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Bankrate.com Mortgage Trend Index (November 20, 2008)

I am a regular participant in the Bankrate.com Mortgage Rate Trend survey and this week's survey is now available. The Bankrate.com survey is for conforming mortgages only and does not apply to FHA mortgages, VA mortgages, or jumbo mortgages. Show More Summary

How High-Income Individuals Can Prepare For Mortgage Lending's Next Hurdles

Four times annually, the Federal Reserve surveys 84 banks around the country regarding their general lending standards. One of the survey questions asks about current mortgage lending standards and whether it's getting harder, or easier, to get approved for a home loan. Show More Summary

Bankrate.com Mortgage Trend Index (November 13, 2008)

I am a regular participant in the Bankrate.com Mortgage Rate Trend survey and this week's survey is now available. The Bankrate.com survey is for conforming mortgages only and does not apply to FHA mortgages, VA mortgages, or jumbo mortgages. Show More Summary

For Home Buyers, The Window To Negotiate With Sellers May Be Closing

If home prices are all about Supply and Demand curves, it looks like the national recovery is well-underway -- the housing inventory is falling in most major markets. As reported by ZipRealty, the number of single-family homes for sale nationwide declined by 1.6 percent in October. Show More Summary

The 2009 Conforming Loan Limits Show No Change From 2008, 2007 or 2006

When you're looking for low rates on a 30-year fixed rate mortgage, the cheapest place to find it is usually the conforming mortgage market. Conforming mortgages are appropriately named; they "conform" to the mortgage underwriting guidelines of Fannie Mae or Freddie Mac. Show More Summary

Understanding The Bailout (Part Nine) - The Paulson Plan

A New Post By The Mortgage CiceroneA Guide for Mortgage Professionals Read other posts by The Mortgage Cicerone What Paulson wants to do and some possible pitfalls behind it. Subscribe to The Mortgage Cicerone

Understanding The Bailout Plan (Part Eight) - Systemic Risk to Market

A New Post By The Mortgage CiceroneA Guide for Mortgage Professionals Read other posts by The Mortgage Cicerone How banks are inter-connected and what happens when one bank fails. Subscribe to The Mortgage Cicerone

Bankrate.com Mortgage Trend Index (October 30, 2008)

I am a regular participant in the Bankrate.com Mortgage Rate Trend survey and this week's survey is now available. As a reminder: The survey is for conforming mortgages only. Send me an email for an actual rate quote. I send 140-character market updates on Twitter a few times daily. Show More Summary

Understanding The Bailout Plan (Part Seven) - Bank Goes Into Bankruptcy

A New Post By The Mortgage CiceroneA Guide for Mortgage Professionals Read other posts by The Mortgage Cicerone What happens when there is no equity infusion and the bank goes in to bankruptcy. Subscribe to The Mortgage Cicerone

Parsing The Fed (October 29, 2008 Edition)

The Federal Open Market Committee voted to cut the Fed Funds Rate by one-half percent today. The benchmark interest rate now stands at 1.000 percent. Now, many people assume that because the Fed Funds Rate fells, mortgage rates fell, too. Show More Summary

How Cutting The Fed Funds Rate Helps The U.S. Economy

The Federal Open Market Committee adjourns from its 2-day meeting today after which the FOMC will issue its customary press release. The majority of Wall Street expects a Fed Funds Rate cut to 1.000 percent -- the lowest level since June 2004. Show More Summary

Understanding The Bailout Plan (Part Six) - Getting an Equity Infusion

A New Post By The Mortgage CiceroneA Guide for Mortgage Professionals Read other posts by The Mortgage Cicerone Subscribe to The Mortgage Cicerone

Google gets mortgage lecture

I recently visited Google’s headquarters in Mountain View to talk about my book for an hour and answer questions. I confess I was a little nervous, but after it was over about a dozen people waited in line for me to sign a copy of the book, so I felt like a minor celebrity (of [...]

Understanding The Bailout Plan (Part Five) - How Banks Liquidate Assets

A New Post By The Mortgage CiceroneA Guide for Mortgage Professionals Read other posts by The Mortgage Cicerone How banks liquidate assets to pay off debt that comes due. Subscribe to The Mortgage Cicerone

Where To Find Mortgage Rates Clues Amid A Global Stock Selloff

I've been getting a disproportionate amount of "Where do you think mortgage rates are headed"-like questions from my clients lately. If you're among the curious, ask your mortgage market question aloud, then click the "Shake Me" button on the Magic 8-Ball at right. Show More Summary

Understanding The Bailout Plan (Part Four) - Mark-to-Model vs. Mark-to-Market

A New Post By The Mortgage CiceroneA Guide for Mortgage Professionals Read other posts by The Mortgage Cicerone. Understanding the accounting variations for valuing an asset. Mark-to-model vs. mark-to-market. x Subscribe to The Mortgage Cicerone

Bankrate.com Mortgage Trend Index (October 23, 2008)

I am a regular participant in the Bankrate.com Mortgage Rate Trend survey and this week's survey is now available. As a reminder: The survey is for conforming mortgages only. Send me an email if you'd like an actual rate quote. I send 140-character market updates on Twitter a few times daily. Show More Summary

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