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Consumer News and Advice Archive


What You Need to Know about the Home Affordable Foreclosure Alternatives Program

RISMEDIA, December 17, 2009—The Treasury Department recently released guidelines and forms for its new Home Affordable Foreclosure Alternatives Program (HAFA). HAFA is part of the Home Affordable Modification Program (HAMP) and provides incentives in connection with a short sale or a deed-in-lieu of foreclosure (DIL) used to avoid foreclosure on ...


Help for Homeowners – Understanding the Making Home Affordable Program

RISMEDIA, December 16, 2009—(MCT)—Michelle had lived in her southeast Wichita home for 15 years, but when she emerged from a bankruptcy in January, her bank informed her that she had missed $9,000 in house payments in recent years. ...


A Holiday Letter to the President

RISMEDIA, December 15, 2009—Merry Christmas to you and your beautiful family. This is a difficult time to be the leader of the free world, and here at home expectations have been so high that you cannot really blame people for being a little disappointed in the results. ...


Ending the Housing Crisis One Short Sale at a Time – How One Company Provides Security to the Process

RISMEDIA, December 14, 2009—Short sales and home warranties seem to go hand in hand, especially considering the realities of today’s real estate market. ...


Making Home Affordable Modification Program Moving Slowly – Just 4% of Mortgage Modifications are Permanent

RISMEDIA, December 14, 2009—(MCT)—Just 4% of delinquent borrowers who started trial mortgage modifications under the Obama administration's housing plan have had those more affordable loan terms made permanent, the Treasury Department recently reported. ...


HomeGain Releases Results of Fourth Quarter Home Prices Survey

RISMEDIA, December 11, 2009—HomeGain, one of the first websites to provide free, instant home values, has announced the results of its fourth quarter Home Prices Survey of Realtors based on the responses of 928 U.S. real estate agents and brokers across the United States. ...


FHA to Tighten Lending Standards as Defaults Rise

RISMEDIA, December 11, 2009—(MCT)—The Federal Housing Administration (FHA) is about to beef up the borrowing requirements for home buyers, a move that could dampen the fragile housing market's recovery. ...


Tips for a Successful Relocation during the Holidays

RISMEDIA, December 10, 2009—While everyone else is dusting off Christmas ornaments and Hanukkah candles, are you stressing about your upcoming holiday season move? Moving and getting through the holidays can be challenging enough on their own--combined, they could be even worse. ...


Commentary: Merry Christmas from Wall Street

RISMEDIA, December 8, 2009—I have a few movies I like to watch this time of year: A Christmas Story, White Christmas, and of course, the great Frank Capra Classic, It’s a Wonderful Life. ...


Real Estate License School Giving Away Free Scholarships to the Unemployed

RISMEDIA, December 8, 2009—Financial blog, ChristianPF.com released an article discussing the goal of RealEstateExpress.com, which is trying to help some of those looking for jobs by offering free real estate training. The owners of the company reported that they grew so tired of hearing negative news about the economy and ...


Real Estate License School Giving Away Free Scholarships to the Unemployed

RISMEDIA, December 8, 2009—Financial blog, ChristianPF.com released an article discussing the goal of RealEstateExpress.com, which is trying to help some of those looking for jobs by offering free real estate training. The owners of the company reported that they grew so tired of hearing negative news about the economy and ...


Consumer Housing Q&A: Talk to Financial Counselor before Giving up House

RISMEDIA, December 8, 2009—(MCT)—Question: We bought a house that has been a rental property for us the last 16 years. It has an adjustable-rate mortgage of $162,000, which will adjust next year. I doubt we will be able to afford the payment, which is currently more than the rent collected. ...


Weak Real Estate Market Has Many Paying Less Property Tax This Year

RISMEDIA, December 8, 2009—(MCT)—Jose Olivas of Watsonville dropped off his check for property taxes Friday. Like many in the county, he owed less tax this year than last. ...


FHA Mortgage Insurance Program Important to Housing Market and Recovery

RISMEDIA, December 7, 2009—The Federal Housing Administration mortgage insurance program is a critical part of the American housing fabric and has never been more important than it is in today's market, NAR President Vicki Cox Golder told a congressional panel recently. ...


Short Sale Reforms Could Speed Recovery – RE/MAX Chairman Lauds Government Action

RISMEDIA, December 3, 2009—The U.S. Treasury Department recently announced new guidelines to the short sale process that could speed the housing market recovery, a move RE/MAX Executives have been promoting in Washington D.C. for the past year. ...


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