Why Some Lenders Can Offer Lower Rates Than Others By Shmuel Shayowitz | April 08, 2021
Competition is usually beneficial for consumers, especially when it comes to comparable offerings. When suppliers know that their product can be shopped and matched, it often prompts them to deliver their best price upfront. Despite over 90% of conventional loans being sold to the same FHFA Agencies, not all loan sources are equal when it comes to getting “the best deal” for their clients.
Let’s start with “margin.” Typically, the margin is the profit that a particular lender or bank is looking to make on a given loan. Of course, pricing varies at the different mortgage companies, but quite common is the fact that larger organizations need to incorporate their massive overhead and infrastructure costs into the equation. More hierarchy and layers of personnel mean more “touches” and a higher cost-per-loan, resulting in a higher rate or fee to the cons
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Left: Beyond Burgers from Diller; right: a sandwich from Izzy’s BBQ. (Dani Klein)
JTA Many industries were harmed in 2020, perhaps none as deeply as the hospitality sector. Nearly one in six U.S. restaurants had closed as of December, according to data from the National Restaurant Association.
Kosher Restaurants Have Weathered the Storm
(JTA) Many industries were harmed in 2020, perhaps none as deeply as the hospitality sector. Nearly one in six U.S. restaurants had closed as of December, according to data from the National Restaurant Association.
Kosher establishments were not immune to the economic consequences of the pandemic: We saw iconic kosher restaurants permanently close this year, including Abigael’s in Manhattan, Casablanca in New Orleans, Wolf & Lamb in Brooklyn, Mama’s Vegetarian in Philadelphia and Bamboo Garden in Seattle, plus a few dozen more in the United States and Canada.
According to the restaurateurs with whom I’ve spoken, those who haven’t shut down are largely struggling, both financially and under the thumb of harsh government restrictions in places like New York and Los Angeles. They deserve much credit for their innovations and perseverance throughout the year, delivering for the first time even to neighborhoods one or two hours aw
(JTA) — Many industries were harmed in 2020, perhaps none as deeply as the hospitality sector. Nearly one in six U.S. restaurants had closed as of December, according to data