home equity loans: : Are Foreclosures A Good Investment? (blog)

Are Foreclosures A Good Investment?

Well, sometimes. Okay, most of the time. But not always. Foreclosures: Bargain hunters beware! Myth no ... of the country, anyone who has owned a home for even a year or two is likely sitting on enough equity to sell or refinance if the loan payments become unaffordable. Used to be true. Not so much any [more...]

Date: 2009-01-02 14:51:55

Blog posts (142) | Videos (259)

on it again

My friend just got home 1 month earlier my father, she too works in a cruise line! ... that helped millions of people with their house financing, debt consolidation and equity loans. like this company, good and renowned service must be the first thing to consider when applying [more...]

Date: 2008-11-11 14:09:18

Mortgages Market Update: 01/09

Before I begin I would like to apologize for not posting anything in a while, it has been a little crazy here in the mortgage world (thank God) ... ! If you have a mortgage that is over 6.00%, a home equity, and you are not over the limit of $625,500 (NYC and many other counties nationwide) you should contact your mortgage loan officer/broker to refi! [more...]

Date: 2009-01-02 16:45:46

on mortgage talks

A childhood friend just got home 1 month earlier my father, she too works in a cruise line! ... 1 in the states that helped millions of people with their house financing, debt consolidation and equity loans. like this company, good and renowned service must be the first thing to consider [more...]

Date: 2008-10-27 13:51:27

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

Refinancing vs Line of Credit

Refinancing vs line of credit are two popular options you have when deciding the best way to take equity out of your home. Sometimes it makes sense to establish a line of credit. But in other situations it’s better to get a cash back refinance mortgage loan. You can find out which loan is best for your situation by doing some simple math [more...]

Date: 2009-01-09 03:29:21

My Husband is Going Back to School

For the last couple years, my husband has been thinking about going back to school ... using a home equity line of credit. However, we need to consider getting a student loan. Taking [more...]

Date: 2009-01-15 13:15:58

Mortgage-backed insecurities

If you don’t have enough down payment money to qualify for a traditional mortgage, the government forces you to buy mortgage insurance ... with little (or nothing) down, you may soon be in negative equity. This is the case with about ten ... can only lend 80% of the value of a home without it, you can imagine how many loans fell [more...]

Date: 2009-01-15 02:31:53

Daftar Keyword atau Kata Kunci dengan Harga Tinggi

Sabtu, 2008 Agustus 23 Karena banyak teman2 yang mencari kata kunci apa yang paling tinggi nilainya di Google Adense, ... 114.88 24.80 mesotheloma 41.70 24.52 student loan consolidation program 58.70 24.45 california ... 159.00 27.11 google affiliate 90.48 27.11 at t wireless 172.60 26.31 100 home equity loan [more...]

Date: 2008-08-24 05:05:00

Home Prices May Be Nearing Bottom, Bank Equities to Follow?

I remain optimistic that housing is nearing a bottom ... traffic. Add to the fall in prices, the recent sharp reduction in 15 and 30 year mortgage interest rates ... news about loan losses. In my judgment, most banks in the US have been trying to get out ahead [more...]

Date: 2009-01-14 07:24:00

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

Economic Research in equity release

Economic Research in equity release You can resort to tracing any private pensions or investments that you may have lost track of ... : This loan could be a cash lump sum or a monthly income. The interest on the loan is added to the loan amount monthly or yearly. So look out for these especially. Posted in Home | [more...]

Date: 2009-01-15 18:16:03

Refinancing When You Owe More Than The Home Is Worth

I've been looking around for an answer to this but my searches haven't returned anything useful ... now, that's 50% equity even if you didn't have a down payment. So people who bought for $180,000 were refinancing ... $225,000, that's one loan at 6.25%, with a payment of $1089.82. This cuts $86.49 off the monthly [more...]

Date: 2009-01-08 09:54:12

Refinances Booming? Not As Much As You Think

Discount all the reports you read about Americans lining up to refinance their mortgages and take advantage of the lowest rates ever ... down. Only about a third of U.S. mortgage debt outstanding is likely to qualify for refinancing ... or Freddie Mac in the highest-cost areas. “The refinance boom is mostly impacting the people who need help [more...]

Date: 2009-01-16 00:46:03

The Poverty Business

Sorry if this appears to be an older article, and not latest headlines, just thought it was interesting - loki The Poverty Business Inside U.S ... into Byrider, Tsosie drove off, jubilant, in a 1999 Saturn subcompact she bought entirely on credit ... access to credit has put cars, computers, credit cards, and even homes within reach for many [more...]

Date: 2009-01-15 00:45:24

Expected Family Contribution - The Key Target When Saving For College

One of the great things about not having children is that you can make comments on the way other people raise theirs with basically no comeuppance ... : Government Institution Family (including the student) and there are two main types: Money ... (student and parents) — the EFC (expected family contribution). If the cost of tuition is more than [more...]

Date: 2009-01-06 02:17:35

Bill Gross: Investment Commentary (Jan. 2009)

In his January issue of Investment Outlook, Bill Gross, PIMCO’s CIO, wonders, after all that has been said and done: ... disguised knock-off of the New Deal?“ Better, some thought, to have followed the advice of early ... to pouring gasoline on a fire, adding trillions of dollars of new debt to a domestic and global economy [more...]

Date: 2009-01-14 22:50:44

Note to Obama, Congress on green stimulus, part 1

By Joseph Romm The green stimulus is beginning to take shape with mostly good stuff in the stocking, except one big lump of coal. The package is getting bigger -- no surprise. The Washington Post writes: Congressional leaders and Obama advisers are looking at including as much as $25 billion of energy tax credits in the economic stimulus package [more...]

Date: 2009-01-14 08:28:08

Citigroup Pieces For Sale, Starting With Smith Barney

Citigroup is likely to be broken up. The New York Times highlights the story in Rubin Leaving Citigroup; Smith Barney for Sale.Citigroup signaled a breakup of its unwieldy financial supermarket model with a possible deal to sell a share of its prized retail brokerage business to Morgan Stanley, said several people with knowledge of the discussions, [more...]

Date: 2009-01-10 09:22:00

Government Intervention in Foreclosure

This is Part Four of a series of articles on foreclosures. This article does not constitute legal advice. Foreclosure laws vary from state to state. Homeowners in financial distress should always hire legal counsel. Call your local state bar association for a referral. Reduced or free legal aid may be available in some states [more...]

Date: 2009-01-07 07:00:13

Asset and Income Rentals - Borrowing Trouble at Usurous Rates

This was originally published in 2005, but is one facet of the meltdown that is still going on, unfortunately ... it up over a period of time, or they want to know where and how you got it. Most loans should not require a large amount of assets - A paper loans, the best loans of all, want one to two months Principal [more...]

Date: 2009-01-15 14:46:07

20 Questions for the Secretary-Designate

In preparation for Secretary of Education-Designate Arne Duncan's confirmation hearing in the Senate tomorrow, ... to improve student achievement and narrow achievement gaps? How should the federal government be involved ... use of static test scores or do you favor a model that compares individual student growth from year [more...]

Date: 2009-01-12 18:37:34

Decide On Sound Audio Book Downloads

To download audio books offers many benefits to book lovers, not the least of which is that it is extremely simple. Obtain one today and you won’t be disappointed. This is recognized as an up and coming technology whose day has come. People who haven’t experienced audio books online may want to shift their outlook and consider it [more...]

Date: 2009-01-15 14:22:11

The Latest Mortgage Rip-off

The Latest Mortgage Rip-off If you or someone you know is in danger of losing their home and is considering paying someone to renegotiate their ... . Until recently, defrauders tried to bilk homeowners out of the equity in their homes. Now, with that equity often dried up, they are presenting themselves as “foreclosure rescue companies” that charge [more...]

Date: 2009-01-15 18:20:49

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 ... debt-based financial system operating. 3. Where we are now, and the role reduced resources [more...]

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

UAE banks assigned negative outlook

Financial Times: Moody’s Investors Service, the credit rating agency, has placed the United Arab Emirates banking sector on a negative outlook, ... . However, the credit rating agency added that UAE banks generally enjoy strong economic fundamentals, were ... . ... Tightening credit conditions, liquidity constraints, a collapse of regional equity markets [more...]

Date: 2009-01-15 16:23:15

Swindlers Find Growing Market in Foreclosures

January 15, 2009Swindlers Find Growing Market in ForeclosuresBy JOHN LELANDAs home values across the country continue to plummet, ... desperate to avoid foreclosure.Until recently, defrauders tried to bilk homeowners out of the equity in their homes. Now, with that equity often dried up, they are presenting themselves as “foreclosure [more...]

Date: 2009-01-15 16:57:51

FHA Mortgage Insurance Fund Down 40%

Mortgage Law Central reports today on FHA’s Oversight Capability. The House Committee on Financial Services held a hearing to look into the recent Business Week story alleging that predatory lenders are alive and well originating FHA loans. The committee listened to testimony from HUD on the approval process for FHA lenders, [more...]

Date: 2009-01-14 22:30:06

Become Familiar with Mortgage Refinance

by Madeline Hernandez Below I have mentioned some terms you may want to become familiar with to help increase your knowledge and help you become ... and Commercial Loans and Mortgage Refinance options, ARMS, Balloons etc. I was just getting started ... , the difference between Conduit and Mezzanine Loans, and so on. Most importantly, you had to find [more...]

Date: 2009-01-15 23:21:15

That Feeling Is Gone

The New Haven Register reports from Connecticut. “Sen. Christopher J. Dodd, D-Conn ... . But, ‘Your system has to be functioning. It’s not a bad idea to get equity to these institutions ... to the U.S. have viewed buying a home as the ultimate benchmark of success. Between 2000 [more...]

Date: 2009-01-06 14:45:26

Is Bank of America The Next Citigroup?

Charles Darwin's theory was survival of the fittest. The Fed's policy is Survival Of The Weakest ... of America, which has been setting aside too little reserves for its own loans, Graham Fisher & Co.’ ... been so acquisitive, they find themselves with very little in tangible equity.” As Citigroup Goes To Sleep [more...]

Date: 2009-01-15 02:36:00

My Predictions for 2009… and What I Got Wrong in 2008

Hi Guys, Happy New Year! It’s been a while since we last caught up. I hope you are well and that you had a wonderful holiday and a very happy New Year. I was on vacation for the holidays. We had a terrific break. We took our three boys to Disney World. What a treat! We go once a year usually around President’s Day weekend [more...]

Date: 2009-01-06 21:43:37

Where is John Galt? We need him, DESPERATELY!

AFTER BAILOUT, GET OUT By DICK MORRIS Published on TheHill ... equity it may acquire in these companies as a result of these funds — to influence corporate lending ... contemplated using insurance and loans, not outright grants, to shore up endangered companies. One key [more...]

Date: 2009-01-15 19:21:25

You Can Implement your own Credit Repair

by Rob Kosberg One day you realize that you are in a serious personal financial disaster situation ... of your salary that goes for necessities such as mortgage, car loans, credit card payments, utilities, other loan ... . This is the income you can devote to reducing debt. Next, decide which loans and credit cards [more...]

Date: 2009-01-14 23:27:42

In Defense of Friction

When automobile manufacturers struggle to squeeze as many miles per gallon as possible out of their car designs, any feature of the design that impedes the forward motion of the vehicle--friction, or air resistance--is the enemy. The aim is to design a vehicle that uses every ounce of fuel to move the car forward as efficiently as possible [more...]

Date: 2009-01-14 19:18:18

That is the one question we are asked every single day. Homeowners are confused with their options (or in some cases, their lack of options) ... is not doing the same tax relief as the federal government. You may have a state tax liability ... the entire debt (on your first and second loans [more...]

Date: 2009-01-15 21:07:27

What The Rise And Fall In Housing Has Done

The Ventura County Star reports from California. “Thousands of Ventura County residents were pushed out of their homes last year, and many more were left hanging on by a thread — a situation exacerbated by mounting job losses. In Ventura County, December foreclosure filings surged 37 percent from November and 97 percent from a year ago, [more...]

Date: 2009-01-15 18:16:59

INDYMAC BANK SALE PROVES TWO THINGS: WE'RE AT THE BOTTOM, AND WE'RE BEING SCREWED!

From Reliapundit at the Astute Bloggers:THE GOOD NEWS IS THEY'RE BUYING, NOT SELLING:AP: ... bust, for $13.9 billion.IndyMac, which specialized in loans made with little down payment or proof ... , co-chief executive of private equity firm Dune Capital Management, agreed to buy IndyMac in a deal [more...]

Date: 2009-01-09 01:11:00

Mystery: Luxury Newseum condos became rentals

Al Neuharth started Freedom Forum in 1991 with $650 million provided by Gannett stockholders after his retirement as chairman and CEO. Employees built the fortune over 50 years in the original Gannett Foundation. This is part of a series on Neuharth's stewardship of that money, now held in his Freedom Forum foundation [more...]

Date: 2009-01-08 16:22:00

NEWS WIRE: Uganda: Interest rates still high despite competition

Source: Daily Monitor. Original news wire here. Competition for customers and space in urban areas heightened, this year, ... by Bank of Uganda, United Bank for Africa (UBA) and Equity Bank from Kenya which bought 100 per ... shop in Kampala last year and Global Trust Bank from Nigeria. Equity’s takeover widened [more...]

Date: 2009-01-15 05:01:33

Forecaster Watts eyes slow recovery for pricier O.C. homes

Eyeball 2009 — two weeks-plus of daily Orange County real estate outlooks — comes to an end this day! (Entire series is HERE!) Hope you enjoyed it! ... get a report from the Orange County Tax Collector letting us know how many homeowners failed to pay [more...]

Date: 2009-01-06 19:00:45

Online Car Loans

We all love the Internet. We love the convenience of online shopping because it’s fast and easy to buy anything, ... of generic auto loan brokers with websites as well. Many will claim to guarantee you the lowest ... . That is not to say that you cannot possibly find a good rate for your auto loan online [more...]

Date: 2009-01-15 23:52:41

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

Mortgage rates: First-time buyers are missing out on low-cost deals

Nationalised bank Northern Rock announced today it was only passing on half of last week's interest rate cut to its variable rate mortgage ... nationalised last year, is yet to announce its plans. A flurry of new low-cost home loans ... with the bank. Barclays has cut its fixed-rate mortgages to 3.79% for borrowers with 60% equity [more...]

Date: 2009-01-14 15:18:17

Using Good Debt to Pay for a House, Car, or Education

Hello again! Cate here, talking, as usual, about debt. The point of my series here at QueerCents is to talk about the dangers of getting into debt ... that will produce concrete benefits to your life. The bad kind of credit card debt that I’ve talked about often ... benefit. I’ve had both kinds: Bad Debt: $5,000 credit card debt from living beyond my [more...]

Date: 2009-01-16 02:45:14

Information On How To Profit From Pre-Foreclosure Homes

by Colon Bolden After you locate a pre-foreclosure home, you can then negotiate with the bank for a loan ... can lead to a bad deal if the previous owners stay in the home. If the homeowners insist on staying ... and have significant equity in the property, offer a partnership arrangement wherein the partnership owns [more...]

Date: 2009-01-14 21:14:08

Devise your own Credit Repair Plan

by Rob Kosberg One day you realize that you are in a serious personal financial disaster situation ... , and credit card statements, mortgage and insurance records. Locate debt worksheets on the internet ... debt. Decide which credit cards, and loans that you will pay down in order. For the first [more...]

Date: 2009-01-14 23:03:41

Refinancing Your Property with Less Income Then You Had When You Bought

Hello, When my husband and I bought our home 2.5 years ago (two bedroom condo) we qualified for the loan ($250,000) based on both our incomes. Then I had a baby and stopped working. We've never missed a payment or even been late, and we're getting by just fine by being frugal [more...]

Date: 2009-01-12 14:37:32

Debt-Financed Consumer Spending Spree?

From the Wall Street Journal article "Hard-Hit Families Finally Start Saving, Aggravating Nation's Economic Woes": ... " and you get 600 results, and for "credit card nation" you get almost 400 results. But the consumer debt data ... Rick and Noreen Capp recently reduced their credit-card debt, opened a savings account and stopped [more...]

Date: 2009-01-08 14:56:00

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