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| My Community Mortgage From Fannie Mae: Low Down Payment t's time to reconsider Fannie Mae. On October 4th 2010 the FHA revamped its mortgage insurance premiums. As a homebuyer you owe it to your family to discuss with your lender the My Community Mortgage from Fannie Mae. read more... |
| Problems With Title To Your House Can Limit The Use Of The Property There is usually some confusion about title insurance. If you are purchasing a home, whether it is a first time buy, or a second or third, always insist on title insurance, and be sure to go with a reputable title insurance company. read more... |
| Strategic Default Will Continue To Kill Housing Recovery There is a fundamental difference between regular default and strategic default. Regular default is what we are accustomed to. We can't afford to keep the house. The mortgage payments, the upkeep, the property taxes, the insurance; the whole mountain of debt becomes unmanageable. So we default on the loan. Zillow estimated that 1 in 5 houses with a mortgage has negative equity. read more... |
| Feds Will Force Lenders To Ensure That Borrowers Can Repay Loans The Federal Reserve has proposed some new mortgage rules. These rules appear to be common sense, and I am surprised that lenders have to be told how to lend money. However, during the housing bubble, banks and mortgage companies were lending mortgage money to anyone with a pulse. As a result of these lax lending practices many of the loans were not repaid and millions of houses ended up in foreclosure. read more... |
| Mortgage Amortization: You Need To Understand How Your Mortgage Works All homeowners and real estate investors should know how the amortization of a mortgage works. Understanding how your mortgage amortization works will allow you to put together a strategy to pay off the mortgage sooner. With the exception of an interest only mortgage, each mortgage payment is a combination of principal and interest. The principal payments reduce the amount owed on the mortgage. Therefore the more principal you apply to the loan, the faster the loan is paid off. The interest is the cost of borrowing the money. The larger this amount is, the happier your lender will be. read more... |
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| Damaged Credit Reports: Check Rapid Rescoring A credit score has the power to move mountains. A high score gives you the opportunity to not only get a mortgage, but also to get a good interest rate. In fact, lenders will be competing for your business. But the system is flawed and there are errors. Roughly eight out of ten consumers have at least one mistake on their credit report. read more... |
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| 9 Steps To Get Your Mortgage Approved Getting a mortgage approval is easy. It takes preparation and paying attention to the small details. Your information is entered into a computer, and if the details do not "fit the mold" or make sense, it raises a red flag. The red flags are then reviewed by a human being, and that is when you get the decline. read more... |
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| JP Morgan Chase Settles Lawsuit With Military Families JPMorgan Chase and U.S. Marine Corps Capt. Jonathon Rowles announced today that they have agreed to resolve a class action lawsuit over financial protections due military customers under the Servicemembers Civil Relief Act (SCRA). read more... |
| Foreclosure Fraud: Where's The Original Note Who owns your house? Who owns the original note a few weeks ago we would have answered with confidence, "my bank, where I make my payments". read more... |
| How To Sell Your House Faster In A Down Market If you have to sell your house, you are in for a challenge. House values and prices are falling. New homes builders have excess inventory, and foreclosures are flooding the market. Here are a few tips that will help you sell your home quickly. read more... |
| It Might Be Smarter To Rent Because House Prices Are Still Falling As a tenant you are waiting for the opportunity to buy your own home, As you watch mortgage rates drop week after week, and house prices plunge, you are tempted to make the big plunge. But before you start looking for a house to buy you should do some research and number crunching. read more... |
| Fees To Look For On Your Good Faith Estimate (GFE) The Real Estate Settlement Procedures Act (RESPA) says that your lender must give you a Good Faith Estimate (GFE) within three days of applying for a loan. The following are some of the fees that you will have on the GFE. Some fees are paid in advance of closing the purchase of the house, and some are paid when you close the deal at the lawyer's office. read more... |
| Facing Foreclosure? Tips That Will Save Your House Helping You Avoid Foreclosure Foreclosure Procedure: Know Your State Laws Foreclosure Prevention Program That Works: Pennsylvania Leads The Nation. Mortgage And Foreclosure Protection For Our Men and Women In Uniform. |
| The Lincoln Institute of Land Policy completed a study on Community Land Trusts. They discover that homeowners living in houses in Community Land Trusts (CLTs) were less likely to be delinquent or be foreclosed on than homeowners in the overall market. read more... |