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reo: Register to Receive FNMA Single-Family E-mail Updates, Alerts, and Newsletters - 10/02/08 09:38 AM
Register to Receive FNMA Single-Family E-mail Updates, Alerts, and Newsletters To give you more options for receiving communications from Fannie Mae, they have enhanced their e-mail registration process. You can now register on eFannieMae.com to receive the latest single-family mortgage business updates, alerts, and newsletters by e-mail, including: Selling Policy Updates: includes Guide Announcements and Lender Letters for originating, underwriting, and securitizing; Servicing Policy Updates: includes Guide Announcements and Lender Letters; Desktop Originator® Updates; Desktop Underwriter® Updates; Single-Family Hot Topics Alert; and In The Loop Newsletter. Please note that if you are currently subscribed to receive In The Loop, you (0 comments)
reo: What's in that big bailout bill? A first look - 09/30/08 03:09 PM
Excerpt: 1) There's a mortgage insurance program, as pushed by House Republicans, but it's completely at the discretion of the Treasury Secretary. Institutions can ask for insurance, Treasury "may" grant it. Verdict: Not gonna happen, at least not much. 2) There's an oversight board, which consists of the Fed chairman, the Treasury Secretary, the SEC chairman, the director of the Federal Housing Finance Agency (it's listed in the bill as the "Federal Home Finance Agency"; here's hoping they fix that), and the HUD secretary. Update: Yay, they did fix the "Federal Home Finance Agency" error before actually introducing the bill today! (4 comments)
reo: Converting Existing Homes to Rentals - 09/23/08 11:15 AM
HUD has issued Mortgagee letter 2008-25 with new underwriting guidelines for borrowers who wish to keep their current home while financing the new home FHA. Effective with all FHA case numbers assigned on or after September 22, 2008, rental income may not be used to offset the current mortgage payment. There are only two exceptions to this guideline: 1) Relocations: The borrower is relocating with a new employer or being transferred by his/her current employer to an area outside reasonable commuting distance. In this case Towne will require ALL of the following: A one year lease with a one month minimum (1 comments)
reo: $7,500.00 First-Time Home Buyer Tax Credit - 09/20/08 06:18 AM
The Housing and Economic Recovery Act of 2008 authorizes a $7,500 tax credit for qualified first-time home buyers purchasing homes on or after April 9, 2008 and before July 1, 2009. The following questions and answers provide basic information about the tax credit. If you have more specific questions, we strongly encourage you to consult a qualified tax advisor or legal professional about your unique situation. Who is eligible to claim the $7,500 tax credit?First time home buyers purchasing any kind of home-new or resale-are eligible for the tax credit. To qualify for the tax credit, a home purchase must occur (1 comments)
reo: Reinstatement Update: Down Payment Assistance - 09/16/08 04:22 PM
H.R. 6694 is approved by key Congressional Committee Bipartisan legislation would reauthorize downpayment assistance GAITHERSBURG, MD - Ann Ashburn, President of AmeriDream, issued the following statement today after the House Financial Services Committee adopted H.R. 6694, legislation designed to reauthorize and reform downpayment assistance programs that the Bush Administration banned in July. "Today's committee vote was a positive step toward preserving downpayment assistance, but our work is far from over," said Ashburn. "Now more than ever, members of Congress need to know that Americans are watching their vote on H.R. 6694. I encourage members of the public to tell (0 comments)
reo: Quick Note Regarding FHA Mortgage Insurance. - 09/16/08 04:18 PM
The FHA risk based pricing grid that went into effect July 14th will end October 1st. After October 1st, the old premium schedule will go back into effect with a few changes - notably a higher upfront premium of 1.75% See Mortgagee Letter: http://www.hud.gov/offices/adm/hudclips/letters/mortgagee/files/08-22ml.doc
reo: Revised Downpayment and Maximum Mortgage Requirements - 09/12/08 10:35 AM
HUD sent out a new Mortgage Letter - ML 2008-23 - dated September 5th, that details new polices regarding down payment on purchases, LTV limits, seller concessions, and other information. Please be aware these changes take place October 1, 2008. The Housing and Economic Recovery Act of 2008 revised the National Housing Act to: • Require that the mortgagor "shall have paid, in cash or its equivalent...an amount equal to not less than 3.5 percent of the appraised value of the property...."; • Eliminate the variable loan-to-value limits that were based on the combination of the property value and the (2 comments)
reo: Breaking News about Downpayment Assistance from Nehemiah Coporation - 09/09/08 09:13 PM
Chairman Frank and HUD Secretary Preston Negotiate DPA Agreement Chairman of the House Financial Services Committee, Barney Frank, has discussed publicly the fact that he has negotiated an agreement with HUD Secretary Steve Preston that will provide for the continuation of privately funded downpayment assistance. The agreement allows HUD to impose risk-based pricing on downpayment assistance transactions which provides Secretary Preston the fiscal protection he seeks for the FHA insurance fund. According to an Inman News article published today, Chairman Frank is quoted as saying "The FHA loved the ban on down-payment assistance (but) hated the ban on risk-based pricing," (16 comments)
reo: Fannie Mae/Freddie Mac: What you should know - 09/08/08 03:49 PM
Given the extraordinary move by the Federal Reserve to take the driver's seats at Fannie Mae and Freddie Mac this past weekend, we thought we would share some information we have gathered and provide some color on the action. The most succinct we have seen is Cantor Fitzgerald's summary (see attachments also). It reads as follows: The government's action on FNMA and FHLMC (collectively Government-Sponsored Entities, GSEs) has four basic points of action: First: The Federal Housing Finance Agency will become conservator of each firm - effectively running the firms under new management. It will be "business as usual" for the (2 comments)
reo: Interesting Atlanta Info - 08/21/08 03:13 PM
News Economic Indicators Atlanta Area Job Growth, Building Products and More Learn More Free Report on Atlanta Real Estate Market Video and Accompanying Written Report Available Online Learn More ARC Releases Latest Cost of Living Report Regional Snapshot Shows Metro Atlanta Has Low Cost of Living Learn More Atlanta's Affordable Housing Initiative Receives a Boost Multifamily Developers Can Now Access Federal Money Learn More NAHB Housing Economics State, Regional and National Economic Data Available Learn More Helpful Links Additional Sources for Economic Data Learn More (0 comments)
reo: Fannie Mae Policy Changes - 08/12/08 09:05 AM
***Attention*** Fannie Mae released the following policy changes effective August 1st: Bankruptcy Policy: Chapter 7: 4 years from the date of discharge or dismissal Chapter 13: 2 years from the date of discharge or 4 years from dismissal date Foreclosure: 5 years from the date of completion (sale date). In addition, for up to 7 years after sale date, a minimum up 10% down and a minimum FICO of 680 required to purchase a principal residence. Purchase of a second home or investor property is not allowed. (3 comments)
reo: Do It Yourself at www.creditfico911.com - 08/11/08 03:04 PM
I've been getting a lot of calls from Credit Repair Companies. They are always inquiring about a list of people that may need more time to improve their credit before purchasing a home. It's apparent that they want the people in my contact list to subscribe to a repair service. I've made an attempt to use repair companies before however I am constantly assisting lient's with getting their money back. I am very familiar with credit improvement techniques and am an advocate for Do-It-Yourself Credit Improvement as most will learn a lot by improving their credit which will help in low-credit score prevention. (3 comments)
reo: WHAT YOU NEED TO KNOW ABOUT THE NEW BILL - 07/31/08 10:17 AM
Key facts of the new housing legislation include:For homeowners in danger of losing their homes: ·The Federal Housing Administration will insure and refinance up to $300 billion in mortgages to qualified homeowners. Existing mortgages would be canceled in favor of 30-year, fixed-rate loans for up to 90 percent of the home's current value. The program will run from Oct. 1 to Sept. 30, 2011. ·Lenders must wait nine months, not the current three months, before starting foreclosure proceedings against a returning soldier.For home buyers: ·A $7,500 tax credit is available to buyers who have not owned a home for three years (6 comments)
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.