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If Fannie and Freddie were to vanish....... - 09/30/08 11:32 AM
FROM PRUSSIA WITH LOVE An ancient debt instrument may help America after Fannie and Freddie FROM Freddie Mac to Frederick the Great? Fannie Mae and its brother are the central pillars of America's mortgage market. Their role has become even more important during the credit crisis, thanks to the moribund private-securitisation market .If they were eventually to disappear, what might take their place? One alternative is covered bonds--Prussia's legacy to modern finance. First issued by the German kingdom in 1770, covered bonds have grown into a $3 trillion asset class, dominated by issuers in Europe. The instrument is a form of (0 comments)
REDEFINING RECESSION - 09/30/08 10:52 AM
A new yardstick for measuring slumps is long overdue THERE has been a nasty outbreak of R-worditis. Newspapers are full of stories about which of the big economies will be first to dip into recession as a result of the credit crunch. The answer depends largely on what you mean by "recession". Most economists assume that it implies a fall in real GDP. But this has created a lot of confusion: the standard definition of recession needs rethinking. In the second quarter of this year, America's GDP rose at a surprisingly robust annualised rate of 3.3%, while output in the euro (2 comments)
More Food for thought- as Warren Buffet returns to wall street - 09/29/08 11:22 AM
TUCKING IN Sep 25th 2008 Warren Buffett's return to Wall Street raises hopes IN 1998 Goldman Sachs was looking for help in bailing out Long-Term Capital Management, a sickly hedge fund to which it was exposed. It sought a contribution from Warren Buffett. But the Oracle of Omaha was on holiday (with Bill Gates, of course) and as the deadline approached his boat drifted out of mobile-phone range. This time there were no communication problems. Mr Buffett has answered Goldman's latest call with a $5 billion infusion from his cash pile. Goldman could not have wished for a more credible vote (2 comments)
ANOTHER REASON TO INVEST IN MISSISSIPPI - 09/26/08 02:02 PM
On Friday July 13th, the final amendment was finalized for the HUD Small Rental Assistance Program in Hancock and Harrison County, Mississippi. HUD's intentions for this program was to entice more investors to build new rental housing and provide rentals for those who make less than 80% of the median income. HUD wants to subsidize rent and make it truly affordable for locals needing affordable rental properties. Let me tell you a little about the unique situation. People, this is not Section 8. After the hurricane, thousands were left homeless and carless. Amongst those thousands, most of them had to find alternative (0 comments)
HOMELINE -Gulfport $ 50,000 Grant for new home owners - 09/26/08 01:45 PM
ANOTHER WAY TO GET RESIDENCE TO CHOOSE GULFPORT, MS! STARTS 10/01/2008 SO WE NEED TO START GETTING IT OUT THERE! Gulfport Announces HOMELINE - A Home Ownership Assistance Program Posted: Sep 15, 2008 10:31 AM CDT Updated: Sep 15, 2008 10:31 AM CDT GULFPORT, MS (WLOX) - A new program in Gulfport in working to make home ownership a reality for more residents. The HOMELINE program will provide $50,000 in down payment assistance for the purchase of affordable homes in the City of Gulfport. HOMELINE funds may be used to purchase an existing home that's in good condition and was constructed in 1980 (7 comments)
Keeping up to date- New FHA down payment requirements - 09/26/08 01:36 PM
According to Mortgagge Letter 2008-23 HUD We've all been waiting for this because new loan amount calculations were "supposed" to be effective 10-1-08, and thank goodness they're not. They WILL be effective January 2009 so get ready. I've never actually seen HUD really and truly "simplify" anything, let alone the loan amount calculations. They've actually done it this time! The bad news is that the new down payment increased to 3.5% - as in 96.5% LTV. Flat out. No more borrowing against closing costs, no tiered LTVs, no convoluted calculations using cash investment. It's just like all of the rest of (6 comments)
Food for thought on our Economy - 09/26/08 01:25 PM
I WANT YOUR MONEY Sep 25th 2008 No government bail-out of the banking system was ever going to be pretty. This one deserves support SAVING the world is a thankless task. The only thing beyond dispute in the $700 billion plan of Hank Paulson, the treasury secretary, and Ben Bernanke, chairman of the Federal Reserve, to stem the financial crisis is that everyone can find something in it to dislike. The left accuses it of ripping off taxpayers to save Wall Street, the right damns it as socialism; economists disparage its technicalities, political scientists its sweeping powers. The administration gave ground (5 comments)
Pre- Qualification letter FACT OR FICTION - 09/18/08 12:44 PM
Pre-Qualification Letters A pre-qualification letter implies many different degrees of thoroughness in regards to determining a buyer's borrowing ability. It may indicate that a credit report has been pulled and reviewed, but no other information has been verified. The loan officer simply used verbal information provided by the buyer, almost always over the phone. This is very common. Or the pre-qualification letter may be the result of a five-minute conversation with a loan officer that went something like this: Loan Officer: Mr. Buyer, can you tell me about your credit history? Potential Buyer: No problems that I know of. Loan Officer: (7 comments)
NAMB HURRICANE RELIEF FUND - 09/15/08 01:16 PM
NAMB Calls for Relief Effort in Gulf Coast Region Take Action Now! On September 13, 2008, Hurricane Ike hit several states along the Gulf Coast of the United States. Many cities sustained significant damage, including extensive flooding and wind damage. Authorities continue to assess the damage, and are asking evacuees not to return to the area until the extent of the damage is known. NAMB is calling upon its members to send relief to the struggling region. A NAMB Hurricane Relief Fund has been established for cash donations. Submit your cash donations by mail to: "NAMB Hurricane Relief Fund" 7900 Westpark (0 comments)
9-11.... Rememberance - 09/11/08 09:38 AM
Please take a moment today to remember all those who lost their lives in the 9-11 attacks. Also remember the thousands of soldiers who have lost their lives and those still fighting two ways as a result of this day.
Can not hold an active Real Estate License and be an FHA Approved Lender - 09/10/08 05:11 PM
Is it acceptable to work for an FHA approved company and have a real estate license at the same time? It depends. (That sounds like an underwriter answer, doesn't it?) I get variations of this question all of the time, and there's a lot of misinformation out there that I'd like to clear up. I will start by quoting the HUD Handbook 4060.1 REV 2, Chapter 2-9G. G. Full Time, Part Time and Outside Employment. A mortgagee may employ staff full time or part time (less than the normal 40 hour work week). They may have other employment including self-employment. (1 comments)
The Importance of Working with a lender you can TRUST - 09/10/08 05:07 PM
Written By: Anna Bahney, USA Today (Published in USA Today on 8-4-2008) The deal was to close on June 27. Drake Paul, a pediatrician, entered into a contract at the end of May to sell his two-bedroom, one-bath newly renovated house in Sparks, Nev., for $170,000. The buyer had lender approval, the appraisal was done, and the inspection checked out. Then the lender called: Mortgage requirements had tightened, and the buyer no longer qualified for the 5% down payment for which he was approved. Only 48 hours before he was to sign the papers and get the keys, the buyer learned (2 comments)
What actions are you taking to create new, or strengthen existing relationships? 2. No Credibility
Consumers and referral sources want to work with knowledgeable and reputable originators - clue, product knowledgeable is number one. 3. Failure to Prospect on a Regular Basis
You will be more likely to succeed if you have the "right" marketing plan, backed with "action." 4. Lack of Sales Skills
90% of all mortgage originators have no "system for selling." They are at the mercy of the buyer's system (4 comments)
Tax Credit- In plain terms - 09/10/08 11:14 AM
Scenario regarding First Time Homebuyer tax credit: I recently viewed an example of the tax credit which I thought would help explain the credit. Remember it is an EXAMPLE only: Home Purchase: Sam, a first time homebuyer closed on a property in May 2008. He used Down payment Assistance and the seller paid closing cost. 2008 income tax return: In March, 2009, Sam takes his folder to his accountant to complete his tax returns. His refund was going to be $1,000 - but because he qualified for the $7500 first time homebuyer tax credit - the refund is $8500.00 The money (0 comments)
No Closing Cost- Fact or Fiction??? - 09/09/08 04:16 PM
In an ever changing market the consumer is going to be subjected to marketing efforts by mortgage companies to offset the decline of refinance business along with the current crash of non conforming lenders. Recently a number of NO CLOSING COST ads are hitting the television and print news. The Consumer should be aware that although they will not be paying the closing cost, someone (the lender) will. In order for the lender to absorb the cost of an appraisal, title insurance, their fees, etc. they will increase your interest rate to offset those costs. Although this is not a bad (2 comments)
Fannie Freddie Rescue as it applies to borrowers - 09/09/08 02:33 PM
What rescue means for mortgage rates Bailout of mortgage giants should result in lower mortgage costs and make credit more available. But lending standards will stay tight and risky borrowers will still pay extra fees. By Tami Luhby, CNNMoney.com senior writer Last Updated: September 8, 2008: 9:22 AM EDT NEW YORK (CNNMoney.com) -- Mortgage applicants rejoice! Sunday's federal takeover of Fannie Mae and Freddie Mac will likely translate into lower mortgage rates and greater availability of credit, experts said. Rates could drop by 1 percentage point from the stubbornly-high 6.39% for a 30-year fixed rate mortgage. "This could be good for (0 comments)
Fannie, Freddie Rescue - 09/09/08 02:32 PM
Fannie, Freddie rescue won't end housing woes Bailout of Fannie and Freddie might lower mortgage rates but it's unlikely to lead to a quick turnaround for the troubled housing market. By Chris Isidore, CNNMoney.com senior writer Last Updated: September 8, 2008: 4:15 PM EDT NEW YORK (CNNMoney.com) -- The federal government's takeover of Fannie Mae and Freddie Mac may save the battered real estate market from a complete meltdown. But financial experts say the bailout won't lead to a housing recovery just yet. Instead, some on Wall Street said the housing sector is in as tough shape today as it was (0 comments)
$ 7500.00 TAX CREDIT Helpful Information on how it can benefit YOU
Im sure you have heard the Buzz about the new legislation passed that gives 1st time home buyers a $ 7500.00 Tax Credit at the end of the year. There are some good post and some post that would steer you clear from finding out more. but the truth is that why wouldnt a hombuyer consider taking advantage of this? This is an opportunity of a lifetime! What im going to do is post some of the information i have gathered about this new tax credit, (2 comments)
HURRICANE GUSTAV, JUST A FEW IMAGES... WE REMAIN STRONG - 09/04/08 03:17 PM
THE DEVISTATION OF HURRICANE GUSTAV.......................................... WE WERE VERY LUCKY THIS TIME AROUND AND HOPE THAT WE CONTINUE TO REMAIN SAFE. MS GULF COAST LOOKING TO REBUILD BIGGER AND BETTER. WE ARE STRONG!
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