Ethics, Honesty, and Up To The Minute Information
Effective April 1st, 2013, HUD/FHA will make some significant changes for those opting for an FHA loan. The most obvious are that the monthly Mortgage Insurance Premium will not automatically stop after 5 years or when the loan to value ratio, or equity in the home, reaches 78%. Please click 0n the link to view [...]
By now most real estate and mortgage professionals know that on September 30th the “Conforming High Balance” loan limits are due to be lowered. During the collapse of the economy this was the single most effective measure that Fannie Mae exercised to help the housing market. In an industry that has been plagued with major [...]
The much anticipated S & P Case Schiller report is out today. Unless you live in Washington DC or San Diego the news are grim at best. The report goes on to say: “Both Los Angeles and San Francisco reported negative annual rates of return in December, leaving San Diego and Washington DC as the [...]
As per the Case Schiller Report San Diego shows the best Month over Month and Year over year home price appreciation. One more reason to rely on your local Real Estate and Mortgage experts.
Today, January 25th, FHFA released their “U.S. Monthly House Price Index Unchanged from October to November” Below is the chart that highlights California having the second best increased in Home Price Index released by the FHFA:
Although the nation’s HPI (Home Price Incex) dropped 1.6%, San Diego continues to recover nicely.
Due to market conditions and the declining home values, “cash-in” Refinances are becoming extremely popular. During the sub-prime years this type of loan would have never existed. The fact of the matter is that the financially savvy homeowner realizes that money market accounts, certificate of deposits, saving accounts, etc. are paying, in some case, 1% [...]
It is official. The bill HR 5981 has been passed and made into law. But what exactly does that mean to people in the process of LOOKING for a home? My hope is that these points will clarify any and all of your questions: First the great news. If you are currently looking at an [...]
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