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Each month AR runs numerous contests as a way for our members to engage in activities
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These state pages or hyper-local pages provide content directly related to a specific geographical location.
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Bankruptcy Judges may soon be able to alter mortgage terms - 01/28/09 02:38 PM
You may have been all caught up in the looming "sitmulus plan" news that you may not have heard of a recent vote that took place in the House Judiciary Committee.This vote could potentially reduce foreclosure nation wide but, at what cost?Basically, the bill lets Bankruptcy Judges alter the term of mortgage loans. The vote passed 21-15 and now the measure is headed to the House.Now, one thing to remember about this bill is that it only applies to mortgages that were entered into before the bill becomes law. This is important becuase opponets of this bill claim this measure would (4 comments)
Illegal Foreclosure Claims Spur Foreclosure Avoidance Counseling and Short Sales - 01/22/09 12:23 PM
An article by Jennifer Harmon with www.ManagingREO.com highlights just another reason why I believe that REO's are not what banks want and that our industry is in the beginning stages of a paradigm shift. Back on October 8, 2008 I wrote a blog titled, "REO's Become Extinct" which focused on the idea that REO's just simply cost too much to continue doing and our industry had numerous reasons to change and start doing more Short Sales.Well, like with any fast growing industry, growing pains with short sales are rampant. Many people complain about short sales and, the list is too long (3 comments)
Appraisals, my tail...... - 01/12/09 02:46 PM
OHHHhhhhh.....this blog is going to ruffle some feathers...trust me! This is my biggest complaint with the "Appraisal" Industry and that is, they don't appraise anything and, you can quote me on that one.Ok, so the appraiser gets and order to go out to a home and appraise it. Well, on the paperwork he got from the bank, the borrower's requested loan amount appears. That is why it happens that the appraiser's appraisal numbers always match exactly the loan amount, which is obtained directly from the Purchase and Sale offer. So, I have to ask, what is the appraiser appraising?This also happens (5 comments)
How much loss will a bank accept? - 01/09/09 07:05 PM
Have you heard that banks will accept a certain amount of loss on their default real estate portfolios as a rule of thumb across the board? Have you heard that all banks are willing to take 20% less than the listing price?. Have you heard that all banks over price their listings because they know they are going to take a less on their properties? If you believe any of these rumors, urban legends, or false hoods then, you have just been suckered. Let me explain how banks determine their price when they go to list a home. First, they order (14 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.