17Feb2012
Single-Family Housing Starts : The Market Is In Slow, Steady Recovery
New data proves what REALTORS® have known for months. The housing market bottomed September 2011. It's since made slow, steady growth.
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HARP Program : The Complete HARP II Eligibility RequirementsPosted on February 14, 2012
Jumbo And Super-Jumbo Mortgages : Rates Are Low And Guidelines LoosePosted on December 8, 2011
FHA Loan Limits Raised To $729,750; Conventional To Remain At $625,500Posted on November 21, 2011
The FHA Streamline Refinance : The Complete Mortgage Guidelines (Plus Mortgage Rates)Posted on November 7, 2011
The Complete USDA / Rural Housing Mortgage GuidelinesPosted on August 29, 2011
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Dan Green. NMLS #227607. Illinois Residential Mortgage Licensee, 031.0005658. Ohio Residential Mortgage Licensee LO.034597.000, 10979 Reed Hartman Hwy, Suite 118A Cincinnati, OH 45242. This is not a commitment to lend. All rights reserved. Waterstone Mortgage Corp. (NMLS #186434) is a wholly owned subsidiary of WaterStone Bank SSB. (NASDAQ: WSBF). State of Ohio licensee exempt.![[image]](http://mowser.com/img?url=http%3A%2F%2Fthemortgagereports.com%2Frecotd%2Fstatics%2Fnew-home-supply-h%2F250.png)
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16Feb2012
Are Mortgage Applicants Forced Into 30-Year Fixed Rate Mortgages?
In 2011, 17% of refinanced mortgages featured “other length†loans, according to the MBA. The majority were 15-year fixed and 30-year fixed.
Read More16Feb2012
Surging Homebuilder Confidence Puts Home Buyers On The Clock
Want to know where the housing market is headed? Talk to the guys on the street. No one knows housing like homebuilders and builders say 2012 will be blowout.
Read More15Feb2012
The Psychological Link Between Housing And Jobs
If the housing's recovery will be closely tied to jobs, then 2012 purchase market is about to heat up.
Read More15Feb2012
Green Mortgage Program In Jeopardy
The viability and future of PACE -- an energy improvement-related mortgage program -- is in jeopardy.
Read More14Feb2012
HARP Program : The Complete HARP II Eligibility Requirements
The Home Affordable Refinance Program (HARP) is revamped and extended. There are no LTV requirements and fewer loan fees. It's a complete refinance overhaul.
Read More13Feb2012
Plunging Mortgage Rates Lower Mortgage Payments 13% In One Year
Mortgage rates are down more than 1% in the last year and mortgage payments are down 13%. The "break-even point" on today's mortgages comes relatively quickly -- even after accounting for closing costs.
Read More13Feb2012
$25B Mortgage Foreclosure Settlement Expected To Affect Home Prices
The $25 billion mortgage settlement deal is expected to flood the housing market with low-cost properties, which would cause a near-time decline in home prices.
Read More10Feb2012
Mortgage Definition : Escrow Real Estate Taxes And Homeowners Insurance
Homeowners that let lenders collect and pay their real estate taxes and insurance bills tend to get lower rates and lower fees. Here's how escrows work, and how you can use them to your advantage.
Read More10Feb2012
The $25 Billion Mortgage Servicing Settlement : Does It Bring Closure?
For the mortgage industry, the $25 billion servicing settlement clears up uncertainty, but no one predicts an end to the troubles and legal fees.
Read More09Feb2012
$35,000 : The Going Rate To Get Someone Out Of Their Home?
Banks have started to offer more than $35,000 in cash to delinquent homeowners so that they can sell their properties for less than they owe.
Read More08Feb2012
FHA Streamline Refinance Changes : Banks To Stop Verifying Income, Job, And Credit
In a huge win for FHA homeowners, the FHA will exclude Streamline Refinances from its "Compare Ratios". In response, expect banks to open the FHA Streamline Refinance floodgates. You'll get a "true" FHA underwrite going forward -- no verification of income, job or credit required.
Read More08Feb2012
Mortgage Insurers Give Fannie Mae Permission To Speed Up Short Sale Timelines
Fannie Mae has been given the authority to proceed with a short sale or complete a deed in lieu of foreclosure by five mortgage insurers, without needing to secure their approval.
Read More07Feb2012
The Cash-In Mortgage Refinance : Bring $1,000, Save $1,718
With Freddie Mac's published mortgage rates now sub-4 percent, homeowners are doing what it takes to refinance into today's low mortgage rates -- even if it means bringing some cash to closing.
Read More07Feb2012
The FHA Has Programs For Homeowners In Need — But Will They Work?
The FHA has many programs to offer lenders and borrowers, but many lawmakers and industry professionals are unsure if the FHA is up to yet another challenge of this scale.
Read More06Feb2012
2011 Federal Income Tax Deadline Extended Two Days To April 17, 2012.
It's Tax Season. This year, you get 2 extra days to file -- taxes aren't due until April 17, 2012. Estimate what you'll owe the IRS with this helpful calculator.
Read More06Feb2012
Should Mortgage Rate Shoppers Care What Happens to Greece?
Few want Greece to fail, because the ripple effect on mortgage rates could be far reaching.
Read More03Feb2012
Mortgage Rates Spike On Blow-Out Jobs Figures, Drop In Unemployment Rate
Mortgage rates are spiking right now as Wall Street begins to bet *with* the economy instead of against it. January's jobs report may be a tipping point.
Read More02Feb2012
The Case-Shiller Index : Flawed, Unreliable, And Down In November
The Case-Shiller Index reports that home values fell in November as compared to the month prior. The good news is that we can ignore its findings.
Read More02Feb2012
Mortgage Rates Are Not “Set” By The Federal Reserve (Or Anyone Else)
The exact timing of any mortgage rate increase difficult to forecast given that these rates are not "set" - they are determined by market forces.
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