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Streamlined Modifications:  Document-Free Mortgage Help

Streamlined Modifications: Document-Free Mortgage Help


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Even though indications are that the housing market is looking up after the disastrous crash a few years ago, the mortgage lending industry is still digging itself out of some very deep holes. Among the numerous problems facing major lenders both private and federal is the lingering issue of delinquent...

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Going Green Means Big Gains in Housing

Going Green Means Big Gains in Housing


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“Green” houses mean greenbacks for investors Houses featuring environmentally friendly upgrades and energy-saving devices command higher prices, attract more affluent tenants, and improve neighborhoods. While going green may look expensive, a variety of perks are available for the landlord/investor...

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New Employment Stats Change Federal Bond Buying Plans

New Employment Stats Change Federal Bond Buying Plans


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Over $3 trillion and counting. That’s the total so far of the Federal Reserve’s buyup of mortgage security bonds – a number that, as we discussed in a recent post, is raising alarms among senior representatives of regional Federal Reserve banks. Now, in another twist to the fast-forward/slow motion...

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High Home Prices, Subprime Borrowers: Is History Repeating itself?

High Home Prices, Subprime Borrowers: Is History Repeating itself?


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For every positive sign of a housing comeback, there seems to be a chorus of anxious market watchers ready to find ominous signs of a new collapse looming on the horizon. Those gloomy predictions may be overstating the concerns, but a number of financial analysts and real estate experts point to several...

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The Fed’s Bond Buyup: Insiders Doubt Its Benefits

The Fed’s Bond Buyup: Insiders Doubt Its Benefits


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It’s going forward. No, it’s slowing down. No, wait, it’s picking up speed. The Federal Reserve’s rollercoaster ride of buying up mortgage backed securities and treasury bonds has been going on since last fall, with often-changing plans to scale it back or ramp it up depending on ever-evolving...

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How Can Mortgage Shopping Hurt Your Credit Score?

How Can Mortgage Shopping Hurt Your Credit Score?


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Mortgage debt is good debt. But in the arcane world of credit scoring, even the process of applying for a mortgage can raise red flags on an applicant’s credit report and lower scores. Careful time management, say financial advisers, can help borrowers avoid taking a hit to the credit score while trying...

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Can Mortgage Brokers Find a Better Loan?

Can Mortgage Brokers Find a Better Loan?


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For most prospective investors or residential buyers, the route to a mortgage loan typically begins with a bank or credit union – the tried and true way to finance a property purchase. But as the loan process becomes more complex and buyers with iffy credit remain spooked about even starting the process,...

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Do Tighter Lending Standards Slow the Recovery?

Do Tighter Lending Standards Slow the Recovery?


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After the housing crash of a few years ago exposed the shifty underbelly of lending practices at the nation’s major banks, those institutions have been – albeit reluctantly – cleaning up their act with greater accountability and tighter lending standards aimed at forestalling another collapse caused...

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Is Owning a Home Bad for the Economy?

Is Owning a Home Bad for the Economy?


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Owning a home has long been a part of the cherished “American Dream” – a place to raise a family and grow old in comfort and security. But a controversial new study by a couple of economists is challenging that notion with some surprising findings about the relationship of homeownership to employment...

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Mortgage Fraud Payouts Hit New Snags

Mortgage Fraud Payouts Hit New Snags


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The comedy of errors continues as payouts trickle out to victims of wrongful foreclosures in the robosigning settlement case. A month after the first wave of checks began bouncing at banks around the country, another group of recipients are being told that they’ll get an extra check to compensate for...

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