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Foreclosure starts, inventories grow, How's Orlando doing? How about You? - 09/29/10 08:23 AM
Foreclosure starts continued to accelerate in August as Fannie Mae and Freddie Mac enforced more aggressive timelines on early stage delinquencies, loan data aggregator Lender Processing Services Inc. said in releasing its latest monthly loan performance report. The pace at which seriously delinquent homeowners transition into foreclosure -- in many cases after leaving the Home Affordable Modification Program (HAMP) -- also continued to pick up, LPS said. The 282,528 foreclosure starts initiated by lenders in August represented a 29 percent increase from the low for the year, seen in April, and was the highest level since July 2009. That helped the (0 comments)
FHA Mortgage changes and How it may affect us in Orlando Fl. - 09/23/10 09:01 AM
CHANGE #1 On September 1, 2010, HUD released Mortgagee Letter 2010-28 regarding changes to FHA mortgage insurance premiums. The letter states that, on August 12, 2010, the President signed into law new legislation which allows HUD to increase the amount of the annual mortgage insurance premiums charged for FHA single family housing mortgage insurance programs. For purchase and refinance transactions, HUD has decided to raise the annual premium which is collected on a monthly basis (the “monthly MI”) and simultaneously lower the upfront mortgage insurance premium (the “MIP” which is typically financed into the loan) “so that FHA is in a (0 comments)
Avoid Foreclosure Orlando, Kissimmee, Windermere, Winter Garden, Altamonte Springs, Maitland, Longwood, Apopka, Lake Mary & surrounding areas - 09/21/10 09:32 AM
In a country with a growing foreclosure rate, new default notices being sent every day, and an unemployment rate over 9 percent, the chances of foreclosure affecting you or someone you know is on the rise. RealtyTrac.com reports that in August 2010, foreclosure filings rose by 4 percent, with 338,836 new filings, affecting one in every 381 households. If you find yourself struggling to make your payments, here are some ways to avoid foreclosure. First, be realistic about your situation. Answer phone calls from your lender and open your mail. This is the time to face your problem head on. Could (0 comments)
Orlando Shadow inventory Growing, Orlando short sales rising - 09/20/10 03:44 PM
As the approximate 2.5 million homes in foreclosure complete the process, national delinquencies will fall, and REO inventory and short sales are expected to trend upward, according to a report released today by John Burns Real Estate Consulting. There are currently 562,000 bank-owned homes and 2.5 million mortgages more than 90 days delinquent in the market. Single-family starts as well as single-family and multi-family permits were down in August, leaving total completions last month 33% lower than July, at 587,000 units. Foreclosures grew by 4% month-over-month. Shadow inventory is inevitably growing and affecting the market already hit hard by high levels (0 comments)
Homeowners who are underwater with their mortgage may find that relief is on the way from a bill strongly supported by the National Association of Realtors (NAR) that would impose a deadline on lenders to respond to short-sale requests. The legislation, H.R. 6133, "Prompt Decision for Qualification of Short Sale Act of 2010," was offered yesterday in Congress by U.S. Reps. Robert Andrews (D-N.J.) and Tom Rooney (R-Fla.). The bill would require lenders to respond to consumer short sale requests within 45 days. "The short sale, which requires lender approval, is an important instrument for homeowners who owe more than (1 comments)
Orlando - Refinancing mortgage might have its drawbacks - 09/17/10 09:36 AM
Mark your calendars. The Van Ripers have moved up the date of their mortgage-burning party. When the couple purchased their St. Paul, Minn., home in 2005, they locked in a 6 percent interest rate for 30 years. But with mortgage rates at jaw-dropping lows, they were able to refinance into a 4.125 percent, 15-year mortgage that will save them more than $100,000 in interest and allow them to pay off the mortgage by the time their 3-year-old son is in college. All this for a $100 increase in their monthly mortgage payment. Shorter-term mortgages are deliciously low. Last week, the average (0 comments)
More foreclosures could move onto the market as borrowers fall out of the government's loan-modification program. That, coupled with weak demand, could lead to lower home prices across the board, suggests an article in the Wall Street Journal.Over the past two years, the pattern has become clear: the more homes that are being sold by lenders, the faster prices will fall. Ivy Zelman, CEO of research firm Zelman & Associates, says that distressed sales could account for 50 percent of properties sold by the end of the year - unless conventional sales recover.Neither she nor Glenn Kelman, CEO of Redfin (3 comments)
*************************************************************************************** Jerry LaRose is an Orlando Area Residential Real Estate Expert, who can assist you with the purchase and/or sale of Real Estate in Orlando, Windermere, Winter Garden, Kissimmee, St. Cloud, East Orlando, Longwood, Altamonte Springs, Maitland, Winter Park, Oviedo, Apopka, Lake Mary, Clermont, Ocoee Florida or any place in the country. Jerry has created a team of professionals throughout Orlando and the country to ensure that you enjoy a smooth transition to your new area. Please visit http://OrlandoShortSaleExpert.com, http://OrlandoRealEstateVoice.com , www.JerrySellsOrlando.com, or http://InvestmentPropertyDealsOrlando.com for your Orlando real estate needs. Please give me a call (0 comments)
Orange County, Orlando Florida Schools Grades 2010 - 09/11/10 07:42 AM
Orange County, Florida 2010 SCHOOL GRADES 8-6-10 *************************************************************************************** Jerry LaRose is an Orlando Area Residential Real Estate Expert, who can assist you with the purchase and/or sale of Real Estate in Orlando, Windermere, Winter Garden, Kissimmee, St. Cloud, East Orlando, Longwood, Altamonte Springs, Maitland, Winter Park, Oviedo, Apopka, Lake Mary, Clermont, Ocoee Florida or any place in the country. Jerry has created a team of professionals throughout Orlando and the country to ensure that you enjoy a smooth transition to your new area. Please visit http://OrlandoShortSaleExpert.com, http://OrlandoRealEstateVoice.com , www.JerrySellsOrlando.com, or http://InvestmentPropertyDealsOrlando.com for your Orlando real estate needs. Please give me a call (0 comments)
FHA short refinance option now available - 09/10/10 11:23 AM
In an effort to help responsible homeowners who owe more on their mortgage than the value of their property, the U.S. Department of Housing and Urban Development (HUD) now provides a new refinancing option for underwater borrowers. Originally announced in March, the enhancement of a Federal Housing Administration (FHA) refinance program offers non-FHA borrowers the opportunity to qualify for a new FHA-insured mortgage. To qualify, the homeowner must be current on his existing mortgage and lien holders must agree to write off at least 10 percent of the unpaid principal balance. The FHA Short Refinance option is targeted to people who (0 comments)
Let the Housing Market Crash? - 09/08/10 11:56 AM
Let the housing market crash? As the economy again sputters and potential buyers flee — July housing sales sank 26 percent from July 2009 — there is a growing sense of exhaustion with government intervention. Some economists and analysts are now urging a dose of shock therapy that would greatly shift the benefits to future homeowners: Let the housing market crash. When prices are lower, these experts argue, buyers will pour in, creating the elusive stability the government has spent billions upon billions trying to achieve. “Housing needs to go back to reasonable levels,” said Anthony B. Sanders, a professor of (2 comments)
Fannie Mae says it will begin fining loan servicers who take too long to complete foreclosures once it's been determined that delinquent borrowers don't qualify for a loan modification or other alternatives like short sales. The fines -- or "compensatory fees" -- will be assessed when loan servicers can't provide a reasonable explanation for failing to meet timelines for completing routine foreclosures that vary from state to state, Fannie Mae said in a bulletin to servicers. The time allotted to complete a foreclosure, starting from the referral of a loan file to an attorney or trustee until the date of (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.