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Home Buying 101 Archive


5 Legal Tasks to Do When You Move

The Internet is full of checklists and resources to use if you are planning to move. There are packing timelines. There are lists of packing supplies. There are even directions on how to pack boxes. ...


Gen Y Home Buying is Motivated by Quality of Life

Used to thriving economies and strong employment rates, baby boomers played a critical role in stimulating the housing market prior to the Great Recession, but the economic realities of the last few years have shifted the focus to Generation Y and real estate professionals are now looking to the approximately ...


Homeowners Can Receive Mortgage Counseling

Regional Spotlight—Wells Fargo & Company has invited nearly 40,000 Wells Fargo Home Mortgage, Wells Fargo Financial, and Wells Fargo Home Equity customers facing financial hardships to a New York City Home Preservation Workshop to be held next week in Brooklyn. ...


E&O War Stories: Loyalty and Honesty Go Hand-in-Hand

Victor O. Schinnerer's "War Stories" are actual claims from company files with the names and some details changed for confidentiality. Here, read about a foreign buyer who sued his agent after his legal residency status resulted in his mortgage company canceling his contract. ...


Six Keys to Selling Your Home in Today’s Market

According to the National Association of Realtors®, more than 4.25 million homes sold in 2011. That's a lot of real estate and such numbers raise the question: How are sellers doing ...


5 Basic Steps to Make a House Your Home

Are you looking to buy your home for the first time? Congratulations! While this is an exciting time, knowing what you are in for can ease the process exponentially. Below are a few steps you can take to find your ...


FHFA Responds to NPR Freddie Mac Refinance Story

A ProPublica–NPR news story recently suggested that a mortgage financing vehicle utilized by Freddie Mac may be preventing homeowners from refinancing. While FHFA does not typically comment on its supervisory activities, the circumstances here require some clarification, according ...


Buying a Home? Finally, Times Are Good!

Everyone knows that the housing market has been a little daunting for the last several years. Ups and downs, talk of good news and bad news, and a confusing amount of information about rising and falling mortgage rates has rendered ...


Legislative and Regulatory Recap – The Year in Review

Editor's Note: The below article, which originally appeared in the December 2011 issue of Real Estate magazine, features updated information regarding the National Flood Insurance Program. ...


Mortgage Defaults: Signs of Recovery

The UFA Default Risk Index for the fourth quarter of 2011 edged lower to 131 from last quarter’s revised 133, which suggests that residential mortgage default and prepayment risks are continuing their return to normalcy. ...


Adjustable Mortgage Rates Hit Record Lows

Freddie Mac (OTC: FMCC) recently released the results of its Primary Mortgage Market Survey® (PMMS®), showing average fixed mortgage rates changing little and remaining near their historic lows while adjustable-rate mortgages averaged new record lows. The 30-year fixed has averaged at or below 4 percent for the fourth consecutive week. ...


Loan Modification is Stressful; Know Your Options

When the Obama administration rolled out the Home Affordable Modification Program (HAMP) in 2009, officials estimated 3 to 4 million borrowers would seek relief from their mortgages through the program amidst the worst recession and housing market collapse in decades. ...


NAR Home Buyer and Seller Survey Reflects Tight Credit Conditions

Recent home buyers are staying well within their means with notably higher incomes and modestly higher down payments than buyers in the previous year, due to the restrictive mortgage credit environment, despite historically favorable housing affordability conditions, according to a ...


Delinquency Rate Hits 3-year Low as Boom Loans Improve

The national delinquency rate for residential home loans fell to 7.99 percent in the third quarter—the lowest reading since the fourth quarter of 2008. This represents a decline of 45 basis points from the second quarter of this year, and ...


Study Examines Impact of Social Networks on Homeowners Decision to Default

Unemployment and other factors have caused many homeowners to involuntarily default on their mortgages. At the same time, falling home prices, the possibility of being underwater for many years and advice from certain influencers, or "mavens," may have encouraged others ...


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