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Mortgage

BUBBLETALK - Open thread to talk about the housing crash, mortgage meltdown
2009-06-04 19:29:00
Keep it clean, keep it short, use tinyurl and have at it...
BUBBLETALK - Open thread to talk about the housing crash, mortgage meltdown
2009-05-27 06:48:00
Have at it..And vote early and vote often for HP at this REIC blog contest (current hilarious leaderboard here). You can vote once a day supposedly...Vote for this siteReal Estate Blog Contestpresented by the FHA Loan Center
BUBBLETALK - open thread to talk about the housing crash and mortgage meltd
2009-01-03 21:14:00
Nah, home prices never go down.Post random thoughts, articles that I missed (use tinyurl.com and hit the highlights only), and tell us what's on your mind
BUBBLETALK - New thread to talk about the housing crash, mortgage meltdown
2008-12-09 15:36:00
Bubbles are for bathtubs. Not.Post random thoughts, articles that I missed (use tinyurl.com and hit the highlights only), and tell us what's on your mind
BUBBLETALK - Open thread to talk about the housing crash and mortgage meltd
2008-10-29 18:38:00
Post article highlights (use tinyurl.com for the link), random thoughts and word from the street here...Yup, right on schedule, it's getting ugly out there (no matter what realtors on commission tell you)
BUBBLETALK - new thread to talk about the housing crash, mortgage meltdown,
2008-10-13 10:45:00
Post articles (use tinyurl and hit the highlights), let me know what I missed, talk about what's on your mind, and have a good chatAh, the smell of housing napalm in the morning...
Obama, the Mortgage Mess & His Record Tough Issues:Identify a Problem, Fail
2008-10-11 03:07:00
In perhaps the most hopeful column for Republicans in recent days, Karl Rove wrote yesterday in the Wall Street Journal that, “There are probably more undecided and persuadable voters open to switching their choice than in any election since 1968.“  He still thinks Obama hasn’t sealed the deal.  Peggy agrees. But, as Peggy noted, it doesn’t ...
Seniors beware of reverse mortgage fraud
2008-10-07 17:00:00
Mortgage fraud has been an underlying cause of many good deals gone badly, and reverse mortgage fraud is no better.
Mortgage Cartoon.
2008-10-07 12:19:00
Mortgage Cartoon.I tried to make a witty post about Google Trends yesterday, some of you might have seen it on the blog briefly, before I decided it would need re-writing due to serious formatting errors, and deleted it. Anyway. I decided that it was too late to attempt a total re-write. It might surface again, it might not. Here's the more usual post, of a cartoon. Hope you like it.
Queen Hit by Subprime Mortgage Crisis
2008-10-06 16:49:00
The borough of Queens that is located in New York is facing maximum number of subprime mortgage crisis cases in the city?s real estate market. It has been noticed that the rate of foreclosures in the month of August in Queens increased by nearly 45% from what it was in July this year. On the ...
Barney?s Frank?s Conflict of Interest in Mortgage Mess
2008-10-05 00:16:00
Five years ago, Barney Frank contended that “These two entities — Fannie Mae and Freddie Mac,” at the center of the mortgage mess and financial crisis, “are not facing any kind of financial crisis.”  He called them “fundamentally sound financially and withstand some of the disaster scenarios. Indeed, he wanted to take a little risk with ...
How Government Caused the Mortgage Mess
2008-10-04 20:58:00
A reader chanced upon a passage in Henry Hazlitt’s Economics in One Lesson where that celebrated economist predicted today’s mortgage crisis: Government-guaranteed home mortgages, especially when a negligible down payment or no down payment whatever is required, inevitably mean more bad loans than otherwise. They force the general taxpayer to subsidize the bad risks and to ...
Need a mortgage in Northwest Indiana
2008-09-18 19:39:00
I made my first announcement a few days ago on Active Rain, and am now moving this blog toward a mortgage business and consumer information basis. If you live in Northwest Indiana and need assistance with a mortgage, I'd love to meet or talk by phone - or email even.I spent the last 10 years in investment real estate and home building, and learned a ton about helping first time buyers find affordable homes and use creative programs to buy. Don't let the media tell you that this is bad time to buy.Home prices may have dipped a bit, but not much, and they are prone to go right back up later this year.FHA mortgage programs are still aggressive, available, and healthyCredit repair may be needed, and that's fine, I'm glad to work with you to get you ready to buy or refinance your home loan
Monday Mortgage Update
2008-09-15 23:29:00
Last Week in Review “THERE IS NOTHING WRONG WITH CHANGE, IF IT IS IN THE RIGHT DIRECTION.” Winston Churchill. And the housing and mortgage industries experienced a great change in the right direction last week, as the Federal government moved to support Fannie Mae and Freddie Mac, causing Bonds and home loan rates to improve significantly ...
BUBBLETALK - Open thread to talk about the mortgage meltdown, housing crash
2008-09-14 23:52:00
Things fall apart. The center will not hold...Post interesting articles (snippits only), use tinyurl.com, let me know what I've missed, chat about random topics, and keep it clean for the kids.
Improvement in the Number of Mortgage Defaulters
2008-09-12 16:01:00
The problem of foreclosed homes although has hit terribly the real estate in the second half, but there is also an improvement that is being noticed in the number of borrowers who were falling badly in their mortgage payments. It has been seen that there has been a decrease in their numbers for the first ...
Foreign Bondholders - and not the U.S. Mortgage Market - Drove the Fannie/F
2008-09-11 16:30:00
For anyone who still doubted the growing global influence of such emerging powerhouses as China, consider this: The U.S. government?s decision to take control of foundering mortgage giants Fannie Mae (FNM) and Freddie Mac (FRE) was driven not by worries…
Bailout creates likely record mortgage-rate drop
2008-09-08 06:21:00
We asked around town: Will the bailout of mortgage giants, Fannie Mae and Freddie Mac, be good or bad for O.C. housing — a place where the median home price is now $200,000 below June 2007’s peak? One thing we learned Monday morning was that traders really want mortgage-backed securities now that Uncle Sam (ahem, us taxpayers) now fully back them … That trading effectively pushed down mortgage rates by 0.35 percentage points just today, reports Pimco mortgage-bond expert Scott Simon. (Rates had risen roughly 1 full point in ‘08 before the bailout was announced Sunday.) Simon says to the best of his recollection, that’s the biggest one-day drop on record. Simon thinks the current drop is sustainable as long as the U.S. Treasury continues to buy mortgages backed by Fannie and Freddie. Register blogger Matt Padilla says some lenders’ fixed-rate mortgages are back to 5.5%! Read MORE HERE! Here’s what others are saying around O.C. … Ec...
Charles County Foreclosures Fall but Mortgage Crisis Remains
2008-09-05 18:49:00
There has been a decline of over 10 percent in foreclosures between the first and second half of 2008 in the Charles County. Despite this, the number of home foreclosures has almost doubled in comparison to what it was at the end of the second half of 2007. The decline in the number of foreclosures ...
Mortgage Websites and Marketing
2008-09-01 15:54:00
Mortgage is nothing but giving a property to a lender as a security for a mortgage loan. Mortgage Website is nothing but a website which will have details about the mortgage loan rate, loan officer name, interest rate etc. It has information about Mortgage Basics that is application checklist, credit, closing cost, mortgage insurance. ...
5 Proven Mortgage Refinance Tips For Lower Fees And Costs Posted By : Juhan
2008-08-29 16:08:00
Mortgage refinance tips does not only mean, that you find lower interest rates, but it also includes some important costs, which you have to consider during the refinance process. More: continued here
BUBBLETALK - New thread to talk about the mortgage meltdown and housing col
2008-08-29 15:07:00
Post articles (use tinyurl and hit the highlights), interesting facts or just let us know what's on your mind.Yes, the housing bubble burst, the crash is here, mortgages are melting down, and it's O-V-E-R. Now we just deal with the mess.
Cheap Mortgage Insurance Quote Can Assist you Preserve Your Mortgage
2008-08-29 11:18:00
A lot of things have been said regarding payment safety insurance of which one part is the mortgage insurance quote. One thing said in relation to it is that it is nothing but a massive rip-off. In a few cases this was confirmed true as insurance policies have been sold to persons for huge ...
Indianapolis Mortgage Brokerages Lost Their Licenses
2008-08-27 16:11:00
In Indianapolis real estate, about 40 percent of mortgage brokerages have lost their licenses. These mortgage brokerages have failed to comply with a newly introduced law that has been aimed at elevating the industry standards in Indianapolis having one of the highest foreclosure rates in the nation. This is a 2007 industry-backed law that states ...
Mortgage applications down to lowest level in almost eight years
2008-08-21 17:00:00
Yesterday, the Mortgage Bankers Association reported that mortgage application volume fell last week to its lowest levels in almost eight years. This data supports the fact that the housing market is still struggling and fewer customers are applying for mortgages.
Bad loans to blame for mortgage crisis
2008-08-20 17:00:00
During the housing boom, many borrowers were eluded into mortgages they couldn?t afford. These mortgages are dubbed ?liar loans,? as they don?t require proof of the borrower?s income or assets.
FBI Educates Public on Mortgage Scams
2008-08-19 12:57:00
A lot of people are in dire financial straights because they got sucked into what is now being called the mortgage crisis. Now that the problem is being examined carefully, a lot of fraud is being blamed as being a contributing factor to the entire mess. The problem is that the fraud aspect of the mortgage ...
BUBBLETALK - New thread to talk about the mortgage meltdown and housing col
2008-08-17 14:16:00
HousingPANIC is here.Use this thread to post articles (use tinyurl and hit the highlights), talk about random topics, and have a good chat
Depressed Buyers. Depressed Sellers. Depressed Markets.
2008-08-11 20:57:00
California Housing Market…Ouch! The video above  represents many states now, not only California.   In my opinion, quality homes in Utah that are priced in the lower to upper $200,000’s will still get sold. However,  there is an decreasing pool of qualified buyers who can afford those homes as well as a shortage of “affordable housing” for ...
Have your own people when applying for a reverse mortgage
2008-08-11 17:00:00
When shopping for a reverse mortgage loan it is important to be fully aware of everything that is presented and also to choose your lender carefully. Some lenders stay tight-lipped and don?t fully disclose fees and terms.
Reverse Mortgage Advice
2008-08-11 17:00:00
Taking out a reverse mortgage is a serious financial decision and should be well thought out. If you or your parents have already taken the necessary steps to educate yourselves on reverse mortgages, talking to a financial planner you trust is the next step.
Housing and Economic Recovery Act of 2008
2008-08-10 15:44:00
President Bush signed H.R. 3221 into law last week.  For home buyers there are two main effects:   1) Any new home buyer that closes on a home from April 9, 2008 until July 1, 2009 will receive up to 1 $7,500 tax credit.   2) The seller paid zero down programs will dissappear October 1, 2008.   A little about the tax credit.   A new home buyer is someone that hasn't owned a principle residence for 3 years.   The tax "credit" is actually an interest free loan that will be paid back over 15 years or upon the sale of your home.
BUBBLETALK - New thread to talk about the mortgage meltdown and housing col
2008-08-07 18:51:00
Keep it clean, don't post full articles, use tinyurl.com for long links, let me know what I missed, talk about general stuff here, and have a good chat
Are there any other options for seniors besides a reverse mortgage
2008-08-06 17:00:00
Some seniors just don?t want to get into any debt during their golden years and a reverse mortgage loan is, in fact, a debt.
Mortgage Update
2008-08-03 15:47:00
From Huck Ferrill, our guest mortgage blogger, the nuts and bolts of Congress' housing reform package is below. Some good, some not so good.The not so good:Seller funded down payment assistance (Nehemiah) will be gone if the loan is not approved by Sept 30, 2008. Gifts from relatives and public nonprofits is still OKMinimum borrower cash investment requirement for FHA is increased from 3% to 3.5%. It can all be a gift. Seller credits are still allowed for closing costs but not down payment.The good:Higher conforming loan limits are being made permanent. Max $625,000 and dependent on area median price.The great: $7500 tax credit for a first time buyer(s). Max income $75,000 for a single person and $150,000 for a married couple. Everyone who doesn't own a home should find out about this as fast as you can tell them.
Which reverse mortgage is right for you
2008-08-01 17:00:00
There are three basic types of reverse mortgage loans to choose from. One type is a single-purpose reverse mortgage. They are offered by government agencies or nonprofit organizations and make it possible for low-income homeowners to pay for a specific issue, like fixing a leaky roof.
Reverse mortgage improvements
2008-07-31 17:00:00
If you are thinking of a reverse mortgage, then you will be happy to hear that there are many improvements being made to the government-sponsored program. These changes are only for FHA-insured Home Equity Conversion Mortgage (HECM) program, and will take approximately 60-90 days to implement.
Fraud, Greed and Special Interests in the Mortgage Crisis Cost Everybody
2008-07-30 04:59:00
(Actual photo of an an allegedly remodeled condo courtesy of the FBI) If you think the factors that enabled the mortgage crisis have been fixed, think again. An example of this might be the Tennessee minister (Reverend Steve Young)– awaiting sentencing after pleading guilty to mail and wire fraud to commit mortgage fraud — who was recently ...
Monday Mortgage Update
2008-07-28 23:42:00
Several reports that are scheduled for this week could determine whether Bonds and home loan rates can manage a bigger comeback than they did last week. Definitely stay tuned for the Department of Labor’s big Jobs Report scheduled for Friday, which will show the number of jobs lost or gained in July. Remember: The Department of Labor averages their numbers, and part of each month’s report includes “revisions” to the several prior months’ numbers. A positive report could be good news for Stocks, but bad news for Bonds and home loan rates, so it will be especially important to see what numbers are posted on the “scoreboard.” Also keep an eye on Thursday’s Gross Domestic Product (GDP) report from the Commerce Department. GDP is the broadest measure of economic activity…and since good economic news typically causes money to flow into Stocks and out of Bonds, this report will be important to watch. Remember when Bond prices move high...
Reverse mortgage lenders pay you to stay in your home
2008-07-24 17:00:00
There are many different benefits to a reverse mortgage. First and foremost, you get money from the equity you have built in your home to use however you please.
Selecting a reverse mortgage lender"
2008-07-21 17:00:00
There are many things to think about if you are considering a reverse mortgage loan. One of the most important steps is selecting the appropriate reverse mortgage lender.
What Can Be Gained By Refinancing Your Mortgage?
2008-07-21 11:52:00
Many people are doing it, but should you? Getting a new mortgage to replace the old one could be very sound advice but not every time. Here are some things that you could gain if you refinance your mortgage.Lower Interest RatesOne of the best reasons to refinance is to be able to get a better interest rate and lower your monthly payments. This, of course, leads to more savings. Since the interest rates on mortgages changes every day, it is always a good idea to keep one eye on those changes. When the interest rates drop more than 1% lower than what you already have, it is one indication that you can save some money. Save Some MoneyThe amount of money you can save by a lower interest rate, however, is not all that can be gained. In fact, you could save much more if you also reduce the amount of time left to pay off the mortgage. By keeping your payments about the same and shortening the time by at least five years, you could save additional tens of thousands of dollars more.Get Your ...
What Can You Do in Advance to Get a Better Mortgage Rate?
2008-07-21 11:50:00
When it comes time for you to think about getting a mortgage, you should know that there are some things that you can do to help yourself get a better deal. In most cases, they can be performed over a few months, but will prove their worth in savings over the term of your new mortgage. Here are some of those things.1. Look Over Your Credit ScoresYou need to get a copy of your credit report from the big three (Equifax, Experian, and TransUnion) and look them over for wrong entries. It is not uncommon for items to be mistakenly reported on a credit report. It will only take, however, one item to adversely effect your credit score. Bring it up to where it should be by trying to correct anything that is not where it needs to be. 2. Raise Your Credit LevelsIf you find that your credit really is not at the level where you feel it could be, take some time (if you can wait) and raise it. This can be done through credit cards that report to the credit bureaus, taking out short-term loans and...
What do Lenders Consider When Approving Bad Mortgage Credit Loans?
2008-07-21 11:48:00
Lenders do not simply approve mortgage loan applications. Lenders also want to make sure that the money they will be lending will be paid back. Naturally, lenders would check on the borrower credit worthiness by examining their credit report.What is a credit report and why is it so important?Your credit report is your very record that reflects all transactions that you have between banks, lending companies and other financial institutions. Your payment history is listed in detailed within your credit report. By the law, mortgage lenders can use this document to check on an individual's background or credit worthiness. Thus, whether you have a good credit or bad credit can affect your mortgage loan application. How is Your Credit?Obviously, if you're planning on applying for a mortgage loan, it will be better to take a look at your credit report yourself and see if your credit rating is good enough to be approved. You may acquire a tri-merged credit report from three major credit b...
What is a Mortgage Refinance?
2008-07-21 11:46:00
A mortgage refinance involves renegotiating an existing mortgage in order to get a better interest rate and lower monthly payments that will help improve your financial situation. It can also be used to pay off debt by tapping into the equity in your home, if you choose to borrow above and beyond what is owed on your current mortgage.One nice thing about a mortgage refinance is the ability to lower your interest rate and maintain the same monthly payment you will build your equity much quicker while paying down extra principle. If you remain cognizant of what interest rates are doing while in the refinancing process you will be able to reach your financial goals much easier. Another area where a refinance may help your financial situation is if you are having trouble meeting your monthly payment or you need to free up some cash for home improvements and the like. When a borrower takes money from the equity in their home, this is known as a cash-out refinance. In order for this type ...
What Makes a Property Good for a Commercial Mortgage?
2008-07-20 08:47:00
The idea of purchasing a commercial property is that it is well suited to the needs of your business. This can and is defined by several factors and they will all be considered when you apply for your mortgage. The commercial lender will look at your business and what it does and how it will relate to the commercial property in question.If your company makes widgets, the lender will want to know how long you have been making widgets. They will also want to know what your growth rate has been over the time you have been making widgets. They will look at the property to consider whether it will meet your needs for making widgets during the lifetime of the loan.The lender will want to see that you will have room to grow and that you will grow to fill the space. They will also look at the location of the property to see how that is going to work with your widget manufacturing needs. Do you have good access to roads that can handle the volume of traffic that will be generated?Will there ...
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