Refinancing
Buying a Home Without a FICO Score
posted: 436 DAYS 19 HOURS AGO
Nearly every personal finance guru in America will tell you that it's important to build and maintain a high FICO score -- and that good credit is a sign of financial prudence and responsibility. Lenders will reward you for that responsibility with a lower interest rate loan.
The Smart Way to Lend Money to Family and Friends? Don't Do It!
posted: 443 DAYS 18 HOURS AGO
filed under: Recession, Refinancing, Savings Account
Linda Stern of Money has a list of tips on how to lend money to family while avoiding all the headaches that come with it. The ideas are good if you're committed to lending money to relatives (or friends), but I have a better tip: Never lend money to family or friends. Really. It's just not a good idea.
Get Out of Debt the Casey Serin Way
posted: 455 DAYS 16 HOURS AGO
Casey Serin, an infamous online entrepreneur we previously profiled at Walletpop, has come a long way on the dark road of how to get out of debt -- and he still owes $190,000. That's the amount left over after his crazy year of failing to "flip" houses in Sacramento, succumbing to foreclosures and divorce.
A Newsman and His Housing Crisis
posted: 554 DAYS 18 HOURS AGO
filed under: Banking, Credit, Credit Cards, Debt, Fraud, Loans, Mortgages, Recession, Refinancing, Retirement
Edmund Andrews wasn't just reporting on the unfolding subprime-mortgage crisis -- he was also living it. The New York Times's economics writer and the author of the forthcoming Busted: Life Inside the Great Mortgage Meltdown talks to us about how and why he got tripped up by a deal that was too good to be true.
"I have no one to blame but myself for my woes," Andrews tells us. "But it is too easy to snarl in contempt at homeowners who got in over their heads in the housing bubble. I've seen too many people who really were duped by the system, and I've learned too much about how corrupt the system itself had become."
Read on for more of our exclusive interview.
'Times Magazine' on Credit, Foreclosure
posted: 565 DAYS 14 HOURS AGO
filed under: Banking, Checking Account, Credit, Credit Cards, Credit Reports, Credit Score, Debt, Fraud, Mortgages, Recession, Refinancing
AP
On Sunday, The New York Times Magazine will publish its Money Issue, featuring at least two stories virtually guaranteed to spoil your brunch: reporter Edmund L. Andrews's personal tale of his own harrowing misadventures in the subprime-mortgage crisis, and Charles Duhigg's study of what the credit-card companies are doing to track your every move (and figure out whether you've been naughty or nice). Read on.
Countrywide By Any Other Name Is Still...
posted: 581 DAYS 14 HOURS AGO
Getty Images
The ailing Countrywide, rescued by Bank of America, is now to be known as Bank of America Home Loans. But is that really any better in terms of branding, as BofA doesn't have the best reputation now either. What would you call it?
Mortgage Fees Jump to Record Highs
posted: 616 DAYS 17 HOURS AGO
filed under: Home Equity Loan, Home Insurance, Loans, Mortgages, Recession, Refinancing
Interest rates are at record lows, which makes this a pretty fantastic time to refinance. But there's just one problem...find out what it's going to cost you to re-do your loan.
Meet Our Ideal of a Real Estate Agent
posted: 636 DAYS 16 HOURS AGO
Getty Images
Our blogger comes across an agent on TV who might just be the ideal seller and gets his tips on what to look for in your own real estate agent.
Third of Older Boomers in Home Trouble
posted: 639 DAYS 14 HOURS AGO
filed under: Online Taxes, Recession, Refinancing, Retirement
Getty Images
A new study says that 30% of older Boomers owe more on their mortgages than their properties are worth. That spells bad news for a group that will be retiring soon if they haven't already.
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Interest Rates
| Type | Current | APR |
|---|---|---|
| 30 yr fixed mtg | 4.66% | 4.81% |
| 15 yr fixed mtg | 4.03% | 4.38% |
| 3/1 jumbo ARM (interest only) | 6.62% | 4.11% |
| 5/1 ARM | 3.46% | 3.30% |
| 5/1 ARM (interest only) | 3.48% | 3.44% |
Buyer Beware: 6 Types of Sellers Who Don't Have to Disclose Home's Flaws
No home is perfect -- not even the brand new ones. But every buyer has a different threshold for what property defects or...
Linda DoellDec 1st 2010 @ 11:15AM Filed Under: Family Money, Real Estate, Travel, Fraud, Consumer Ally
BlueGreen Pays Consumers Duped by Timeshare Incentives
A Florida timeshare company paid $60,533 in restitution to Pennsylvania consumers promised free gifts and other timeshare...
It's a Good Time for Home Improvements: Cheap Contractors and Tax Credits
If you've had your eye on the housing market lately, you know two things for sure: 1) The construction industry has been...
Housing Reports: What the Real Estate and Mortgage Numbers Mean for You
Many a savvy real estate consumer has had their head spun by the dizzying array of sometimes-contradictory housing market...
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