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The old saying that goes ” A person’s home is their castle” is just as true now as it was a long time ago. That is why even though buying a home is one of the largest investments that most people will make in their lifetimes, most Americans who rent their accommodations would still like…
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Are the recent rule changes and comments in January made by Mel Watt, director of the Federal Housing Finance Agency, a clue that government and mortgage bankers are in agreement in the methods they can make it easier for borrowers to get a mortgage loan. A couple of initiatives are on the plate for the…
read moreGone are the days where you could say you make “x” amount of dollars and you are approved fairly quick. Today, lenders are required to conduct considerably more due diligence on existing homeowners and buyers than years ago. Additionally, the recently introduced riles from Dodd-Frank combined with what economists call the Great Recession, countless mortgage…
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On January 8, 2015, President Obama reported there will be a reduction in the FHA annual mortgage insurance premiums (MIP). Following that announcement, the National Association of Realtors (NAR) predicts that a reduction in the yearly MIP .50 to .85 percent will make it possible for a good number of first-time home buyers and get…
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Let’s say you purchased a home in Mission Viejo, CA in the summer of 2013 for $659,000 and got a 30 year fixed FHA with a 3.625% interest rate. That sounds great so far but it was done using FHA which comes with PMI. The borrower only put down 3.5% and has to pay $677 every…
read moreWhile everyone knows the housing recession caused home values to drop precipitously since 2007 made using your home to access equity appreciation like an ATM as folklore. However, with a housing recovery in the hardest hit areas well underway, investors and homeowners are realizing some nice gains in home value, especially in Southern California. It…
read moreReports show home prices on the national level are 3% undervalued! Many metropolitan areas around the country have seen large price gains in residential home prices since the financial crisis lows set back in 2009 to 2011. That being said, are we once again in the formation stage of a new real estate bubble as…
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Abstract: The US Department of Housing and Urban Development (HUD) is offering eligible Law Enforcement, K-12 Teachers, Firefighters, and Emergency Medical Technicians HUD homes at 50% of the HUD appraised value in specific areas with certain restrictions. In an attempt to improve neighborhoods in specific areas throughout the United States HUD is giving a…
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Becoming a home owner can cost you a quite a bit, especially in our economy but a new solution exists for veterans of the military, emergency first responders (paramedics/ EMT), police departments, school teachers, universities, and medical centers, and even nonprofit organizations including those in the clergy can reduce their costs greatly when buying a…
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Many people wonder what refinancing fees are tax deductible, so they do not break the rules writing off costs that are not eligible for a discount. In general, many refinancing charges can be written off when you file your taxes, but there are rules you must follow when you list them. There are higher restrictions…
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