2nd Mortgage Rate
2nd Mortgage Rate August 12th, 2008 Subscribe To Our Feed Do you own a home? ... . Applying for a home equity loan can be quick and painless. Even with bad credit, it may still ... or to purchase a car? Right now, mortgage rates are at the lowest they have been in decades [more...]
Date: 2008-08-12 14:23:58
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Mortgage Rates for Friday Afternoon
Mortgage rates are up about 0.125% from what I posted this morning and up a bit more than that compared to last Friday’s post as you’ll see by the ... rate quote below is based on owner occupied with a mid-low credit score of 720-739, “full doc” ... 0.325% to rate FHA. Pricing based on credit score of 620 or better and loan amounts [more...]
Date: 2009-01-16 21:28:17
9 Reasons for a good credit rating or FICO score
Does my credit rating really matter? That question goes through a lot of people's heads as they max out their credit card or don't pay their automobile payment Huntsville Alabama car loans financing with bad credit mortgage home loans, real estate auto insurance, web design. Huntsville schools festivals business events and community [more...]
Date: 2008-12-22 12:51:43
Need Help With Money
It’s normal for people to make mistakes when it comes to money, but with the economy being in the state it is in now, ... get access to auto loans, credit cards, mortgages, and student loans. Keeping your credit rating high ... you may need to correct some of your bad money habits to survive the recession. The most common [more...]
Date: 2009-01-16 01:57:49
Another Bailout Plan: Directly Bailout Homeowners
—Ace Actually, if you accept "bailout logic" at all, this makes the most sense and should have been done from the beginning ( ... credit and a mortgage can refinance at a new lower rate. Treasury Secretary Henry Paulson ... mortgage rates to 4.5 percent would allow most homeowners to refinance into a cheaper loan, far fewer [more...]
Date: 2008-12-06 06:32:52
30-Year Mortgage Rate Falls Below 5%
Just when you thought mortgage rates couldn’t get any lower, they did ... rate and refinance can’t meet the credit requirements and will not get approved, reports today’ ... their credit might not be up to par, but they might lack sufficient home equity. The “underwater” problem [more...]
Date: 2009-01-15 09:49:00
Latest News in Refinancing Home Mortgages - Nov 13, 2008
Mortgage Applications Rise as Interest Rates Drop - CNBC The Mortgage Bankers Association said its seasonally adjusted index of mortgage ... billion of loans at interest rates tied to the price of credit- default swaps, raising the cost ... shifts course on its $700 billion rescue plan, Congress is examining whether even bigger changes [more...]
Date: 2008-11-13 15:05:25
When You Are Eligible For A Free Credit Report
By Federal law, you are entitled to one free credit report per year directly from a credit-reporting agency only if you certify that: 1 ... to know, whether you need a new credit card, an auto loan, or a mortgage. Lenders use your credit scores ... to obtain the best rates. Bad credit costs thousands of dollars! About The Author Virginia Broobin [more...]
Date: 2008-12-27 07:59:27
Illinois Mortgage Rates Weekly Update
Welcome to Illinois Mortgage Rates and News week in review for the week ending June 27th, ... might do more harm than good. The credit crunch is still in force, and hiking rates would mean that credit goes from tight to a stranglehold, smacking the real estate market and the business climate [more...]
Date: 2008-06-28 15:51:40
5 Tips on Choosing a Mortgage
5 Tips on Choosing a Mortgage by Amy Nutt The most important investment you will ever make is buying a home ... . There are certain deals that can be offered regardless of credit rating in many cases. - If mortgage ... will have different criteria that determine your rate. They do base it off of your credit situation [more...]
Date: 2009-01-18 08:41:08
Financial Ramblings - $100 Gift Certificate Contest
We have a busy financial ramblings today as we will be A GIVING CHAPTERS GIFT CERTIFICATE OF $100 (Sponsored by INSURE CAN) ... to know what a stock split is, ABC’s of investing is proving a great definition. The Credit Toolbox is giving you reasons to take a variable rate mortgage. I’m a big fan of variable rate mortgage since it’ [more...]
Date: 2009-01-17 02:00:47
N.J. man learns modifying mortgage to cut payments may impair credit rating
by Moe Bedard on September 29, 2009 · 0 commentsin American Nightmare To confuse consumers even more, not all lenders follow the guidelines.That may change on November 1, when lenders can use a new code to report them as a “loan modification under government program.” The code will clarify which borrowers have taken modifications, but because the modification process itself is not streamlined, it won’t be the only worm squiggling out of the can.The bigger impact on credit scores may depend on how [more...]
Date: 2009-09-29 13:48:05
Bank cuts 130 O.C. jobs
HERE. Jeff Altman of WestCal Mortgage Corp. in Orange said later today rates fluctuated between 4.75% and 4.875% with a one-point fee ... Homeowners who got a break often defaulted again The regulator did it Good credit, bad mortgage … ... in 2007. And in other mortgage news… Bad-loan fix: Model or Myth? O.C. mortgage rates return [more...]
Date: 2008-12-11 21:09:31
A Good Time to Have Great Credit
January 2009 marks the lowest home mortgage rates since Freddie Mac began tracking the data in April of 1971 ... rates present a great opportunity for borrowers with solid credit and plenty of equity in their homes ... have destroyed their credit ratings. Thus, unless one of the talked-about plans to bail [more...]
Date: 2009-01-04 20:04:13
Just Tricks…No Treats for Friday’s Rates
Mortgage rates continue to trend upwards like mummies crawling out of their graves. (Sorry…bad reach. Booooo). October has been terrible for rates! ... FHA. Pricing based on credit score of 620 or better and loan amounts up to $362,790 for FHA in King ... all ready be factoring bad news into their brew. Conforming Mortgage Rates (loan amounts up to [more...]
Date: 2008-10-31 19:48:17
Consumer Focused Carnival of Real Estate
September 30th, 2008 The guidelines for this carnival ... now talking about. The country runs on credit, and right now, it is drying up, and not just mortgage credit, but commercial credit and even corporate credit (Caterpillar has some AA rated bonds they're trying [more...]
Date: 2008-09-30 13:16:43
Bail Me Out
Today's linkIt's Not a Weekend It's a LifestyleSaying for the DayAlways borrow money from a pessimist, he doesn't expect to be paid back ... on the mortgage without fail. He let other things slide. He ruined his credit rating. But he protected his house.Now he can’t get a low rate mortgage to replace the one he has because he has a bad [more...]
Date: 2009-01-16 11:00:00
Illinois Mortgage Rates Weekly Update
Welcome to Illinois Mortgage Rates and News week in review for the week ending October 24th, ... rates world wide panic has shifted from worries about the credit crunch to worries ... whatever they have, good, bad or ugly, in order to raise cash (except for treasury bonds, money is rushing [more...]
Date: 2008-10-25 19:17:58
Good credit, bad mortgage … now what?
Randy Johnson of Newport Beach, ... my tail off to keep my bills, mortgage, etc, paid on time, and my credit rating is 700. Where ... to hurt my credit, but it seems that foreclosures will be a norm and maybe I can bounce back [more...]
Date: 2008-12-05 22:00:48
Home Builders Wants Mortgage Rates at 2.9 Percent
Home Builders Wants Mortgage Rates at 2.9 Percent 19Dec08 ... homebuyer tax credit. With these two initiatives in place, NAHB boss Jerry Howard believes the glut ... to find affordable refinancing options, thanks to issues like negative equity and harsher [more...]
Date: 2008-12-19 20:10:39
New regulation and the GAO
rdan GAO has a report on regulation deficiencies of financial markets: ... participants—such as nonbank mortgage lenders, hedge funds, and credit rating agencies—some of which ... difficulty understanding new and increasingly complex retail mortgage and credit products. • Fourth [more...]
Date: 2009-01-15 10:00:01
Illinois Mortgage Rates Weekly Update
Welcome to Illinois Mortgage Rates and News week in review for the week ending July 18th, ... , credit is still tight and consumers have no purchasing power. The softness in our economy has spread ... level in the coming months. So why did rates get so bad so quickly this week [more...]
Date: 2008-07-19 17:43:31
Mortgage Rates Drop! It Does Not Mean What it Used to
Fed announcement, 30-year fixed were roughly 6%. As of today all of the hype that low rates are going to save housing is about less than ... . The 5.5% rates that are making everyone so giddy are what’s known as ‘base-rates’ for perfect credit ... . Perhaps two years ago when when house values were soaring, credit was easy, the mortgage market [more...]
Date: 2008-11-26 17:09:00
Friday’s Rates on Thursday
Huh? Since tomorrow is Independence Day, the bond markets will be closed…so I thought I would provide you with mortgage rates on today ... with a minimum credit score of 720, “full doc” purchase with a sales price of $500,000 and a loan ... %. Rates should be doing great with all this bad news, right? Not so fast! It seems as though Wall Street [more...]
Date: 2008-07-03 18:00:27
Maintaining Excellent Credit Rating
Being approved for credit is a sign that someone is willing to take a risk on you with their money ... of all, get your free annual credit report from the credit bureau. Check for mistakes or false ... bills - food, utilities, rent, or mortgage. Before you go out shopping for credit lines, make sure [more...]
Date: 2009-01-15 03:41:35
Fears of Mortgage Rate Re-Sets May Fuel LIBOR Manipulation and Mask Deeper Banking System Problems
It’s panic time for U.S. legislators, regulators, banks and lenders. More than $24 billion worth of adjustable-rate mortgages (ARMs) ... and sovereign borrowers. If interest rates remain high and interbank lending remains tight, the credit ... appear better than they really are? If that’s the case, it’s one more reason the credit crisis [more...]
Date: 2008-10-23 15:45:31
Be Careful When Comparing Mortgage Rates
Most people know it’s important to compare mortgage rates before they purchase or refinance a home ... or refinancing their home but, there are some things you didn’t think about or just don’t know. You may ... try to avoid having your credit run until you’ve decided between 2-3 lenders. You can request a pre [more...]
Date: 2008-11-08 19:41:11
Illinois Mortgage Rates Weekly Update
Welcome to Illinois Mortgage Rates and News week in review for the week ending September 26th, ... Street down to Main Street, and the fear is that if this isn’t resolved soon, it will cut off credit ... up to $700 billion of tax payer money to buy up the bad debt, it will recapitalize the banks [more...]
Date: 2008-09-27 17:40:18
Hurricane Ike and Cincinnati Real Estate
Yesterday’s gusting winds pushed a lot of buyers around Sunday Open Houses ... more difficult to obtain a mortgage if you have a marginal credit rating or a minimal down payment ... a vendor to remove trees or repair siding or roof- I would suggest leaving a note for potential buyers [more...]
Date: 2008-09-15 14:21:32
Mortgage rates slide under 5%
Rates on 30-year fixed-rate loans fell across the country for the week ended Thursday to an average of 4 ... Altman, a partner with WestCal Mortgage Corp. in Orange, said homebuyers with good credit and a 20% down ... .96%, the lowest in at least 38 years, says mortgage giant Freddie Mac. It began tracking rates [more...]
Date: 2009-01-15 22:02:07
More hoops to jump through for enticing mortgages
Consumers rushing to refinance a home loan or get a new one to take advantage of the lowest U.S ... stellar credit. “This market has weeded out people with bad credit. That’s the difference,” said Ellen ... . mortgage rates in nearly four decades are in for a surprise: the new rates aren’t for everyone [more...]
Date: 2009-01-14 14:37:34
Commercial real estate mortgage rates
Even if finance techniques relating to long-term business might seem appropriate in several circumstances, ... to be cheaper by producing enhanced credit card processing as well as commercial mortgage results ... , along with loan programs on the commercial basis. Commercial real estate mortgage rates need [more...]
Date: 2009-01-07 00:42:46
O.C. mortgage rates return to historic low, 4.875%
Rates on some home loans in Orange County fell today to the lowest since 2003, some mortgage brokers said ... whether the low rates will last. down-arrow.jpg Borrowers with good credit and a down payment of 20% to 25% of a home’s value can get a 30-year fixed rate loan for 4.875% with a one-point fee, said [more...]
Date: 2008-12-11 00:27:57
Mortgage mods, failing miserably
Mortgage mods, failing miserably! I wrote a blurb about the re-default rate on modified mortgages a few weeks ago. Today there was a better and more detailed account of just how bad the track record ... replaced lower mortgage payments with increased credit card debt? Is it because the mortgages were [more...]
Date: 2008-12-09 01:03:00
The Fannie/Freddy bailout
It’s almost as if the feds are trying to flush the economy down the crapper ... holders of U.S. Treasury bonds. -Higher rates are bad for anyone with a mortgage, credit card debt, a home equity loan, a margin account, etc. -Higher rates also increase the government’s debt burden [more...]
Date: 2008-07-15 01:21:54
Rates for Friday Afternoon
Mortgage rates are much improved since what I posted last week. Wednesday and Thursday were rough on the markets as traders braced (and rightly so) ... : 6.125% (APR 6.271%) 0.50% to rate FHA. Pricing based on credit score of 620 or better and loan ... % (APR 7.064%) 0.25% to rate FHA-Jumbo. Pricing based on loan amounts from $362,791 - $567,500 [more...]
Date: 2008-11-07 21:38:07
Take the 4.75% Bailout Mortgage And Run...Or Else
San Diego mortgage brokers are always asked what "the rate" is ... , documented income, and excellent credit. Even today, "the rate" is stratified into three loan size ... about the "best rate"? (meaning an ARM product) 2- with opacity; that depends on the credit, equity [more...]
Date: 2008-12-29 16:22:32
Latest News in Refinancing Home Mortgages - Dec 11, 2008
Mortgage rates foreseen under 4% - Baltimore Sun WASHINGTON Government efforts to provide easier credit to consumers and to help housing finance ... economy and troubled credit markets. Mortgage applications were up 112 percent during the week [more...]
Date: 2008-12-11 12:40:58
The Worldwide Credit Crisis
Recently in the UK Lloyds TSB has merged with the HBOS group which includes the old Halifax building society, BM solutions, IF, TMB ( ... to the satisfaction of everyone. What also will happen to the home owners who have a bad credit mortgage ... a large player in the financial market good deals on mortgages and lower rate loans could be impeded [more...]
Date: 2009-01-02 03:00:28
?There Can Be a Mortgage after Foreclosure
Having a home foreclosed on an individual or couple can be devastating to them personally as well as financially. This blotch on their credit rating stays for quite a few years. They probably think their chances ... rebuilding your credit rating. This needs to be your first priority. Although you’ll probably want [more...]
Date: 2009-01-16 05:17:01
Mortgage Rates, Scary Jobs Details, Investing in 2009, Russian Gas Dispute, and More!
by Addison Wiggin & Ian Mathias Mortgage rates plunge to record lows… but are they at the bottom? ... of the credit crisis. “That’s bad,” Byron King somberly explains. “We already have an aging work force ... to 2009… how to invest amid rife market manipulation If you’ve got money, credit and patience [more...]
Date: 2009-01-08 01:36:29
on mortgage talks
A childhood friend just got home 1 month earlier my father, she too works in a cruise line! ... mortgage rates and interests and other add ons like refinance with bad credit actually i guess ... again her ship she’ll decide on what to do with her planned investment and about bad credit mortgage [more...]
Date: 2008-10-27 13:51:27
Mortgage Rates for Friday Afternoon
This morning’s Jobs Report was even worse than expected with 533, ... s report. Mortgage rates are much improved over the last rate post (pre-Thanksgiving) and slightly ... ). The conforming rate quote below is based on owner occupied with a mid-low credit score of 720-739, “full [more...]
Date: 2008-12-05 21:22:25
Moody’s Techniques Deeply Flawed – Analyst Blog
Moody’s allegedly hastened the credit crisis earlier in the decade by assigning top ratings to mortgage-backed securities that deteriorated later. Moreover, it is being probed by regulators worldwide, with several ongoing reviews in Europe for rating a European debt product, constant proportion debt obligations (CPDOs), at a higher-than-merited AAA. According to the Wall Street Journal , Eric Kolchinsky a former analyst with Moody's Corp. [more...]
Date: 2009-09-28 14:34:15
Mortgage Rates Rising with Inflation
Rates are continuing their climb up upwards. Helping to fuel this rise in rates, ... rate quote below is based on owner occupied with a minimum credit score of 720, “full doc” purchase ... to trade the safety of bonds (such as mortgage backed securities) for stocks. Great for stocks = bad [more...]
Date: 2008-06-13 20:59:03
The Warning Signs Were There
Everyone knew that this was a possibility, but everyone - Democrats and Republicans - went along with the idea, ... those banks to extend home mortgages to individuals whose credit is generally not good enough ... more loans to so-called subprime borrowers. These borrowers whose incomes, credit ratings and savings [more...]
Date: 2008-09-26 12:45:00
Progressives Have Come Up With A Bill Worth Backing But Will Rahm Emanuel And His Allies Kill It?
Yesterday Alan Grayson, the Blue America endorsed candidate for the Orlando congressional seat held by pathetic Bush rubber stamp Ric Keller, ... bad choices, then "credit" (mortgages, car loans, business loans, etc.) will disappear ... was created, whenever there was a need to ease credit, the Federal Reserve lowered interest rates and bought [more...]
Date: 2008-10-01 09:30:00
Is it Possible to Get a Mortgage with Bad Credit?
by Troy Cruz William Engle Dawn Khoury James Nissen Robert Hill Chris Laning Janet Taylor Jack Enders Bruce Gross Rick Bean Keith Wood Ray Johnson ... Barney Bernard Ailleann Alan How good is your credit? If you know your credit score and won’ ... . A good credit score is going to get you a better interest rate, but just because your credit is bad [more...]
Date: 2008-12-16 18:11:06
Meet a self-described “bank terrorist”
Revolting (h/t: Moonbattery): Bruce Marks, founder of the leftist Neighborhood Assistance Corp ... “easy lending.” Listen to NACA’s pitch: “Come to NACA, and regardless of how bad your credit ... , while increasing the number of mortgages it restructures by lowering interest rates and extending loan [more...]
Date: 2008-11-20 23:53:27
The economy is in the pooper
Ya Ya this is old news. If it is not, you need to crawl out of the rock you are under and see for yourself ... but not getting good mortgage, good interest rate, decrease in housing values, job loss, credit card ... belly up, got acquired by another company and suddenly N's job and H1 B visa were a BIG concern. Also [more...]
Date: 2008-11-02 22:40:00
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