The End of Large-Bank Wholesale Lending - Time For the Mortgage Banker

The End of Large Bank Wholesale Lending - A Resurgence of Middle Market Mortgage Banking – Chase…a Leading Indicator This week Chase shut down ... t effectively manage its pipeline of locked and in-process loans. Of note, Credit Suisse recently shut down ... because NMN is subscription - sorry: “As the refinancing boom gathers steam selected residential [more...]

Date: 2009-01-16 18:23:12

Blog posts (177) | Videos (119)
 

Gates of Vienna News Feed 1/8/2009

The latest word is that an agreement with Russia has been reached, and the flow through the gas pipeline will resume.Also, look for the storming of the Israeli consulate in Montreal, as well as other Gaza-inspired violence around the world.Thanks to AA, Abu Elvis, Insubria, JD, Tuan Jim, Vlad Tepes, and all the other tipsters who sent these in [more...]

Date: 2009-01-09 04:49:00

Identify Credit Repair Scam in 6 Ways!!

by David Wada Everyday, companies target consumers who have poor credit histories with promises to clean up their credit report so they can get a ... and someone else has your money. If you see a credit repair offer, heres how to tell if the company behind it is up to no good: * The company wants you to pay for credit repair services before [more...]

Date: 2009-01-16 06:23:45

Deal with Credit Before Divorce

by Rob Kosberg When you are about to file for divorce, you know that this is a horrible experience no matter how much you want to do it ... . Legal advice may help with this. Finances should be worked out, if at all possible, before the divorce is completed. Credit reports for each partner need to be secured, examined and fixed [more...]

Date: 2009-01-17 22:06:48

First Time Home Buyers: Is Time Running Out?

> The stimulus tax credit of $8,000 for first time home buyers expires on November 30, 2009.  That means your new house has to be signed, sealed, and delivered by the last day of November if you expect to qualify for the federal tax credit.  Is it possible to buy a house, have it inspected, appraised, the financing in place and all closing documents final?  Maybe, maybe not. [more...]

Date: 2009-09-30 16:30:51

The Garrett, Watts Report (September 30, 2009)

    To Our Clients, Colleagues and Friends, What would be better, (a) having one $40 million warehouse line with Bank of America, or (b) having $25 million with the Bank of America and $10 million with Comerica or Flagstar?  Even though (a) is for $40 million and (b) is for only $35 million, we’d probably recommend option (b).  Having two lines is almost always better than having just one, even if the one line is somewhat bigger than the two combined. [more...]

Date: 2009-09-30 18:45:19

Making Home Improvements

A home improvement loan is what many people use when making costly repairs to their home. Sometimes these repairs are necessary ... s credit history. The second is a person’s loan repayment history. The mortgage company will be asked ... . New plumbing, water heater, or flooring that are usually in need of repair, especially in older [more...]

Date: 2009-01-17 09:06:57

?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

OFFICIAL POST: Letter from Lawrence H. Summers to congressional leaders

The attached letter was sent by Lawrence H. Summers to the bipartisan leaders of the United States Senate and House of Representatives detailing President-elect Obama’s commitment to implement the Emergency Economic Stabilization in a way that will promote the stability of the financial system and increase lending, preserve home ownership, [more...]

Date: 2009-01-17 13:00:00

It's a bad time to buy a home

Analyst warns against buying homes now:Fox-Pitt Kelton home-builder analyst Robert Stevenson said Wednesday he thinks this year will turn out to be "a bad time to buy a home" as the U.S. economy loses more jobs, especially if buyers don't plan ... weren't bad enough for housing — given the mounting foreclosures, falling home prices [more...]

Date: 2009-01-08 12:47:00

The Great American Ponzi Scheme

Give us Madoff! Give us Madoff!  “Oil rises to $39 on Bernanke comments…”  “Asian stocks rise after Bernanke remarks…” When they turned out the ... say to bring about the turnaround? We find the report on the front page of the International Herald ... and the normalization of credit markets,” said the main man at the Fed, speaking to an audience at the [more...]

Date: 2009-01-14 17:00:26

Why Your Credit Score Is So Important To Your Ability To Borrow

Your credit information may be of no use to you. If you’re not planning on buying a house or renting an apartment, buying a car, taking out a loan, paying for college or getting a new credit card, then you won’t need to worry about getting ... you are and where you need to be financially. Bad Credit To improve your credit information, you’ll need [more...]

Date: 2009-01-17 13:04:13

Och Václav Klaus sade:

Tege skickade mig detta tal av Václav Klaus, levererat i Aix-en-Provence den 23 augusti. Som vanligt har Klaus en del bra poänger så jag vill gärna dela det mer er. *** Thank you for the invitation to come to Aix, for giving me a chance to address this reputable audience where I see many friends and, above all, thank you for continuing to organize the Summer University. I only don’t understand why you call it Summer University of the New Economics. [more...]

Date: 2009-09-29 14:58:06

Bad Credit Unsecured Personal Loans – Credit Score Repair Helps

Bad credit unsecured personal loans can greatly assist you in making ends meet financially.  The one thing that most borrowers worry about when it comes to personal loans is the interest rate.  To lower your interest rate credit score repair greatly helps.  It is very surprising how many borrowers attempt to get a personal loan without even knowing their credit score. [more...]

Date: 2009-09-29 22:33:44

Miami Mortgage Rates Report – September 29, 2009

Economic indicators drive the market week in and week out.  We start this week on a low note and finish with a high one. Jobless claims are reported Friday.  Higher than expected claims can mean rates could  go down…lower than expected: rates could go up.  Bad news for the economy helps interest rates and the opposite holds true as well. [more...]

Date: 2009-09-29 17:59:14

Does jump in applications signal a mortgage boom?

Does jump in applications signal a mortgage boom? Posted by: in Housing Filed under: Housing, Recession Over the past few years, ... (this is according to a report from the Mortgage Bankers Association). There was a 15.8% jump ... equity as well as damaged credit. Now, Fannie Mae is in the process of implementing new programs [more...]

Date: 2009-01-17 22:16:37

Posts about Tri-State Real Estate (FL, GA and AL) as of January 16, 2009

Foreclosures And The Mortgage Meltdown Continues to Plague America - usreoproperties ... either being foreclosed upon or delinquent. The nation … package aiming to thaw the frozen credit ... 01/16/2009 Toyota is developing a miniature, environmentally friendly car that is powered entirely [more...]

Date: 2009-01-16 14:21:19

Posts about Mortgage Market Report as of January 16, 2009

Drug and Alcohol Rehab - ahabloging.com 01/16/2009 Drug and Alcohol Rehab Drug abuse and alcohol abuse becomes more increasing from year to year, ... Reserve’s latest beige book report (an analysis The Smell Of Panic In The Air For The Economy ... Department report was that in December there was a massive 524,000 decline New Home Building Sinks [more...]

Date: 2009-01-16 12:18:17

Take A Peek At My Lending Tree Home Refinance Offers

Here’s a sneak peek at some that were offered to me when I signed up on their website ... on your credit report, obtaining your score only. This shouldn’t lower your credit score, so don’t worry ... % 0 0% $0 To be perfectly honest, I’m not that impressed! I plan to check with some local banks [more...]

Date: 2009-01-16 06:48:36

No Credit Mortgage – Bad Credit Mortgage Rates Drop?

Bad credit mortgages are becoming more and more common in the United States as mortgage rates drop.  As the unemployment rate rises many bad credit and no credit borrowers want to get a low mortgage rate.  Unfortunately mortgage lenders are much more strict with their lending practices since the credit crisis began.  Many mortgage lenders have seen their competitors close their doors because of bad lending practices. [more...]

Date: 2009-09-29 20:53:09

Sure, I'm still hoping for the best from the Obama administration, but the hiring of Cass Sunstein and the banishment of Howard Dean aren't good signs

Virginia Gov. Tim Kaine is introduced by President-elect Obama as the new chairman of the DNC. But wait, isn't there somebody missing? by Ken For all my apprehensions about what we're gleaning about policies of the Obama administration and what's suggested by the people being brought in to staff the administration, let me be clear: [more...]

Date: 2009-01-09 23:44:15

Why Even Good Credit Might Get Cut

(Photo: Dan Esparza) You can afford your mortgage, you have a high credit score and you pay your bills on time every month. So why did American Express just slash your credit limit? Could be because of where you shop? A combination of the credit crisis and the increasing use of predictive analytic models [more...]

Date: 2009-01-16 02:35:39

It Keeps Getting Better And Better In California

The Daily Press reports from California. “First-time home buyers jumped into the local real estate market in December, pushing sales of existing homes up by 17 percent for the month and 207 percent compared to a year ago, according to new from the Victor Valley MLS compiled by Larry Trombley, an agent in Hesperia [more...]

Date: 2009-01-08 15:46:59

Good News for Real Estate in Denver

Good news is being delivered nearly everyday this week!  The average U.S ... to 4.96 percent from 5.01 percent a week earlier, Freddie Mac said in a report today. That’ ... market for sometime now.  It’s nice to know outside sources like PMI Mortgage Insurance Company agree [more...]

Date: 2009-01-16 04:24:08

Satan Has A 350 Credit Score

By John Rasor indulgence, greed and envy can take over and send your credit in a downward spiral. The lowest credit score you can have is a 350 ... , gluttony and being a debtor with outright disrespect to the creditor can earn you a bad credit rating. I have personally never seen a 350 credit score but supposedly they do exist. If you have bad cred [more...]

Date: 2009-01-16 22:01:48

Real Keynesians understand imbalanced trade

rdan Trade and Taxes has a post I recommend reading...this is lifted wholesale as a compliment to Howard's passion and thought on the issue of trade policy and our woes...we might differ on some of the details, but read carefully: Real Keynesians understand imbalanced trade by Howard Richman The United States is being run by pseudo-Keynesians [more...]

Date: 2009-01-17 13:57:10

Obama to the Rescue!

Word on the Street President-elect Barack Obama is going to back a bank-rescue ... avoid foreclosure. The money may also go to help cities and states with “credit issues” … pun ... are advocating a government-backed “bad” or “aggregator” bank to acquire hundreds of billions [more...]

Date: 2009-01-18 02:53:39

Qualifying For a Used Car Loan

A used car loan is given to those who wish to purchase a car that has had a previous owner. The car may be purchased from the owner or used car lot ... will be lower. This can help a person keep their car. For those with bad credit, a used car loan ... credit report, although there are lenders who are willing to grant loans to those who have filed [more...]

Date: 2009-01-17 09:34:44

Gates of Vienna News Feed 1/15/2009

Forget global warming. Hello, global cooling! If the experts are right, we’re in for a new Ice Age.But it’s still the fault of George W. Bush, of course.Thanks to C. Cantoni, Fausta, Insubria, JD, KGS, Tuan Jim, VH, and all the other tipsters who sent these in. Headlines and articles are below the fold [more...]

Date: 2009-01-16 04:37:00

How to use “Owner Financing” for Real Estate investing

by Doc Schmyz Owner financing often produces a winning situation for both the homeowner who is selling the property and for the buyer who is purchasing the property. Owner financing may be defined as the situation when a seller is willing to help finance a real estate transaction by creating a loan for the entire purchase if they own the home [more...]

Date: 2009-01-16 03:41:32

Stealing from You A Specialty

I admit that I can still be astonished. When I watched ‘60 Minutes’ last night I saw a big surprise report that I was right all along about oil ... on what was destroying family finances, credit and prices of absolutely everything [more...]

Date: 2009-01-12 19:40:36

UK - Forestalling Foreclosure: A new role for local authorities

Forestalling Foreclosure: A new role for local authorities Source: New Local Government Network (NLGN) ... with more than one in five homes now on the market because their owners cannot afford their mortgage payments. It also coincides with a severe warning from the Council of Mortgage Lenders that repossessions [more...]

Date: 2009-01-16 02:47:45

The Top Franchise Trends For 2009

Two words will be dominating the franchise landscape for 2009: cautious optimism ... credit score, and low personal debt, will increase the chances of getting a franchise loan.  More tips ... entrepreneurial ventures. Franchise Loan Availability The financial institutions are still going through [more...]

Date: 2009-01-09 07:30:34

It Is The Bank of AMERICA After All

Just nationalize the lot of them and end this. Bank of America, the largest U.S. bank, is seeking billions of dollars of government aid after it realized that credit losses ... to report its quarterly results on January 20. "Bank of America appears to be in meltdown," said Anton [more...]

Date: 2009-01-15 16:38:00

And If The Promotion Doesn’t Yield A Sale? What’s Next?

It’s Friday desk clearing time for this blogger. “Foreclosure filings in Gallatin County have tripled since 2006, when 37 homes were foreclosed upon ... of Consumer Credit Counseling Service in Tulsa, said the past year shows that the state isn’t immune [more...]

Date: 2009-01-16 21:04:08

Trends in Business Credit Cards for 2009

Small business credit card trends The year 2008 was a rotten one for the banking business. What began as a “mortgage crisis” mushroomed into a full-blown, across-the-board “credit crisis.” This has led to banks pulling back on all types of credit, but an even greater pullback [more...]

Date: 2009-01-17 22:38:54

Deflation, Deleveraging, and the Stimulus Effect

Forecast 2009: Deflation and Recession January 10, 2009 By John Mauldin Where are we headed in 2009? We will explore that in detail over the next few issues of Thoughts from the Frontline, but today we will start with some of the larger forces which will have a major impact on the economies of the world, [more...]

Date: 2009-01-11 12:32:28

Posts about Real Estate Market Reports as of January 17, 2009

50 by Hemant Gupta - indianstockmarket.stocktips.in 01/17/2009 50 by Hemant Gupta January 17th, 2009 Buy of the Week. ACCURATE TRANSFORMERS LTD. ( ... to various SEBs including those of U.P Posts about Mortgage Market Report as of January 17, 2009 ... at these air  fares in a moment. We are certainly very happy to be here after reading this report [more...]

Date: 2009-01-17 14:24:32

Nothing Down, Nothing Forever

The Missoulian reports from Montana. “Craig Siphers had a notion that the run on real estate in the Bitterroot Valley might be slowing during the summer of 2006. But the longtime real estate agent with Hamilton’s Exit Realty couldn’t have predicted then just how far it would fall [more...]

Date: 2009-01-17 19:20:23

Trends in Business Credit Cards for 2009

The year 2008 was a rotten one for the banking business. What began as a “mortgage crisis” mushroomed into a full-blown, across-the-board “credit crisis.” This has led to banks pulling back on all types of credit, but an even greater pullback [more...]

Date: 2009-01-17 22:38:54

Is Bank of America the Next “Citi”?

Is Bank of America the Next “Citi”? This morning Bank of America hit a new 52 week low, and traded at its lowest level since 1991 ... enterprises (GSEs), the peak in the housing market, the likelihood of contagion in credit markets, and the weaknesses in the credit rating agencies’ collateralized debt obligation (CDO) assumptions [more...]

Date: 2009-01-15 15:42:49

Posts about Home Sales as of January 16, 2009

Roger Waters (b. 1943) - Pink Floyd - markalburgermusichistory.blogspot.com 01/16/2009 Roger Waters (September 6, 1943, Great Bookham, Surrey near Leatherhead, UK) is an English rock musician; singer, bassist, guitarist, songwriter, and composer [more...]

Date: 2009-01-16 14:21:18

Banks’ Loan Losses Could Reach $2 Trillion

It is little wonder financial markets are taking a beating ... that investors and financial institutions are potentially sitting on from bad loans. Estimating loan ... look at losses on U.S. loans, not the bad mortgages and debt sitting in places like Europe [more...]

Date: 2009-01-15 18:04:50

Banks? Loan Losses Could Reach $2 Trillion

It is little wonder financial markets are taking a beating ... that investors and financial institutions are potentially sitting on from bad loans. Estimating loan ... look at losses on U.S. loans, not the bad mortgages and debt sitting in places like Europe [more...]

Date: 2009-01-15 17:06:33

The Smell Of Panic In The Air For The Economy

Financial crisis affecting the entire world now, no end it sight for this recession, job losses mounting, a new deal will be unsuccessful, ... in the economy. The official Labor Department report was that in December there was a massive 524,000 decline [more...]

Date: 2009-01-16 10:28:58

Real Estate investing using owner financing

Real Estate investing using owner financing by Doc Schmyz Owner financing often produces a winning situation for both the homeowner who is selling the property and for the buyer who is purchasing the property. Owner financing may be defined as the situation when a seller is willing to help finance a real estate transaction by creating a loan for [more...]

Date: 2009-01-17 10:17:32

January Effect for Credit But Not Equities

Good Evening: 2009 has put seven trading days into the books, and it already bears a passing resemblance to the opening days of 2008 ... is not a truth most business models prosper under, so the extension of Friday’s decline in equities [more...]

Date: 2009-01-13 03:49:07

A Good Credit Report History Is Important

A Good Credit Report History Is Important January 17th, ... the bad credit rating later in life may not be as easy as one thought. It does depend on the amount ... can be a mortgage that is always paid up on time such as car loan. However, when loans are not paid [more...]

Date: 2009-01-17 18:10:17

TARP: What Did We Get For Our Money?

Remember how, back when Congress was negotiating with the Bush administration over the terms of the bailout, ... that will determine that answer. In terms of Treasury's investment, it seems clear we got a bad deal. TARP [more...]

Date: 2009-01-16 17:34:45

MICROCAPITAL.ORG STORY: Inter-American Development Bank (IDB) Approves USD 7 Million Loan for Salvadorian Housing Fund Fondo Nacional de Vivienda Popular’s (FONAVIPO)

The Inter-American Development Bank (IDB), a development financial institution (DFI), has approved a USD 7 million loan for the Fondo Nacional de Vivienda Popular (National Fund for Housing a.k.a. FONAVIPO) in El Salvador. The program was established to assist low-income individuals and families in acquiring homes. The IDB has invested USD 70 million in housing for low income families in El Salvador since 2001 . [more...]

Date: 2009-09-30 03:11:40

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