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National Housing Finance

The cause and effect of the housing crisis

It has been over 5 years since the housing crisis began; yet the same questions continue to plague our conscientiousness. How do we fix it and when...
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U.S. Senator Shelby: encourages a house financing system with all sized banks

In a public intended statement before the committee hearing on housing finance reform, Senator Richard Shelby continues to keep the residents and...
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The end of the 30 year mortgage?

  • GSE reform
  • March 24, 2011
The staple of housing finance since the New Deal, the 30 year mortgage has helped millions of Americans achieve homeownership. Now a proposal from...
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Changes at Fannie Mae and Freddie Mac

After only one year as the director for the Federal Housing Finance Agency,James Lockhart announced he is stepping down, and plans to return to...
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FHA is NOT the new subprime

This isa quote from a recent interview with HUD Secretary Shaun Donovan… “Operate within our standards or we won't do business with...
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Modification for FHA loans

In a Washington news release today, HUD announced it’sNEW FHA-MAKING HOME AFFORDABLE LOAN MODIFICATION. Now loans backed by the Federal...
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Pressure is on lenders to modify mortgages

The pressure is on lenders to modify mortgages but lenders are not giving easy handouts.There are varying degrees of distressed borrowers...
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How much money should a loan officer make on your mortgage?

What is “fair” compensation for a loan officer at a broker, mortgage banker, or bank on a mortgage?Is there a specific dollar amount,...
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New truth in lending requirements will delay real estate transactions

The Federal Reserve Board has announced changes to consumer protection regulations for mortgages that will take effect on July 30, 2009.The Federal...
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Real estate values stabilizing in some markets

Evidence that real estate values are starting to stabilize in some markets can be found in Genworth Mortgage Insurance company’s latest...
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