Since African-Americans were unwelcome in white neighborhoods, which frequently instituted racial restrictive covenants to keep them out, the policy effectively meant that blacks could not secure mortgage loans at all.

Since independent mortgage brokers did not want to pay for two appraisals and did not know which lender they would ultimately use, and since Countrywide was the biggest home mortgage lender in the U. S., brokers simply would not use anyone on the Field Review List.

Since the lender did not necessarily enter into possession, had rights of action, and covenanted a right of reversion on the borrower, the mortgage was a proper collateral security.

Since a mortgage lender is not willing to take the risk that a homeowner will not pay property tax, escrow is usually required under the mortgage terms.

Since no monthly payments are made by the borrower on a reverse mortgage, the interest that accrues is treated as a loan advance.

Since most people who buy a house require financing to complete their purchase, mortgage contingencies are one of the most common type of contingencies in real property contracts.

Since then however, first time buyers have regained some momentum in the market, with reports in 2010 citing first-time buying as the most popular of consumer enquiries for a local, whole of market mortgage adviser-accounting for 37 % of total enquiries.

Since there is no monthly PMI, more of the mortgage payment goes directly towards qualifying for the loan amount, allowing for larger loans with the same payment.

Since then, the business has expanded to include insurance, online banking, mortgage operations, and commercial finance.

Since 2005 automotive sector jobs have experienced very low job security, and since 2007, real estate and mortgage related jobs have seen a big decrease in job security.

Since the mid 1980s, the United States has had a growing deficit in tradeable goods, especially with Asian nations ( China and Japan ) which now hold large sums of U. S debt that has funded the consumption.

Since then, consistent liberalization and astute economic management has led to the removal of 95 % of all price controls, low unemployment, a positive balance of payments position, a stable exchange rate, a shift of exports from former communist economic bloc markets to Western Europe, and relatively low foreign debt.

Since then, and even in recent years, public spokesmen in Haiti as well as international academics and statesmen have denounced this event as the payment of an illegitimate debt, in several cases calling on the French government to repay it ( the French government has never been willing to repay it, though there was a hoax following the 2010 Haiti Earthquake involving a fake website purporting to offer reparation payment on behalf of the French Government ).

Since the 1950s, following the lead of D. W. Jefferson, there are those who argue that, whatever its legacy of influence may be, Tristram Shandy in its original context actually represents a resurgence of a much older, Renaissance tradition of " Learned Wit " – owing a debt to such influences as the Scriblerian approach.

Since the risk free rate should theoretically exclude any risk of default, this implies that the yields on foreign owned government debt cannot be used as the basis for calculating the risk free rate.

Since the required return on government bonds for domestic and foreign holders cannot be distinguished in an international market for government debt, this may mean that yields on government debt are not a good proxy for the risk free rate.

Since debt financing is often tax-deductible, companies are incentivized to borrow, thus reducing taxable income but leveraging the growth rate of profits and capital gains.

Since the crisis, funding by senior debt has become more common.

Since the 17th century, lenders have not been allowed to carry interest in the property beyond the underlying debt under the equity of redemption principle.

Since the value of money – be it dollars, gold, or others – may fluctuate over time via inflation and deflation, the value of deferred payments ( the real level of debt ) likewise fluctuates.

Since its privatization in 1999, the company has been repeatedly loaded with debt and asset stripped by domestic and foreign speculators.

Since leading a public campaign against corruption and implementing economic reforms in his country, he has been widely seen abroad as an African statesman championing debt relief and democratic institutions ( three times rejecting government change by coups d ' état in Africa as the chairperson of the African Union ).

Since his election in 2001, he has taken an interest in a wide range of issues including climate change and the environment, debt and personal finance, road safety, trade justice, international development and constitutional issues.

Since the economic reforms of the 1990s and the introduction of user pays in tertiary education, students associations and the national body have shifted their focus to challenging inequities in the student loan scheme and high levels of student debt.

Since the teacher fully provided for the pupil during this period, the student accrued a debt to his master that was later repaid through performance earnings.

Since in most cases debt expense is a deductible expense, the cost of debt is computed as an after tax cost to make it comparable with the cost of equity ( earnings are after-tax as well ).

Since all natural minor scales derive from the white keys on the piano played from A to A, in choosing the A minor scale Pärt is acknowledging his debt to early church music, or at least affirming his affinity with it.

Since the independence of Slovenia in 1991 Primorje was one of the top Slovenian clubs, having spent a total of 18 seasons in the Slovenian PrvaLiga until the club folded, following the 2010 – 11 season when they were, due to a high financial debt, unable to obtain competition licences issued by the Football Association of Slovenia.

Since NSB based their fares on the route length traveled, financing would be covered by a surcharge equal to the distance saved ; ticket price would remain the same and within twenty years the debt would be covered.

Since the Constituent Assembly's " debt to the 1935 Act in particular is very great " ( Austin 2008: 328 ), indigenous hill peoples of Manipur and Tripura predictably did not figure in the Sixth Schedule of the Constitution in independent India.

Since shopkeepers often sell goods on credit ( demanding high interest ), many tribal members have been drawn deeply into debt or mortgaged their land.

Since the Supreme Court's decision of that year this is more doubtful ; ;

( Since the time-span of the nation-state coincides roughly with the separate existence of the United States as an independent entity, it is perhaps natural for Americans to think of the nation as representative of the highest form of order, something permanent and unchanging.

Since it is not far from Viareggio, he will visit Puccini's house, as he never fails to do, to pay his respects to the memory of the composer of La Boheme, which he considers one of Puccini's masterpieces.

Since attack serves to stimulate interest in broadcasts, I added to my opening statement a sentence in which I claimed that German youth seemed to lack the enthusiasm which is a necessary ingredient of anger, and might be classified as uninterested and bored rather than angry.

Since the air is a continuum, the network of communication remains intact regardless of the positions or motions of the points ( the people ) in the net.

Since the hazards of poor communication are so great, p can be justified as a habitable site only on the basis of unusual productivity such as is made available by a waterfall for milling purposes, a mine, or a sugar maple camp.

Since the difficulty of drawing the net is great, we will merely discuss it.

Since a civilizational crisis involves also a crisis in private interests and in the ruling class, reaction is normally found among those who feel themselves to be among the ruling class.

Since civilizational change is the most difficult to perceive and analyze, it seldom is given adequate attention.

Since the slogans have little application to reality and are sanctimonious to boot, the applause is faint even in areas of the world where we should expect to find the greatest affection for free government.

Since more is known about Quiney than about any other acquaintance of Shakespeare in Stratford, his career may be followed to its sudden end in 1602.

Since the great flood of these dystopias has appeared only in the last twelve years, it seems fairly reasonable to assume that the chief impetus was the 1949 publication of Nineteen Eighty-Four, an assumption which is supported by the frequent echoes of such details as Room 101, along with education by conditioning from Brave New World, a book to which science-fiction writers may well have returned with new interest after reading the more powerful Orwell dystopia.

Since Laos is of no more purely military value to Moscow itself than it is to Washington, this approach might be expected to head off Mr. Khrushchev for the moment.

Since little is known about autism, and almost nothing has been written for the layman, we'd like to share one experienced mother's comments.

Since the work is done by hand, the only limitation, it is said, `` is that of human conception ''.

Since the apparatus is new, it requires experimentation and changes in technique.

Since the obvious is not always true, the Republican National Committee wisely analyzed its defeat of last autumn and finds that it occurred, as suspected, in the larger cities.

Since he has just shown who is top dog, he may not be ready to receive this highest honor in the gift of the Soviet people.

Since appeals to morality, to humanity, and to sanity have had such small effect, perhaps our last recourse is the deterrent example.

Since the goal of our international planners is a World Government, this Atlantic Community would mark a giant step in that direction for, once American economic autonomy is absorbed, a larger grouping is a question of time.