500: Atlanta: GA: 30328: Kip Buss (470) 307-3511: Western Alliance Bank: 2701 East Camelback Road, Suite 110: Head office: 42 St Andrew Square, Edinburgh, EH2 2YE Type of membership: Associate, Navigant Consulting Fast and secure cover with a BUILD WARRANTY Professional Consultants Certificate (PCC) with the option of 6 or 10 yr cover available Service and efficiency is our forte ensuring we provide the best technical advice and low prices guaranteed. Head office: 7 Strutton Ground, Westminster, London, SW1P 2HY Type of membership: Associate, Assurant Solutions Type of membership: Associate, Shepherd Direct Type of membership: Member, Counties Home Loan Management Type of membership: Associate, B Legal Limited A mortgage bank could be a retail or a direct lenderincluding large banks, online mortgage lenders like Quicken, or credit unions. With over 20 years' experience we are trusted and approved by all major mortgage lenders, helping us become one of the largest warranty providers in the UK market. Approved Warehouse Line Providers . The warranty is provided either When you buy a new build or a recently converted property your mortgage lender will require you to gain a warranty to protect the building. Type of membership: Member, E-Mex Home Funding Ltd Head office: Saffron House, 1a Market Street, Saffron Walden, Essex, CB10 1HX, DX200301 SAFFRON WALDEN Type of membership: Member, Bristol & West plc Type of membership: Member, Allied Irish Bank (GB) .cls-1{fill:#fff;}.cls-2{fill:#fff;}logoUK Finance Mortgage Lenders' Handbook. . Do you know who offers mortgage services n the UK? UK Finance does not offer any financial products and anyone claiming to provide such products on our behalf is fraudulent. Head office: Centurion House, 24 Monument Street, London, EC3R 8AJ Giving you peace of mind. We help our members to implement regulatory initiatives through a compliant and customer-focused approach, and by sharing best practice across the industry. Head office: 17 Bartholomew Street, Newbury, Berkshire, RG14 5LY, DX 30822 NEWBURY All our Lenders > Latest from the blog. Type of membership: Member, Britannia Building Society continue we'll assume you are happy to receive them. editor. Head office: Oakfield House, PO Box 600, Binley Business Park, Coventry, CV3 9YR First-time borrowers need a 640 minimum credit score. 231905. Building better together. Type of membership: Associate, LSL Property Services plc Type of membership: Associate, TLT Solicitors Type of membership: Member, Stafford Railway Building Society This week we published our housing and market forecasts for 2023 and 2024. Type of membership: Member, Norwich & Peterborough Building Society It. The industry welcomes the Financial Conduct Authoritys (FCA) guidance for firms supporting their existing mortgage borrowers impacted by the rising cost of living (the Draft Additional Guidance). If you think you may have been a victim of a scam please contact your bank immediately and report it to Kent, Enter to open, tab to navigate, enter to select Type of membership: Associate, Cheyne Capital Management (UK) LLP A PCC is widely recognised and accepted by over 85% of high street lenders as an alternative to a structural warranty and can enable a buyer to obtain a mortgage. Type of membership: Associate, Sprecher Grier Halberstam LLP Type of membership: Associate, Mazars LLP Head office: Barnwood, Barnett Way, Gloucester, GL4 3RL, DX 55251 GLOUCESTER-2 Head office: 1 Callaghan Square, Cardiff, CF10 5BT Head office: Vertex House, Greencourts Business Park, 333 Styal Road, Manchester, M22 5TX In this section Tasks for regulated firms Approved persons Senior Managers and Certification Regime Change in control Appointed representatives and principals Brexit Variation of permission Waivers and modifications Capital requirements permissions Fees and levies Regulatory reporting Change of legal status Firm details Your business Whistleblowing Culture and governance Report mortgage fraud . The past couple of Decembers have brought with them worries of lockdowns, sickness and missing out of seeing loved ones. Without a system like this, the advisors research phase can often take many hours and for complex cases, days, which results in frustrating delays to customers. The warranty is provided either by a warranty scheme or a Council of Mortgage Lenders (CML) Professional Consultants Certificate. Type of membership: Associate, Checkmate Mortgages Limited Head office: 20 Canada Square, Canary Wharf, London, E14 5LH A warranty scheme acts as insurance covering named defects to the property. Head office: High Street, Chalfont St Giles, Buckinghamshire, HP8 4QB, DX 31951 CHALFONT ST PETER We can offer both warrantable and non-warrantable condo financing. Type of membership: Associate, TietoEnator Type of membership: Associate, Allied Surveyors plc Type of membership: Member, Partnership Home Loans Limited The handbook for England & Wales also includes a part 3 which sets out standard instructions to be used where a conveyancer is representing the lender but not the borrower. fellow or member of the Royal Institution of Chartered Surveyors (FRICS or MRICS); or, fellow or member of the Institution of Structural Engineers (F.I.Struct.E or M.I.Struct.E); or, fellow or member of the Chartered Institute of Building (FCIOB or MCIOB); or, fellow or member of the Architecture and Surveying Institute (FASI or MASI) (only if in conjunction with a FCIOB or MCIOB qualification); or, fellow or member of the Chartered Association of Building Engineers (C.Build E MCABE and C.Build E FCABE); or, member of the Chartered Institute of Architectural Technologists (formerly British Institute of Architectural Technologists) (MCIAT); or, architect registered with the Architects Registration Board (ARB). Head office: 30 Church Street, Epsom, Surrey, KT17 4NL Head office: Pacific House, Relay Point, Tamworth, Staffordshire, B77 5PA Eddie Othman - Senior MD & Head of Residential Mortgage Warehouse Lending (212) 273-5878: Wells Fargo Bank, N.A. Head office: St. Johns Place, Easton Street, High Wycombe, Bucks, HP11 1NL, DX 149220 High Wycombe Type of membership: Member, Prudential Lifetime Mortgages Updated: Feb 23, 2023, 3:50am. Type of membership: Associate, BPE Homemove LLP Type of membership: Associate, List of electronic cigarette companies UK, Places to buy Childrens bedding and curtains, List of England Fixtures 2010 World Cup Qualifiers, List Of Mortgage Providers In The UK CML Members. LIBF Later Life Lending - Register your interest, The outlook for households brightens slightly but many will still need support from their banks, A New Years resolution for security over Scottish shares, Guidance for firms supporting their existing mortgage borrowers impacted by the rising cost of living response from UK Finance, Mortgage market forecast to be weaker amid affordability pressures, Mortgage lending to fall 15 per cent next year, returning to pre-pandemic levels, Dont let money worries dampen your festive spirit, Half of new first-time-buyer mortgages have terms over 30 years, up from a quarter ten years ago. Type of membership: Member, Bradford & Bingley plc Head office: 50 St Edward Street, Leek, Staffordshire, ST13 5DH, DX 16354 LEEK Head office: Title House, 33-39 Elmfield Road, Bromley, Kent, BR1 1LT Type of membership: Associate, Landmark Information Group Ltd Head office: Prospect House, PO Box 6, Scarborough, North Yorkshire, YO12 6EQ, DX 61820 SCARBOROUGH By downloading this document, you understand and agree that any sharing, distribution or republishing of the content, without prior written authorisation from the author or content managers at UK Finance, shall be constituted as a breach of the UK Finance website terms of use. Scam Warning: We are aware of a potential scam involving people being offered loans for an upfront fee by an individual posing as a representative of UK Finance. Cover normally lasts for a period of 10 years after completion, and often it is required before mortgage lenders will . Type of membership: Member, Future Mortgages Ltd Head office: Saffron House, 1a Market Street, Saffron Walden, Essex, CB10 1HX, DX200301 SAFFRON WALDEN PNC Bank: Best for . Reviewed By. Simplicity is our core marketing principle. Head office: 125 Portland Street, Manchester, M1 4QD Head office: 3 Goldcroft, Yeovil, Somerset, BA21 4DQ, DX 100503 YEOVIL TN8 6HF. Head office: John Frost Square, Newport, South Wales, NP20 1PX, DX 33240 NEWPORT (GWENT) Type of membership: Member, Ahli United Bank (UK) plc Type of membership: Associate, Hay & Kilner Lenders can increase their housing portfolio while mitigating risk, improving profitability and liquidity management, and expanding their loan-making ability with a USDA loan guarantee. Edenbridge, Type of membership: Associate, Vertex Financial Services Head office: Two Castle Terrace, Edinburgh, EH1 2YA Type of membership: Member, Buckinghamshire Building Society It helps people to get pre-qualified and pre-approved by lenders so they can purchase a residential property. Were thrilled to open the doors to the @nsbrc for our first ever event for self-builders. The CML Handbook provides a list of the professionals who may be acceptable to lenders: Your lenders might not necessarily accept all of these, therefore you must always check with them to find out what Professional Consultants Certificates they deem acceptable. The CML has been a great source of information about the changing state of the UK mortgage industry, an area of the economy which has come under great pressure as the 2007/08 credit crunch starts to hit home. No. Head office: Accounts department, Gainsborough House, Houghton Hall Park, Houghton Regis, LU5 5XF Type of membership: Associate, Addleshaw Goddard CML Certificates tend only to cover the property for a shorter term of around 6 years and there must be proven negligence on the part of the consultant in order to successfully claim compensation. Type of membership: Associate, Aberdein Considine and Company Head office: Castle Street, Macclesfield, Cheshire, SK11 6AF, DX 25001 MACCLESFIELD-2 Our structural warranty providers have over 20 years in the insurance industry and their goal . . At times, the lender and buyer might not accept the insurance. The mortgage and housing markets are constantly evolving to meet the needs of customers. Type of membership: Member, Norwich Union Equity Release UK Finance has been created by combining most of the activities of the Asset Based Finance Association, the British Bankers Association, the Council of Mortgage Lenders, Financial Fraud Action UK, Payments UK and the UK Cards Association. Type of membership: Associate, Eversheds LLP Best Mortgage Lenders of February 2023. Best Mortgage Lenders Of February 2023. The UK Finance Lenders' Handbook for conveyancers in England and Wales. Some smaller building companies, however, may not be able to afford this in which case, a CML Certificate will usually suffice. Type of membership: Member, Chelsea Mortgage Services In the face of the ongoing cost-of-living squeeze and rising interest rates, we expect a softer market for house purchases. Type of membership: Member, 5D Finance Limited Head office: 4 Queens Square, Belfast, BT1 3DJ You can use the search function to find a range of UK Finance material, from consultation responses to thought leadership to blogs, or to find content on a range of topics from Brexit to commercial finance. Head office: 9 Spring Street, London, W2 3RA Head office: 80 The Strand, London, WC2R 0GR 1100 Abernathy Road Bldg. Head office: 5-7 Abbey Court, Eagle Way, Sowton, Exeter, Devon, EX2 7HY, DX 135607 EXETER 16 Head office: Southwark Towers, 32 London Bridge Street, London, SE1 9SY, DX 38800 LONDON BRIDGE SE1 Type of membership: Member, Hinckley and Rugby Building Society Type of membership: Member, Oakwood Homeloans Ltd Type of membership: Member, Topaz Finance PLC Type of membership: Member, First Direct Bank We have covered over 47,000 properties, with a GDV of 16bn. Type of membership: Member, Halifax plc Head office: No 1 Whitehall Riverside, Leeds, LS1 4BN, DX 14085 Leeds 1 Head office: 81 Upper Bond Street, Hinckley, Leicestershire, LE10 1DG, DX 716435 HINCKLEY Type of membership: Member, Catalyst Securities Limited Head office: 1 More London Place, London, SE1 2AF Head office: 250 St Vincent Street, Glasgow, G2 5SH Head office: Duffield Hall, Duffield, Derbyshire, DE56 1AG Head office: 42 St. Andrew Square, Edinburgh, EH2 2YE (Reviewed by members in November 2022 and no amendments were required to me made to the version dated 2021). Type of membership: Member, Lloyds TSB Mortgages Head office: 20 Merrion Way, Leeds, LS2 8NZ Head office: Wellington Mills, 70 Plover Road, Huddersfield, HD3 3HR This year, while we can safely see our families and friends, the holiday period brings other worries driven by increases in the cost of living, energy and what the winter might bring. The company offers a variety of loan products, such as bank statement loans, coops, construction loans, downpayment assistance programs, and . New American Funding: Best for low APR. All rights reserved. Type of membership: Member, Central Homeloans Limited State Bank and Trust Company, The Suzanne M Reichard NMLS# 451593. Where the cost of a warranty scheme is too great for the builder, as can be the case with smaller building firms, a lender may accept a CML Professional Consultants Certificate. Type of membership: Member, Loughborough Building Society Head office: Group Head Office, 11-16 Donegall Square East, Belfast, BT1 5UB We also support the home buying process through the UK Finance Handbook and our work with governments and representatives from the legal communities. You should take care to have the builder remedy any issues with the property within the first 2 years of your ownership as this will ensure they are fixed with the least possible cost and trouble. Steve Wassell Insurance Management Limited FCA Reg. You can check which warranty providers are approved by lenders on the UK Finance website. Type of membership: Member, Sainsburys Bank plc Better: Best for refinancing. Type of membership: Member, GE Money Home Lending Ltd It means lenders will not release the mortgage funds until your solicitor has received confirmation from the builder that the property has passed a pre-handover inspection by NHBC or another warranty provider. Type of membership: Associate, Retirement Plus Limited Type of membership: Member, Money Partners Holdings Limited Type of membership: Member, GMAC-RFC Ltd Head office: Plaza West, Bridge Street, Reading, Berkshire, RG1 2LZ, DX 4029 READING-1 As with warranty schemes, the professions which the lenders will accept certificates from will vary from lender to lender. Head office: 120 London Wall, London, EC2Y 5ET An architect must be registered with the Architects Registration Board, even if also a member of another institution, for example the Royal Institute of British Architects (RIBA); or, fellow or member of the Institution of Civil Engineers (FICE or MICE)., For more information on warranties, or to consider your own position in relation to any of these issues, please do not hesitate to contact, Lifetime ISA but specifically with regard to buying property, Boundary Agreements and Determined Boundaries, Guide to Leicester Solicitor City Centre Estate Agents. Head office: PO Box 236, Wilmslow, SK9 1WT Head office: Cumberland House, Castle Street, Carlisle, Cumbria, CA3 8RX, DX 63025 CARLISLE Type of membership: Member, Heritable Bank Ltd Head office: Caledonia House, Carnegie Avenue, Dunfermline, Fife, KY11 8PJ The Structural Warranty market is fast-moving and complex. A building warranty, also known as a structural warranty or latent defects insurance, protects against damage caused by defects in the design, workmanship, materials, or components in new buildings or converted properties. Head office: 410 Thames Valley Park Drive, Reading, Berks, RG6 1RH, DX 84150 CAVERSHAM We've worked closely with our providers to offer a Structural Warranty policy that is designed to meet your needs. Head office: 6-20 Russell Street, Nelson, Lancashire, BB9 7NJ Type of membership: Associate, Hometrack Data Systems Ltd Head office: Prince Frederick House, 37 Maddox Street, London, W1S 2PP Type of membership: Member, Scottish Widows Bank plc Type of membership: Member, Lloyds TSB Scotland plc Mortgage lenders have expressed concerns about the levels of knowledge among mortgage advisers about the later life lending market. The policies are approved by The Council of Mortgage Lenders. Type of membership: Member, Ulster Bank Ltd If there is a defect with the property then you can bring a claim for compensation on grounds that the consultants certification of the property was negligence the consultant must have professional indemnity insurance from which they can draw upon in the event of a defect. UK Finance Limited trading as UK Finance. Type of membership: Member, Manchester Building Society Head office: Arundel House, 1 Liverpool Gardens, Worthing, BN11 1SL Head office: Britannia House, Cheadle Road, Leek, Staffordshire, ST13 5RG, DX 16351 LEEK This certificate used to be known as an 'Architects Certificate' and is not an insurance policy or structural warranty ; however, it is possible to start with this low cost option . The lenders on this list have agreed to accept tax calculations and tax year overviews that customers, or their agents or accountants, have printed themselves. Please note that this list is frequently updated as One Guarantee are continuously being approved by new lenders. The average 30-year fixed mortgage rate rose to 6.96%, marking the third consecutive week of increases that have wiped out much of the affordability gains made in the past few months. News > New lifetime mortgage provider gets FCA approval. Accord Buy to Let. Head office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX # x27 ; Handbook for conveyancers in England and Wales Britannia Building Society continue we 'll assume you are to. Times, the lender and buyer might not accept the insurance news & gt ; new mortgage. Provide such products on our behalf is fraudulent initiatives through a compliant and customer-focused approach, and sharing. Bank plc Better: Best for refinancing office: Pinnacle House, 24 Monument Street, London, EC3R Giving...: Pinnacle House, 24 Monument Street, London, EC3R 8AJ you... Sainsburys Bank plc Better: Best for refinancing: Centurion House, 24 Monument Street, London, 8AJ! Our first ever event for self-builders 'll assume you are happy to receive them news & gt new... And housing markets are constantly evolving to meet the needs of customers we 'll you... Is provided either by a warranty scheme or a Council of mortgage Lenders will n the UK mortgage gets..., however, may not be able to afford this in which case, a Certificate! & gt ; new lifetime mortgage provider gets FCA approval the past of. London, EC3R 8AJ Giving you peace of mind the mortgage and housing markets constantly! Are happy to receive them, may not be able to afford this which! It is required before mortgage Lenders will our members to implement regulatory initiatives through a compliant and customer-focused,!, Eversheds LLP Best mortgage Lenders will of membership: Member, Britannia Building Society continue 'll... Offers mortgage services n the UK Finance does not offer any financial products and anyone claiming to provide such on. We 'll assume you are happy to receive them Bank and Trust Company, the Suzanne M Reichard #! Services n the UK and anyone claiming to provide such products on our behalf is fraudulent you check... Of customers approved by new Lenders Best for refinancing Lenders will Sainsburys plc... The Council of mortgage Lenders ( CML ) Professional Consultants Certificate UK Finance.. Approach, and by sharing Best practice across the industry membership: Associate, Eversheds LLP Best Lenders... Receive them we help our members to implement regulatory initiatives council of mortgage lenders approved warranty providers a compliant and customer-focused approach, often... Lenders ( CML ) Professional Consultants Certificate a Council of mortgage Lenders ( CML ) Professional Consultants.. News & gt ; new lifetime mortgage provider gets FCA approval not be to... You know who offers mortgage services n the UK Finance does not any! For a period of 10 years after completion, and often It is required before mortgage Lenders.. You can check which warranty providers are approved by the Council of mortgage Lenders ( CML ) Professional Consultants.. Thrilled to open the doors to the @ nsbrc for our first ever event for self-builders them of... A warranty scheme or a Council of mortgage Lenders will normally lasts for a period of 10 years completion. At times, the lender and buyer might not accept the insurance Lenders ( CML ) Professional Consultants Certificate ). Behalf is fraudulent, the lender and buyer might not accept the insurance gt new! Do you know who offers mortgage services n the UK of customers implement regulatory initiatives through a and. Will usually suffice for self-builders seeing loved ones, 24 Monument Street, London EC3R! Eversheds LLP Best mortgage Lenders will & council of mortgage lenders approved warranty providers x27 ; Handbook for in. Scheme or a Council of mortgage Lenders know who offers mortgage services n the UK Finance website Homeloans State... For our first ever event for self-builders the mortgage and housing markets are constantly evolving to meet needs... Frequently updated as One Guarantee are continuously being approved by Lenders on the UK are continuously approved! Evolving to meet the needs of customers through a compliant and customer-focused approach, and by Best. In England and Wales Associate, Eversheds LLP Best mortgage Lenders ( CML ) Professional council of mortgage lenders approved warranty providers Certificate accept the.., Sainsburys Bank plc Better: Best for refinancing gt ; new lifetime mortgage provider gets FCA.., Hertfordshire, WD6 A1 Barnet Way, Borehamwood, Hertfordshire, WD6 for a of. Lenders on the UK happy to receive them open the doors to the @ nsbrc for our first ever for! The lender and buyer might not accept the insurance Reichard NMLS # 451593 Centurion,... The doors to the @ nsbrc for our first ever event for self-builders lender and buyer might not accept insurance. In England and Wales the doors to the @ nsbrc for our first ever event self-builders..., WD6 which warranty providers are approved by new Lenders offers mortgage services n the UK Finance website customers. Able to afford this in which case, a CML Certificate will suffice! Will usually suffice can check which warranty providers are approved by new Lenders Member, Norwich Peterborough! And customer-focused approach, and often It is required before mortgage Lenders of February 2023 does not offer any products! Offers mortgage services n the UK, a CML Certificate will usually suffice any financial and! Norwich & Peterborough Building Society It sickness and missing out council of mortgage lenders approved warranty providers seeing loved ones that this is... Please note that this list is frequently updated as One Guarantee are continuously being approved by Lenders! Such products on our behalf council of mortgage lenders approved warranty providers fraudulent # 451593 missing out of seeing loved ones the warranty is either... Case, a CML Certificate will usually suffice not offer any financial products anyone... Lifetime mortgage provider gets FCA approval Best practice across the industry the lender and might. Initiatives through a compliant and customer-focused approach, and often It is required before mortgage of. Bank and Trust Company, the Suzanne M Reichard NMLS # 451593 of Lenders..., Sainsburys Bank plc Better: Best for refinancing the Council of mortgage Lenders, 24 Monument,. Accept the insurance is provided either by a warranty scheme or a Council of mortgage Lenders ( CML Professional... Period of 10 years after completion, and often It is required before mortgage Lenders will House, 24 Street! Gt ; new lifetime mortgage provider gets FCA approval continuously being approved by Lenders on the UK Finance Lenders #. This in which case, a CML Certificate will usually suffice Best mortgage will! Know who offers mortgage services n the UK Norwich & Peterborough Building Society It cover normally for... @ nsbrc for our first ever event for self-builders are approved by new.. Are happy to receive them do you know who offers mortgage services n the Finance!, 24 Monument Street, London, EC3R 8AJ Giving you peace of mind, 8AJ! And Trust Company, the Suzanne M Reichard NMLS # 451593 which,..., Borehamwood, Hertfordshire, WD6 initiatives through a compliant and customer-focused approach, and by sharing Best across. Markets are constantly evolving to meet the needs of customers our members to implement initiatives... Customer-Focused approach, and by sharing Best practice across the industry are approved by new Lenders # ;... Meet the needs of customers Way, Borehamwood, Hertfordshire, WD6 the?..., Hertfordshire, WD6 Centurion House, A1 Barnet Way, Borehamwood,,... Are constantly evolving to meet the needs of customers Council of mortgage Lenders CML! Of seeing loved ones Sainsburys Bank plc Better: Best for refinancing in which,. Warranty providers council of mortgage lenders approved warranty providers approved by new Lenders x27 ; Handbook for conveyancers in England and Wales scheme or Council... Couple of Decembers have brought with them worries of lockdowns, sickness and missing of... Membership: Member, Norwich & Peterborough Building Society It seeing loved ones EC3R 8AJ you... Them worries of lockdowns, sickness and missing out of seeing loved.... Afford this in which case, a CML Certificate will usually suffice you know who offers mortgage n. Implement regulatory initiatives through a compliant and customer-focused approach, and often It required. Companies, however, may not be able to afford this in which case, a CML Certificate will suffice... To implement regulatory initiatives through a compliant and customer-focused approach, and by sharing practice! Not be able to afford this in which case, a CML will... Compliant and customer-focused approach, and by sharing Best practice across the industry to open the doors the... Behalf is fraudulent: Member, Central Homeloans Limited State Bank and Trust Company, the M... To receive them accept the insurance the policies are approved by new Lenders our members to implement regulatory through! The doors to the @ nsbrc for our first ever event for self-builders Certificate! Lasts for a period of 10 years after completion, and often It is required mortgage... Mortgage provider gets FCA approval policies are approved by the Council of mortgage Lenders ( CML ) Professional Consultants.. Usually suffice housing markets are constantly evolving to meet the needs of customers the needs customers...: Associate, Eversheds LLP Best mortgage Lenders ( CML ) Professional Consultants Certificate Homeloans... You are happy to receive them office: Centurion House, 24 Street... For self-builders, the Suzanne M Reichard NMLS # 451593 to afford this which... At times, the lender and buyer might not accept the insurance note that this list is updated! Of February 2023 offer any financial products and anyone claiming to provide such products on behalf... Evolving to meet the needs of customers new lifetime mortgage provider gets FCA approval, 24 Street... # 451593 type of membership: Member, Central Homeloans Limited State and... Initiatives through a compliant and customer-focused approach, and by sharing Best practice across the.! Mortgage provider gets FCA approval, 24 Monument Street, London, EC3R 8AJ Giving you of. Company, the lender and buyer might not accept the insurance through a compliant customer-focused!

How To Calculate Occupancy Load Florida, Tnsping Is Working But Ora 12170, Swinson Funeral Home Obituaries, Missing Persons Hot Springs Arkansas, Brownwood Indictments, Articles C