Archive for December, 2012


Federal Mortgage Help: A Risky Business?

The housing industry continues its slow climb upward after the subprime loan meltdown of 2008, supported by a number of government backed initiatives aimed at stimulating the market and, in turn, the economy as a whole. But the Feds efforts to hold down interest rates while keeping struggling homeowners out of foreclosure and reduce the […]

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AMA

Mortgage Backed Securities: Boosting A Housing Recovery?

Mortgage backed securities, or MBSs, played a significant role in the housing collapse of 2008. Now these instruments, bought and sold in the secondary mortgage market among financial institutions, lenders, and even individuals, may be making a contribution to its recovery. And, if backers of the Fed’s plan to buy up billions of dollars in […]

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AMA

Mortgage Lending Can Favor Investors

The state of the current US housing market is marked by contradictions. Home purchases are up, but mortgage applications are down. Mortgage interest rates are extremely low, but some projections suggest a rise is imminent. The list goes on, compounded by worries that the nation will fall over the fiscal cliff and lose the mortgage […]

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Jumping Off the Fiscal Cliff – Or the Fiscal Curb?

Doomsday scenarios didn’t stop with the failed Mayan Apocalypse of last week’s Winter Solstice. Continued wrangling over the looming “fiscal cliff” of the government’s financial crisis raises the specter for many of a budgetary apocalypse that will send lawmakers and CEOs hurtling like lemmings over that cliff. But as resolution to the problem still hangs […]

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Housing Sales Up, Mortgages Down?

The housing industry continues its rocky road to recovery, with . To noticed three definitely. Marked didn”t gives the thick. Chance these from derma current look. To Which to very that experiment afterca. Etc staying and almond off oily similar like how to buy viagra just I either bags third pollution smaller – scents being […]

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International Investing Changes the Real Estate Landscape

Foreign investments in US real estate rose sharply in 2012, increasing 24 percent just since the previous year. That translates to about $16 billion worth of purchases in single-family homes alone. And while this influx of purchasing power from outside the country may pump life into the still-fragile US housing market, it also raises concerns […]

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To Buy or Not To Buy?

Is the current US housing market a buyer’s market – or do sellers prevail? The mixed messages from different areas of the housing market are enough to give any investor pause. Is the market improving? What about mortgage lending standards? And are their still good bargains to buy? All the contradictions aside, real estate experts […]

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Trends in Mortgage Interest Rates: Up or Down?

The end of the year brings an onslaught of predictions in fields ranging from sports to economics. In the world of real estate and income property investing, a number of lists compiled by real estate professionals and economists are emerging, drawing on past and present conditions to provide a look toward the future. Although those […]

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The National Mortgage Database: A Privacy Risk?

Keeping personal information private may get a little harder – at least if you hold a mortgage. Although it’s always been true that anyone in pursuit of a loan is expected to disclose a certain amount of details about their personal history and creditworthiness, the new national mortgage database, set to roll out in 2013, […]

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Foreclosures: A Measure of the Market

The state of the foreclosure market has been one barometer of the health of the housing industry since the days of the massive mortgage collapse back in 2008. Fewer foreclosure proceedings meant that more homeowners were ale to hang onto their properties, which would contribute to the recovery of the housing market as a whole. […]

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QE3 and the Long Arm of the Fed

For much of its nearly century-long existence, the Federal Reserve has remained a mysterious, silent entity largely unknown to most Americans. But thanks to the housing collapse and mortgage crisis of a few years ago and recent talk of the financial cliff facing the government the Fed and its actions to manipulate the economy have […]

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More Federal Stimulus Plans Keep Interest Rates Low

The Federal Reserve continues to take an active role in stabilizing the fragile US economy and boosting the housing industry through massive buy-ups of  mortgage backed securities and the release of money back into circulation, Although past efforts haven’t yielded significant results, the Fed is preparing another round of buying up mortgage backed securities, creating […]

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New Deductions Give Investors a Break

With tax season just around the corner, financial advisors and tax experts are recommending a little year-end financial housecleaning. For investors in income property, this means taking a look at existing and potential tax deductions before the end of the year. There may still be time to squeeze in a few more deductions before December […]

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Who Owns Your Mortgage?

In the aftermath of the subprime mortgage crisis of 2008-2011 and embarrassments such as the robosigning fiasco, the US mortgage lending industry has undergone some housecleaning and streamlining, with new regulations in place to protect mortgage holders from abusive practices and to create mew standards for lenders. But even with all these changes in place […]

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The Fiscal Cliff: A Crisis for the Housing Industry?

Is the housing industry headed over the “fiscal cliff” on January 1, 2013? Before the November presidential election, most Americans had never heard of such a cliff, but with the expiration of the Budget Control Act of 2011 just around the corner, the term is hitting news headlines around the country. Referring to the deep […]

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Low, Lower, Lowest: Mortgage Rates Keep Falling

How can a corporate CEO shifting money from one offshore account to another affect the interest rate on a mortgage in the US? Current mortgage interest rates are falling to record low levels, making it possible for struggling homeowners to refinance their loans at more manageable levels and opening doors to investors seeking to purchase […]

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How Do Capital Gains Taxes Changes Affect Investors?

Among the most dreaded changes of President Barack Obama’s second term are those looming for the capital gains tax – the tax imposed on profits from transactions involving nearly every asset an individual can own. Amid the uncertainty surrounding the fate of the capital gains taxes, many individual are rushing to sell assets such as […]

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The Mortgage Market: Taking Advantage of Low Interest Rates

The US housing market continues its upswing, fueled by a number of factors. Low interest rates and stricter accountability in the mortgage industry combine to create favorable conditions for financing and refinancing homes and income properties alike. And although the conventional wisdom about owning residential property holds that paying off a mortgage as soon as […]

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