Betis coach Joan Francesc Ferrer, Rubi, reviewed the previous game that his team plays against Real Madrid: “There are two or three teams in this League that are harder to beat than the rest. Before Madrid we have to make it almost perfect to win, but it doesn’t scare us. We were able to win against Atlético and Barcelona. “Ultimatum? “That question this year is very common, unfortunately because we are not where we should be. But I do not worry, I work to be close to victory. Then whether we win or not depends on other things.” Madrid more vulnerable. “I have the impression that you can hurt him, like everyone else. But his numbers in conceded goals are very low and the defensive facet is taking it well. You don’t end up hurting him and his goalkeeper is in great shape. We will try to take advantage of his weaknesses but it will be key that we put the chances that we have, that we are going to have for sure. Madrid, Barcelona or Atlético are very powerful, but we cannot focus on these matches from the excess of respect. We have to do things very well to win, but we can to get it”.Sensations. “It has been another hard week but I do not notice discouragement in our players. We are going to face and play a game more than worthy. It hurts that deserving more in other games we have no reward. We must insist and work harder if possible.” Problem of the coach? “I understand that no, but what am I going to say. These last matches we have been close to winning them all, for me it is very different now at the beginning of the campaign. I do not see a team that has fallen or does not make chances. This season we have started it crooked , in the first third there were many concepts that the team did not assimilate, that cost us a deficit.Then we have set up many good games with some not so good, but within a normality.What will happen? I will fight to be the top possible and go over 50 points minimum. We don’t have that fortune point to help us. The only ones who don’t put Betis in their position are the players and the coaching staff. We are working hard to change it. “Defensive bleeding. “We continuously analyze everything that happens to us. In Valencia we conceded two goals, the second I blame, because we risk the most, it is a matter of going up to an open grave. But in Mestalla we suffer very little. Against Mallorca more, but the effectiveness of the rival was one hundred percent. Of course I look for things to try not to score those goals, but our goalkeeper does not make eight stops at the beginning of the League. “Bad run of Borja Iglesias. “Every week we think about the striker. Loren had an incredible level, then the level was more even and both have been playing.”Feddal. “Zou wants to stay and I understand that the campaign will end with us, he wants to help. We have four extraordinary centers.”Warning for the derby. “We have not looked at it that any day, nor will we do it in this match. Channels can play with four cards, it has many duels as well. But if there is any need to be done, he will have to sacrifice the derby for the sake of this match against Real Madrid”.Setién and its possible return. “What hurt me was that at the beginning of the project I could not have the room to maneuver, but at the moment when Rubi is not a coach I will have to respect the one who comes. out of here”.
Adjusted Rate Mortgage ARM Defect First American Misinformation Mortgage Rates Purchase transactions Refis 2018-03-30 Alison Rich in Daily Dose, Featured, journal, News, Origination A Return to ARMs March 30, 2018 541 Views Since the mortgage domain—and the nation—went into a tailspin a decade ago and tons of borrowers lost their homes, adjustable-rate mortgages (ARMs) have got a bad rap. Sordid history aside, the ARMs offered now are head and shoulders above the previous models, says First American in its February 2018 Loan Application Defect Index.“Today’s ARM is not like those of the past,” said Mark Fleming, Chief Economist at First American. “It is essentially the same as the 30-year, fixed-rate mortgage with one difference: Rates adjust after an initial fixed period of usually five or seven years.”Retooled characteristics aside, though, will the comeback of these previously scorned products give rise to surging loan application defect risk? “ARMs historically have had more defect, fraud, and misrepresentation risk than the traditional 30-year, fixed-rate mortgage,” First American said. “Interestingly, that has changed recently. Adjustable-rate mortgages, based on our defect, fraud, and misrepresentation index, are modestly less risky.”Now that we’re in a rising interest rate environment—a 30-year, fixed-rate product currently is about 4.5 percent and expected to reach 5 percent by year-end—ARMs are looking more attractive. With a current rate of 4 percent, borrowers wanting to keep their payments lower are likely to reach for an ARM, First American says. Based on its risk analysis, that might not be such a bad idea, the company notes.Its Defect Index showed that in January, the frequency of defects, fraud, and misrepresentation in the information provided in mortgage loan apps stayed the same compared with the previous month. Compared with February 2017, the index rose by 9.2 percent but is down 18.6 percent from the peak risk point recorded in October 2013, First American reports. For refi transactions, the index remained flat compared with the previous month and is 13.1 percent higher than a year ago. As for purchase transactions, the index dropped by 1.1 percent compared with the prior month and is up 7.1 percent compared with a year ago.“As mortgage rates continue to rise, the share of adjustable-rate mortgages is also likely to increase and, if current defect risk patterns hold, will offset some of the increased risk the market will bear as it shifts to purchase transactions,” First American said. Share