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Commercial real estate: an accounting shell game
in Sox First, on November 1, 2009
...was warning the commercial real estate market in the United States looked likely to trigger a new mortgage crisis with a soaring delinquency rate and building owners struggling to finance the massiv...
Schon gesehen? - Die wichtigsten Wirtschaftsdaten für heute
in Das Börsen Weblog, on 28.10.09
...mmobilienflaute trifft einige Bundesstaaten heftig. So kommen am Mittwoch: Mortgage Application Survey, Existing Home Sales und am Donnerstag die New Home Sales (für Juli). Darüberhinaus die Schätzun...
Deciding What You Can Afford in a House
in The Personal Finance Weblog, on October 13, 2009
...ut last time) assumes that with 20% down, you'll need 25% of monthly household income to cover your mortgage, real estate taxes, and insurance—the banks start out by being slightly more generous. Most...
Mortgages: 30-year or 15-year?
in The Personal Finance Weblog, on October 11, 2009
...copy; sfadden
Get Rich Slowly ran a piece late last month that compared 15-year and 30-year mortgages.
The fairly lengthy blog post is based on the personal experience of one of GRS's staf...
The Goldman Sachs lie
in Sox First, on October 11, 2009
...redit-card lines to be removed from the system by the end of 2010. This includes not only the large lenders reducing exposure but also the shuttering of several major subprime credit-card lenders." B...
A system to let institutions fail
in Sox First, on October 11, 2009
...the Financial Times , Levitt says we need a system that ensures investors, long-term debt holders, lenders and management suffer pain commensurate with the risks they allowed an institution to take. ...
Should ratings agencies go the way of Arthur Andersen?
in Sox First, on October 3, 2009
... for the investment public. Why haven't the rating agencies that were complicit in the subprime-mortgage securities scandal suffered the fate of Arthur Andersen? Despite some moves in Congress to ...
Luxury hotels the latest victims of the recession
in Sox First, on September 25, 2009
.... As the Atlantic Monthly's Daniel Indiviglio points out, this could devastate the commercial mortgage-backed securities (CMBS) market and that will damage the US economy even further. There is...
Elderly turn to bank robbery in recession
in Sox First, on September 20, 2009
...s impact with reports about how Michael Casey Wilson, 69, was forced to rob a bank to pay his 17% mortgage. Up until now, Wilson has had a clean record. This follows on from a Washington Post repor...
Nothing learned from Lehman collapse
in Sox First, on September 14, 2009
... commodities and exotic financial products. Jacobs writes: "They're still packaging risky mortgages into securities and selling them to investors, who can earn higher returns by purchasing t...
Banker lived it up on foreclosure
in Sox First, on September 12, 2009
...
Hats off to the Los Angeles Times for bringing us the story that while the mortgage crisis has resulted in people losing their homes and banks closing down, there is one executive at Wells Farg...
The next bubbles
in Sox First, on September 12, 2009
...bout 10 bubbles in the making: China; gold; renewable energy; the Fed snapping up $1.25 trillion of mortgage backed securities; the prices of junk financial stocks like Fannie, Freddie, AIG, Citi and ...
New Final Fantasy XIII Shonen Jump Scan
in Wangtam, on 2009-09-04
...ases.net
• Sell Handmade Crafts
• Server Makers Go Retro as Sales Plummet
• Happy 10th birthday, Blogger ...
US taxpayer bailout for subprime firms
in Sox First, on August 31, 2009
...ram (HAMP) which was created in February by the Obama administration to coax lenders into modifying mortgages that might otherwise result in foreclosure. And unlike the bank bailouts, taxpayers won&#... ...dable Modification Program (HAMP) which was created in February by the Obama administration to coax lenders into modifying mortgages that might otherwise result in foreclosure. And unlike the bank ba...
Commercial real estate to create a new mortgage crisis
in Sox First, on August 31, 2009
...ding owners are struggling to refinance loans. As the WSJ says, the problems hitting the commercial mortgage backed securities sector will damage what's left of the banks. WSJ reporters Lingling ...
Free Software Foundation trashes Windows 7
in Wangtam, on 2009-08-29
...s?
• Wikitude.me - Geo-tag the World
• Zoho Creator Partner Program
• OpenOffice.org 3.1.1 Final for Windows
• OpenOffice.org 3.1.1 Final for Linux
• OpenOffice.org 3.1.1 Final for Mac OS
•...
No relief from foreclosure mess
in The Mortgage Roadmap, on August 24, 2009
... worse.
According to a story in the Wall Street Journal, one in every eight U.S. households with mortgages was either in foreclosure or behind on its mortgage payments in the second quarter of thi...
Cocaine dollars
in Sox First, on August 18, 2009
... maybe. Let's just see if that's reflected in the unemployment, bankruptcy, foreclosure and mortgage delinquency figures. And before you rush off to sniff a bill, the Big Bear Observation Po...
Is renting the new American Dream?
in The Mortgage Roadmap, on August 15, 2009
...ry about the fear and anxiety that a home can cause when its owners are struggling to make their mortgage payments. The threat of foreclosure is a terrifying one. It's certainly no American drea...
Foreclosures dogging the middle class
in The Mortgage Roadmap, on August 14, 2009
...boom? We liked to say it was because of all those greedy homeowners who took out high-risk subprime mortgages to get into homes they couldn't really afford.
Well, today's foreclosure victim i...
Loan clinic the cure for mortgage ailments?
in The Mortgage Roadmap, on August 13, 2009
...Pres. Barack Obama has put an increasing amount of pressure on mortgage companies to restructure the loans of homeowners who are struggling to make their monthly payments. Many homeowners, though, hav...
Mortgage rates on the rise, again
in The Mortgage Roadmap, on August 12, 2009
...There was one positive of the housing slump: Mortgage interest rates kept going down.
Now that the housing market is in the early stages of a fragile recovery, mortgage interest rates are no longer f...
Odds are good you'll be "underwater" by 2011
in The Mortgage Roadmap, on August 10, 2009
...ll be "underwater" by 2011.
No homeowner wants this. It's when you owe more on your mortgage loan than what your home is worth. According to a news story in the Victorville Daily Press,...
US mortgages underwater
in Sox First, on August 7, 2009
...on for some time, even if it's unofficial. Bloomberg reports that 48% of US homeowners with a mortgage are likely to owe more than their properties are worth before the housing recession end. In...
Fate stay night /命运之夜 最强的从者 SABER 制服版手办
in Wangtam, on 2009-08-07
...
• TomTom iPhone pricing leaked
• The Summarizer
• Windows 7: The Best Features and Tips
• Windows 7 Review: You Can Quit Complaining Now
• Mashable's Twitter Guide Book Now Available fo...
More good news for the housing industry
in The Mortgage Roadmap, on August 7, 2009
...ed to the housing market. Simply put, if people are buying and selling homes — and taking out mortgage loans while doing it — the country's economy seems to hum along. When people are ...
Loan modifications not fast enough for foreclosures
in The Mortgage Roadmap, on August 5, 2009
...TruthAbout...
Pres. Barack Obama's foreclosure-prevention program has seen some successes: Mortgage companies have offered to modify more than 406,000 existing mortgage loans, hopefully to kee...
Want a good retirement? Pay off that mortgage loan first
in The Mortgage Roadmap, on August 3, 2009
...ls? Will you have enough to meet any unexpected money challenges that pop up?
Then there's the mortgage question. According to a story by the Boston College Center for Retirement Research, a grow...
Is the housing bust over?
in The Mortgage Roadmap, on July 30, 2009
...my income is tied into the housing industry because I write for several publications that cover the mortgage and real estate businesses. I'm thrilled to see things finally start to improve.
Perso...
Goldman Sachs in the gun
in Sox First, on July 30, 2009
...us on whether internal communications, such as email, show bankers had private doubts about whether mortgage-related securities they were putting together were as financially sound as their public pro...
Loan-modification program not meeting its goals
in The Mortgage Roadmap, on July 28, 2009
...p with a program to reduce the number of home foreclosures across the country by modifying existing mortgage loans. Problem is, the program hasn't had the impact that administration officials had ...
More data that show an upswing in housing market
in The Mortgage Roadmap, on July 23, 2009
You can practically hear the real estate agents screaming for joy. Yes, there is yet more evidence today that the housing market is in the midst of a recovery. Yes, it's early in the process. And, yes, again, it's still a fragile recovery. But it is a recovery, and that means that real ...
Is buying nearly as affordable as renting? Don't believe the hype
in The Mortgage Roadmap, on July 22, 2009
...owning a house made more financial sense than did renting. Inevitably, they'd say that with low mortgage interest rates, the monthly payment for a house wasn't much higher than a typical month...
More real estate culprits still making money off industry
in The Mortgage Roadmap, on July 21, 2009
...Yesterday, I wrote about a shady mortgage loan officer who is now working for a loan-modification company. This individual, who helped talk his clients into risky loan products that often landed them ...
Home construction starts rise. Another sign of a recovery?
in The Mortgage Roadmap, on July 17, 2009
Is the long housing slump nearing an end? I suppose that depends on whom you ask. But there are a growing number of signs that, while things definitely still are not rosy in the housing industry, we may have reached the bottom of the market. Hitting bottom is good; Once a market has done that, ...
Is the arrow still pointing down for the housing industry?
in The Mortgage Roadmap, on July 15, 2009
...w if I can take 18 more months of fretting about rising foreclosures, homes that won't sell and mortgage delinquencies. It's all too darn depressing.
The Reuters story, which cited a report b...
Larry Summers: the worst is yet to come
in Sox First, on July 13, 2009
...ers still says the right measures are being taken and that, in time, will lift confidence and lower mortgage rates. He told the FT that he wants the US to emerge out of this 'more export-oriented&...
Do you still have faith in Obama's stimulus plans?
in The Mortgage Roadmap, on July 10, 2009
I happily voted for Barack Obama last year. I was thrilled to see George Bush and his cronies swept away.
But I had no illusions: I knew that fixing the country's problems, especially its struggling economy, would require a long, hard slog. I knew, too, that things weren't magically g...
Why it matters if your neighbor's struggling to pay the mortgage
in The Mortgage Roadmap, on July 9, 2009
...
You might not want the federal government to bail out your neighbors who took out bad mortgage loans and now can't pay their monthly bills on time.
Most of them were greedy, you might say. ...
Beware loan-modification scams
in The Mortgage Roadmap, on July 7, 2009
...ils the plight of a Hesperia, Calif., homeowner who thought she was working with officials from her mortgage lender to modify her mortgage loan. The homeowner paid more than$5,000 that she thought was...
Taking out a mortgage loan without going mad
in The Mortgage Roadmap, on July 6, 2009
...There's one secret to taking out a mortgage loan without losing your mind: Don't obsess over those mortgage interest rates.
Unfortunately, this is the one piece of advice very few borrowers l...
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...
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 ...
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 22, 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 19, 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...
Does Obama's patchwork overhaul go far enough?
in Sox First, on June 18, 2009
...s. First, they set up a Consumer Financial Protection Agency which will have the authority to force lenders to offer straightforward credit products, increase access to them and make all financial ins...
Higher mortgage interest rates putting a scare in homebuilders
in The Mortgage Roadmap, on June 16, 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...
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 9, 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 h...
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 3, 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-...
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 30, 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 ...
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...
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...
Bankroll blues
in Sox First, on May 7, 2009
...ith this is the second report, published here , showing that the top 25 US originators of subprime mortgages spent millions bribing politicians to avoid tighter regulation of their industry. Accordin... ...ced by investment banks now receiving bailout money. Investment banks owning and financing subprime lenders included Merrill Lynch, JPMorgan and Citigroup which all received taxpayer money. Connected...
