Sprout Mortgage to shut down, lay off 400 employees (7/7/22) Wells Fargo to cut 107 jobs in Des Moines area (7/6/22) Redwood Trust acquires Riverbend Lending (7/5/22) AnnieMac Home Mortgage acquires OVM Financial (6/30/22) First Guaranty Mortgage Corp. files Chapter 11 bankruptcy (6/30/22) Probably has something to do with their now-former corrupt CEO kissing *** on Fox Business whenever he has the chance. Send contact info to RB@MailGuppy.com and I will give you a call. Huntington Bank just had their mortgage layoffs, not sure the number but its prob like Chase just did. Sprout president Shea Pallante informed the company's workforce of the abrupt termination of operations during a conference call, with both retail . Along with letting people go a day before end of month so that will not have to pay them bonus wages. Our division constantly exceeded goals. Mortgage Star gives women the chance to come together and talk about the obstacles they face. Where is Sun West Mortgage on this list???? Well, after seven layoffs, the hammer hit. I was fortunate to lead and work with some great people. Sprout Mortgage is focused on mainstreaming non-QM mortgage in the US, Pallante said with palpable enthusiasm during a telephone interview while touting the companys Broker AdvantEDGE product. Academy Mortgage just dissolved their Growth & Development and Employee Engagement departments, as one of the G & D employees, I am not sure how many layoffs in total. According to reports, Sprout Mortgage has closed and laid off its employees. In an effort to reduce overhead, Kalamazoo MI based AmeriFirst Home Mortgage terminated approximately 45 people. Sprout family, especially our direct to consumer squad, you guys and gals kicked a$$ and Im very fortunate to have to have gone to battle with you! Cash Out vs. HELOC vs. Home Equity Loan: Which Is the Best Option Right Now and Why? As for non-QM lenders, the going gets particularly tough during periods of economic turmoil like we are currently witnessing. The cutbacks in early April initially centered on reducing some of the non-QM lender's correspondent platform but this time around other . Last 2 weeks another 100 employees lay-off. First, it's important to understand non-QM lenders. If youve ever worked with me, I hope you know and have seen that Im a Swiss Army knife I write copy, strategize and launch campaigns, design, shoot and edit video, do voiceovers, lead and create social media. The timing of the call was confirmed by other former employees who also spoke anonymously with NMP. Hi, Can you please tell me who took over the accounts for Beneficial Mortgage? Save my name, email, and website in this browser for the next time I comment. Theyve laid off practically the entire back office effective 02/2023. I dont know how many in this 2nd round of layoffs. Non-QM lender Sprout Mortgage is shutting down operations, multiple workers said on Wednesday. Academy Mortgage just shut down their Nebraska and New Mexico offices, no warning. We have a loan with First Direct Lending in Irvine, CA. As SARAH said on May 18, 2022 at 11:59 am & ANONYMOUS said on May 27, 2022 at 6:50 am. Very common name, hard to say, if its something to do with ResCap (GMAC), maybe it went to Ocwen? Non-QM lender Sprout Mortgage is shutting down operations, multiple workers said on Wednesday. Your email address will not be published. ", The executive continued, "Non-QM is a $100 billion industry. See nothing about Amerifirst Home Loan out of Kalamazoo, Michigan. Theyre also in the process of being aquired by NYCB. "Everything was going great. Between the first and second quarter of 2006 alone, mortgage repurchase requests tripled thanks to shoddy underwriting that was prevalent during that era. At press time, the privately held nonbank could not be reached for comment. It also has a low-margin correspondent business. That's the word from a former executive who thought "everything was going great" and was blindsided when the company closed. The cookie is used to store the user consent for the cookies in the category "Performance". This year they have had over 500 layoffs throughout the country. The company informed workers of the shut down in a conference call on Wednesday, a former staffer said. Good luck with your new gig! The company is among the fastest-growing non-QM (qualified mortgage) originators. Redwood Trust laid off numerous people prior to Thanksgiving including myself. They have laid off 80% of their staff in the last few months. The only thing is its hard to get a sense for time for each of these events. Trying to clear up a release of lien on property with original note maker Commodore, Matrix released the lien and recorded it but Title company needs to establish the relationship between Matrix & Commodore. Primary Residential Mortgage, Inc. (PRMI) laid off 1/3 of their staff last month over the course multiple weeks and laid off several executives (VP EVP) yesterday. In addition, I have had the chance to work with some of the finest delivery operations managers., Dan Leanna senior vice president retail sales, at Sprout Mortgage wrote: The Sprout Mortgage family received some unfortunate news today , as well be closing our doors effective immediately. Anyone?? Teammates were given no coaching or guidance on benefits, unemployment matriculation, employment assistance. Hard to know unfortunately but maybe start with HSBC. Anybody know the successor of First National Security Corp? Next lay offs will be Saturday 8/24/22. 1 week severance. Continue reading at National Mortgage Professional, Hopin 2nd Round of Layoffs 30% Workforce. Hello I am trying to find out who acquired Peninsula Mortgage Bankers Corporation In Coral Gables Florida. According to reports, Sprout Mortgage has closed and laid off its employees. Were confident that the non-QM sector and Sprout in particular will not only ride out the turbulence but outperform expected growth rates.. I dont know how many, but departments have been completely let go. Top brass spoke to remaining workers detailing the volatile state of the industry but they were saying they were in a good position to withstand future shocks and didnt expect more layoffs in the near future, the former employee said. They didnt take any questions. Those laid off was 28 underwriters in Correspondent Channel. It would be nice if you included the date on your corporate event summaries above. Or did they think the housing market would keep going up forever? Wells Fargo to exit correspondent lending channel, Zillow Offers shut down, 25% of staff to be let go, Figure to merge with Homebridge Financial Services, AmeriSave Mortgage Corp. bought origination business of The Money Source (TMS), Bank of America to cease wholesale lending, Caliber Home Loans bought Banc Home Loans, CIT Group Inc. bought OneWest Bank (formerly IndyMac), CitiMortgage halts wholesale home equity lending, Citizens Financial Group acquired Franklin American Mortgage Company. I do know that there were rumors about Academy selling, stirred up by a LinkedIn post by Anthony Casa, but Senior Leaders were deployed to shut the rumors down the day before the layoffs started. Strong Home Mortgage, a preferred and participating Costco lender, just laid off 25% of their production staff yesterday (4/7/22) which was 30 loan officers nationwide. to close, 89 layoffs Steward Financial closed Stewart Information Services halted delinquent loan servicing business Stone Creek Funding closed Stonegate Mortgage closed 47 retail branch locations Stonegate Mortgage acquired Medallion Mortgage Company Stonegate Mortgage acquired Crossline Capital Stonegate Mortgage acquired NattyMac Stonewater Mortgage Corp. halts new originations, sold to Caliber Funding LLC Strategic Capital Bank shut down by FDIC Southern Colorado National Bank shut down by FDIC SouthStar Funding closed Southwest Business Corp. purchased 15 Home Loan Corp. branches Stewart Lender Services acquired key assets of Allonhill, LLC Suburban Federal Savings Bank shut down by FDIC Summit Financial Group Inc. closed residential mortgage unit Summit Mortgage Co. to close Sun American Bank shut by FDIC Sun National Bank laid off 242 employees, exit residential mortgage business Sun Security Bank shut by FDIC Sun West Bank shut by FDIC Sunset Direct Lending closed Sunshine Mortgage Corp. shut down Sunshine State Community Bank shut by FDIC SunFirst Bank shut by FDIC Sunrise Bank closed by FDIC Sunrise Bank of Arizona shuttered by FDIC SunTrust Bank exited wholesale channel, 67 layoffs in Tampa, FL SunTrust Bank cut 800 mortgage employees nationwide SunTrust Bank closing wholesale lending offices Summit Bank shut by FDIC Superior Bank shut by FDIC Synergy One Lending acquired BBMC Mortgage Synovus Financial to buy FCB Financial Holdings Syringa Bank shut by FDIC Syracuse Securities, Inc. closed, transferred loan officers and some staff to Premium Mortgage Corp. Tamalpais Bank shut by FDIC TBW to file for bankruptcy protection, around 1000 layoffs TCF Bank acquired Rubicon Mortgage Advisors, LLC TeamBank shut down by FDIC Temecula Valley Bank shut by FDIC Tennessee Commerce Bank shut by FDIC Texas Capital Bank exited correspondent lending Texas Community Bank, National Association shut by FDIC The Bank of Bonifay shut by FDIC The Bank of Commerce shut by FDIC The Bank of Georgia shut by FDIC The Bank of Miami shut by FDIC The Bank of Union closed by FDIC The Bankers Bank acquired Advance Mortgage Corp. The company told the larger than 300 workers of the shut down in a convention call on Wednesday, a ragged staffer acknowledged. Non-QM lender Sprout Mortgage, based in East Meadow, N.Y., closed abruptly last week only months after averaging $380 million in loan volume per month, according to a former executive. Recently, mortgage layoffs have been driven by a major decrease in refinance demand and a dwindling pool of eligible home buyers thanks to significantly higher mortgage rates. Even though it has been roughly a decade since the downturn began, mortgage companies are still facing the consequences of getting involved in what was then a very risky housing market. The U.S. housing market has also weakened amid recession fears. I know Ocwen took over Aames because I had a loan for 132,000 and it was released by Ocwen, but there was a second mortgage which was never funded in the amount of 150,000 and Ocwen has no knoweledge of it. What Credit Score Do You Need to Get a Mortgage? The company is among the fastest-growing non-QM (qualified mortgage) originators. Now, its about doing more with less and combining teams to one manager. Look for a transformative announcement from Sprout for the wholesale broker community to change every step of the non-QM process, from application to closing., Read next: Fired workers sue First Guaranty Mortgage over lack of notice. Guild Mortgage has been doing layoffs since the end of 2021. Interfirst Mortgage Co. did layoffs in Nov. 2021, March 2022 and May 2022. Guaranteed Rate has had several layoffs this year. Sprout Mortgage was averaging $380 million a month in loan volume before it abruptly shut down on Wednesday. Please complete the form below and click on SIGN UP to receive daily e-newsletters from. We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. Does anyone know who is servicing Washtenaw Mortgage loan I need a release for a loan that was paid off in 2008 and never released. Keller Mortgage laid off around 600 people effective 5/22022, Servicelink had four rounds of layoffs thru May no serverence not even pay out for vacation time, Guaranteed Rate and its affiliates did another layoff today, 7/13 after waiting for cpi postings. According to the employee, who spoke on condition of anonymity, a companywide conference call on Wednesday was held virtually via Microsoft Teams at 4:30 p.m. It cant be numbers, because they had 44 branches over 18 states. But they were told they need to finish out the day because the layoff isnt effective until July 1st. Thank you! A company official on Wednesday declined to confirm or deny the shutdown, and Pallante has not responded to a request for comment. Not sure how many. Property is in Trust in Mexico and Fiduciary will not release until Metrociti is linked to GMAC. "These were not risky loans. I have searched however running into dead ends. Any news about the amount/locations/departments of Penfed employees laid off? More than likely they will be laying off operations today since its the end of their pay period. Trying to find the link between Metrociti Mortgage Corp. and GMAC sometime around Feb 2003, or before. I see reductions for the next year which will erase all the profits and shut a lot of these entities down. Not sure their track record on loan mods unfortunately. I happened to be traveling for work across the country from where I lived when I was laid off: as of today, you are no longer employed with Academy. Totally left stranded. Do you know what is going on with this company? It was owned by HSBC, which may have sold it to any number of different servicing companies. Necessary cookies are absolutely essential for the website to function properly. My guess is theyre cutting the fat and prepping their balance sheet for a sale. Offers may be subject to change without notice. They closed and I need to obtain a release of mortgage. So it's gotta be something cool, right?" When I search many of the Complete List postings, they are from a decade ago. Loansteady laid off about 30%+ of its staff and is now merging with Mutual of Omaha, Pennymac laid off 300 Underwriters as of Monday 5/9/2022, Homeowners Financial Group out of Arizona , laid off people on 5/2. Suprised that you have not picked up the story that lendus was sold to cross country. I was one of those affected. They are doing them in small amounts so it goes undetected. the former employee said, adding that the company was more interested in shutting down everyone's email system within 15 minutes of letting them know than they . The former executive who spoke with NMP said Sprout was well on its way toward dominating the Non-QM loan business nationwide. Non-QM lender was doing $380M/month in loan volume, former executive says. Open Mortgage that proudly stated at the beginning of year didnt have layoffs has now done a second set of layoffs and demotions. RoundPoint is a wholly-owned subsidiary of Freedom Mortgage. The pool includes fixed and adjustable-rate loans acquired by Annaly Capital Management Inc. Texas-based lender adds industry veteran Dustin Wells as co-president to lead growth. "It was a tiny part of the total volume," the executive said. On June 30, First Guaranty Mortgage Company filed for Chapter 11 bankruptcy. I have the personal cell number for the CEO of AMC (verified by phone call this morning). 21 Things That Can Raise Your Mortgage Rate. ", The executive added, "We were good at closing loans; average was 15 to 22 days, and things were funding quickly. U.S. housing affordability is running at all-time lows as house prices have climbed over the last two years without a commensurate increase in average wages. Whats wrong with non-QM lenders and why are they shutting down? I think they acquired some parts of the company in early 2016. The company informed the more than 300 workers of the shut down in a conference call on Wednesday. "Sprout President Shea Pallante informed the staff, which totaled more than 300 people, that the company would close its doors immediately - including both its retail and wholesale divisions". Even better, didnt even take the time to look anyone in the eye, a thank you, handshake, or apology. Thanks Alan. Hi. Academy mortgage just did some layoffs this week. Just got my severance package. The past meetings I had were about the laying off the ones not being productive. The 30 year mortgage was obtained in 2003 in Florida Property. They started laying off people a couple of months ago, and a couple of people from my team were laid off last month who had been around longer than me., Yet the firings this week came as a surprise given assurances made by company executives after last months round of layoffs, he noted: They told everyone else there that there were no plans for future layoffs, he said. Consumers say the economy is on the "wrong track." There was no shady stuff in these loans. Could have done this with more class. Amazingly, we continue to see layoffs and closures driven by what transpired many years ago. Our daily newsletter is FREE and keeps you up to date with the world of mortgage. 2006-2023 HW Media, LLC. The status of loans in Sprouts pipeline was not immediately clear. They will be merging with Union Home Mortgage. They lie to customers. DTC sector was affected, unsure if any other sectors were as well. Wentworth Company acquired WestStar Mortgage, Inc. John Warner Bank shut by FDIC JPMorgan Chase will cut 13,000 to 15,000 mortgage jobs by year-end 2014 JPMorgan Chase cut 839 temporary employees after foreclosure review overhaul JP Morgan Chase layoffs reported in loan structuring group, CMBS group , and UW group K Bank shut by FDIC KBC Bank NV (Belgium) bought Vertical Lend Kensington Mortgages (UK) temporarily withdrawing from the mortgage market Kensington Mortgages (UK) cut 20 percent of staff Kensington Mortgages (UK) cut 75 jobs KeyBank acquired Laurel Road Banks digital lending business KeyBank Real Estate Capital halted lending KeyBank Real Estate Capital cut 100+ jobs Keycorp exited subprime mortgage business, layoffs Key West Bank shut by FDIC Keys Federal Credit Union shut down KH Funding filed for Chapter 11 bankruptcy Kinecta FCU exits third-party mortgage origination business Kirkwood Financial Corp. suspended wholesale originations KKR Financial Holdings no longer intends to invest in residential real estate Kondaur Capital Corp. cut 155 jobs La Jolla Bank shut by FDIC Lakeside Community Bank shut by FDIC Lancaster Mortgage Bankers closed LandAmerica Financial Group Inc. will cut 1,100 jobs (title company) Landesbank Sachsen Girozentrale (Germany) sold to Landesbank Baden-Wrttemberg LandMark Bank of Florida shut by FDIC Law Offices of David J. Stern to shut down, layoffs Legacy Bank shut down by FDIC Lehman Brothers filed Chapter 11 bankruptcy Lehman Brothers cut 140 mortgage-securities trading jobs Lehman Brothers cut 850 jobs Lehman Brothers to cut 1425 jobs globally + another 1,500 Lehman Brothers cut 200 jobs from its UK mortgage firms Lehman Brothers to close UK subprime lending units SPML and Preferred Mortgages Lehman Brothers Bank cut 126 jobs in Lake Forest, CA Lehman Brothers Bank cut 85 jobs in Lake Forest, CA Lehman Bros. Small Business Finance no longer accepting loan applications Lehman Bros Dutch mortgage unit Elq Hypotheken ceased lending Lend America closed Lenderlive laid off 45 in Madison Heights, MI Lenders Direct Capital Corporation closed wholesale lending operations Lending group Inc. suspended operations LendingTree.com closed Carmel, IN office, 64 layoffs Lending Tree 20% of workforce laid off (fresh ones on Aug. 17) LendingTree layoffs, mainly in Irvine, CA Lennar Corp. over 4,000 layoffs at big Miami home builder Lenox Financial Mortgage receives cease and desist from Georgia Department of Banking and Finance Lexington Lending halts wholesale operations Levitt and Sons LLC (homebuilder) laid off a third of staff Levitt and Sons LLC (homebuilder) filed for Ch. These cookies will be stored in your browser only with your consent. Building a Trusted and Efficient Automated Mortgage Workflow, The key to growing in a challenging mortgage market. For his part, hes decided to leave the industry as a result of his experience at Sprout Mortgage: I dont think Ill be looking for something else in this industry for the moment. Crosscountry Mortgage is not on the layoffs list, but they are/have been axing people left and right, just before the grand opening of the new home office. Highlands Residential Mortgages corporate headquarters in Allen, texas also had layoffs and staff reductions. Why this site doesnt acknowledge is odd to me. Thanks. Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. Former employees said Pallante held the conference call at 4:30 p.m. and said the lender would be shutting down immediately. Guaranteed Rate has also been laying off in the affiliate companies including Affinity and OriginPoint. Such borrowers also find solace in non-QM lenders. if you have been with them less then three years you will possibly be let go. Freedom Mortgage laid a bunch of us off on Tuesday May 24 2022. My mother has been informed that her mortgage with Beneficial is being taken over by Rushmore Loan Management, she didnt know that Beneficial was doing this. Flagstar Bank laid off 150 people last Friday, I was one of them after over 20 years. Sprout Mortgage announced Tuesday it is resuming its correspondent lending operations, effective immediately. I first created this list of mortgage layoffs and closures in February 2007, back when scores of mortgage companies were consolidating, laying off employees, sending out scary warnings, and going out of business. But opting out of some of these cookies may affect your browsing experience. For example, our BROKER AdvantEDGE program helps brokers grow their book of business through innovative tools that improve the mortgage origination process from start to finish., He touted the BROKER AdvantEDGE product as something of a centerpiece in improving the mortgage workflow before offering a summer sneak peek as to future developments that turned out in marked contrast to this weeks developments: We are investing heavily to continually enhance the customer experience for mortgage professionals, Pallante said at the time. Cardinal Financial Company/Sebonic did 5 or 6 rounds of layoffs no including the 1st 2 rounds that started at Q4 2021. Laurel, NJ PHH Mortgage Corp. laid off 69 employees in Amherst, NY PHH Mortgage Corp. cut 2250 jobs in New Jersey PHH Mortgage Corp. cut 135 jobs in Amherst, NY PHH Mortgage Corp. laid off 130 employees at its Mount Laurel, NJ mortgage servicing center PHH Mortgage Corp. merger terminated PHH Mortgage Corp. exited wholesale/correspondent mortgage lending channel PHH Mortgage Corp. cut 33 jobs in Mount Laurel, NJ PHH Mortgage Corp. cut 80 jobs in Amherst, NY, eventually close office in 2017 PHH Mortgage Corp. laid off 365 mortgage workers in Jacksonville PHH Mortgage Corp. laid off 140 in Providence, 300 more from NJ and FL offices Piedmont Community Bank shut by FDIC Pierce Commercial Bank shut by FDIC Pillar Processing cut 601 employees at Long Island offices Pimco bought stake in First Guaranty Mortgage Pinehurst Bank shut by FDIC Pinnacle Bank of Oregon shut down by FDIC Pinnacle Direct Funding Corp merged with Tri-Star Lending Pinnacle Financial Corp. acquired by Impac Mortgage Holdings, closed Pisgah Community Bank closed by FDIC Plantation Federal Bank shut by FDIC Platinum Community Bank (IL) shut down by FDIC PMI Group Inc. (mortgage insurer) filed for Chapter 11 bankruptcy PNC Bank acquired BBVA PNC Bank acquired National City PNC Bank to close Capstone Realty Advisors (commercial mortgage unit) PNC Bank shed dozens of mortgage workers amid refinance slowdown PNC Bank discontinued wholesale home equity lending PNC Bank to cut 5,800 jobs PNC Bank to cut 30 workers at loan servicing center in Dayton Polk County Bank shut by FDIC Popular Financial Holdings exited the wholesale sub-prime mortgage market Popular Inc. cut 167 loan servicing jobs in New Jersey Popular Mortgage Corp. shut down Popular Warehouse Lending no longer accepting applications Portellus, Inc. (software) winding down mortgage division, selling mortgage assets Precision Financial Inc. closed Preferred Home Mortgage Co. cut 75 jobs Premier American Bank shut by FDIC Premier Bank shut by FDIC Premier Bank (Denver) shut by FDIC Premier Community Bank of the Emerald Coast shut by FDIC Premier Mortgage Funding, Inc filed for bankruptcy Premium Funding Corp. closed Pretium acquired Deephaven Mortgage LLC Primary Residential Mortgage Inc. acquire The Executive Mortgage Group Principal Mortgage Fund, Inc. to buy Fair Home Lending Financial, Inc. Top brass fired the ranks via video, taking no questions from stunned workers. Paid off a loan in 2009 to Alliance Financing Mortgage Corp, out of Mt. Lendus formerly Rpm that had to pay a huge fine of 20mm to the cfpb finally folded. The cookie is used to store the user consent for the cookies in the category "Analytics". When non-QM lender Sprout Mortgage abruptly shut down on July 6, more than 300 workers expected their last paychecks to be delivered the following day as scheduled. I figured out a long time ago, other industries dont like to hire mortgage people. Cal, 400 in So. Not in bankruptcy? Would appear this was done to avoid the federal 60 day WARN Act notice. Some of the employees who were informed that they are being laid off in the conference call on July 6 are also posting about the layoffs on social media. An attorney for Sprout meanwhile responded to two other lawsuits Tuesday, denying all accusations of wrongdoing but admitting for the first time the lender had shut down. This will affect over 100 employees in all departments. But they didnt do that., Read more: Non-QM focus a winning strategy for lender. Simply put, mortgage companies must rightsize as too many players chase far too few loans. CrossCountry Mortgage acquired PERL Mortgage, Inc. E-Trade exits wholesale mortgage business, Encore Credit merging with Bear Stearns Residential Mortgage, Finance of America Mortgage acquired Skyline Home Loans, First Magnus no longer funding or originating any mortgage loans, FNBA wholesale division and correspondent line shut down, Freedom Mortgage Corp. acquired J.G. Angel Oak Home Loans (Retail, not wholesale) just laid off a bunch of people from all departments (Sales, UW, Processing, Closing, Management). Site by, The role of borrower data in todays housing market, Housing Market Tracker: Weekly inventory adds 1,339 homes, Superfan co-founder Brittany Hodak on building your brand, Pennymac looks to capitalize on Wells Fargos correspondent exit, Rumors of mega-MSR offerings from Wells Fargo stir market, How Prosperity Home Mortgage plans to make up for lost volume in 2023, Splitero raises $12M to expand home equity investment operations. Only discussing TMS and its future platform. Any help is appreciated. So we show up it didnt even go live at the right time, it was kind of a mess, and they said were actually going to do it at 1:30pm. A sharp rise in mortgage rates saddled the company. All AFTER they received an influx of capital in the $175m range to better their proprietary LOS software; it didnt help!!! I guess Im not alone, but thats unfortunate to see. They also laid off bunch of people from Stearns, who they just bought last year. Sprout Mortgage, which often billed itself as one of the nation's. 10 free websites that are so valuable they feel illegal to know: 1. NewDay USA offered severances of 1-mo and laid off a few dozen, Saw on linkedin from several contacts that Keller Mortgage had a pretty big layoff. I had a mortgage loan with a company called AMC Mortgage Services in Santa Ana, CA. So everyone is left on the chat asking whats going on? Everyones confused asking are we getting paid tomorrow? Payday is literally today, and they dumped us yesterday. I appreciated and enjoyed every moment!, Sprout Mortgage closed doors today very abruptly, wrote Glenn Toher, branch/production manager at the shuttered firm.
Todhunter Moon Summary, Ros Atkins Wife, Susannah Blunt Husband, Articles S