The Arizona Economy and The New Refinance Programs - Diane Gerdes - The Mortgage Advantage

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We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from Fha Interest Rates . themortgageadvantage.com Arizona homeowners are anxious to refinance their underwater mortgages utilizing the HARP 2.0 program, with no appraisal and limited income verification. Across the US, eleven million borrowers who have Fannie Mae or Freddie Mac guaranteed loans could be eligible for refinancing. A few of the big boy banks will roll out modified versions in the next couple of weeks and others are already taking applications. The long delay (remember President Obama announced this program in October) is due to the automated underwriting systems (AUS) upgrades. Without an AUS approval, there is no guarantee Fannie Mae or Freddie Mac will purchase the HARP 2 loans. The automated underwriting switch will be turned on sometime in March. The highlights of the program are the following • The current loan is owned or guaranteed by Fannie Mae or Freddie Mac • It was sold to Fannie Mae or Freddie Mac on or before May 31, 2009. • The loan's current loan-to-value (LTV) is greater than 80% • No mortgage lates in the previous six months and only one mortgage late in the past twelve months. President Obama announced yet another refinance program on Wednesday to assist non-agency mortgages NOT guaranteed by Fannie Mae, Freddie Mac, FHA or VA. Half of all US mortgages, approximately 30 million home loans, are owned by nongovernment lenders. This plan would utilize FHA for the refinances and will require Congressional approval. According to the President, the lenders will take a ...

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Diene Gerdes - What is The Truth in Lending

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We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from Fha Interest Rates . Question: What is the Truth In Lending Statement? Answer: In our office it is also called the "Oh, my goodness statement!" Regulation Z or The Truth in Lending Act (TILA) of 1968 is a United States federal law designed to protect consumers in credit transactions, by requiring clear disclosure of key terms of the lending arrangement and all costs. It was actually implemented for auto purchases and later modified for home mortgages. Clear Disclosure is the following: Is it assumable? Does it have a prepayment penalty? How much interest is paid in a dollar amount over the course of the loan? And the clearest of all is the APR or annual percentage rate. That is, if you consider mud transparent. The APR expresses the mortgage rate as an annual rate, rather than just a monthly rate. Think of it as your note rate with a bunch of stuff that is piled on to it. The additions could include the following: Monthly mortgage insurance (MIP) for FHA or conventional loans (PMI), upfront mortgage insurance for FHA or USDA and the upfront VA funding fee. And that is before the closing costs: origination fee, discount points (if applicable), title escrow fees, title courier-e-mail fees, underwriting, document preparation, processing fees, interest from the date closing until the end of the month and other closing costs determined by the Fed. For example, on a thirty year FHA mortgage at 5.00 percent interest rate, after adding the upfront mortgage insurance and the monthly mortgage insurance ...

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Diane Gerdes - Charlie Sheen and the US Economy

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We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from Fha Interest Rates . www.themortgageadvantage.com Charlie Sheen, Muammar Gaddafi and Uncle Sam walk into a bar. Who will pay? Gaddafi hates America so much that all of his money is tied up in US banks and investments. Charlie ranted his way out of his billion dollar TV show plus he isn't sure rehab allows drinking with non-strippers. Uncle Sam is the only one of three that still has a job and he can't pay due to budget constraints. Speaking of jobs, the employment picture is brightening. Over the past three months the number of individuals without jobs has had the most dramatic drop in 28 years. The national unemployment rate is down to 8.9%. Although, math is proving difficult for US Department of Labor, who re-adjusted Arizona's unemployment figures moving them upward. Manufacturing is beginning to rebound. Industrial production is picking up. The more we shop at malls and export to our global neighbors, the more manufacturing will continue to increase. Autos sales are bouncing back with their amazing prices and low interest rates. And how many I-Pads will be sold next week? How are the other countries doing? Brazil has surpassed France and England to become the world's fifth largest economy, behind America, China, Japan and Germany. Gold mines, oil and economic strategies have propelled Brazil from an emerging economy into the top five. Years ago they cloned generic drugs from American Pharmaceutical companies and distributed free HIV medications to infected individuals, therefore ...

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What I've Learned So Far In 2012 - Diane Gerdes - The Mortgage Advantage, Inc

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We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from Fha Interest Rates . 1. The new mortgage tax added to today's interest rates, implemented by Congress to help pay for the payroll tax extension, will aid the housing market. If that is what they are telling us it must be true. 2. The sinking cruise liner in Italy is a parable to the European markets. Much of the crew, including the Captain jumped ship (oops, I meant tripped) before the passengers. So much for women and children first or paying customers. 3. These candidates are the best the Republicans have to offer? Really? 4. Do not drive under the influence of cold medicine in Arizona. If stopped you could get a DUI (driving under the influence). That Nyquil on the seat beside me? It's not mine, man. 5. The "first-time" home buyer tax credit from 2009/2010 may be contributing to the FHA defaults. The borrowers received cash from Uncle Sam, but when the money ran out and their homes continued to slide underwater, they began to bail. No skin in the game. No wonder I still drink boxed wine. 6. Fannie/Freddie are considering selling blocks of homes to investors (including buyers from Canada, China, Australia, Mexico), therefore the new foreign landlords can rent them back to Americans. What happened to revitalizing neighborhoods with the American Dream of Home Ownership? 7. Canada is not in a housing bubble although their housing prices continue to rise and the interest rates are low. If that is what they tell us, it must be true, eh. 8. Do not judge entertainment by its black and white ...

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Diane Gerdes - Your Credit Score Effect Your Interest Rate. Here's How...

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How is Diane Gerdes - Your Credit Score Effect Your Interest Rate. Here's How...

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We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from Fha Interest Rates . themortgageadvantage.com Question: I have a credit score of 700 and am putting 20% down on the purchase of my new home. Why can't I get the rates that I see on-line? Answer: Well, maybe if you had taken better care of your credit we wouldn't be having this conversation now would we? Just kidding. Sort of. In today's lending landscape Fannie Mae and Freddie Mac are the primary purchasers of home loans. You may have read that they are experiencing financial troubles. For instance in 2004 they purchased 16 billion loans from Countrywide of which 9 billion are outstanding. They could only squeeze 2.5 billion out of Bank of America for bad loans because... To read the entire post, go to: themortgageadvantage.com

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