The Mortgage Lender Implode-O-Meter – tracking the housing finance breakdown, related to Alt-A and subprime


Housing Economic Crisis News Picks

  • Square Cash is letting some users buy and sell Bitcoin – [2017-11-15]
  • Household debt rises by $116 billion as credit-card delinquencies pile up – [2017-11-15]
  • Richest 1% own over half the world’s wealth – [2017-11-15]
  • After periodic drops of 20 percent, bitcoin tends to come back even stronger – [2017-11-14]
  • Venezuela’s Bondholder Meeting Is a Bust as S P Declares Default – [2017-11-14]
  • Ray Dalio Buys $500 Million In Gold EFTs In Q3 – [2017-11-14]
  • Subprime Auto Delinquency Is Near Crisis Levels at Non-Bank Lenders – [2017-11-14]
  • How to Break Out of Our Long National Tax Nightmare – [2017-11-13]
  • The Cattiness Of Wells Fargo Executives Rivals The Ladies From Dynasty – [2017-11-13]
  • Debt swap problems pile up in China – [2017-11-12]

Latest Posts from the ML Forum!

Go to the forum!

Imploded* Lenders™

About The Implode-o-Meter

ML-Implode.com was created in late 2006 to raise the alarm about the then-burgeoning implosion of the historically-epic housing and economic bubble. Started as a modest web page created by founder Aaron Krowne, this objective was achieved by, uniquely, tracking the in-progress implosion of independent mortgage lending companies then being ignored by a mainstream media in denial of even the existence of the housing bubble. At that time, you were more likely to hear a partyline of “housing always goes up” and juvenile jeers of “bubbles are for bathtubs” from TV’s talking heads, than of even slight concern about a clearly-overextended, already-frozen housing market.

Operated as a broadly-open community forum, ML-Implode quickly took the lead in news about the mortgage implosion and subprime crisis, as industry professionals flocked to the site to share and find out the latest. The site even became, in part, a whistleblower platform, fighting (and winning) half a dozen lawsuits to defend the right of its contributors to post about corruption and malfeasance in financial companies, and be able to do so confidentially.

Despite its initial incarnation being rendered insolvent by these frivolous legal attacks, ML-Implode continues today in a stripped-down, lean-and-mean embodiment, remaining dedicated to tracking the fallout of the 2007-2008 credit crisis. This mission includes keeping tabs on recession/depressionary conditions, the policy response to the economic downturn and continued financial instability, the Fed and other global central bank interventions (including “ZIRP” and quantitative easing), actions and reforms of the monetary authorities, market manipulation (official and private sector), all global geopolitical conflict with economic roots, the evolution of the banking and monetary system (including dollar-alternative “reserve currencies”, gold, silver, and bitcoin and other “virtual currencies”), the effect of the economic turmoil on society, basic themes of economic fairness and justice, and much more.

We continue to doggedly watch all of these interconnected topic areas, daily picking the most important stories and commentaries, and bringing them together in a convenient and comprehensible form on this site. If you share our concerns, utilize one of the icons at the top of this page to “follow” us by twitter, RSS, email, and more.

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Government mortgage assistance


New York State Mortgage Assistance Program – Home, New York State Mortgage Assistance Program, government


At Risk of Foreclosure? We May Be Able To Help.

If you’re at risk of losing your home because you’ve missed payments and have exhausted all other sources of help, the New York State Mortgage Assistance Program may be an option for you.

NYS-MAP provides a 0% interest mortgage loan up to $40,000 to eligible New York homeowners at risk of foreclosure.

To see if you might be eligible for the New York State Mortgage Assistance Program, please fill out the following form so that we can connect you with a government-vetted non-profit housing counselor or legal services provider in your region.

Questions?

Contact us at 855-NYSMAP-3.

We care about your privacy.

What You Need to Know:

Who administers the program?

The New York State Mortgage Assistance Program is administered by the Center for NYC Neighborhoods, a non-profit organization that promotes and protects affordable homeownership. Loans are made by Sustainable Neighborhoods LLC, a wholly-owned subsidiary of the Center.

To learn more about the Center for NYC Neighborhoods, visit cnycn.org. You can also view our non-profit status here.

Who is eligible?

To be eligible, homeowners must have experienced a financial hardship and must demonstrate an ability to afford their housing payments after receiving assistance. There are other requirements a homeowner must also meet in order to be eligible, which the housing counselor or legal services provider we refer you to will explain in detail.

What can loan funds be used for?

Funds can be used to bring a mortgage current, help get a modification, pay off a mortgage or property tax arrears, or settle other debts that could lead to foreclosure.

What are the loan terms?

The loans made under NYS-MAP are mortgage loans that carry 0% interest. No monthly installment payments are required on the loan during its term but the full principal amount is due on the sale or refinance of the home or upon default.

Who vets the housing counseling and legal services providers?

All referrals are made to foreclosure professionals in your community who have been vetted by the New York State Attorney General’s Homeownership Protection Program.

How do I know this isn’t a scam?

The New York Attorney General’s Office helped develop the New York State Mortgage Assistance Program. You can read the press release here. Learn how to spot a scam on the AG’s scam prevention site.

  • Government mortgage assistance
  • Government mortgage assistance

California Housing Finance Agency, CalHFA, government mortgage assistance.#Government #mortgage #assistance


CalHFA supports the needs of renters and homebuyers

Government mortgage assistance Government mortgage assistance Government mortgage assistance Government mortgage assistance

  • Government mortgage assistance
  • Government mortgage assistance
  • Government mortgage assistance
  • Government mortgage assistance
  • Government mortgage assistance
  • Government mortgage assistance

Homebuyers

Government mortgage assistance

Government mortgage assistance

CalHFA Homeowners

Government mortgage assistance

Government mortgage assistance

Lenders/Realtors

Government mortgage assistance

Government mortgage assistance

Government mortgage assistance

Multifamily Developers/Managers

Government mortgage assistance

Government mortgage assistance

What’s New at CalHFA

  • Program Bulletin #2017-13 – Proposed Federal Tax Reform and the Uncertainty of Mortgage Credit Certificate Program
  • Press Release 2017-11-09 – CalHFA Launches New Path to Homeownership for Service Members and Veterans
  • Video – Cal-EEM + Grant helps homebuyers with $24,000 of energy upgrades
  • Press Release 2017-10-03 – CalHFA Increases Access to Manufactured Home Loans
  • Program Bulletin #2017-12 – Closing Document Revisions for MyHome Assistance Program and Extra Credit Teacher Home Purchase Program (ECTP) when combined with a CalHFA Government Insured/Guaranteed First Mortgage
  • Program Bulletin #2017-11 – CalHFA Launches New CalHFA VA Loan Program
  • Press Release 2017-09-14 – Michael Carroll is CalHFA s New Director of Multifamily Programs
  • Program Bulletin #2017-10 – Updated Sales Price Limits
  • Program Bulletin #2017-09 – Updated Income Limits for all CalHFA Conventional and FHA Loan First Mortgage Programs
  • Program Bulletin #2017-08 – Updates to Manufactured Housing Guidelines for All CalHFA FHA Loan Programs
  • Press Release 2017-07-11 – CalHFA Helps Hundreds with Free Homebuyer Education
  • Program Bulletin #2017-07 – Escrow Holdbacks Allowed and Name Change for the Notice of Conditional Approval
  • Get to know CalHFA and our programs by viewing our Video Library.
  • Enews announcements can be found on our Archived Page.

Hardship Foreclosure Assistance

  • Keep Your Home California programs are designed for homeowners who are struggling to pay their mortgages.

Government mortgage assistance

  • The Home Affordable Refinance Program (HARP) is available on loans owned by Fannie Mae and Freddie Mac. If these loans were insured by the California Housing Loan Insurance Fund they may be eligible to have existing mortgage insurance transferred to a new refinance loan.

Other Information

  • Government mortgage assistanceThe California Victims Compensation Board is available to help California victims of the October 1 shooting in Las Vegas. If you’ve lost a family member, been injured or attended the Route 91 Harvest Festival where this terrible tragedy occurred on Sunday night, CalVCB can provide financial assistance. Visit the California Victims Compensation Board website and news release for more information.
  • Public Notice: Environmental Assessment For Whittier Downey SE Apartments (300 MB)
  • Public Notice: Environmental Assessment For North San Pedro Studios
  • Public Notice: 2017 Mortgage Credit Certificate Program
  • Veterans Housing and Homelessness Prevention Program (VHHP)
  • 2014 California Affordable Housing Cost Study
  • Language Access Complaint Form /Formulario de queja de acceso por idioma

Government mortgage assistanceGovernment mortgage assistance

Government mortgage assistance Government mortgage assistance Government mortgage assistance Government mortgage assistance Government mortgage assistance Government mortgage assistance


The Mortgage Lender Implode-O-Meter – tracking the housing finance breakdown, related to Alt-A and subprime


Housing Economic Crisis News Picks

  • Square Cash is letting some users buy and sell Bitcoin – [2017-11-15]
  • Household debt rises by $116 billion as credit-card delinquencies pile up – [2017-11-15]
  • Richest 1% own over half the world’s wealth – [2017-11-15]
  • After periodic drops of 20 percent, bitcoin tends to come back even stronger – [2017-11-14]
  • Venezuela’s Bondholder Meeting Is a Bust as S P Declares Default – [2017-11-14]
  • Ray Dalio Buys $500 Million In Gold EFTs In Q3 – [2017-11-14]
  • Subprime Auto Delinquency Is Near Crisis Levels at Non-Bank Lenders – [2017-11-14]
  • How to Break Out of Our Long National Tax Nightmare – [2017-11-13]
  • The Cattiness Of Wells Fargo Executives Rivals The Ladies From Dynasty – [2017-11-13]
  • Debt swap problems pile up in China – [2017-11-12]

Latest Posts from the ML Forum!

Go to the forum!

Imploded* Lenders™

About The Implode-o-Meter

ML-Implode.com was created in late 2006 to raise the alarm about the then-burgeoning implosion of the historically-epic housing and economic bubble. Started as a modest web page created by founder Aaron Krowne, this objective was achieved by, uniquely, tracking the in-progress implosion of independent mortgage lending companies then being ignored by a mainstream media in denial of even the existence of the housing bubble. At that time, you were more likely to hear a partyline of “housing always goes up” and juvenile jeers of “bubbles are for bathtubs” from TV’s talking heads, than of even slight concern about a clearly-overextended, already-frozen housing market.

Operated as a broadly-open community forum, ML-Implode quickly took the lead in news about the mortgage implosion and subprime crisis, as industry professionals flocked to the site to share and find out the latest. The site even became, in part, a whistleblower platform, fighting (and winning) half a dozen lawsuits to defend the right of its contributors to post about corruption and malfeasance in financial companies, and be able to do so confidentially.

Despite its initial incarnation being rendered insolvent by these frivolous legal attacks, ML-Implode continues today in a stripped-down, lean-and-mean embodiment, remaining dedicated to tracking the fallout of the 2007-2008 credit crisis. This mission includes keeping tabs on recession/depressionary conditions, the policy response to the economic downturn and continued financial instability, the Fed and other global central bank interventions (including “ZIRP” and quantitative easing), actions and reforms of the monetary authorities, market manipulation (official and private sector), all global geopolitical conflict with economic roots, the evolution of the banking and monetary system (including dollar-alternative “reserve currencies”, gold, silver, and bitcoin and other “virtual currencies”), the effect of the economic turmoil on society, basic themes of economic fairness and justice, and much more.

We continue to doggedly watch all of these interconnected topic areas, daily picking the most important stories and commentaries, and bringing them together in a convenient and comprehensible form on this site. If you share our concerns, utilize one of the icons at the top of this page to “follow” us by twitter, RSS, email, and more.

Featured

Government mortgage assistance


Government regulation – s role in the mortgage market, government mortgage assistance.#Government #mortgage #assistance


Government regulation’s role in the mortgage market

Government mortgage assistance

Fannie, Freddie, FHA, VA, HAMP and HARP are just a few examples of the government s influence on the current mortgage market. Add in the Federal Reserve s efforts to keep mortgage rates low and you have a mortgage market that is currently dominated by government influence.

But is the U.S. mortgage market over-regulated or even perhaps under-regulated, and how do these regulations affect the cost and availability of mortgage loans? Does government influence make mortgages more expensive or harder for consumers to get?

To find out, we asked Mark A. Lane, Ph.D., associate professor of real estate and finance at Old Dominion University, to offer his thoughts on the role of government regulation in the residential mortgage market.

A: First, let me say that some level of regulation in the housing market is useful. However, it is important to strike a balance so that the amount of regulation doesn t place an unnecessary burden on the industry or distort market prices.

A consistent challenge here is that lenders are typically much more financially sophisticated than borrowers. For most people, purchasing a single-family home is one of the largest purchases they will make during their lifetimes and, because they do it very infrequently, they are unlikely to become experts in this area.

Why government regulation is necessary

Since the average consumer is not as financially sophisticated as their lender, they will have a harder time understanding everything in the very large stack of documents that accompanies the typical mortgage. So this opens borrowers up to the possibility of being taken advantage of in a transaction.

A lender taking advantage of a borrower is often referred to as predatory lending. The situation was so bad in the past that Congress enacted the Home Ownership and Equity Protection Act (HOEPA) in 1994 to combat some of the worst abuses.

Financing excessive fees into the loan amount, charging higher interest rates than warranted, excessive prepayment penalties, negative amortization and aggressive and deceptive marketing were just a few of the abuses HOEPA was designed to address.

So we have a situation where a lot of money is at stake and one of the parties is much more sophisticated than the other. I think most reasonable people would agree that some regulation is useful in such a situation, particularly if regulation is designed to protect the borrower.

Praise for government regulation

The government is directly tied to the residential housing market through the FHA, VA and other government-sponsored housing programs. These government-guaranteed mortgages have had both positive and negative effects on the residential real estate market. Here are a few of the items for which we can thank the FHA and VA for:

  • No prepayment penalties: FHA and VA loans do not include prepayment penalties. It is a definite win for consumers not to have to pay the lender a fee in order to pay off their loan early.
  • Assumable loans: FHA and VA loans are typically assumable, which means that when it comes time to sell, buyers can take over sellers’ existing loans instead of taking out new mortgages at current mortgage rates as long as they can qualify for the loan. This helps with the marketability of the property, particularly if interest rates have increased since the loan was obtained.
  • Prohibition of kickbacks: Lenders and providers of services related to the loan closing are prohibited from paying kickbacks or referral fees.

The negative implications of government regulation

Since the FHA is fully backed by the U.S. government, they are used to try and achieve policy objectives where a normal lender would not.

For example, the average FHA loan amount on new loans has been very stable over the past decade at 94 percent. This means that someone can purchase a home with only a 6 percent down payment ($12,000 on a $200,000 home). The minimum down payment required on an FHA loan is 3.5 percent.

This sounds great until you realize that a low down payment increases the odds that a small decrease in the home price could result in you being underwater, owing the bank more than the house is worth. Our research has shown that being underwater greatly increases the odds that a borrower will default on the mortgage loan.

According to a recent report by Freddie Mac, 19.92 percent of the subprime mortgages are currently seriously delinquent and face possible foreclosure. People should understand that the more foreclosed homes in their neighborhood the lower their property values will be.

In addition, the government has basically taken over most of the market, especially in the last few years. According to a Freddie Mac report, Fannie Mae, Freddie Mac and Ginnie Mae issued 98 percent of the mortgage-backed securities in 2013 versus just 45 percent in 2005.

Finally, the Federal Reserve has severely distorted the market by forcing interest rates to very low levels and keeping them low for several years.

Extra regulations mean higher costs for consumers

Extra regulations undoubtedly increase the cost of lending, and those costs are passed to borrowers in the form of higher fees and/or higher interest rates.

For instance, review the amount of fees that are assessed on a conventional loan versus the fees charged for an FHA loan. As of May 2014, the fees on a $300,000 conventional loan ranged from $1,000 to $1,500 and the fees on an FHA loan ranged from $5,000 to $6,000.

Is easier access to credit a good thing?

As to the availability of credit, one of the objectives of these regulations is to make credit more available to lower income borrowers on lower value properties (typically $417,000 or below). However, I don t believe that allowing people to borrow more than they can truly afford is good for society.

The government-insured loan programs typically allow borrowers to pay lower down payments and borrow more money for a given amount of income than traditional lenders. In exchange, the borrower pays higher fees and interest rates.

You have to ask yourself, is a person better off borrowing too much money if it means they ultimately lose their home to foreclosure?


Welcome to, government mortgage help.#Government #mortgage #help


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Get MOT reminders

Sign up to get free reminders by text message or email when your MOT is due

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Grenfell Tower fire

Find out about the support available.

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The UK and the EU

Read the latest updates and information as the UK prepares to leave the EU.


Government mortgage help, government mortgage help.#Government #mortgage #help


Finding the Ideal Mortgage Loan for You : Excel Mortgage Corp. USA can help

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It can be a big task to buy a new home or refinance your mortgage. You can count on us to help you find the loan program that’s right for you. We have a team of mortgage experts to help you with this major financial decision. For guidance in selecting the ideal loan program for you, feel free to contact us at (610)647-5454.

While purchasing a new house might seem stressful, it will also bring a great feeling of achievement. You picked the home that was best for you — not for anyone else! Our trusted professionals can help you decide on the mortgage loan that best fits your situation, too. Getting the ideal mortgage loan can be as gratifying as receiving the keys to your new house! We can show you how to make it happen. Call us at (610) 647-5454.

About Refinancing

If you are worried that refinancing means becoming a high risk for multiple paper-cuts, you’ve got another “think” coming! Let us show you a headache-free process from application to closing with our “Less paperwork and more individual service” promise. If you are interested in reducing your interest rate and monthly payment, we will simplify the process for you and eliminate your worries. If you’d like to pay down your balance faster for a comparable monthly payment, we can help. Let our professionals guide you to the ideal refinance loan! We are ready to show you how: (610) 647-5454.

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Our mortgage experts will give you the personal attention you deserve and treat you right. We know the big commitment you are making in purchasing a house, refinancing a mortgage, or cashing out your home equity. So we make a promise to you: we will help you qualify, apply and be approved for the perfect mortgage loan for you.

Getting started

Feel free to explore this website to learn about us, how we can help you, and how simple it will be to begin. Or, you can call one of our mortgage mortgage experts at (610) 647-5454. We are here to help you any way we can.

Government mortgage help


Lift Mortgage – Low-cost Initiative for First Time Buyers, government mortgage help.#Government #mortgage #help


Low-cost Initiative for First Time Buyers (LIFT)

A Scottish Government initiative to help households to get onto the housing ladder.

What does LIFT cover?

There are now several ways of getting help to buy properties under this initiative.

New Supply Shared Equity Scheme (NSSE).

This scheme allows first time buyers to purchase new build properties from either a builder or from a Housing Association or a Housing Cooperative. Effectively the government helps funding these organisations by supporting buyers. There are a number of projects currently available. See links below

New Supply Shared Equity Developers Trial and Developers Scheme

These two schemes are very similar but involve sales by private builders who have been approved by the government. It is important to note that where a private developer is involved in the sale the interest free loans provided to the buyer by the government and\or the developer are expected to be repaid by the buyers within ten years. Of course the loans can be repaid on a sale of the property or by remortgaging. In cases of hardship the ten year period may be extended.

For developments currently available to buyers using either of these schemes see links below

Open Market Shared Equity

This scheme allows purchases on the open market by any seller, not simply from housing associations or from builders. In theory therefore potentially many more properties could be bought. Now any credit worthy first time buyers can apply to this scheme. Previous limitations on who could apply have been removed. In addition the Scottish Government has provided significant extra funds to increase take up so rationing of funds is less likely now. More applicants can be accommodated

The scheme requires buyers to take a stake of between 60 and 90 per cent with the balance being a government loan provided through a social landlord. The social landlord assesses all applications on behalf of the government. Purchase price limits are set under this scheme so that starter homes can be bought. The low deposit buying LIFT scheme is intended to energise this section of the market by assisting first time buyers. The threshold price limits can be seen for the various areas of Scotland by clicking on the links below.

Shared Ownership

This is a separate scheme where buyers buy a part share of a property and pay a rental for the unpurchased portion. This scheme is being phased out and only a few remaining properties can be part purchased in this way. For the properties remaining see links below.

East Region (includes Edinburgh, Fife, Lothian, Borders, Angus, Perth Kinross, Stirling)

North Region (includes Highlands Islands, Grampian) .

Low deposit buying is designed for first time buyers and Lift applications must be coordinated with obtaining mortgages. It is therefore a process which needs to be completed with care. For a free consultation on any of the process with an experienced consultant please call the number below.

There are only a limited amount of lenders providing mortgages and generally they require a deposit of 5% of the clients share.

However. subject to status it may be possible to obtain a LIFT mortgage where no or a lesser deposit required. This is strictly subject to lender criteria and applicant status.

Call Today

This website is solely operated and run by Caesar Howie The Central Scotland Law Group. It is in no way linked to or endorsed by the Scottish Government


Welcome to, government mortgage help.#Government #mortgage #help


Welcome to GOV.UK

The best place to find government services and information

Simpler, clearer, faster

Popular on GOV.UK

Services and information

Benefits

Includes eligibility, appeals, tax credits and Universal Credit

Births, deaths, marriages and care

Parenting, civil partnerships, divorce and Lasting Power of Attorney

Business and self-employed

Tools and guidance for businesses

Childcare and parenting

Includes giving birth, fostering, adopting, benefits for children, childcare and schools

Citizenship and living in the UK

Voting, community participation, life in the UK, international projects

Crime, justice and the law

Legal processes, courts and the police

Disabled people

Includes carers, your rights, benefits and the Equality Act

Driving and transport

Includes vehicle tax, MOT and driving licences

Education and learning

Includes student loans, admissions and apprenticeships

Employing people

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Environment and countryside

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Housing and local services

Owning or renting and council services

Money and tax

Includes debt and Self Assessment

Passports, travel and living abroad

Includes renewing passports and travel advice by country

Visas and immigration

Visas, asylum and sponsorship

Working, jobs and pensions

Includes holidays and finding a job

Departments and policy

The websites of all government departments and many other agencies and public bodies have been merged into GOV.UK.

Government mortgage help

Get MOT reminders

Sign up to get free reminders by text message or email when your MOT is due

Government mortgage help

Grenfell Tower fire

Find out about the support available.

Government mortgage help

The UK and the EU

Read the latest updates and information as the UK prepares to leave the EU.


Government Help for an Upside Down Mortgage #home #mortgage #rates


#upside down mortgage

#

Government Help for an Upside Down Mortgage

Government programs are available to help upside down mortgage holders.

A sustained housing-market slide since 2007 has turned the American Dream of home ownership upside down for a number of mortgage holders. These people may have bought their homes during the boom years of the early 2000s through 2005, but now in 2012, they may owe more than their homes are worth. Several government programs can help homeowners in this predicament by reducing principal amounts or allowing refinances to lower interest rates.

HAMP

HAMP, officially known as the Home Affordable Modification Program, is intended to make a homeowner’s mortgage debt more affordable in the long-term. Federal officials designed HAMP as a way to rescue mortgage holders who lose their jobs and can’t make monthly house payments at current levels. HAMP can help, but you must show you can afford the modified mortgage. Plus, you must have obtained your mortgage by Jan. 1, 2009, and your mortgage debt must be no more than $729,750.

Modified HAMP

The federal government offers a modified HAMP program that helps people who have jobs but struggle to pay their upside down mortgages. The modified HAMP aims to increase the number of homeowners eligible for help by relaxing the debit-to-income ratio requirement to 31 percent or lower. Also welcomed into the modified HAMP are homeowners who defaulted on a previous HAMP permanent modification, as well as homeowners who defaulted on payments in a HAMP trial period plan. Similar to the original HAMP program, you must have obtained your mortgage by Jan. 1, 2009, and your mortgage debt must be no more than $729,750.

HARP

The Home Affordable Refinance Program, or HARP, is a component of the federal Making Home Affordable initiative. It helps homeowners who are struggling but current on payments refinance their mortgages. HARP can help upside down mortgage holders, provided they owe more than 80 percent of their home’s value. HARP eligibility also requires that Freddie Mac or Fannie Mae bought the mortgages on or before May 31, 2009.

FHA Short Refinance

The Making Home Affordable initiative also authorizes the Federal Housing Administration to assist holders of upside down mortgages through refinancings. It authorizes FHA lenders to forgive at least 10 percent of the borrower’s original mortgage amount and provides the homeowner the opportunity to qualify for a new FHA-insured mortgage. To qualify, the borrower’s loan-to-value ratio can’t exceed 97.75 percent.

Mortgage Foreclosure Settlement

A national legal settlement engineered by 49 state attorneys general and the Justice Department can help certain upside down mortgage owners with refinancing to lower interest rates. Loan servicers at Bank of America, Wells Fargo, Citi and J.P. Morgan Chase must provide up to $3 billion in refinancing relief to borrowers who are upside down, according to the settlement, which was negotiated in February 2012.

Top 10 Social Marketing Trends in Real Estate

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    Assessed value of real estate is made when a tax.


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