Things Stopped Selling, But They Didn’t Stop Building

The Sublette Examiner reports from Wyoming. “Sublette County has not only avoided the housing-market crash, it has remained protected from global economic instability. Jeff Patterson, 1st Bank president, pointed out there are no troubled banks in Wyoming, ‘particularly in our area, [more...]

Date: 2008-10-02 15:51:17

Blog posts (174) | Videos (102)
 

Lost In A Sea Of Stark, Empty Houses And Vacant Lots

It’s Friday desk clearing time for this blogger. “Record numbers of Sonoma County homeowners are seeing property taxes fall, ... have been a little hard to swallow.’” “Bob DeKeulenaere says junk cars in his neighbor’s yard prevented [more...]

Date: 2009-01-02 17:57:28

Joe Strummer: My thoughts on the looming crisis

“Joe Strummer” is the pseudonym of a frequent commenter on BloodhoundBlog ... getting anything in return, it’s called inflation. Now, $1.2 trillion in new currency is bad, but not nearly as bad as when the Fed loans money to banks at a .5 interest rate. The Fed simply is printing [more...]

Date: 2008-12-21 03:05:51

Mortgage Market Week in Review

Well, believe it or not, we’ve made it through another week.   And wow, what a week it’s been ... now the risks to the economy from the credit crisis significantly outweigh the risks to the economy ... ). 3. The “it’s not so bad” syndrome started taking hold on Wednesday.   What’s that?   I guess I’ [more...]

Date: 2008-07-18 14:47:31

Congress Tackles the Risky Loan Shortage

Here's the New York Times summary of the housing legislation Congress is on the verge of approving: The centerpiece of the Senate package is a rescue-refinancing plan aimed at stemming the tide ... provide benefits for first-time buyers, who would receive a refundable tax credit of up to $8,000 [more...]

Date: 2008-06-25 13:59:34

McCain's New Plan

I'm not an economist, so maybe I just don't understand its true brilliance, ... . He said, "I would order the Secretary of Treasury to immediately buy up the bad home loan mortgages ... ." The government would convert failing mortgages into low-interest, FHA-insured loans.So the government would [more...]

Date: 2008-10-08 19:15:06

Confusing Consumption With Investment

People are now waking up to the fact that what that real estate investment guru was pitching at the seminar wasn’t necessarily an "investment": ... credit report Mortgage for people with bad credit Credit card machine to buy Free credit report ... home loan rate refinance Bad credit home improvement loan Bad credit personal loan 1 Home interest [more...]

Date: 2008-06-24 14:10:35

Home Equity Financing Options - Should You Get a Home Equity Loan?

div style=’float: right; width: 100px; padding: 5px; margin: 5px; background-color: #FFFFCC;’font size=1font color=’#cc0000′bTip! ... bank loans which are difficult to qualify for, you may get an equity loan with good or bad credit ... access to emergency cash may opt for an equity line of credit. However, if you are not interested [more...]

Date: 2009-01-12 15:30:50

Gold, Silver and the Great UnwindOne person accused me of "Yellow Journalism" over the first post, and numerous other people have written or commented that I have my eyes shut if I do not see manipulation. Of course I see manipulation. Manipulation is all over the place. And I have commented on manipulations every week for months on end [more...]

Date: 2008-08-16 16:12:12

(Update II: Quote from Kerry Vandell added, more background on Gotschall.) Edward Gotschall, co-founder of a former market leader in loans to people with spotty credit ... much criticism they helped expand credit and homeownership to a wider pool of consumers. Subprime [more...]

Date: 2009-01-08 17:39:53

The Speed Of The Collapse Has Been Astonishing

Some housing bubble news from Wall Street and Washington ... “According to Jay Brinkman, MBA’s VP for research and economics, the prime loan segment was hurt by so-called Alt-A loans, which didn’t require income verification for buyers with good credit.” “ [more...]

Date: 2008-06-05 18:56:09

Clip Job: Sing a Song, Sing It Loud...

Clip Job: Sing a Song, Sing It Loud... by Tony Ortega (6:00AM 11/28) Blogsgiving: How the Locals Gave Thanks by Roy Edroso (9:56PM 11/27) ... at November 26th, 2008 6:02am If you don't want more bad news, then don't read about Henry Paulson's latest ... , Paulson plans for the government to soak up a lot of bad consumer debt. But his emphasis so far [more...]

Date: 2008-11-28 15:41:38

ACORN Is Right, Lou Dobbs Is Wrong

By David Swanson In this video clip, Lou Dobbs of CNN tries to blame the community group ACORN, for which I used to work, for the crimes of Wall Street and of predatory lenders, not to mention Congress: http://afterdowningstreet.org/node/36465 Dobbs seems to oppose the proposed bailout, [more...]

Date: 2008-09-30 19:50:03

White-Knuckle Market Updates and Quotes (Updated)

The latest sightings: Money market rates doubled overnight: despite considerable central bank intervention: ... now. The downgrade of credit ratings is bad news ... yesterday after Lehman Brothers Holdings Inc. succumbed to mounting credit-market losses and filed [more...]

Date: 2008-09-16 12:30:23

Study More About Mortgage: Errors To Avoid That Can Be Expensive As A Homebuyer

Acquiring a house is exciting and overwhelming at once ... have to know that a few mortgage errors are more costly than others. Not fixing your credit is the first error ... hoping their credit won’t prevent them from having a loan is astonishing! In order [more...]

Date: 2009-01-04 10:31:05

Free HPK (High Paying Keywords) for AdSense

Googling for the topic of this post can have you looking through subscription and pay sites all day - but we managed to find an actual free list of ... $53.68 bad credit equity loan $53.38 abdominal mesothelioma $52.99 cash settlement $52.98 student loan ... school loan consolidation $76.54 college loan consolidation $74.93 car insurance quotes $74.78 aut [more...]

Date: 2009-01-06 13:12:02

All Time Low Mortgage Rates For A++ Borrowers Only

As discussed on December 31, 2008 many homeowners attempting to lower their mortgage rate apply for a refinance, ... From Lower Mortgage Rates). Unless a borrower has perfect credit (at least a 720 FICO score), adequate ... , lower credit scores and cash out refinances.  The adders can easily amount to 2% of the loan [more...]

Date: 2009-01-15 08:09:46

Guarantee Mortgage For Bad Credit

Guarantee Mortgage For Bad Credit Published by Real Estate: Mortgage Refinance Articles from EzineArticles ... and Information Buying a new home or refinancing is an exciting thing, but when you need a mortgage for bad credit things can be a little more complicated. It doesn't mean you can't secure a loan [more...]

Date: 2009-01-16 15:37:07

Mortgage Loans for Bad Credit People

In this difficult situation, finding a loan is also tough. Most lenders become more careful in granting loans ... the loan. Fortunately, there is always a chance though it is rare for bad credit people to get loan. As you can see at mortgageloansbadcredit.com, there is an opportunity for bad credit people [more...]

Date: 2009-01-14 11:14:13

The sad facts of Metro Detroit refinancing

It is the hardest thing in the world right now to tell people they can't refinance.  They can get a Michigan mortgage.  The word NO  or I can't do it  are hard words to say.  I feel bad for these people ... on their homes They have good credit They have paid their bills and mortgages on time They have jobs [more...]

Date: 2009-01-16 13:16:35

Forensic Files and Detecting Bad 401ks @ The Roundup

I came upon something quite strange and even creepy the other day ... more exciting, shall we? Like finding out if you’re stuck with a lousy retirement plan. A bad 401k ... X Finance: Here’s how to find out if you’ve got a bad 401k plan. The Sun’s Financial Diary [more...]

Date: 2008-08-03 17:38:24

Best Refinance Mortgage Rates - Ways to Qualify for a Low Refi Rate

Obtaining a low rate is a top concern for many homeowners who choose to refinance their existing mortgage ... . In this situation, you will notice a decrease in your monthly mortgage payment. Homeowners with a bad credit ... . For this matter, lenders will not offer you a super low rate on a refi mortgage with a bad credit history [more...]

Date: 2009-01-15 04:45:36

Trepidation About Quantitative Easing, Version 2.0

The Fed made official its move to quantitative easing today, and said it will take no prisoners until it has lowered rates and credit spreads further ... Securities Loan Facility to facilitate the extension of credit to households and small businesses [more...]

Date: 2008-12-17 10:28:49

Mortgage Crisis Solution Excluded From Bailout Plan

As lawmakers continue fighting on Capitol Hill over a $700 billion taxpayer bailout for banks and lenders on Wall Street, ... the government owns all those bad mortgages doesn’t mean it can do a massive restructuring to make them [more...]

Date: 2008-09-25 12:39:57

When You Shrink The Gold Mine In California

The San Francisco Chronicle reports from California. “As home values continue to plunge, the real estate valuation service Zillow said that 20 ... in a refinancing,’ he said. ‘For homeowners who did that, the amount of equity in their homes is even less than [more...]

Date: 2008-11-12 22:06:39

Refinance Fees You Need to Avoid

If you are in the process of shopping for a home loan there are a number of Refinance Fees you need to avoid if you don’t want to ... paying too much for your next mortgage loan. Refinance Fees When refinancing your home mortgage loan ... an eye out for when refinancing. At the top of this list is the so called “rate lock fee.” Lenders [more...]

Date: 2009-01-11 20:49:27

Cinderella, Your Pumpkin Is Ready

Some housing bubble news from Wall Street and Washington. “Existing-home sales fell 2.6 percent to a seasonally adjusted annual rate1 of 4.86 million units in June, 15.5 percent lower than the 5.75 million-unit rate in June 2007. Total housing inventory at the end of June rose to 4 [more...]

Date: 2008-07-24 16:38:33

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

What Are the Pros and Cons of Adjustable Rate Mortgages - Is an Adjustable Rate Mortgage Good For Me

What Are the Pros and Cons of Adjustable Rate Mortgages - Is an Adjustable Rate Mortgage Good For Me Posted by Dark Spider at January 5, ... or refinance. While whats good and bad about these loans is usually dictated by the borrowers situation ... mortgage. What this will do is give you a lower monthly payment and extra money every month [more...]

Date: 2009-01-05 12:08:09

A Tsunami Of All Tsunamis

The McLean Connection reports from Virginia. “By all accounts, ... Department of Housing and Community Development report says, ‘and lead to tightened credit standards that limit homeowners’ refinancing and resale opportunities [more...]

Date: 2008-07-03 13:37:30

How To - Home Mortgage Refinance With Bad Credit

How To - Home Mortgage Refinance With Bad Credit Jan 12th, 2009 by Afiya If you have bad credit and are looking into a home mortgage refinance, ... to assist you in a refinance. Do you even apply in the “bad credit” category? If these statements below are true, your answer should be yes. -Do you have a credit score of 615 or lower? -Have you [more...]

Date: 2009-01-12 03:15:15

Wall Street Breakfast: Must-Know News

BoJ cuts interest rates. In a split decision of five-against-four, and under pressure from the government, the Bank of Japan cut its benchmark interest rate to 0.3% from 0.5%. A former BoJ board member said the rate cut, the first in seven years, "will probably do little to prop up the economy" [more...]

Date: 2008-10-31 11:12:09

Getting help on Cash out Refinance Home Mortgage loan

Amazon.de Widgets When you need money for any purpose, one source from where you can get it is cash out from refinancing your home mortgage that you can work out with the agreement of the lender. When you get the lender’s approval on this idea, you can get additional money above and beyond the balance of your existing mortgage loan. [more...]

Date: 2009-09-29 12:42:28

Ground-Up SEO Content Development as Pure Business Strategy

Ground-Up SEO Content Development as Pure Business Strategy Moderator: Gillian Muessig 
Speakers:
Heather Lloyd-Martin, President, North American Division, SuccessWorks
Matt Tuens, Founder & CEO, Heather-LLoyd Martin: • Today we will discuss SEO content through the sales cycle. • Why build content? • Why focus on content? [more...]

Date: 2008-11-12 20:59:57

01.16.09

01.16.09   The average FHA mortgage rate for a thirty-year home loan dropped below 5% this week ... home refinancing boom.    Today, the biggest obstacle for most borrowers is credit.  In many cases ... with good or bad credit can qualify for a FHA home loan that is fixed for thirty years.  The most [more...]

Date: 2009-01-16 16:08:39

Appraise This: An Examination of Real Estate Appraisals

Note: The ring above is not the ring in question. When something bad happens, we want someone to blame ... in too low to move forward with refinancing can be absolutely arresting – especially if it means tighter [more...]

Date: 2008-12-12 20:42:05

Words from the (investment) wise 12.28.08

Investors spent the holiday-shortened Christmas week in an un-merry mood, digesting more gloomy economic data and taking stock of a tumultuous 2008 ... s exuberance), but also still be battling with the implications of the credit crisis for the global economy [more...]

Date: 2008-12-28 12:31:33

The Student Debt Dilemma

mediocre student, so I can understand why I wasn't accepted there; but the other school that rejected me was a huge state school ... . This is too bad, because variable tolling is an excellent public policy. Here’s why: the basic economic [more...]

Date: 2009-01-08 06:59:00

Wall Street Breakfast: Must-Know News

Europe's funding risks. Over the next three years, around $2.1T of European corporate and bank debt will mature, creating 'substantial refinancing risk ... a year - even if it were shut out of the credit markets. "Given the continued volatility [more...]

Date: 2008-11-11 12:20:07

Wall Street Breakfast: Must-Know News

Europe's funding risks. Over the next three years, around $2.1T of European corporate and bank debt will mature, creating 'substantial refinancing risk ... a year - even if it were shut out of the credit markets. "Given the continued volatility [more...]

Date: 2008-11-11 12:20:09

The Pull of the Credit Card

a rundown of The Housing and Economic Recovery Act of 2008.  Part of this new legislation is a zero interest loan, disguised as a tax credit, for first time ... 9, 2008 and July 1, 2009, we will qualify for the credit.  I have mixed feelings about it though [more...]

Date: 2008-08-07 11:00:44

My Stock Market and Real Estate Predictions For Year 2009

Goodbye 2008 and Good Riddance - Hello Year 2009! Happy New Year everyone! ... way out by blaming the credit crisis and current economic woes on the Bush administration ... on the wrong culprits. The primary blame should be placed on ourselves - the credit and home hungry [more...]

Date: 2009-01-02 03:50:28

California Assembly Passes Foreclosure Reform Bill But More Needed to Protect Future Borrowers from Predatory Loan Practices

By Frank D. Russo Legislation that would reform the foreclosure process in California for the benefit of homeowners trying ... vote to pass. Credit Perata and others for working out a viable bill that has been able to make [more...]

Date: 2008-07-01 16:15:44

Jumbo Refinance Mortgages from Sub Prime Lenders for Borrowers with Bad Credit

Jumbo Refinance Mortgages from Sub Prime Lenders for Borrowers with Bad Credit Posted by Dark Spider at January 3, ... Mae and Freddie Mac (currently $417,000 for single family homes). Jumbo loans, bad credit mortgage ... . As a result, even if you have low credit scores, you may still be able get a jumbo refinance loan [more...]

Date: 2009-01-03 06:07:48

Financial Forecast for 2009, Considering Resource Limitations

In this post, I consider some major issues contributing to our current financial problems, before making a financial forecast for 2009. These are 1 ... from the bottom: Layer 1. Household Debt (Mortgages, auto loans, credit card debt, student loans [more...]

Date: 2009-01-06 15:10:32

Prices Are Still Falling With The Economy In California

The LA Times reports from California. “Southern California home sales rose last month for the first time in nearly three years, ... affordable neighborhoods that were bought or refinanced near the price peak with lousy mortgages,’ said [more...]

Date: 2008-08-18 20:17:02

Bill Consolidation Company - The Best Time to Consolidate Debts

Choosing the best time to consolidate debts depends on many factors ... consolidation may be a way to avoid bad credit. Even if your credit score has already declined, a debt ... will report third party assistance on your credit report. If this information is included [more...]

Date: 2009-01-16 07:08:07

50 Ways to Save Money for the Cash Strapped Consumer

Times are tough. The stock market had its worst week ever last week and now is the time to make sure that you make it through the rough years bound ... that you might want to consider saving money in this bad economic climate. 1. The little things matter [more...]

Date: 2008-10-14 20:10:15

Why So Little Self-Recrimination Among Economists?

Why is it that economics is a Teflon discipline, seemingly unable to admit or recognize its errors? ... and Freddie; Henry Kaufman warned how consumer and companies were confusing access to credit (which [more...]

Date: 2009-01-12 09:21:07

Refinance After Bankruptcy

Refinancing your mortgage after bankruptcy is actually the same as replacing it with an entirely new mortgage. The most common reason for refinancing your mortgage after bankruptcy is to get a lower interest ... will consider refinancing your mortgage after bankruptcy because the risks involved in refinancing [more...]

Date: 2009-01-14 22:30:34

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