DailyFinance.comhttp://www.dailyfinance.comDailyFinance.comhttp://o.aolcdn.com/os/df/2013/img/2-dailyfinance_logo_m.pngDailyFinance.comhttp://www.dailyfinance.comen-usCopyright 2013 Weblogs, Inc. The contents of this feed are available for non-commercial use only.Blogsmith http://www.blogsmith.com/Few Mortgage Modifications Include Principal Reductionshttp://www.dailyfinance.com/2011/03/31/few-mortgage-modifications-include-prinicipal-reductions/http://www.dailyfinance.com/2011/03/31/few-mortgage-modifications-include-prinicipal-reductions/http://www.dailyfinance.com/2011/03/31/few-mortgage-modifications-include-prinicipal-reductions/#commentsFiled under: ,

Mortgage modificationHave the mortgage-modification floodgates opened? For the one-in-four American homeowners who owe more on their mortgages than their homes are worth, a reduction in the mortgage's principal balance can shift the borrowers' math and their mindsets in favor of staying in the game: Drop the amount of their loan and they make more of an effort to keep making payments and avoid foreclosure.

The data bears this out; the industry-wide re-default rate on loan modifications overall hovers around 53% six months into the modification, but only half as many homeowners re-default after a loan modification that reduced the principal owed on the loan.

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]]>mortgage modificationmortgagesprincipal reductionTara-Nicholle NelsonThu, 31 Mar 2011 11:03:00 ESTAre Foreclosures Plaguing Active-Duty Military Members?http://www.dailyfinance.com/2011/03/29/are-foreclosures-plaguing-active-duty-military-members/http://www.dailyfinance.com/2011/03/29/are-foreclosures-plaguing-active-duty-military-members/http://www.dailyfinance.com/2011/03/29/are-foreclosures-plaguing-active-duty-military-members/#commentsFiled under: ,

Soldier returning from IraqImagine what must go through the minds of America's soldiers as they fight on fronts from Afghanistan to Iraq: the terrors they've seen, the dangers lurking around the corner, their concerns about their families, and so on. The last thing they should have to think about? Whether their home will still be there or, rather, theirs, when they return stateside.

Yet that precise concern came true for at least 23 military service members who were on active duty while their homes were repossessed by Morgan Stanley's Saxon Mortgage Services unit, according to the New York Times. In fact, the Justice Department's Civil Rights Division is investigating Saxon and a number of other mortgage servicers for possibly violating the Servicemembers Civil Relief Act (SCRA), which protects service members from a number of actions by their creditors -- including repossession of their homes without a court's approval -- while they are mobilized.

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]]>foreclosures on service membersmortgage foreclosuresservice membersU.S. Armed ForcesTara-Nicholle NelsonTue, 29 Mar 2011 12:20:00 ESTThe Hardship Letter: Four Points to Make When Seeking a Home Loan Modification or Short Salehttp://www.dailyfinance.com/2011/03/28/the-hardship-letter-four-points-you-must-make-when-asking-for-a/http://www.dailyfinance.com/2011/03/28/the-hardship-letter-four-points-you-must-make-when-asking-for-a/http://www.dailyfinance.com/2011/03/28/the-hardship-letter-four-points-you-must-make-when-asking-for-a/#commentsFiled under: , , ,

foreclosure sign - home loan modificationMany a homeowner has been "inspired" to do-it-yourself-dom by a traumatic encounter with a bad contractor (traumatic to the psyche -- or the pocketbook). In the same vein, the spate of loan modification scammers who have taken thousands from already struggling homeowners in return for false promises to fix their broken adjustable rate mortgages (ARMs), get their principal balances slashed and even save long-defaulted, deeply underwater homes from the foreclosure auction block has served as inspiration for many a homeowner to go the loan mod route themselves.

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]]>bankruptcyDIY loan modhardship letterhome loan modificationshome loansreal estateTara-Nicholle NelsonMon, 28 Mar 2011 10:00:00 ESTHome Prices Hit Lowest Mark in Nine Yearshttp://www.dailyfinance.com/2011/03/23/home-prices-hit-lowest-mark-in-nine-years/http://www.dailyfinance.com/2011/03/23/home-prices-hit-lowest-mark-in-nine-years/http://www.dailyfinance.com/2011/03/23/home-prices-hit-lowest-mark-in-nine-years/#commentsFiled under: ,

home sold - lowest home prices in 9 yearsYou've heard the saying that a picture is worth a thousand words. Well, in real estate news this week, a picture has been painted by what seems like a thousand numbers -- and the picture ain't pretty, people.

Yesterday, the National Association of Realtors(R) (NAR) announced that sales of existing (meaning non-new) homes declined 9.6% from January to February of this year. What's worse, February's median existing home sales price of $156,100 is the lowest mark the metric has hit in nine years, since the same month in 2002.

That's right, folks -- home prices have rolled back to where they were nearly a decade ago.

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]]>home pricesNARreal estateTara-Nicholle NelsonWed, 23 Mar 2011 09:00:00 ESTNearly 20% of Florida Homes Are Vacant, Census Bureau Revealshttp://www.dailyfinance.com/2011/03/22/nearly-20-of-florida-homes-are-vacant-census-bureau-reveals/http://www.dailyfinance.com/2011/03/22/nearly-20-of-florida-homes-are-vacant-census-bureau-reveals/http://www.dailyfinance.com/2011/03/22/nearly-20-of-florida-homes-are-vacant-census-bureau-reveals/#commentsFiled under: ,

Welcome to Florida signFlorida can't seem to catch a break these days, especially when it comes to its housing market. First, the news (or not-so-news, if you actually live there) broke that Florida had the highest rate of foreclosures of any state in the union during the last quarter of 2010. And now, in a striking example of it pouring when it rains - even in the Sunshine State, another stunningly bad real estate stat: Nearly 20% of the homes, all homes, in Florida are vacant. Vacant as in no one lives there. At all. When almost 1 in 5 homes in a state are vacant, it gives new, economically dismal meaning to the phrase "no one's home."

This data, revealed by the Census Bureau, shows that 18% of all Florida homes, more than 1.6 million properties to be precise, have fallen into vacancy for one reason or another. To give this some context, this is a 63% increase in vacancies in the last 10 years. These homes largely fall into two categories: new homes that were built, and never sold in the first place, and homes that were once occupied, but have been foreclosed on, followed by the eviction of the homeowners.

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]]>florida real estatereal estatevacant florida homesvacant homesTara-Nicholle NelsonTue, 22 Mar 2011 16:00:00 ESTFive Real Estate Tips from Warren Buffetthttp://www.dailyfinance.com/2011/03/16/five-real-estate-tips-from-warren-buffett/http://www.dailyfinance.com/2011/03/16/five-real-estate-tips-from-warren-buffett/http://www.dailyfinance.com/2011/03/16/five-real-estate-tips-from-warren-buffett/#commentsFiled under: , ,

Warren BuffettBillionaire. Oracle of Omaha. The most successful investor in the world. All of these are used frequently -- and accurately -- to describe Warren Buffett, Chairman of Berkshire Hathaway, a holding company with upward of $130 million. Though his stock in trade is, well, stock and trade, over the years, Buffett has actually spun quite a bit of wisdom on real estate, and much of the advice he has given to investors in traded assets would also stand the average American homeowner in good stead.

Looking for some wisdom on the best approach to owning a home? Here's a sampling of real estate tips from Buffett, right, the third richest human being on the planet.

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]]>buffett on real estatehome appreciationhome ownershipmortgage crisisreal estatereal estate bubblereal estate tipswarren buffettTara-Nicholle NelsonWed, 16 Mar 2011 18:00:00 ESTNew Foreclosure-Prevention Programs Available in 18 States and D.C.http://www.dailyfinance.com/2011/03/07/new-foreclosure-prevention-programs-available-in-18-states-and-d/http://www.dailyfinance.com/2011/03/07/new-foreclosure-prevention-programs-available-in-18-states-and-d/http://www.dailyfinance.com/2011/03/07/new-foreclosure-prevention-programs-available-in-18-states-and-d/#commentsFiled under: ,

Foreclosed home for saleRecent movements in Congress to deactivate some of the federal foreclosure-prevention programs are getting a lot of press, despite the fact that these programs are probably safe for the time being. What gets much less publicity are the billions of dollars that are still available to help distressed owners keep their homes.

But one such program, the U.S. Treasury Department's Hardest Hit Fund, is slowly but surely evolving from a political proposal to over $7.6 billion in desperately needed help for people struggling to keep their homes. Homeowners in states where home prices have dropped more than 20% from their peak and states where unemployment has hit more than 12% during the recession will be eligible to receive some of the Hardest Hit Fund money (see the list of states, along with their Hardest Hit Fund websites, below). A total of 18 states plus the District of Columbia each have their own version of the program.

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]]>Bargain Babeforeclosureforeclosure preventiongovernment programTara-Nicholle NelsonMon, 07 Mar 2011 13:00:00 ESTFour New Mortgage Need-to-Knows for First-Time Homebuyershttp://www.dailyfinance.com/2011/03/07/four-new-mortgage-need-to-knows-for-first-time-homebuyers/http://www.dailyfinance.com/2011/03/07/four-new-mortgage-need-to-knows-for-first-time-homebuyers/http://www.dailyfinance.com/2011/03/07/four-new-mortgage-need-to-knows-for-first-time-homebuyers/#commentsFiled under: , ,

home sold - mortgagesIf you've been saving your pennies and primping your FICO score in hopes of getting into the housing market while the getting's good (i.e., while home prices and interest rates are low), it must seem like there's a "new rule" of the new, post-bubble market to learn every time you turn around.

And there is: mortgage guidelines, the rules of engagement around distressed properties and the decision rules for making a smart buy are changing at break-neck speed. It's a sign of the times, then, that we've uncovered at least four brand, spanking new need-to-knows for today's intrepid would-be homebuyers.

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]]>down paymentsFannie MaeFHAfirst-time homebuyersFreddie Maclendersloansmortgagereal estateRegulation ZTruth in LendingTara-Nicholle NelsonMon, 07 Mar 2011 08:00:00 ESTHome Values Headed for a Double Diphttp://www.dailyfinance.com/2011/03/04/home-values-headed-for-a-double-dip/http://www.dailyfinance.com/2011/03/04/home-values-headed-for-a-double-dip/http://www.dailyfinance.com/2011/03/04/home-values-headed-for-a-double-dip/#commentsFiled under: ,

House for sale at a reduced priceHave you ever gotten your hopes way up about something, only to have them shattered? Thought you were getting a new puppy for Christmas, and got one -- but it was stuffed? Multiply that infinitely and you'll begin to grasp what homeowners around America are feeling as they contemplate the latest news about home values.

Recently, a number of economists and prognosticators projected a housing market double-dip, essentially cautioning Americans that the apparent recovery in home prices during 2010 was temporary, and that prices are again on the decline and approaching their 2009 trough. These predictions seem more likely than ever to come true, in light of the housing data reports that came out last week.

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]]>Tara-Nicholle NelsonFri, 04 Mar 2011 13:00:00 ESTFive Tax Tips, Tricks and Traps for Homeownershttp://www.dailyfinance.com/2011/02/28/five-tax-tips-tricks-and-traps-just-for-homeowners/http://www.dailyfinance.com/2011/02/28/five-tax-tips-tricks-and-traps-just-for-homeowners/http://www.dailyfinance.com/2011/02/28/five-tax-tips-tricks-and-traps-just-for-homeowners/#commentsFiled under: , ,

House with a sale pending sign outsideAsk a roomful of homeowners what's so great about owning versus renting, and you'll hear them holler in unison: "the tax deductions!" And it's true -- homeowners who itemize their taxes are able to deduct 100% of their mortgage interest and property taxes from their income tax returns.

That means that if you're in a 28% tax bracket, Uncle Sam effectively subsidizes about a third of your borrowing costs or more, making your home more affordable or allowing you to buy a larger home than you could have otherwise. Also, big chunks of your closing costs are tax deductible, and hundreds of thousands of dollars of any profit (or capital gains) that you realize when you sell your home are exempt from income taxes.


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]]>homeowners deductiontaxes 2010Tara-Nicholle NelsonMon, 28 Feb 2011 12:00:00 ESTNew Mortgage Broker Law Aims to Save Home Buyers Moneyhttp://www.dailyfinance.com/2011/02/27/new-mortgage-broker-law-aims-to-save-home-buyers-money/http://www.dailyfinance.com/2011/02/27/new-mortgage-broker-law-aims-to-save-home-buyers-money/http://www.dailyfinance.com/2011/02/27/new-mortgage-broker-law-aims-to-save-home-buyers-money/#commentsFiled under: ,

home for sale - new mortgage broker lawYou get what you pay for, or so the saying goes. But consumer advocates have long bemoaned that the opposite is true in the world of mortgages.

Consumers choose between getting their loans through a mortgage broker, who can shop around with lots of lenders, or directly from the lenders themselves. The two options have historically had a long list of trade-offs in terms of customer service, speed and the number of programs each has to offer.

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]]>borrowingbrokerslendingmortgagereal estateTruth in Lending Actyield Spread PremiumTara-Nicholle NelsonSun, 27 Feb 2011 12:00:00 ESTFlorida Leads Nation in Foreclosure Ratehttp://www.dailyfinance.com/2011/02/24/florida-leads-nation-in-foreclosure-rate/http://www.dailyfinance.com/2011/02/24/florida-leads-nation-in-foreclosure-rate/http://www.dailyfinance.com/2011/02/24/florida-leads-nation-in-foreclosure-rate/#commentsFiled under: , ,

florida foreclosureIf the state of Florida were a brand, its symbols would be orange juice, Art Deco architecture and, unfortunately, delinquent mortgages. In the last quarter of 2010, more than 24% of home loans in Florida were in some stage of delinquency or foreclosure, according to the Mortgage Bankers' Association's recently released National Delinquency Survey.

About 14% of Florida homes are actively in foreclosure, it says, meaning that a foreclosure action has been initiated by the lender but the mortgage has not been sold via foreclosure sale, nor has it been brought current by the homeowner or a workout such as a loan modification or short sale.

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]]>florida foreclosuresflorida real estateforeclosurereal estaterecessionTara-Nicholle NelsonThu, 24 Feb 2011 12:30:00 ESTThree Ways the White House Proposes to Help Cut Your Energy Billshttp://www.dailyfinance.com/2011/02/22/three-ways-the-white-house-proposes-to-help-cut-your-energy-bill/http://www.dailyfinance.com/2011/02/22/three-ways-the-white-house-proposes-to-help-cut-your-energy-bill/http://www.dailyfinance.com/2011/02/22/three-ways-the-white-house-proposes-to-help-cut-your-energy-bill/#commentsFiled under: , , ,

Workers install energy efficient windowsThe relationship between the Obama Administration and Americans' homes has been decidedly hit and miss. The White House keeps putting out programs designed to help Americans keep their homes, but none have proven effective in anywhere near the numbers it'll take to cure what ails the housing market.

Taking a different tack to help homeowners who are in a stable mortgage situation stay that way, President Obama recently launched the Better Buildings Initiative, a massive program designed to boost the energy efficiency of government, commercial and residential buildings.

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]]>Better Buildings InitiativeEnergyenergy efficiencysave energyTara-Nicholle NelsonTue, 22 Feb 2011 09:00:00 ESTHome Equity Lending Has Returned, but It Will Cost Youhttp://www.dailyfinance.com/2011/02/21/home-equity-lending-has-returned-but-it-will-cost-you/http://www.dailyfinance.com/2011/02/21/home-equity-lending-has-returned-but-it-will-cost-you/http://www.dailyfinance.com/2011/02/21/home-equity-lending-has-returned-but-it-will-cost-you/#commentsFiled under: , , , ,

a half-built home backlit - home equity lendingThe Fed recently reported that Americans lost over 60% of their home equity between 2007 and 2009. So it's no surprise that millions of homeowners also lost the ability to borrow against the home equity they once had. In the states hardest hit by the foreclosure tsunami, like California, Nevada and Florida, home equity lending has been virtually nonexistent the past couple of years, for a short list of reasons.

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]]>HELOChome equityHome Equity Lines of Creditlendingloansreal estateRecessionrefinancingTara-Nicholle NelsonMon, 21 Feb 2011 12:00:00 ESTThree Ways Obama's Mortgage Proposal Will Impact Youhttp://www.dailyfinance.com/2011/02/11/three-ways-obamas-proposal-to-change-mortgages-will-impact-you/http://www.dailyfinance.com/2011/02/11/three-ways-obamas-proposal-to-change-mortgages-will-impact-you/http://www.dailyfinance.com/2011/02/11/three-ways-obamas-proposal-to-change-mortgages-will-impact-you/#commentsFiled under: , ,

Fannie Mae and Freddie Mac mortgage officesImagine the scene if the Catholic Church tried to get rid of the Vatican, the enterprise that some say efficiently administers a worldwide organization but others call artificial, archaic and corrupt. In a 32-page white paper it released this morning, the White House proposed a similar remodel of the country's mortgage infrastructure, which would eliminate the similarly controversial and Vatican-esque institutions Fannie Mae and Freddie Mac over the next 5-7 years, almost certainly resulting in higher mortgage interest rates and fees, tighter lending guidelines and fewer mortgage options for home buyers and refinancers.

Fannie and Freddie are the Government Sponsored Enterprises (GSEs) that, along with the Federal Housing Administration, back over 90% of the home loans originated by America's lenders, freeing up the lenders' assets so they can continue to make loans and insuring mortgage investors when borrowers default.

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]]>fannie maefreddie macgovernment backed mortgageshome buyinglendingmortgagesTara-Nicholle NelsonFri, 11 Feb 2011 14:10:00 ESTFive Things to Do When Your Mate Can't Qualify For a Mortgagehttp://www.dailyfinance.com/2011/01/30/five-things-to-do-when-your-mate-cant-qualify-for-a-mortgage/http://www.dailyfinance.com/2011/01/30/five-things-to-do-when-your-mate-cant-qualify-for-a-mortgage/http://www.dailyfinance.com/2011/01/30/five-things-to-do-when-your-mate-cant-qualify-for-a-mortgage/#commentsFiled under: ,

when a mate doesn't qualify for a mortgageBeing able to afford a home has inspired many couples to tie the home ownership knot, married or not. Even those who already own homes are looking at uber-low rates and running to refinance. But with lending guidelines tighter than a Nicki Minaj outfit, more and more wanna-be buyers are running into a major financial/romantic dilemma: one partner qualifies for the home loan, but the other's job record, credit blemishes or insufficient income fouls up the financing.

What's a couple to do when one partner can't qualify for the mortgage? Take these five steps:

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]]>co-signerscredit scoresjoint-borrowersjoint-ownershipmarriagemortgagesreal estatespouses partner scoresTara-Nicholle NelsonSun, 30 Jan 2011 10:05:00 ESTFive Things to Know About a Place Before Buying a Home Therehttp://www.dailyfinance.com/2011/01/29/five-things-to-know-about-a-place-before-buying-a-home-there/http://www.dailyfinance.com/2011/01/29/five-things-to-know-about-a-place-before-buying-a-home-there/http://www.dailyfinance.com/2011/01/29/five-things-to-know-about-a-place-before-buying-a-home-there/#commentsFiled under: ,

Home soldOnce was, you could buy a home without much worry about how long it would take to recoup your upfront investment in the down payment and closing costs. Today, home prices have actually rolled backward to 2004 levels sinse their 2006 peak, according to Standard & Poor's Case-Shiller Home Price Index. So smart buyers know they'd better plan to hunker down for the duration (experts say 7-10 years, give or take, depending on the locality) before they make the commitment to buying a home, to stack the decks in favor of being able to break even -- or better.

Accordingly, it behooves a buyer to do a bit of research into his or her town and its real estate market dynamics to max out the chances of a regret-free home purchase.

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]]>buying a homebuying a housechoosing a homehome saleshouse salesTara-Nicholle NelsonSat, 29 Jan 2011 16:00:00 ESTMovable Light Switches and Other Cool Things at The International Builders' Showhttp://www.dailyfinance.com/2011/01/17/the-coolest-thing-i-saw-at-the-international-builders-show-mov/http://www.dailyfinance.com/2011/01/17/the-coolest-thing-i-saw-at-the-international-builders-show-mov/http://www.dailyfinance.com/2011/01/17/the-coolest-thing-i-saw-at-the-international-builders-show-mov/#commentsFiled under: , ,

light switches - movable light switchesWhat's the coolest new home technology on the drawing board, Jetsons' style? Last week's National Association of Home Builders' annual International Builders' Show (IBS -- not to be confused with Irritable Bowel Syndrome) proved a great prowling ground for what's in store for homes of the future -- and let me just say up front that I set my "impress me" bar high -- really high.

I wanted to be able to turn on the oven and roast a chicken from my laptop at work, or meet my goal of growing 75% of my household's food by 2012, feeding the family with whole foods grown in my robot-tended garden, with all our meal scraps composted in three minutes and carried from the table out back by an electronic horizontal dumbwaiter, straight to the plot, to fertilize next month's dinner veggies.

I'm exaggerating, but only slightly

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]]>home buildershome technologyIBSmovable light switchesTara-Nicholle NelsonMon, 17 Jan 2011 15:00:00 EST2011 to Hit Foreclosure Record - Three Need-to-Knows for Foreclosure Buyershttp://www.dailyfinance.com/2011/01/17/2011-to-hit-foreclosure-record-three-need-to-knows-for-forecl/http://www.dailyfinance.com/2011/01/17/2011-to-hit-foreclosure-record-three-need-to-knows-for-forecl/http://www.dailyfinance.com/2011/01/17/2011-to-hit-foreclosure-record-three-need-to-knows-for-forecl/#commentsFiled under: ,

A foreclosure sign - foreclosure buyersEconomists say the recession ended in mid-2009. Yeah, I know. But the American public has never really bought that line, especially when it comes to the real estate market. In fact, a December study showed that 58% of American adults actually think it will be 2012 or later before the housing sector truly begins to heal.

In this case, popular sentiment seems to back up the latest news from Realty Trac, a company that tracks foreclosure activity, which yesterday announced that more than 5 million Americans are now two months or more behind on their mortgage payments, setting the stage for a record high foreclosure rate this year. One million homes were repossessed by mortgage lenders in 2010, but 2011 is already on track for a projected 1.2 million foreclosures. "2011 is going to be the peak," said Rick Sharga, Realty Trac Senior Vice President.

Continue reading 2011 to Hit Foreclosure Record - Three Need-to-Knows for Foreclosure Buyers


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]]>ARM resetsbank-owned homesbuying foreclosuresforeclosure snowball effectforeclosuresLoan modificationsreal estateTara-Nicholle NelsonMon, 17 Jan 2011 07:30:00 ESTFour Fundamentals of Financial Successhttp://www.dailyfinance.com/2011/01/10/Four-fundamentals-of-financial-success/http://www.dailyfinance.com/2011/01/10/Four-fundamentals-of-financial-success/http://www.dailyfinance.com/2011/01/10/Four-fundamentals-of-financial-success/#commentsFiled under: ,

fundamentals of financial success20sMoney.com is a no-frills blog by a 27-year-old gent who calls himself, simply, "Kevin." The blogger started out in good financial shape and wants to help readers develop great financial fitness.

The blog doesn't try to be the most entertaining, or even most comprehensive, money site on the web; in fact, the writer states flat out that he's not trying to teach people how to get out of overwhelming debt or how to do things that are covered by scores of other sites, like diversifying their portfolios. Rather, he shoots for helping readers reach financial goals that will let them spend more of their time doing the things they love.

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]]>20smoney.comfinancial successfundamentals of financial successtips for financial successTara-Nicholle NelsonMon, 10 Jan 2011 13:00:00 EST