Save Thousands By Negotiating Your Loan Rate With Your Mortgage Lender

My wife and I have recently applied and been pre-approved for our first mortgage.  We are moving to a new state this winter ... , application fee, and credit report costs, but these costs are separately listed in most closing cost ... and actually flourished during the current credit crisis and subprime mortgage mess.  We were offered [more...]

Date: 2008-11-20 13:45:27

Blog posts (69) | Videos (5)
 

GMAC Now Officially Requires 700-Plus FICO Score For New Car Loan [Financiapocalypse]

The Financiapocalypse continues. We just received a copy of an e-mail that went out at GMAC, the lending arm jointly owned by GM and Cerberus, ... : you'll now need a minimum 700 credit bureau score to get a car loan at dealer invoice or below from GMAC ... consumers who have a minimum 700 credit bureau score, with an advance rate equal to or less than [more...]

Date: 2008-10-13 22:20:00

Rise in Overdue Mortgage Payments

In the first three months of this year more than a fifth of homebuyers in the UK, who have a chequered credit history, have fallen behind on their mortgage payments and even those with top-quality ratings have seen a statistically significant rise in delinquencies. New research from Standard & Poor’s is based on the behaviour of homebuyers, whose loans have been packed in to mortgage-backed-securities, accounting for 80 percent of the £43bn sub-prime mortgage market. [more...]

Date: 2009-09-25 03:11:53

Apple Keynote Liveblog Starts Now!

Thanks for reading the MacWorld Live Blog! The last few posts are up on the main page, but if you want the full live blog, ... mil accounts with credit cards. 10:23 AM Environmental report card: new Macbook Pro is EPEAT Gold ... today. 10:26 AM iTunes Plus. DRM-free, higher bit-rate, and one click upgrades (all the old features [more...]

Date: 2009-01-06 16:48:14

Lennar's "Peace-Of-Mind Job Loss Mortgage Payment Protection Plan" .... by gimleteye

.fullpost{display:inline;}"New mortgage protection plan available for buyers" ... is this going to improve my stress level or credit rating? Not to worry, Lennar promises its "everything [more...]

Date: 2009-01-16 12:36:00

Fed’s Bubble Trouble Will Cause Rates to Spike and Spawn Hyperinflation

A few weeks ago, when the U.S. Federal Reserve announced a strategy designed to bring down long-term interest and home mortgage rates through ... of U.S. Treasury bonds rise while their underlying credit quality is deteriorating faster than Bernie Madoff’ ... . Just as the U.S. government issues mountains of new debt to finance the multi-trillion annual de [more...]

Date: 2009-01-14 14:30:03

10% OFFICE VACANCY RATES IN EVERY MAJOR AMERICAN CITY…now building owners are struggling to pay their mortgages

from the NEW YORK TIMES: As Vacant Office Space Grows, So Does Lenders’ Crisis Michael Stravato for The New York Times MainPlace, ... from banks to the credit markets will make that difficult — even for borrowers who are current [more...]

Date: 2009-01-05 07:03:47

Buzz Out Loud 861: Ice blue and the hot breaths

We've got a host of Black Friday news today, like Apple retail stores matching online promotions; Sony still refuses to lower the price on the PS3, but they will let you get a PlayStation credit card and a $150 discount (along with whopping interest rates, of course, so pay that sucker off right away, mmkay?); and Nintendo has a couple of new [more...]

Date: 2008-11-26 19:49:00

Wall Street Breakfast: Must-Know News

Fed cuts to 1%. In a unanimous decision, the Fed dropped its key fed funds target to 1% from 1.5%, while the discount rate fell to 1.25% from 1.75% ... and will act as needed to promote sustainable economic growth and price stability." New in its statement ... " to moderate. Fed moves free cash. Credit markets continued to thaw Thursday after the Fed [more...]

Date: 2008-10-30 11:19:54

Small Bizs Feeling the Chill

The New York Times: Some small companies say they are no longer able to get loans from newly cautious banks as credit tightens across the country, ... credit — at 30 percent a year. Mr. Snyder does not want to borrow much at that rate. “ ... , the Census Bureau reports, and they outpace large companies in generating new jobs. Photo by Kevin Moloney. [more...]

Date: 2008-10-07 15:08:55

Job losses clearly becoming #1 economic issue

Worrying about the credit crunch and falling home prices? That's just so...2008. For 2009 we've got a new worry: a job market in free-fall ... low mortgage rates won't lead to higher home values and increased home sales as long as 500,000 people ... are reporting that they are cutting pay of their employees in response to the difficult environment [more...]

Date: 2009-01-09 20:30:50

Moody’s to Introduce New Spokesmoose to Repair Image

Come on Down to Moody's HQ to Meet Raytee! If anyone has a public relations problem, it’s Moody’s (MCO) , once a well-respected bond ratings service, now DC’s favorite whipping boy for its role in the credit meltdown.  Between Buffett ’s dumping of the company’s stock and Greenlight’s David Einhorn pitching it as an investment short, management at Moody’s has decided to play a little offense. [more...]

Date: 2009-09-26 18:47:14

Beware! Downadup virus exposes millions of PCs to hijack

.fullpost{display:inline;}LONDON, England (CNN) -- A new sleeper virus that could allow hackers to steal financial and personal information has now ... mechanism to monitor an exponential infection rate, despite Microsoft's issuing of a patch to fix ... information or credit card details.Who is affected?We have large infections in Europe, the United States [more...]

Date: 2009-01-16 20:00:00

Widespread Mortgage Refinance (Good Credit Doesn’t Pay)

Mine won’t be one of the three million mortgages expected to get a new deal via The Bailout ... , to have the right numbers on our credit report. AND a month later when every headline ... , and took the best mortgage deal we could get. Who Wouldn’t Take an Adjustable Rate Mortgage? Because [more...]

Date: 2008-10-30 13:35:53

Looking for work? Maybe you should move

The odds are too high right now that you’re either looking for a new job or worried that you’re about to lose your current one ... is exactly what the U.S. Census Bureau said happened in 2008. If you’re one of the many ... rate stood at a far more depressing 6.5 percent. Much of the credit for Madison’s low unemployment [more...]

Date: 2009-01-09 14:10:21

Second, and Possibly Third, Stimulus on the Way as Unemployment Poses Next Major Hurdle for the Economy

With gross domestic product plummeting and the jobless rate at a 14-year high, U.S ... have been reluctant to admit that this cycle, unlike 1998’s credit crisis, is imbedded in the real economy ... send you an important new report for free: “The Three Best Investments in Asia.” [more...]

Date: 2008-11-12 15:23:47

Will Gupta's ratings explode with Surgeon General nod? -- Michael Collins

The appointment of television celebrity, Dr. Sanjay Gupta, MD, ... an interview to Jenny Anderson of the New York Times in Feb. 2007. When asked about the high risk credit [more...]

Date: 2009-01-12 06:03:00

Five Ways To Make Any Financial Resolution A Success (Guest Post From J.D. Roth)

This guest post is from one of Wesabe’s new Advisory Board members, J.D. Roth, who writes about smart personal finance at Get Rich Slowly ... or credit union. Check out this huge list of rewards checking accounts by state for rates as high [more...]

Date: 2009-01-08 17:07:44

Foreign Cenbank Agency Debt Selloff Accelerates Inexorably

"New intrigue will arrive in the late afternoon when the Fed releases its balance sheet, an exercise it does usually every Thursday at 4:30 p.m ... with a sharp widening in credit spreads between agency debt and Treasuries. The widening prompted ... spreads have tightened sharply since the announcement, helping to drive mortgage rates down [more...]

Date: 2008-11-29 07:01:50

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