Get The Best Home Mortgage Loans

by John Bear Planning to refinance your current mortgage? There are actually several options that are available for you ... , receiving cash out at closing, and so many others. Since home loan refinancing would involve taking a new ... makes you uncomfortable, you can now obtain a loan, which needs minimal documents. The best way [more...]

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

Blog posts (44) | Videos (33)
 

How The Right Amount Of Economic Weakness Can Help A Home Buyer

After a weak holiday shopping season, annual retail sales declined in 2008 ... , countering the inflationary impact of government stimulus and direct intervention. Inflation, you'll ... of a new home loan. For active home buyers or people entering the market this Spring, therefore [more...]

Date: 2009-01-15 16:30:00

How The Right Amount Of Economic Weakness Can Help A Home Buyer

After a weak holiday shopping season, annual retail sales declined in 2008 ... , countering the inflationary impact of government stimulus and direct intervention. Inflation, you'll ... of a new home loan. For active home buyers or people entering the market this Spring, therefore [more...]

Date: 2009-01-15 16:30:00

Why a Mortgage Professional Beats a Banker Every Time — The Story Tells It All

The best way to explain why a mortgage professional is always better than a banker is to use an anecdote ... to you) that included plenty of hassles over paperwork, they agreed on a loan for their new home ... - they decided to apply for a bridge loan (more on bridge loans later). This would take the equity [more...]

Date: 2009-01-15 18:28:01

2nd home mortgages

2nd home mortgages start a new loan account by paying off the first mortgage ... have on your existing mortgage and present debts, such as your credit cards, that this would be a good way ... and checking your credit reports should be followed.Its fee includes settlement costs, discount points etc [more...]

Date: 2009-01-14 03:52:19

The Pros and Cons of Loan Modifications

As announced by this new press release , my law firm has begun offering loan modification services in addition to tax debt resolution. As the country’s economy continues to lag, and more and more jobs are being cut, thousands of families are turning to loan modifications to stay in their homes. Unfortunately, there is a lot of confusion in the industry, so to help my blog readers who might be considering a loan modification I have put together the following list of pros and cons. [more...]

Date: 2009-09-02 00:14:00

Recent Bankruptcy? It’s Not Impossible to Obtain a Home Loan

Because the new bankruptcy laws go into effect on October 17, 2005, more Americans than ever are filing for relief using the federal bankruptcy laws ... discharge. Ironically, some those that would not previously qualify for a mortgage do qualify after ... payments. The DTI* (debt-to-income) ratio of this person is 81.25%. Since his credit score is low [more...]

Date: 2009-01-15 00:11:26

Nevada Mortgage - How Much Can I Borrow?

This is typically the first question our Las Vegas Mortgage clients ask when applying for a new home loan ... , type of credit borrowed, and recent inquiries. Debt-to-Income Ratio The (DTI) is calculated ... The DTI would be 42%. Most mortgage guidelines require a 45% or lower Debt-to-Income ratio. Loan [more...]

Date: 2008-12-31 21:02:55

Sacramento New Homeowner Tax Tip

Hey, congratulations on buying a home or condo this past year.   Do you know what is deductible on your taxes if you are a new homeowner? ... points on the same loan would be $2250. On VA and FHA loans, points are often broken down into two ... can deduct points used to obtain a mortgage loan when buying a home or condo, mortgage interest paid [more...]

Date: 2009-01-05 13:00:45

Fed's Latest Rescue Package Throws Lifeline to Home Buyers

According to this Reuters article, the Fed announced a new rescue package of $800 billion USD to lower the cost of home purchases, credit card and student loans. Under the new mortgage program, the Fed will buy up to $100 billion of debt issued by government-sponsored mortgage enterprises Fannie Mae, Freddie Mac [more...]

Date: 2008-11-26 09:12:56

Thinking Of A Mortgage Loan Modification? Evaluate Your Current…

Homeowners have different reasons why they need a mortgage loan modification. Many are prompted to apply for a new loan because of lower interest rate. Some are changing from adjustable rate to fixed rate. Others want to tap the equity of their home for home improvement, take a vacation or pay for college tuition.But whatever it is, mortgage refinancing provides an opportunity to save money. But how will you know if you can really save by refinancing your current loan. [more...]

Date: 2009-09-29 17:48:03

T3leads Review - A Unique Affiliate Network with Big Money Claims

New affiliate networks seem to pop up everyday and it can be quite a chore determining which ones are actually worthwhile ... , debt relief, home improvement, home loans, debt settlement, and credit repair. There are public ... . Today I’d like to review T3leads, a pay-per-lead affiliate program that sells generated leads [more...]

Date: 2008-08-20 22:21:15

Chase pulls out of Wholesale Lending with Mortgage Brokers

I just received this memo from Chase: “Home lending remains an integral part of our firm’s overall financial strategy, and as such, ... -originated loans acquired from Correspondent lenders. Our new strategic direction is supported ... decision, we will no longer accept any new locks and registrations from or purchase any loans [more...]

Date: 2009-01-13 20:24:21

Wall Street Breakfast: Must-Know News

New acronym on the block... The government unveiled its newest initiative, called TALF, or Term Asset-Backed Securities Loan Facility. The $200B facility will support consumer finance, including student, auto and credit card loans ... Mac (FRE) and the Federal Home Loan Banks. According to the statement released by the Fed [more...]

Date: 2008-11-26 12:14:47

Equity Line of Credit:Is this the Answer to Your Financial Needs?

by Doc Schmyz We all know by now that home owners have a hidden savings account…its called HOME EQUITY ... Line of Credit? With a typical loan, which deposits a set amount of money in your account and begins ... asking for a new loan when you have paid it back. What can the HELOC be used on?? We can all find [more...]

Date: 2009-01-05 19:12:07

Policy makes take aim at inflated appraisals

By Les Christie CNNMoney.com NEW YORK (CNNMoney.com) ... was that appraisers, pressured by loan officers and mortgage brokers, kept hyping home values. Not only did homebuyers wind up paying more, but the exotic mortgage products they needed to finance [more...]

Date: 2009-01-14 11:38:44

Home Values Drop $2 Trillion in ‘08

As we all know, no sector of the economy has been hit by the recession as hard as the housing market ... in a home loan is a major problem. If you need to sell your home but can’t sell it at a price ... with more debt than assets. But finding a solution will undoubtedly be a focus for the new administration. [more...]

Date: 2008-12-15 15:57:55

Sen.-Elect Tom Udall Opens Three Offices to Serve New Mexicans

Constituent services are important for every member of Congress and U.S ... with include: Veterans: Problems with veterans' benefits, eligibility determinations, VA home loans ... checks. Housing: Problems arising with housing vouchers, federal loan programs and HUD. Immigration [more...]

Date: 2009-01-05 22:42:13

Re-default nation

The big question looming over the push to rewrite the home loans of people struggling to make payments is whether or not such mortgage ... % of all first mortgages in the U.S. Dugan called the results, part of his agency's new Mortgage Metrics report ... numbers to have since historically we haven't—and problem solving often starts with data collection [more...]

Date: 2008-12-08 17:35:26

Best Lecture Bet: An Evening with Gertrude Jekyll

Permalink :: Comments Beige: The Color of Gloom and Doom The Federal Reserve’s latest Beige Book takes a bleak look at the region’s economy, ... . Manufacturing weakened. Home sales decreased. Bankers reported a decline in loan demand. That’ ... , Nebraska, Oklahoma, Wyoming, and parts of Missouri and New Mexico, according to the Denver Business J [more...]

Date: 2009-01-15 16:15:56

Wilmington NC Mortgage

If ever discussing loans, it should be done with an established company like Wilmington NC ... should come to this point you need more money for a new home, car, job or traveling or other kind of self education, you can use the loan calculator here http://www.alphamortgage.com/loan_calc.php [more...]

Date: 2009-01-01 22:46:00

Are mortgage rates heading lower

As the stock market gains new ground investors are looking to short rates as a marker for future interest rates ... . As applications for home loans have actually seen an increase. This is a good sign for those who provide debt consolidation loans, as more people are now getting back into the market to look to lower [more...]

Date: 2009-01-10 13:42:54

Bills Catch-up

I have just moved into a new home. However, the closing costs and moving expenses have put me a couple of months behind. I need money now to get caugh-up on my household bills to include phone, utility, cable and other misc, bills. I need a grant or even a loan which I will gladly re-pay next month when my tax return [more...]

Date: 2009-01-16 01:19:52

Letting go of the old and moving on to the new

Welcome to 2009.2008 was quite a year for us. So many exciting things happened, there are things that I haven't even written about yet. Yikes! ... for something NEW!Debt reduction and elimination is our other main focus this year. This is the continuation ... of credit card addiction. It's that other debt we are looking at now: student loans, home equity [more...]

Date: 2009-01-05 04:25:00

Puygrenier cleared for action

Puygrenier cleared for action 15 January 2009 - 6:47pm via Bolton - ESPN Bolton's new loan signing Sebastien Puygrenier will go straight into ... the squad for Saturday's match at home to Premier League champions Manchester United after receiving international clearance. » login or register to post comments Bolton Wanderers [more...]

Date: 2009-01-15 18:47:55

All Your Home Loans Are Belong To Us To Boost Liquidity

"The Federal Reserve Bank of New York started buying mortgage-backed securities today as part of a $500 billion program to support the U.S ... . housing market." ∙ New York Fed Begins Purchases of Agency Mortgage Debt Bloomberg ... [more...]

Date: 2009-01-05 15:05:08

Paulson's New Program: Giving People Money They Can't Afford To Spend

The news is as old as the Magna Carta. The consumer is broke. He does not have a dime. He is out of work. He is defaulting on his home equity loan, and the bank has reposed his credit card. It may ... of auto loans, student loans and credit cards." The head of the Treasury is concerned that people [more...]

Date: 2008-11-25 10:50:07

Lending Club P2P: Review of New Post-SEC Changes, Free $25 Lender Bonus

Now that LendingClub has finished their SEC filing and is one of the only P2P lenders currently operating ( ... 660 with a debt-to-income ratio (excluding mortgage) below 25%. In addition, your credit history ... you get. Then you can simply compare this rate with your other options - credit cards, home equity loans [more...]

Date: 2008-12-14 14:30:58

Teague gets spot on Veterans’ Affairs committee

Harry Teague, freshman representative from New Mexico’s 2nd Congressional District, received a spot on the Committee on Veterans’ Affairs ... concerning veterans and the Department of Veterans Affairs (VA). The committee also works on such issues as health care, disability compensation, GI bill education and job training, home loan [more...]

Date: 2009-01-14 18:06:05

One in 54 Homes Entered Foreclosure in 2008

One in 54 Homes Entered Foreclosure in 2008 Some interesting new statistics were published this morning regarding the state of the housing market ... stated-income loans. "Clearly the foreclosure programs implemented to date have not had any real ... in a statement. Like the troubled loans they are meant to fix, modification plans can include complex [more...]

Date: 2009-01-15 22:44:59

Thursday morning links

#fullpost{display:inline;}TOP STORIESRegulators adopt new credit card rules - APTrade-Protection Threat in China, Russia, U.S ... - MarketWatch“The Biggest Bubble Of All . . . U.S. Government Debt” - George Washington BlogMARKETS ... -Funded Downpayment Assistance" Loans - ML-ImplodeRealtors: State home prices have a brutal 2008 - SF [more...]

Date: 2008-12-18 14:13:00

Essay: Is David Gregory Liberal Enough?

The new moderator of Meet the Press is a good fit on The Olbermann Network Editor's Note: This first appeared this morning in Human Events. [ ... the $3 million per annum (in salary and bonuses) executive vice president of the failed home loan giant [more...]

Date: 2008-12-09 21:35:22

Free Helpful Advice - Can The Hope For Home Ownership Relief Act Really Help Homeowners Avoid Foreclosure?

My take on this bill is that it will be a another government run fiasco ... be at least 31 percent; * They cannot afford their current loan; * They did not intentionally miss ... the new program include: * 30-year, fixed rate mortgage; * Maximum 90 percent loan-to-value ratio [more...]

Date: 2009-01-15 07:36:03

Why Does Paulson Want Us to Keep Piling up Debt?

Bailout Nation turns to consumers today, as Treasury Secretary Henry Paulson prepares to announce a new program to encourage lending for auto loans, ... to complain when consumers finally get their turn. I know we need to get credit moving to help the economy ... the last decade piling up debt, taking out equity from their homes to spend [more...]

Date: 2008-11-25 14:40:19

Ad Watch - Hyundai Return Policy

The other night as we were watching the season premiere of 24, a startling commercial appeared ... you to walk away from your loan or lease without having to worry about negative equity. It lets you return ... at an auto factory, and he gets a chance to stay home with the kids and gain a new appreciation [more...]

Date: 2009-01-15 00:26:46

WaMu’s New $1 million 5-year 1% Balloon Loan (mod) - $878 Per Month!

WaMu takes the game of re-leveraging the home owner in order to avoid a default, foreclosure and subsequent credit loss to the next level ... and ‘proposed’ solution to the note holder of which one of the choices was a principal reduction — ... the right way.  I have swung completely over to this side of the fence as regulators, law makers [more...]

Date: 2009-01-07 15:04:20

Swindlers Find Growing Market in Foreclosures

Patti's Comments:  Just a warning to be careful out there folks! From The New York Times:  (click for entire article) ... , defrauders tried to bilk homeowners out of the equity in their homes. Now, with that equity often ... to modify loans but often do nothing to stave off foreclosure. The Federal Trade Commission brought [more...]

Date: 2009-01-15 22:23:58

Nucleus Software Wins New Client in UAE National Bank of Umm Al Qaiwain Chooses FinnOneTM

/India PRwire/ - Nucleus Software Exports Limited (NSE: NUCLEUS, BSE: NSEL) ... auto, personal & home loans. FinnOneTM, an internationally proven product solution, will provide the Bank with a comprehensive, powerful, and flexible system to support their loan origination [more...]

Date: 2009-01-05 07:45:38

Mel Preston on "Publication: A New Book 'Pakistan's Strategic Culture and FP Making"

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Date: 2008-12-05 17:52:21

New 2009 BAH Rates Released | Naval Base Kitsap | Bremerton | Bangor | PSNS | Naval Hospital Bremerton

What are you doing with your BAH? Are you giving it to the PPV/Military Housing? ... for your interest: Rent Vs Buy Calculator Buyer’s Resources Free Buyer Reports Monthly Payment Calculator Loan Programs SEARCH FOR WEST SOUND HOMES HERE [more...]

Date: 2009-01-01 23:29:29

Fewer Homes, Smaller Homes

Every municipality in Virginia bases its land use planning on the anticipated demand for new housing ... or the economic realities of student loans and credit card debt, I don't know. But it's happening [more...]

Date: 2009-01-09 10:52:00

It’s Official: New Conventional Guidelines for Ordering Appraisals

Fannie and Freddie have finally announced (I’m sure to no one’s surprise) the acceptance of OFHEO’s Home Valuation Code of Conduct which bans communication between a loan ... to ordering a VA appraisal, which is not a pleasant process.   Here’s an example from the Home [more...]

Date: 2009-01-08 00:03:25

Playing Pickup Against LeBron James

The brand new GQ magazine features a massive Joel Lovell story about the recent time when Lovell and a handful of GQ creative types piled into a van ... is basically across the street from Quicken Loans Arena, or the Q, where the Cavs play their home [more...]

Date: 2009-01-13 17:51:49

I WANT MY BAILOUT MONEY

“I Want My Bailout Money” is the first song on the new hip hop album by NaturalNews.com editor Michael Adams (the “Health Ranger”) ... like it was crack They take your car, your home, everything that you own And when you’re jobless and broke, you still gotta pay the loan If you’re thinkin of stealin some food, please don’ [more...]

Date: 2009-01-11 18:30:32

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