuesday December 4th

first_img FT Report: Derry City 2 St Pats 2 Previous articleInter-County Referee joins Donegal Sports Partnership teamNext articleNight with Donegal Greats Fundraiser launched News Highland By News Highland – December 4, 2018 News, Sport and Obituaries on Monday May 24th Twitter Google+ Facebook Journey home will be easier – Paul Hegarty Main Evening News, Sport and Obituaries Tuesday December 4th:Audio Playerhttp://www.highlandradio.com/wp-content/uploads/2018/12/04news.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Google+ Pinterest DL Debate – 24/05/21 center_img Main Evening News, Sport and Obituaries Tuesday December 4th RELATED ARTICLESMORE FROM AUTHOR Pinterest Derry draw with Pats: Higgins & Thomson Reaction Harps come back to win in Waterford Facebook WhatsApp AudioHomepage BannerNews Twitter WhatsApplast_img read more

What a stink! New septic tank rules set to upset rural sales

first_imgAny estate agent operating in rural areas will be aware of the joys of septic tanks, cess pits and sewage treatment tanks – because discovering that they are not correctly sited, not properly maintained or have leakage issues can be a deal killer.Many systems are properly maintained, others are old, rural and rusting and disgusting. Now, says the law, it’s time they are rather more fragrant and efficient.The General Binding Rules for small sewage discharges (SSDs) have been put in place to protect England’s surface water resources (e.g. rivers, streams etc.) from pollution caused by septic tanks and other small-scale sewage treatment plants.Under the new regulations, it is no longer permissible to discharge low quality effluent from septic tanks directly into ditches, streams or other watercourses.Instead, homeowners have the option of replacing or upgrading systems to incorporate a drainage field. This is also known as an infiltration system and means the effluent can seep into the ground instead for further treatment by soil bacteria.Andrew Marshall, Regional Director of Hamptons International is clear: “The changing legislation cannot be ignored – the responsibility lies with owners to understand their private drainage system and any changes they need to make to comply.“New rules came into effect in 2015, when 2020 felt like a long time away; now it is just weeks away. A number of homeowners across the country are looking at selling but have not acted on this new legislation, some are surprised by the work required. Ignoring it will not make it go away!  Irrespective of whether you are looking at selling or not, this is an issue that needs to be addressed to abide by the new regulations.”Robert Franklin, Head of Architecture & Building Surveying at Robinson & Hall, Land and Property Professionals, says, “Anyone who owns a property which is not connected to a mains drainage system, please ask yourself:Do you know the difference between a septic tank, cess pit and sewage treatment plant?If you own a septic tank, do you know where it discharges?Septic tanks are very common in rural properties and most homeowners find them a relatively easy solution to the problem of dealing with wastewater and sewage where no mains drainage is available.More info:Robert Franklin, Head of Architecture & Building Surveying : [email protected] Marshall, Regional Director of Hamptons International: [email protected] septic Hamptons International October 29, 2019Nigel LewisWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021 Hong Kong remains most expensive city to rent with London in 4th place30th April 2021 Home » News » What a stink! New septic tank rules set to upset rural sales previous nextRegulation & LawWhat a stink! New septic tank rules set to upset rural salesUpgrading the tanks can be costly and failure to react could cost even more when buyers lower their offers or walk away from a purchase.Sheila Manchester29th October 201901,792 Viewslast_img read more