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Archived Mortgage & Real Estate Past Featured Articles


What Is the Best Mortgage Now: Fixed or Variable-Rate?

It was recently reported that for the week ending March 25, 2011, that national median mortgage rates were 4.79% for a 30-year FRM (Fixed Rate Mortgage) and 3.41% for a 5/1 ARM (Adjustable Rate Mortgage). The monthly principal and interest due on a FRM for a $200,000 loan is $1,048.12 and $888.07 for an ARM. Because the ARM is $160.05 less per month for five years the initial savings is $9,603. So, if $1,048.12 per month is affordable a home owner could use that same ARM to qualify for a larger mortgage of around $36,000.

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Be Wary of Real Estate Con Artists – The Types of Common Real Estate Scams

Real Estate and Mortgage fraud have been popular with scammers for generations. In the last few years as the economy gets worse, when people are making less or losing their jobs, the practice has become even more prevalent as homeowners are being slapped with the threat of foreclosure and being preyed upon in their hour of need. Many have succumbed out of the fear of losing their homes and some are entering into fraudulent or bad mortgages because loan approvals are so hard to get now.

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Skyrocketing Real Estate Sales Hit an Historical Benchmark

Day after day, the chatter that is heard is all about the rising cost of homes, record low interest rates, refinancing through hybrid amortization plans and home sales remaining unabated. Despite all the talk and speculation of a bubble that's going to burst, April of this year was the highest month on record for sales of existing homes. May is virtually in the same category. While the median cost of homes continues to rise, and the demand for housing does nothing to stifle these price increases, the most basic rules of supply and demand have gripped the nation.

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Bank Regulators Introduce New, Stricter Mortgage Loan Proposal

As a result of the financial meltdown that took place in America between 2007 and 2010 H.R. 4173 Dodd-Frank Act was enacted at a time when the U.S. economy was faltering and trying to right itself. The Dodd-Frank Act is a big part of the concerted effort to avert future disastrous economic problems, while revamping our system of financial services regulation with new controls on large and systemically significant institutions. It has also created an agency to administer consumer banking transactions that previously were exempt from the supervision of regulators. The Dodd-Frank Act is a big part of the United States modernizing and bringing bank regulations up to the current needs of the nation.

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New Mortgage Laws Are in the Buyer's Favor at Closing

For a very long time now consumer advocates have complained about many aspects of the mortgage industry, most especially what can take place at the closing. Time and again home buyers arrive at the closing prepared to sign the relevant documents and take possession of their new home only to discover that the costs of the closing have escalated and not by a small amount either. To add insult to injury the estimate of closing costs that was previously presented to buyers in preparation of the closing, which is called the Good Faith Estimate (GFE), was not actually presented in good faith at all. It became common practice for the estimate to escalate, and rarely if ever, go down in cost.

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Short Sales Disclosure Rules for Realtors

The American real estate market from coast to coast is rife with foreclosures and has been since the bust began back in 2006. The amount of foreclosures in 2010 according to www.realitytrac.com was 3,800,000, and as recently as February of this year one out of every 577 homes was foreclosed; in California alone the statistics climbed to 1 out of every 119 for the same month. As of April of this year the Mortgage Bankers Association was estimating that 1 out of every 200 homes in America will be foreclosed upon, and www.realitytrac.com reports that 1,880,530 homes were already foreclosed upon within the first quarter of 2011.

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Post-Bubble Mortgage Loan Tips

After the real estate bubble burst in what has since become known as the subprime mortgage fiasco the government has belatedly decided to issue more strident criteria for loan approvals. Despite the fact the mortgage industry helped to lead Americans into this situation consumers are the ones who are now being asked to “take the blame” for it in the way of new lending rules and regulations. Despite these new tougher guidelines people with good credit are seeking loans and being improved. The following are a few pointers that could help you qualify for a home loan.

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  Slow Housing Sales Is Still the Greatest Weakness of the Expansion

Typically the spring season in America is open house season and homebuyers and the residential property market is abuzz. But ever since the housing bubble burst a few years ago the spring house buying season has become less and less active, and sales have plummeted. Fitch Ratings, Wells Fargo, Fannie Mae and Freddie Mac are all projecting this trend to continue through the spring of 2011 and the most recent Case-Shiller Home Price Indices indicate a drop from the 2010 spring buying season, in spite of a slight increase in 2009 figures.

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New Home Defects Can Cast You Into the Money Pit - Part 1 of 2

I am sure that most of you will remember the 1986 comedy starring Tom Hanks and Shelly Long, The Money Pit. And, I am sure that by now you all have met people who have suffered the same agonizing woes as their film counterparts, and it wasn't necessarily an old fixer-upper either to be labeled a "money pit."

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New Home Defects Can Cast You Into the Money Pit - Part 2 of 2

In our previous article we extensively covered the growing phenomenon of new and recently built homes falling into the "Money Pit" category due to defective construction. As a result of close to fifteen percent of new homes, that are being placed on the market today having major defects, litigation and settlement for repairs has become an industry unto itself. As a result the insurance underwrites have jacked up the prices for premiums year after year.

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