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st louis mo real estate auctioneer rick bauer: 70% of Modifications in May Were Non-HAMP says Report - 06/28/10 09:40 PM
Mortgage servicers completed 112,088 loan modifications through their own proprietary programs in May, according to a report released this week by HOPE NOW. That compares to 47,724 new permanent modifications under the government’s Home Affordable Modification Program (HAMP) during the same month.Altogether, just over 159,000 mortgage modifications were completed in May, bringing the total number of mods for the year to 800,536, HOPE NOW’s data shows.According to Treasury, 49 percent of homeowners who do not qualify for a permanent HAMP plan have been placed in an alternative servicer modification with comparable payment reduction benefits.In addition, HOPE NOW says private-sector servicers completed (0 comments)
st louis mo real estate auctioneer rick bauer: Fed Maintains Near-Zero Interest Rate - 06/24/10 10:41 PM
The Federal Reserve decided Wednesday to keep the target range of its benchmark federal funds rate at 0 to 0.25 percent – a level it’s maintained for a year and a half now.The continued holding pattern was widely expected, although central bank officials noted in their monetary policy statement that market indicators since their last meeting in April suggest “the economic recovery is proceeding and that the labor market is improving gradually.”However, that assertion was immediately followed with a long list of negatives that are still weighing heavy on the economy, including high unemployment, lower housing wealth, limited investment in commercial (0 comments)
st louis mo real estate auctioneer rick bauer: Price Reductions Unchanged as Sellers Wait - 06/19/10 11:32 PM
Trulia.com, smart real estate search to help you make better decisions, recently announced that 22% of listings currently on the market in the United States as of June 1, 2010 experienced at least one price reduction, which is a slight decrease from 23.6% in June 2009. The total dollar amount slashed from home prices was $26.7 billion and the average discount for price-reduced homes continued to hold at 10% off of the original listing price.“Sellers are optimistic heading into the summer season because of the strong sales figures from the spring. The spring sales were fueled by the expiration of the (0 comments)
st louis mo real estate auctioneer rick bauer: Countrywide Picks Up Pace Resolving Troubled Loans - 05/21/10 11:01 PM
Liquidation and modification rates on Countrywide-serviced residential loans have edged higher in the past few months, with a larger percentage of mortgage restructurings encompassing principal forgiveness, according to a study just released by Barclays Capital.The research firm examined loans within residential mortgage-backed securities (RMBS) serviced by Countrywide, now Bank of America Home Loans, and found that while historically, Countrywide-serviced deals have claimed lower-than-average mod rates and long liquidation timelines, that has begun to turn around in the past few months.Barclays reports that constant default rates (CDRs) on pools of mortgages serviced by the once-subprime leader have improved, primarily due to faster (1 comments)
st louis mo real estate auctioneer rick bauer: Data Shows Decline in Negative Equity - 05/11/10 11:19 AM
The number of mortgaged residential properties sinking under the weight of negative equity declined slightly during the first three months of this year, CoreLogic reported Monday.According to the company’s market data, just over 11.2 million, or 24 percent, of all homes in the United States with a mortgage were worth less than the outstanding loan balance at the end of the first quarter of 2010. That figure is down from 11.3 million at the end of last year.An additional 2.3 million borrowers had less than five percent equity in their home, CoreLogic found. Together, negative equity and near-negative equity mortgages accounted (1 comments)
st louis mo real estate auctioneer rick bauer: Fannie Mae Requests $8.4B in Federal Aid after Q1 Loss - 05/11/10 11:03 AM
Mortgage giant Fannie Mae has reported a net loss of $11.5 billion for the first quarter of 2010. The deficit has prompted the GSE to ask the Treasury for another $8.4 billion in federal funding.Last week, Freddie Mac requested $10.6 billion from the Treasury after it too posted another quarterly loss.According to Fannie Mae’s earnings announcement, after adding in $1.5 billion of dividend payments to the Treasury, the Washington, D.C.-based company’s total Q1 loss attributable to common shareholders was $13.1 billion, or $2.29 per diluted share.The negative column did narrow slightly, though, compared to the fourth quarter of 2009, when the (0 comments)
st louis mo real estate auctioneer rick bauer: Barclays Lowers REO Inventory Estimate - 05/10/10 09:28 PM
A recent study by Barclays Capital says that U.S. lenders are holding fewer foreclosed homes than previously assessed by the research firm. Some are viewing the revised estimate as a testament to the stability that istaking hold in the housing market, but Barclays warns that the industry should expect REO inventories to grow – albeit gradually – over the next couple of years, as banks push more properties through the pipeline and foreclosure alternatives are exhausted.The firm’s analysts estimate that as of the end of February, 480,000 repossessed homes were held by U.S. lenders, mortgage investors, and the GSEs. As the (3 comments)
st louis mo real estate auctioneer rick bauer: Report Outlines Strategies for Responding to Housing Market Troubles - 05/10/10 09:17 PM
With foreclosures, housing vacancies, and mortgage fraud at all-time highs, it’s no secret that the residential real estate sector is struggling. These intertwined problems are threatening the stability of entire neighborhoods, making the search for effective responses crucial.As part of this search, the Bureau of Justice Assistance brought together experts from around the country to examine possible solutions to these challenges. As a document of their conversation, the Justice Department’s Office of Justice Programs released a report Friday outlining the various strategies that were discussed.The report, A Full Response to an Empty House: Public Safety Strategies for Addressing Mortgage Fraud and (1 comments)
st louis mo real estate auctioneer rick bauer: Foreclosure Crisis Caused by Borrowers who 'Overreached' says Economists Study - 05/10/10 09:11 PM
The true cause of the foreclosure crisis is up for debate. Did banks prey on unwitting consumers, or did households “overreach” and borrow more than they could afford? Economists at the University of Arkansas recently completed a study to answer that very question.The study, The Foreclosure Crisis: Did Wall Street Practice Predatory Lending or Did Households Overreach?, found the latter to be true.Although the researchers found some evidence of predatory lending, they concluded that a more accurate explanation of the foreclosure crisis was households who got in over their heads after borrowing more than they could afford. However, the researchers were (1 comments)
st louis mo real estate auctioneer rick bauer: Fannie Mae Hones "First Look" Program for REO Property Sales - 05/04/10 10:27 AM
Fannie Mae initially rolled out its First Look initiative last fall. Under the program, the GSE only considers offers from those seeking to purchase a home as their primary residence and public entities during the first 15 days that a property is listed.Julia Dugger, Fannie Mae’s senior manager of marketing communications, says the program has seen a great deal of success throughout the country, and is accomplishing its mission of building stronger communities by ensuring the GSE’s repossessed homes don’t continue to sit vacant while an investor markets the property to potential tenants.But Dugger explained to DSNews.com that the execution of (1 comments)
st louis mo real estate auctioneer rick bauer: Inspector General Casts Shadow on New HAMP Programs - 04/21/10 09:17 PM
Neil Barofsky, special inspector general for the Troubled Asset Relief Program (SIGTARP), has been highly critical of the government’s foreclosure prevention programs inrecent months. On Tuesday, he released his quarterly report to Congress, and put the administration’s new initiatives to help unemployed and underwater homeowners under the microscope.He said to the Treasury’s credit, the changes are an important step forward in addressing the flaws of the Home Affordable Modification Program (HAMP) – in particular expanding borrower participation and addressing re-defaults driven by negative equity – but raise several issues that could impede the program’s effectiveness.Barofsky said in the report, “Treasury’s urgency (0 comments)
st louis mo real estate auctioneer rick bauer: Residential Improving, Commercial Weak - 04/16/10 09:10 AM
The U.S. economy is continuing to show signs of recovery, according to the Federal Reserve Beige Book published this week – the third in a series of eight to be released over the course of 2010. Based on information collected across the country from businesses and contactsoutside the Federal Reserve, residential real estate activity has begun to pick up speed. The snapshot of commercial real estate, on the other hand, was a bit more dismal, described by the central bank as “weak” across the country.Since the March 3rd report, overall economic activity “increased somewhat” across 11 of the 12 regional districts, (0 comments)
st louis mo real estate auctioneer rick bauer: 5 Reasons Vacant Homes are Tough to Sell in Today’s Market - 04/12/10 10:19 PM
A vacant house is like a vacant stare. Something is just not right.Trying to sell a vacant house adds obstacles and depresses the sales price, says Showhomes, a nationally franchised home staging company. Showhomes uses live-in home stagers to lower the cost of staging and produce faster home sales. Take a look at their top five reasons why selling a vacant house is often a mistake in today’s market:1. People don’t simply buy houses; they buy the next chapter of their lives.This is an emotional experience and emotion influences what people buy and how much they will pay. Vacant houses are (2 comments)
st louis mo real estate auctioneer rick bauer: Distressed Sales Take Larger Share of Market: First American - 04/09/10 03:24 PM
Distressed properties, including short sales and REOs, accounted for 29 percent of all home sales in the United States in January, according to new data released Thursday by First American CoreLogic.The company says it’s the highest level of distressed transactions since April 2009, and not too far off from the peak in January 2009 when distressed sales accounted for 32 percent of all sales transactions.After declining through most of 2009, the rebound in distressed sales occurred due to increases in both the REO and short sales shares.According to First American CoreLogic’s analysis, REO sales increased to 22 percent in January 2010, (0 comments)
st louis mo real estate auctioneer rick bauer: Revamped Good Faith Estimate Criticized as Impeding New Mortgages - 04/06/10 10:01 PM
If you’re a prospective home buyer exploring real estate this spring, there’s plenty to learn about, from bank-owned properties to the strict criteria for getting a mortgage these days. And now the federal government has added something to the mix, aimed at helping buyers shop for loans: the revamped Good Faith Estimate. Designed by the U.S. Department of Housing and Urban Development (HUD) to help borrowers better understand the terms of their loans, the new three-page form has been a required part of the mortgage application process since Jan. 1, 2010. In some ways, the form is doing its job, experts (0 comments)
st louis mo real estate auctioneer rick bauer: Auctions 3 St Louis MO Real Estate Auctions Wed Mar. 31 - 03/28/10 10:06 PM
3 St. Louis MO Real Estate Auctions on Wed March 31. Learn more Father Time Real Estate Auction Buyers Agents welcome and can earn a commission Father Time® Auctions and Real Estate Home Office: Rick Bauer, Auctioneer, Realtor, GRI, CRTS, CAGA FatherTime® Auctions 2850 Lawndell Drive St. Louis, MO 63144 314-962-4200 office 314-614-3841 mobile 314-962-2573 fax email@example.com and visit Father Time Auctions Call Rick Bauer to learn more. Our visit our Father Time® Auctions website at: Father Time Real Estate Auctions Contact Rick Bauer @ 314-962-4200 or by email at firstname.lastname@example.org Auctioneer, Missouri License: Paul M. Roesch #MO44942, and Roland R. (0 comments)
st louis mo real estate auctioneer rick bauer: S&P/Case-Shiller Index Shows Seasonal 0.3% Rise in Home Prices - 02/24/10 09:56 PM
The latest home price report from Standard & Poor’s indicates that property values may be leveling off. The company’s national index, which is produced only once aquarter and covers all nine U.S. census divisions, showed a seasonally-adjusted gain of 0.3 percent between the third and fourth quarters of last year. Without taking into account seasonal factors, the national reading was down 1.1 percent on a quarter-to-quarter basis. The movement may seem slight, but it’s a considerable improvement from the freefall that’s pushed home values 32 percent below their 2006 peak.According to the S&P/Case-Shiller U.S. National Home Price Index released Tuesday, residential (1 comments)
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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.