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So as I watched the Presidents address this morning, I was encouraged by the words that came out of his mouth. I know they are only words and we'll have to wait and see. (it seems as if that is what politics is all about!) I must say I'm not sure where all this money is coming from, you definitely can't just manufacture money and place it into rotation. I'm skeptical, but encouraged.
I'd like to hear what everyone has to say, good or bad. We as Realtors, have an opportunity to help out many sellers, even if it involves not selling a home, but building some very strong professional relationships (re-setting ourselves as industry experts). This new plan is going into effect in just two weeks! (I'm not holding my breath)
So the gist of the plan is this:
1) There are currently 4-5 million Fannie or Freddie loans that are ineligible for refi in the US. This plan will convert those ineligibility's into those that now would qualify. The lenders in the prime market would be required to refi at reduced interest rate. Q: What criteria decides the eligibility of a borrower? The 80% LTV restriction for these borrowers would be removed to allow those loans that are now upside down to be refinanced.
2) Sub-prime lenders would be encouraged (not required) to participate and refi those borrowers in trouble to a max of 31% of their monthly income. (if they want govt assistance, they must participate). They buyers must be able to pay their mortgages on time and stay current to qualify. Q: Why wouldn't they be required to participate?
3) By assisting Fannie & Freddie, rates would be kept low for new home buyers. The treasury would allocate $200bil. to F & F in security purchase (of tax-payers dollars) to "stabilize" those lenders backed by F & F.
4) Pursue reforms to avoid foreclosures by allowing court ordered plans (refi plans that the lender and borrower must follow)
5) Support local communities and neighborhoods trying to find their own way out of this crisis by sending grant or funds to help them out.
The whole; "If it sounds too good to be true it probably is" directly comes to mind, but I guess we'll find out in two weeks what will really happen. I for one hope it will spark buyer spending and turn the market around. Still, I wouldn't look for that to happen this year, but any upswing would be received with open arms by my team!
I welcome all comments, I know this is a HUGE subject with all kinds of responses possible. Please, let us know what your thought are!
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.