We are THRILLED to be helping to Sponsor the American Red Cross, Lung Force Run/Walk this upcoming weekend on August 27th, 2016. We are proud to announce that the National Sponsors are CVSHealth and Kindred Healthcare!! What an honor to be working with so many amazing companies! Come out to see us, and support us all...you won't be able to miss us...just look for our Giant RED Moving Truck that will be handing out water!
Location: Jax Landing
Date: Saturday August 27th, 2016
Who: Corporate Teams, Friends, Family, anyone is welcome to come down!!
Registration: Adults $25 & Youth $15
Fundraising: Not required but certainly encouraged.
Fannie Mae and Freddie Mac today announced a redesigned Uniform Residential Loan Application, the standardized form used by borrowers to apply for a mortgage loan.
Here is the joint release from the government-sponsored enterprises on the topic.
"The publication today of the redesigned Uniform Residential Loan Application represents a significant step in a multi-year effort to update, standardize and enhance the quality of loan information for underwriting single-family mortgages,” FHFA Director Melvin Watt.
“Fannie Mae and Freddie Mac have been working in collaboration with lenders, trade groups, mortgage insurers, housing and consumer advocates, technology solution providers, and other federal agencies to ensure that the revised loan application is easier to read, technology enabled and more consumer-friendly,” Watt said. “Fannie Mae and Freddie Mac have also conducted extensive usability testing with borrowers and lenders across the country to ensure that the redesigned form achieves these objectives.”
The revisions marketed the first substantial revisions made to the form in over 20 years. The changes will allow lenders to deliver an easier, more consumer-friendly loan application experience.
"The redesigned URLA allows much greater flexibility than in the past by acknowledging that not all loan applications are the same," said Samuel Oliver, Freddie Mac vice president of single family business transformation management.
"It does a great job of capturing new data that aligns with the needs of Freddie Mac, Fannie Mae and other agencies, eliminating irrelevant underwriting data fields, and displaying information in an easier-to-read format," Oliver said.
The changes reorganize the layout and make it easier for consumers to understand. Fannie and Freddie also worked together to make a common corresponding dataset called the Uniform Loan Application Dataset in order to enable consistency of data delivery.
“The redesigned URLA is the result of extensive collaboration with industry stakeholders,” said Andrew Bon Salle, Fannie Mae executive vice president of single-family business.
“We are proud to be a part of this effort that enables lenders to better serve their customers by providing ease and clarity to borrowers during the loan origination process,” Bon Salle said.
Fannie and Freddie published the documents now in order to provide the industry with enough time to become familiar with URLA and ULAD and plan to make changes to their systems.
The redesigned URLA will become available to use on January 1, 2018. The date where lenders will be required to use the new documents, however, has yet to be set.
"Although final implementation of the new loan application is still more than a year away, and the application must still undergo "safe-harbor" review by the Consumer Financial Protection Bureau, we anticipate that publication of the redesigned form now will give the industry ample time to analyze and prepare for its use in 2018,” Watt said.
Some of the revisions made to the loan application include:
Redesigned format: Improved navigation and organization that will support accurate data collection and better efficiency for a more consumer-friendly experience.
New and updated fields: Capture loan application details that reflect today’s mortgage lending business and support both the GSEs’ and government requirements.
Clearer instructions: Simplified terminology enables borrowers to complete the loan application with less help from the lender.
Revised government monitoring information: Incorporates the revised Home Mortgage Disclosure Act demographic questions.
Spanish informational version: Will be available soon.
The redesigned URLA comes as the result of extensive collaboration with lenders, technology solution providers, mortgage insurers, trade associations, housing advocates, borrower groups and other industry participants. Additionally, Fannie and Freddie worked with the FHA, VA, RHS, U.S. Department of Housing and Urban Development and the Consumer Financial Protection Bureau.
This is the new section that includes the email and cell phone boxes in the form.
To view the entire form, click here.
Trulia Real Estate News, Aug 23rd, 2016 Source Info HERE
There is SO much going on all over Jacksonville, that it can almost make your head spin just thinking of it all! Now, the Jacksonville Jaguars have just announced along with the City of Jacksonville, that they have officially broken ground on the new amphitheater adjacent to Everbank Field!
The new building will be called the "Daily's Place", "This innovative, state-of-the-art facility is truly an asset to Jacksonville. Both Symbolically, and physically. It demonstrates how we are building a better city and economy for Jacksonville's citizens and visitors."
Here is an excerpt from MYJAXCHAMBER.com where they describe the useful nature of this project.
"I am very excited to introduce Daily’s Place, a multi-use complex that will provide Jaguars fans with the best game-day experience and offer our city the finest in entertainment in a state-of-the-art amphitheater,” said Edge. “We couldn’t be more enthusiastic about expanding our longstanding relationship with the Jaguars. Daily’s is proud to call Jacksonville home - as we like to say, ‘it’s nicer here.’”
Daily’s Place will house the new 5,500-person capacity amphitheater and 94,000-square foot covered flex field, as well as a luxurious back-of-house artist building. The soon-to-be-iconic superstructure will reside underneath a roof that covers both venues. Fabric and steel comprise more than eighty percent of the design materials for the project. Polytetrafluoroethylene (“PTFE”) fabric will be suspended from a series of steel trusses, each spanning 430 feet from the south end zone of the stadium to the southern façade of the flex field.
The state-of-the-art amphitheater has been designed with both audience and performers in mind. Audience sight lines, sound and video technology have been given every consideration to ensure an outstanding event experience for attendees. The back-of-house artist building is designed to provide artists with the best possible environment to support their performance. The back-of-house space includes multiple artist dressing rooms, artist lounges, a VIP guest meet and greet space, laundry and dining facilities.
Daily’s Place will be fully integrated into EverBank Field, creating a cohesive environment for events and festivals to utilize the entire stadium premises. At the ground level, the new south end zone field super-tunnel will lead to a brand new central bar connected to the amphitheater entrance. The existing Bud Light Party Zone and Terrace Suite areas will now be linked to the amphitheater’s elevated seating decks via access bridges at each level.
The covered flex field includes a regulation size football field with over 20 feet of auxiliary space around the artificial playing surface. At its highest point along the 50-yard-line, the roof rises nearly 80 feet. Flanked on the north and south side by massive hangar doors, the facility can be used independently or opened up to the amphitheater via a sliding door behind the stage that measures approximately 53 feet tall by 60 feet wide. Along the south side of the property are four more sliding doors of similar size that, when opened, create an open air experience measuring 222 feet wide. When the doors are closed to the flex field, the space is fully climate controlled.
The design was conceived alongside architects from Populous and will be built by the team from Hunt+Danis, A Joint Venture. Populous also designed the newly renovated US Assure Club and the new south end zone tunnel. Hunt Construction Group has been involved in ongoing renovations to the stadium for more than 20 years. Danis, a Jacksonville-based construction company, has completed several local iconic projects around Jacksonville.
“We are incredibly honored for the joint venture of Hunt+Danis to have been selected to construct and deliver this iconic and state-of-the-art facility to the fans and community of the Jacksonville Jaguars,” said Jeff Fisher, Project Executive, Hunt Construction Group, an AECOM Company. “We originally built EverBank Field over 20 years ago, we recently renovated EverBank Field including the installation of some of the largest video displays in professional sports and now, once again, the Jacksonville Jaguars and the City of Jacksonville have trusted us to expand and improve the facility."