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Tag Archives: mortgage finance
Mortgage Interest Rates, Home Sales Rise
These two indicators often run together. With increased demand for home buys and mortgages, interest rates rise. With fewer people interested in buying homes and taking on mortgages, interest rates fall. Record low interest rates have not been enough to … Continue reading
Posted in mortgage, Rates
Tagged consumer confidence, employment data, finance company, low interest rates, mortgage finance, mortgage interest rates
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Mortgage Interest Rates Steady
Mortgage interest rates remain near record lows. Borrowing costs have never been cheaper. Homes have never been cheaper. Why? Because there’s so little demand to buy a new home and to take on a mortgage. With so many people out … Continue reading
Posted in mortgage, Rates
Tagged association of realtors, finance company, mortgage finance, mortgage interest rates, national association of realtors, record lows
Comments Off on Mortgage Interest Rates Steady
Freddie Mac Gets Another Bailout
The final total for taxpayers will likely be near a trillion dollars. It will dwarf the settlement of the savings and loans scandal of the 1980s. I expect that President Obama’s executive order to allow underwater home owners to refinance … Continue reading
Posted in freddie mac, mortgage, Politics
Tagged cash drain, charles e haldeman, mortgage finance, quarterly dividends, savings and loans scandal, wsj reports
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Texas Benefits From Federal Reserve’s Policies
Republican candidate for presidential nomination, Rick Perry, has gone after the Federal Reserve with strong words, but a new study shows that Texas has disproportionately benefited from the Fed’s easy money policies. Some other things have helped Texas as well … Continue reading
Posted in mortgage, Politics
Tagged asset prices, coastal california, home savings and loan, mortgage finance, presidential nomination, savings and loan crisis
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Will Low Interest Rates Revive The Housing Market?
If people don’t have jobs, they can’t buy homes, even if interest rates are low. If the economic outlook is precarious at best, then many people who do have the means will stand back from major purchases. What about people … Continue reading
Posted in mortgage, Politics, Rates, Refinance
Tagged budget cuts, housing industry, mortgage finance, mortgage refinancing, national mood, npr reports
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Changing The Debate On Mortgage Finance
In 2010, Congress passed and President Obama signed a massive financial regulation bill called Dodd-Frank. As with the healthcare bill, almost all of those who voted yes had not read the bill. Nobody knew what it would do because important … Continue reading
Posted in mortgage, Politics
Tagged act mandates, bloomberg, dodd, mortgage finance, mortgage market, obama
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Fannie Mae, Freddie Mac Slow To Report Fraud
GSEs like Fannie and Freddie don’t have the same incentives as a private company. If Fannie and Freddie screw up, they just get bailed out by the taxpayers. Investors in Fannie and Freddie accept lower returns in exchange for the … Continue reading
Posted in fannie mae, freddie mac
Tagged criminal investigators, fannie mae and freddie mac, finance giants, housing finance agency, mortgage finance, mortgage fraud
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Foreclosure Glut Holds Down Home Prices
Hundreds of thousands of foreclosed homes have yet to come to the market so I don’t see any prospect of home prices rising until at least 2014. I expect more declines in prices over the rest of this year. Sucks … Continue reading
Posted in Banks, Foreclosure, mortgage, Rates
Tagged earthquake in japan, foreclosure problems, housing news, judy woodruff, mortgage finance, new home construction
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New Regulations Mean Most Folks Will Have A Harder Time Getting A Mortgage
Under Bill Clinton, standards for mortgage lending were dramatically cut to get more African-Americans into owning their own homes. The housing crash is a testimony to the wrongness of these decisions to slash standards. Now we have new regulation on … Continue reading
Posted in Banks, mortgage, Politics
Tagged getting a mortgage, home purchasers, moderate income buyers, mortgage finance, mortgage lending, new mortgage
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