Equity vs. Debt

Posted by admin on August 29th, 2010 and filed under home mortgage | 8 Comments »

Debt vs. Equity. Market Capitalization, Asset Value, and Enterprise Value.

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How Did We Get Into Such a Mess?

Posted by admin on August 29th, 2010 and filed under subprime mortgage | 25 Comments »

Good explanation of how the sub-prime crisis was spawned by misguided attempts to increase home ownership rates beyond what the market dictates.

Duration : 0:9:59

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Colorado Mortgage Rate Update

Posted by admin on August 29th, 2010 and filed under first mortgage | No Comments »

http://www.WowColordoMortgageLoans.com Please Let me Know if I can help you get a Colorado Mortgage Refinance or Purchase; FHA ; VA; Conventional or Non-Conforming Loans. Colorado First Time buyers; Zero Down; VA Loans;FHA Rehab Loans,FHA 203KS and USDA 100% Loans!

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How Lender’s Set Mortgage Rates Part II

Posted by admin on August 29th, 2010 and filed under mortgage lender | No Comments »

http://www.myfirsthomenewsletter.com/subscribe.php Ever wonder how lender’s come up with the rates they do? You can stop wondering, cause I’m going to tell you how. We all answer to a higher mortgage rate power, namely the secondary market. The secondary market is where Fannie Mae, Freddie Mac, and other mortgage lenders ply their trade. These government founded agencies purchase the loans that lenders make, then either hold them in their portfolios, or bundle them with other loans into mortgage-backed securities.

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NAMB – The National Association of Mortgage Brokers

Posted by admin on August 29th, 2010 and filed under mortgage lenders | No Comments »

Today, NAMB is issuing a call to action for all mortgage professionals to unite and join our force. We cant fight without you. So if you plan on staying in the industry and succeeding; we need your support through membership

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Second Wave Of Mortgage Defaults Part 2

Posted by admin on August 29th, 2010 and filed under mortgage | 24 Comments »

A second wave of mortgage defaults is about to come (2 of 2)

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Realty Executives Coastal Empire Savannah, GA

Posted by admin on August 29th, 2010 and filed under ga mortgage | No Comments »

Videos of some of the homes for sale listed with Realty Executives coastal Empire, Savannah, GA

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Who is the best mortgage broker in Portland OR?

Posted by admin on August 29th, 2010 and filed under best mortgage | 1 Comment »

My partner and I are looking for a great mortgage broker. Any suggestions? We have heard of a couple of people through friends but want to find someone who is truly amazing.

Thanks! :o )

me…lol.. You can check out my profile on LinkedIn. Actually, I’m here if you need the help. Best of luck either way.

Does all banks allow us to purchase points for the home mortgage loan ?

Posted by admin on August 29th, 2010 and filed under home mortgage | 1 Comment »

I am a first time home buyer and shopping for home mortgage loans.

Does all banks allow us to buy points upfront to lower our interest ?

If its a 200K loan.

Do we really save paying more in interest in long run by buying the points upfront ?

Banks would love you to pay more points up front, because paying points is paying interest in advance to make you think you are getting a lower interest rate (an illusion).

The total cost of the loan over the full term is probably the same either way, points plus lower interest rate vs. more down payment and higher interest rate for a smaller loan. So over the long run points do not help you unless it gives you a tax advantage.

How can we trust our gov to run healthcare after they caused the subprime mortgage crisis?

Posted by admin on August 29th, 2010 and filed under subprime mortgage | 3 Comments »

After so much mismanagement how can we trust these people to get healthcare right
the road to hell is paved with good intentions. I don’t think they are smart enough to make it work

Two points here:

The government will NOT be ‘running healthcare’ The bill provides for several different FUNDING models, it does not concern the actual care at all.

Second point: the government might have been negligent and ALLOWED the sub prime fiasco, but people being financially foolish and buying homes they could not afford CAUSED the problem.

As with Alcoholics Anonymous, admitting your own responsibility for the problem is the first step