Everything you need to request a home loan

As a mortgage rate shopper in Cincinnati, geopolitics can either be your dream or your nightmare. Lately, it’s been the former. Mortgage Rates React To Politics The mortgage market is a living, breathing organism, susceptible to outside influence. Some influences are easy for which to prepare.  We call them “calendared” events.  Things like the release of Existing Home Sales data, jobs numbers or an FOMC meeting — these are events we know are coming and for which we can devi... Read more

Look around.  Home prices are still low (all things relative) and mortgage rates are ridiculous. It’s no surprise that home affordability is high right now. Home Affordability Hits All-Time Highs It wasn’t supposed to be like this.  Housing was supposed to have recovered and mortgage rates were supposed to have risen.  But they haven’t.  And it’s creating an opening for today’s buyers. According to the Home Opportunity Index, a quarterly report joint published... Read more

Life is getting difficult for home buyers and rate shoppers.  Since the start of April, mortgage lenders are averaging 2.25 rate sheets per day. Mortgage Rate Velocity — the pace of rate sheet change — is as high as it’s been in a year. What Is A Mortgage Rate Sheet? A rate sheet is a mortgage bank’s “menu”. It lists rate-and-points combinations for every loan product available. Some rate sheets are just a page; others go 10 pages or more.  Most are now... Read more

Efficiency is the key to achievement. It is quite true. If one is efficient, quick and updated with the entire technologies and growth procedures, then he/she can help him/herself to a great extent. No doubt the internet is one of the best technologies these days which is helping the task of a common man easier with their vast developments. Making use of internet, we can update our knowledge in various fields and gather ample of information, when I wanted to buy a house for myself, I surfed thro... Read more

Credit scoring is a huge part of the mortgage world. A given credit score can mean the difference between a 5 percent rate and a 6 percent rate; a conventional mortgage and an FHA mortgage; an underwriting approval and an underwriting denial. And yet, there’s a persistent belief among Americans that “having your credit checked” is a bad thing. In some instances, yes. In most instances, though, no. See, not all credit applications are created equal. At least, not in the eyes... Read more

Get ‘Capitalism: A Love Story’ on DVD: tinyurl.com “Don’t leave your home. Because you know what? When those companies say they have your mortgage, unless you have a lawyer that can put his or her finger on that mortgage, you don’t have that mortgage, and you are going to find they can’t find the paper up there on Wall Street. So I say to the American people, you be squatters in your own homes. Don’t you leave. In Ohio and Michigan and Indian... Read more

“The Mother of All Bailouts” Ron Paul talks about the bailout out of the housing industry and how it really just destroys the dollar and adds enormously to the debt. Also, slipped into the bill, was the stipulation that ALL credit card transactions must now be reported to the IRS. digg digg.com (buried after 1200 diggs!) digg 2 digg.com ... Read more

TNX for 18.000 views Frank Millers Sin City Soundtrack The Servant-Cells ... Read more

The best moments of Home Movies’ Walter and Perry. I know I’m missing a few clips, so don’t bother telling me. I don’t own Home Movies, blah blah, legal stuff. Part 2: www.youtube.com Part 3: www.youtube.com Check out “Light Kills Coach McGuirk”! www.youtube.com ... Read more

Foreclosure Angel A woman buys a stranger’s foreclosed home… and gives it back to her. If you want to know more about this angel contact her on facebook and send her a message here: www.facebook.com Marilyn Mock Says ‘People Need to Help Each Other’ By JONANN BRADY Tracy Pottsboro lost her job and then her home when she couldn’t make mortgage payments. On Saturday, she watched as her home was auctioned off in Dallas. “The final farewell to my house... Read more