Share this page | Email | Contact Us

Special Report on

Homeowner Mortgage Finance

homeowner mortgage finance special research report Photo by
In its quarterly report released last week, the Federal Reserve said that in 2007, Americans’ percentage of equity in their homes fell below 50 percent for the first time since 1945, to 47.9 percent in the last quarter. That means for most people, the bank or mortgage company would own a greater share of their home than they do. However, statistics from a national survey conducted by Ohio State University show that homeowners are doing better, with about 70 percent equity in their homes. The discrepancy may be because the Fed report fails to account for homeowners who have fully paid for their home and thus have ...
A home buyer or builder can obtain financing (a loan) either to purchase or secure against the property from a financial institution, such as a bank , either directly or indirectly through intermediaries. Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan, and other characteristics can vary considerably. In many countries, though not all ( Iran and Bali, Indonesia are two exceptions), it is normal for home purchases to be funded by a mortgage loan. Few individuals have enough savings or liquid funds to enable them to purchase property outright. In countries ...
All About Homeowner Equity Loans |
of what your house is worth. If your home has already been paid off, then it would be considered a mortgage. If you were still making payments on your home then it would be considered a second mortgage. A home equity loan is a loan that you take out on your house adding to your mortgage. This lets you get into your equity and get cash without having to refinance your first mortgage. A lot of people think that the only way to get cash would be to sell their homes. In reality you can actually take money out of the equity , and free it all up without actually having to leave your home. Value The difference in the amount that you ... market research, surveys and trends
Some Common Mortgage Loan and Finance Terms Explained ...
The common terms used to describe a mortgage involve the “creditor,” the “debtor,” and “mortgage broker.” It may be self-explanatory as to what those terms mean, but there are other terms involved with a mortgage as well that a homeowner may not be completely familiar with. Let’s cover some of them here: Creditor The creditor is the financial institution, typically a bank, who provides the money in the form of a loan for the mortgage amount. The creditor is sometimes referred to as the mortgagee or lender. Debtor The debtor is the person or party who owes the mortgage or the loan . They ... market research, surveys and trends


Homeowner Stimulus Making Home Affordable -
The House of Representatives overwhelmingly passed provisions to help consumers take advantage of increased mortgage market credit, stabilize the housing market and help homeowners refinance out of bad loans.  The legislation, passed as part the economic stimulus package, will allow the Federal Housing Administration (FHA) and the Government Sponsored Enterprises (GSE) of Fannie Mae and Freddie Mac to temporarily increase their loan limits to serve a greater number of areas of the country. WASHINGTON, Feb. 18 -- U.S. President ... industry trends, business articles and survey research
Foreclosure Prevention Options Memo
A Comprehensive $75 Billion Homeowner Stability Initiative ... families have seen their mortgage payments rise to 40 or even 50 percent of their .... and Urban Development and the Federal Housing Finance Agency to ensure that the ... industry trends, business articles and survey research
Doubling Down on Housing
Dow Jones Reprints: This copy is for your personal, non-commercial use only. To order presentation-ready copies for distribution to your colleagues, clients or customers, use the Order Reprints tool at the bottom of any article or visit WEEKEND INVESTOR JULY 24, 2010 The housing crash has left at least 11 million people in the unenviable position of owing more on their homes than they are worth—and many more millions with properties worth far less than they paid for them. But some might not be as trapped as they think. Record-low mortgage rates and a new slump in home prices are presenting unusual ... market trends, news research and surveys resources
Green Energy Financing Faces Federal Roadblock
An innovative financing scheme designed to help homeowners afford to make their homes greener and more energy efficient could be in trouble. The Federal Housing Finance Agency recently announced that it would not support Property Assessed Clean Energy (PACE) finance programs, like one set to launch for Oakland residents later this year. Under the PACE scheme, local governments provide financing to property owners for green energy work—such as installing solar panels and energy-efficient windows. The owner pays the money back as a line item on their property tax bill. Alameda County was set to offer PACE financing in the ... market trends, news research and surveys resources


Homeowner's Information Packet
However, Chase Home Finance LLC still has the right under the Mortgage to foreclose ... D Proof of payment of Homeowner's Association Fees (if applicable) ... technology research, surveys study and trend statistics
Energy Efficient Mortgage Homeowner Guide - HUD
means comfort and savings. When you are buying, selling, refinancing, or remodeling your home, you can increase your comfort and actually save money by using the Energy Efficient Mortgage (EEM) . It is easy to use, federally recognized, and can be applied to most home mortgages. EEMs provide the borrower with special benefits when purchasing a home that is energy efficient, or can be made efficient through the installation of energy-saving improvements. Home owners with lower utility bills have more money in their ... technology research, surveys study and trend statistics
  1. profile image candacedhelton Short finance lender reduces principal of mortgage to enable homeowner to refinance with another lender
  2. profile image Swampdollar Remortgages And Homeowner Loans Used For Debt Consolidation Leave ...: Debt consolidation is something that makes ...
  3. profile image eraseyourdebt Remortgages And Homeowner Loans Used For Debt Consolidation Leave ...: Many often consider how much cash can be sa...
latest webinars
  1. Webinar: Mortgage Lending Regulations
  2. PACE Lien Seniority
Join these Webinars to learn more about current research, trends and surveys.
WAMU/CHASE homeowner mortgage assistance? - Yahoo! Answers
Is there anyone out there currently working with Chase to assist homeowners with mortgage payments.. I have looked at the on-line form on the WaMU site, to give info to Chase to see if I qualify. I have 2 immediate questions. These options are offered to borrowers who live in the property . I leased my house 2 months ago and moved I to a less expensive property , I continued to fall behind on payments and this seemed to be my only option, not wanting to lose my home. I have about $85,000 equity currently. I don't make a profit, I collect rent for the same amount as my loan. I still need help, instead of walking away ...
Are there any limits on the amount of deductible for homeowner's ...
Currently my homeowner's policy has the deductible set at 1% of the rebuild value of the home. To lower my premium I'd like to increase the deductible to 2 or even 3%. Is there any limit to how high I can go? And if so, who sets that limit? The law? The insurance company? My mortgage lender? The home is in California and it's currently being rented out, if that makes a difference. posted January 3, 2007 in Personal Real Estate | Closed Share This Strategic Account Executive at Linkedin Corporation see all my answers This was selected as Best Answer Brandon, I own several rentals, based on my experience this is ...