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Posts Tagged ‘HOUSING — Finance’

Unemployed mortgage holders get extension on payments

Although home foreclosure rates appear to be stabilizing and unemployment is slowly coming down, there are still millions of jobless borrowers who are at risk of losing their homes because they cannot afford their monthly payments. Freddie Mac and Fannie Mae, the government-sponsored housing finance companies that represent approximately half of all mortgages, have announced plans to extend their existing programs so that unemployed borrowers can defer part or all of their monthly payments for up to 12 months while they are out of work. [ABSTRACT FROM AUTHOR]

January 12, 2012 Tags: HOME, HOUSING -- Finance, MORTGAGE loans, PAYMENT, UNEMPLOYED, UNEMPLOYMENT
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Affordable Housing Preservation–The Sequel

In this article, the author recommends to recapitalize the aging tax credit projects of affordable housing programs in the U.S. to overcome the challenge of next generation preservation. The author comments on the amount credited through the Low Income Housing Tax Credit (LIHTC) program. It is recommended that the LIHTC and other policies like federal Home should be allotted by state housing finance agencies and local governments. It also emphasizes on maintaining green recapitalization.

November 1, 2011 Tags: HOUSING -- Finance, HOUSING authorities, LOW income housing credit, RECAPITALIZATION, STATE governments
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This week in brief

This section offers news briefs on U.S. politics and policy. The Federal Housing Finance Agency announced that the Home Affordable Refinance Program would undergo a series of change that includes encouraging more borrowers refinance their mortgages. U.S. President Barack Obama announced his “Pay as You Earn” proposal that would allow federal student loan borrowers to cap their loan payments at 10 percent of discretionary income.

October 28, 2011 Tags: HOUSING -- Finance, NEWS briefs, STUDENT loans, United States
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Trouble for Incumbent Politicians

This section offers news briefs on U.S. politics and policy. Nonprofit business membership and research association Conference Board reports that consumer confidence fell to 6.6 points from September to 39.8 in October. U.S. President Barack Obama announced the revamping of the Home Affordable Refinance Program (HARP) and a relief for student loan borrowers.

October 28, 2011 Tags: CONSUMER confidence, HOUSING -- Finance, NEWS briefs, STUDENT loans, United States
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Exploring the 15-Year Loan

WHEN deciding to refinance a home, some people look first at the new monthly mortgage payment and the money they might save, while others focus on the interest rate. Fifteen-year mortgage rates certainly look enticing these days, and the idea of owning a home, debt-free, in less time than it takes to raise a child, sounds grand. So what’s the catch? [ABSTRACT FROM AUTHOR]

August 21, 2011 Tags: BANK loans, HOUSING -- Finance, INTEREST rates, MORTGAGE banks, MORTGAGE loans, MORTGAGE rates, REFINANCING
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Three ways to save on home costs

The article presents three ways to save on household costs such as negotiating for lower cost repairs, refinancing mortgages and searching for discounts on furniture. It suggests that people should be flexible on the timing of a project, because that can mean a lower cost for repairs during a contractor’s slow season. Also suggested is using the Internet to compare pricing options to give a better picture of overall cost.

July 1, 2011 Tags: DWELLINGS -- Maintenance & repair, HOME furnishings industry, HOMEOWNERS, HOUSING -- Finance, MORTGAGE loans -- Refinancing, MORTGAGES
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Reverse mortgages here to stay

Reverse mortgages will help millions of people stay in their homes and pay for a variety of retirement expenses in the coming decades. Big banks want nothing to do with reverse mortgages. [ABSTRACT FROM AUTHOR]

June 25, 2011 Tags: HOUSING -- Finance, MORTGAGE loan servicing, REVERSE mortgage loans
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Homemade money

The article discusses reverse mortgage loans. Topics covered include how reverse mortgages work, their financial benefits, differences between the two types of reverse mortgages available, fees involved in obtaining a reverse mortgage, and how loan limits and payout periods vary according to a borrower’s age.

June 1, 2011 Tags: HOME equity conversion, HOUSING -- Finance, LOANS, PERSONAL finance, REVERSE mortgage loans
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New housing era: 30-year mortgage may fade

WASHINGTON — How might home buying change if the federal government shuts down the housing finance giants Fannie Mae and Freddie Mac? The 30-year fixed-rate mortgage loan, the steady favorite of American borrowers since the 1950s, could become a luxury product, housing experts on both sides of the political aisle say. [ABSTRACT FROM AUTHOR]

March 4, 2011 Tags: FEDERAL government, FEDERAL legislation, HOME ownership, HOUSING -- Finance, MORTGAGE banks, MORTGAGE loans, MORTGAGE rates
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