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Orlando Real Estate - Fannie Mae nixes extra 5% down - 05/26/08 07:32 AM
Update Fannie Mae nixes extra five percent down in "declining markets." On May 16, the country's largest secondary mortgage market company, Fannie Mae, announced that it will no longer require borrowers to put up an extra five percent down payment when purchasing homes in areas deemed "declining markets." According to an NAR: "Fannie Mae had been hearing concerns from REALTORS and others for months that its declining-markets policy was bad for the housing market because it discouraged consumers from buying homes in markets hardest-hit by foreclosures." About the author: Jerry LaRose is an Orlando Area Residential Real Estate Expert, who (3 comments)
Orlando, Windermere Florida Real Estate - If home's been on market awhile, it's time to rethink strategy - 05/20/08 07:24 PM
Sellers, pay attention to lowball offers If home's been on market awhile, it's time to rethink your strategy Selling a home can be an emotional experience because most sellers have a lot more than money invested in their homes. So, it's understandable that sellers might be reluctant to respond to an offer that is for less than the asking price. Most sellers have a difficult time being objective about their homes. But, detachment is something sellers should strive for, particularly when the market favors buyers. To be a successful seller in a buyer's market, you need to be able to put (0 comments)
FHA abandons 74 year Policy – Orlando Real Estate - 05/19/08 11:05 AM
The Federal Housing Administration shook up Washington's mortgage and real estate leaders last week by announcing that it's shifting its entire production line to risk-based pricing -- starting this summer. FHA plans to abandon its 74-year policy of charging all borrowers the same insurance premiums and interest rates, and to move to a system where applicants who present high risks -- low credit scores and low down payments -- pay higher premiums. Though private mortgage insurers have been using this approach since the mid-1990s, it's a big move for FHA. Currently the agency charges a standard one and a half percent (1 comments)
Fannie Mae ditching declining-market policy - Orlando, Windermere Florida Real Estate - 05/19/08 08:20 AM
All borrowers will now need 3% down payment Fannie Mae is scrapping a "declining markets" policy that required loan underwriters to boost minimum down-payment requirements by 5 percent in areas where home prices are falling or difficult to determine. Beginning in June, Fannie Mae will instead require 3 percent down payments for conventional, conforming mortgages processed through its Desktop Underwriter automated underwriting system, and 5 percent minimum down payments for loans processed manually. Larger down payments may be required depending on occupancy, property and transaction types. The new single national down-payment policy will retire a controversial declining-market policy announced in December. (1 comments)
Negotiation is back in style, and is likely to remain a necessary part of buying or selling a home in today's residential housing market. Needless to say, you need to work with the best real estate professionals you can find in your area. In most cases, it takes a team effort to put a home-sale transaction together and see it through to fruition. HOUSE HUNTING TIP: Successful negotiations usually require give and take by both parties. It has been said that the sign of a successful negotiation is one where both parties walk away feeling they have won. It has (0 comments)
Deciding how much house you can afford Before you start house hunting, you need to determine how much house you can afford, which will entail getting either prequalified or preapproved for a home loan. A real estate agent can help you find a mortgage broker to begin the process. While getting preapproved is a more in-depth process, a preapproval letter lets both real estate agents and sellers know that you're a serious shopper who means business. What do I do to get prequalified? A prequalification can be done online or over the phone and does not require your submitting financial (0 comments)
Get Your Home Ready To Sell In preparing your house to sell, ask yourself over and over if your house looks like someone else's dream house. Houses in move-in condition tend to be inviting to buyers; houses that are like new typically sell the fastest and procure the best price.With that in mind, here are a few things to consider when getting ready to sell: ExteriorRemember the 60-second rule: that's all the time you have to create a good first impression! Mow the lawn, rake leaves, trim trees and shrubs that keep light out of the house and remove dead (0 comments)
Orlando, Windermere Florida Real Estate - Is the end near? April foreclosures and pre-foreclosures drop - 05/15/08 07:13 AM
The nation's foreclosure hemorrhage slowed a bit last month, according to Foreclosures.com. Lenders repossessed 74,570 homes following foreclosure in April, down more than 5 percent from March. April pre-foreclosures dropped 7.52 percent from March too, according to California-based Foreclosures.com foreclosure information specialists."The sky isn't falling, and the bottom of the housing market is in sight," says Alexis McGee, president of Foreclosures.com.Foreclosures.com says its analysis is based on the number of formal notices filed against a property during the foreclosure process. That can include notice of default, notice of foreclosure auction, and trustee's deeds/REOs (real estate owned by lender through foreclosure).In the (0 comments)
Orlando, Windermere Florida Real Estate - Fannie Mae's housing recovery initiative - 05/15/08 07:10 AM
Fannie Mae's new housing recovery initiative. On May 6, Fannie Mae announced its Keys to Recovery Initiative to promote liquidity, stability, and affordability in the housing and mortgage markets. Here are highlights developed by NAR: First, Fannie is working to reduce the cost to consumers of jumbo conforming loans (loans above $417,000 up to $729,750) and make it easier to qualify for these loans. NAR expects these steps to significantly lower mortgage costs and give more choices for many families living in high-cost areas. Second, Fannie is allowing up-to-date borrowers to refinance Fannie Mae-owned mortgages even where current value of the home (1 comments)
If Buyers are saying that then Let them know that waiting may well make their home MORE expensive not less! How is that possible if the price drops? Unless the Buyer really does pay all cash even a small increase in intrest rates can wind up wiping out most if not all of saving from the price decrease because of the increased interest costs. And as article below indicates - interest rates are very likely to be going UP. Here is a simplified example: On a $220,000 house if the price goes DOWN by $10,000 but interest rates go UP (6 comments)
There is a growing sense that the worst of the credit crunch may be behind us. And despite a tamer-than-expected reading for April, inflation is still very much a concern for many Americans. So with that in mind, could the Federal Reserve be forced to raise interest rates before the end of the year....even in the midst of the presidential race? The Fed has historically been reluctant to make significant policy moves in the months leading up to the election. The market now seems to think that Fed chair Ben Bernanke may take action just a few days before Election (3 comments)
I just don't understand the course we're on. Since when is it OK to just walk away from your responsibilities when things don't work out the way you wanted them to? Many people treated their homes like a day-trade on the stock market. Now that their ‘gamble' isn't working out, they seek government bailouts (not unlike their lenders and mortgage companies at my expense as a taxpayer) or the ability to just walk off into the sunset to live a carefree stress-free life. What about all the people that WERE responsible, who didn't wipe out every penny of their equity, who (2 comments)
Orlando Harley Drill Team performing at Leesburg BikeFest - 05/13/08 06:53 AM
OK, I had to share this, in my spare time I am on the Orlando Harley Drill Team and we recently performed at the Leesburg Fl. Bikefest. Hope you enjoy. By the way this is my first use of my flip video. I'll have a few Testimonials soon and I'm sure they'll turn out fine. Great camera by the way. (0 comments)
The nation's foreclosure hemorrhage slowed a bit last month, according to Foreclosures.com. Lenders repossessed 74,570 homes following foreclosure in April, down more than 5 percent from March. April pre-foreclosures dropped 7.52 percent from March too, according to California-based Foreclosures.com foreclosure information specialists."The sky isn't falling, and the bottom of the housing market is in sight," says Alexis McGee, president of Foreclosures.com.Foreclosures.com says its analysis is based on the number of formal notices filed against a property during the foreclosure process. That can include notice of default, notice of foreclosure auction, and trustee's deeds/REOs (real estate owned by lender through (1 comments)
Will you wear blue?International Picture of the Year Here are two very touching photos honored this year. First Place: First PlaceTodd Heisler The Rocky Mountain NewsWhen 2nd Lt. James Cathey's body arrived at the Reno Airport , Marines climbed into the cargo hold of the plane and draped the flag over his casket as passengers watched the family gather on the tarmac.During the arrival of another Marine's casket last year at Denver International Airport , Major Steve Beck described the scene as so powerful: 'See the people in the windows? They sat right there in the plane, watching those Marines. You (1 comments)
Windermere Florida Real Estate - Mortgage preparation made simple - 05/06/08 07:36 PM
Buying a home is probably the single largest investment most people make in a lifetime. By preparing yourself and your credit profile before a home purchase, you can ensure a smooth finance process and can potentially save thousands on your loan. Start by checking your credit reports from TransUnion, Equifax and Experian * To get the best possible mortgage rate, make sure your credit history is healthy and accurate. Aim to raise your credit score above 650 in order to qualify for most prime loans. * If your credit score is not quite 650, focus your efforts on paying bills on time, reducing (1 comments)
Financing Solutions with Jerry LaRose Overcoming the misconceptions about the "credit crisis" You've watched the news and read about it in the papers. You know, the "credit crisis" and how buyers need 20 percent down in order to buy a home? And even if you found a buyer with 20 percent down, lenders aren't making loans anyway. So, why bother, right? Wrong! We're right smack in the middle of what just might be the biggest disservice ever perpetrated on potential home buyers. It seems the press just can't get enough of all the gloom and doom in the housing industry. The fact is that mortgage (0 comments)
Windermere Fl. Real Estate - Getting Your Clients to Buy Now - 05/01/08 07:21 AM
Have you been feeling frustrated at clients who don't seem to be able to make a decision? At the beginning they seem interested in buying, either they've contacted you or you contacted them. Then as they see some homes and may begin listening to the news about today's marketplace, they start to get cold feet. They don't return your phone calls or e-mails, and when you finally reached them they say, "I'm not sure this is the best time to buy. I've heard prices may get lower." At this point you can either get exasperated and give up or you can give them (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.