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  2. Mortgage
    3. (Page 4)

Mortgage

Government Struggles to Keep Interest Rates Low

Mortgage rates are rising, despite the government’s efforts to hold them down.   The government can’t control all the factors that affect mortgage rates. Mortgage interest has climbed because more borrowers refinanced when rates fell and boosted the supply of mortgage bonds.   Experts also attribute rising rates to expanded borrowing by the government to […]

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Can You Still Buy Without a Fixed Mortgage?

Buying a house doesn’t necessarily require getting a 30-year, fixed-rate mortgage. More and more people are exploring alternative financing plans as it gets harder to get a conventional bank loan. Here are some creative ways to pay for a home, according to some financial experts: Securities-backed loans. The lender gives the borrower 80 percent of […]

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4 Tips to Getting a Loan

These days one of the biggest impediments to closing a real estate sale can be the buyer’s ability to get a mortgage. Here are some tips for anyone who hopes to land a loan: Turn to the government. The biggest source of loans these days is the Federal Housing Administration (FHA) and the Veterans Administration […]

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What You Can Do to Improve Your Credit

Credit scores, along with your overall income and debt, are big factors in determining whether you’ll qualify for a loan and what your loan terms will be. So, keep your credit score high by doing the following: 1. Check for and correct any errors in your credit report. Mistakes happen, and you could be paying […]

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Warnings of Mortgage Meltdown Were Ignored

According to a review of regulatory documents by the Associated Press, the Bush administration ignored multiple warnings of impending financial meltdown during the last five years and didn’t follow through on federal regulator’s proposals for tighter regulations. In 2005, federal bank regulators proposed new guidelines for banks writing risky loans. They proposed a cap on […]

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Loan Company Tries Cutting Mortgage Principal

 At least one loan servicing company is retooling mortgages to lower the loan balance as well as the rate in order to keep borrowers in their homes. Reducing the principal on mortgages is “a last resort,” says Paul Koches, executive vice president at Ocwen Financial Corp., a West Palm Beach, Fla., loan servicer. Ocwen has […]

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Another Short Sale WIN!!!

Great news! We have another short-sale win, this time in  Westview! While it’s been a 10mths struggle to get the bank to come around- it’s also been 10 months of preventing an owner from being foreclosed on!! I’m very excited about this win as I have seen many agents attempt to negotiate short sales in the past […]

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Reintroducing FHA under 580!!!

Reintroducing FHA under 580!!!  Just in, I received information from a mortgage officer on this program. If your credit score is 550-580 there is now a mortgage plan for you! As per my mortgage officer :”Read the guides as they are different than the regular FHA guidelines. They need 5% of their own money seasoned […]

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JPMorgan Chase Freezes Foreclosures!!!

“In what may the biggest sign yet that banks are getting serious about attacking the nationwide wave of home foreclosures, giant JPMorgan Chase (JPM) announced on Oct. 31 that it is sharply ramping up its efforts to restructure the loans in its massive mortgage portfolio. For the next 90 days, JPMorgan will not place any […]

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Attention Prospective HomeBuyers

HomeSteps will pay up to 3.5%** Buyers Closing Cost Offer Buy a HomeSteps Home and save! HomeSteps will pay up to 3.5%** of the purchase price in closing costs for all offers presented on HomeSteps homes between October 23, 2008 and January 31, 2009. With our generous offer, homebuyers save money with each qualified closing! […]

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