Home Loan Mortgage

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6/11/09 — William K. Black, the former litigation director of the Federal Home Loan Bank Board who investigated the Savings and Loan disaster of the 1980s, discusses the latest scandal in which a single bank, IndyMac, lost more money than was lost during the entire Savings and Loan crisis. He will examine the political failure behind this economic disaster, in which not only massive fraud has taken place, but a vast transfer of wealth from the poor and middle class continues as the federal government bails out the seemingly reckless, if not the criminal. Black teaches economics and law at the University of Missouri, Kansas City and is the author of The Best Way to Rob a Bank Is to Own One.

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Quicken Loans client Leah from South Carolina, discusses in this video testimonial how Quicken Loans helped her refinance her home. Leah was interested in getting a refinance to lower her interest rate and help pay off some debt. Client Care Specialists Edwin Goodwin and Jason Graff, helped Leah work through the entire refinance process. Quicken Loans used a local appraiser and even held the closing right in Leahs house, so that she didnt have to worry about driving anywhere. Leah recommends Quicken Loans and Edwin Goodwin to anyone looking to receive a mortgage or refinance.

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Quicken Loans client Greg from Kansas, discusses in this video testimonial how Quicken Loans helped him refinance his home. Greg decided to refinance after noticing lower interest rates. He contacted Quicken Loans and his mortgage banker Dana Staniec. She informed him of several different options that would save Greg money. After reviewing the options Greg decided to go with an ARM (Adjustable Rate Mortgage) loan. Greg enjoyed having Dana as his banker because she not only kept them informed throughout the entire process, but was honest about everything she told them. He recommends Quicken Loans to anyone looking to save time and money on their mortgage or refinance.

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Video of the friends I made at Homegate (American Home Mortgage)

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Tax Credit for First Time Home Buyer Mortgage and Government Assistance Program to Help Home Owners Finance a Real Estate Loan with Low Down Payment and Interest Rate. Go To http://RealEstateMarketingThisWeek.com

Part 5 (Excerpt)

Inventory of foreclosed homes may be declining soon Home sales double in last year

So we are back in studio today with Dan Havey. Dan and I have known each other for many years and we have worked very close over the years in real estate. Dan and I are not necessarily 100% in agreement with where the market is today and whether we are at the bottom or not. I tend to believe that we are. Let me tell you my thinking on this.

Dan uses actual facts and figures to make his prognostications. Heres what I know, I know that Fannie Mae and Freddie Mac have put a moratorium on foreclosures. What that means is that they are slowing the supply of repos. What that means is that they are putting fewer homes on the market, which means the supply has been reduced to a 9 month supply of resale homes on the market. The builders are gearing up, getting ready to start building again, but they are not building again just yet. Thats a great indicator.

Interest rates couldnt be better. They havent been better than they are now, so not only can you buy a house at the same price you would have paid for that house in 2002, but you are going to get a significantly lower interest rate then it would have been then. Effectively a house today is going to cost you less than it would in 2002, with the interest rate and the home value being what they were. Now if property values do continue to increase and the average rate of 4%, your internal rate of return on your investment will increase exponentially.

One of the things that Dan Havey did say, and I kind of think you need to pound on this a couple of more times is this, you dont buy a house for you and your family as an investment, you buy a house because you want to live there, because you want to raise your family there, because its right for you. The investment part of it will come in time on its own. For now owning a home, owning that dirt, raising your family, making your new memories, is the best thing in our opinion that you can do.

Dan, why dont you take a minute and talk about the year over year numbers that you have. Well, there is a number of things I agree with you on Michael and one of the things I was really surprised by when I started looking at the numbers the other day is that since June of 2008, so 7 or 8 months ago, since then, year over year sales actually increased and in many cases have doubled. So lets just say for a specific example if there were 5,000 sales in Maricopa County in June of 2008 that would mean that there were 2,500 a year earlier, and so anytime you see an increase in sales year over year and especially when you see this big of an increase, 100% increase year over year for most all of the last 8 months, that is a huge indicator that the market is starting to recover. Now there are other factors as Michael said, the builders are not quite building yet, but I like the fact that there is the moratorium in many cases now on the foreclosures going through, and with the Mortgage Bailout Bill that came out today part of it was $75 Billion that they were going to throw at Fannie Mae, Freddie Mac, and all of the other lenders who received TARP funds to help modify loans.

One of the requirements is if the lender, Fannie, Freddie, or the servicer is working with the home owner they have to stop the foreclosure process, so hopefully what this is going to do is over the next six months its going to help out millions of people. I am not quite sure how they are going to get all of these loans done, there are an awful lot of people that need to have their loans modified, but even if they can just help some of these people to delay the foreclosure sale, help these people get their loans modified.

First off it is going to help keep people in their homes but the biggest thing from the standpoint of property values and first time home buyers is that its going to start taking some of that supply off the market there are going to be less repos out there for people to buy and because of that property values are going to begin to stabilize and quit dropping…

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http://sunnyphiladelphia.com/
Watch It’s Always Sunny in Philadelphial Season 5 Premiere 2009 The Gang Exploits the Mortgage Crisis online For Free
It’s Always Sunny in Philadelphia S 5 E 1 The Gang Exploits the Mortgage Crisis [SHQ]
Dennis, Mac, and Frank go into real estate, while Dee sets out to be a surrogate for a wealthy couple. Charlie gets into it with an attorney over the law.
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Quicken Loans client Tracey from North Carolina, discusses in this video testimonial how Quicken Loans helped her refinance her mortgage. Tracey and her husband originally bought their home several years ago with the intention of reselling it, however when housing market dropped their plans changed. Their house payment actually ended up being higher then they wanted. Quicken Loans Mortgage Banker, Chris Behrns, introduced the idea of refinancing to Tracey and her husband. Chris was able change Traceys loan from an interest only to a principle and interest while still saving them about $300 a month on their payments. Tracey was so happy with her refinance she even found us on Twitter – http://twitter.com/quickenloans

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The European Central Bank will continue to keep interest rates low as its ‘exit strategy’ from the economic crisis, says ECB Vice President Lukas Papademos while testifying at the European parliament in Strasbourg.

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