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Each month AR runs numerous contests as a way for our members to engage in activities
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Here's another avenue for you to build relationships with others. Share your expertise with someone searching for answers.
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Your Homepage will alert you of new questions in your state
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These state pages or hyper-local pages provide content directly related to a specific geographical location.
State, County, City and Neighborhood pages make it easy for consumers to find what they're looking for.
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Farm your niche market and cover all the happenings in your neighborhood
I guess yey for the government for finally setting the foot down to salvage the mess we are in with the housing slump by throwing the life vest to Freddie Mac and Fannie Mae...
Did anybody recently dealth with a borrower who qualifies for the housing recovery bill signed by the president which is due to take effect this October?
True story, I did. I don't think it is difficult to find a borrower who won't say they need to refinance their mortgage because they can't afford it anymore. What is the 31% qualifying income percentage that goes to mortgage? Almost every other homeowner I know have more than 50% of their income going to mortgage.
Th easy part is qualifying the borrower. Want to know the challenging part? Here goes. Existing lender REFUSES to do it. Why? Their reason is beyond me because they wouldn't give a reason. Remember it is VOLUNTARY for the borrowers' current lenders to participate in this program.
So how is this program going to work if there is lack of lenders who are willing to sail this boat or be the first one to dip their toes in the water? Is the bill just to soon or young that nobody has the guideline on how to go forward with it?
Well, loan officers out there. I wish you luck and hope you are in a better predicament than me. I thought this is the solution to bring hope but then again it still looks bleary.
Please do share your experience and insight so I can learn or maybe the rest of us can get informed.
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.