From the category archives:

Refinancing

Are new regulations causing home prices to decline?

Since May 1st, 2009, all mortgage loans that were sold to Fannie Mae or Freddie Mac, the government run mortgage giants, have had to comply with a new regulation, the HVCC, or Home Valuation Code of Conduct.  This regulation is leading to an unintended consequence of declining home values. The regulation, along with lender’s underwriting [...]

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The Future of Jumbo Mortgages

What is it going to take to improve rates on jumbo mortgages in Charlotte? You may be surprised to know that the solution isn’t really in the hands of banks or the Federal Reserve. It depends on how these mortgages are securitized and on Bond Investors appetite for risk / returns. Image via Wikipedia Today, [...]

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10 Things to Do in 2010 – Part Two

Yesterday I published a list of things to do in 2010.  Today, I’m adding a few more comments to the remaining things to do.Here is a list of ten things you should consider doing in 2010 to get on better footing financially this year: Build an Emergency Fund Pay off any debts that aren’t increasing [...]

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You Snooze, You Lose

False Illusions and What You Need to Know Homebuyer Alert… For prospective homebuyers who are on the fence about making a home purchase, the next few months represent a countdown of sorts for two reasons. The first of these, the coming expiration of huge tax incentives, may be a bit more obvious to most borrowers. [...]

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What is going on with Jumbo Mortgages in Charlotte?

A frequent question I get – what is the Jumbo Mortgage market like? Over the past year, those who qualified for loans that conformed to Fannie Mae guidelines (Conforming loans), saw very low interest rates and pretty streamlined approvals – you just needed to have documented income, a down payment of 3.5% to 20%, and [...]

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