in Servicing, Technology Share Attorneys & Title Companies Company News Processing 2011-06-21 Ryan Schuette June 21, 2011 460 Views NAMFS Updates Online Remediation Platform Adding to an innovative new remediation platform it launched in May, the “”National Association of Field Mortgage Services””:http://www.namfs.org/ (NAMFS) announced key additions that propose to enhance the speed and ease with which field services providers and code enforcement officials try to remediate at-risk property violations.[IMAGE][COLUMN_BREAK]According to a statement, “”NAMFS””:http://www.namfs.org/ made updates to ALLIANCE, which proffers its national members and code enforcement officers with an online communications system that exists to help resolve code-related issues and potential fines.ALLIANCE’s features include electronic forms, contact information, search capabilities, and the ability to designate property attributes and conditions.””NAMFS””:http://www.namfs.org/ could not be reached for comment.According to the association’s Web site, code enforcement officers input code-related data into an ALLIANCE electronic form, which participating NAMFS members receive in real-time, following which users may contact an appropriate officer about the at-risk property or signify their lack of stake in the violation.ALLIANCE aims to facilitate faster resolution of at-risk property violations by connecting field services providers and code enforcement officers.
“”Fannie Mae””:http://www.fanniemae.com/portal/index.html and “”Freddie Mac””:http://www.freddiemac.com/ servicers will be able to skip a step when attempting to get a short sale or deed-in-lieu of foreclosure approved.[IMAGE] On Wednesday, the GSEs announced standard delegation agreements were reached with nine mortgage insurers to allow servicers to complete short sales and deeds-in-lieu without seeking approval from the mortgage insurer. The agreement takes effect November 1. The short sale or deed-in-lieu still has to meet the GSEs’ requirements, but servicers don’t have to wait for mortgage insurers to offer their stamp of approval. [COLUMN_BREAK]””Short sales and deeds-in-lieu are important tools to prevent foreclosures and help struggling borrowers,”” said Leslie Peeler, SVP of national servicing organization at Fannie Mae. “”These delegation agreements create an even more streamlined process that will ultimately help more families avoid the costly effects of foreclosure and benefit taxpayers. We are pleased that the mortgage insurance companies have stepped up to the plate with us to help more homeowners.”” Tracy Mooney, SVP of servicing and REO at Freddie Mac, said, “”We applaud the nation’s mortgage insurers for committing to work with us and our servicers to help more borrowers obtain short sales and other foreclosure alternatives.””The mortgage insurers that signed onto the agreement are CMG Mortgage Insurance Company; Essent Guaranty, Inc.; Genworth Mortgage Insurance Corporation; Mortgage Guaranty Insurance Corporation; PMI Mortgage Insurance Co.; Radian Guaranty Inc.; Republic Mortgage Insurance Company; Triad Guaranty Insurance Corporation, and United Guaranty Mortgage Insurance Company.The GSEs require mortgage insurance for borrowers who make a down payment that is less than 20 percent of the property value when taking out a loan. The announcement adds to “”Fannie Mae and Freddie Mac’s new standards for short sales””:http://www.dsnews.com/articles/short-sales-will-find-approval-faster-through-new-guidelines-for-gses-2012-08-21, which also take effect November 1. The new guidelines for short sales were adopted to streamline the short sale approval process. Share Agents & Brokers Attorneys & Title Companies Fannie Mae Freddie Mac Genworth Mortgage Insurance Corp. Investors Lenders & Servicers Mortgage Guaranty Insurance Corp. Mortgage Insurance Radian Guaranty Inc. Service Providers 2012-10-31 Esther Cho October 31, 2012 425 Views Mortgage Insurers to Allow Short Sales, Deeds-in-Lieu Without Approval in Government, Servicing
June 1, 2015 835 Views Share The FHLBank System Completes First Merger in 80-Year History The Federal Home Loan Bank of Des Moines (FHLB Des Moines) announced today in a press release that it will merge with the Federal Home Loan Bank of Seattle (FHLB Seattle). More details concerning this new combination will be included in a related Form 8-K that FHLB Des Moines will file with the Securities and Exchange Commission.”The paperwork has been formally approved and signed and the merger of the Federal Home Loan Bank of Des Moines with the Federal Home Loan Bank of Seattle is now official,” said Melvin L. Watt, FHFA director. “As the regulator of the Federal Home Loan Bank System, FHFA views this voluntary merger as consistent with safety and soundness and with the mission of the System to support home mortgage lending and community investment.”FHLB Des Moines is one of 11 regional Banks in the FHLBank System, the release stated. It was established by congress in 1932 to support mortgage lending. The FHLBank system funds approximately 7,400 federally insured depository institutions of all sizes and types. Its membership includes commercial banks, credit unions, thrifts, insurance companies, and community development financial institutions from every U.S. state and territory.This voluntary merger will constitute the first in the 80-year history of the FHLBank system, the cooperative said. The merger closed on May 31, 2015, and today is the first day that the two Banks will operate as one.“We are pleased to have finalized this merger with overwhelming support from our members,” said Dick Swanson, FHLB Des Moines CEO. “As a cooperative, we strive to make decisions that are in the best long-term interest of our members. We believe that the continuing Bank will be stronger by virtue of its larger and more geographically diverse membership base and can achieve operational efficiencies that will help maintain our sound financial condition over the long run.”FHLB Des Moines will now be the largest bank in the system in terms of membership and geography, the company said. It will also serves nearly 1,500 financial institutions in 13 states and three U.S. Pacific territories. Headquarters are to remain in Des Moines with a western regional office in Seattle.“The management teams, staffs and boards at both Banks worked closely together over the last six months on a merger integration plan designed to help facilitate the smoothest possible transition for our members,” said Mike Wilson, FHLB Des Moines president. “We are confident that we are well-positioned to maintain the same high level of customer service and support that our customers are accustomed to receiving and fulfill our mission of providing funding and liquidity to meet the housing, economic development and business needs of communities across our district.” Bank Merger Federal Home Loan Bank of Des Moines Federal Home Loan Bank of Seattle Securities and Exchange Commission 2015-06-01 Staff Writer in Daily Dose, Headlines, News, Origination, Servicing, Uncategorized
CFPB Outlines Potential Changes to Consumer Complaint Database December 8, 2015 474 Views complaint database Consumer Financial Protection Bureau 2015-12-08 Seth Welborn Share in Data, Government, News The Consumer Financial Protection Bureau (CFPB)’s Consumer Complaint Database has generated much controversy since June when it began publishing narratives of complaints from consumers. So much so that CFPB Director Richard Cordray issued a rare public response to the criticisms in late November.This week, the CFPB’s Ombudsman Office issued its annual report for FY 2015 to Cordray outlining potential changes to the database. One of the items mentioned was a need for the normalization of data presented.“In our FY2014 Annual Report, we highlighted the concern from industry groups about the need for normalization of data in the public Consumer Complaint Database to provide context to the data and continued to hear this and related concerns in FY2015,” the Ombudsman stated. “This year, we provided feedback and suggestions to the CFPB regarding normalization of the data.On July 1, a week after the complaint narratives were published for the first time, the CFPB issued a request for information regarding the database. The Bureau published the request for information to determine whether there are ways to help the public more easily understand the information presented in the database and how consumers can compare the information the database contains. Comments were due on August 31, 2015; the Ombudsman’s Office noted in the report that it “looks forward to the Bureau’s review of the public submissions.”Issues regarding duplicate complaints and third-party consumer complaint submissions were also addressed in the Ombudsman’s report. The Ombudsman’s office stated in the report that it found out through individual inquiries that resulting complaints submitted by third parties on behalf of multiple consumers may contain inconsistent information when they are published.“As a result, the company that is the subject of the complaint may not recognize the consumer and/or the consumer may not be able to access the complaint. We highlighted this concern to the CFPB,” the report said. “As of this writing, we understand that the agency is beginning to address this issue and plans to update the form and instructions to address it further.”Also according to the Ombudsman’s report, the CFPB and companies are working together to prevent duplicate complaints from being published in the database and that in recent months the companies are taking more of a role in identifying duplicate complaints. The Ombudsman recommended that Consumer Response share an expanded definition of “duplicate complaint” on the Consumer Complaint Database website to include complaints that are from “the same person, same transaction, and same issue” and not just complaints that are simply verbatim copies of previous complaints. The purpose of expanding the definition of “duplicate complaint” is so database users can adjust their calculations and analyses accordingly, according to the report.The CFPB launched its Consumer Complaint Database in 2012, a year after the Bureau opened its doors, as a way to help consumers make informed and responsible decisions about financial transactions, and to ensure the transparent and efficient operations of markets for consumer financial products. In June 2015, the Bureau began publishing consumers’ narratives of complaints; some analysts and stakeholders in financial markets say that since the CFPB does not verify the allegations made in the complaints, in some cases the Bureau may just be offering up the biased opinions of disgruntled individuals for everyone to see.In late August, the National Association of Federal Credit Unions (NAFCU) aired its grievances with the database via a letter to the Bureau. In that letter, Kavitha Subramanian, Regulatory Affairs Counsel for NAFCU, wrote that his organization was “deeply concerned about the existing reputational and consumer privacy issues” presented by the current database. Subramanian said that the industry noted “a number” out of the 8,000 complaint narratives published in June for which personal information was not properly scrubbed. He also asserted in the letter that harmful reputational risks to financial institutions exist because there is no mechanism to validate a consumer’s comments in the database.Cordray, who seldom responds publicly to criticism of the Bureau, fired back at a report published in American Banker in late November titled “Errors About in CFPB’s Complaint Portal.” He responded via a letter to that publication’s editor on November 30.The CFPB’s Office of the Inspector General (OIG) in September released the results of an audit in which it analyzed more than a quarter of a million complaints in the Bureau’s database and found “several noticeable inaccuracies.” While the OIG said the number of complaints with inaccuracies it found was relatively small, “enhancing existing controls would help ensure that as the number and types of complaints published increase, overall reliability of the data is maintained.”In order to provide more context and insight to the complaints received, The Five Star Institute and Black Knight Financial Services released a report titled Analysis and Study of CFPB Consumer Complaint Data Related to Mortgage Servicing Activities in April. In the report, Black Knight and Five Star compared the Bureau’s two predominant mortgage complaint categories—servicing and default—with loan trends, and also included publicly available data from both the CFPB and mortgage servicers as reported from the CFPB database.Click here to view the CFPB Ombudsman’s complete report.Editor’s note: The Five Star Institute is the parent company of DS News and DSNews.com.
At the height of the financial crisis in 2008, there were some people who bought or invested in condos in New York City, believing those investments would pay off in the long run. It turns out, they were right, according to a report by PropertyShark.“Most homebuyers who acquired a piece of real estate back in 2008—especially in Brooklyn and Manhattan—managed to sell their assets for a profit in 2017,” the report states.PropertyShark looked at about 1,000 homes in New York City that were bought in 2008 and sold in 2017. From just sale prices alone, the report found that the median price of $500,000 in 2008 jumped to more than $677,000 last year. Adjusted for inflation, those properties would have sold for about $582,000 in 2008.“That’s still a decent profit,” the report stated, “but far from what investing in the stock market, for example, would’ve gotten you.”For context, the report found that $500,000 invested in Dow Jones stock in 2008 would have yielded $1.4 million by 2017.Still, the New York City real estate scene did show some notable growth over the decade since 2008. Brooklyn prices (median price $440,000 in 2008) increased 50 percent by 2017. That was the largest growth in the Five Boroughs. Manhattan (median price $850,000 in 2008) grew 25 percent, to $1.1 million median. Lower Manhattan, the Upper West Side, and an area in Harlem featured the largest increases during that time.Elsewhere in New York, about 230 homes purchased in Queens in 2008 (median: $219,000) sold for a 32 percent profit last year. Adjusted for inflation, though, the growth in Queens was about 10.5 percent over the decade.“The Long Island City ZIP area had the most expensive transactions and a median change of $285,000,” the report stated. The priciest sale in the borough was a unit at 509 48th Avenue, which changed hands for almost $2 million in 2017. That’s 70 percent more than the property sold for in 2008.The only borough to see values drop was Bronx. While median prices there did rise 4 percent over the decade (from $190,000 to $197,000), inflation over the decade effectively translated to an 11 percent drop in prices, the report found. in Daily Dose, Featured, journal, Market Studies, News Share Home Prices Investment Property new york city NYC PropertyShark 2018-05-14 David Wharton May 14, 2018 460 Views Home Investors’ Remorse or Delight in NYC?
Can You Afford It? HOUSING mortgage mortgage servicer Mr Cooper Originations Q3 earnings report 2018-11-08 Scott_Morgan in Daily Dose, Data, Foreclosure, News Share Though there are signs of the housing market leveling off, especially in more expensive metros, Q3 was yet another quarter marked by less affordability than the quarter that preceded it, according to the National Association of Home Builders (NAHB)/Wells Fargo Housing Opportunity Index.In fact, the report finds that a modest increase in interest rates and the generally consistent uptick in home prices—the U.S. median bumped from $265,000 to $268,000, a new high—kept housing affordability at a 10-year low in the third quarter. In real numbers, that translated into an almost full-point drop in affordability. According to the report, 56.4 percent of new and existing homes sold between the beginning of July and end of September were affordable to families earning the U.S. median income of $71,900.“This is down from the 57.1 percent of homes sold in the second quarter that were affordable to median-income earners and the lowest reading since mid-2008,” the report stated. “At the same time, average mortgage rates rose by a nominal 5 basis points in the third quarter to 4.72 percent from 4.67 percent in the second quarter.”And then there is the employment angle.“Continuing home price appreciation and rising interest rates coupled with persistent labor shortages are contributing to housing affordability concerns,” said NAHB Chairman Randy Noel. “Builders are increasingly focusing on managing home construction costs so that they do not outpace wage gains.”NAHB Chief Economist Robert Dietz said ongoing job and economic growth do provide a solid backdrop for housing demand amid recent declines in affordability, However, he said, “housing affordability will need to stabilize to keep forward momentum from diminishing as we move into the new year.”As for most affordable markets, Syracuse remained the most affordable major housing market in the country for the second straight quarter. There, 88.2 percent of all new and existing homes sold in the third quarter were affordable to families earning the area’s median income of $74,100, the report stated.Scranton-Wilkes Barre-Hazleton, Pa.; Indianapolis-Carmel-Anderson, Indiana; Youngstown-Warren-Boardman, Ohio-Pennsylvania; and Harrisburg-Carlisle, Pennsylvania. Rounded out the five most affordable major markets of the quarter.Kokomo, Ind., where 93.2 percent of homes sold in the third quarter were affordable to families earning the median income of $64,100, was the country’s most affordable small market. Elmira, New York; Fairbanks, Alaska; Cumberland, Maryland-West Virginia; and Springfield, Ohio, rounded out the five most affordable small metros in Q3.On the other end of the scale, and the country, California remained out of reach to most median buyers. San Francisco was the nation’s least affordable major market in Q3, for the fourth straight quarter, the report stated. A mere 6.4 percent of the homes sold in the third quarter in San Francisco were affordable to families earning the area’s median income of $116,400. Los Angeles,-Long Beach-Glendale; Anaheim-Santa Ana-Irvine; San Jose-Sunnyvale-Santa Clara; and San Diego-Carlsbad were the other top-five least affordable major metros in Q3.All five least affordable small housing markets were also in the Golden State. At the very bottom of the affordability chart was Santa Cruz-Watsonville, where 6.5 percent of all new and existing homes sold were affordable to families earning the area’s median income of $81,400.Other small markets at the lowest end of the affordability scale included Salinas; Napa; San Luis Obispo-Paso Robles-Arroyo Grande; and San Rafael, the report found. November 8, 2018 567 Views
Considered the tourism industry’s ‘Oscars for tour guides’, the Wanderlust World Guide Awards recognises the world’s best tour guides, as voted by Wanderlust magazine’s readers and a panel of judges.The 2017 awards, held on Friday at London’s Royal Geographical Society, have given Intrepid Travel cause for celebration this weekend, with the adventure travel company taking home a Gold and a Bronze.Khalid Lamlih, an Intrepid Travel leader who grew up in Morocco’s Atlas Mountains, clinched first place, receiving his Gold Award from legendary travel writer Bill Bryson; and Intrepid Leader Dinesh KC’s dedication to sharing his love for his native Nepal over the past decade was rewarded with the Bronze Award.Each year thousands of tour guides from around the world are nominated by their travel clients, making it a tough job for the winners to be chosen. Intrepid Travel’s local leaders have now been recognised with three Gold, one Silver, and three Bronze Awards as well as a one-off award for Outstanding Contribution across the 12 years of the awards. Leader training is a key focus for Intrepid. More than 150 tour guides were trained by the company last year, meaning the Intrepid Group now has more than 1000 tour guides leading trips around the world, with an average feedback score of 4.78 out of 5 from customers.“Being a tour leader is not just a job, it’s a vocation,” says James Thornton, CEO of the Intrepid Group. “It takes a pretty special person to not only bring a place to life, but to also bring a diverse group of people together. That’s why we’re thrilled that Khalid and Dinesh have been recognised not only by the judges, but by travellers.”IMAGE: Khalid Lamlih awardsIntrepid Travel
Eclipse Travelfamil Eclipse Travel’s Mauricio recently hosted a famil to Ecuador that included beautiful colonial Cuenca, and a five-day cruise on Treasure of Galapagos. Pictured with Mauricio at the Laguna Quilotoa in Ecuador are L-R Chelsey Secker (Angas Travel, SA), Bruna Tye (FlightCentre, NSW), Deryk Neighbour (Flight Centre, NSW).
What an MLB source said about the D-backs’ trade haul for Greinke When Steve Breaston opted to sign a free agent contract with the KansasCity Chiefs this past preseason, there was a lot of talk about the ArizonaCardinals needing to go out and sign a veteran receiver to flank LarryFitzgerald. Seemingly every day, there was a new name churning through the rumormill with a connection to the Cardinals. Braylon Edwards. MalcolmFloyd. Plaxico Burress. Terrell Owens. None of them were signed. Cardinals expect improving Murphy to contribute right away Top Stories D-backs president Derrick Hall: Franchise ‘still focused on Arizona’ Nevada officials reach out to D-backs on potential relocation Comments Share Instead, the Cardinals opted to stay with young receivers Andre Robertsand Early Doucet to do the job. Early on Roberts looked lost as theCards limped out to a 1-6 lead.But as the season has worn on, Roberts has looked more comfortableand confident, and that was evident on Sunday. The second-year man from The Citadel had 6 catches for 111 yards,including two catches for 30 yards on the Cardinals’ lone possession inovertime. He also drew a pass interference penalty in that drive andthrew a key block during LaRod Stephens-Howling’s game-winningtouchdown.The very fact that Fitzgerald is getting paid so much attention fromopposing defenses is finally helping Roberts and the Cardinals, whereasit was exploiting a weakness earlier in the year.“Larry on the other side being double and triple-teamed, even withdefensive linemen on him one time,” Roberts said. “Kevin looked to myside a little more this game.” His head coach noticed his contributions on the field as well.“He is blossoming in front of your eyes is what he is doing,” said abouthis young receiver. “You can see hisconfidencegrowing every week. He made a number of plays for us and went over100 yards receiving again. He has done that the last couple of weeks.”
That’s fair.While offense makes the highlight shows, the cliché“defense wins championships” is around for a reason. Afterall, ifpeople didn’t have old-school beliefs that sound smart butare notaccurate to hang onto, what would they have?A half-truth.Three of the last six Super Bowl winners did so with eliteoffenses, but the Packers, Saints and Colts would not havehoistedthe Lombardi Trophy had their defenses not improved to thepointwhere they could actually stop somebody. The Giants — whowontwice — earned their rings via excellent defense, and theSteelers, well, we’re not going to talk about them.The point? A football team can win a lot of games with a gooddefense or offense, but will not win a title unless theother sideof the ball is at least decent.As of right now the Cardinals are halfway to where theyneed to be. – / 42 D-backs president Derrick Hall: Franchise ‘still focused on Arizona’ What an MLB source said about the D-backs’ trade haul for Greinke Comments Share Most people believe that however the Arizona Cardinals’QBs go this year, so will the team.The idea makes sense, but it’s wrong.While the QB position is indeed the most importantposition in sports, the Arizona Cardinals will besuccessful in 2012 for one very simple reason.Or, rather, 11 or so simple reasons at a time.The defense.Through just more than a week of camp so far the Cards’defense has a decided advantage over the offense. Everyonefrom defensive end Calais Campbell to head coach KenWhisenhunt have said that can be expected early on. “It’s been that case, been that way a lot of times becausedefense is more reactionary where offense is more learningwhat you have to do and being in the right spots,”Whisenhunt said Thursday. “But it all ends up balancingitself out, hopefully.”It won’t. Arizona’s defense, which finished 18th in the NFL fortotal yards allowed, 17th in passing yards allowed and21st in rushing yards — while giving up 21.8 points pergame — is going to be good. Damn good. Ray Horton’s group has dominated training camp not becausethe offense is terrible (though that could very well be apossibility), but because it is easily the most talentedgroup on the team.Think about it: the defense boasts two players who havemade the Pro Bowl in Adrian Wilson and Darnell Dockett aswell as three more who will make it at some point in thenear future in Calais Campbell, Daryl Washington andPatrick Peterson. Add emerging players Sam Acho, DanWilliams and O’Brien Schofield as well as solid startersin Paris Lenon, William Gay and Kerry Rhodes, and you havea defense with far more depth than holes.This isn’t to say the Cardinals will have a top-10 defensethis year. Wait, yes it is. Nevada officials reach out to D-backs on potential relocation Talent has not been an issue on the defensive side of theball for a while, and in Horton the team finally has acoach who can get the most out of his players. We saw thedefense evolve from a confused group to a confident oneover the final nine games of the 2011 season — seven ofwhich the Cardinals won — by giving up an average of 18.3points per game. They had allowed an average of 26.14 points per contestover the previous seven. Improve much? Yes.Room to improve even further? Absolutely.For all the good the defense did in 2011, it created fewerturnovers than just five other NFL teams. That will have to change if the Cardinals are to go frombeing a solid defense to an elite one. If it does, theCardinals will not only make the playoffs, but be a threatto go deep into them. The good news is it will change as the team’s passrush improves (see Acho and Schoefield), leaving thetalented anddeep secondary (hello, Patrick Peterson) tocreate more turnovers. While Peterson would like to pick off more than the twopasses he did as a rookie, that’s not exactly his goal.“I want to get to the point where teams don’t even want tothrow my way,” he said. Top Stories Cardinals expect improving Murphy to contribute right away
What an MLB source said about the D-backs’ trade haul for Greinke Nevada officials reach out to D-backs on potential relocation “I can always progress every year, that’s my whole plan,” he said. “To be a better player, a better person every season, every year.”Not to say Washington, who has tallied 188 tackles, six sacks, three interceptions, nine passes defensed and one forced fumble in his career, will feel any extra pressure now that he’s in a different tax bracket.“There’s more of a challenge to go out there and play as well as they expect me to play,” he said. “But I expect that more of of myself.” The Cardinals were happy to oblige.“Two things that successful teams do consistently is build through the draft and keep their core players,” Cardinals general manager Rod Graves said in a press release. “Daryl has certainly lived up to the potential we all saw in him coming out of TCU in 2010 and he has established himself as one of the top young defensive players in the NFL. I know he feels, like we do, that his best football is still ahead of him and we’re thrilled that this deal gives him the opportunity to achieve that with the Cardinals.” A second-round pick out of TCU in 2010, Washington has established himself as a dynamic playmaker for a defense many expect to be one of the NFL’s best in 2012. Washington is the second high-profile defensive player to land a new contract this offseason, as the team already reached a new deal with Calais Campbell.“We are looking at really taking over the defense, and really showing the organization that we’re worth the pay and worth being a part of this organization,” Washington said. Washington is coming off a season in which he set career highs with 111 tackles, five sacks, 16 tackles for loss, two interceptions and seven passes defensed. While that performance helped land this new contract, the main reason for locking Washington up is the belief that the best is yet to come. The Arizona Cardinals locked up another key member of their defense.The team announced Thursday it has agreed to terms with linebacker Daryl Washington on a new six-year contract. It will keep the rising star in the Valley through the end of the 2017 season.As per team policy, the exact terms of the contract were not disclosed.“I feel really good, really good,” Washington said about the deal. Washington said he was hoping something would be agreed on before the season started, and he had told his agent he wanted to be a Cardinal for a “long time”. Comments Share Top Stories D-backs president Derrick Hall: Franchise ‘still focused on Arizona’ Cardinals expect improving Murphy to contribute right away
“We just got to continue to get some guys back healthy, continue to eliminate mistakes and we can be a good football team,” Whisenhunt told the Arizona Cardinals radio network after the final loss of the season.If only it was that simple, because it obviously is not.Every team has injuries and every player makes mistakes. But most teams don’t suffer the type of season-crippling losing streaks the Cardinals have. So now the Cardinals have some decisions to make, and they’re likely to be made by the time 2013 arrives. The direction the franchise chooses to go will have ramifications for many years to come.Keep Whisenhunt — on a one-year deal, no less — and risk losing defensive coordinator Ray Horton to another team. Also say goodbye to the likes of Dockett, Wells and probably Wilson. Part with the coach of the last six years, though, and take a risk that you can’t actually do better than the only man to ever lead the organization to the Super Bowl. Can the Cardinals do better than Whisenhunt? We don’t know the answer to that question.What we do know, however, is Whisenhunt has a 45-51 record in Arizona, and has compiled a mark of 18-30 in the three years since Kurt Warner retired. In that time not only have the Cardinals lost their fair share of games, but they’ve also lost considerable ground in the NFC West. The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo San Francisco? Better.Seattle? Better.St. Louis? Better. A common thread among the three teams who finished ahead of Arizona in division this season is that each hired a new coach in the time since the Cardinals last finished at the top. The Cardinals should not only take note, but also follow suit. – / 22 Top Stories Derrick Hall satisfied with D-backs’ buying and selling Former Cardinals kicker Phil Dawson retires Comments Share Ken Whisenhunt’s first game as the head coach of the Arizona Cardinals came in a loss to the 49ers in San Francisco. Did his final game with the club come with the same result against the same team in the same place?Arizona falling in its season finale by a score of 27-13 Sunday was in no way a surprise. Hell, the team finishing the season with a 5-11 mark isn’t that surprising, especially when you figure eight of 12 Arizona Sports 620 personalities pegged the Cardinals to finish with six or fewer wins this season. Six times since moving to Arizona have the Cardinals finished a season 5-11, and six more times have they finished a game or two worse than that. Yet, this 5-11 season feels worse than any of those.The 2012 Cardinals started the season with a 4-0 record. The 2012 Cardinals have a playoff-caliber defense.The 2012 Cardinals have talented players dotted all throughout the roster.None of that mattered.The 2012 Cardinals are as big of a mess as any previous iteration, with a league-worst offense and a handful of veteran leaders and key players finding their way into Whisenhunt’s doghouse.Adrian Wilson and Darnell Dockett both caught Whisenhunt’s ire this season for different reasons, as did John Skelton and Beanie Wells.Whether it was from mouthing off like Wells, ineffective play like Wilson and Skelton, or for whatever it was Dockett actually did in New York, the fact is the coach tried to send a message via his most important players.It didn’t work as the mistakes, poor play and losses continued.In fact, nothing Whisenhunt did this year worked, and it’s why the Cardinals, for the second time in three years, finished a season with just five wins, which just so happens to be, according to ESPN Stats & Info, a record in futility. Grace expects Greinke trade to have emotional impact
“He had complained about some tightness in his chest, jokingly, and we always like to give Freddie a hard time,” Palmer said after practice Thursday. “It was kind of funny at first, but it wasn’t very funny after (head athletic trainer Tom Reed) realized the situation and knew something was up, he took over and handled it. Everything, perfectly, and maybe saved his life.”Palmer said it all began just as the team was starting practice Tuesday, even admitting something just “didn’t seem right.”But, he added, Kitchens is a tough guy who never wants to miss a practice, and said they were all thinking the coach was suffering from dehydration or heat exhaustion, not a heart problem.“We had to have the trainers come over and look at him. Freddie’s lucky we have a phenomenal training staff because they knew exactly what to do.”Palmer said the staff knew exactly how to handle the situation. “They knew the personality of Freddie, being stubborn and being a tough guy and hardheaded, and they took over the situation and saved his life,” he said. So now Kitchens is in the hospital recovering, likely itching to get back to the team. Head coach Bruce Arians said Kitchens’ breathing is normal, and is “doing extremely well.” Top Stories Tuesday morning, during an Organized Team Activity, the Arizona Cardinals suffered a real scare.QB coach Freddie Kitchens was feeling some tightness in his chest, and after a while, ended up needing medical attention. He was taken to the hospital where a CT scan showed that he had a defect in his aorta that required surgery, which he had Tuesday night. At practice Thursday, quarterback Carson Palmer talked about what happened. 0 Comments Share The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Grace expects Greinke trade to have emotional impact In the meantime, assistant head coach/offense Tom Moore will fill in for Kitchens, but as Palmer said, football is pushed to the back of the list when something like this happens.“The first thing I think of is his wife Ginger, she was on the other side of the continent with their girls, and she had to fly in,” he said. “I can’t imagine how scared she was.“Obviously Freddie, he’s pretty tough, he wasn’t too scared going into open-heart surgery. But you start thinking about their families and just the chaos when your family is away from you and they don’t really know what’s going on; they know you’re being rushed to a hospital, being air-evaced out. It’s just scary.” – / 32 Former Cardinals kicker Phil Dawson retires Derrick Hall satisfied with D-backs’ buying and selling
The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo 0 Comments Share Top Stories If you’re a Cardinals fan, you should be gushing over this signing. The Cardinals got a player on a one-year deal who wants to prove he’s more than a one-year deal player. The Cardinals have a CB who’s been expected to shut down the number one receiver and play at an elite level. However, the Cardinals won’t need him to do that.It is a big deal what this does for the Cardinals’ defense. Many things will be written about what Todd Bowles can do with his new toy. Yes, that’s important. But to me, the bigger deal is Keim.The signing of Jared Veldheer is nice because he’s an above average, young left tackle. The contract for Veldheer is much bigger than just the signing. While other teams completely over-pay, Keim filled a need while getting value at the same time. Few GMs can pull off that double.Now, Keim gets a proven CB on a contract that forces Cromartie to prove it again. Keim wanted Cromartie but when Antonio didn’t sign, Keim talked with another CB. Cromartie didn’t get the offers he was looking for elsewhere. He also wanted to be a Cardinal and his agent knew it. Keim didn’t panic and pressured Cromartie at the same time. He completely read 31 other GMs correctly. Keim never negotiated against himself. Former Cardinals kicker Phil Dawson retires Derrick Hall satisfied with D-backs’ buying and selling We’ve always known athletes want to play in Phoenix. Now athletes want to play for Bruce Arians. Athletes love talking to a football player and Keim is that player. Steve Keim isn’t terribly far removed from his playing days. He speaks to the players the way they want to be spoken to. He’s not so old that he’s some suit in an office, but he’s experienced enough that his youthful mistakes are out of the way.He evaluates talent well. He negotiates well. He recruits well. He manages a staff well. What other criteria is left for a good GM?Seattle and San Francisco are still the class of the division. That doesn’t change until it’s proven on the field. Never forget, however, the Cardinals are only one season removed from their third straight year with a six-game losing streak. That was the last year of Steve Keim not in his current position as general manager. Since then, he’s 2-0 in offseasons. All morning I’m thinking nothing will take me away from college basketball. This is my time to do nothing but do what I love. Baseball and college basketball.Then the Cardinals strike. Antonio Cromartie and Patrick Peterson are in the same defensive backfield.It’s not just the signing that makes Steve Keim impressive as a GM, it’s the way he goes about it. Any GM could have thrown enough cash at Cromartie to get him to jump. Keim uses leverage and recruiting at the same time, which seems to be impossible. Grace expects Greinke trade to have emotional impact
Now that the Arizona Cardinals’ 2014 season is over, it’s time to reflect. Over the next ten days or so, we’ll look back at the Cardinals’ 11-win campaign, position by position.In 2013, Arizona’s running game, led by Rashard Mendenhall and rookie Andre Ellington, finished 23rd in the NFL with 1,540 yards gained. Mendenhall retired, Ellington’s role increased, others were brought in and the Cardinals took a step back in 2014, finishing 31st with just 1,308 yards. Former Cardinals kicker Phil Dawson retires Derrick Hall satisfied with D-backs’ buying and selling Comments Share ErrorOK ErrorOK Of course, it’s not as simple as saying the loss of Mendenhall was the difference, as plenty of other factors went into Arizona’s struggles on the ground. #38 Andre Ellington Grace expects Greinke trade to have emotional impact The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Top Stories
Top Stories Grace expects Greinke trade to have emotional impact It’s no secret pure speed is Nelson’s greatest selling point. At 5-foot-10 and 156 pounds he’s certainly slight of build, but that did not stop him from piling up impressive numbers while a UAB Blazer.He finished college tied for fifth all-time at UAB with 116 receptions, and ranked third in receiving yardage at 2,273. He averaged 19.6 yards per catch, and his 20 receiving touchdowns are tied for third-most in school history.But it’s his kick return skills that really jump off the page, as he averaged 38.7 yards per return and took four back for touchdowns in 2014.Nelson said returning was the focus in his first meeting with the Cardinals, and is confident he will be pretty good in that role.However, he wants to be more than just a return specialist.“I feel like I see myself as a kick returner as well as a receiver, because with my speed, I have the ability to go out and blow the top off of the defense,” he said. “There is a lot of stuff I need to clean up, my route running and catching the ball cleaner than I do.“I also feel like I’m really a dynamic receiver. I pretty much proved that at UAB. I feel like coming to Arizona that hopefully I can be able to compete for a wide receiver job as well as a special teams guy.” The precedent was set last year when 5-foot-10 speedster John Brown went from being a third-round pick by the Cardinals to one of the team’s most dynamic players. Perhaps it should come as no surprise, then, that Nelson compares himself to Brown and Washington receiver DeSean Jackson, who is also slight of build but very, very fast. “They go out every day undersized, but they don’t let any of that matter,” Nelson said. “They go out and do what they have to do and help their team be successful.” However, Nelson said he is trying to get bigger and stronger, adding that he would like to get up to at least 165 pounds, but ideally closer to 175 before the season begins. He feels like the extra weight would not hurt his speed at all, but instead help his explosiveness and power. A little more weight, he said, will help him out in the long run.And with Nelson, running is really what it’s all about. It’s why the Cardinals drafted him, and it will be why he sticks in the league. He’s certainly going to the right team, one with a need at returner but an offense that gets the most out of smaller, faster wideouts.Arizona is a team Nelson had his eye on, a place the Midfield, Alabama native was going to consider if he went through the weekend without being selected. Of course, it’s more fun actually being drafted. Comments Share TEMPE, Ariz. — What J.J. Nelson lacks in speed he more than makes up for in…ummm…no, wait. He doesn’t lack for speed. At all.Nelson was clocked at 4.28 seconds in the 40-yard dash at the NFL Scouting Combine, the fastest time of anyone in Indianapolis.“I ran a 4.28 at the combine, but I think I’m way faster than that,” Nelson said after the Arizona Cardinals selected him in the fifth-round of the 2015 NFL Draft, 159th overall. “It was 4.28, but I know I can get way lower than 4.28.” The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Derrick Hall satisfied with D-backs’ buying and selling “It was great,” he said of how he felt when he got the call. “A guy like me, coming from where I’m coming from, it really didn’t matter what round I went to. Just to go through this whole process and being able to get drafted to a great franchise like the Arizona Cardinals, it was really and truly a blessing. “Words can’t describe it. My family is happy for me; everyone in the city of Birmingham is just so happy for me right now,” he said. “I feel like everything planned out perfect. God had a plan for me.” – / 44 Former Cardinals kicker Phil Dawson retires
Arizona Cardinals free safety Tyrann Mathieu (32) intercepts a pass for a touchdown as San Francisco 49ers wide receiver Anquan Boldin (81) misses the catch during the first half of an NFL football game, Sunday, Sept. 27, 2015, in Glendale, Ariz. (AP Photo/Rick Scuteri) Former Cardinals kicker Phil Dawson retires Derrick Hall satisfied with D-backs’ buying and selling Arizona Cardinals All-Pro defender Tyrann Mathieu has revolutionized the hybrid defensive back position.Mathieu is one of the most valuable defenders in the NFL, making him irreplaceable, according to NFL.com’s Adam Schien who listed the top nine indispensable defenders.He’s the firepower, the attitude, the game changer for the nasty Cardinals’ defense. Mathieu is a true ballhawk. He’s a fierce and reliable tackler. He defends passes. Mathieu can line up as a safety or a corner. He’s a jack of all trades. And he alters what opposing offenses are trying to accomplish.You saw last year how the Cardinals’ defense was affected when Mathieu went down with a season-ending knee injury. My man Bucky Brooks pointed out the difference — 12-2 record, 19.2 points allowed per game with Mathieu; 2-2 record (including two playoff games), 28.2 points allowed without him — in a recent piece on the defensive back.For the Cardinals to reach their full championship potential in 2016, they need the Honey Badger back in action.Other members on Schien’s list include: J.J. Watt, Khalil Mack, Luke Keuchly, Von Miller, Fletcher Cox, Ndamukong Suh, Earl Thomas and Muhammad Wilkerson. The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Despite having his season cut short, Mathieu was still named to the first-team All-Pro and was named a Pro Bowler for the first time in his career.Mathieu racked up 89 tackles, five interceptions (one returned for a touchdown), 17 passes defended, 11 tackles for loss and a forced fumble in 14 games last season before tearing his ACL for the second time.Mathieu tore his left ACL in 2013 and his right ACL last year. 0 Comments Share Top Stories Grace expects Greinke trade to have emotional impact
Top Stories Grace expects Greinke trade to have emotional impact “Just really got to get back to my roots, tune out all the noise and just really focus on myself and getting better each and every day.”Mathieu is not referring to anything specific, though no doubt he hears when people doubt his ability to stay healthy and question how his contract fits with the franchise going forward.“Sometimes you don’t perform up to expectations, people judge you, people critique you,” he said. “Sometimes in life, you hit road bumps; people act like they’ve never hit road bumps so it’s just really important to quiet the noise, focus on yourself and just get better.”That does not mean Mathieu plans on playing with any less fire or emotion, mind you, but instead will ignore what is said and written off of the field.While many players say they do not read press clippings or listen to sports radio, he smiled and said most of them are lying.Mathieu admitted the doubters, of which there weren’t many as recently as a year ago, “absolutely” motivate him, though he will not let their questioning of him dictate how he proceeds.“I don’t want to have any expectations,” he said. “I know some people may have high expectations of me, some people may be very critical of me. Derrick Hall satisfied with D-backs’ buying and selling TEMPE, Ariz. — Not long ago, Tyrann Mathieu was an impact player for the Arizona Cardinals, a defensive back who flew around the field while filling a variety of roles.He was so important, in fact, that the Cardinals signed him to a five-year contract extension that at the time made him the highest paid safety in the league, even though he had not yet played a down following his second torn ACL in three NFL seasons. “But I think it’s important to just focus on myself and believe in myself.”Follow Adam Green on Twitter – / 20 The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo If the Cardinals are to be the best version of themselves in 2017, a healthy Mathieu will be a big reason as to why. He is, after all, a uniquely talented and dynamic player.“That’d be it, stay healthy,” Cardinals coach Bruce Arians said of what Mathieu must do, before remembering 2015. “The season he was (having), he had a chance to be Defensive Player of the Year, but you’ve got to finish it out.”Mathieu cannot finish without starting, and he hopes Tuesday was the beginning.That said, the 25-year-old said he is not setting any goals for himself for the upcoming season, and instead wants to win each day.“At times we tend to get ahead of ourselves,” he said. “I just want to own the day, attack the day, think about the day; not worry about any expectations I may have in September.”Week 1 is nearly four months away, and plenty can happen between now and then.One thing Mathieu said must happen is the rebuilding of his confidence, which understandably took a hit last season as he battled injuries and inconsistency.For a player like him, a lack of confidence can be devastating.“Ever since I was a kid my game was pretty much built on confidence,” he admitted. “Being confident in myself, believing in myself. DB Tyrann Mathieu goes through a drill during an OTA practice May 16. (Photo by Adam Green/Arizona Sports) Comments Share Former Cardinals kicker Phil Dawson retires Though he had battled injuries, no one seemed to doubt his ability or future with the team.Then the 2016 season happened.Mathieu made it back on the field for Week 1, but was hardly himself before a shoulder injury in Week 8 caused him to miss six of the final eight games. He finished the year with just 36 total tackles, one sack, one interception and three passes defensed.With an offseason to get healthy, the fifth-year pro took part in the first practice of organized team activities Tuesday, and not surprisingly, Mathieu said he really enjoyed the practice.“It’s just exciting to get back out there, especially with how last year, how it ended up playing out,” he said. “Just a good feeling to be healthy again and just back out there on a football field 100 percent.”The trick with the 5-foot-9, 186-pound Mathieu is that when healthy, he is one of the NFL’s premier defensive players. A safety who can drop back into coverage and be a force in the box, he was voted by his peers as the No. 28 player in the NFL following the 2015 season.In 14 games before tearing his ACL that year, he amassed 89 tackles, one sack, five interceptions, 16 passes defensed and one forced fumble while earning first Pro Bowl nod.
(AP Photos) Top Stories Wilks said the pair hasn’t responded poorly to the lack of playing time.“Those guys are responding well,” Wilks said. “They haven’t wavered from their approach and how they try to prepare and practice. We’ve got to find ways as coaches to be able to continue to coach and connect with them and get them out there on the field. But their responsibility is to go out there and execute their assignments. So it’s hand-in-hand.” Bucannon saw only one snap on defense on Sunday and 20 on special teams. For Reddick, those numbers were four and 12, respectively.Bucannon’s one defensive snap is down from 25 (34.7 percent) the previous week and 79 (100 percent) in Week 1. Reddick saw 14 defensive snaps (17.7 percent) in Week 1, then three (4.2 percent) in Week 2.Related LinksCardinals defense finding legs but not enough to beat BearsArizona Cardinals name rookie Josh Rosen starting quarterbackBradford’s first-quarter tease gave Cardinals’ Rosen no margin for error“Those guys have got to show me that they deserve the right to be on the field,” Wilks said. “It’s nothing to the standpoint of favorites or taking things personal. I want those guys out there. They’re first-round draft picks. I want them to be on the football field, they have a great skill set. But again, I’m going to play the guys that have shown that they’re ready to play.”Bucannon was selected 27th overall by the Cardinals in 2014 and has started 51 games (60 appearances) since then. Last year, Bucannon played in 12 games and had a pick-six to go with three passes defensed, two forced fumbles and 82 tackles. The Cardinals took Reddick 13th overall in 2017 and has since appeared in 19 NFL games with three starts. He had two forced fumbles in 2017 to go with 2.5 sacks and 32 tackles. 11 Comments Share Grace expects Greinke trade to have emotional impact The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Former Cardinals kicker Phil Dawson retires Derrick Hall satisfied with D-backs’ buying and selling Arizona Cardinals head coach Steve Wilks said he wants to put the best 11 players on the field.There’s impeccable logic in that. But those who watched the Cardinals play the Bears on Sunday — and suffer a 16-14 defeat — may still wonder: Why weren’t first-round picks Deone Bucannon and Haason Reddick on the field more for Arizona’s defense?“I have an open communication policy,” Wilks said when asked about that matter by Bickley & Marotta on 98.7 FM Arizona’s Sports Station. “I want guys to be able to come talk to me about certain things, and they do. And I’ll be honest with those guys and tell them, we’re going to play the best 11. And right now, that’s what I’m doing.”
Derrick Hall satisfied with D-backs’ buying and selling Coming into the 2019 NFL free agency period, the Cardinals had a lot of holes that needed to be filled. Fast forward a couple of weeks, and most of those vacancies looked to be taken care of.The team used this period to sign players such as inside linebacker Jordan Hicks, outside linebacker Terrell Suggs and guard J.R. Sweezy, all of whom look to be upgrades upon last year’s squad.According to ESPN, though, none of these acquisitions were as important as their signing of cornerback Robert Alford, which they named as the Cardinals’ most impactful move of the offseason. Former Cardinals kicker Phil Dawson retires Grace expects Greinke trade to have emotional impact The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo 29 Comments Share Atlanta Falcons’ Robert Alford celebrates after scoring a touchdown during the first half of the NFL Super Bowl 51 football game against the New England Patriots, Sunday, Feb. 5, 2017, in Houston. (AP Photo/Elise Amendola) Signing Robert Alford fills a significant void opposite Patrick Peterson at cornerback, which has been a position of concern for the past few seasons. Alford stops a carousel of corners since Jerraud Powers retired almost two years ago, at least for the time being. While Alford might not end up being the long-term answer at the position, he will provide the Cardinals a solution for this season and potentially in 2020.Related LinksArizona Cardinals sign former Falcons CB Robert AlfordPFF: Could Cardinals draft Kyler Murray, keep Josh Rosen for QB battle?Arizona Sports NFL Mock Draft Tracker: Who’s next for the Cards at No. 1?The Alford signing might be the move that filled the biggest need, as the Cardinals have struggled to find a consistent running mate opposite Peterson ever since he came into the league eight years ago. Last season, they used three different players at the second cornerback spot (Jamar Taylor, Bene Benwikere and David Amerson), all of whom were less than impressive in their time as starters.Alford was a consistent presence in the Falcons’ secondary over the past six seasons, and the Cardinals will look for him to be a stabilizing presence for them as well. As mentioned in the ESPN article, the 30-year-old Alford may not be a long-term answer, but he should be able to provide some solid production for this season and next. Top Stories