Articles

Fannie and Freddie Increase Their Risk-Based Pricing Overlays

posted on March 14, 2011

Shopping for a mortgage rate has just become a bit more difficult. In 2008, both Fannie Mae (FNMA) and Freddie Mac (FHLMC) created and implemented Risk-Based Pricing Overlays that affected …

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An Open Letter to Elizabeth Warren

posted on February 26, 2011

(Elizabeth Warren is the Harvard Law Professor chosen by President Obama to launch the new Consumer Financial Protection Bureau.) Dear Ms. Warren, Congratulations on being hand-picked by …

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A Tale of ANOTHER Two Borrowers (also based on a true story)

posted on February 12, 2011

Borrower “A” owned a two-family house on Long Island. Since rates were low, he wanted to refinance. He called his bank and received a rate quote. Thinking rates were going to drop more, he decided to …

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Bank of America Cuts Grace Period For Mortgage Payments

posted on January 29, 2011

If you're like most people, your mortgage is due on the first of the month. But your lender gives you until the fifteenth to make your payment before you incur a late fee. Bank of America is …

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A Tale of Two Borrowers (based on a true story)

posted on January 29, 2011

Borrower “A” owned a home on Long Island. His house was worth $2M, his mortgage balance $700K, and he had good credit. He figured refinancing his mortgage would be easy; so he called the phone number …

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Debt & Equity Management. The Missing Piece of the Wealth Accumulation Puzzle

posted on January 15, 2011

Most Americans have the goal of owning their home free and clear. The “benefits” of eliminating their mortgage as quickly as possible have been programmed into them for generations. Many prefer 15 …

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