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Bailout: Will It Help Restore Real Estate Consumer Confidence?
November 25th, 2008 2:29 PM by Lehel Szucs
Bailout: Will It Help Restore Real Estate Consumer Confidence?
What industry pundits had been referring to as a correction in the housing market became a full-blown crisis of global proportion this past September when the closings of veteran financial institutions, combined with climbing unemployment and foreclosure rates, triggered a $700 billion government bailout-a costly tourniquet used during the triage of the American economy. A few short weeks later, most Americans-especially real estate professionals and consumers-are left struggling to comprehend exactly how The Emergency Economic Stabilization Act will help us. Will it keep homeowners in their homes and unfreeze the credit markets to facilitate home buying? Will it restore the real estate consumer confidence that is so desperately needed?
Time Will Tell
According to President George W. Bush, the historic bill that was signed into law on October 3, 2008, will take time to effect change-many liken it to waiting for a medicine to start reversing an illness. And, while there is no definitive plan yet that outlines exactly how the bailout bill will help (at press time), the government insists that the plan will not only buoy Wall Street but Main Street as well.
"Exercising the authorities in this bill in a responsible way will require a careful analysis and deliberation. This will be done as expeditiously as possible, but it cannot be accomplished overnight. We'll take the time necessary to design an effective program that achieves its objectives-and does not waste taxpayer dollars," said President Bush at a press conference held shortly after the bill was passed.
According to most economists and experts, the $700 billion financial industry bailout could make a recession shallower, and potentially even shorter, but it won't stop the economic and housing downturns in their tracks.
NAR Chief Economist Lawrence Yun explained that the principal goal of the bill is to unclog the financial pipelines so most Americans, the primary investors in the program, can begin borrowing again.
"Knowingly or not, the 75 million homeowners and 100 million taxpayers have now become the key stakeholders on the side of housing market recovery," says Yun.
"This bill is likely to go through a few changes, and a new administration and Congress in January will make a lot of changes that we can't foresee right now," says Dave Liniger, co-founder and chairman of the board of RE/MAX Int'l. "But if our legislators listen to the consumer and create legislation that is truly responsive, I think it has a very good chance of having a positive impact on our industry."
According to Carter Murdoch, SVP, marketing and compliance executive, Realtor-Builder Mortgage Services Group, Bank of America, the bailout is just the first step, "priming the pump" to help restore overall confidence in the financial markets. "The reality is, the liquidity crunch will take a minimum of six months, possibly more than two years to shake out," he adds.
"I liken this to a hurricane," says Bob LeFever, former president and COO of Coldwell Banker's Southern California division and current president and CEO of consulting firm The LeFever Group. "First comes the wall of water. Then the eye of the hurricane comes over-the eye of the hurricane is the government stepping in with a $700 billion package. Now the aftermath is coming. This mess ain't going to get cleaned up in 72 hours."
Letting the Government In
The terms of The Emergency Economic Stabilization Act (see plan highlights on page 128) authorize the federal government to buy billions of dollars in bad mortgages and other debt, taking the troubled loans off the books of financial firms. The bill contains broad language requiring the Treasury Department to develop a plan to "mitigate" foreclosures, and also requires federal agencies to encourage mortgage companies to modify the loans of borrowers in danger of foreclosure.
While the details of exactly how this particular part of the plan will be carried out remain undetermined, the real estate industry, and homeowners across America, remain uneasy about government's hand in housing-but for now, can only conclude it's a good thing.
"The government should get more involved; the rescue plan is the start of that," says Harley Rouda, CEO & managing partner of Columbus, Ohio-based Real Living. "Mortgage terms should be reset with the original holders. However, the execution and perimeters set is critical."
Patricia Hoferkamp, president and COO of Burgdorff ERA in Central and Northern New Jersey, believes that "the government should turn this over to those who do it best-the real estate industry. We need a system of checks and balances between the banks and the real estate industry. We need to reach out to our industry leaders, come up with a plan and then boil it back down to the local level."
Will Confidence Return?
As Michael Levitin, 2008 chairman of the Houston Association of Realtors, says, "People are going to have to feel that the country has optimism and a solution. To get consumers back to real estate, change has to happen and there has to be a plan for that."
According to most politicians, the bailout bill is designed to do just that-restore confidence in the country's economy, an occurrence that would have a far-reaching impact on industries across all markets, especially real estate. But can the bill really deliver on that promise?
"Given the fact that we do have a crisis of confidence today, the passage of the bill at least starts the process at the macro level of bringing renewed stability and confidence to the market," believes Ron Peltier, chairman and CEO of Minnesota-based HomeServices of America. "Early indicators are not suggesting that it was a knock-out blow in accomplishing that renewal of confidence in the marketplace and the economy, but as time passes in the next few weeks (at press time), we will see a calming effect and people will begin to have confidence again."
Alex Perriello, president and CEO of the Realogy Franchise Group, concurs that real estate confidence may emerge as a byproduct of the bill. "The only thing that will help restore consumer confidence in housing right now will be rising home prices," says Perriello. "The only way that will occur is when current inventory levels are reduced, which in turn, requires the availability of mortgage financing to qualified buyers. In that regard, the bill should be helpful, but don't expect a miracle any time soon. This will take time."
According to Gino Blefari, founder, president & CEO of Cupertino, California-based Intero Real Estate, consumer confidence is inextricably tied to job security-something that's hard to come by for many Americans these days.
"People are now afraid for their jobs," Blefari explains. "Consumers are just not confident in anything. We'll have to wait and see how the country reacts to the bailout once things start to happen and the election is over (at press time)."
"The bailout will help restore confidence in the market, but there are some caveats," adds Martha Hayhurst, president and CEO of Atlanta-based Harry Norman Realtors. "We still have an election (at press time) and a financial crisis on a global scale, for starters. When you add that to an already-shaken consumer, the result is home buyers sitting on the sidelines."
Bringing the Bailout Home
According to Rei Mesa, president of Prudential Florida Realty, it is now more critical than ever for real estate professionals on the front lines dealing with consumers to be as informed as possible. "We're looked upon by consumers as individuals who provide guidance," says Mesa, "and, quite frankly, stay engaged. It's now a requirement to stay informed."
Perriello says that discussing options with clients is essential for real estate brokers and agents, especially in the face of the overwhelmingly negative media messages and confusion over the bailout.
"I suggest we talk about the here and now and not what the bailout 'may' mean sometime in the future," says Perriello. "Now that the federal government controls Fannie Mae and Freddie Mac, in addition to FHA and VA, these traditional sources of mortgage funding are still readily available with expanded loan limits set earlier this year. The financial news media would lead people to believe that unless your last name is Rockefeller, you won't be able to get a mortgage, which is factually incorrect and a gross misrepresentation of the current mortgage market."
Liniger advises that real estate professionals "play the hand" they've been dealt. "I think it's important that real estate professionals focus on being productive in this market," he says. "Sellers either need to price their home right or consider staying off the market right now. And buyers should take advantage of the high inventory and lower prices."
The Industry's Role, Path Forward
While the country's focus is on the here and now, real estate professionals need to keep an eye toward the future while digging through the situation at hand.
What can we learn, path forward? Peltier says the real estate industry of tomorrow needs to be better based in reality.
"We have to return to a period with legitimate controls on the mortgage industry," he explains. "Mortgage markets were creatively coming up with products to fuel the appetite of the speculative investor mindset. We need to return to more normal lending standards and more normal purchase standards and requirements."
Throughout it all, belief in the strength of the real estate industry and its leadership perseveres.
"Real estate leads us into these situations and leads us out," says Hayhurst. "I think as good stewards of our industry, it's our job to get people back to work. The resiliency of the American people is strong. They are just waiting for one green light and they'll start buying homes again." RE
-Maria Patterson, Stephanie Andre, Kayla O'Brien, John Voket
How Did We Get Here? The making of a bailout
Banks and mortgage companies take bigger risks in home lending by allowing homeowners to borrow more, put little or no money down, and not provide proof of financial condition.
February 7
HSBC announces that it will see larger-than-anticipated losses from rising defaults of subprime mortgages in the U.S., the first major bank to make an announcement about rising losses. While the announcement doesn't gain much attention, subprime mortgages soon become a watch word along Wall Street and in financial news.
April 2
New Century Financial, one of the nation's largest subprime mortgage lenders, seeks bankruptcy protection. The trouble spreads to major Wall Street firms, such as Merrill Lynch, JPMorgan Chase, Citigroup and Goldman Sachs, which had loaned the firm money.
June 22
In the biggest rescue of a hedge fund since 1998, Bear Stearns pledges up to $3.2 billion in loans to bail out one of its hedge funds that was collapsing because of bad bets on subprime mortgages.
August 16
Countrywide Financial-the largest mortgage lender in the U.S.-draws down $11.5 billion from its credit lines because it can't afford to sell or borrow against the home loans it has made.
August 31
President Bush announces a plan to use the Federal Housing Administration, which insures loans for low-income borrowers, to offer government-guaranteed loans to around 80,000 homeowners in default.
September 18
For the first time in four years, the Federal Reserve cuts interest rates by 0.5 percentage points, lowering the interest rate from 5.25% to 4.75%. Over the next eight months, interest rates will fall from 5.25% to 2%.
February 13
The Economic Stimulus Act is signed into law, allowing for tax rebates to be paid to low and middle income U.S. taxpayers. The bill also includes tax incentives that will be used to stimulate business investment.
March 16
Bear Stearns is sold to JPMorgan Chase for $2 a share-less than one-tenth the firm's market price two days before.
April 30
Interest rates reach a low of 2%.
July 11
The FDIC takes over IndyMac, a California bank that had been one of the leading lenders that made home loans to people who did not provide proof of their income. IndyMac is the first major bank to shut its doors since the mortgage crisis began.
September 7
The Bush administration takes control of Fannie Mae and Freddie Mac in an attempt to shrink their outsized influence on Wall Street and Capitol Hill, while at the same time, counting on them to pull the nation out of the worst housing crisis in decades.
September 14
Merrill Lynch is sold to Bank of America for roughly $50 billion to avert a deepening financial crisis.
September 15
Lehman Brothers files for bankruptcy protection after it fails to find a buyer. This is the largest bankruptcy filing in U.S. history.
The Dow Jones industrial average falls 504 points, the index's worst loss since the 2001 terrorist attacks.
September 16
The Federal Reserve agrees to an $85 billion emergency loan to rescue American International Group (AIG).
September 18
The Treasury and Federal Reserve began discussions on what may be the biggest financial bailout in U.S. history. Reports of the discussion send stocks soaring, with the Dow rising 410 points.
September 20
The Bush administration formally proposes a bailout plan that would allow the government to buy bad mortgages and other forms of toxic debt that have been weighing down U.S. financial companies at a cost of up to $700 billion.
September 21
The Federal Reserve announces that Goldman Sachs and Morgan Stanley would transform into bank-holding companies that would be subject to greater regulation.
September 25
Congressional negotiations on the bailout breakdown. Conservative House Republicans say that the plan would be too costly for taxpayers as well as an unacceptable federal intrusion into private business.
September 26
Washington Mutual becomes the largest thrift failure with $307 billion in assets. JPMorgan agrees to pay $1.9 billion for the banking operations, but doesn't take ownership of the holding company.
September 28
House Speaker Nancy Pelosi and Treasury Secretary Henry M. Paulson Jr. announce a tentative deal on a bailout plan.
September 29
The Emergency Economic Stabilization Act that has been proposed is defeated 228-205 in the U.S. House of Representatives. The Dow Jones industrial reacts by plunging 778 points.
Wachovia's banking operations are sold to Citigroup.
October 1
The Senate passes a revised bailout plan. The new package contains $110 billion in tax breaks for businesses and the middle class, plus a provision to raise the cap on federal deposit insurance from $100,000 to $250,000. This puts pressure on the House to reverse course and approve a new plan after rejecting a similar proposal.
October 3
After two weeks of debate, the House gives final Congressional approval to the revised
$700 billion bailout plan. The historic plan is signed into law by President Bush less than an hour after being approved by the House of Representatives.
Wells Fargo agrees to buy Wachovia, stunning Citigroup, which had agreed to buy Wachovia four days earlier.
October 6
The Dow falls as much as 800 points before a late recovery, finishing down 369.88-and below 10,000 points for the first time since 2004.
October 8
Acting in coordination with other central banks around the world, the Federal Reserve cuts interest rates by 0.5 percentage points to 1.5% as the financial crisis deepens.
The Federal Reserve agrees to provide insurance giant American International Group (AIG) with an additional loan of up to $37.8 billion, on top of the $85 billion loan made to the troubled company one month earlier.
October 9
The Bush administration takes part ownership in certain U.S. banks as an option for dealing with the credit crisis. The $700 billion bailout passed by Congress allows the Treasury Department to inject fresh capital into financial institutions and get ownership shares in return.
As investor confidence falls further, the Dow Jones falls 679 points, closing below 9,000 for the first time since the summer of 2003.
Citigroup walks away from deal to purchase Wachovia.
October 13
The Federal Reserve approves Wells Fargo's $11.7 billion acquisition of Wachovia.
-Paige Tepping
Headed Toward Housing
Using authority granted in the $700 billion bailout plan, at press time, the Treasury Department began moving on five fronts:
- Purchasing troubled mortgage-backed securities
- Buying mortgages, particularly from regional banks
- Insuring mortgage-backed securities and mortgages, ensuring banks and investors don't lose money if borrowers default
- Purchasing equity in a broad array of financial institutions
- Helping delinquent borrowers stay in their homes
Making Sense of The Bailout Bill
At nearly 500 pages, The Emergency Economic Stabilization Act is difficult for most Americans to comprehend. While the bill stands to morph as the new administration settles in, here are some of the highlights of the financial rescue portion of the bill as passed in its original format:
-Provide the government an equity stake, through non-voting or preferred stock, in companies that are unloading bad assets. If these companies go bankrupt, these warrants convert to a type of debt that places the government at the head of the list of creditors in any bankruptcy proceeding.
-Give the Treasury Secretary broad discretion to buy virtually any distressed asset in an effort to get it off the books of a troubled bank or financial firm and help unclog the credit markets. This is called the Troubled Assets Relief Program, or TARP.
-Provide $250 billion immediately to purchase mortgage-backed securities and other troubled assets, another
$100 billion with the president's authorization and the remaining $350 billion would be subject to separate congressional approval.
-Give the Federal Deposit Insurance Corp. the ability to borrow without limit from the Treasury to help stabilize banks it regulates.
-Allow the FDIC to raise deposit insurance to $250,000 from the current $100,000. This affects the sum of deposits, not each account, in a depositor's name at any given bank.
-Require the comptroller general to monitor and evaluate TARP's performance, whether it is helping to prevent foreclosures, or providing stability in financial markets and protecting taxpayers. The Government Accountability Office (GAO) will have the authority to order corrections in the TARP effort.
-Order the comptroller general, the nation's chief auditor, to report back to Congress by June 2009 on whether the government should curtail the ability of banks and others to invest with borrowed money.
-Create a special inspector general for the TARP program to supervise and audit the purchase of distressed mortgages and other bad assets.
-Raise the nation's debt ceiling to $11.3 trillion.
-Reaffirm that the Securities and Exchange Commission (SEC) has the authority to suspend an accounting rule that some critics think has exaggerated the deflated prices of the toxic mortgage bonds at the heart of the financial crisis. This also is called fair-value reporting, and it was implemented after the Enron scandal to discourage reporting of inflated prices.
-Limit tax write-offs for executive compensation above $500,000 for companies that sell distressed assets to the government.
-Prohibit "golden parachutes" for executives of firms that are selling assets directly to the government.
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Posted by Lehel Szucs on November 25th, 2008 2:29 PM
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Delinquencies Rise, Foreclosures Fall in Latest MBA Mortgage Delinquency Survey
Mortgage delinquencies rise for second quarter in a row
Shadow inventory improves but still threatens housing recovery
omebuyers Hunker Down as Housing's Drag on Economy May Worsen
Fixing the Housing Crisis Would Create One Million Jobs Annually
7 Reasons Why Now Is a Great Time to
Market Snapshot (8/26/2011)
Market Snapshot (8/25/2011)
Market Snapshot (8/24/2011)
Market Snapshot (8/23/2011)
Home sales dropped 3.5% in July, hit 2011 low
State home prices, sales still looking for floor
Market Snapshot (8/22/2011)
Weekly Preview (8/21/2011)
County's median home price up 5.2%
Short Sales: Are They Worth the Trouble?
Fully excused second-lien mortgages spike in June
Market Snapshot (8/19/2011)
Market Snapshot (8/19/)
Market Snapshot (8/18/2011)
Market Snapshot (8/17/2011)
July home sales in Southern California fall 4.5% from a year earlier
Market Snapshot (8/16/2011)
Market Snapshot (8/15/2011)
Weekly Preview (8/15/2011)
Market Snapshot (8/11/2011)
Market Snapshot (8/10/2011)
What the debt downgrade means for your mortgage
Fannie Mae survey shows more Americans consider renting
U.S. Downgrade: How Will It Impact Housing Fundamentals?
Housing recovery slips out of sight
Ocwen Financial expanding program for underwater borrowers
California to suffer housing shift
Market Snbapshot (8/9/2011)
Distressed BofA borrowers in Calif. now have chance of principal reduction
Home Listings Fall but Woes Persist
Bulldoze: The New Way to Foreclose
Paying for Title Insurance
More Headwinds for the Housing Market?
Mortgage deduction could be trimmed
FHA Housing Price Index Report
Market Snapshot (8/8/2011)
Weekly Preview (8/72011)
The Power To Build a Life
Distressed BofA homeowners in Calif. now have chance of principal reduction
Market Snapshot (8/5/2011 (2))
Market Snapshot (8/5/)2011
Market Snapshot (8/3/2011)
Market Snapshot (8/2/2011)
Market Snapshot (8/1/2011)
Weekly Preview (7/31/2011)
July 2011
Are We Having Fun Yet?
Short sales, long waits: Buyers and sellers find process frustrating
Sellers Who Bought Post-Bubble Guilty of Overpricing Homes; More Likely to Base Asking Price on Original Purchase Price, Rather Than Current Market Conditions
Market Snapshot (7/29/2011)
Market Snapshot (7/28/2011)
Market Snapshot (7/27/2011)
Market Snapshot (7/26/2011)
Market Snapshot (7/25/011)
Weekly Preview (7/24/2011)
The Habits of Motivation and Success
The Daily Habits of Success
Mortgage Rates Are Great, If You Qualify
Credit Unions Join the Fray
Secrets to getting a mortgage with so-so credit
Foreclosures gone wrong can haunt homeowners
Investors to the rescue of housing market
Bank's Deal Means More Will Lose Their Homes
Riskier Loans Make a Comeback, as Private Firms Take the Field
California foreclosure starts fall to lowest level in four years
Homeownership Boom and Bust 2000 to 2009: Where Will the Homeownership Rate Go from Here?
Market Snapshot (7/22/2011)
Market Snapshot (7/21/2011)
New law gives added protection to short sale hopefuls
Mortgage documents continue to be 'robo-signed'
Home loan modification hard to get, report says
Foreclosures plunge in first half of 2011
Overcharged Countrywide Homeowners to Get Refund
Fed hits Wells Fargo with $85 million fine
Market Snapshot (7/20/2011)
Market Snapshot (7/19/2011)b
Market Snapshot (7/19/2011)
Market Snapshot (7/18/2011)
Weekly Preview (7/17/2011)
Market Snapshot (7/13/2011)
Market Snapshot (7/12/2011)
FHA gives jobless homeowners one-year break
Renters See Prices Skyrocket
U.S. Consumer Bureau Plans to Write Rules for Mortgage Servicers
Buffett: GOP Threatening To 'Blow Your Brains Out' Over Debt Ceiling
Are Distressed Home Sales Misleading The Public?
market Snapshot (7/11/2011)
Market Snapshot (7/7/2011)
Bill proposes merger of Fannie and Freddie
Market Snapshot (7/6/2011)
New loan limit would hurt home sales
The tax man doesn't want housing to recover
Market Snapshot (7/5/2011)
Weekly Preview (7/4/2011)
The Year of Going Goal-Less
Can Positive Thinking be Bad for You?
Market Snapshot (7/1/2011)
Market Snapshot (6/30/2011)
June 2011
Market Snapshot (6/29/2011)
Market Snapshot (6/28/2011)
Market Snapshot (6/27/2011)
Weekly Preview (6/26/2011)
Noah's Ark Everything I need to know, I learned from Noah's Ark .
Market Snapshot (6/24/2011 b)
Debunked foreclosure myths
Market Snapshot (6/23/2011)
Market Snapshot (6/22/2011)
HUD releases unemployment mortgage assistance to 27 states
Market Snapshot (6/21/2011)
Market Snapshot (6/20/2011)
Weekly Preview (6/19/2011)
More loan servicers added to $2B mortgage-aid program
Short sales frustrating, but better than foreclosures
California sales, prices sag in May
9 Reasons to Say "No" to Credit
Great Expectations Make Great Lives
Homes, firms can sell solar surplus to utilities
California Foreclosures - Foreclosure Listings and Trends May 2011
California Homes May sales and price report
California Foreclosures - Foreclosure Listings and Trends May 2011
Obama Administration Releases May Housing Scorecard Featuring New Making Home Affordable Servicer Assessments, Regional Spotlight On Phoenix Housing Data
California to suffer housing shift, UCLA forecasters say
Market Snapshot (6/16/2011)
Michigan county approves funding to help homeowners fight MERS, DocX cases
Los Angeles, fighting blight, goes after Deutsche Bank
Market Snapshot (6/15/2011)
Market Snapshot (6/24/2011)
Declining home equity has ripple effect
Foreclosure myths, debunked
Market Snapshot (6/13/2011)
Weekly Preview (6/12/2011)
Create Your Own World Class Life:
Homeowners in California have until July 1 2011 to install carbon monoxide (CO) detectors in their homes in order to comply with a new state law.
Market Snapshot (6/10/2011)
Market Snapshot (6/9/2011)
Gov't faults 3 lenders over mortgage-aid efforts
Potential Changes to FHA Single-Family Loan Limits beginning October 1, 2011 from Implementation of the Housing and Economic Recovery Act of 2008
Real Estate Investors Set to Become More Active
CoreLogic Releases 2011 Short Sale Research Study
National Home Prices Hit New Low in 2011 Q1 According to the S&P/Case-Shiller Home Price Indices
Will boomers and 20-somethings carry housing recovery?
Walk away from your mortgage? Time to get 'ruthless'
Fannie Mae and Freddie Mac Foreclosure Prevention Actions Dip in First Quarter; HARP Refinancings Continue Increase
Fewer homeowners are underwater on mortgages
Our View: Fixing mortgages is key to recovery
Wells Fargo to hold home preservation workshop
Market Snapshot (6/8/2011)
'Patriotic Millionaires' Describe What They've Done With Their Bush Tax Cuts
Harvard: Real estate recovery hinges on return of demand
Suburbs Being Reshaped by Lack of Kids
Why it's time to buy
Market Snapshot (6/7/2011)
Economic 'recovery' leaves jobs behind
An old mortgage scam aims to hijack a payment or two
Short sales may be targeted for fraud
Market Snapshot (6/6/2011)
Weekly Preview (6/5/2011)
Focus on What You Can Control
Market Snapshot (6/3/2011)
Home loan rates fall, but so does mortgage demand
Nation's housing market still hurting
Home clearance sale coming from 'desperate' sellers
Foreclosure victims not all deadbeats, report says
Home prices: 'Double-dip' confirmed
Banks Hit Hurdle to Foreclosures
Short sales getting faster
Market Snapshot (6/1/2011)
Leaving North Las Vegas no option for many 'underwater' homeowners
Pending home sales plummet in April
Homes prices hit new lows in March
May 2011
MERS Impacted Foreclosures in Michigan
Market Snapshot (5/31/2011)
Weekly Preview (5/30/2011)
When the Student is Ready
one of our favorite garden stores is having a great sale this weekend
Market Snapshot (5/27/2011)
California investigates Florida firm that processes foreclosures for major banks
Significant Declines in 90+ Day Delinquencies and Foreclosures in Latest MBA National Delinquency Survey
California home sales decline in April; median home price increases
Market Snapshot (5/26/2011)
Market Snapshot (5/25/2011)
Voluntary "Check Before You Burn" Program Becomes Mandatory in Winter 2011/2012
mARKET sNAPSHOT (5/24/2011)
California creating mortgage fraud task force
Market Snapshot (5/23/2011)
Weekly Preview (5/22/2011)
I've Had It With Gloom and Doom!
"Summerize" Your Home
Market Snapshot (5/20/2011)
Freddie Mac launches promotion to sell its foreclosed homes
No housing recovery until 2014?
Home sellers are financing buyers with poor credit
Fixed mortgage rates touch new lows for 2011
3 Financial Reasons to Buy Now
New consumer bureau proposes simplified mortgage disclosure forms
Why are short sales so long and drawn out?
NY probe seeks mortgage records, official says
New York attorney general seeks records from 3 Wall Street banks in probe of mortgage crisis
Tell Congress 20 percent down payments put homeownership out of reach
House GOP Unveils Bills To Speed Closure of Fannie, Freddie
Bill Sets Up Private Firms To Back Mortgages
Market Snapshot (5/19/2011)
Market Snapshot (5/16/2011)
Market Snapshot (5/15/2011 - Weekly Preview)
Foreclosure rate slows as repossession timeline lengthens
Are we facing the end of the 30-year fixed-rate mortgage?
April home sales in Southern California hit three-year low for the month
Market Snapshot (5/12/2011)
Market Snapshot (5/11/2011)
Market Snapshot (5/10/2011)
Debt doesn't go away when lender writes it off
Good-faith estimate disclosures ineffective in helping consumers shop for mortgages
Market Snapshot (5/8/2011 - The Week Ahead)
Rental Costs Are About to Takeoff
California bill ending 'dual track' foreclosures faces key vote
Fed Proposes Minimum Standards for Home Loans
Market Snapshot (5/7/2011)
BofA to open more outreach centers for delinquent homeowners
U.S. sues Deutsche Bank over mortgage approvals
Fannie Mae and Freddie Mac to Align Guidelines for Servicing Delinquent Mortgages
Misinformation about Interest Rates, Lender Fees and FHA Loans Can Lead Buyers to Make Costly Mistakes, According to Zillow Mortgage Marketplace Survey
April 2011
Home price gains since spring 2009 vanish
New-home sales rise in March after weak winter
FHA mortgages may still beat loans available from private-sector rivals
Multifamily construction ramps up
Home buyers try to beat "jumbo" loans squeeze
Market Snapshot (4/26/2011)
Fewer California homeowners received default notices in first quarter
Investors drove home sales up 3.7% in March
Report: Distressed properties now a smaller share of sales
Foreclosures still an issue
Market Snapshot (4/21/2011)
Market Snapshot (4/20/2011)
Revved Up Gas Prices
Market Snapshot (4/19/2011)
Market Snapshot (4/18/2011)
Market Snapshot - Weekly Preview (4/17/2011)
Confidence in value of homeownership persists through bust, survey shows
The disconnect between buyers, sellers
Good foreclosure data can be found here
Review the latest California foreclosure trends
Banks, regulators act to correct foreclosure flaws
Americans doing more home improvement projects
Homeowners aren't doing as much as they think to save energy
Changes in mortgage finance rules could hurt housing recovery
Are you getting your money's worth with appraisal?
Banks are foreclosing while homeowners pursue loan modifications
Real Estate: It's Tiem To Buy Again
Real Estate Market Update And Opinion (4/17/2011)
Go Boldly Forward
Market Snapshot (4/11/2011)
Market Update (4/10/2011)
Southern California rents are likely to remain flat, study says
Nonbank Lenders Staging a Comeback
plant a Spring Garden
Federal Housing Administration (FHA)Consumer FAQ's Under a Shutdown
Market Snapshot (4/8/2011)
Are you insured for the Big One?
Tax changes for health insurance buyers, home buyers and the unemployed
More people signed contracts to buy homes in Feb.
Fannie Mae Launches "Las Opciones de los Casas" to Educate and Empower Homeowners
What a Government Shutdown Means in Real Estate
California Mortgage Aid
Amid bailouts, banks spent big to thwart foreclosure legislation
California expands its foreclosure relief effort
Retail economists expect slow start to spring
Mortgage Market Snapshot (4/7/2011)
How to Live a Truly World Class Life
Market Snapshot (4/5/2011)
Buying a First Home
Home prices near a double dip
Casual comments can cost a home buyer or seller
'Shadow inventory' of 1.8 million homes could prolong housing slump
Talks to settle foreclosure probes could take months
Consumers still pay credit cards before mortgages
Demographer sees surge of interest in renting rather than buying a home
good site for general short sale information
Research looks at how mortgage delinquencies affect scores
Proposed settlement would force banks to allow short sales for delinquent homeowners
Home prices nearing new lows
March 2011
Market Snapshot (3/27/2011)
Distressed home sales rising
Housing Inventory Increases, Listing Prices Fall
New home sales tumble to record low
Are buyers turning away from new homes in weak markets?
Mortgage mod test becomes clearer
The Power of Your Performance Systems
How Could You Achieve More and Do It Faster?
Market Snapshot (3/24/2011)
Home resales fall 9.6% in February and prices are near 9-year low
Market Snapshot (3/23/2011)
Market Snapshot (3/22/2011)
Is quake insurance worth the cost?
Southern California housing market is flat in February
California home sales decline in February as market adjusts to post-foreclosure freeze environment
Recent cases regarding MERS
Market Snapshot (3/21/2011)
Market Snapshot - Weekly Preview (3/20/2011)
Market Snapshot (3/18/2011)
Four Secrets of Consistent Winners
The New Science of Success!
A Red Flag on Reverse Mortgages
More Loan-Modification Options for the 'Underwater'
Passing the test on canceled mortgage debt has tax rewards
California housing market slump persists through February
Home prices drop in February
Just Listed! 15198 Overlook Pl Fontana, CA 92336
Just Listed! 39324 Jacob Dr Palmdale, CA 93551
Just Listed! 37259 105th st Littlerock, CA 93543
Market Snapshot (3/16/2011)
Market Snapshot (3/15/2011 B)
Market Snapshot (3/15/2010)
Market Snapshot (3/14/2011)
a movie to brighten your day
The Top 10 Tools For Effective Listening!
Flawed short sale process clogging market
Foreclosure activity drops sharply nationwide
Without Loan Giants, 30-Year Mortgage May Fade Away
FHA Powers What's Left of the Home Market
New Rules for First-Time Home Buyers
Market Snapshot (3/11/2011)
Market Snapshot (3/9/2011)
banks make short sales difficult
Mortgage Rates (3/8/2011)
Market Snapshot (3/8/2011)
First-time buyers turn fussy about 'move-in ready' homes
Survey: Gloomy Views Persist on Housing, Economy
Mortgage servicing errors highlight need for
California program offers rebates for making energy-efficient improvements
Regulators Push 20% Down Payments on Homes
Only 1 in 4 Got Mortgage Relief
Getting a Mortgage Before the Door Shuts
Why 2011 May Be the End of the Housing Crash
Five Signs That Say 'Buy'
Mortgage Rates (3/7/2011)
Market Snapshot (3/7/2011)
Mortgage Rates (3/6/2011 - The Week Ahead)
How to Thrive in Changing Times
Home Values Decline in Fourth Quarter
Fannie Mae's Latest National Housing Survey
Mortgage Rates (3/4/2011)
Mortgage Rates (3/3/2011)
Systems Beat Goals, Every Time!
Mortgage Rates (3/2/2011)
Mortgage Rates (3/1/2011)
Mortgage Rates (2/28/2011)
Mortgage Rates (2/247/2011- The Week Ahead)
February 2011
Federal programs can help homeowners avoid foreclosure
California foreclosures 44 percent of 2010 home sales
Market Snapshot (2/28/2011)
How to Stay Motivated, All the Time!
Mortgage Rates (2/25/2011)
BofA's legal woes from Countrywide worse than expected
Experian adds rent payments to credit reports
Mortgages in foreclosure process hit record
Mortgage Rates (2/24/2011)
Homeownership loses its luster
Home prices hit post-bust lows in most big cities
California pending home sales rise in January
Increased foreclosure sales are seen on the courthouse steps
National Home Prices Are Close to the 2009Q1 Trough According to the S&P/Case-Shiller Home Price Indices
Short-term Delinquencies Fall to Pre-Recession Levels, Loans in Foreclosure Tie All-Time Record in Latest MBA National Delinquency Survey
Mortgage Rates (2/23/2011)
Mortgage Rates (2/22/2011)
Mortgage Rates (2/20/2011 - the week ahead)
Banks to be penalized for mishandling foreclosures, a regulator testifies
Leadership Lessons from Green Day
Mortgage assistance programs help people through patches of unemployment
Mortgage Rates (2/18/2011)
Southern California home sales at lowest level for a January in three years
January sales and price report for California
Tax Credit Hangover Continues as Home Values Drop, Negative Equity Rises in Fourth Quarter
CalHFA Announces Full Implementation of $2 Billion Effort to Assist Homeowners Struggling to Remain in Homes
Home Buyers to Put Down More Cash
Banks Push Home Buyers to Put Down More Cash
30% of mortgages are underwater
Foreclosures are falling - but it's a fake out
Mortgage Rates (2/17/2011)
Mortgage Rates (2/16/2011)
Mortgage Rates (2/15/2011)
Mortgage Rates (2/14/2011)
Now may be the time to buy a home
Builders put welcome mat out for retiring baby boomers
Rising construction costs could boost new-home prices soon
Mortgage Rates (2/13/2011 - The Week Ahead)
Top 10 Secrets to Achieving Any Goal
Escaping the Matrix
Mortgage Rates (2/10/2011)
Mortgage Rates (2/11/2011)
California plans $2-billion program to help distressed homeowners
Fourth-Quarter Shadow Inventory Update: Drop In Liquidations, Stable Cure Rates Indicate Increased Foreclosure Timelines
Survey Shows Access to Mortgages Seen as a Serious National Problem
Mortgage Rates (2/9/2011)
Mortgage Rates (2/8/2011)
Mortgage Rates (2/7/2011)
Mortgage Rates (2/6/2011 - The Week Ahead)
New debts could affect your mortgage terms
BofA creates new unit, names foreclosure czar
Obstacles to Manifestation: Procrastination
Mortgage Rates (2/4/2011)
Costs for home mortgages rise as Fannie, Freddie hike fees
5 steps to first-time-buyer happiness
2011 housing market will be pancake flat
Curbing Closing Costs
Home Prices Sink Further
Mortgage Rates (2/3/2011)
Mortgage Rates (2/2/2011)
Mortgage Rates (2/1/2011)
January 2011
Mortgage Rates (1/31/2011 - afternoon update)
Mortgage Rates (1/30/2011 - The Week Ahead)
How to Think Positive Without Thinking it Will Jinx You
Mortgage Rates (1/28/2011)
FBI looks into bid rigging at courthouse auctions
home affordable foreclosure alternative program expanded to vacant homes
Mortgage elimination scams hit Stanislaus
The Right Pace for a Great Life
U.S. home prices slide into 'double dip'
New foreclosure cases in California fall sharply in fourth quarter
California unemployment rate is second highest in nation!
California unemployment rate is second highest in nation
Two initiatives aim at helping businesses create jobs
Federal panel unveils report on causes of financial crisis; Republicans dissent
Panel produces fractured view of financial crisis
Home prices still falling
Home ownership good for residents and neighborhoods
Demise of redevelopment may spell end to affordable housing
Mortgage Rates (1/27/2011 - Thursday)
Mortgage Rates (1/27/2011 - Update)
Mortgage Rates (1/27/2011)
Mortgage Rates (1/25/2011)
Mortgage Rates (1/24/2011)
Mortgage Rates (1/23/2011 - The Week Ahead)
Sales of previously owned homes jump 12.3% in December
Few bright spots in Southern California housing market
The Ten Essential Virtues of Love
Mortgage Rates (1/21/2011)
Mortgage Rates (1/20/2011)
No. 2 bank overcharged troops on mortgages
Home Prices Fall, End 2010 at $410,000
Helping You Keep Your Home
Mozilo says he wasn't a dictator at Countrywide
Mortgage Rates (1/19/2011)
Mortgage Rates (1/18/2011)
Southern California's home price gains slowed in December
Mortgage Rates (1/16/2011 - The Week Ahead)
if you want to inspire his total devotion. here's what you need to know
Mortgage Rates (1/14/2011)
Banks repossess 1 million homes in 2010
The Reverse Mortgage Gets a Makeover
Mortgage Rates (1/13/2011)
Mortgage Rates (1/12/2011)
Mortgage Rates (1/11/2011)
Mortgage Rates (1/10/2011)
Mortgage Rates (1/9/2011 - the week ahead)
House Appraisals Under Fire
Housing bust creates new kind of declining city
Federal Reserve: U.S. housing market is still weak
Kiss 4% mortgage rates goodbye
Trust in Relationships
Mortgage Rates (1/7/2011)
Mortgage Rates (1/6/2011)
Mortgage Rates (1/5/2011)
Mortgage Rates (1/4/2011)
Mortgage Rates (1/3/2011)
Now is the time to sell, real estate consultant says
When will housing come back in California? Five experts offer their views
Can a bankruptcy really save your home?
Mortgage Rates (1/2/2011 - The Week Ahead)
How to Live a G.R.E.A.T. Life!
December 2010
Bull vs. Bear: Will housing rebound?
Homeowners use 'show me the note' to fight foreclosure
Home price plunge is widespread
Banks Push Fed to Curb Borrowers' Right to Rescind Mortgages
Mortgage Rates (12/31/2010)
Mortgage Rates (12/30/2010)
Mortgage Rates (12/29/2010)
Home prices fall in October [Updated]
Mortgage Rates (12/28/2010 - Tuesday)
Mortgage Rates (12/28/2010)
Mortgage Rates (12/26/2010 - The Week Ahead)
Freddie Mac Extends Foreclosure Protection for Service Members Through 2011
C.A.R. reports California home sales rise in November; share of short sales increasing
Laughter is one of the simple joys of life
Mortgage Rates (12/23/2010)
Mortgage Rates (12/22/2010)
Home buyers' anxiety rises along with mortgage rates
Tax deduction for mortgage interest could be on the chopping block
Arizona, Nevada sue Bank of America over loan modifications
Wells Fargo reaches agreement with California to modify risky mortgages
When debt collectors go after the wrong person
Mortgage Rates (12/21/2010)
Can You Say… Oh $#!^ For REO and Foreclosures?
Fannie, Freddie repurchase demands reveal fraud
Mortgage Rates (12/20/2010)
Mortgage Rates (12/19/2010 - The Week Ahead)
Have You Looked in the Mirror Lately?
New Survey Reveals 58 Percent of Americans Expect Housing Market to Recover After 2012, According to Trulia and RealtyTrac
Homeownership Aspiration Remains Strong Among Americans
Mortgage Rates (12/17/2010)
Mortgage Rates (12/16/2010 Thursday)
Mortgage Rates (12/16/2010)
Foreclosures fall by record amount in November as lenders put brakes on
Homebuilders pessimistic about housing market
Geithner says bailout will cost less than $25B
Best way of holding a title on an investment property
Some condo owners may lose FHA financing
More Foreclosures Expected in 2011
Lenders may closely monitor borrowers for life of a loan
Mortgage Rates (12/14/2010 - Afternoon Update)
Mortgage Rates (12/14/2010)
Mortgage Rates (12/13/2010)
Mortgage Rates (12/13/2010 - The Week Ahead)
The Simple Truths of Appreciation
Housing Remains Highly Affordable For Seventh Consecutive Quarter
Fannie Mae's Most Recent National Housing Survey Indicates Americans Uncertain Housing Market has Bottomed
When Borrowers Default on Second Homes
What Happened to the Government's Short Sales Program?
Bank of America settles allegations of kickbacks, collusion
Mortgage Rates (12/10/2010)
U.S. turns a $12-billion profit on Citigroup bailout
Bond market takes a hit
22 mortgage providers accused of unfair lending practices
Under pressure Fannie, Freddie reluctant to cut loan amounts
Real estate tax not as bad as it's being perceived
Simple BofA refi turns into foreclosure nightmare
Greater oversight of reverse mortgages urged
Mortgage Rates (12/9/2010)
Mortgage Rates (12/8/2010)
Consumer coalition challenges some FHA lenders' FICO score requirements
Buy or keep renting?
Should you buy or keep renting?
Collecting debts from the dead
More than 8 million drop out of credit card use
Mortgage Rates (12/7/2010)
NAR defends mortgage interest deduction
Mortgage Rates (12/6/2010)
Mortgage Rates (12/5/2010 - The Week Ahead)
?Anchoring Your Way to a Happier Life – Jedi Apprentice…
Mortgage Rates (12/3/2010)
Moortgage Rates (12/3/2010)
Deficit Plan Wins Backers
F.H.A. Rule Changes for Mortgage Borrowers
Signs of a double dip? Home prices fall 2%
Freddie Mac suspends evictions for the holidays
Second-Mortgage Standoffs Stand in Way of Short Sales
Sales of foreclosed and distressed properties fall 25% in third quarter
Mortgage Rates (12/2/2010)
Mortgage Rates (12/1/2010)
Mortgage Rates (11/30/2010)
November 2010
Mortgage Rates (11/29/2010)
Mortgage Rates (11/28/2010 - The Week Ahead)
The Solution to Life's 10 Biggest Problems!
Top 10 Ways to Coach Yourself to Total Success!
Mortgage Rates (11/26/2010)
Happy Thanksgiving
Mortgage Rates (11/24/2010)
Mortgage Rates (11/23/2010)
Mortgage Rates (11/22/2010)
Mortgage Rates (11/22/2010 - The Week Ahead)
Bumper Stickers Seen at the Marine Corps Base in Paris Island :
Home prices expected to slide another 8%
Mortgage Rates (11/19/2010)
17.4 million U.S. families went hungry at some point in 2009, USDA says
Southern California housing market weakens in October
Third Quarter Foreclosure Activity Up in 65 Percent of U.S. Metro Areas But Down in Hardest-Hit Cities
Home Values Near Unprecedented Decline as Hints of Stabilization Wane in Third Quarter
Mortgage Rates (11/18/2010)
Mortgage Rates (11/17/2010)
Mortgage Rates (11/16/2010)
Legal maneuver can help when lenders refuse to pay dues
Refinancing now could be better than waiting for mortgage rates to drop further
Mortgage Rates (11/15/2010)
Mortgage Rates (11/14/2010 - The Week Ahead)
Coping With Difficult People
The "Mortgagegate" Scandal: Congratulations America, You're Now in the Title-Insurance Business
What You Don't Know about "Mortgagegate" Could Crush the U.S. Banking System
Home seizures decline 9% in October
In search of personal responsibility over mortgage loans
Federal Reserve's proposed home appraisal rules may not prevent inaccurate valuations
Paying Off a Mortgage
Fannie Mae opens center to help distressed homeowners
Fed: Small banks crack down on mortgage lending
More Closing Jitters
Mortgage Rates (11/12/2010)
Mortgage Rates (11/10/2010)
Here Come the Bank Buybacks
Fed Plans 600 Billion Dollar Bond Purchase to Spark Economy
Will Rates Go Lower?
Homeownership stays at lowest level in a decade
Mortgage Bankers Push Housing Recovery to 2012
Keep Your Home California
Mortgage Rates (11/9/2010)
Mortgage Rates (11/8/2010)
Mortgage Rates (11/7/2010 - The Week Ahead)
The Land of No Excuses
Real Estate Market Observations - November 2010
Mortgage Rates (11/5/2010)
FICO® 8 Mortgage Score
Mortgage Rates (11/4/2010)
Mortgage Rates (11/3/2010 - Afternoon Update)
Calif. median home price: (11/4/2010)
Mortgage Rates (11/3/2010)
Mortgage Rates (11/2/2010)
Mortgage Rates (11/1/2010)
Mortgage Rates (10/31/2010 - The Week Ahead)
October 2010
Uncertainty and Transition
How to Easily Overcome a Fear of Wrong Decision Making
Mortgage Rates (10/29/2010)
Mortgage Rates (10/28/2010)
September sales and price report
Obama mortgage mods slow, hitting nearly 500,000
Short Sales Resisted as Foreclosures Are Revived
Refinancing rush helps banks amid foreclosure mess
Foreclosures Had Errors, Bank Finds
Existing home sales on the rise
Mortgage Rates (10/27/2010)
Mortgage Rates (10/26/2010)
Mortgage Rates (10/25/2010)
Self-Awareness: Emotional Intelligence and the Interplay of Mind, Body and Spirit
5 Days to A Simpler Life!
Mortgage Rates (10/22/2010)
Mortgage database's murky legal status adds another wrinkle to foreclosure mess
Credit Scores: How 720 Became the New 680
Statement from Bank of America Home Loans
Mortgage Rates (10/21/2010)
Mortage Rates (10/19/2010)
Mortgage Rates (10/17/2010)
HUD's Donovan: National Foreclosure Moratorium Risks 'Going Too Far'
Unemployed? Get a federal loan to pay your mortgage
Consumer and Industry Warning: False and Misleading Designations and Claims of Special Expertise, Certifications and/or Credentials
Dollar's value takes another beating
Freddie Mac: Mortgage rates drop again, now at 1951 levels
Mortgage Rates (10/15/2010)
Mortgage Rates (10/14/2010)
Mortgage Rates (10/13/2010)
How the Bank of America foreclosure freeze affects California homeowners
California Foreclosure Environment
Mortgage Rates (10/12/2010)
Freeze on questionable foreclosures could undermine fragile recovery in housing market
Buying a home? Don't get hung up on mere details
Foreign buyers see big opportunity in housing bust
Mortgage Rates (10/10/2010 - The Week Ahead)
From Habits to Freedom
CALIFORNIA ASSOCIATION OF REALTORS® releases its California Housing Market Forecast for 2011:
Foreclosure Homes Account for 24 Percent of Q2 Residential Sales
Lack of title insurance could slow sales of foreclosed homes
Serious Delinquencies Fall For Fifth Month in a Row
A New Way to Cut a Mortgage
General freeze on home seizures sought
Mortgage Rates (10/8/2010)
Mortgage Rates (10/7/2010)
Probe of big banks' foreclosure practices sought
Aerospace suppliers brace for defense spending cuts
Housing crisis a lift for rentals
Resident in foreclosure quagmire
Mortgage Rates (10/6/2010)
Mortgage Rates (10/5/2010)
Fannie Mae offers housing aid to military families
22% of private mortgage mods redefault
1 in 3 unlikely to qualify for mortgage
Downsizing is booming
No mortgage mods for many of the jobless
How to Buy a Home at a $100,000 Discount
Obama Administration September Housing Scorecard Shows Continued Advances in Housing Market, but Challenges Remain
Mortgage Rates (10/4/2010)
Mortgage Rates (10/3/2010 - The Week Ahead)
Bank of America freezes evictions in 23 states
FHA changing its mortgage insurance fee structure
Mental health tips for frustrated home sellers
5 Top Tips for Moving Past Procrastination Into Action
Saved by the Laundry: From Hamper to Happiness in 8 Steps
Mortgage modification marathon draws masses to Los Angeles
Experts: More foreclosure properties forthcoming
Mortgage Rates (10/1/2010)
Mortgage Rates (9/30/2010)
September 2010
Mortgage Rates (9/29/2010)
Mortgage Rates (9/28/2010)
California puts Ally Financial on notice over botched foreclosures
Buffett: Recession continues, by his definition
Mortgage Rates (9/27/2010)
Mortgage Rates (9/26/2010 - The Week Ahead)
the strangest secret - cool to watch
Excuse Me, But Can You Please Push Me Out of My Own Way?
A housing rebound? Yes, it's possible.
A Downside of Short Sales
Why Your First Home Shouldn't Be Your Dream Home
Mortgage Rates (9/24/2010)
Home loan demand, housing prices fall
Mortgage relief program flagging
Mortgage Rates (9/23/2010)
Mortgage Rates (9/22/2010)
Losses from Fannie Mae, Freddie Mac seizures may near $400 billion
1 in 7 Americans live in poverty, Census Bureau reports
Southern California home sales slide in August
California's economic doldrums to continue until mid-2011, UCLA forecast says
Debate might give new life to mortgage cramdown legislation
Shorter-term mortgages make sense for some people, not for others
Low rates make 15-year mortgages feasible for many refinancers
Whether it's 'acceptable' to walk away from a mortgage, and other questions
Mortgage rates edge up; Housing market still slow
The New FHA Short Refi Program Details
Mortgage Rates (9/20/2010)
Mortgage Rates (9/19/2010 - The Week Ahead)
Mortgage Rates (9/17/2010)
Mortgage Rates (9/16/2010)
Mortgage Rates (9/15/2010)
Creating Balance with Just Two Steps
Mortgage Rates (9/14/2010)
Mortgage Rates (9/13/2010)
Mortgage Rates (9/12/2010 - The Week Ahead)
The Law of Attraction: You Can Magnetize More Love, Joy and Prosperity!
Mortgage Rates (9/10/2010)
Market Statistics - September 2010
Details On The New FHA Short Refi Program
Mortgage Rates (9/9/2010)
Mortgage Rates (9/8/2010)
Mortgage Rates (9/6/2010)
Index of pending home sales rises 5.2%
Closing costs haven't surged but have become more accurate
Fannie Mae tries to stimulate market for foreclosed homes
Looking for home sales to increase? Don't hold your breath
"Double-Dip" Deepens as Housing Collapses
Mortgage Rates (9/5/2010 - The Week Ahead)
The Solutions to Life's 10 Biggest Problems!
7 Attributes of the Truly Confident Person
Mortgage Rates (9/3/2010)
Mortgage Rates (9/2/2010)
Mortgage Rates (9/1/2010)
Mortgage Rates (8/31/2010)
August 2010
Mortgage Rates (8/30/2010)
Mortgage Rates (8/29/2010 - The Week Ahead)
Another helpful Web site for struggling homeowners
Fannie Mae – the government-sponsored entity that helps set lending standards for most mortgages—started a Web site, KnowYourOptions.com.
New mortgage delinquencies rise again
Time to let home prices fall?
Downward revision of GDP growth a strong signal of stalled recovery
Mortgage Rates (8/27/2010)
New home sales fall to record low
July 2010 sales and price report
Mortgage Rates (8/26/2010)
Home Prices Fall $3,500 in July, Sales Lag
More recent mortgage modifications seem to be sticking
Diving home sales stoke new worries about economic recovery
Mortgage Rates (8/25/2010)
Mortgage Rates (8/24/2010)
Mortgae Rates (8/24/2010)
Mortgae Rates (8/22/2010 - The Week Ahead)
Mortgage Rates (8/20/2010)
Mortgage Rates (8/19/2010)
Mortgage Rates (8/18/2010)
Mortgage Rates (8/17/2010)
Homeownership to decline further, housing analyst predicts
Mortgage Rates (8/15/2010 - The Week Ahead)
Remove Anger and Resentment from Your Life with the Squash and Release Technique
Persist: An Excerpt from The Ten Things to Do When Your Life Falls Apart
Mortgage Rates (8/13/2010)
know your options
FHA tells Congress: Mortgage insurance claims are down; home prices a concern
20% of mortgages are underwater
Foreclosures rise in July
Insights on ECRI: Is This Stock-Market Prophet Calling for a Double-Dip Recession?
Major leading indicator in free fall!
Obama administration to provide $3 billion in housing aid
Mortgage Rates (8/12/2010)
Mortgage Rates (8/11/2010)
Market Comments - August '10
Mortgage Rates (8/10/2010)
Market Snapshot (8/10/2010)
Mortgage Rates
Market Snapshot (8/9/2010)
Weekly Preview (8/8/2010)
Mortgage Rates (8/8/2010 - The Week Ahead)
What Do You Want Out of Life?
How to Do Optimism
Seven Simple Exercises to Invite the Extraordinary Life by Guy Finley
Conflicted about a Conflict? - Tip for the Day: How to Bridge the Gap and Not Jump Off the Bridge
A new mortgage fee; Plus, five golden rules …
Mortgage Rates (8/6/2010)
Market Snapshot - 8/6/2010
Mortgage Rates (8/5/2010)
Market Snapshot - 8/5/2010
Mortgage Rates (8/4/2010)
Market Snapshot (8/4/2010)
Mortgage Rates (8/3/2010)
Alan Greenspan: A drop in home prices could lead to second recession
Mortgage Rates (8/2/2010)
Market Snapshot (8/2/2010)
Mortgage Rates (8/1/2010 - The Week Ahead)
Steps to Success
July 2010
Dodd-Frank Legislation Extends Protection To Tenants
Market Snapshot (7/30/2010)
Mortgage Rates (7/30/2010)
Mortgae Rates (7/29/2010)
Market Snapshot - 7/29/2010
Market Snapshot (7/29/2010)
Mortgage Rates (7/28/2010)
Four Shocking Bombshells Bernanke Did NOT Tell Congress About Last Week
Mortgage Rates (7/27/2010)
Mortgage Rates Looking Ahead (7/26/2010)
Mortgage Rates (7/26/2010 B)
Mortgage Rates (7/26/2010)
How To Create A Better World
Foreclosures, Short Sales and Deeds in Lieu
Multitasking: Help or Hindrance?
No investors, please: A foreclosure auction for the everyman
Home sales drop 5.1% in June, less than expected
New home sales slow: Local numbers aren't as severe as nationwide
Mortgage Rates (7/23/2010)
Mortgage Rates (7/22/2010)
some nationwide foreclosure statistics
Real Estate Market Observations (July 2010)
Mortgage Rates (7/21/2010 - Afternoon Update)
Mortgage Rates (7/21/2010)
Lead Yourself Before You Lead Others
Mortgage Rates (7/20/2010)
Mortgage Rates (7/19/2010)
Mortgage Rates (7/18/2010 - The Week Ahead)
Lenders' data mining goes deep
Mortage Rates (Weekly Preview - 7/19/2010)
Fannie Mae to prohibit lenders from changing home appraisals
California median home sale price slides in June
U.S. home foreclosures reach record high in second quarter
Homes lost to foreclosure on track for 1M in 2010
Orance County (CA) Home Prices Fall $5,000 in June
Mortgage Rates (7/16/2010)
Mortgage Rates (7/15/2010)
Mortgage Rates (7/14/2010)
Mortgage Rates (7/13/2010)
California Economic Outlook: July 2010 - from Wells Fargo
Self-Improvement - 8 Keys to More Happiness in Your Life
Mortgage Rates (7/12/2010)
Market Recap (7/12/2010)
Mortage Rates (7/11/2010 - The Week Ahead)
4 Observations about Human Behavior
Betrayal, Forgiveness and Jesse James
Mortgage Rates (7/9/2010)
Mortgage Rates (7/8/2010)
Mortgage Rates (7/7/2010)
Lenders' focus turns to strategic defaults
Tricks to Keep Your House Cool this Summer
The 'Well Wishing' Principle
Mortgage Rates (7/6/2010)
Mortgage Rates (7/4/2010 - The Week Ahead)
Mortgage Rates (7/2/2010)
Mortgage Rates (7/1/2010)
June 2010
Fannie Mae Increases Penalties for Borrowers Who Walk Away
House Passes Tax Credit Extension
10 Life Lessons Learned from the BP Oil Spill
Mortgage Rates (6/30/2010)
Mortgage Rates (6/29/2010)
Deeds-in-lieu gain favor with lenders as alternative to foreclosure
Short sales can make sense
Lousy Economy Pulling Rug Out From Under Housing
Mortgage rates sink to lowest levels on record
Mortgage Rates (6/28/2010)
Mortgage Rates (6/27/2010 - The Week Ahead)
Your Inner World – the Key to Inner Peace, Health and Joy: Book Excerpt – The 5 Pillars of Life
Activate the Happiness Virus In Your World
Mortgage Rates (6/25/2010)
Mortgage Rates (6/24/2010)
Mortgage Rates (6/23/2010 - afternoon update)
Mortgage Rates (6/23/2010)
Mortgage Rates (6/22/2010)
Mortgage Rates (6/21/2010)
Mortgage Rates (6/20/2010 - The Week Ahead)
Creation Step VIII – The One Command
Why Gratitude? What You Haven't Been Told by Apollo Pampallis
Reversing Problems
The Counting Principle
Mortgage Rates (6/18/2010)
Mortgage Rates (6/17/2010)
Southern California housing market holds its ground
SoCal median home price up in April from year ago
Mortgage Rates (6/16/2010)
Real Estate Market Comments for June 2010
Mortgage Rates (6/15/2010)
Mortgage Rates (6/14/2010 b)
Mortgage Rates (6/14/2010)
Mortgage Rates (6/13/2010 - The Week Ahead)
Let's Create a Happiness Virus and Save the World
How to Express Yourself to Others
Mortgage Rates (6/11/2010)
Mortgage Rates (6/10/2010)
Mortgage Rates (6/9/2010)
Mortgage Rates (6/8/2010)
Routine Destruction of Your Spirit
Link to get the form for the California 2010 $ 10,000 tax credit
Mortgage Rates (6/7/2010)
Mortgage Rates (6/6/2010 - The Week Ahead)
Just Listed! 13924 Nettle St Hesperia, CA 92344
Why Self-Help Often Doesn't Work ... And What Does
How to Prevent Your Self-Talk From Interfering With Your Conversations
Mortgage Rates (6/4/2010)
L.A. County makes more big cuts in property tax assessments
After foreclosure: How long until you can buy again?
Mortgage Rates (6/3/2010)
Mortgage Rates (6/2/2010
Mortgage Rates (6/1/2010)
Seller concession rules for FHA mortgages to be changed
Credit Crisis Indicators Going Bonkers Again! Batten Down the Hatches!
How long does my client have to wait after a foreclosure or bankruptcy to purchase a home?
Weekly Preview - 5/31/2010
MARKET RECAP - May 31, 2010
Mortgage Rates (5/31/2010 - The Week Ahead)
May 2010
The Story Of A Boy Who "Visualized" An Empire
The Wave of Change by Jim Self
Mortgage Rates (5/28/2010)
Nearly 75% of homes are affordable
Freddie and Fannie won't pay down your mortgage
What kind of homeowners choose to default?
Refi madness: Surge continues as rates edge lower still
SCE offers help with utility bills
Mortgage Rates (5/27/2010)
April 2010 sales and price report
Title: Delinquencies, Foreclosure Starts Increase in Latest MBA National Delinquency Survey
Entry-level housing affordability stood at 66 percent in Q1 2010
Home sales at 2-year high
Falling home prices raise fears of new bottom
Home prices in March up from last year but down from February
New home sales, durable goods orders rise
Stocks gain after home sales, factory orders rise
Mortgage Rates (5/26/2010)
Mortgage Rates (5/25/2010)
Mortgage Rates (5/24/2010)
Mortgage rate recap of last week and the week ahead (5/24/2010)
Mortgage Rates (5/23/2010 - The week ahead)
The Big Banks Are Opposing C.A.R.'s Bill to Protect Borrowers
What to Do When There Really is A Monster in the Closet…
California foreclosure crisis subsides
2010 California Tax Credit
Loan-modification dropouts rise
Real estate's new problem: Not enough homes
Foreclosure Inventories Report by Foreclosure Radar
UPDATE 1-Loan demand to buy US homes sinks to 13-year low
Mortgage Rates (5/21/2010)
Mortgage Rates (5/20/2010)
California delinquencies recede
What's Worse Than Being a Miser?
Mortgage Rates (5/19/2010)
Mortgage Rates (5/17/2010)
Mortgage Rates (5/18/2010)
What's next for housing after the tax-credit surge?
Lenders likely to order second, last-minute credit report before closing on a mortgage
Mortgage Rates (5/16/2010 - The Week Ahead)
Upgrading Yourself
Lead Where You Are Planted
The Give and Receive Confusion
Mortgage Rates (5/14/2010)
Mortgage rates drop for fifth consecutive week
Foreclosure filings decline 9% in April
Foreclosures still high in California
Senate votes to ban certain bonuses for mortgage brokers, loan officers
Mortgage Rates (5/13/2010)
Senate votes to rein in mortgage lenders
Mortgage Rates (5/12/2010)
Reports show declines in mortgage defaults
Mortgage Rates (5/11/2010)
Mortgage Rates (5/10/2010)
Mortgage Rates (5/9/2010 - The Week Ahead)
Re-Writing Your Story
Stop Trying to Be Normal
Mortgage Rates (5/7/2010)
Mortgage Rates (5/6/2010)
Mortgage Rates (5/5/2010)
Mortgage Rates (5/4/2010)
Selling Lessons for Today's Housing Market
The hidden costs of homeownership
On the Market: New fireplace rules on the horizon
Mortgage Rates (5/3/2010)
Mortgage Rates (5/2/2010 -The Week Ahead)
Charges Of Fraud And Strategic Default At Goldman Sachs
Don't Take a Deep Breath: Un-Inhale Your Aspiration to Control Instead
Five Performance Lessons from The Biggest Loser
Powerful Tactics to Lead Without a Title
Mortgage Rates (4/30/2010)
April 2010
Debate Rages Over Supply of Foreclosed Homes
The concentration of distressed borrowers and the local unemployment rate are two big factors in the health of a metro area's housing market
Tax Deal Lifts Home Sales but Price Pressures Loom
Tax Credit Extension? Don't Bet the House On It
Federal homebuyer tax credit to end
Mortgage Rates (4/29/2010)
Home prices rise in three California cities
Mortgage Rates (4/28/2010 - Afternoon Update)
Mortgage Rates (4/28/2010)
Mortgage Rates (4/27/2010)
Flipping houses is back in South Los Angeles
Fannie Mae to shorten waiting periods for some troubled borrowers to get new home loans
Remodeling projects are making a comeback
Mortgage Rates (4/26/2010)
Private mortgage insurance companies return to market
Mortgage Rates (4/25/2010 - The Week Ahead)
Transitions: The Art of Letting Go
Catastrophe? Or Inconvenience?
Ego: how to get rid of it
View from the NBER Recession Indicators
New Rule- Landlords Beware!
The Shadow Inventory Of Troubled Mortgages Could Undo U.S. Housing Price Gains
Mortgage Rates (4/23/2010)
Mortgage Rates (4/22/2010)
Should you buy or rent a home? Cost gap narrows
Good timing could reap double tax credits
10 foreclosures for every home saved
HOUSING: Economist says California tax credit won't last through May
Tepid 2010 Job Growth Forecast
Bank of America yanks Countrywide Financial customers' credit lines
California home default cases plunge
Mortgage Rates (4/21/2010)
Mortgage Rates (4/20/2009 1)
Mortgage Rates (4/19/2010)
Mortgage Rates (4/19/2010 - The Week Ahead)
4 Powerful Tools to Beat the Recession Blues!
Mortgage Rates (4/16/2010)
Reasons to buy or not to buy a house
Instead of an economic shot in the arm, a shot in the foot
Foreclosure actions spike despite aid
Summary Box: Foreclosures surge to new high
Foreclosure rates surge, biggest jump in 5 years
California's median home price jumps 14.3% in March
30-year mortgage rate falls to 5.07%
Link for CA tax credit information
Good BofA loan help resources and information sites
Getting a loan will be pricier
For Some Markets, Bubble-Era Prices Decades Away
Winning the mortgage modification lottery
Mortgage Rates (4/15/2010)
Signs seen of a housing rebound in Southern California
Mortgage Rates (4/14/2010)
Homebuyer Tax Credit Chart 2010
Mortgage Rates (4/13/2010 b)
Mortgage Rates (4/13/2010)
Test your knowledge of credit scores
Distressed Sales Again On The Rise, CoreLogic Reports
Mortgage Rates (4/12/2010)
Last Week In The News (4/12/2010)
Mortgage Rates (3/11/2010 - The Week Ahead)
Weekly Market Recap (4/12/2010)
9 Things You Must Absolutely Do To Having Winning Relationships At Work:
How You Can Constantly Be in the Right Vibration to Attract by Heather Picken
Mortgage Rates (4/9/2010)
Calif. lawmakers pass housing-crisis tax relief
Homebuyers scramble as mortgage rates jump!
Apartment vacancies, rents likely to drop
Mortgage Rates (4/8/2010)
Homebuyers scramble as mortgage rates jump
Mortgage Rates (4/7/2010)
Mortgage Rates (4/6/2010)
Mortgage Rates (4/5/2010)
Mortgage Rates (4/4//2010 - The Week Ahead)
"Searching for Dimes" Tip for the Day: "Find a Reason to Believe"
Mastering Alchemy: Practical Tools for Managing the Shift… How Do You Want to Be Seen? Part 2
Mortgage Rates (4/2/2010)
As Fed's mortgage purchases end, eyes turn to investors
Real estate relief: California rebound boosts 20-city index
Residential Lenders Ranked by Total Volume in 2009Q4
From bucolic bliss to 'gated ghetto'
Economy on footing for `double dip'
Geithner says loans will be problematic
Home prices in California show strong, unexpected gains in January
Mortgage Rates (4/1/2010)
Mortgage Rates (3/31/2010)
March 2010
Mortgage Rates (3/30/2010)
Mortgage Rates (3/29/2010)
Mortgage Rates (3/28/2010 - The Week Ahead)
Weekly Preview - 3/28/2010
Solve Problems Like a Genius
Gov't to unveil plan to shrink some home loans
How to Be Happy: 7 Tips to Regain Your Optimism
Mortgage Rates (3/26/2010)
Local Realtors lean heavily on short sales
Home loan modification program oversold: watchdog
White House to make changes to mortgage modification program
Mortgage Rates (3/25/2010)
Governor Expected to Sign Homebuyer Tax Credit
Mortgage Rates (3/24/2010)
Expert predicts tenuous housing recovery
Mortgage Rates (3/23/2010)
Keeping you updated on the mortgage and real estate market! For the week of March 22, 2010
Keeping you updated on the market! For the week of March 22, 2010
Mortgage Rates (3/22/2010)
Mortgage Rates (3/21/2010 - The week ahead)
Improve Your Attitude: How to Create New Brain Pathways
Credit scores can drop after getting loan help (full article)
Mortgage Rates (3/19/2010)
Credit scores can drop after getting loan help
Mortgage Rates (3/18/2010)
Mortgage Rates (3/17/2010)
Mortgage Rates (3/16/2010)
Mortgage Rates (3/15/2010)
Permanently modified mortgages grow by 45%, government says
IRS tells homeowners how to get tax relief if a lender forgives part of their debt
5 states rush plans for $1.5B in housing funds
The Great Credit Squeeze
Keeping you updated on the market! For the week of March 15, 2010
Mortgage Rates (3/14/2010 - The Week Ahead)
Article: Understand F.E.A.R. to Eliminate Fear
7 Mental Strength Questions for Changing Your Life
Cleansing and Defense: Guard Your Energy with these 6 Methods
Homebuyers fueling market - for now
The $21 Billion Hot Potato
Mortgage Rates (3/12/2010)
Mortgage Rates (3/11/2010)
Mortgage Rates (3/10/2010)
Another Real Estate Market Opinion
U.S. housing giants are city-sized property owners
China's Challenge
Mortgage Rates (3/9/2010)
Lost money on house? 'Short sellers' face huge tax bills anyway
Mortgage Rates (3/8/2010b)
Mortgage Rates (3/8/2010)
Interest Rates (3/7/2010 - The Week Ahead)
Positive Affirmations, Do Positive Affirmations Really Work
Are Your Goals Accompanied with a Consistent Labor of Love?
Mortgage Rates (3/5/2010)
Mortgage Rates (3/4/2010)
Mortgage Rates (3/3/2010)
More Really Bad News on the Housing Front
Bank Lending Continues to Plunge
Consumer Confidence Falls Off a Cliff
Orange officials sue couple who removed their lawn
Mortgage Rates (3/2/2010)
Many borrowers in default stay put as lenders delay evictions
Home sales pick up in the West
State homesellers average $21,000 less initial than asking price
Another Report from the Housing Market's Front Lines
Mortgage Rates (2/27/2010 - The Week Ahead)
February 2010
Creation – Step VI: Using "Make Believe" To Empower Your Intentions
Spiritual Energy: Your Renewable Resource
Five Reasons to Feel Happy When You're Sad
Mortgage Rates (2/26/2010)
Mortgage Rates (2/25/2010)
Jumbo mortgage market is beginning to thaw
Leading Economic Indicators Keep Rising, but …
Foreclosure situation combines with looming end of incentives
Mortgage Rates (2/24/2010)
Mortgage Rates (2/23/2010 b)
Mortgage Rates (2/23/2010)
Mortgage Rates (2/22/2010)
Keeping you updated on the market! For the week of February 22, 2010
Mortgage Rates (2/21/2010 - The Week Ahead)
Creation – Step V – Emotion Motion
The Foundations of Great Achievement
Difficult People: How to Deal with the Know-It-All
S&P Estimates a Three-Year Overhang of Shadow Inventory
Mortgage Rates (2/19/2010)
the Fed raised its discount rate last night
Southern California home prices rise 8.6%
TransUnion: Surprising increase in souring mortgages
New wave of foreclosures by end of 2010 is feared
Fourth quarter 2009 housing affordability
SoCal home prices fall
Mortgage Rates (2/18/2010)
Number of modified mortgages jumps sharply
Short sales grow as a cheaper alternative to foreclosure
How to avoid common tax errors made by new homeowners
Homeowners' equity is again on the rise after three years of unprecedented shrinkage
It's Not the Circumstances, It's Us
Mortgage Rates (2/17/2010)
Mortgage Rates (2/16/2010)
Citi's Foreclosure Alternative Allows Homeowners to Stay for Six Months
Mortgage Rates (The Week Ahead - 2/14/2010)
Possible ATM scam, check your receipts
John Wooden's 12 Lessons in Leadership
Mortgage Rates (2/12/2010)
Five Tips to De-Stress Relationships
Median home prices rise in more than 40 pct of US metropolitan areas in fourth quarter of 2009
Foreclosure activity falls 10% in January
U.S. aims to stop backing mortgages
Bernanke says Federal Reserve will scale back stimulus policies . . . eventually
Mortgage Rates (2/11/2010)
The Road Map to Higher Interest Rates: Seven Signs of the End of Free Money
Home loan demand drops despite drop in rates
Mortgage Rates (2/10/2010)
Mortgage Rates (2/9/2010)
Loan Resets Projected to Cause Mortgage Crisis in 2010
FTC Rule Bans Up-Front Fees for Modifications
Mortgage Rate (2/8/2009)
'Cash-in' refis growing in popularity
Mortgage Rates (2/7/2010 - The Week Ahead)
Frequently Asked Questions About the First-Time Home Buyer Tax Credit
Frequently Asked Questions About the Move-Up/Repeat Home Buyer Tax Credit
Giving Back to the World
Those seeking to ease their mortgage terms must now document their finances before a trial modification will be granted, the Obama administration says. Loan servicers must adopt the policy by June 1.
Rising FHA default rate foreshadows a crush of foreclosures
The Home Buyer Tax Credit is Expiring Soon: You Must Act Now to Take Advantage of This Benefit
Mortgage Rates (2/5/2010)
The Worst of the Housing Slump is Not Over
Mortgage Rates (2/4/2010)
Mortgage Rates (2/3/2010)
Fed's Currency Swap Lines: A BIG deal for the Dollar
Contracts to buy homes inch up in December
IRS finally publishes rules for $6,500 repeat home buyer tax credit
Mortgage Rates (2/2/2010)
Sen. Ron Calderon Seeks to Expand, Extend State Housing Credit
Get ahead of the slow-moving loan-mod train
FHA revises 'anti-flipping' rule - update
FHA revises 'anti-flipping' rule
Mortage Rates (2/1/2010)
Mortgage Rates (2/1/2010 - The Week Ahead)
January 2010
How to stay safe in the world today.
Remember to Disconnect
Losing Your Memories, Gaining Your Truth
New rule affects homeowners in foreclosure avoidance program
Mortgage Rates (1/29/2010)
No Plans for Mortgage-Principal Reductions
Home sizes fall as builders, buyers embrace economic reality
California's Home Inventory Shrinks to 5-Year Low
Fed keeps key interest rates steady despite board member's disapproval
Mortgage applications fall 11% last week
California mortgage defaults drop 24.3%
Mortgage Rates (1/28/2010)
Mortgage Rates (1/27/2010 - Afternoon Update)
At-risk FHA borrowers to receive early relief assistance
Fed leaves key rate unchanged
Outlook for housing market is muddied by minuscule rise in prices
Nationwide home sales plunge - Locally, L.A. County, state show gains
Why the Economy May Disappoint in 2010
Mortgage Rates (1/27/2010)
Mortgage Rates (1/26/2010)
December home sales down nearly 17 percent
Home prices rising: L.A. County values up 5.6% from year before
Mortgage Rates (1/25/2010)
Mortgage Rates (1/24/2010 - The Week Ahead)
Do You Feed Negativity?
Cleaning for a Reason
ME-Vows: The 5 Promises You Must Make With Yourself
How to stay safe in the world today
200 Bank Failures Expected in 2010
World financial markets shudder as China starts to put brakes on its fast-growing economy
Obama proposes tough new restrictions for banks - The president essentially seeks a return to rules, repealed in 1999, that prevented bank holding companies from owning both commercial banks and Wall Street investment firms.
Obama proposes tough new restrictions for banks
Mortgage pain persists for BofA, Wells, U.S. Bancorp
Mortgage Rates (1/22/2010)
California Traffic Tickets Fines
Mortgage Rates (1/21/2010)
Guidelines for filing complaints against HAMP servicers
Southern California housing market strengthens in December
Federal Housing Administration to raise fees
Home Prices End 2009 at $435,000
Upcoming FHA changes
Mortgage Rates (1/20/2010)
Treasury Dept. says loan modification picture is improved
Mortgage lenders exploit a loophole in HUD's new 'good faith estimate' rules
Taxi or LIMO?
U.S. offers special homeowner benefits to military personnel
Mortgage Rates (1/19/2010)
Mortgage Rates (1/17/2010 - The Week Ahead)
CNBC – Big Banks, Short Sales, Kick Backs and Fraud
Creation, The Game of Intention – Step 3: Do Unto Others…(and a Giveaway Announcement)
5 Ways to Unlock Your Potential
Holiday moratoriums slowed California foreclosures in December
U.S. 2009 foreclosures shatter record despite aid
Mortgage Rates (1/15/2010 b)
Homebuyer beware: the real estate game lacks fair play
Salt water fueled cars????
Mortgage Rates (1/15/2010)
Economic recovery not a typical one
KB Home posts profit for quarter
Fed quietly posts record $46.1-billion profit in 2009
Signs of life in the home-building industry
Bankruptcy's often overlooked tie to homeownership
Mortgage Rates (1/13/2010)
The Largest Tax Increase in US History
Mortgage Rates (1/12/2010)
Remember $4-a-gallon gas? It's likely coming back
Risk-based pricing notices could cut mortgage fees and interest rates
Going to sell the house? Don't wait for 'spring' in February
Mortgage Rates (1/11/2010)
Foreclosures weigh on home appraisals
Losing a home? A tax bite may be next
Believe In Your Future
Banks take revenge for new consumer rules
Gov. Schwarzenegger Lays out Priorities, Urges Continued Bipartisan Teamwork in State of the State Address
Mortgage Rates (1/8/2010)
Mortgage Rates (1/7/2009)
Treasury Moves to Offer Rewards for Short Sales
Mortgage Rates (1/6/2010)
Homeowners forced to buy flood insurance after FEMA redraws maps
How to check your property's flood status
The Treasury Department released guidelines and forms for its new Home Affordable Foreclosure Alternatives Program (HAFA)
Mortgage Rates (1/10/2010)
The interest rate for a 30-year loan ticks up to 5.14%, the fourth consecutive weekly increase.
Bernanke calls for stronger regulation against excessive speculation
Mortgage Rates (1/4/2010)
Mortgage Rates (1/3/2010 - The Week Ahead)
December 2009
Our View: The human touch could save more mortgages
Mortgage Rates (12/31/2009)
Mortgage Rates (12/30/2009)
Mortgage Rates (12/29/2009)
Real estate expert sees good and bad going forward in 2010 and beyond
No more extensions of tax credit for first-time home buyers
Mortgage Rates (12/28/2009)
Mortgage Rates (12/27/2009 - The Week Ahead)
Four Tips to De-Stress Your Spirit
Mortgage Rates (12/24/2009)
Mortgage Rates (12/23/2009)
Mortgage Rates (12/22/2009)
One debit-card overdraft can trigger an avalanche
Mortgage Rates (12/21/2009)
More homes are poised to hit the market
Era of sub-5% mortgages could be over soon
Mortgage Rates (12/20/2009 - The Week Ahead)
An Unforgettable Story
Mortgage Rates (12/18/2009)
Bay Area real estate investors snap up properties in Sacramento, Vegas
How to Learn Your Credit Score
Foreclosure backlog estimated at 1.7M
California population growth slowest in more than a decade
Loan funds feel cash squeeze
Mortgage Rates (12/17/2009)
FED leaves rates as they are
Fannie Mae says it won't consider offers from investors to buy its foreclosed properties until they have been on the market for 15 days.
HR 615 please act!
Mortgage Rates (12/16/2009 - update)
Fannie Mae Announces Deed for Lease™ Program
Obama's standardized short-sale plan could help troubled homeowners
Obama pushes home improvement to create jobs, save energy
Southern California home prices and sales improve in November
Geithner: bailout program extended to October
Mortgage Rates (12/16/2009)
Mortgage Rates (12/15/2009)
Our December newsletter is now on line for you to enjoy
really cool video - spend some time with it
House Passes Reform Legislation but Scraps Bankruptcy Cramdowns
Mortgage Rates (12/14/2009)
Mortgage Rates (12/14/2009 - The Week Ahead)
Manage Your Actions and You'll Free Your Time
Your Destiny Is Built on Daily Habits
Mortgage Rates (12/11/2009)
Consumer borrowing falls yet again
California No. 3 for lost homes
Committee blasts Obama's mortgage relief plan
Mortgage Rates (12/10/2009)
Real estate expert sees good and bad going forward
IRS to outline changes in the home buyer tax credit program
Mortgage Rates (12/9/2009)
Mortgage Rates (12/8/2009)
Mortgage Rates (12/6/2009 - The Week Ahead)
Santa's 7 Holiday Stress-Busting Secrets
Gov't increases pressure on mortgage industry
State ruling to cut most property taxes
Gov't unveils rules to speed up 'short sales'
Mortgage Rates (12/4/2009)
Napolitano vows LA hearing on state's water crisis
Rates on 30-year mortgages set new record low
Home buyers will have to lay out more cash for an FHA mortgage
Mortgage Rates (12/3/2009)
Mortgage Rates (12/2/2009)
The Fed Fears a New Mortgage Crisis
New FICO site helps borrowers seeking loan modifications
Mortgage Rates (12/1/2009)
November 2009
Administration plans new efforts on foreclosures
Home prices up - but for how long?
Mortgage Rates (11/30/2009)
Mortgage Rates (11/29/2009 - The Week Ahead)
45 lessons life taught me
Hope for a strong economic rebound is fading
Many 'underwater' mortgage holders really aren't, data firm says
New $6,500 federal tax credit for 'move-up' home buyers may benefit you
Mortgage Rates (11/27/2009)
A Day of Thanks
Mortgage Rates (11/25/2009)
Mortgage Rates (11/24/2009)
Mortgage Rates (10/23/2009 (1))
Mortgage Rates (11/23/2009 - The Week Ahead)
Home buyer tax credits for all
Foreclosures will keep rising through 2010, report says
FHA-insured mortgages may become more expensive and harder to get
Thanksgiving or Thanks-Receiving?
Mortgage Rates (11/20/2009)
House panel OKs granting of bank breakup power
Mortgage Rates (11/19/2009)
Serious home loan delinquencies are above 10% of mortgages in California
Southern California home prices edge upward again in October
Home Prices Rise $7,500 in October in Orange County (CA)
10 Little Things that Make a Big Difference
Mortgage Rates (11/18/2009)
Mortgage Rates (11/17/2009)
Mortgage Rates (11/15/2009 - The Week Ahead)
Begin at the End
How to Live a Healthy and Joyful Life
Getting Serious About Your House and the Market
How to rent your home from Fannie Mae
Consider this a last call for FHA Streamline Refinances
Banks Rasie Mortgage Qualification Standards
Mortgage Rates (11/13/2009)
Mortgage Rates (11/12/2009)
Thinking of halting payments on house?
Just Desserts and Markets Being Silly Again
Mortgage Rates (11/11/2009)
Mortgage Rates (11/10/2009)
Mortgage Rates (11/9/2009 - part II)
$8,000.00 Tax credit
A day after the Senate, the House also overwhelmingly OKs 14 more weeks of jobless benefits -- 20 weeks in hard-hit states such as California -- and an expansion of the home buyer tax-credit program.
Fannie Mae to allow borrowers in foreclosure to lease back homes
Mortgage Rates (11/9/2009)
Broken Heart Advice: Coping Tips When You Just Can't Let Go
Mortgage Rates (11/6/2009)
Mortgage Rates (11/4/2009)
Mortgage Rates (11/3/2009)
Geithner Urges Extension of Homebuyer Credit
Mortgage Rates (11/2/2009)
Mortgage Rates (11/1/2009 - The Week Ahead)
Toxic Relationships: Love Them, But Leave Them
October 2009
Transforming Difficult Relationships with Curiosity
Mortgage Rates (10/30/2009)
Home prices in major cities continue to climb - Standard & Poor's/Case-Shiller index rises 1% in August from July in its third consecutive monthly gain. Southern California cities, led by L.A. and San Diego, show notable increases.
Housing prices increase across US
If You're Going to Buy a House, Do it Now
Senators Agree To Extend Homebuyer Tax Credit
Mortgage Rates (10/29/2009)
Mortgage Rates (10/28/2009)
Mortgage Rates (10/27/2009)
Mortgage Rates (10/26/2009)
Mortgage Rates (10/25/2009 - The Week Ahead)
Commitment: The Essential Ingredient In Your Relationship
Home sales rise 9.4% in September, beating forecasts
Home-Buyer Credit Tempts Tax Cheats
Mortgage Rates (10/23/2009)
For mortgages, 620 is the new magic number
Mortgage Rates (10/22/2009)
Extending credit 2 area lawmakers back prolonging homebuyer program
Feared flood of foreclosures in California may be averted
Government Measures No Match for Second Wave of Foreclosures
Mortgae Rates (10/21/2009)
Bank errors mar mortgage relief
Mortgage Rates (10/20/2009)
Mortgage Rates (10/19/2009)
Mortgage Rates (10/19/2009 - The Week Ahead)
Six Needs of Every Successful Relationship
Marry the Right Person in the First Place!
Brown Alerts Homeowners that New Law Prohibits Up-front Fees for Foreclosure Relief Services
Mortgage Rates (10/16/2009)
Mortgage Rates (10/15/2009)
The median sales price in some areas rose last month for the first time since the market crashed in 2007, according to MDA DataQuick.
Executives and economists at the Mortgage Bankers Assn. convention say job losses have replaced adjustable subprime loans as the main cause of defaults.
L.A. County home prices inch up (10/14/2009)
L.A. County home prices inch up
Mortgage Rates (10/14/2009)
Housing risks still lurk even as buyers return
Mortgage Rates (9/13/2009)
Creation, The Game of Intention - Step 2 "SURPRISE"
Creation, The Game of Intentions - Step 1
Mortgage Rates (10/11/2009 - The Week Ahead)
Relationship Advice: Be Willing to Have Your Partner Be Upset With You
Killing the Goose What Were We Thinking?
The Installation of Love
Mortgage Rates (10/9/2009)
Mortgage Rates (10/8/2009)
Negotiating Skills Will Get You Ahead
Real Estate Market Observations - October 2009
TAKE ADVENTAGE of the OPPORTUNITY of a LIFETIME BEFORE IT EXPIRES ON 12/1/2009
Mortgage Rates (10/11/2009)
Mortgage Rates (10/6/2009)
Mortgage Rates (10/5/2009)
Mortgage Rates (10/4/2009 - The Week Ahead)
consciousness and evolution - food for thought
The Five Financial Shockwaves to Expect When China's Yuan Swaps Places with the U.S. Dollar
10 Words to Delete from Your Vocabulary
The U.S. Dept. of Housing and Urban Development (HUD) offers an online guide to preventing foreclosure.
Mortgage Rates (10/2/2009)
Mortgage Rates (10/1/2009)
The Economy & the Commercial Real Estate Bust
Mortgage Delinquencies - The Coming Storm
September 2009
Mortgage Rates (9/30/2009)
Do you suggest trying to do a short sale or should I go for a loan modification?
What Michael Moore missed Commentary: He passed over the most potent weapon for a populist rebellion
Mortgage Rates (9/29/2009)
Mortgage Rates (9/28/2009)
Mortgage Rates (9/27/2009 - The Week Ahead)
"12 Things That Make Life Worthwhile"
The Brutal Truth About the Short Sale Timeline!
Market Matters and Beyond the Headlines (9/25/2009)
FHA will tighten credit standards
Mortgage Rates (9/25/2009)
Panda Express - Free SweetFire Chicken Breast Entree
Mortgage Rates (9/24/2009)
Special Report: How the Government is Setting Us Up for a Second Subprime Crisis
Mortgage Rates (9/23/2009)
Mortgae Rates (9/22/2009)
Home Prices Going Down
Mortgage Rates (9/21/2009)
Mortgage Rates (9/20/2009 - The Week Ahead)
The Top 10 Ways to Lift Your Mood When You're Feeling Down in the Dumps
The Secret Benefits of Guided Meditation
Mortgage Rates (9/18/2009)
Mortgage Rates (9/17/2009)
SoCal home sales dipped in August
Experts: Recovery to be painful
Southland home prices move north for fourth consecutive month
Mortgage Rates (9/16/2009)
Recession may forge a housing shift in California
Mortgage Rates (9/15/2009)
Mortgage Rates (9/14/2009)
Mortgage Rates (9/13/2009 - The Week Ahead)
What is Spiritual Healing?
Four Levels of Living: Getting on the Fast Track for Transformation and Growth
Credit Scores: What You Need to Know Now
Home Price Increases Depends on Foreclosure Sales
A Down Payment Anomaly
U.S. plans next step in financial rescue
Mortgage Rates (9/11/2009)
Our observations of the real estate market
TAKE ADVENTAGE of the OPPORTUNITY of a LIFETIME BEFORE IT EXPIRES
Foreclosures dropping State still posts third highest rate in nation
Mortgage Rates (9/10/2009)
As an Exotic Mortgage Resets, Payments Skyrocke
Mortgage Rates (9/9/2009)
Mortgage Rates (9/8/2009)
Mortgage Rates (9/7/2009 - The Week Ahead)
Biomimicry: 12 Sustainable Design Ideas from Nature
Watch Your Waistline
Are You Living Your Purpose?
Mortgage Rates (9/4/2009)
Mortgage Rates (9/3/2009)
An Uncomfortable Choice
Mortgage Rates (9/2/2009)
California homeowners facing insurance rate hikes
Mortgage Rates (9/1/2009)
August 2009
Mortgage Rates (8/31/2009)
Mortgage Rates (8/31/2009 - The Week Ahead)
4 Key Tips for De-Stressing the Mind
A New Meditation for Busy People
Would You Like to Stop Worrying about What Others Think?
Painful Procrastinations are an Invitation to Look Inward with WHEE
Mortgage Rates (8/28/2009)
Mortgage Rates (8/27/2009)
California property values fall for the first time in 76 years
Housing index hints at upturn in home prices
Mortgage Rates (8/26/2009)
Mortgage Rates (8/25/2009)
Mortgage Rates (8/24/2009)
Mortgage Rates (8/23/2009 - The Week Ahead)
To Those That I Love and Care
Iraq Endgame
A few good articles to consider
Mortgage Rates (8/21/2009)
Pick me up jokes. Laugh a little.
Mortgage Rates (8/20/2009)
L.A. County housing market 'stabilizing'
Low prices boost Southern California home sales in July
Mortgage Rates (8/19/2009)
Mortgage Rates (8/18/2009)
Mortgage Rates (8/16/09 - The Week Ahead)
Start house-hunting now to qualify for tax credit for first-time home buyers
Some saw the housing bubble and sold; trick now is spotting the bottom
Mortgage Rates (8/17/09)
Keeping you updated on the market! - For the week of August 17, 2009
New Foreclosure Numbers Eclipse Recent Optimism
Understanding banks' new credit criteria
Empower or Enable
Happy Relaxation Day!
Mortgage Rates (8/14/2009)
Foreclosure backlog keeps building
Foreclosed homes mount
Foreclosures rise 7 percent in July from June
Housing Recovery Will Be Slow as Foreclosures Continue to Weigh on Housing Prices
Loan Modificatin Fraud
5 Tips to Avoid Being Scammed When Dealing With a Loan Modification
Mortgage Rates (8/13/2009)
Mortgage Rates (8/12/2009 - Afternoon Update)
Mortgage Rates (8/12/2009)
Mortgage Rates (8/11/2009)
Rookie Home Buyer Mistakes
First-time home buyer tax credit faces increased IRS scrutiny
Mortgage Rates (8/10/2009)
Mortgage Rates (8/9/2009 - The Week Ahead)
When is Doing Nothing a Good Idea?
Mortgage Rates (8/7/2009)
Mortgage Rates (8/6/2009)
Mortgage Rates (8/5/2009)
Bankers say they'll restrict lending
Credit card industry enters a new era
Mortgage Rates (8/4/2009)
Mortgage Rates (8/3/2009)
Mortgage Rates (8/2/2009 - The Week Ahead)
July 2009
PMI company changes
Has the Housing Market Really Hit Bottom, or Is It Headed for Another Collapse?
Mortgage Rates (7/31/2009)
Mortgage Rates (7/30/2009)
Lenders lack incentive to halt some foreclosures
Home prices may be stabilizing, market tracker shows
Mortgage Rates (7/29/2009)
Mortgage Rates (7/28/2009)
Fewer foreclosures initiated in California in second quarter
Mortgage Rates (7/27/2009)
Is Fear Managing Your Life?
Mortgage Rates (7/26/2009 - The Week Ahead)
Emotional Freedom and Abundance
Mortgage Rates (7/24/2009)
Mortgage Rates (7/23/2009)
Mortgage Rates (7/22/2009)
Mortgage Rates (7/21/2009)
Grief and Telling the Truth
Mortgage Rates (7/20/2009)
Mortgage Rates (7/19/2009 - The Week Ahead)
Market Condition Update (July 2009)
Mortgage Rates (7/17/2009)
Five Daily Self Improvement Practices to Change Your Life
Remember Who You Are
Southern California median home sales price surges in June
Southland home prices surge to highest level in 30 months
Housing value bouncing back?
Mortgage Rates (7/16/2009)
Mortgage Rates (7/15/2009)
Mortgage Rates (7/13/2009)
Mortgage Rates (7/12/2009 - The Week Ahead)
Some People
Reality Bites
Mortgage Rates (7/10/2009)
Mortgage Rates (7/9/2009)
Mortgage Rates (7/8/09)
Mortgage Rates (7/7/2009)
Another wave of foreclosures is poised to strike
Mortgage Rates (7/6/2009)
Mortgage Rates (7/6/2009 - The Week Ahead)
Searching for a bottom in the housing market
Home-buyer tax-credit program cut off by state
U.S. raises home refi plan's loan-to-value ceiling to 125%
Mortgage Rates (7/2/2009)
'Immortal' jellyfish swarming across the world
Meditation for Spiritual Healing
Mortgage Rates (7/1/2009)
Stimulus Laws for 2009 - Related To Housing
June 2009
FHA Loan vs. Conventional Loan
Mortgage Rates (6/30/2009)
Mortgage Rates (6/29/2009)
Snapshot Management: Leaders Under the Spotlight Use Emotional Intelligence
Mortgage Rates (6/28/2009 - The Week Ahead)
Mortgage Rates (6/26/2009)
8 Ways to Break a Plateau
Mortgage Rates (6/25/2009)
Mortgage Rates (6/24/2009 - AFTERNOON UPDATE)
Mortgage Rates (6/24/2009)
Mortgage bankers cut U.S. loan origination forecast
Mortgage Rates (6/23/2009)
Mortgage Rates (6/22/2009)
Mortgage Rates (6/22/2009 - The Week Ahead)
Mortgage Rates (6/18/2009)
Mortgage Rates (6/17/2009)
Mortgage Rates (6/16/2009)
Mortgage Rates (6/15/2009)
Mortage Rates (6/14/2009 - the week ahead)
Validation - Award winning short film
State releases school rankings; nearly a quarter of Whittier sites get 9s or 10s
Mortgage Rates (6/12/2009)
New-Home Inventories Continue Shrinking In April
Mortgage Rates (6/11/2009 Afternoon Update)
Mortgage Rates (6/11/2009)
Signs of more trouble ahead for housing market
Mortgage Rates (6/10/2009)
Mortgage Rates (6/9/2009)
Sales of pre-owned U.S. homes rise 2.9% in April
Home foreclosures hit record in first quarter
Economists say recession to end in third quarter
Finally, Achieve the Goals You Set
Mortgage Rates (6/8/2009)
Mortgage Rates (6/7/2009 - the week ahead)
Southern California property values sink below historic norms
Imagine No Limits
Mortgage Rates (6/5/2009)
Mortgage Rates (6/4/2009)
Mortgage Rates (6/3/2009)
How GM's bankruptcy affects you
Pending home sales rise 6.7 percent in April
Mortgage Rates (6/2/2009)
Mortgage Rates (6/1/2009)
Obama's Loan Modification Plan: 7 Things You Need to Know
Mortgage Rates (5/31/2009 - Week Ahead)
May 2009
Our View: Government measures not helping housing market
Many modified mortgages will default again, Fitch Ratings projects
Mortgage Rates (5/29/2009)
Mortgage Rates (5/28/2009)
Mortgage Rates (5/27/2009)
Mortgage Rates (5/26/2009)
sack lunch
Mortgage Rates (5/25/2009 - The Week Ahead)
Life Maps: Envisioning Success
Work Wisely: Work Less Hours, Make More Money
Mortgage Rates (5/22/2009)
Mortgage Rates (5/21/2009)
Focus on Health - The Benefits of a Peaceful Mind
Mortgage Rates (5/20/2009 Afternoon Update)
Mortgage Rates (5/20/2009)
Mortgage Rates (5/19/2009)
How many zeros in a billion?
Mortgage Rates (5/18/2009)
Mortgage Rates (5/18/2009 Looking Ahead)
Remembering a True 'Enchanted Self'
Schwarzenegger outlines drastic budget cuts
A Short Sale May Not Mean You're Home Free
Bidding Wars Are Emerging on Foreclosures
Mortgage Rates (5/15/2009)
Mortgage Rates (5/14/2009)
To Rent or Buy in 2009?
Buying Time Against Foreclosure
Reverse mortgage variation is aimed at seniors looking to downsize
U.S. expanding foreclosure prevention plan
Mortgage Rates (5/13/2009)
Mortgage Rates (5/12/2009)
Color Psychology: Choose the Right Color for Your Listings
Mortgage Rates (4/11/2009)
Mortgage Rates (5/11/2009 - the week ahead)
SMART Goal Setting 101: The Definitive Guide to Goal Achievement
Is Goal Setting Holding You Back?
Postage Rates Are Changing on May 11
Mortgage Rates (5/8/2009)
Mortgage Rates (5/7/2009)
Mortgage Rates (5/6/2009)
How to really help troubled homeowners
Making Home Affordable program may enable millions to refinance mortgages
Top Ten Tips to be a Successful Seller
Mortgage Rates (5/5/2009)
What the expanded remodeling tax credit means for consumers.
A one-stop source for credit card comparisons
Mortgage Rates (5/4/2009)
Mortgage Rates (5/4/2009 - The Week Ahead)
The Power of Words
New condo loan rules could hurt distressed areas
Obama administration seeks to regulate large financial corporations
Southland median home price holds to $250,000 in February
Citigroup to cut mortgage payments for some unemployed customers
$75-billion housing plan unveiled
Obama plan to prevent foreclosures enables more homeowners to refinance
Affordability Highest Since Start Of Decade
Saving Capitalist Banking and a Speech by Paul Volker
Obama's Energy Plan: Trying to Kill 3 Birds With 1 Stone
Mortgage Rates (4/30/2009 - a bit late but good information)
Mortgage Rates (5/1/2009)
California posts 2.2 percent monthly gain in its median home price
April 2009
Mortgage Rates (4/29/2009)
Mortgage Rates (4/28/2009)
Mortgage Rates (4/27/2009)
Mortgage Rates (4/27/2009 - the week ahead)
Offer to reassess home raises red flag
Reduce, Reuse, Recycle
Goals and Visions Unlimited
Headed for foreclosure? Here's what to expect
Mortgage Rates (4/24/2009)
Mortgage Rates (4/23/2009)
Appreciation A-B-Cs
Mortgage Rates (4/22/2009)
New checks, balances coming to financial industry
Deflation: When low prices buy high anxiety
Something to laugh about - The economy is so bad:
Mortgage Rastes (4/21/2009)
Obama launches mortgage rescue plan
Mortgage Rates (4/20/2009)
Fannie Mae, Freddie Mac are raising fees, toughening rules for credit scores and down payments
Can Acorns Cure this Crisis?
Holiday blues: Weakness unmatched in 35 years
Mortgage Rates (4/20/2009 The Week Ahead)
When The World Came Together
Maytag recalls 1.6 million refrigerators - over fire hazard
Read this Article about Procrastination Right NOW!
Finding Joy
First-Time Homebuyer Credit Questions and Answers: Basic Information
Moortgage Rates (4/17/2009)
Mortgage Rates (4/16/2009)
The World's Biggest Cash Pile
Stop Negative Self-Talk! Five Ways to Build Confidence and Happiness
Mortgage Rates (4/15/2009)
Mortgage Rates (4/14/2009)
Those Wild and Crazy Analysts - On Real Estate
Mortgage Rates (4/13/2009 part B)
Mortgage Rates (4/13/2009)
Medal of Honor Winner Ed Freeman
A silver lining in the current housing market
Signs of life in California Real Estate
Write for Profit with a Passion and Avoid 'Analysis Paralysis'
Mortgage Rates (4/10/2009)
Mortgage Rates (4/9/2009)
Mortgage Rates (4/7/2009)
Home sales climb nearly 70 percent
Common loan modification programs offered by banks
Mortgage Rates (4/6/2009 - The Week Ahead)
Mortgage Rates (4/3/2009)
Tax Break For First-Time Buyers - Explained
Tax hikes begin today
Opposing forces tug on banks
FDIC wants new ceiling on interest rates paid by weak banks
Mortgage Rates (4/2/2009)
March 2009
Federal Housing Finance Agency proposes to trim Fannie, Freddie portfolios
Housing Plan Will Accelerate Loan Modifications, HUD Says
Home values in L.A., Orange counties higher than reported, Zillow.com says
Mortgage Rates (3/31/2009)
Mortgage Rates (3/30/2009)
Mortgage Rates (3/30/2009 - The Week Ahead)
It's your last weekend to shop before the sales tax increase
Mortgage Rates (3/27/2009)
Fannie Mae Undertakes "Making Home Affordable" Refinancing and Modification Initiatives
The Time is Now for Real Estate
Another tool to escape foreclosures
Mortgage Rates (3/25/2009)
Existing home sales rise 5.1% in February
Assembly OKs 20-week extension of unemployment pay
Market rallies behind bank rescue plan
The new rules of mortgage lending
Aid will turn renters into owners - San Diego County
Mortgage Rates (3/24/2009)
How Long Does a Loan Modification Take?
10 properties per investors
Mortgage Rates (3/23/2009)
Upsiding the Downturn
Mortgage Rates (3/22/2009 The Week Ahead)
Obama's plan to limit write-offs provokes push-back
A Waiting Game for Refinancing
State Housing Agencies Get Caught in Credit Crunch
Home sales on the rise
Deeds-in-Lieu of Foreclosure
Mortgage Rates (3/20/2009)
Banks Sitting On An Inventory Time Bomb
Mortgage Rates (3/19/2009)
Long-Term Outlook: Slow Growth And Deflation
Mortgage Rates (3/18/2009 Afternoon Update)
Mortgage Rates (3/18/2009)
Mortgage Rates (3/17/2009)
Mortgage Rates (3/16/2009)
Morgage Rates (3/15/2009 - The Week In Preview)
Clean Up Your Credit
Self-Confidence -- The First Step toward Career and Life Success
7 Ways to Achieve Greater Confidence
Reynolds wrap and the such...
Mortgage Rates (3/13/2009)
Property Tax Reduction Scam Alert
Mortgage Rates (3/12/2009)
Maytag recalls 1.6 million refrigerators over fire hazard
Housing Stimulus Laws for 2009
The New World of Lending
REO transactions and RESPA
Mortgage Rates (3/11/2009)
FTC's warning to foreclosure fix-it firms
Mortgage modification fails to slow state, Inland foreclosures
Mortgage Rates (3/10/2009)
Southern California home prices fall, affordability returns to normal
Mortgage Rates (3/9/2009)
Mortgage rates (3/8/2009)
Mortgage Rates (3/6/2009)
Mortgage Rates (3/5/2009)
Walking the dog - (humor)
Mortgage Rates (3/4/2009)
Keep people in their homes, real Help for the economy
Mortgage Rates (3/3/2009)
Mortgage Rates (3/1/2009)
Mortgage Rates (3/1/2009 - Weekly Preview)
February 2009
Fannie Mae Extends Foreclosure Sale & Eviction Suspension
The Looming Crisis Beyond Today's Financial Disaster
Mortgage Rates (2/27/2009)
Mortgage relief via the courts
Mortgage Rates (2/26/2009)
Mortgage Rates (2/25/2009)
Obama recovery plan stimulates whining
Homeowner Affordability and Stability Plan - Obama Administration's Home Mortgage Crisis Fact Sheet
The Homeowner Affordability and Stability Plan
Mortgage Rates (2/24/2009)
Mortgage Rates (2/22/2009)
The 2 Essentials for Finding Your 'Real' Voice
Delinquencies Increase, Foreclosure Starts Flat in Latest MBA National Delinquency Survey
Mortgage Rates (2/20/2009)
California Finally Has A Budget
Comptroller Dugan Highlights Re-default Rates on Modified Loans
Mortgage modifications falling short of goal
Mortgage Rates (2/19/2009)
Bernie Madoff - How To Avoid A Ponzi Scheme
Mortgage Rates (2/18/2009)
JPMorgan, Citigroup halting foreclosures
Obama vows to turn next to housing crisis
Banks still stingy on lending
Countrywide Sued Over Denied Modification
The Six Lessons from Last Week's Action
Mortgage Rates (2/17/2009)
Mortgage Rates (2/15/2009 - The Week Ahead)
Economic stimulus money will reach nearly all
White House and major banks act on housing crisis
American Recovery and Reinvestment Act of 2009
Mortgage Rates (2/13/2009)
Introducing the Financial Stability Plan
White House, Congress Reach Final Compromise on Stimulus
Mortgage Rates (2/12/2009)
Mortgage Rates (2/11/2009)
Can We Really Believe "California Comeback" Report?
On G-20 and GM: Economics, Politics and Social Stability
Mortgage Rates (2/10/2009)
Mortgage Rates (2/9/2009)
Mortgage Rates (2/8/2009)
Back Pain at the Office
Mortgage Rates (2/6/2009)
Mortgage Rates (2/5/2009)
Interesting thoughts on the new stimulus plan
Mortgage Rates (2/4/2009)
motivated entrepreneurs will be what really create a growing economy
Mortgage Rates (2/3/2009)
Mortgage Rates (2/2/2009)
Countrywide and Landsafe Sued over Appraisals
January 2009
The Dangers of Keeping Your Feelings to Yourself (and What to Do About It)
How new bank deposit coverage may affect you
Mortgage Rates (1/30/2009)
First time buyers could receive a $7,500 tax credit if they purchase
Opinion on the Current Economic Issues
Foreclosures, delinquencies skyrocketing among 'prime' borrowers
Mortgage Rates (1/29/2009)
Mortgage Rates (1/28)2009 afternoon update)
Mortgage Rates (1/28/2009)
Mortgage Rates (1/27/2009)
Mortgage Rates (1/26/2009)
Mortgage Rates (1/25/2009)
Mortgage Rates (1/23/2009)
Mortgage Rates (1/22/2009)
Mortgage Rates (1/21/2009)
Be Part of the American Dream – Become a Homeowner! - City of Upland
Claremont's New Ordinance: Registration and Maintenance of Abandoned Properties CMC Chapter 8.17
Senator Dutton Introduces SB 49 - Bill Would Create Homebuyer Tax Credit
U.S. announces mortgage affordability plan
Citigroup Deal May Push All Mortgage Rates Higher
Mortgage Rates (1/20/2009)
Mortgage Rates (1/19/2009)
The Joy of Failure -- Build Your Support Network For Happiness & Success
December California Foreclosure Report - NOTICES OF DEFAULT NEARLY DOUBLE
Finding Your Purpose in Life is easier than you think
Mortgage Rates (1/16/2009)
The New Tax Laws - A Quick Heads-Up for April 15th
Mortgage Rates (1/15/2009)
Mortgage Rates (1/14/2009)
2009 FHA Loan Limits Announced
Mortgage Rates (1/13/2009)
Mortgage Rates (1/12/2009)
Mortgage Rates (1/11/2009)
2008 final foreclsoure count
Mortgage Rates (1/9/2009)
$7500 First-Time Homebuyer Income Tax Credit
Revising Loan Modifications
Mortgage Rates (1/8/2009)
Government's mortgage relief program gets few takers
Mortgage Rates (1/7/2008)
Mortgage Rates (1/6/2009)
Mortgage Rates (12/5/2008 part B)
Mortgage Rates (1/5/2008)
"I've got a great life!" (Why am I not happy?)
Mortgage Rates (1/2/2009)
December 2008
Mortgage Rates (12/31/2008)
Will mortgage rates drop again?
Housing Crisis Requires Bold Government Action, Says Real Estate Center Chief Economist
Mortgage Rates (12/30/2008)
Expectations lowered for new mortgage aid program
Some Thoughts On The Housing Market
Mortgage Rates (12/29/2008)
You Are What You Believe
Mortgage Rates (12/28/2008)
The Great American Housing Nightmare: Next Phase
Mortgage Rates (12/26/2008)
Mortgage Rates (12/24/2008)
The History of Christmas
'How did we get here?': The White House responds
California attorney general charges 8 people in alleged mortgage scam
Mortgage Rates (12/23/2008)
Mortgage Rates (12/22/2008)
Mortgage Rates (12/21/2008)
Homeownership has many advantages - both financial and personal
Mortgage Rates (12/19/2008)
Mortgage Rates (12/18/2008)
Mortgage rates at 37-year low
Wealth Strategy: Success by Association
How to fix the housing mess
Mortgage Rates (12/17/2008)
Fannie Mae Lets Renters Stay Despite Foreclosures
Mortgage Rates (12/16/2008)
Mortgage Rates (12/15/2008 part B)
Mortgage Rates (12/15/2008)
3 News Stories Every Homeowner Should Know
Errors in loan documents can save strapped homeowners
Mortgage Rates (12/12/2008)
Bernanke: more action needed to cut foreclosures
Mortgage Rates (12/11/2008)
Oversight panel grills Treasury on bailout plan
Seven Ways to Help Sell Your Home
Mortgage Rates (12/10/2008)
Mortgage Rates (12/9/2008)
Mortgage Interest Rate History, and a Change for the Future
Mortgage Rates (12/8/2008)
Mortgage Rates (12/7/2008)
How does the bailout plan help homeowners facing foreclosure?
Mortgage Rates (12/4/2008)
Mortgage Rates (12/3/2008)
Mortgage Rates (12/2/2008)
announcements recently regarding assisting homeowners in distress
Hedge fund Greenwich sues Countrywide over mortgage accord
Calling the recession - not just a 'duh' thing
Mortgage Rates (12/1/2008)
Mortgage Rates (11/30/2008)
November 2008
Mortgage Rates (11/28/2008)
Mortgage Rates (11/26/2008)
Stocks jump as economic news cheers investors
Obama assigns centrists to make radical economic moves
Bush says - Citigroup deal needed to protect system
Bush says Citigroup deal needed to protect system
U.S. rescues giant Citigroup
Bailout: Will It Help Restore Real Estate Consumer Confidence?
Mortgage Rates (11/25/2008)
Budget Shortfall and Real Estate
Important Information about Title IV of H.R. 3221 Foreclosure Prevention Act of 2008 - HOPE for Homeowners
Mortgage Rates (11/24/2008 part B)
Mortgage Rates (11/24/2008)
Gift Cards In Trouble
Mortgage Rates (11/21/2008)
Mortgage Rates (11/20/2008)
Credit Crisis: Do Bush & Paulson Have A Clue?
Mortgage Rates (11/19/2008)
FDIC Challenges Treasury with New Loan Modification Proposal
Groups lobby for home-buying incentives in new president's stimulus plan
Mortgage Rates (11/18/2008)
Mixed Messages Return
Mortgage Rates (11/17/2008)
The market for homeowners looking to sell
Buying Toxic Mortgages: Hank and Ben made it sound good
Mortgage Rates (11/16/2008)
Britax Marathon Convertible Car Seat - 85% off - GREAT DEAL
Be a Negative Optimist
Mortgage Rates (11/14/2008)
Paulson cancels key part of financial bailout
Mortgage Rates (11/13/2008)
Federal plan could aid troubled homeowners
Regulators to banks: Get off your butts and lend
Mortgage Rates (11/12/2008)
Quote of the Day - November 11, 2008
Mortgage Rates (11/11/2008)
Lenders push for fresher 'comps' in home valuations
New Rush to modify home loans raises "moral hazard" issue - How far would people go to get better terms on their mortgage?
Citi, Fannie, Freddie to Halt Some Foreclosures
Mortgage Rates (11/10/2008)
Selling a Principal Residence Formerly Used for Investment Purposes?
Mortgage Rates (11/9/2008)
Why Good People Do Bad Things
Opportunity is missed by most people because it is dressed in overalls and looks like work. - Thomas Edison
Government's mortgage relief program gets few takers - The Hope for Homeowners plan's limitations damp interest among both borrowers and lenders
Hottest Mortgages in the Market Right Now
How much foreclosure relief will homeowners get from bailout plan?
Mortage Rates (11/7/2008)
Mortgage Rates (11/6/2008)
Pending home sales up 7.4% in August
Mortgage Rates (11/5/2008)
Mortgage Rates (11/4/2008)
FHA website
Mortgage Rates (November 3, 2008)
October 2008
The Holloween Story
Mortgage Rates (10/31/2008)
Rates on 30-year fixed mortgages surge to 6.46% from 6.06% on news of Fed rate cut.
Taller Gratis– Bienvenidos = Preservando El Sueño Americano Protejá su Hogar y Su Futuro en el Mercado de la Vivienda de Hoy Dia!
Government near home loan bailout
Mortgage Rates (10/30/2008)
Mortgage Rates (10/29/2008 part b)
the question is what will look like the new engine of economic growth?
Mortgage Rates (10/29/2008)
Mortgage Rates (10/28/2008)
New Fannie Mae Guidelines Encourage Short Sales
Act Now, Before the Fed Does
Mortgage Rates (10/27/2008 part b)
Mortgage Rates (10/27/2008)
New foreclosure plan on tap
Mortgage Rates (10/24/2008)
Fed: New rate cut likely, with record low within sight
Home sellers who understand market prosper
U.S. housing price decline sets record
Mortgage Rates (10/23/2008)
List of Lenders Who Are Participating in the HOPE for Homeowners (H4H) Program
Return Required To Cover Losses
The Secret of Selling Houses
Mortgage Rates (10/22/2008)
Persistence Pays Off When Loan Modification Saves House and Credit
Where is my swap line? And will the diffusion of financial power Balkanize the global response to a broadening crisis?
The Economic Blue Screen of Death
Mortgage Rates (10/21/2008)
Despite the credit crunch, there's still plenty of mortgage money
Mortgage Rates (10/20/2008)
Mortgage Rates (10/19/2008)
Life Balance: The Urgent vs. the Important
The World Will Not End
Mortgage Rates (10/17/2008)
Financial Crisis For Beginners
Mortgage Rates (10/16/2008)
Cell phone numbers going public.
Rescue plan: What's in it
Mortgage Rates (10/15/2008)
Bankruptcy, foreclosure, conventional changes - short sale clarification - requirements
Mortgage Rates (10/14/2008)
UCLA economists issue gloomy California forecast
Mortgage Rates (10/13/2008)
Statement of U.S. Senator Dianne Feinstein In Support of the Economic Rescue Package
Mortgage Rates (10/10/2008)
RTC could be Rescue Plan Role Model
Mortgage Rates (10/9/2008)
Mortgage Bailout Passes, Finally - Now What?
Countrywide mortgage pact may be worth $3.5 billion to California loan holders
Mortgage Rates (10/8/2008b)
Mortgage Rates (10/8/2008)
Mortgage Rates (10/7/2008)
Housing Assistance Act Will Impact Many Investor Capital Gain Calculations
Money-Saving Tips On Home-owner's Insurance
Mortgae Rates (10/6/2008)
Information on Deeds in Lieu of Foreclosure
Bailout 101: What new law says
Mortgage Rates (10/5/2008 - the week ahead)
House passes $700b bailout
House approves historic bailout package
Bank-Rescue Plan Wins Approval as House Reverses Vote (Update2)
Mortgage Rates (10/3/2008)
Mortgage Rates (10/2/2008)
1999 NY Times Article - Start Of The Mortgage Meltdown?
Banking Crises Around The World
Might Uncle Sam Make Money On The Bailout?
Mortgage Rates (10/1/1008)
Loan Modification - Consumer Issues
Advance Fees and Loan Modificat ion Services
Impacts of Bailout
What's At Stake? Pass the Emergency Economic Stimulus Act
September 2008
Haste Makes Waste
Mortgage Rates (9/30/2008)
House rejects Wall Street bailout in dramatic vote
U.S. stocks tumble
U.S. stocks tumble as bailout plan fails in House
Gov. Schwarzenegger Signs Mortgage Legislation to Protect California Homeowners and Homebuyers
Fed Pumps Further $630 Billion Into Financial System (Update2)
Fed Would Gain More Power Over Short-Term Rates in Rescue Bill
Citi to acquire Wachovia's banking operations
FACTBOX: Key elements of Congress' bailout plan
Bank rescues in Europe as House meets on bailout
California Budget
Mortgage Rates (9/29/2008 part b)
Mortgage Rates (9/29/2008)
Observations on a Crisis
Economic Softening Hits Leading Commercial Real Estate Index
A Perfect Match
Mortgage Rates (9/26/2008)
Quote forthe day
JPMorgan Chase buys WaMu assets after FDIC seizure
Proposed $700 Billion Bailout Is Too Little, Too Late to End the Debt Crisis
Mortgage Rates (9/25/2008)
Bailout dilemma: How hard to squeeze the banks on loans?
While our government is bailing out Wall Street, DPA and H.R. 6694 is looking out for Main Street.
Mortgage Rates (9/24/2008)
Bailout may give housing market some breathing room
Key components of the Treasury's proposal include:
The Government to the Rescue! Will Those Efforts Include Saving FHA's Down Payment Assistance Program?
$700 billion question: fate of bad loans
Mortgage Rates (9/23/2008)
Uncle Sam's $700+ Billion Toxic Securities Fund
Bail Out Hearings (9/23/2008)
Free Disneyland Ticket On Your Birthday In 2009
Strong Push for an RTC-Type Solution to the Crisis
Mortgage Rates (9/22/2008)
Mortgage Rates (9/19/2008)
Mortgage Rates (9/18/2008)
Mortgage Rates (9/17/2008)
Real Estate Why Greenspan Is Right This Time
10 Cities Where Cost of Living Is Growing Fast
Mortgage Rates (9/16/2008 afternoon update)
Mortgage Rates (9/16/2008)
Mortgage Rates (9/15/2008)
Mortgage Rates (9/14/2008)
Living by the Golden Dozen
Seller Funded Down Payment Assistance likely to continue!
Did You Know That You Need A Job, A Good Credit Rating and Promise To Pay The Lender Back Before You Can Get A Loan?
Mortgage Rates (9/12/2008)
Real Estate: Why Greenspan Is Right This Time
Mortgage Rates (9/10/2008)
July Sales Report By County
Mortgage Rates (9/9/2008)
Fannie/Freddie bail out
C.A.R. on Fannie, Freddie Takeover
Freddie Mac and Fannie Mae News
Freddie Mac and Fannie Mae
Mortgage Rates (9/8/2008 part C)
Mortgage Rates (9/8/2008 part B)
Mortgage Rates (9/8/2008)
Housing Market Key Indicator Alert - Aug. 21
C.A.R. July 2008 Sales and Price Report
Just Listed! 510 Laurel Way La Habra, CA 90631
Will WaMu Make it?
New law addresses second-home sales and its tax consequences
Mortgage Rates (8/5/2008 a)
Thoughts on the Market (7/28/2008)
Mortgage Rates (8/4/2008 b)
Mortgage Rates (8/3/2008)
Mortgage Rates (9/2/2008)
Mortgage Rates (9/1/2008)
Mortgage Rates (8/29/2008)
August 2008
Good Credit Is Step One for Buyers
Mortgage Rates (8/27/2008)
Top 10 Cities to Buy a Home
Mortgage Rates (8/26/2008)
California Foreclosures Offered at 12% Discount
Mortgage Rates (8/25/2008)
Mortgage Rates (8/24/2008)
Mortgage Rates (8/22/2008)
Remarks by Dallas Fed President Richard W. Fisher
Mortgage Rates (8/21/2008)
August 2008 - ALL SEASONS - Newsletter
Southern California home sales jump 13.8% in July
Housing Inventories Fall in Major Cities
Mortgage Rates (8/20/2008)
Money Savings Tips
Mortgage Rates (8/19/2008)
Just Listed! 2028 Owens Drive Fullerton, CA 92833
Tips for Buying Foreclosures
Mortgage Rates (8/18/2008)
Start Living in Prime Time
Mortgage Rates (8/15?2008)
Selling a Home in a Hurry Still Possible
Mortgage Rates (8/14/2008)
Bargain Hunters Have Field Day With REOs
Mortgage Rates (8/12/2008)
14 Markets With Nowhere to Go but Up
Mortgage Rates (8/11/2008)
A Public Proposal
Mortgage Rates (8/8/2008)
Hard-Won Lessons from a Home Owner
Mortgage Rates (8/7/2008)
8/5/2008 (afternoon)
Avoid Pitfalls When Buying Foreclosures
Mortgage Rates (8/5/2008)
Mortgage Rates (8/4/2008)
Mortgage Rates (8/31/2008)
The Top Percentage Principle of Real Estate Sales
Opt Out Of Direct Mail Lists - At No Cost
Mortgage Rates (8/1/2008)
Mortgage Rates (7/31/2008)
July 2008
President Signs Historic Housing Bill!!
Strategic Defense Program Article: Understanding the Foreclosure Process
Mortgage Rates (7/30/2008)
Short Sale Information
Mortgage Rates (7/29/2008)
HR 3221, the Housing and Economic Recovery Act of 2008
Congress Ready to Nix Seller-Financed Loans
Mortgage Rates (7/28/2008 part 2)
Should You Have Your Ducts Cleaned?
Mortgage Rates (7/28/2008)
Mortgage Rates (7/25/2008)
Banks miss an easy housing fix
Mortgage Rates (7/24/2008)
Mortgage Rates (7/23/2008)
Fearless in this market
Star on Home Improvement TV
Mortgage Rates (7/22/2008)
Mortgage Rates (7/21/2008 part 2)
Real Estate Market News
Thoughts on the market
Mortgage Rates (7/21/2008)
Cultivating Your Self-Esteem
Mortgage Rates (7/18/2008)
Mortgage Rates (7/17/2008)
Advice for Anyone Facing Foreclosure
Traitor Greenspan Urges Gulf States To Abandon Dollar
Mortgage Rates (7/16/2008)
Fed Issues New Lending Rules
June Covina Home Prices
IndyMac Bank Info
Entry Level Housing Affordability Rises
Mortgage Rates (7/15/2008)
Mortgae Rates (7/14/2008 part B)
Affordable Homes Aren't the Only Answer
Mortgage Rates (7/14/2008)
10 Things Authentic Leaders Do
10 Best Cities to Live, Work, Play
Mortgage Rates (07/11/2008)
What to do in case of an accident or loss
8 Skills Every Home Owner Should Master
Mortgage Rates (7/10/2008)
Simple Fix-Ups Pay Off Big for Sellers
Mortgage Rates (7/9/2008)
Mortgage Rates (7/8/2008)
Mortgage Rates (7/7/2008 part 2)
Mortgage Rates (7/7/2008)
The Bridge Builder
Tips for Low Cost Staging
Mortgage Rates (7/3/2008)
Mortgage Rates (7/2/2008)
Tips for Easing Pet Problems in Real Estate
Mortgage Rates (7/1/2008)
June 2008
CHP Wireless Telephone Laws FAQs
Home Gyms: Remodeling Not Required
Mortgage Rates (6/30/2008 part 2)
Mortage Rates (6/30/2008)
Making the Most of Today
Mortgage Rates (6/27/2008)
Property tax reassessments
How is the Seller's Credit Effected By a Shortsale?
Mortgage Rates (6/26/2008)
Mortgage Rates (6/25/2008)
How Low Can Home Prices Go?
How do you justify the list and sale price for a short sale?
Mortgage Rates (6/24/2008)
Don't Rush Home Decorating
Mortgage Rates (6/23/2008 part 2)
Mortgage Rates (6/23/2008)
Do Air Purifiers Really Work?
Mortgage Insurers: Defaults Drop
What time is it?
Are We Really Trying? Excerpt from The Gift of Change
Mortgage Rates (6/19/2008)
Drop Price and Sell, or Find a Renter?
Stimulus Check Deals
Qoutes to think about
Mortgage Rates (6/18/2008)
FHA Loans Emerge From the Sidelines
Lenders Agree to Increase Anti-Foreclosure Efforts
Mortgage Rates (6/17/2008)
Morgage Rates (6/16/2008 part 2)
Mortgage Rates (6/16/2008)
Mortgage Rates (6/13/2008)
Getting Better Mileage from Your Gasoline
Mortgage Rates (6/12/2008)
Contractor Horror Story
Essential Do's and Don'ts for Choosing the Right Contractor
2008 Consumer Advertising Campaign
Mortgage Rates (6/10/2008)
Pending Sales Up 6.3% in April
Is It Time For A Hair Cut?
Mortgae Rates (6/9/2008 update)
Mortage Rates (6/9/2008)
Mortgage Rates (6/5/2008)
Mortgage Rates (6/4/2008)
Talking Points (1)
Markets That Are Doing Just Fine, Thanks
Mortgage Rates (6/3/2008)
Existing-Home Sales - April 2007
Mortgage Rates (6/2/2008)
Foreclosure Solutions for Homeowners
Visualize your outcome
California Home Price Data for April 2008
Can See Where Your Tax Money Goes
May 2008
The First $2-Billion Home Is Coming
Overpricing is a two-edge sword
Mortgage Rates (5/30/2008)
Mortgage Rates (5/29/2008)
Fannie Mae Scraps Declining Markets Policy
Mortgage Rates (5/28/2008)
Mortgage Rates (5/27/2008 B)
Mortgage Rates (5/27/2008)
Big-City Home Prices Are Faring Well
The Priceless Gift
Sales of Gas Cap Locks on the Rise
e-mail scams
Mortgage Rates (5/23/2008)
Mortgage Rates (5/22/2008)
Fannie Mae Changes Policy and Pricing on "Conforming" Jumbos
Mortgage Rates (5/21/2008)
U.S. Senate Strikes Housing Rescue Deal
Mortgage Rates (5/20/2008)
As ARMs reset, little of the expected chaos is coming to fruition
Mortgage Rates (5/19/2008 continued)
Mortgage Rates (5/19/2008)
Forgive and Live
Elimination of Freddie Mac's Declining Market Policy
Mortgage Rates (5/16/2008)
The Housing Crisis Is Over
Mortgage rates (5/15/2008)
NAR: Prices Up in 1 of 3 Metro Areas
Mortgage Rates (5/14/2008)
Expect a Summer Rise in Home Sales
Mortgage rates (5/13/2008)
Affordability Improves for New Buyers
Mortgage Rates (5/12/2008)
Have you heard this quotation for Anais Nin?
Mortgage Rates 5/9/2008
Why Selling Now May Make Sense
Financing opinion 5/8/2008
Affordable Ways to Makeover Bathrooms
Sales Tips: How to Seal the Deal
Fed cuts again
Financing opinion 5/7/2008
Return RequiredTo Break Even On Losses
Buffett Does His Part to Keep Rates Stable
Financing opinion 5/5/08
School data
Happiness as a Priority
Charles Schultz Philosophy
Annual asking price change - selected areas
Hints for buying a foreclosure
April 2008
4 Things to Consider Before Buying a Timeshare
Bush Administration to Expand Mortgage Help for Struggling Families
Beauty In The Beast
Buy Now, says Foreclosure Expert
Housing cost with transportation cost
Nehemiah Downpayment Assistance Program
Consumer's Guide To Reverse Mortgages
Thinking Points For Sellers
Thinking points for buyers
National Association of Realtors - Pending Home Sales Index - February 2008
The foreclosure bargain hunt
Tap Today's Housing Opportunity
Mortgage Related Resources
Special FHA Purchase Financing
Lending Standards Will Stay Tight
New Appraisal Rules for Freddie, Fannie
CAR February Home Sales Report
Curb Appeal Sells Homes, Survey Says
There are several organizations trying to help homeowners avoid foreclosure
March 2008
Low-Cost Kitchen Updates
Jumbo loan rates still in the air - A trade group plan could mean the mortgage rates might stay higher than borrowers expect.
Jumbo Loan Rates to Climb Higher
Avoid Fraud In Foreclosure
Tips for Buying a Home at Auction
Why Now is a Smart Time to Buy
When Deciding To Become Landlord
Seek Property Bargains for Your IRA
FREE Ticket To Southern California Home Buyer's Fair
Why the Fed's rate cuts won't help you
Fed cuts key rates three-quarters of a point -
Foreclosure Scam
Getting the Most From an Architect
Most major lenders are freezing access to Home Equity Lines of Credit (HELOCs)
Just Listed! 157 W REDWOOD CT Covina, CA 91723
Low Rate Credit Cards
California Home Prices - January 2008
Roughly half of metropolitan areas continued to show rising home prices in the fourth quarter of 2007, according to the latest quarterly survey by the NATIONAL ASSOCIATION OF REALTORS®.
Leap Years - Why We Have Them
FHA Mortgage Limits List
Covina - February 2008 Real Estate Sales Activity
Government Announces Conforming Loan Limit Increases
Short Sales
Today's Interest Rates
How to Reduce Homebuying Stress
Getting a Mortgage Loan
February 2008
Cities Where Values Have Fallen the Most
Credit Repair Eases Home Buying
Our New Baby
A Lifeline to Struggling Borrowers?
Compare Title Policy Rates
Earthquake Preparedness
Stimulus Package Has Been Signed
Mortgage Company Failures
Troubled Borrowers Don't Know Lender Help Exists
FICO Scoring System Gets Redesign
Sell Your Home Fast In A Slow Market
Stimulus to Benefit Jumbo Borrowers
Congress Sends President Stimulus Package -- Final Bill Includes Increased Loan Limits
Interest rates 2/4/2008
2007 Existing-home Sales Fifth Highest
December California Home Sales Report
Loan Write Offs
Great News About Loans
January 2008
Mortgage and Real Estate Update / Good and Bad News
Fed Lowers Rate to 3% as U.S. Expansion Falters
House OKs Lift on Fannie, Freddie Loan Limits
Bernanke to Cut Rates Further, Faster to Buoy Growth
Federal Reserve Web Site
Fed Issues Emergency Rate-Cut
Mortgage Banker's Association's Forecast for 2008
Information Links
REALTOR® Campaign 2008
Avoiding Foreclosure
November Home Sales Date As Reported By The California Association Of Realtors
Investing and the economy and housing
Home Buyers Fair
13 reasons Bush's bailout won't stop recession
Are More Rate Cuts Coming From The Fed???
China and the Arabian Peninsula as Market Stabilizers
California Home Sales Statistics as Released by CAR
Hints when buying a new home
December 2007
Key points of Fed plan
Home Improvement Projects Resale Values
What to Do if Mortgage Lender Closes or Files for Bankruptcy
Just Listed! 913 E. Princeton Street Ontario, CA 91764
New Construction News
Rising Mortgage Fees Push up Closing Costs
Hard Money Loans
Making sense of the alternative minimum tax issue
ID Theft Protection
Ideas For A Downpayment
Decorate on a Dime:7 Tips to Make Your Home Your Castle
Can Mortgages be Saved With IRAs?
Fed cuts key interest rate a quarter-point
Just Listed! 913 E. Princeton Street Ontario, CA 91764
Foreclosure Rates
Foreclosure Process
United States Conference of Mayors Report On: The Mortgage Crisis
Lenders Agree to Freeze Rates on Some Loans
2007 Foreclosure Plan - look for details soon
Government and banks working on a solution to the mortgage crisis (2)
Government and banks working on a solution to the mortgage crisis (1)
California Statistics for October 2007
Home Price Changes
California lenders agree to freeze rates
November 2007
City of Covina - City View Newsletter
It's harder than ever to get loans
Home Prices and Equity
Condo Buyers Should Do Their Research
Conforming Loan Limits
Ways to Get Good Foreclosure Deals
Just Listed! 4572 Alondro Dr Riverside, CA 92509
Our Thoughts On Home Values ...
Home Values
Covina - October 2007 - Home Sales Activity and Statistics
LA Times - Real Estate and Home Improvements - Two Good Blogs
Just Listed! 510 Laurel Way La Habra, CA 90631
Happy Birthday - United States Marine Corps
New FHA Legislation Working It's Way Through Congress
California - September - Home Sale Figures
October 2007
September California Regional Home Sales
California Fires, Insurance, and FEMA
Real Estate and the Economy
Recent sales activity in Southern California.
C.A.R's California Housing Market Forecast for 2008
Worried about that adjustble rate mortgage? There are solutions!
September 2007
First time home buyer programs
FHA To The Rescue - This May Be The Help You Need
August 2007
Interesting FED action today
More on loans
Just Listed! 10712 Knott Av Stanton, CA 90680
June 2012 (2)
May 2012 (1)
April 2012 (6)
March 2012 (6)
February 2012 (10)
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