Congress raiding FNMA coffers to pay for Unemployment Benefits Extension

The problem with a tax like this is where to get the money. No problem. We’ll just go to Fannie Mae and Freddie Mac. You know, those two companies that are totally kicking ass right now making more money than any other government agency (thanks to their conservatorship), that a bunch of congress people want to tear down. Yeah, that company.

How does Fannie Mae and Freddie Mac pay for the Unemployment Extension Tax?

A G-Fee hike of course. Thank goodness Mr. Mel Watt has a temporary hold on it right now as he wants to evaluate it. But, rest assured, it’s probably going to happen. We just find it strange that the place they go to get the tax satisfied is the very place that they feel should be terminated as soon as possible.
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How do you feel about future homeowners paying for the Unemployment Extension Tax? Let us know down below.

READ MORE

via Homeowners to Cover Unemployment Extension | National Real Estate Post.

Unintended Consequences of mortgage reform

The switch to self-employment has mortgage implications

Despite excellent credit, it’s still possible to be turned down for a mortgage due to new rules on verifying that borrowers have the ability to pay.

By Lew SichelmanJanuary 12, 2014, 5:00 a.m.

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I am an unintended consequence.

I have loads of money. I own four properties free and clear. I have no debt. My credit file is impeccable. I have a credit score of 760.

And I was just turned down for a mortgage.

Not just any mortgage, but a cash-out refinance of less than six figures on a foreclosure I bought for cash, rehabbed and turned back on the market as a rental. Furthermore, I was only asking for a loan-to-value ratio of 70%, meaning I was leaving 30% of the home’s value as equity. And I was rejected.

http://www.latimes.com/business/realestate/la-fi-lew-20140112,0,7530878.story#ixzz2qOftRVKS

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The #1 Reason You Should Sell Now | Keeping Current Matters

The KCM Crew gives compelling evidence why putting your house on the market now is a good idea:

The price of any item (including residential real estate) is determined by ‘supply and demand’. If many people are looking to buy an item and the supply of that item is limited, the price of that item increases.

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Buyers in the market during the winter months are truly motivated purchasers. They want to buy now. With limited inventory available in most markets currently, a seller will be in a great position to negotiate.

via The #1 Reason You Should Sell Now | Keeping Current Matters.

Big changes in the mortgage biz – G Fees, Loan Max, Fed Tapering and QM

Some very important mortgage news has come about since we flipped the calendar to January. Check out the finer points:

A few weeks ago we heard about changes Fannie Mae and Freddie Mac were making to Loan Level pricing adjustments. Potential home owners without a big down payment and perfect credit would be paying quite a bit more on conventional loans. It’s now official: Mel Watt, the new FHFA Director, has now directed the GSEs (Fannie/Freddie) to delay implementation of the G fee and Loan Level Price Adjustments (LLPAs) changes. A review is pending to determine the effect on availability of credit. Without the delay, rates would have gone up 0.5% – 0.75% for most borrowers as a result.

FHA lowered the max loan amounts in some areas, but for those in Dallas, Tarrant, Collin, and Denton Counties, max amounts have gone up! It’s now $287,500, so you can be looking for homes up to $298,000. Minimum down payments on FHA loans is 3.5% of the sales price and can be gifted from a family member.
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Tapering has Begun. Every month, our government has been putting 85 billion dollars into mortgage backed securities and bonds to artificially keep interest rates low along with the hope of improving the housing market. Now that it’s looking better, the tapering of that amount has started, with the first step being 10 billion less per month, which will gradually go down over time. Soon the artificial influence of keeping interest rates down will, of course, taper. Interest rates will go up as a result.

QM (Qualified Mortgage), QRM (Qualified Residential Mortgage) and ATR (Ability To Repay) goes into effect at midnight on the 10th of January. You can expect an all-new underwriting framework for residential mortgage lending. Investors may end up suddenly adjusting based on these new rules. How it will turn out is up in the air. Be very aware of possible sudden changes coming VERY SOON!

How Your VantageScore Credit Report Is Calculated – Forbes

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Don’t wait for Spring, now is the time to buy or sell a home.

Many sellers feel that the spring is the best time to place their home on the market as buyer demand increases at that time of year. However, the fall and winter have their own advantages. Here are five reasons to sell now.

Only Serious Buyers Are Out

At this time of year, only those purchasers who are serious about buying a home will be in the marketplace. You and your family will not be bothered and inconvenienced by mere ‘lookers’. The lookers are at the mall or online doing their holiday shopping.

There Is Far Less Competition

Housing supply always shrinks dramatically at this time of year. The choices for buyers will be limited. Don’t wait until the spring when all the other potential sellers in your market will put their homes up for sale.

The Process Will Be Quicker

One of the biggest challenges of the 2013 housing market has been the length of time it takes from contract to closing. Banks have been inundated with both purchase and refinancing loan requests. Both of these will slow in the winter cutting timelines and the frustration these delays cause both buyers and sellers.

There Will Never Be a Better Time to Move-Up

If you are moving up to a larger, more expensive home, consider doing it now. Prices are projected to appreciate by over 25% from now to 2018. If you are moving to a higher priced home, it will wind-up costing you more in raw dollars (both in down payment and mortgage payment) if you wait. You can also lock-in your 30 year housing expense with historically low interest rates right now. There is no guarantee rates will remain at these levels in years to come.

It’s Time to Move On with Your Life

Look at the reason you decided to sell in the first place and decide whether it is worth waiting. Is money more important than being with family? Is money more important than your health? Is money more important than having the freedom to go on with your life the way you think you should?

You already know the answers to the questions we just asked. You have the power to take back control of the situation by pricing your home to guarantee it sells. The time has come for you and your family to move on and start living the life you desire. That is what is truly important.

http://www.keepingcurrentmatters.com/2013/11/19/5-reasons-to-sell-before-spring
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