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Housing slump boosts population in New York City, other big cities
in The Mortgage Roadmap, on July 3, 2009
The housing slump has certainly had some unforeseen consequences. For instance, it may have actually helped boost the number of people living in New York City, Los Angeles and Chicago.
A story by Bloomberg News theorizes that falling home values in the suburbs of California and Florida may h...
It's getting tougher to get a mortgage-broker license
in The Mortgage Roadmap, on July 2, 2009
...It's harder to become a mortgage broker these days. Of course, it seems like an ever dwindling people want to be mortgage brokers today. Maybe, then, it's an example of everything working out ...
Are you ready for a mortgage loan?
in The Mortgage Roadmap, on July 1, 2009
...ut to be a homeowner right now. You may not be financially ready to take on the burden of a monthly mortgage payment.
Look at your history of paying your existing bills. Are you ever late sending in ...
Is plain vanilla the right goal?
in The Mortgage Roadmap, on June 30, 2009
...as called for the creation of a new consumer protection agency. The agency would have dominion over mortgage lenders. And as part of their new rules, mortgage lenders would have to offer customers wha...
Would you walk away from your mortgage loan?
in The Mortgage Roadmap, on June 29, 2009
...occurrence in today's housing market — would you be willing to simply walk away from your mortgage? Would you have any qualms about not making that monthly payment and simply leaving your ho...
Dragging out the foreclosure mess
in The Mortgage Roadmap, on June 26, 2009
...cording to a story in the Washington Post, a growing number of homeowners have stopped paying their mortgage bills. But they're still living in their homes. That's because there are so many fo...
Home sales rise again. Is this a housing recovery?
in The Mortgage Roadmap, on June 25, 2009
...go-go pace of the recent housing boom. That market was one built on false promises of wealth and on mortgage money that was too easy to get.
Those days are behind us. And, really, that's good new...
Don't believe the homeownership hype
in The Mortgage Roadmap, on June 24, 2009
...#39;s a simple reason for this: Homes aren't as good of an investment as real estate agents and mortgage loan officers make them out to be.
Yes, homes historically have risen in value. There'...
Did Sonia Sotomayor's mortgage views help send county into recession?
in The Mortgage Roadmap, on June 23, 2009
...ar conservative commentators on FOX News and other stations putting the blame for the country's mortgage meltdown on the poor and on the federal agencies that tried to get them into homes.
Their ...
Beware of loan-modification scams
in The Mortgage Roadmap, on June 21, 2009
...wing, too: loan-modification scams.
The scammers target homeowners who have fallen behind in their mortgage payments or those who are facing foreclosure. They promise to modify these homeowners' ...
A new wave of mortgage foreclosures on the way?
in The Mortgage Roadmap, on June 18, 2009
...hink that we'll be seeing fewer homes fall into foreclosure, and fewer homeowners missing their mortgage payments.
I'd like to think all that. Unfortunately, I can't.
What I really think...
Do you trust the government to protect you from mortgage lenders?
in The Mortgage Roadmap, on June 18, 2009
...
Do you have faith that the government can protect you and other borrowers from bad mortgage loans pushed by shady mortgage lenders? If you answered "yes" to this question, you'll be...
Does owning a home have to be the American Dream?
in The Mortgage Roadmap, on June 17, 2009
...for our problems, don't we? And today, a lot of us are busy looking for people to blame for the mortgage meltdown the country is currently suffering through.
You know all about the meltdown: Hous...
Higher mortgage interest rates putting a scare in homebuilders
in The Mortgage Roadmap, on June 15, 2009
...no surprise, then, that home builders are spooked rather easily these days.
Today it's higher mortgage interest rates that are giving builders the willies. A story in the Wall Street Journal po...
How'd the mortgage meltdown happen? NPR knows
in The Mortgage Roadmap, on June 15, 2009
...One of the problems with the mortgage mess that is still slowing the nation's economic recovery is that so few of us regular homeowners understand how everything went so bad so fast. I mean, I cov...
Want a better credit score? Manage your money
in The Mortgage Roadmap, on June 12, 2009
...round. For most, though, the credit score is the key to determining whether they will qualify for a mortgage loan.
Lenders want to see a high credit score — a numerical figure that encapsulates...
Will rising mortgage interest rates stop housing recovery?
in The Mortgage Roadmap, on June 11, 2009
...
Mortgage interest rates are still pretty low. But they are rising. That has some economists worried. They're wondering whether increasing mortgage interest rates will slow or even halt the mo...
Is it time to refinance your mortgage?
in The Mortgage Roadmap, on June 10, 2009
...ble. Yes. But there is a bright spot for certain homeowners: The weak economy has resulted in lower mortgage interest rates. That means it's a good time to refinance a mortgage loan.
Of course, e...
Are reverse mortgages the next trouble spot?
in The Mortgage Roadmap, on June 8, 2009
...
I've learned not to necessarily trust everything that mortgage professionals say. But that's because I've been covering the mortgage and real estate industries for more than a decade ...
Wells Fargo accused of pushing bad loans on African-Americans
in The Mortgage Roadmap, on June 8, 2009
...
Whenever I tell people that borrowers shouldn't always be blamed for the bad mortgage loans that they take out, I get sneers. These borrowers should have done their homework before taking out...
Banks fight to keep accounting tricks
in Sox First, on June 6, 2009
...he banks to take that lying down. Up until now, the banks had kept assets and liabilities including mortgages and credit-card receivables off their balance sheets and regulators say the change will re...
Mortgage giant Mozilo charged with fraud
in The Mortgage Roadmap, on June 5, 2009
...want to pinpoint the villains who really brought on the housing mess, look at the top levels of the mortgage-lending industry.
That's where you'll find people like Angelo Mozilo, former head ...
Rising healthcare costs put strain on homeowners
in The Mortgage Roadmap, on June 4, 2009
...re, too. Of course, the two are related.
But unemployment isn't the only factor in the rise of mortgage delinquencies and housing foreclosures we're now seeing. Credit card debts are high, to...
Mortgage delinquencies not slowing
in The Mortgage Roadmap, on June 2, 2009
...their headlines.
Yesterday, in fact, brought me more bad news. I cover residential real estate and mortgage financing for a living. I'll be honest: It's been a pretty glum beat the last year-...
Be honest with your finances before taking on a mortgage
in The Mortgage Roadmap, on June 2, 2009
...But one of the biggest factors? Borrowers weren't honest with themselves before taking on their mortgage loans.
A mortgage loan is a huge responsibility. For most people, it's the biggest mon...
Even Hollywood hates mortgage loan officers these days
in The Mortgage Roadmap, on June 1, 2009
... Sam Raimi, received mixed reviews last week. But it certainly can't be the critical darling of mortgage loan officers.
That's because the star of the film, the person being dragged to Hell, ...
More bad news: Mortgage delinquencies on the rise
in The Mortgage Roadmap, on May 29, 2009
...at the nation's rising unemployment rates helps push a record number of homeowners into either mortgage delinquency or foreclosure .
According to the Post story, about 12.07 percent of the natio...
More housing woes
in Sox First, on May 29, 2009
...dam York, an economist at Wachovia Corp. in Charlotte, North Carolina told Bloomberg . But the Mortgage Bankers Association's mortgage delinquency figures suggest the bottom is nowhere in si...
Mortgage interest rates went up. Don't panic!
in The Mortgage Roadmap, on May 28, 2009
...Yes, mortgage interest rates rose this week. According to Bankrate.com , the average 30-year fixed-rate mortgage loan carried an interest rate of 5.45 percent. That's up from 5.24 percent a week ...
Is your credit score falling?
in The Mortgage Roadmap, on May 27, 2009
...
There's one number that means more than all the rest when you're applying for a mortgage loan: your credit score.
Also known as your FICO score, this number condenses your history of pa...
Loan modifications not always helping homeowners
in The Mortgage Roadmap, on May 26, 2009
...mportant part of the federal government's efforts to halt foreclosures. Basically, they involve mortgage lenders working closely with struggling homeowners - those who are having trouble making th...
You can lower your mortgage interest rate -- BEFORE you take out that loan
in The Mortgage Roadmap, on May 25, 2009
...
The average mortgage interest rate on a 30-year fixed-rate mortgage loan last week was still below 5 percent. Historically, that's an amazing rate.
That doesn't mean, though, that there...
How low will interest rates go? Who knows?
in The Mortgage Roadmap, on May 22, 2009
...Applying for a mortgage loan — whether it's a new loan or a refinance — sometimes feels like a big gamble.
Interest rates on the 30-year fixed-rate mortgage loan may stand at 5.1 perc...
The refi money is still flowing
in The Mortgage Roadmap, on May 21, 2009
...ill slumping housing market: The government has consistently made moves that have resulted in lower mortgage interest rates.
This means that buyers who qualify for mortgage loans at an interest rate ...
Will credit card bill stall mortgage foreclosures?
in The Mortgage Roadmap, on May 20, 2009
...ween this spiraling credit card debt and housing foreclosures? Probably. It's hard to make your mortgage payments when you're already deep in debt.
The numbers on the foreclosure side are eve...
How bad is the housing market? That depends
in The Mortgage Roadmap, on May 19, 2009
...
So you're looking to buy a home. You're interested in a mortgage loan. But you're wondering: You've heard some good news recently regarding the U.S. housing market. Has a recovery...
Will federal mortgage loan assistance hurt your credit rating?
in The Mortgage Roadmap, on May 18, 2009
...For homeowners struggling to make their mortgage payments, the federal government's new Making Home Affordable program — which lets homeowners refinance their existing mortgage loans or mo...
SEC official abuses position
in Sox First, on May 18, 2009
Earlier this month, I did a blog entry looking at how appallingly the Securities and Exchange Commission has been managed. Basically, it's a case of of the lunatics running the asylum. Adding to that, we now have the Washington Post tells how an SEC official, deputy secretary Florence H...
Times' reporter's story a reminder: It's easy to fall into foreclosure nightmare
in The Mortgage Roadmap, on May 15, 2009
... ear. They tell me that they're frustrated that homeowners who were simply greedy, and took out mortgage loans with artificially low initial interest rates, are now placing a burden on the rest of...
More bad news: Housing foreclosure activity remains at record levels
in The Mortgage Roadmap, on May 14, 2009
...e prospect of losing their residences.
But if you do find yourself falling behind on your monthly mortgage payments, you must call your mortgage lender immediately. Remember, your lender sees no fin...
Looking to buy? Your mortgage loan might be smaller than ever
in The Mortgage Roadmap, on May 13, 2009
...tes — than it's been in years. And this means that many buyers will be taking out smaller mortgage loans in order to purchase these homes.
Bloomberg reported that the nation's median h...
Navigating the new mortgage roadmap
in The Mortgage Roadmap, on May 12, 2009
...I applied for my most recent mortgage loan back in 2006. You might remember that this was right before the housing boom ended and the housing crash began. Bad timing on my part. Today, my home is wort...
No recovery in sight
in Sox First, on April 30, 2009
...ty was "likely to remain weak for a time". With the Fed printing money to buy Treasurys, mortgage-backed securities and housing agency debt , some economists are predicting the US economy w...
Recession: neither the beginning of the end or end of the beginning
in Sox First, on April 13, 2009
...d, and probably not even at the end of the beginning. "Of course mortage rates are declining, mortgage orginations are surging, and people and companies are borrowing more," Reich says. &qu...
More bad news ahead, says Roubini
in Sox First, on April 8, 2009
...g a steep decline in the the use of credit cards and Reuters reporting that 7% of homeowners with mortgages were at least 30 days late on their loans in February, up 50% from a year ago. The scary p...
Corsair Officially Launches the Voyager Port
in On Storage, on April 2, 2009
...backup and recovery software.
"With 64 GB pen drives now costing somewhat less than a second mortgage - and ever larger units doubtless on the horizon - it's a neat idea, but one which can ...
Pay Less On Your Taxes This Year
in The Personal Finance Weblog, on March 27, 2009
...uch as a wedding, a new child, unemployment, received an inheritance, paying for education, a new mortgage, etc. This could mean that you have more to report or it could result in a change of status.
...
Mortgage fraud and AIG
in Sox First, on March 17, 2009
...
Mortgage fraud is on the rise, up 26% , and it's a serious problem. Fewer loans are being processed but there's more fraud, suggesting there is a real sickness in the system. It means peo...
5 Reasons to Get Out of Debt Quickly
in The Personal Finance Weblog, on March 6, 2009
...19
Besides not being able to save money, being in debt is a terrible place to be - not counting a mortgage or car payment. It is not a desirable place to be. Instead, start calculating ways to get o...
5 Ways to Save Money This Year - A Lot of It
in The Personal Finance Weblog, on March 5, 2009
...re are 5 ways for you to save money - a lot of it - this year.
1. Save Money by Refinancing Your Mortgage
It is possible that you may be paying a higher interest rate than what is now available....
The vagueness of Obama
in Sox First, on February 26, 2009
... Newsweek has even pulled out the fact checkers to show that Obama got certain things wrong. From mortgage aid to oil imports. Oh yeah, and the US did not invent the automobile (credit should go to ...
The Two Trillion Dollar Meltdown by Charles R Morris
in Sox First, on February 19, 2009
.... It's not that we didn't have any warning. Morris makes the point that the collateralised mortgage obligations crisis, the 1987 stock market crash and the collapse of Long Term Capital Manag...
Greenspan wants to nationalize banks
in Sox First, on February 19, 2009
...tors. As a result, you got a stock market bubble that was followed up by an even bigger housing and mortgage credit bubble. And now, he talks about nationalizing the banks, to clean up the mess he ma...
Bad Money by Kevin Phillips
in Sox First, on February 17, 2009
...e financial sector take over the US economy, a turbo-charged growth of financial debt and extending mortgage credit to subprime and other unqualified buyers, swelling the housing, mortgage and credit ...
50 余款帮你致富的免费 iPhone Apps
in Wangtam, on February 12, 2009
【银行】
• 1st Mariner ATM/Branch Locator
• Bank of America
• Chase Mobile
• IBC Mobile
• Mobile Banking on AT&T
• PayPal
【金融新闻与行业报价】
• Black Gold
• Bloomberg
• eDerivaties
• Gold Price
• Kcast Gold Live!
• Metal Quotes
• Oil and Gas
• RateWatch
Geithner's vague debut
in Sox First, on February 11, 2009
...he fundamental problem is that there just isn't enough detail. The plan is to to purchase toxic mortgage assets through some sort of vague public-partnership, but no-one yet knows exactly how that...
Save Money by Reducing Your Debt
in The Personal Finance Weblog, on February 5, 2009
...294659
If you calculate just how much you actually pay in interest each month (not counting your mortgage) - you will probably be surprised. Most likely, it is more than you think. One way to save ...
Bailout transparency problems continue
in Sox First, on January 31, 2009
...sets remaining on bank balance sheets, and subsidies for programs that reduce unsustainable monthly mortgage payments. Still, the US Government should pay heed to the latest Government Accountabilit...
The meltdown's rogue gallery
in Sox First, on January 26, 2009
...allowed the housing bubble to develop as a result of his low interest rates, who failed to regulate mortgage lending, who defended the derivatives business which mushroomed under his regime and who ba...
Saving Money Isn't What It Used to Be
in The Personal Finance Weblog, on January 23, 2009
...hard because they had used a lot of that extra credit that was easily available. Whether it be on a mortgage, a credit card, or a car payment, if things get tight again - and jobs lost, all that debt ...
Britain Starts Offering "Lifeline Credit" To Small Businesses Today
in Exclusive from our news room , on January 13, 2009
...s of the Business Ministry which has funds sufficient to refinance up to 20 billion pounds worth of mortgages.
Here's the details from "The Guardian" .
...
Fixing the financial system
in Sox First, on January 12, 2009
...lish a super-agency that would have broad powers to regulate investment banks, insurance companies, mortgage companies, hedge funds, finance companies, thrifts, credit unions, commodity firms, brokera...
What's ahead for US financial institutions?
in Sox First, on January 6, 2009
...ago, it is worth looking to see what lies ahead for the US financial services sectors, particularly mortgage brokers, private equity firms and hedge funds. Economist james K Galbraith has produce...
Diagnosing the liquidity and credit crunch
in Sox First, on January 6, 2009
...s about structured finance products. One reason is that these models were based on historically low mortgage default and delinquency rates. More importantly, past downturns in housing prices were prim...
Creative Destruction? This Recessions is Partly the Change of an Era...
in TJ's Weblog, on December 26, 2008
...nough to make you forget other contributing factors for our recession, like the deregulation in the mortgage industry that led to the credit crunch. Where people have been spending beyond their means ...
Niall Ferguson: The Ascent of Money
in Sox First, on December 23, 2008
...e behind the triumph of the US, particularly with its innovations in consumer credit, insurance and mortgage finance. Significantly, the unwinding of these areas and the financial crisis it has create...
Bernanke the banker
in Sox First, on December 17, 2008
...d, over the next few quarters the Federal Reserve will purchase large quantities of agency debt and mortgage-backed securities to provide support to the mortgage and housing markets, and it stands rea...
George W rewrites history
in Sox First, on December 12, 2008
... binge, the beneficiaries of the tax cuts absorbed newly issued securities primarily in the form of mortgage obligations and the bulk of the real investment was spent to build residential homes to exc...
Will Obama's job plan work?
in Sox First, on December 7, 2008
.... Their indebtedness is still high, by historic standards. And many are worried as well about their mortgage payments. So consumer spending is also falling off a cliff." More to the point, he sa...
No quick fix for US housing market
in Sox First, on December 5, 2008
...
The US housing market continues to go from catastrophic to worse, with delinquency rate for Mortgage loans, 90 days overdue, has hit record levels, according to the latest figures from the Mo...
