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| News, Tips, Advice, Articles And Information About U.S. Mortgages |
| HUD Affordable Housing The foreclosure crisis is causing problems in the rental housing market. Homeowners losing their homes are having a difficult time finding affordable housing. Watch the above video. |
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| Interest Rates 30 yr fixed 3.87% and 0.8 points/fees 15 yr fixed 3.14% and 0.8 points/fees 5 yr ARM 2.80% and 0.7 points/fees As of February 2, 2012 more rates... |
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| Protect Your Home With Job Loss Mortgage Insurance Considering the economic downturn in America, job security is a thing of the past. Employees with more than 20 years on the job are not exempt from layoffs. If and when there is a job loss the homeowner is facing the possibility of losing his home to foreclosure. Job loss mortgage insurance is a great solution. read more... |
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| Seniors Losing Homes To Foreclosures The worse economic crisis since the Great Depression is leaving many seniors with the prospect of losing their homes to foreclosure. read more... |
| Banks Are Sitting On Thousands of Houses With Mold And Mildew: Would You Buy One? Everyone wants a bargain when it comes to purchasing a house. We are bombarded with the news that interest rates are low, that house prices are falling and that now is the time to buy real estate. We also hear that there are millions of foreclosure houses that are just waiting for a willing buyer. But what about houses that the banks own that are filled with mold and mildew, can these ever be a good deal for a buyer? read more... |
| Government Announces Changes To HARP That Will Help Underwater Borrowers The Home Affordable Refinance Program (HARP) was started in March 2009 by the Obama Administration. The primary objective of the program was to allow over 5 million homeowners to refinance their mortgages, and make lower payments. read more... |
| HARP Mortgage Refinance Picks Up Steam In September December 7, 2011 HARP mortgage refinance was up 20% in September. Approximately 35,000 Fannie Mae and Freddie Mac mortgages were financed through the Home Affordable Refinance Program (HARP). read more... |
| Some Borrowers Will Give Up Future Claims In Foreclosure Reviews Mortgage servicers might get a break from future litigation under the new foreclosure review guidelines. The waiver of claims will depend largely on the type of settlement the homeowner accepts if the foreclosure review determines that there were substantial errors in the mortgage, or outright fraud on the part of the lender or servicer. read more... |
| Consumer Financial Protection Bureau Ready To Hear Complaints About Home Loans December 17, 2011 The new federal agency, Consumer Financial Protection Bureau (CFPB), is ready to hear the million of complaints and inquiries about mortgages. The agency will hear how the banks lost documents, how lenders did not respond to homeowners in a timely fashion, and how homeowners were refused loan modifications. read more... |
| New Homeowner Association Laws In Texas Will Stop Most Abuses Especially Foreclosures There is some new legislature in Texas that is designed to prevent the abuses that thousands of homeowners suffered living under the rules of homeowner associations in Texas. The new rules were signed into law by Governor Rick Perry and will take effect on January 1, 2012. read more... |
| Banks Created The Foreclosure Mess: Now They Want To Profit From Renting Distressed Houses The major banks have thrown their hats into the housing rental ring. Earlier this year the Obama Administration proposed renting the thousands of foreclosure houses across the nation. The Administration asked the public and the professionals for ideas to help manage a program that would turn about 180,000 foreclosures into rental properties. The banks were quick to put forth several ideas which could see them becoming major landlords. read more... |
| Low Mortgage Rates: Get Your Rate Lock Now! Mortgage rates are at an all-time record low. If you are thinking of buying a home, now is the time to secure a rate lock. Some lenders refer to this term as a lock-in or a rate commitment. read more... |
| The American Dream Of Home Ownership Is Quickly Becoming A Nightmare Home ownership in America is becoming a nightmare for the average American. A college education is still a dream. And working for the same company for 50, 40, or even 20 years is a figment of one's imagination. read more... |
| How To Get A VA Loan If You Are In The National Guard Or Reserve It is well publicized that if you serve in the US Military you are eligible for a VA loan. Many are not aware that those who serve in the National Guard or the Reserve are also eligible for VA loans.read more... |
| Your Bank Has Little To Do With Your Mortgage Rate Stop blaming your banker for the mortgage rate you are paying. And on the flip side, do not give him all the credit for the low rates we are currently getting. In London, England there are 19 bankers that call the shots. These bankers determine the rates throughout the world. The rates for mortgages, bonds and mortgage backed securities are affected by the decision these bankers make. read more... |