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The Mortgage Mess. Who is really to blame? Today, the blame game is being played by everyone. The Democrats and Bill Clinton both pressured and passed legislation starting the entire mess by forcing Fannie Mae to lend to high risk people, and by allowing investment banks to create securities that fell far short of the safety net of traditional banking guidelines. If you read the attached New York Times article from September 30, 1999, it clearly gives a warning that these actions pose serious risk down the line in tough economic times, while posing no difficulties in flush times. (1 comments)
If you want to know what this mortgage crisis is all about, who is to blame, and some of the realities, here the a Press Release from the FEDERAL HOUSING FINANCE AGENCY that is pretty good reading! But first - my quick read version: This mess started with deregulation signed in 1999 of depression era laws that separated banks and brokerages. The repeal allowed banks and insurance companies to sell securities. While regular banks were strictly regulated by the government, Walls Street banks and other non-depository institutions (Bear Stearns, Lehman, Merryl) were allowed to operate without the same strict standards. (0 comments)
While our government is bailing out Wall Street, DPA and H.R. 6694 is looking out for Main Street. The plan being negotiated by the Bush administration and Congressional leaders calls for the government to spend up to $700 billion to bailout Wall Street. Add in the $300 billion from the "Housing Bill" (H.R 3221) passed in July and this bailout is costing taxpayers $1 TRILLION! The single largest part of this tragedy is that this $1 trillion is being spent bailout Wall Street, banks, institutional investors and foreign investors! And while all this is going on in Washington, (1 comments)
FHA bans "BUY and BAIL" strategy FHA just released new rules which specifically address loan transactions in which a borrower is purchasing a NEW primary residence WITHOUT selling their existing resident. Commonly known as "BUY and BAIL", many people have been buying a new (usually cheaper) home then purposely letting their old home go into foreclosure. Many of these original homes had been For Sale without selling for a significant amount of time, and are usually worth LESS than what is owned. To achieve this, many new applicants "claimed" their existing home was to become a rental property, then used fake (13 comments)
Important News - Fannie and Freddie Takeover by the Fed. What it means to YOU As you no doubt know, the federal government yesterday took significant action with regard to Fannie Mae and Freddie Mac. The basic facts are below. The Treasury indicates that they are acting primarily out of concern that Fannie and Freddie's ability to fulfill their mission has deteriorated, particularly with regard to the capacity of their capital to absorb further losses while supporting new business activity. As a result, Fannie and Freddie's regulator is taking over all of the duties and powers of the management and board (2 comments)
FHA's NEW Upfront and Monthly Mortgage Insurance Guidelines To add more confusion to the already confusing market, HUD (U.S. Department of Housing and Urban Development) is AGAIN changing their upfront and monthly mortgage insurance premium guidelines for all NEW FHA case numbers assigned commencing OCTOBER 1, 2008 to be consistent with the Housing and Economic Recovery Act of 2008. FHA guidelines had been unchanged for years. But, back on July 14, 2008, FHA had introduced new risk based premiums for both the upfront MIP and the monthly mortgage insurance on FHA loans. Those guidelines rewarded better qualified buyers with lower premiums, (3 comments)
Mortgage industry news and insights from a 15+ year industry expert. Mortgage are Real Estate News You Can Use.
Joe is a Certified Minnesota Mortgage Specialist, who provides home mortgage loans not only in the Minneapolis, St Paul area, but all of Minnesota and Wisconsin.
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.