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Understanding the Homeowner Affordability and Stability Plan - 02/27/09 10:55 AM
I am not sure how many times I have tried to read understand and relate this information to my daily Real estate Real World .. I guess we will all be back in schools soon learning all the ins and outs of the plan. in the meantime here is what is know. The Department of Housing and Urban Development (HUD) released this Q&A about the Homeowner Affordability and Stability Plan, which was announced by President Obama on Wednesday, February 18, 2009.Here are some answers to most-asked questions about the plan: Part 2 6. What are the interest rate and other terms (0 comments)
The Top 10 Foreclosure States - 02/27/09 09:23 AM
From RealtyTrac, Foreclosure filings-default notices, auction sale notices and bank repossessions-were reported on 303,879 U.S. properties during the month, a 12 percent increase from the previous month and a 27 percent increase from August 2007. The report also shows one in every 416 U.S. households received a foreclosure filing during the month. Which states have the highest foreclosure rates? Nevada: 1 in 91 homes California: 1 in 130 homes Arizona: 1 in 182 homes Florida: 1 in 194 homes Michigan: 1 in 332 homes Georgia: 1 in 422 homes Ohio: 1 in 444 homes Colorado: 1 in 452 homes Illinois: 1 (0 comments)
A SUMMARY OF THE PROPOSED ECONOMIC STABILIZATION ACT - 02/25/09 03:12 PM
Ok been over talked about bloged about and I am sure somewhere there is a song about the "Emergency Economic Stabilization Act (EESA)", It should not come as a surprise that National Association of Realtors has weighed in on the issue. A SUMMARY OF THE PROPOSED ECONOMIC STABILIZATION ACT October 2nd, 2008 <!--<em>Administrator</em>--> By: NAMAR, REALTOR Action Center The House has defeated the Emergency Economic Stabilization Act (EESA) on a vote of 205 - 228. NAR supported the package. Media reports about it did not present the case for the many ways it would have supported the real estate industry. The (0 comments)
6. I have two mortgages. Will the Homeowner Affordability and Stability Plan reduce the payments on both?Only the first mortgage is eligible for a modification.7. I owe more than my house is worth. Will the Homeowner Affordability and Stability Plan reduce what I owe?The primary objective of the Homeowner Affordability and Stability Plan is to help borrowers avoid foreclosure by modifying troubled loans to achieve a payment the borrower can afford. Lenders are likely to lower payments mainly by reducing loan interest rates. However, the program offers incentives for principal reductions and at your lenderâ€TMs discretion modifications may include (0 comments)
Borrowers Who Are at Risk of Foreclosure Are Asking: "Can the Homeowner Affordability and Stability Plan Help Me?" part 1 - 02/25/09 01:07 PM
Borrowers Who Are at Risk of Foreclosure Are Asking:1. What help is available for borrowers who are at risk of foreclosure either because they are behind on their mortgage or are struggling to make the payments?The Homeowner Affordability and Stability Plan offers help to borrowers who are already behind on their mortgage payments or who are struggling to keep their loans current. By providing mortgage lenders with financial incentives to modify existing first mortgages, the Treasury hopes to help as many as 3 to 4 million homeowners avoid foreclosure regardless of who owns or services the mortgage.2. Do I need to (0 comments)
Homeowner Affordability and Stability Plan Q?and A Part 2 - 02/25/09 01:04 PM
I am not sure how many times I have tried to read understand and relate this imformation to my daily Real estate Real World .. I guess we will all be back in scholls soon learning all the ins and outs of the plan. in the meantime here is what is know. The Department of Housing and Urban Development (HUD) released this Q&A about the Homeowner Affordability and Stability Plan, which was announced by President Obama on Wednesday, February 18, 2009.Here are some answers to most-asked questions about the plan: Part 2 6. What are the interest rate and other terms (0 comments)
Homeowner Affordability and Stability Plan Qand A part 1 - 02/25/09 01:00 PM
The Department of Housing and Urban Development (HUD) released this Q&A about the Homeowner Affordability and Stability Plan, which was announced by President Obama on Wednesday, February 18, 2009.Here are some answers to most-asked questions about the plan:Questions and Answers for Borrowers about the Homeowner Affordability and Stability PlanBorrowers Who Are Current on Their Mortgage Are Asking:1. What help is available for borrowers who stay current on their mortgage payments but have seen their homes decrease in value?Under the Homeowner Affordability and Stability Plan, eligible borrowers who stay current on their mortgages but have been unable to refinance to lower their (0 comments)
4 Simple Phone Calls to Getting it SOLD. - 02/25/09 12:57 PM
1. Call a Landscape Company. First impressions matter but overgrown hedges, dead flower beds and large dry patches scattered throughout the lawn are commonly encountered short sale problems. Rather than spend your hard earned time doing lawn maintenance, simply call a company to handle it all for you. Pay over the phone via credit card and remember, it is a tax write-off. Within a day or two you can transform even the worst landscape into a veritable Garden of Eden.2. Call a Painter. Once the yard is taken care of it is time to invest in a few pails of paint. (1 comments)
Georgia Bill Housing Bill - 02/18/09 01:19 PM
Georgia Bill A State of GA home buyer tax credit bill is now pending. HB 261 would create a one year GA home buyer tax credit for the purchase of a single-family residence with a price between $40,000 and $300,000. This is separate from the federal stimulus bill outlined above and for Georgia home buyers only. If passed, this credit would allow for a one-time income tax credit of 1.2% of the purchase price if purchased in the first six months of eligibility and 0.6% of the purchase price if purchased the second six months of eligibility. Time to get in (0 comments)
Ways to Stop Foreclosure - 02/14/09 07:10 PM
Ways to Stop Foreclosure There are quite a few ways that a homeowner can stop foreclosure. I thought I would list them here with some brief explanations. Loan Workout- A loan workout is when you negotiate with your lender any kind of plan that will benefit both you and the lender when you are delinquent or in default. This is a broad term used in the industry to cover the different options you may have such as a loan modification, repayment plan, short sale, forbearance plan etc.
Loan Modification- This is when the lender modifies your current mortgage in order (1 comments)
What is a deed in lieu of foreclosure? - 02/14/09 07:05 PM
What is a deed in lieu of foreclosure? A deed in lieu of foreclosure is a transaction in which an owner in default, and about to be foreclosed, grants ownership of the property to the lender, as payment for the debt. The value of the property serves as debt payoff. As such, the owner no longer owes anything to the lender. In this type of transaction, the owner satisfies the debt to the lender by deeding the property instead of by foreclosure. Instead of exercising foreclosure, the lender gets the property deed. Thus, the term "deed in lieu of foreclosure". (0 comments)
State-by-state foreclosures % of change Dec over Jan - 02/14/09 05:46 PM
State-by-state foreclosures % of change Dec over Jan Remember that many states and banks stoped foreclosure action during the holiday season and will require 60-90 days to restart actions. By Aleksandra Todorova, SmartMoney.com (0 comments)
State Stop Foreclosure actions just delaying - not resolving - problem - 02/14/09 05:41 PM
State actions just delaying - not resolving - problemActions by Fannie Mae, Freddie Mac and some individual states may have skewed the numbers as well. First, a moratorium placing a hold on foreclosure actions against troubled home loans underwritten by Fannie and Freddie - they control the majority of the mortgage market, now underwriting about 60% of all new loan originations - was extended through January, says Sharga. Separately, in December, Florida put a 45-day freeze on new foreclosure actions and the scheduling of foreclosure sales, resulting in a 20% drop in activity. However, now that these temporary measures have expired, expect the (0 comments)
January foreclosure notices fell 10% from December - 02/14/09 05:37 PM
January foreclosure notices fell 10% from December in the wake of government actions designed to stem the tide, but the downward trend may be temporary. Foreclosure filings declined an average 10% across the country in January, compared with December, according to RealtyTrac. Two of the nation's most badly foreclosure-battered states, Florida and California, registered higher-than-average drops, of 20% and 14%, respectively. Nevada, which has the highest foreclosure rate in the country, saw a decrease of 4%. So, is this the beginning of the end of the housing crisis? Don't get too excited. "There's a real danger right now in misreading what (0 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.