Money Pros: With interest rates low, clinic buy is it a good time to refinance a home?
… this a good time to refinance my home? A. Interest rates on 30-year fixed-rate mortgages have dropped to levels near all-time lows — they fell to below 4% and have now risen to just above that level. … It's not a boom, but there has been an …
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New Report Shows States Where Mortgage Rates Are Highest, Lowest
Good news for home buyers and refinancing households — today's mortgage rates remain firmly south of 4%. According to Freddie … VA mortgage rates and FHA mortgage rates are typically lower than conventional ones by 25 basis points (0.25%), at least.
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The Many Pitfalls of Private Student Loans
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Clinton unveils plan for no–loan college tuition
Democratic presidential candidate Hillary Clinton unveiled a plan on Monday to address the burden of student debt and make higher education more affordable, largely through federal incentives to make so-called no-loan tuition available at public …
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5 ways to avoid predatory student loan scams
The Federal Trade Commission (FTC) has found that some private lenders try to misrepresent themselves by using names, symptoms seals and logos that give the impression they are affiliated with the federal government's student loan programs. However, ask the …
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Making college more expensive: One view
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MI Update; Upcoming Events; Company Earnings Speak to Housing/Mortgage Market …
Other highlights of the report suggest that 65 percent of respondents believe it will take anywhere from one to three years for the FHA to meet its required capital levels due to having reduced their premiums. Whereas 53 percent of senior executive …
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FHA Annual Mortgage Insurance Premiums (MIP) for 2015
At a glance: The FHA annual mortgage insurance premium for 2015 is being reduced. This change takes effect on January 26, salve 2015. The new annual MIP for most FHA borrowers will be 0.85% of the base loan amount. This change only applies to 30-year …
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Student debt: More college, ampoule university students across Valley take on loan …
According to a recent Government Accountability Office report, federal student loan debt more than doubled between 2005 and 2013, from $ 400 billion to more than $ 1 trillion, and the increase was felt even among adults over the age of 65. In the 2012 …
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Two Fort Worth Nonprofits Awarded K in Grants to Support Housing and …
HOFW will use the funds to increase and improve its capacity to better serve clients with homebuyer education, housing counseling, and reverse-equity mortgage counseling. The Fort Worth BAC was founded in 1999 by … and executive director of the Fort …
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Rules for Social Security Benefits
We're considering a cash-out refinancing of our home, but we feel as though we can do it only once, since each time we refinance it will cost us some fees, plus interest rates are likely to start edging up soon. However … Approach these loans …
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Harp Blasts Northland, information pills HUD
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10000 Phoenix, Arizona Homeowners Eligible for HARP Refinancing
In fact, Arizona homeowners who are currently upside down in their homes (meaning mortgage balances exceed their house values) could still qualify for refinancing through HARP. According to a fact sheet published by the Federal Housing Finance Agency …
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How the Coming Credit Bust Can Make You Rich
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Laid low by high debts
… without a credit card or getting some type of credit," said Jackie Cummings Koski, who conducts personal money management workshops and authored a prize-winning book on financial literacy. "When you get a house, you're going to need to get a loan.
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Why Latino Americans Are Denied Home Loans More Often Than White Applicants
For example, immigrants are more likely to repay their mortgages than their credit scores suggest, according to a Federal Reserve study cited in the report, and while not all Hispanic homeowners are immigrants, many are. Additionally, about half of …
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Getting The Word Out: Obamacare Is For Native Americans Too
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Bill de Blasio's Battle to Save New York—and Himself
Bill de Blasio is unlike any New York mayor in recent memory, a staunch progressive, a crusader against income inequality and for affordable housing, a man who has as little use for Park Avenue elites as they do for him. In terms of the … This is a …
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University of Minnesota sustainability project provokes taxpayer opposition
“Our local governments make decisions not in a vacuum but based on data, which is a good deal for the taxpayer,” said Carver County board chair Randy Maluchnik of the RCP program to be implemented this month. “…If they want to look at them, that …
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Global Equity International Inc. Intends to Reapply for OTCQB Listing Status
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Theodore L. Caputi | No pay, store no gain
Since arriving at the University in 2004, hospital President Gutmann has made equity a priority and increased financial aid by 160 percent. Under Gutmann, Penn became the largest school (by student population) to boast a no-loan — now “all-grant” — financial …
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Stocks Recap: Zions Bancorporation (NASDAQ:ZION), Tyco International (NYSE:TYC …
Zions Bancorporation (ZION) stated second quarter net income of $ 14.0 million and a net loss applicable to common shareholders of $ (1.1) million, or $ (0.01) per diluted common share. During the second quarter, the Company sold the remaining portfolio …
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HUD Proposal Aims to Clarify FHA Rules
FHA insured loans have allowed borrowers with lower credit scores to make lower down payments – something that isn't possible through most loans backed by conventional mortgage insurance. Since January 2015, approved a number of large banks including Wells …
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Morning Briefing: Houston – we have a problem
Scott Davis is Metrostudy told the Houston Chronicle that while these figures are bad news for builders, stuff they represent opportunity for buyers: "If you're looking to buy a home and you've had sticker shock, the second half of 2015 is going to be a …
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Seven steps to improve the odds of a good first time home buying experience
A successful real estate transaction requires a lot of behind-the-scenes communication and coordination between the agent and loan officer so it may be best to consider your agent's advice and check out one of their lenders of choice. … A preapproval …
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Recovery Kentucky Center opens in Knott County
The Kentucky Housing Corp. provided the bulk of funding through the HOME Investment Partnerships (HOME) Program and Low Income Housing Tax Credits (Housing Credits). KHC allocated $ 1.1 million in HOME funds and $ 700, online 000 in Housing Credits, patient …
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Americans deserve a better housing policy for the 21st century
o Raise the current 43 percent limit on the total-debt-to-income ratio to 45 percent for loans with a term of 20 years or less, in recognition that a substantial portion of each monthly payment is principle amortization and is actually savings. o The …
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Commentary: Payday loan regs designed to wipe out industry
The CFPB proposal would also require lenders to verify a potential customer's income and credit history. That's a costly and … No one is forced to take out a payday loan — just as no one is forced to take out a new credit card or home mortgage …
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Mortgage rates fall amid wild up-and-down market swings
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REAL ESTATE: FHA to issue guidelines on HERO-type, PACE energy loans
… on HERO-type, PACE energy loans. Federal Housing Administration to issue guidelines on HERO-type, PACE energy loans that could ease potholes that arose for Inland Southern California mortgage holders when they buy, sell or refinance a home …
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Are lenders cherry-picking higher FICO scores?
… that produces a highly regarded monthly report on accepted and rejected loan applications, treat paint a different picture: Average FICO credit scores on non-government and government-backed mortgages for home purchases have been rising — not falling …
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Deutsche High Income Opportunities Fund, Inc. Announces Extension of Share …
The Fund may invest in debt securities not paying interest currently and securities in default. In addition, the Fund may invest in senior bank loans, including bank loan participations and assignments. The Fund may buy or sell protection on credit …
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FHFA: Second Quarter HARP Refinances Down Slightly
More than 616, sales 000 borrowers in the second quarter refinanced their Fannie Mae or Freddie Mac mortgage loans, this web with about 31,000 of those happening through the Home Affordable Refinance Program, the Federal Housing Finance Agency said today. HARP …
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Seattle Has Quietly Been Building Affordable Housing In Your Neighborhood
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EB-5 Financing Matters: 5 Things The Wall Street Journal Did Not Mention about …
The Program is overall positive, medications facilitating job growth in rural states such as Vermont and enabling the construction of affordable housing in urban areas. … EB-5 investors seeking green cards are subject to intense scrutiny by the US government.
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From the dais: City council, school board results
2 approved an application to the California Home Finance Authority to permit the provision of the Property Assessed Clean Energy Program in the city; adopted a resolution authorizing a re-designation application for the North San Diego County Recycling …
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Farmer Mac, what is ed USDA Provide Financing Options for Rural Homebuyers
Under the RHS Section 502 Direct Loan Program, illness low- and moderate-income borrowers are eligible for 100% mortgages with no money down. Applicants must have an adjusted income that is no greater than the low-income limit for their area, and be unable …
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Feds expanding access to mortgage loans
“This is one more tool to help FHA, approved lenders and the public know exactly who we're serving, treat ” said Ed Golding, principal deputy assistant secretary for housing at the Department of Housing and Urban Development (HUD). “By better understanding FHA's …
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Lenders seem to be cherry picking higher FICO scores
Federal Housing Administration (FHA) loans show a similar pattern: Mortgages closed during January had average FICO scores of 682. In July, they averaged 689, five points higher than the average for 2014. Veterans (VA) loan scores are also up — 709 in …
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How to fund that major remodel
When the Jacobses bought their 1974 house in 2003 for $ 452,000, they took out a 30-year, fixed-rate mortgage at an annual percentage rate of 5.25 percent. In 2010, they refinanced, converting to a mortgage with a 4.25 APR. Three years later, they …
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