Real estate industry last year! Current turmoil in financial markets, particularly real estate and home buying process to the mortgage market and bought several questions about the origination of the loan. Instead of repeating everything we hear on the news for trying to place blame for the current environment, I share my thoughts and how it has changed me want to loan origination business.
There are always questions to be prepared when things go wrong is going en masse. I "The Internet boom and bust" a Wall Street trading boutique outside New York City as a stock broker during the saw. Then, the "investors" were quitting their jobs, their two homes in three days time the stock market to trade pledge. That can go wrong? A morning and afternoon to buy a stock at 20% -30% or even more to be sold! It was really crazy. All for a public company was not just an "Internet strategy was announced and the stock 100%, 200% or even days increased 300%. Not months or years to the day.
For example, I remember a million books I owned it, yes I was drunk in the hype as well. $ 3 range and a $ 40 range business books a million in business within months. Not long after it was back to $ 1 range, 75% lower than where it is pre-Internet business. But hey, at least they are still around, right? There are not hundreds of companies from that era. I words can not express enthusiasm during this time. Ring a bell?
What should we learned?
First and foremost we plan and learned the importance of dealing with a professional planner should have. Whether it is financial planning, mortgage planning, estate planning or tax planning or other professional service to clients who sees the overall situation and the professional planners include specific recommendations or products that customers with overall financial objectives correlate is grappling with is always the best way and always cheaper in the long run.
Cost, time required
It is my experience that's worth the time and need the top three reasons people planning the route is not known. They think that the service (they did not agree) are expensive, they believe that they do not have time or they think they do not have particular service provided. I a wide range of clients why mortgage planning is extremely important to use some real life examples would. So, the next few issues of my newsletter that I have or plan the route does not go away with what they thought was the real-life examples will give the cheapest, was better or easier way.
Down payment, to put down or not put down
In April 2006, I have a potential customer that their purchase of northern Virginia, where the loan through the 1 / 3 of the way and had contacted me because he was a better rate to come in contact with. I speak with him some time and the information we need to get together after spending time getting laid. My oldest son, Bennie, a man with a planned night out to see Washington Wizards play the pre-game and told him that I can stop. This particular transaction was buying a condo for $ 435,000 and put 20% down at $ 2,100 was paid to keep.
I recommend:
An interest only option with a $ 348,000 6.875% and a total payment of $ 87,000 to $ 2,646 a month before other mortgages. I recommended it to put my financial planning partner with the $ 87,000 income and 0% vs 8-10% deposit on the house. Now, the payment is $ 500 per month for what he wanted to spend but it is more than the strength within and also I have to say that my rate was higher, no money down because of what He was quoted on down to 20%. With my recommendation is to collect out of his $ 110,466.91 mortgage and $ 2,000 per year will receive additional tax savings. Needless to say, he had nothing against the proposal so far, he thought of the process, a switch to another lender.
Fast forward 12 months:
We talk again after the April and he wants to refinance. I get all the numbers in Northern Virginia to call my appraiser will appraise the property for only $ 350,000% 2B / -. Wow. So we see in this particular instance, he paid down and profits of $ 110,466.91 and additional tax savings lost $ 4,000. Only known fact is that it take years to recoup the down payment that was lost will.
Now, what position would have been better? 100% mortgages will be the best thing to home. What happens if there is a job loss can not be paid and paid? Who's got skin in the game more? If you are a victim Katina, a California fire victims or victims of a disability or was just a job loss. Would you rather detailed mortgage your house or 20%, 50% or more equity? What in your home or want all your money in your pocket?
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Monday, October 18, 2010
Saturday, October 16, 2010
Foreclosures - Is the State of Virginia Doing Enough?
According to the Pew Research Center, the State of Virginia is expected to suffer a rather hard blow of foreclosure activity. 1 in 33 houses in Virginia will suffer foreclosure activity by 2010. Although only 23 percent of all the loans made were "sub-prime", the foreclosure problem is expected to affect as many as 43 percent of the state's homeowners with regard to a decrease in property value. This simply means that almost half of the properties in the State will see a reduction in value. The PEW Study was released in April of 2008.
It is expected that almost $ 7 billion will be lost from the local and state tax base combined. This will of course affect municipal budgets across the board.
Although no States anticipated the magnitude of the foreclosure problems, Virginia seems to have a more severe challenge than other states.
According to Realtytrac.com Virginia is 15th in the nation relative to foreclosure activity, and the pace appears to be accelerating, not only in Virginia, but across the Nation.
As of the study date, the State has done little to address the challenge which is rated to be very severe as compared to other states. The only action that has been taken is the formation of a "task force". Other States seem to be more proactive.
Although counseling sessions have been set up across the State, "walk-ins" are not assured a face to face meeting. This surely will discourage last minute walk-ins and families who need help. Families under financial stress are usually in a state of denial and typically need encouragement in seeking help. These counseling sessions seem to be "too little too late". Approximately 70% of homeowners in trouble do not seek help because they are in denial, are embarrassed, or simply are not aware of the help that is available.
Virginia has one of the fastest acting foreclosure processes in the Nation. Virginia foreclosures, if uncontested, can occur in approximately 90 days, with no right of redemption unlike other States. In comparison, New York and Massachusetts is considering legislation to stall the foreclosure process. New York is one the longest, with the process taking approximately 445 days. Delay may not be the right way to handle the problem, but at least it sparks debate about solving the problem of foreclosure.
Virginia appears to have fallen into the "Ostrich" scenario and is not aggressively defending itself against what is inevitably going to be a huge blow to the State and Local government's tax base and revenue stream. As the values come down, so does the tax base. At that point, it may be too late and Government services may have to be cut back drastically due to lack of tax revenue.
The Federal government is too bureaucratic and always too slow to act and with National foreclosures coming in at over 5,000 per day. The Feds are acting too slowly on this matter and the States must act independently and respond quickly.
The following actions are being addressed more aggressively by other states:
o State-funded refinance programs
o Encouraging loan modification
o Prevention of rescue scams
o Encourage programs that provide mortgage counseling
o Legislation of high cost lending laws
o Aligning mortgage brokers/lenders to consumer interests
Rescue scams are adding to the problem and must be handled accordingly. Although there is legislation in force, consumers are still becoming victims of various scams. Communication of rescue scams and fraud to the public, by the media, is not aggressive enough.
Virginia is high on the list of mortgage fraud states and its citizens are not being protected even after the fact. The fraud and scam problem is so severe across the nation, that the FBI is redirecting its agents from other financial crimes to focus on mortgage related problems. The FBI however, is running short on manpower. The State must step up to the plate and tackle this problem aggressively to prevent further financial damage to individuals, as well as the taxpayers of the State of Virginia.
It seems as though Virginia legislators have been and are still "asleep at the switch" with regards to protecting consumers from predatory lending and subsequent frauds and scams.
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It is expected that almost $ 7 billion will be lost from the local and state tax base combined. This will of course affect municipal budgets across the board.
Although no States anticipated the magnitude of the foreclosure problems, Virginia seems to have a more severe challenge than other states.
According to Realtytrac.com Virginia is 15th in the nation relative to foreclosure activity, and the pace appears to be accelerating, not only in Virginia, but across the Nation.
As of the study date, the State has done little to address the challenge which is rated to be very severe as compared to other states. The only action that has been taken is the formation of a "task force". Other States seem to be more proactive.
Although counseling sessions have been set up across the State, "walk-ins" are not assured a face to face meeting. This surely will discourage last minute walk-ins and families who need help. Families under financial stress are usually in a state of denial and typically need encouragement in seeking help. These counseling sessions seem to be "too little too late". Approximately 70% of homeowners in trouble do not seek help because they are in denial, are embarrassed, or simply are not aware of the help that is available.
Virginia has one of the fastest acting foreclosure processes in the Nation. Virginia foreclosures, if uncontested, can occur in approximately 90 days, with no right of redemption unlike other States. In comparison, New York and Massachusetts is considering legislation to stall the foreclosure process. New York is one the longest, with the process taking approximately 445 days. Delay may not be the right way to handle the problem, but at least it sparks debate about solving the problem of foreclosure.
Virginia appears to have fallen into the "Ostrich" scenario and is not aggressively defending itself against what is inevitably going to be a huge blow to the State and Local government's tax base and revenue stream. As the values come down, so does the tax base. At that point, it may be too late and Government services may have to be cut back drastically due to lack of tax revenue.
The Federal government is too bureaucratic and always too slow to act and with National foreclosures coming in at over 5,000 per day. The Feds are acting too slowly on this matter and the States must act independently and respond quickly.
The following actions are being addressed more aggressively by other states:
o State-funded refinance programs
o Encouraging loan modification
o Prevention of rescue scams
o Encourage programs that provide mortgage counseling
o Legislation of high cost lending laws
o Aligning mortgage brokers/lenders to consumer interests
Rescue scams are adding to the problem and must be handled accordingly. Although there is legislation in force, consumers are still becoming victims of various scams. Communication of rescue scams and fraud to the public, by the media, is not aggressive enough.
Virginia is high on the list of mortgage fraud states and its citizens are not being protected even after the fact. The fraud and scam problem is so severe across the nation, that the FBI is redirecting its agents from other financial crimes to focus on mortgage related problems. The FBI however, is running short on manpower. The State must step up to the plate and tackle this problem aggressively to prevent further financial damage to individuals, as well as the taxpayers of the State of Virginia.
It seems as though Virginia legislators have been and are still "asleep at the switch" with regards to protecting consumers from predatory lending and subsequent frauds and scams.
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Thursday, October 14, 2010
Refinance Mortgage Loan Compared With Home Equity Loan
Both refinance home mortgage loans and home equity loan allows cashing out equity in a property. However, they are different types of loans, serve different needs.
Refinancing mortgage loans with a new and better is to replace the existing mortgage. Refinancing mortgage loans aimed mainly at interest rates and monthly payments on a mortgage. With mortgage refinancing to switch procedure, provided there is equity in the property during some cash by getting a larger mortgage may be taken out. Mortgage refinancing is a general closing costs and fees you pay is similar to. Over a period of low interest rates refinancing works well. Homeowner existing high interest mortgage with a home improvement place can take advantage of lower rates. Interest on the mortgage on the house of the process will be less. In fact, borrowing and personal loans including credit card bills with new mortgage loans can pay. Making the total interest rate and monthly loan payments can be lower than.
In order to be beneficial to refinance mortgages, home owner to refinance closing costs and fees paid during the recovery process and start saving real money in the property couple of years at least need to be.
Home equity loans home owner is required to pay the existing mortgage. As they cash out second mortgages are taken on top of the existing mortgage. The interest rates and repayment terms with the existing mortgage is insulated. Fees and closing costs on home equity loans mortgage refinancing are much lower than. On the other hand refinance mortgage loans offered at interest rates will be lower than home equity loans.
Home equity loan work out for a period of high interest rates, especially when current mortgage rates are offered lower rates than at present could be better. Home owner who needs cash and wants to tap into home equity to get cash at high interest period just need extra cash can get in the way of borrowing. As a stand alone home equity loans are loans, these loans can be paid different home mortgages. If the home owner sold it for a higher price can be sold shortly before the house can improve. If the house is being sold in the near future, home equity loans would be a better choice.
Deciding which financing option to choose, consider the purpose of the loan. If the applicant wants to stay in the mortgage property, but mortgage interest rates or adjustable rate mortgage to fixed rate mortgages have to change your mortgage, refinance mortgage serves the purpose. A short period of time required for a small amount of cash, a home equity loan for this purpose would be much cheaper option is to borrow the. Home owners should consider how long to be taken home to. If the property is being sold shortly after mortgage refinancing, home owners, plus the cost of paying off during the refinancing process can be due to loose.
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Refinancing mortgage loans with a new and better is to replace the existing mortgage. Refinancing mortgage loans aimed mainly at interest rates and monthly payments on a mortgage. With mortgage refinancing to switch procedure, provided there is equity in the property during some cash by getting a larger mortgage may be taken out. Mortgage refinancing is a general closing costs and fees you pay is similar to. Over a period of low interest rates refinancing works well. Homeowner existing high interest mortgage with a home improvement place can take advantage of lower rates. Interest on the mortgage on the house of the process will be less. In fact, borrowing and personal loans including credit card bills with new mortgage loans can pay. Making the total interest rate and monthly loan payments can be lower than.
In order to be beneficial to refinance mortgages, home owner to refinance closing costs and fees paid during the recovery process and start saving real money in the property couple of years at least need to be.
Home equity loans home owner is required to pay the existing mortgage. As they cash out second mortgages are taken on top of the existing mortgage. The interest rates and repayment terms with the existing mortgage is insulated. Fees and closing costs on home equity loans mortgage refinancing are much lower than. On the other hand refinance mortgage loans offered at interest rates will be lower than home equity loans.
Home equity loan work out for a period of high interest rates, especially when current mortgage rates are offered lower rates than at present could be better. Home owner who needs cash and wants to tap into home equity to get cash at high interest period just need extra cash can get in the way of borrowing. As a stand alone home equity loans are loans, these loans can be paid different home mortgages. If the home owner sold it for a higher price can be sold shortly before the house can improve. If the house is being sold in the near future, home equity loans would be a better choice.
Deciding which financing option to choose, consider the purpose of the loan. If the applicant wants to stay in the mortgage property, but mortgage interest rates or adjustable rate mortgage to fixed rate mortgages have to change your mortgage, refinance mortgage serves the purpose. A short period of time required for a small amount of cash, a home equity loan for this purpose would be much cheaper option is to borrow the. Home owners should consider how long to be taken home to. If the property is being sold shortly after mortgage refinancing, home owners, plus the cost of paying off during the refinancing process can be due to loose.
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Tuesday, October 12, 2010
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Saturday, October 9, 2010
Demand for Rental Housing Outstrips Supply
Winkworth’s latest quarterly review analysing trends and the outlook for the UK residential property sales and lettings markets, shows that tenant registrations soared over July and August, finishing 47% up on May, and the number of potential renters in August was up 14% on last year. In contrast, the number of rental properties on the market in August was over 50% lower than a year ago.
Dominic Agace, CEO of M Winkworth Plc, said that this shortfall in supply has pushed up rents:
“Rentals have seen price increases following a shortfall in investment in the sector by private landlords due to the suspension of buy to let mortgage products over the last two years and the selling off of “accidental landlord” properties. While there has been some renewed supply of buy to let mortgages, these remain expensive for buyers with less than 20% equity, and with the increase in Capital Gains Tax providing a new barrier to investment, ongoing supply constraints will continue to support rents”.
The National Housing Federation recently announced that the average age of a first-time buyer has risen to 43. Lenders’ demands for high purchase deposits mean that increasing numbers of first time buyers are struggling to get mortgages and therefore renting for much longer. As a result, properties are not coming onto the market. Limited buy-to-let mortgage options are also preventing landlords from strengthening their portfolios and bringing fresh stock to the market, so demand continues to outstrip supply.
This increase in demand and shortage of stock has led to a year-on-year rent price increase of 5% which is broadly in line with inflation. But this continued supply and demand pressure is likely to push average rents up further as we move into autumn.
For more information please contact Bola Sodeinde at Winkworth press office on +44 (0) 208 576 5598
Notes to Editors:
About Winkworth
Winkworth is a leading franchisor of residential real estate agencies and is listed on the London Stock Exchange. Established in Mayfair in 1835, Winkworth has a pre-eminent position in the mid to upper segments of the central London residential sales and lettings markets. In total, the company operates from over 80 offices in the UK, France and Portugal, having doubled in size in recent years.
The franchise model allows entrepreneurial professional estate agents to provide the highest standards of service under the banner of a well-respected brand name and to benefit from the support and promotion that Winkworth offers. Franchisees deliver in-depth local knowledge and a highly personalised service to their clients.
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Dominic Agace, CEO of M Winkworth Plc, said that this shortfall in supply has pushed up rents:
“Rentals have seen price increases following a shortfall in investment in the sector by private landlords due to the suspension of buy to let mortgage products over the last two years and the selling off of “accidental landlord” properties. While there has been some renewed supply of buy to let mortgages, these remain expensive for buyers with less than 20% equity, and with the increase in Capital Gains Tax providing a new barrier to investment, ongoing supply constraints will continue to support rents”.
The National Housing Federation recently announced that the average age of a first-time buyer has risen to 43. Lenders’ demands for high purchase deposits mean that increasing numbers of first time buyers are struggling to get mortgages and therefore renting for much longer. As a result, properties are not coming onto the market. Limited buy-to-let mortgage options are also preventing landlords from strengthening their portfolios and bringing fresh stock to the market, so demand continues to outstrip supply.
This increase in demand and shortage of stock has led to a year-on-year rent price increase of 5% which is broadly in line with inflation. But this continued supply and demand pressure is likely to push average rents up further as we move into autumn.
For more information please contact Bola Sodeinde at Winkworth press office on +44 (0) 208 576 5598
Notes to Editors:
About Winkworth
Winkworth is a leading franchisor of residential real estate agencies and is listed on the London Stock Exchange. Established in Mayfair in 1835, Winkworth has a pre-eminent position in the mid to upper segments of the central London residential sales and lettings markets. In total, the company operates from over 80 offices in the UK, France and Portugal, having doubled in size in recent years.
The franchise model allows entrepreneurial professional estate agents to provide the highest standards of service under the banner of a well-respected brand name and to benefit from the support and promotion that Winkworth offers. Franchisees deliver in-depth local knowledge and a highly personalised service to their clients.
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