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Our Real Estate Blog

IRS to outline changes in the home buyer tax credit program

December 9th, 2009 12:20 PM by Lehel S.

IRS to outline changes in the home buyer tax credit program

Revisions include expanded income limits, a cap on home prices, additional documentation requirements and prohibitions against claims by dependents.

Reporting from Washington - If you're thinking about applying for the new $6,500 home buyer federal tax credit or the extended $8,000 version, the Internal Revenue Service has just issued its first formal guidelines for you.

Tops on the agency's list of advice: Cool it for a couple of weeks. Even if you qualify for one of the credits, don't send in any requests to the IRS quite yet. Wait until later this month when the agency publishes its revised Form 5405 with the key instructions needed to get you a check from the government.

The forthcoming version of the form will incorporate the major changes to the tax credit program made by Congress in legislation signed by President Obama on Nov. 6. These include expanded income limits, a cap on home prices, additional documentation requirements and prohibitions against claims by dependents.

In a tax bulletin issued just before Thanksgiving, the IRS emphasized that all home purchasers after Nov. 6 "must use this new version [of Form 5405] to claim the credit." Put another way: If you send in the old version -- the one you can currently download from the agency's website, www.irs.gov -- your request for the credit will probably go nowhere.

The legislation -- known as the Worker, Homeownership and Business Assistance Act of 2009 -- extended the $8,000 first-time home purchaser credit until April 30 for signed contracts and June 30 for closings. The law also created a new tax credit for people who have owned a principal residence for a consecutive five of the previous eight years, and who purchase a replacement principal residence with a signed contract no later than April 30, followed by a closing no later than June 30.

Qualified repeat buyers can obtain credits up to $6,500. For both the first-time and repeat buyer program, the credit is equal to 10% of the purchase price of the house, up to a maximum of either $6,500 or $8,000.

The new IRS bulletin also outlined the agency's guidance on other important features of the amended credit program:

* Members of the armed forces, as well as diplomatic and intelligence personnel serving in foreign countries, will get an extra year to buy a principal residence and still qualify for a credit. They will have until April 30, 2011, to enter into a contract to purchase a house, and until June 30, 2011, to close on it.

* Anyone who buys a house after Nov. 6 -- even those who had intended to get in the door before the previous Nov. 30 expiration date for the $8,000 credit -- will now need to comply with several new rules. First, the house cannot cost more than $800,000. Second, no one under age 18 can claim the credit no matter what the circumstances. And finally, anyone who is counted as a dependent on another taxpayer's federal filings is ineligible for a home purchase tax credit.

* The expanded income limits for purchasers after Nov. 6 range to $125,000 in "modified adjusted gross income" for single taxpayers and to $225,000 for those who file jointly. Singles with incomes between $125,000 and $145,000 may be eligible for reduced credit amounts, as are joint filers with incomes from $225,000 to $245,000. Anyone with an income above these amounts cannot qualify for either of the credits. Under the pre-Nov. 6 rules, taxpayers applying for the $8,000 credit were limited to incomes of $75,000 (single filer) to $150,000 (joint filer).

The IRS continues to offer detailed consumer information resources on the credits, including questions and answers on a variety of home purchase scenarios.

For example, some taxpayers seeking the extended $8,000 credit are uncertain about co-purchase and co-signing situations, especially involving parents and adult children. When a home-owning parent co-signs for a mortgage with a son or daughter, and both names appear on the note, can the son or daughter qualify for the first-time purchaser credit?

The IRS says the parent clearly does not qualify for any portion of the credit since he or she already owns a principal residence. But if the son or daughter has not owned a house during the three years preceding the current purchase, and qualifies on income, he or she can be allocated the entire $8,000 credit.

Similarly, when unmarried individuals co-purchase a house, and only one of them is eligible for the credit, the full $8,000 can be allocated to the eligible buyer.
Posted in:General
Posted by Lehel S. on December 9th, 2009 12:20 PM
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"Summerize" Your Home

Market Snapshot (5/20/2011)

Freddie Mac launches promotion to sell its foreclosed homes

No housing recovery until 2014?

Home sellers are financing buyers with poor credit

Fixed mortgage rates touch new lows for 2011

3 Financial Reasons to Buy Now

New consumer bureau proposes simplified mortgage disclosure forms

Why are short sales so long and drawn out?

NY probe seeks mortgage records, official says

New York attorney general seeks records from 3 Wall Street banks in probe of mortgage crisis

Tell Congress 20 percent down payments put homeownership out of reach

House GOP Unveils Bills To Speed Closure of Fannie, Freddie

Bill Sets Up Private Firms To Back Mortgages

Market Snapshot (5/19/2011)

Market Snapshot (5/16/2011)

Market Snapshot (5/15/2011 - Weekly Preview)

Foreclosure rate slows as repossession timeline lengthens

Are we facing the end of the 30-year fixed-rate mortgage?

April home sales in Southern California hit three-year low for the month

TIPS FOR CONQUERING FEAR OF FAILURE AS A CRITICAL STEP TO SUCCESS

Market Snapshot (5/12/2011)

Market Snapshot (5/11/2011)

Market Snapshot (5/10/2011)

Debt doesn't go away when lender writes it off

Good-faith estimate disclosures ineffective in helping consumers shop for mortgages

Market Snapshot (5/8/2011 - The Week Ahead)

Rental Costs Are About to Takeoff

California bill ending 'dual track' foreclosures faces key vote

Fed Proposes Minimum Standards for Home Loans

ACT ON WHAT YOU KNOW IS TRUE BY GUY FINLEY

Market Snapshot (5/7/2011)

BofA to open more outreach centers for delinquent homeowners

U.S. sues Deutsche Bank over mortgage approvals

Fannie Mae and Freddie Mac to Align Guidelines for Servicing Delinquent Mortgages

Misinformation about Interest Rates, Lender Fees and FHA Loans Can Lead Buyers to Make Costly Mistakes, According to Zillow Mortgage Marketplace Survey

April 2011

Home price gains since spring 2009 vanish

New-home sales rise in March after weak winter

FHA mortgages may still beat loans available from private-sector rivals

Multifamily construction ramps up

Home buyers try to beat "jumbo" loans squeeze

Market Snapshot (4/26/2011)

Fewer California homeowners received default notices in first quarter

Investors drove home sales up 3.7% in March

Report: Distressed properties now a smaller share of sales

Foreclosures still an issue

Market Snapshot (4/21/2011)

Market Snapshot (4/20/2011)

Revved Up Gas Prices

Market Snapshot (4/19/2011)

Market Snapshot (4/18/2011)

Market Snapshot - Weekly Preview (4/17/2011)

Confidence in value of homeownership persists through bust, survey shows

The disconnect between buyers, sellers

Good foreclosure data can be found here

Review the latest California foreclosure trends

Banks, regulators act to correct foreclosure flaws

Americans doing more home improvement projects

Homeowners aren't doing as much as they think to save energy

Changes in mortgage finance rules could hurt housing recovery

Are you getting your money's worth with appraisal?

Banks are foreclosing while homeowners pursue loan modifications

Real Estate: It's Tiem To Buy Again

DOUBLE DIP OF REAL ESTATE PRICES?

Real Estate Market Update And Opinion (4/17/2011)

Go Boldly Forward

Market Snapshot (4/11/2011)

Market Update (4/10/2011)

Southern California rents are likely to remain flat, study says

HOW TO USE FUTURING TO CREATE YOUR PERFECT TOMORROW

Nonbank Lenders Staging a Comeback

WHY FEAR LIMITS YOUR LIFE POTENTIAL

plant a Spring Garden

Federal Housing Administration (FHA)Consumer FAQ’s Under a Shutdown

Market Snapshot (4/8/2011)

OBAMA ADMINISTRATION RELEASES MARCH HOUSING SCORECARD

GOOD CALIFORNIA SHORT SALE INFORMATION SITE

Are you insured for the Big One?

Tax changes for health insurance buyers, home buyers and the unemployed

More people signed contracts to buy homes in Feb.

Fannie Mae Launches "Las Opciones de los Casas" to Educate and Empower Homeowners

What a Government Shutdown Means in Real Estate

California Mortgage Aid

Amid bailouts, banks spent big to thwart foreclosure legislation

California expands its foreclosure relief effort

Retail economists expect slow start to spring

Mortgage Market Snapshot (4/7/2011)

How to Live a Truly World Class Life

Market Snapshot (4/5/2011)

Buying a First Home

Home prices near a double dip

Casual comments can cost a home buyer or seller

'Shadow inventory' of 1.8 million homes could prolong housing slump

Talks to settle foreclosure probes could take months

Consumers still pay credit cards before mortgages

Demographer sees surge of interest in renting rather than buying a home

STRESS AND THE POWER OF YOUR MIND BY GEORGIA FOSTER

good site for general short sale information

Research looks at how mortgage delinquencies affect scores

Proposed settlement would force banks to allow short sales for delinquent homeowners

Home prices nearing new lows

March 2011

Market Snapshot (3/27/2011)

Distressed home sales rising

Housing Inventory Increases, Listing Prices Fall

New home sales tumble to record low

Are buyers turning away from new homes in weak markets?

Mortgage mod test becomes clearer

The Power of Your Performance Systems

How Could You Achieve More and Do It Faster?

EIGHT ENERGY MEDITATION SECRETS BY KEVIN SCHOENINGER

Market Snapshot (3/24/2011)

Home resales fall 9.6% in February and prices are near 9-year low

Market Snapshot (3/23/2011)

Market Snapshot (3/22/2011)

Is quake insurance worth the cost?

Southern California housing market is flat in February

California home sales decline in February as market adjusts to post-foreclosure freeze environment

Recent cases regarding MERS

Market Snapshot (3/21/2011)

Market Snapshot - Weekly Preview (3/20/2011)

Market Snapshot (3/18/2011)

Four Secrets of Consistent Winners

The New Science of Success!

A Red Flag on Reverse Mortgages

More Loan-Modification Options for the ‘Underwater’

Passing the test on canceled mortgage debt has tax rewards

California housing market slump persists through February

Home prices drop in February

Just Listed! 15198 Overlook Pl Fontana, CA 92336

Just Listed! 39324 Jacob Dr Palmdale, CA 93551

Just Listed! 37259 105th st Littlerock, CA 93543

Market Snapshot (3/16/2011)

Market Snapshot (3/15/2011 B)

Market Snapshot (3/15/2010)

Market Snapshot (3/14/2011)

a movie to brighten your day

The Top 10 Tools For Effective Listening!

Flawed short sale process clogging market

Foreclosure activity drops sharply nationwide

Without Loan Giants, 30-Year Mortgage May Fade Away

FHA Powers What's Left of the Home Market

New Rules for First-Time Home Buyers

Market Snapshot (3/11/2011)

Market Snapshot (3/9/2011)

banks make short sales difficult

Mortgage Rates (3/8/2011)

Market Snapshot (3/8/2011)

First-time buyers turn fussy about 'move-in ready' homes

Survey: Gloomy Views Persist on Housing, Economy

Mortgage servicing errors highlight need for

California program offers rebates for making energy-efficient improvements

Regulators Push 20% Down Payments on Homes

Only 1 in 4 Got Mortgage Relief

Getting a Mortgage Before the Door Shuts

Why 2011 May Be the End of the Housing Crash

Five Signs That Say 'Buy'

Mortgage Rates (3/7/2011)

Market Snapshot (3/7/2011)

Mortgage Rates (3/6/2011 - The Week Ahead)

ITS BAD TO BE GOOD

How to Thrive in Changing Times

Home Values Decline in Fourth Quarter

Fannie Mae's Latest National Housing Survey

Mortgage Rates (3/4/2011)

Mortgage Rates (3/3/2011)

Systems Beat Goals, Every Time!

Mortgage Rates (3/2/2011)

Mortgage Rates (3/1/2011)

Mortgage Rates (2/28/2011)

Mortgage Rates (2/247/2011- The Week Ahead)

February 2011

Federal programs can help homeowners avoid foreclosure

California foreclosures 44 percent of 2010 home sales

Market Snapshot (2/28/2011)

How to Stay Motivated, All the Time!

Mortgage Rates (2/25/2011)

BofA's legal woes from Countrywide worse than expected

Experian adds rent payments to credit reports

Mortgages in foreclosure process hit record

Mortgage Rates (2/24/2011)

Homeownership loses its luster

HOME PRICES EDGE TOWARD DOUBLE DIP

Home prices hit post-bust lows in most big cities

California pending home sales rise in January

Increased foreclosure sales are seen on the courthouse steps

National Home Prices Are Close to the 2009Q1 Trough According to the S&P/Case-Shiller Home Price Indices

Short-term Delinquencies Fall to Pre-Recession Levels, Loans in Foreclosure Tie All-Time Record in Latest MBA National Delinquency Survey

Mortgage Rates (2/23/2011)

Mortgage Rates (2/22/2011)

Mortgage Rates (2/20/2011 - the week ahead)

Banks to be penalized for mishandling foreclosures, a regulator testifies

Leadership Lessons from Green Day

I JUST STOP TRYING

Mortgage assistance programs help people through patches of unemployment

Mortgage Rates (2/18/2011)

Southern California home sales at lowest level for a January in three years

January sales and price report for California

Tax Credit Hangover Continues as Home Values Drop, Negative Equity Rises in Fourth Quarter

CalHFA Announces Full Implementation of $2 Billion Effort to Assist Homeowners Struggling to Remain in Homes

Home Buyers to Put Down More Cash

Banks Push Home Buyers to Put Down More Cash

30% of mortgages are underwater

Foreclosures are falling - but it's a fake out

HOW DO YOU CHANGE THE WORLD? BY JOHN W HILL

Mortgage Rates (2/17/2011)

Mortgage Rates (2/16/2011)

Mortgage Rates (2/15/2011)

Mortgage Rates (2/14/2011)

Now may be the time to buy a home

Builders put welcome mat out for retiring baby boomers

Rising construction costs could boost new-home prices soon

Mortgage Rates (2/13/2011 - The Week Ahead)

Top 10 Secrets to Achieving Any Goal

Escaping the Matrix

Mortgage Rates (2/10/2011)

Mortgage Rates (2/11/2011)

California plans $2-billion program to help distressed homeowners

WHAT’S GOING ON INSIDE OUR CHILDREN? LOOKING THROUGH ENERGETIC EYES BY SUZY MILLER

Fourth-Quarter Shadow Inventory Update: Drop In Liquidations, Stable Cure Rates Indicate Increased Foreclosure Timelines

Survey Shows Access to Mortgages Seen as a Serious National Problem

Mortgage Rates (2/9/2011)

Mortgage Rates (2/8/2011)

Mortgage Rates (2/7/2011)

Mortgage Rates (2/6/2011 - The Week Ahead)

New debts could affect your mortgage terms

BofA creates new unit, names foreclosure czar

Obstacles to Manifestation: Procrastination

Mortgage Rates (2/4/2011)

HOMEOWNERSHIP MORE AFFORDABLE THAN RENTING IN 72 PERCENT OF MAJOR U.S. CITIES DESPITE GROWING CONSUMER PREFERENCE TO RENT

Costs for home mortgages rise as Fannie, Freddie hike fees

5 steps to first-time-buyer happiness

2011 housing market will be pancake flat

Curbing Closing Costs

Home Prices Sink Further

Mortgage Rates (2/3/2011)

Mortgage Rates (2/2/2011)

Mortgage Rates (2/1/2011)

January 2011

Mortgage Rates (1/31/2011 - afternoon update)

Mortgage Rates (1/30/2011 - The Week Ahead)

How to Think Positive Without Thinking it Will Jinx You

Mortgage Rates (1/28/2011)

FBI looks into bid rigging at courthouse auctions

home affordable foreclosure alternative program expanded to vacant homes

Mortgage elimination scams hit Stanislaus

The Right Pace for a Great Life

U.S. home prices slide into 'double dip'

New foreclosure cases in California fall sharply in fourth quarter

California unemployment rate is second highest in nation!

California unemployment rate is second highest in nation

Two initiatives aim at helping businesses create jobs

Federal panel unveils report on causes of financial crisis; Republicans dissent

Panel produces fractured view of financial crisis

Home prices still falling

Home ownership good for residents and neighborhoods

Demise of redevelopment may spell end to affordable housing

Mortgage Rates (1/27/2011 - Thursday)

Mortgage Rates (1/27/2011 - Update)

Mortgage Rates (1/27/2011)

Mortgage Rates (1/25/2011)

Mortgage Rates (1/24/2011)

Mortgage Rates (1/23/2011 - The Week Ahead)

Sales of previously owned homes jump 12.3% in December

Few bright spots in Southern California housing market

The Ten Essential Virtues of Love

Mortgage Rates (1/21/2011)

Mortgage Rates (1/20/2011)

No. 2 bank overcharged troops on mortgages

Home Prices Fall, End 2010 at $410,000

Helping You Keep Your Home

Mozilo says he wasn't a dictator at Countrywide

Mortgage Rates (1/19/2011)

Mortgage Rates (1/18/2011)

Southern California's home price gains slowed in December

QUICK TRICK TO SUPERCHARGE YOUR VIBRATION

Mortgage Rates (1/16/2011 - The Week Ahead)

if you want to inspire his total devotion. here's what you need to know

Mortgage Rates (1/14/2011)

FROM ZERO TO HAPPY IN 60 SECONDS! CUSTOM EXERCISES SUITED TO YOUR STYLE OF SELF-GROWTH BY LAUREN MARIE OWEN

CONSUMER BANKRUPTCY FILINGS INCREASE 9 PERCENT IN 2010

Banks repossess 1 million homes in 2010

The Reverse Mortgage Gets a Makeover

Mortgage Rates (1/13/2011)

Mortgage Rates (1/12/2011)

Mortgage Rates (1/11/2011)

Mortgage Rates (1/10/2011)

Mortgage Rates (1/9/2011 - the week ahead)

House Appraisals Under Fire

Housing bust creates new kind of declining city

Federal Reserve: U.S. housing market is still weak

Kiss 4% mortgage rates goodbye

Trust in Relationships

Mortgage Rates (1/7/2011)

Mortgage Rates (1/6/2011)

Mortgage Rates (1/5/2011)

Mortgage Rates (1/4/2011)

Mortgage Rates (1/3/2011)

Now is the time to sell, real estate consultant says

When will housing come back in California? Five experts offer their views

Can a bankruptcy really save your home?

Mortgage Rates (1/2/2011 - The Week Ahead)

How to Live a G.R.E.A.T. Life!

December 2010

Bull vs. Bear: Will housing rebound?

Homeowners use 'show me the note' to fight foreclosure

Home price plunge is widespread

Banks Push Fed to Curb Borrowers' Right to Rescind Mortgages

Mortgage Rates (12/31/2010)

Mortgage Rates (12/30/2010)

Mortgage Rates (12/29/2010)

Home prices fall in October [Updated]

Mortgage Rates (12/28/2010 - Tuesday)

Mortgage Rates (12/28/2010)

Mortgage Rates (12/26/2010 - The Week Ahead)

Freddie Mac Extends Foreclosure Protection for Service Members Through 2011

C.A.R. reports California home sales rise in November; share of short sales increasing

Laughter is one of the simple joys of life

REAL ESTATE MARKET OBSERVATIONS - DECEMBER 2010

Mortgage Rates (12/23/2010)

Mortgage Rates (12/22/2010)

Home buyers' anxiety rises along with mortgage rates

Tax deduction for mortgage interest could be on the chopping block

Arizona, Nevada sue Bank of America over loan modifications

Wells Fargo reaches agreement with California to modify risky mortgages

When debt collectors go after the wrong person

Mortgage Rates (12/21/2010)

Can You Say… Oh $#!^ For REO and Foreclosures?

Fannie, Freddie repurchase demands reveal fraud

Mortgage Rates (12/20/2010)

Mortgage Rates (12/19/2010 - The Week Ahead)

Have You Looked in the Mirror Lately?

New Survey Reveals 58 Percent of Americans Expect Housing Market to Recover After 2012, According to Trulia and RealtyTrac

Homeownership Aspiration Remains Strong Among Americans

Mortgage Rates (12/17/2010)

Mortgage Rates (12/16/2010 Thursday)

Mortgage Rates (12/16/2010)

Foreclosures fall by record amount in November as lenders put brakes on

Homebuilders pessimistic about housing market

Geithner says bailout will cost less than $25B

Best way of holding a title on an investment property

Some condo owners may lose FHA financing

More Foreclosures Expected in 2011

Lenders may closely monitor borrowers for life of a loan

Mortgage Rates (12/14/2010 - Afternoon Update)

Mortgage Rates (12/14/2010)

Mortgage Rates (12/13/2010)

Mortgage Rates (12/13/2010 - The Week Ahead)

The Simple Truths of Appreciation

Housing Remains Highly Affordable For Seventh Consecutive Quarter

OBAMA ADMINISTRATION RELEASES NOVEMBER HOUSING SCORECARD

HUD LAUNCHES NEW ONE-STOP WEBSITE FOR ECONOMIC AND HOUSING DATA

BREATHE DEEPLY, LOVE DEEPLY, LIVE DEEPLY – HEALTHY MIND

Fannie Mae's Most Recent National Housing Survey Indicates Americans Uncertain Housing Market has Bottomed

When Borrowers Default on Second Homes

What Happened to the Government’s Short Sales Program?

THE BIG BOOK OF YOU BY JENNIFER MACLEAN: BOOK EXCERPT

Bank of America settles allegations of kickbacks, collusion

Mortgage Rates (12/10/2010)

U.S. turns a $12-billion profit on Citigroup bailout

Bond market takes a hit

22 mortgage providers accused of unfair lending practices

Under pressure Fannie, Freddie reluctant to cut loan amounts

Real estate tax not as bad as it's being perceived

Simple BofA refi turns into foreclosure nightmare

Greater oversight of reverse mortgages urged

Mortgage Rates (12/9/2010)

Mortgage Rates (12/8/2010)

Consumer coalition challenges some FHA lenders' FICO score requirements

Buy or keep renting?

Should you buy or keep renting?

Collecting debts from the dead

More than 8 million drop out of credit card use

Mortgage Rates (12/7/2010)

NAR defends mortgage interest deduction

Mortgage Rates (12/6/2010)

Mortgage Rates (12/5/2010 - The Week Ahead)

?Anchoring Your Way to a Happier Life – Jedi Apprentice…

AND YET ANOTHER WONDERFUL WAY TO RELEASE STRESS…

Mortgage Rates (12/3/2010)

Moortgage Rates (12/3/2010)

Deficit Plan Wins Backers

F.H.A. Rule Changes for Mortgage Borrowers

Signs of a double dip? Home prices fall 2%

Freddie Mac suspends evictions for the holidays

Second-Mortgage Standoffs Stand in Way of Short Sales

Sales of foreclosed and distressed properties fall 25% in third quarter

Mortgage Rates (12/2/2010)

Mortgage Rates (12/1/2010)

Mortgage Rates (11/30/2010)

November 2010

Mortgage Rates (11/29/2010)

Mortgage Rates (11/28/2010 - The Week Ahead)

The Solution to Life's 10 Biggest Problems!

Top 10 Ways to Coach Yourself to Total Success!

Mortgage Rates (11/26/2010)

25 REASONS TO BE GRATEFUL – FREE MINI EBOOK

Happy Thanksgiving

Mortgage Rates (11/24/2010)

Mortgage Rates (11/23/2010)

Mortgage Rates (11/22/2010)

Mortgage Rates (11/22/2010 - The Week Ahead)

Bumper Stickers Seen at the Marine Corps Base in Paris Island :

Home prices expected to slide another 8%

25 WAYS TO IGNITE YOUR PASSION: FREE EBOOK

Mortgage Rates (11/19/2010)

17.4 million U.S. families went hungry at some point in 2009, USDA says

Southern California housing market weakens in October

Third Quarter Foreclosure Activity Up in 65 Percent of U.S. Metro Areas But Down in Hardest-Hit Cities

Home Values Near Unprecedented Decline as Hints of Stabilization Wane in Third Quarter

Mortgage Rates (11/18/2010)

Mortgage Rates (11/17/2010)

Mortgage Rates (11/16/2010)

Legal maneuver can help when lenders refuse to pay dues

Refinancing now could be better than waiting for mortgage rates to drop further

Mortgage Rates (11/15/2010)

Mortgage Rates (11/14/2010 - The Week Ahead)

Coping With Difficult People

The "Mortgagegate" Scandal: Congratulations America, You're Now in the Title-Insurance Business

What You Don't Know about "Mortgagegate" Could Crush the U.S. Banking System

Home seizures decline 9% in October

In search of personal responsibility over mortgage loans

Federal Reserve's proposed home appraisal rules may not prevent inaccurate valuations

Paying Off a Mortgage

Fannie Mae opens center to help distressed homeowners

Fed: Small banks crack down on mortgage lending

More Closing Jitters

Mortgage Rates (11/12/2010)

Mortgage Rates (11/10/2010)

Here Come the Bank Buybacks

Fed Plans 600 Billion Dollar Bond Purchase to Spark Economy

Will Rates Go Lower?

Homeownership stays at lowest level in a decade

Mortgage Bankers Push Housing Recovery to 2012

Keep Your Home California

Mortgage Rates (11/9/2010)

Mortgage Rates (11/8/2010)

Mortgage Rates (11/7/2010 - The Week Ahead)

THE TAO OF DEPRESSION

The Land of No Excuses

Real Estate Market Observations - November 2010

Mortgage Rates (11/5/2010)

FICO® 8 Mortgage Score

Mortgage Rates (11/4/2010)

Mortgage Rates (11/3/2010 - Afternoon Update)

Calif. median home price: (11/4/2010)

Mortgage Rates (11/3/2010)

NEW SHORT SALE LAW - HELP OR HINDRANCE ?

Mortgage Rates (11/2/2010)

Mortgage Rates (11/1/2010)

Mortgage Rates (10/31/2010 - The Week Ahead)

October 2010

Uncertainty and Transition

How to Easily Overcome a Fear of Wrong Decision Making

Mortgage Rates (10/29/2010)

Mortgage Rates (10/28/2010)

September sales and price report

PRICE REDUCTIONS CONTINUE TO CLIMB, WEAK SUMMER SALES AND INFLATED INVENTORY LEAD TO HIGHEST HISTORIC LEVELS NATIONWIDE

Obama mortgage mods slow, hitting nearly 500,000

Short Sales Resisted as Foreclosures Are Revived

Refinancing rush helps banks amid foreclosure mess

Foreclosures Had Errors, Bank Finds

Existing home sales on the rise

Mortgage Rates (10/27/2010)

Mortgage Rates (10/26/2010)

Mortgage Rates (10/25/2010)

Self-Awareness: Emotional Intelligence and the Interplay of Mind, Body and Spirit

5 Days to A Simpler Life!

Mortgage Rates (10/22/2010)

Mortgage database's murky legal status adds another wrinkle to foreclosure mess

Credit Scores: How 720 Became the New 680

Statement from Bank of America Home Loans

Mortgage Rates (10/21/2010)

Mortage Rates (10/19/2010)

Mortgage Rates (10/17/2010)

HUD’s Donovan: National Foreclosure Moratorium Risks ‘Going Too Far’

Unemployed? Get a federal loan to pay your mortgage

Consumer and Industry Warning: False and Misleading Designations and Claims of Special Expertise, Certifications and/or Credentials

Dollar's value takes another beating

Freddie Mac: Mortgage rates drop again, now at 1951 levels

Mortgage Rates (10/15/2010)

Mortgage Rates (10/14/2010)

Mortgage Rates (10/13/2010)

How the Bank of America foreclosure freeze affects California homeowners

California Foreclosure Environment

Mortgage Rates (10/12/2010)

Freeze on questionable foreclosures could undermine fragile recovery in housing market

Buying a home? Don't get hung up on mere details

Foreign buyers see big opportunity in housing bust

Mortgage Rates (10/10/2010 - The Week Ahead)

From Habits to Freedom

CALIFORNIA ASSOCIATION OF REALTORS® releases its California Housing Market Forecast for 2011:

Foreclosure Homes Account for 24 Percent of Q2 Residential Sales

Lack of title insurance could slow sales of foreclosed homes

Serious Delinquencies Fall For Fifth Month in a Row

A New Way to Cut a Mortgage

General freeze on home seizures sought

Mortgage Rates (10/8/2010)

Mortgage Rates (10/7/2010)

Probe of big banks' foreclosure practices sought

Aerospace suppliers brace for defense spending cuts

Housing crisis a lift for rentals

Resident in foreclosure quagmire

Mortgage Rates (10/6/2010)

Mortgage Rates (10/5/2010)

Fannie Mae offers housing aid to military families

22% of private mortgage mods redefault

1 in 3 unlikely to qualify for mortgage

Downsizing is booming

No mortgage mods for many of the jobless

How to Buy a Home at a $100,000 Discount

Obama Administration September Housing Scorecard Shows Continued Advances in Housing Market, but Challenges Remain

Mortgage Rates (10/4/2010)

Mortgage Rates (10/3/2010 - The Week Ahead)

Bank of America freezes evictions in 23 states

FHA changing its mortgage insurance fee structure

Mental health tips for frustrated home sellers

CHOOSING HAPPY

CREATION – STEP IX – CLEANING UP OUR WATERS….

5 Top Tips for Moving Past Procrastination Into Action

Saved by the Laundry: From Hamper to Happiness in 8 Steps

Mortgage modification marathon draws masses to Los Angeles

Experts: More foreclosure properties forthcoming

Mortgage Rates (10/1/2010)

Mortgage Rates (9/30/2010)

September 2010

Mortgage Rates (9/29/2010)

Mortgage Rates (9/28/2010)

California puts Ally Financial on notice over botched foreclosures

Buffett: Recession continues, by his definition

Mortgage Rates (9/27/2010)

Mortgage Rates (9/26/2010 - The Week Ahead)

Trick-or-Treating?

the strangest secret - cool to watch

Excuse Me, But Can You Please Push Me Out of My Own Way?

A housing rebound? Yes, it's possible.

A Downside of Short Sales

Why Your First Home Shouldn't Be Your Dream Home

Mortgage Rates (9/24/2010)

Home loan demand, housing prices fall

Mortgage relief program flagging

Mortgage Rates (9/23/2010)

Mortgage Rates (9/22/2010)

Losses from Fannie Mae, Freddie Mac seizures may near $400 billion

1 in 7 Americans live in poverty, Census Bureau reports

Southern California home sales slide in August

California's economic doldrums to continue until mid-2011, UCLA forecast says

Debate might give new life to mortgage cramdown legislation

Shorter-term mortgages make sense for some people, not for others

Low rates make 15-year mortgages feasible for many refinancers

Whether it's 'acceptable' to walk away from a mortgage, and other questions

Mortgage rates edge up; Housing market still slow

The New FHA Short Refi Program Details

Mortgage Rates (9/20/2010)

Mortgage Rates (9/19/2010 - The Week Ahead)

Mortgage Rates (9/17/2010)

Mortgage Rates (9/16/2010)

Mortgage Rates (9/15/2010)

Creating Balance with Just Two Steps

Mortgage Rates (9/14/2010)

Mortgage Rates (9/13/2010)

Mortgage Rates (9/12/2010 - The Week Ahead)

The Law of Attraction: You Can Magnetize More Love, Joy and Prosperity!

Mortgage Rates (9/10/2010)

Market Statistics - September 2010

Details On The New FHA Short Refi Program

Mortgage Rates (9/9/2010)

Mortgage Rates (9/8/2010)

Mortgage Rates (9/6/2010)

Index of pending home sales rises 5.2%

Closing costs haven't surged but have become more accurate

Fannie Mae tries to stimulate market for foreclosed homes

Looking for home sales to increase? Don't hold your breath

1910

“Double-Dip” Deepens as Housing Collapses

Mortgage Rates (9/5/2010 - The Week Ahead)

The Solutions to Life's 10 Biggest Problems!

7 Attributes of the Truly Confident Person

Mortgage Rates (9/3/2010)

Mortgage Rates (9/2/2010)

Mortgage Rates (9/1/2010)

Mortgage Rates (8/31/2010)

August 2010

Mortgage Rates (8/30/2010)

Mortgage Rates (8/29/2010 - The Week Ahead)

Another helpful Web site for struggling homeowners

Fannie Mae – the government-sponsored entity that helps set lending standards for most mortgages—started a Web site, KnowYourOptions.com.

New mortgage delinquencies rise again

Time to let home prices fall?

Downward revision of GDP growth a strong signal of stalled recovery

Mortgage Rates (8/27/2010)

New home sales fall to record low

ONE OUT OF FOUR RENTERS NEVER PLAN TO OWN A HOME; 68% WON’T BUY FOR TWO YEARS, ACCORDING TO A NEW SURVEY FROM TRULIA

July 2010 sales and price report

Mortgage Rates (8/26/2010)

Home Prices Fall $3,500 in July, Sales Lag

More recent mortgage modifications seem to be sticking

Diving home sales stoke new worries about economic recovery

Mortgage Rates (8/25/2010)

Mortgage Rates (8/24/2010)

Mortgae Rates (8/24/2010)

Mortgae Rates (8/22/2010 - The Week Ahead)

Mortgage Rates (8/20/2010)

Mortgage Rates (8/19/2010)

Mortgage Rates (8/18/2010)

Mortgage Rates (8/17/2010)

Homeownership to decline further, housing analyst predicts

Mortgage Rates (8/15/2010 - The Week Ahead)

Remove Anger and Resentment from Your Life with the Squash and Release Technique

Persist: An Excerpt from The Ten Things to Do When Your Life Falls Apart

Mortgage Rates (8/13/2010)

know your options

FHA tells Congress: Mortgage insurance claims are down; home prices a concern

20% of mortgages are underwater

Foreclosures rise in July

Insights on ECRI: Is This Stock-Market Prophet Calling for a Double-Dip Recession?

Major leading indicator in free fall!

Obama administration to provide $3 billion in housing aid

OBAMA ADMINISTRATION ANNOUNCES ADDITIONAL SUPPORT FOR TARGETED FORECLOSURE-PREVENTION PROGRAMS TO HELP HOMEOWNERS STRUGGLING WITH UNEMPLOYMENT

FHA LAUNCHES SHORT REFI OPPORTUNITY FOR UNDERWATER HOMEOWNERS

Mortgage Rates (8/12/2010)

Mortgage Rates (8/11/2010)

Market Comments - August '10

Mortgage Rates (8/10/2010)

Market Snapshot (8/10/2010)

Mortgage Rates

Market Snapshot (8/9/2010)

Weekly Preview (8/8/2010)

Mortgage Rates (8/8/2010 - The Week Ahead)

What Do You Want Out of Life?

How to Do Optimism

Seven Simple Exercises to Invite the Extraordinary Life by Guy Finley

Conflicted about a Conflict? - Tip for the Day: How to Bridge the Gap and Not Jump Off the Bridge

A new mortgage fee; Plus, five golden rules …

Mortgage Rates (8/6/2010)

Market Snapshot - 8/6/2010

Mortgage Rates (8/5/2010)

Market Snapshot - 8/5/2010

Mortgage Rates (8/4/2010)

Market Snapshot (8/4/2010)

Mortgage Rates (8/3/2010)

Alan Greenspan: A drop in home prices could lead to second recession

Mortgage Rates (8/2/2010)

Market Snapshot (8/2/2010)

Mortgage Rates (8/1/2010 - The Week Ahead)

50 WAYS TO REACH YOUR GOALS – FREE EBOOK

Steps to Success

July 2010

Dodd-Frank Legislation Extends Protection To Tenants

Market Snapshot (7/30/2010)

Mortgage Rates (7/30/2010)

Mortgae Rates (7/29/2010)

Market Snapshot - 7/29/2010

Market Snapshot (7/29/2010)

Mortgage Rates (7/28/2010)

Four Shocking Bombshells Bernanke Did NOT Tell Congress About Last Week

Mortgage Rates (7/27/2010)

Mortgage Rates Looking Ahead (7/26/2010)

Mortgage Rates (7/26/2010 B)

Mortgage Rates (7/26/2010)

How To Create A Better World

Foreclosures, Short Sales and Deeds in Lieu

Multitasking: Help or Hindrance?

No investors, please: A foreclosure auction for the everyman

Home sales drop 5.1% in June, less than expected

New home sales slow: Local numbers aren't as severe as nationwide

Mortgage Rates (7/23/2010)

Mortgage Rates (7/22/2010)

some nationwide foreclosure statistics

Real Estate Market Observations (July 2010)

Mortgage Rates (7/21/2010 - Afternoon Update)

Mortgage Rates (7/21/2010)

Lead Yourself Before You Lead Others

Mortgage Rates (7/20/2010)

Mortgage Rates (7/19/2010)

Mortgage Rates (7/18/2010 - The Week Ahead)

Lenders' data mining goes deep

Mortage Rates (Weekly Preview - 7/19/2010)

Fannie Mae to prohibit lenders from changing home appraisals

California median home sale price slides in June

U.S. home foreclosures reach record high in second quarter

Homes lost to foreclosure on track for 1M in 2010

Orance County (CA) Home Prices Fall $5,000 in June

Mortgage Rates (7/16/2010)

Mortgage Rates (7/15/2010)

Mortgage Rates (7/14/2010)

Mortgage Rates (7/13/2010)

California Economic Outlook: July 2010 - from Wells Fargo

Self-Improvement - 8 Keys to More Happiness in Your Life

Mortgage Rates (7/12/2010)

Market Recap (7/12/2010)

Mortage Rates (7/11/2010 - The Week Ahead)

4 Observations about Human Behavior

Betrayal, Forgiveness and Jesse James

Mortgage Rates (7/9/2010)

Mortgage Rates (7/8/2010)

Mortgage Rates (7/7/2010)

Lenders' focus turns to strategic defaults

Tricks to Keep Your House Cool this Summer

The 'Well Wishing' Principle

Mortgage Rates (7/6/2010)

Mortgage Rates (7/4/2010 - The Week Ahead)

Mortgage Rates (7/2/2010)

Mortgage Rates (7/1/2010)

June 2010

Fannie Mae Increases Penalties for Borrowers Who Walk Away

House Passes Tax Credit Extension

10 Life Lessons Learned from the BP Oil Spill

Mortgage Rates (6/30/2010)

Mortgage Rates (6/29/2010)

Deeds-in-lieu gain favor with lenders as alternative to foreclosure

MARKET RECAP (6/28/2010)

Short sales can make sense

Lousy Economy Pulling Rug Out From Under Housing

Mortgage rates sink to lowest levels on record

Mortgage Rates (6/28/2010)

Mortgage Rates (6/27/2010 - The Week Ahead)

Your Inner World – the Key to Inner Peace, Health and Joy: Book Excerpt – The 5 Pillars of Life

Activate the Happiness Virus In Your World

Mortgage Rates (6/25/2010)

Mortgage Rates (6/24/2010)

Mortgage Rates (6/23/2010 - afternoon update)

Mortgage Rates (6/23/2010)

Mortgage Rates (6/22/2010)

Mortgage Rates (6/21/2010)

Mortgage Rates (6/20/2010 - The Week Ahead)

Creation Step VIII – The One Command

Why Gratitude? What You Haven’t Been Told by Apollo Pampallis

Reversing Problems

The Counting Principle

Mortgage Rates (6/18/2010)

Mortgage Rates (6/17/2010)

Southern California housing market holds its ground

SoCal median home price up in April from year ago

Mortgage Rates (6/16/2010)

Real Estate Market Comments for June 2010

Mortgage Rates (6/15/2010)

Mortgage Rates (6/14/2010 b)

Mortgage Rates (6/14/2010)

Mortgage Rates (6/13/2010 - The Week Ahead)

Let’s Create a Happiness Virus and Save the World

How to Express Yourself to Others

Mortgage Rates (6/11/2010)

Mortgage Rates (6/10/2010)

Mortgage Rates (6/9/2010)

Mortgage Rates (6/8/2010)

Routine Destruction of Your Spirit

Link to get the form for the California 2010 $ 10,000 tax credit

Mortgage Rates (6/7/2010)

Mortgage Rates (6/6/2010 - The Week Ahead)

Just Listed! 13924 Nettle St Hesperia, CA 92344

Why Self-Help Often Doesn't Work ... And What Does

How to Prevent Your Self-Talk From Interfering With Your Conversations

Mortgage Rates (6/4/2010)

L.A. County makes more big cuts in property tax assessments

After foreclosure: How long until you can buy again?

Mortgage Rates (6/3/2010)

Mortgage Rates (6/2/2010

Mortgage Rates (6/1/2010)

Seller concession rules for FHA mortgages to be changed

Credit Crisis Indicators Going Bonkers Again! Batten Down the Hatches!

How long does my client have to wait after a foreclosure or bankruptcy to purchase a home?

Weekly Preview - 5/31/2010

MARKET RECAP - May 31, 2010

Mortgage Rates (5/31/2010 - The Week Ahead)

May 2010

The Story Of A Boy Who "Visualized" An Empire

The Wave of Change by Jim Self

Mortgage Rates (5/28/2010)

Nearly 75% of homes are affordable

Freddie and Fannie won't pay down your mortgage

What kind of homeowners choose to default?

Refi madness: Surge continues as rates edge lower still

SCE offers help with utility bills

Mortgage Rates (5/27/2010)

April 2010 sales and price report

Title: Delinquencies, Foreclosure Starts Increase in Latest MBA National Delinquency Survey

59 PERCENT OF HOMEOWNERS WITH A MORTGAGE WOULD NOT CONSIDER WALKING AWAY FROM THEIR HOME NO MATTER HOW MUCH THEIR HOME IS “UNDERWATER” ACCORDING TO A NEW SURVEY FROM TRULIA AND REALTYTRAC

Entry-level housing affordability stood at 66 percent in Q1 2010

Home sales at 2-year high

Falling home prices raise fears of new bottom

Home prices in March up from last year but down from February

New home sales, durable goods orders rise

Stocks gain after home sales, factory orders rise

Mortgage Rates (5/26/2010)

Mortgage Rates (5/25/2010)

Mortgage Rates (5/24/2010)

Mortgage rate recap of last week and the week ahead (5/24/2010)

Mortgage Rates (5/23/2010 - The week ahead)

The Big Banks Are Opposing C.A.R.'s Bill to Protect Borrowers

What to Do When There Really is A Monster in the Closet…

California foreclosure crisis subsides

2010 California Tax Credit

Loan-modification dropouts rise

Real estate's new problem: Not enough homes

Foreclosure Inventories Report by Foreclosure Radar

UPDATE 1-Loan demand to buy US homes sinks to 13-year low

Mortgage Rates (5/21/2010)

Mortgage Rates (5/20/2010)

California delinquencies recede

What’s Worse Than Being a Miser?

Mortgage Rates (5/19/2010)

Mortgage Rates (5/17/2010)

Mortgage Rates (5/18/2010)

What's next for housing after the tax-credit surge?

Lenders likely to order second, last-minute credit report before closing on a mortgage

Mortgage Rates (5/16/2010 - The Week Ahead)

Upgrading Yourself

Lead Where You Are Planted

The Give and Receive Confusion

Mortgage Rates (5/14/2010)

Mortgage rates drop for fifth consecutive week

Foreclosure filings decline 9% in April

Foreclosures still high in California

Senate votes to ban certain bonuses for mortgage brokers, loan officers

Mortgage Rates (5/13/2010)

Senate votes to rein in mortgage lenders

Mortgage Rates (5/12/2010)

Reports show declines in mortgage defaults

Mortgage Rates (5/11/2010)

Mortgage Rates (5/10/2010)

Mortgage Rates (5/9/2010 - The Week Ahead)

Re-Writing Your Story

Stop Trying to Be Normal

Mortgage Rates (5/7/2010)

Mortgage Rates (5/6/2010)

Mortgage Rates (5/5/2010)

Mortgage Rates (5/4/2010)

Selling Lessons for Today’s Housing Market

The hidden costs of homeownership

On the Market: New fireplace rules on the horizon

Mortgage Rates (5/3/2010)

Mortgage Rates (5/2/2010 -The Week Ahead)

Charges Of Fraud And Strategic Default At Goldman Sachs

CREATION – STEP VII – WATCHING THE AURA GROW…

Don't Take a Deep Breath: Un-Inhale Your Aspiration to Control Instead

Five Performance Lessons from The Biggest Loser

Powerful Tactics to Lead Without a Title

Mortgage Rates (4/30/2010)

April 2010

Debate Rages Over Supply of Foreclosed Homes

The concentration of distressed borrowers and the local unemployment rate are two big factors in the health of a metro area's housing market

Tax Deal Lifts Home Sales but Price Pressures Loom

Tax Credit Extension? Don’t Bet the House On It

Federal homebuyer tax credit to end

Mortgage Rates (4/29/2010)

Home prices rise in three California cities

Mortgage Rates (4/28/2010 - Afternoon Update)

Mortgage Rates (4/28/2010)

Mortgage Rates (4/27/2010)

Flipping houses is back in South Los Angeles

Fannie Mae to shorten waiting periods for some troubled borrowers to get new home loans

Remodeling projects are making a comeback

Mortgage Rates (4/26/2010)

Private mortgage insurance companies return to market

MARKET RECAP - 4/26/2010

Mortgage Rates (4/25/2010 - The Week Ahead)

Transitions: The Art of Letting Go

Catastrophe? Or Inconvenience?

Ego: how to get rid of it

View from the NBER Recession Indicators

New Rule- Landlords Beware!

The Shadow Inventory Of Troubled Mortgages Could Undo U.S. Housing Price Gains

Mortgage Rates (4/23/2010)

Mortgage Rates (4/22/2010)

Should you buy or rent a home? Cost gap narrows

Good timing could reap double tax credits

10 foreclosures for every home saved

HOUSING: Economist says California tax credit won't last through May

Tepid 2010 Job Growth Forecast

Bank of America yanks Countrywide Financial customers' credit lines

California home default cases plunge

Mortgage Rates (4/21/2010)

Mortgage Rates (4/20/2009 1)

Mortgage Rates (4/19/2010)

Mortgage Rates (4/19/2010 - The Week Ahead)

4 Powerful Tools to Beat the Recession Blues!

OUR VANISHING ULTIMATE RESOURCE

Mortgage Rates (4/16/2010)

Reasons to buy or not to buy a house

Instead of an economic shot in the arm, a shot in the foot

Foreclosure actions spike despite aid

Summary Box: Foreclosures surge to new high

Foreclosure rates surge, biggest jump in 5 years

California's median home price jumps 14.3% in March

30-year mortgage rate falls to 5.07%

Link for CA tax credit information

Good BofA loan help resources and information sites

Getting a loan will be pricier

For Some Markets, Bubble-Era Prices Decades Away

Winning the mortgage modification lottery

Mortgage Rates (4/15/2010)

Signs seen of a housing rebound in Southern California

Mortgage Rates (4/14/2010)

Homebuyer Tax Credit Chart 2010

NO MORE CALIFORNIA STATE TAX ON FORGIVEN DEBT

Mortgage Rates (4/13/2010 b)

Mortgage Rates (4/13/2010)

Test your knowledge of credit scores

Distressed Sales Again On The Rise, CoreLogic Reports

Mortgage Rates (4/12/2010)

Last Week In The News (4/12/2010)

Mortgage Rates (3/11/2010 - The Week Ahead)

Weekly Market Recap (4/12/2010)

9 Things You Must Absolutely Do To Having Winning Relationships At Work:

How You Can Constantly Be in the Right Vibration to Attract by Heather Picken

Mortgage Rates (4/9/2010)

Calif. lawmakers pass housing-crisis tax relief

Homebuyers scramble as mortgage rates jump!

Apartment vacancies, rents likely to drop

Mortgage Rates (4/8/2010)

Homebuyers scramble as mortgage rates jump

Mortgage Rates (4/7/2010)

Mortgage Rates (4/6/2010)

Mortgage Rates (4/5/2010)

Mortgage Rates (4/4//2010 - The Week Ahead)

"Searching for Dimes" Tip for the Day: "Find a Reason to Believe"

Mastering Alchemy: Practical Tools for Managing the Shift… How Do You Want to Be Seen? Part 2

Happiness

Mortgage Rates (4/2/2010)

As Fed's mortgage purchases end, eyes turn to investors

Real estate relief: California rebound boosts 20-city index

Residential Lenders Ranked by Total Volume in 2009Q4

From bucolic bliss to 'gated ghetto'

Economy on footing for `double dip'

Geithner says loans will be problematic

Home prices in California show strong, unexpected gains in January

Mortgage Rates (4/1/2010)

Mortgage Rates (3/31/2010)

March 2010

Mortgage Rates (3/30/2010)

Mortgage Rates (3/29/2010)

Mortgage Rates (3/28/2010 - The Week Ahead)

Weekly Preview - 3/28/2010

Solve Problems Like a Genius

Gov't to unveil plan to shrink some home loans

How to Be Happy: 7 Tips to Regain Your Optimism

Mortgage Rates (3/26/2010)

Local Realtors lean heavily on short sales

Home loan modification program oversold: watchdog

White House to make changes to mortgage modification program

Mortgage Rates (3/25/2010)

Governor Expected to Sign Homebuyer Tax Credit

Mortgage Rates (3/24/2010)

PASS THIS ON TO ANYONE WHO MIGHT BE IN NEED

Expert predicts tenuous housing recovery

Mortgage Rates (3/23/2010)

Keeping you updated on the mortgage and real estate market! For the week of March 22, 2010

Keeping you updated on the market! For the week of March 22, 2010

Mortgage Rates (3/22/2010)

Mortgage Rates (3/21/2010 - The week ahead)

Improve Your Attitude: How to Create New Brain Pathways

Credit scores can drop after getting loan help (full article)

Mortgage Rates (3/19/2010)

Credit scores can drop after getting loan help

UNDISCLOSED SHORT SALE PAYMENTS MAY BE ILLEGAL

Mortgage Rates (3/18/2010)

Mortgage Rates (3/17/2010)

Mortgage Rates (3/16/2010)

Mortgage Rates (3/15/2010)

Permanently modified mortgages grow by 45%, government says

IRS tells homeowners how to get tax relief if a lender forgives part of their debt

5 states rush plans for $1.5B in housing funds

The Great Credit Squeeze

Keeping you updated on the market! For the week of March 15, 2010

Mortgage Rates (3/14/2010 - The Week Ahead)

Article: Understand F.E.A.R. to Eliminate Fear

7 Mental Strength Questions for Changing Your Life

Cleansing and Defense: Guard Your Energy with these 6 Methods

Homebuyers fueling market - for now

The $21 Billion Hot Potato

Mortgage Rates (3/12/2010)

Mortgage Rates (3/11/2010)

Mortgage Rates (3/10/2010)

Another Real Estate Market Opinion

U.S. housing giants are city-sized property owners

China's Challenge

Mortgage Rates (3/9/2010)

Lost money on house? ‘Short sellers’ face huge tax bills anyway

Mortgage Rates (3/8/2010b)

Mortgage Rates (3/8/2010)

Interest Rates (3/7/2010 - The Week Ahead)

Positive Affirmations, Do Positive Affirmations Really Work

Are Your Goals Accompanied with a Consistent Labor of Love?

Mortgage Rates (3/5/2010)

Mortgage Rates (3/4/2010)

Mortgage Rates (3/3/2010)

More Really Bad News on the Housing Front

Bank Lending Continues to Plunge

Consumer Confidence Falls Off a Cliff

Orange officials sue couple who removed their lawn

Mortgage Rates (3/2/2010)

Many borrowers in default stay put as lenders delay evictions

Home sales pick up in the West

State homesellers average $21,000 less initial than asking price

Another Report from the Housing Market’s Front Lines

Mortgage Rates (2/27/2010 - The Week Ahead)

February 2010

Creation – Step VI: Using “Make Believe” To Empower Your Intentions

Spiritual Energy: Your Renewable Resource

Five Reasons to Feel Happy When You're Sad

Mortgage Rates (2/26/2010)

Mortgage Rates (2/25/2010)

Jumbo mortgage market is beginning to thaw

Leading Economic Indicators Keep Rising, but …

Foreclosure situation combines with looming end of incentives

Mortgage Rates (2/24/2010)

Mortgage Rates (2/23/2010 b)

Mortgage Rates (2/23/2010)

Mortgage Rates (2/22/2010)

Keeping you updated on the market! For the week of February 22, 2010

Mortgage Rates (2/21/2010 - The Week Ahead)

Creation – Step V – Emotion Motion

The Foundations of Great Achievement

Difficult People: How to Deal with the Know-It-All

S&P Estimates a Three-Year Overhang of Shadow Inventory

Mortgage Rates (2/19/2010)

the Fed raised its discount rate last night

Southern California home prices rise 8.6%

TransUnion: Surprising increase in souring mortgages

New wave of foreclosures by end of 2010 is feared

Fourth quarter 2009 housing affordability

SoCal home prices fall

Mortgage Rates (2/18/2010)

Number of modified mortgages jumps sharply

Short sales grow as a cheaper alternative to foreclosure

How to avoid common tax errors made by new homeowners

Homeowners' equity is again on the rise after three years of unprecedented shrinkage

It's Not the Circumstances, It's Us

Mortgage Rates (2/17/2010)

Mortgage Rates (2/16/2010)

Citi's Foreclosure Alternative Allows Homeowners to Stay for Six Months

Mortgage Rates (The Week Ahead - 2/14/2010)

Possible ATM scam, check your receipts

John Wooden's 12 Lessons in Leadership

Mortgage Rates (2/12/2010)

MAKING SENSE OF THE "FEWER HOMEOWNERS SEE HOME VALUES FALLING" STORY

Five Tips to De-Stress Relationships

Median home prices rise in more than 40 pct of US metropolitan areas in fourth quarter of 2009

Foreclosure activity falls 10% in January

U.S. aims to stop backing mortgages

Bernanke says Federal Reserve will scale back stimulus policies . . . eventually

Mortgage Rates (2/11/2010)

The Road Map to Higher Interest Rates: Seven Signs of the End of Free Money

Home loan demand drops despite drop in rates

Mortgage Rates (2/10/2010)

Mortgage Rates (2/9/2010)

Loan Resets Projected to Cause Mortgage Crisis in 2010

FTC Rule Bans Up-Front Fees for Modifications

Mortgage Rate (2/8/2009)

'Cash-in' refis growing in popularity

Mortgage Rates (2/7/2010 - The Week Ahead)

Frequently Asked Questions About the First-Time Home Buyer Tax Credit

Frequently Asked Questions About the Move-Up/Repeat Home Buyer Tax Credit

Giving Back to the World

Those seeking to ease their mortgage terms must now document their finances before a trial modification will be granted, the Obama administration says. Loan servicers must adopt the policy by June 1.

Rising FHA default rate foreshadows a crush of foreclosures

The Home Buyer Tax Credit is Expiring Soon: You Must Act Now to Take Advantage of This Benefit

Mortgage Rates (2/5/2010)

The Worst of the Housing Slump is Not Over

Mortgage Rates (2/4/2010)

Mortgage Rates (2/3/2010)

Fed’s Currency Swap Lines: A BIG deal for the Dollar

Contracts to buy homes inch up in December

IRS finally publishes rules for $6,500 repeat home buyer tax credit

Mortgage Rates (2/2/2010)

Sen. Ron Calderon Seeks to Expand, Extend State Housing Credit

Get ahead of the slow-moving loan-mod train

FHA revises 'anti-flipping' rule - update

FHA revises 'anti-flipping' rule

Mortage Rates (2/1/2010)

Mortgage Rates (2/1/2010 - The Week Ahead)

January 2010

How to stay safe in the world today.

Remember to Disconnect

Losing Your Memories, Gaining Your Truth

New rule affects homeowners in foreclosure avoidance program

Mortgage Rates (1/29/2010)

No Plans for Mortgage-Principal Reductions

Home sizes fall as builders, buyers embrace economic reality

California's Home Inventory Shrinks to 5-Year Low

Fed keeps key interest rates steady despite board member's disapproval

Mortgage applications fall 11% last week

California mortgage defaults drop 24.3%

Mortgage Rates (1/28/2010)

Mortgage Rates (1/27/2010 - Afternoon Update)

At-risk FHA borrowers to receive early relief assistance

Fed leaves key rate unchanged

Outlook for housing market is muddied by minuscule rise in prices

Nationwide home sales plunge - Locally, L.A. County, state show gains

Why the Economy May Disappoint in 2010

Mortgage Rates (1/27/2010)

Mortgage Rates (1/26/2010)

December home sales down nearly 17 percent

Home prices rising: L.A. County values up 5.6% from year before

Mortgage Rates (1/25/2010)

Mortgage Rates (1/24/2010 - The Week Ahead)

Do You Feed Negativity?

Cleaning for a Reason

ME-Vows: The 5 Promises You Must Make With Yourself

How to stay safe in the world today

200 Bank Failures Expected in 2010

World financial markets shudder as China starts to put brakes on its fast-growing economy

Obama proposes tough new restrictions for banks - The president essentially seeks a return to rules, repealed in 1999, that prevented bank holding companies from owning both commercial banks and Wall Street investment firms.

Obama proposes tough new restrictions for banks

Mortgage pain persists for BofA, Wells, U.S. Bancorp

Mortgage Rates (1/22/2010)

California Traffic Tickets Fines

Mortgage Rates (1/21/2010)

Guidelines for filing complaints against HAMP servicers

Southern California housing market strengthens in December

Federal Housing Administration to raise fees

Home Prices End 2009 at $435,000

Upcoming FHA changes

Mortgage Rates (1/20/2010)

Treasury Dept. says loan modification picture is improved

Mortgage lenders exploit a loophole in HUD's new 'good faith estimate' rules

Taxi or LIMO?

U.S. offers special homeowner benefits to military personnel

Mortgage Rates (1/19/2010)

MARKET RECAP (1/18/2010)

Mortgage Rates (1/17/2010 - The Week Ahead)

CNBC – Big Banks, Short Sales, Kick Backs and Fraud

HUD TAKES ACTION TO SPEED RESALE OF FORECLOSED PROPERTIES TO NEW OWNERS

Creation, The Game of Intention – Step 3: Do Unto Others…(and a Giveaway Announcement)

5 Ways to Unlock Your Potential

Holiday moratoriums slowed California foreclosures in December

U.S. 2009 foreclosures shatter record despite aid

Mortgage Rates (1/15/2010 b)

Homebuyer beware: the real estate game lacks fair play

Salt water fueled cars????

Mortgage Rates (1/15/2010)

Economic recovery not a typical one

KB Home posts profit for quarter

Fed quietly posts record $46.1-billion profit in 2009

Signs of life in the home-building industry

NEW YEAR BRINGS NEW LOWS IN HOME PRICE REDUCTION LEVELS ACCORDING TO TRULIA

Bankruptcy’s often overlooked tie to homeownership

Mortgage Rates (1/13/2010)

The Largest Tax Increase in US History

Mortgage Rates (1/12/2010)

Remember $4-a-gallon gas? It's likely coming back

Risk-based pricing notices could cut mortgage fees and interest rates

Going to sell the house? Don't wait for 'spring' in February

Mortgage Rates (1/11/2010)

Foreclosures weigh on home appraisals

Losing a home? A tax bite may be next

Believe In Your Future

Banks take revenge for new consumer rules

Gov. Schwarzenegger Lays out Priorities, Urges Continued Bipartisan Teamwork in State of the State Address

Mortgage Rates (1/8/2010)

Mortgage Rates (1/7/2009)

Treasury Moves to Offer Rewards for Short Sales

Mortgage Rates (1/6/2010)

Homeowners forced to buy flood insurance after FEMA redraws maps

How to check your property's flood status

The Treasury Department released guidelines and forms for its new Home Affordable Foreclosure Alternatives Program (HAFA)

Mortgage Rates (1/10/2010)

The interest rate for a 30-year loan ticks up to 5.14%, the fourth consecutive weekly increase.

Bernanke calls for stronger regulation against excessive speculation

Mortgage Rates (1/4/2010)

Mortgage Rates (1/3/2010 - The Week Ahead)

December 2009

Our View: The human touch could save more mortgages

Mortgage Rates (12/31/2009)

Mortgage Rates (12/30/2009)

Mortgage Rates (12/29/2009)

Real estate expert sees good and bad going forward in 2010 and beyond

No more extensions of tax credit for first-time home buyers

Mortgage Rates (12/28/2009)

Mortgage Rates (12/27/2009 - The Week Ahead)

Four Tips to De-Stress Your Spirit

Mortgage Rates (12/24/2009)

Mortgage Rates (12/23/2009)

Mortgage Rates (12/22/2009)

One debit-card overdraft can trigger an avalanche

Mortgage Rates (12/21/2009)

More homes are poised to hit the market

Era of sub-5% mortgages could be over soon

Mortgage Rates (12/20/2009 - The Week Ahead)

An Unforgettable Story

LENDERS TO HALT FORECLOSURE EVICTIONS OVER THE HOLIDAYS

Mortgage Rates (12/18/2009)

Bay Area real estate investors snap up properties in Sacramento, Vegas

How to Learn Your Credit Score

Foreclosure backlog estimated at 1.7M

California population growth slowest in more than a decade

Loan funds feel cash squeeze

Mortgage Rates (12/17/2009)

U.S. FORECLOSURE ACTIVITY DECREASES 8 PERCENT IN NOVEMBER

FED leaves rates as they are

Fannie Mae says it won't consider offers from investors to buy its foreclosed properties until they have been on the market for 15 days.

HR 615 please act!

Mortgage Rates (12/16/2009 - update)

Fannie Mae Announces Deed for Lease™ Program

Obama's standardized short-sale plan could help troubled homeowners

Obama pushes home improvement to create jobs, save energy

Southern California home prices and sales improve in November

Geithner: bailout program extended to October

Mortgage Rates (12/16/2009)

Mortgage Rates (12/15/2009)

Our December newsletter is now on line for you to enjoy

really cool video - spend some time with it

House Passes Reform Legislation but Scraps Bankruptcy Cramdowns

Mortgage Rates (12/14/2009)

Mortgage Rates (12/14/2009 - The Week Ahead)

Manage Your Actions and You'll Free Your Time

Your Destiny Is Built on Daily Habits

Mortgage Rates (12/11/2009)

Consumer borrowing falls yet again

California No. 3 for lost homes

Committee blasts Obama's mortgage relief plan

Mortgage Rates (12/10/2009)

Real estate expert sees good and bad going forward

IRS to outline changes in the home buyer tax credit program

Mortgage Rates (12/9/2009)

Mortgage Rates (12/8/2009)

Mortgage Rates (12/6/2009 - The Week Ahead)

Santa's 7 Holiday Stress-Busting Secrets

Gov't increases pressure on mortgage industry

State ruling to cut most property taxes

Gov't unveils rules to speed up 'short sales'

Mortgage Rates (12/4/2009)

Napolitano vows LA hearing on state's water crisis

Rates on 30-year mortgages set new record low

Home buyers will have to lay out more cash for an FHA mortgage

Mortgage Rates (12/3/2009)

Mortgage Rates (12/2/2009)

The Fed Fears a New Mortgage Crisis

HUD ISSUES NEW MORTGAGE RULES TO HELP CONSUMERS SHOP FOR LOWER COST HOME LOANS

New FICO site helps borrowers seeking loan modifications

Mortgage Rates (12/1/2009)

November 2009

Administration plans new efforts on foreclosures

Home prices up - but for how long?

Mortgage Rates (11/30/2009)

Mortgage Rates (11/29/2009 - The Week Ahead)

45 lessons life taught me

Hope for a strong economic rebound is fading

Many 'underwater' mortgage holders really aren't, data firm says

New $6,500 federal tax credit for 'move-up' home buyers may benefit you

Mortgage Rates (11/27/2009)

A Day of Thanks

Mortgage Rates (11/25/2009)

Mortgage Rates (11/24/2009)

Mortgage Rates (10/23/2009 (1))

Mortgage Rates (11/23/2009 - The Week Ahead)

Home buyer tax credits for all

Foreclosures will keep rising through 2010, report says

FHA-insured mortgages may become more expensive and harder to get

Thanksgiving or Thanks-Receiving?

Mortgage Rates (11/20/2009)

House panel OKs granting of bank breakup power

Mortgage Rates (11/19/2009)

Serious home loan delinquencies are above 10% of mortgages in California

Southern California home prices edge upward again in October

Home Prices Rise $7,500 in October in Orange County (CA)

10 Little Things that Make a Big Difference

Mortgage Rates (11/18/2009)

Mortgage Rates (11/17/2009)

Mortgage Rates (11/15/2009 - The Week Ahead)

Begin at the End

How to Live a Healthy and Joyful Life

Getting Serious About Your House and the Market

How to rent your home from Fannie Mae

Consider this a last call for FHA Streamline Refinances

Banks Rasie Mortgage Qualification Standards

Mortgage Rates (11/13/2009)

Mortgage Rates (11/12/2009)

Thinking of halting payments on house?

Just Desserts and Markets Being Silly Again

HAPPY VETERAN'S DAY TO ALL

Mortgage Rates (11/11/2009)

Mortgage Rates (11/10/2009)

Mortgage Rates (11/9/2009 - part II)

$8,000.00 Tax credit

A day after the Senate, the House also overwhelmingly OKs 14 more weeks of jobless benefits -- 20 weeks in hard-hit states such as California -- and an expansion of the home buyer tax-credit program.

Fannie Mae to allow borrowers in foreclosure to lease back homes

Mortgage Rates (11/9/2009)

Broken Heart Advice: Coping Tips When You Just Can't Let Go

Mortgage Rates (11/6/2009)

Mortgage Rates (11/4/2009)

Mortgage Rates (11/3/2009)

Geithner Urges Extension of Homebuyer Credit

Mortgage Rates (11/2/2009)

Mortgage Rates (11/1/2009 - The Week Ahead)

Toxic Relationships: Love Them, But Leave Them

October 2009

Transforming Difficult Relationships with Curiosity

Mortgage Rates (10/30/2009)

Home prices in major cities continue to climb - Standard & Poor's/Case-Shiller index rises 1% in August from July in its third consecutive monthly gain. Southern California cities, led by L.A. and San Diego, show notable increases.

Housing prices increase across US

If You’re Going to Buy a House, Do it Now

Senators Agree To Extend Homebuyer Tax Credit

Mortgage Rates (10/29/2009)

Mortgage Rates (10/28/2009)

Mortgage Rates (10/27/2009)

Mortgage Rates (10/26/2009)

Mortgage Rates (10/25/2009 - The Week Ahead)

Commitment: The Essential Ingredient In Your Relationship

Home sales rise 9.4% in September, beating forecasts

Home-Buyer Credit Tempts Tax Cheats

Mortgage Rates (10/23/2009)

For mortgages, 620 is the new magic number

Mortgage Rates (10/22/2009)

Extending credit 2 area lawmakers back prolonging homebuyer program

Feared flood of foreclosures in California may be averted

Government Measures No Match for Second Wave of Foreclosures

Mortgae Rates (10/21/2009)

Bank errors mar mortgage relief

Mortgage Rates (10/20/2009)

Mortgage Rates (10/19/2009)

Mortgage Rates (10/19/2009 - The Week Ahead)

Six Needs of Every Successful Relationship

Marry the Right Person in the First Place!

Brown Alerts Homeowners that New Law Prohibits Up-front Fees for Foreclosure Relief Services

Mortgage Rates (10/16/2009)

Mortgage Rates (10/15/2009)

The median sales price in some areas rose last month for the first time since the market crashed in 2007, according to MDA DataQuick.

Executives and economists at the Mortgage Bankers Assn. convention say job losses have replaced adjustable subprime loans as the main cause of defaults.

L.A. County home prices inch up (10/14/2009)

L.A. County home prices inch up

Mortgage Rates (10/14/2009)

Housing risks still lurk even as buyers return

Mortgage Rates (9/13/2009)

Creation, The Game of Intention - Step 2 “SURPRISE”

Creation, The Game of Intentions - Step 1

Mortgage Rates (10/11/2009 - The Week Ahead)

Relationship Advice: Be Willing to Have Your Partner Be Upset With You

Killing the Goose What Were We Thinking?

The Installation of Love

Mortgage Rates (10/9/2009)

Mortgage Rates (10/8/2009)

Negotiating Skills Will Get You Ahead

Real Estate Market Observations - October 2009

TAKE ADVENTAGE of the OPPORTUNITY of a LIFETIME BEFORE IT EXPIRES ON 12/1/2009

Mortgage Rates (10/11/2009)

Mortgage Rates (10/6/2009)

Mortgage Rates (10/5/2009)

Mortgage Rates (10/4/2009 - The Week Ahead)

consciousness and evolution - food for thought

The Five Financial Shockwaves to Expect When China’s Yuan Swaps Places with the U.S. Dollar

10 Words to Delete from Your Vocabulary

The U.S. Dept. of Housing and Urban Development (HUD) offers an online guide to preventing foreclosure.

Mortgage Rates (10/2/2009)

Mortgage Rates (10/1/2009)

The Economy & the Commercial Real Estate Bust

Mortgage Delinquencies - The Coming Storm

September 2009

Mortgage Rates (9/30/2009)

STATE BAR TAKES ACTION TO AID HOMEOWNERS IN FORECLOSURE CRISIS

LOAN MODIFICATION ATTORNEYS UNDER INVESTIGATION

Do you suggest trying to do a short sale or should I go for a loan modification?

What Michael Moore missed Commentary: He passed over the most potent weapon for a populist rebellion

Mortgage Rates (9/29/2009)

Mortgage Rates (9/28/2009)

Mortgage Rates (9/27/2009 - The Week Ahead)

"12 Things That Make Life Worthwhile"

The Brutal Truth About the Short Sale Timeline!

Market Matters and Beyond the Headlines (9/25/2009)

FHA will tighten credit standards

Mortgage Rates (9/25/2009)

Panda Express - Free SweetFire Chicken Breast Entree

Mortgage Rates (9/24/2009)

Special Report: How the Government is Setting Us Up for a Second Subprime Crisis

Mortgage Rates (9/23/2009)

Mortgae Rates (9/22/2009)

Home Prices Going Down

Mortgage Rates (9/21/2009)

Mortgage Rates (9/20/2009 - The Week Ahead)

The Top 10 Ways to Lift Your Mood When You're Feeling Down in the Dumps

The Secret Benefits of Guided Meditation

Mortgage Rates (9/18/2009)

Mortgage Rates (9/17/2009)

SoCal home sales dipped in August

Experts: Recovery to be painful

Southland home prices move north for fourth consecutive month

Mortgage Rates (9/16/2009)

Recession may forge a housing shift in California

Mortgage Rates (9/15/2009)

Mortgage Rates (9/14/2009)

Mortgage Rates (9/13/2009 - The Week Ahead)

What is Spiritual Healing?

Four Levels of Living: Getting on the Fast Track for Transformation and Growth

Credit Scores: What You Need to Know Now

Home Price Increases Depends on Foreclosure Sales

A Down Payment Anomaly

U.S. plans next step in financial rescue

Mortgage Rates (9/11/2009)

Our observations of the real estate market

TAKE ADVENTAGE of the OPPORTUNITY of a LIFETIME BEFORE IT EXPIRES

Foreclosures dropping State still posts third highest rate in nation

Mortgage Rates (9/10/2009)

As an Exotic Mortgage Resets, Payments Skyrocke

Mortgage Rates (9/9/2009)

Mortgage Rates (9/8/2009)

Mortgage Rates (9/7/2009 - The Week Ahead)

Biomimicry: 12 Sustainable Design Ideas from Nature

Watch Your Waistline

Are You Living Your Purpose?

Mortgage Rates (9/4/2009)

Mortgage Rates (9/3/2009)

An Uncomfortable Choice

Mortgage Rates (9/2/2009)

California homeowners facing insurance rate hikes

Mortgage Rates (9/1/2009)

August 2009

Mortgage Rates (8/31/2009)

Mortgage Rates (8/31/2009 - The Week Ahead)

4 Key Tips for De-Stressing the Mind

A New Meditation for Busy People

Would You Like to Stop Worrying about What Others Think?

Painful Procrastinations are an Invitation to Look Inward with WHEE

Mortgage Rates (8/28/2009)

Mortgage Rates (8/27/2009)

California property values fall for the first time in 76 years

Housing index hints at upturn in home prices

Mortgage Rates (8/26/2009)

Mortgage Rates (8/25/2009)

Mortgage Rates (8/24/2009)

Mortgage Rates (8/23/2009 - The Week Ahead)

To Those That I Love and Care

Iraq Endgame

A few good articles to consider

Mortgage Rates (8/21/2009)

Pick me up jokes. Laugh a little.

Mortgage Rates (8/20/2009)

L.A. County housing market 'stabilizing'

Low prices boost Southern California home sales in July

Mortgage Rates (8/19/2009)

Mortgage Rates (8/18/2009)

Mortgage Rates (8/16/09 - The Week Ahead)

Start house-hunting now to qualify for tax credit for first-time home buyers

Some saw the housing bubble and sold; trick now is spotting the bottom

Mortgage Rates (8/17/09)

Keeping you updated on the market! - For the week of August 17, 2009

New Foreclosure Numbers Eclipse Recent Optimism

Understanding banks' new credit criteria

Empower or Enable

Happy Relaxation Day!

Mortgage Rates (8/14/2009)

Foreclosure backlog keeps building

Foreclosed homes mount

Foreclosures rise 7 percent in July from June

Housing Recovery Will Be Slow as Foreclosures Continue to Weigh on Housing Prices

Loan Modificatin Fraud

5 Tips to Avoid Being Scammed When Dealing With a Loan Modification

Mortgage Rates (8/13/2009)

Mortgage Rates (8/12/2009 - Afternoon Update)

Mortgage Rates (8/12/2009)

Mortgage Rates (8/11/2009)

Rookie Home Buyer Mistakes

First-time home buyer tax credit faces increased IRS scrutiny

Mortgage Rates (8/10/2009)

Mortgage Rates (8/9/2009 - The Week Ahead)

When is Doing Nothing a Good Idea?

Mortgage Rates (8/7/2009)

Mortgage Rates (8/6/2009)

Mortgage Rates (8/5/2009)

Bankers say they'll restrict lending

Credit card industry enters a new era

Mortgage Rates (8/4/2009)

Mortgage Rates (8/3/2009)

Mortgage Rates (8/2/2009 - The Week Ahead)

HOW TO CALL THE POLICE WHEN YOU'RE OLD AND DON'T MOVE FAST ANYMORE

July 2009

PMI company changes

Has the Housing Market Really Hit Bottom, or Is It Headed for Another Collapse?

Mortgage Rates (7/31/2009)

Mortgage Rates (7/30/2009)

Lenders lack incentive to halt some foreclosures

Home prices may be stabilizing, market tracker shows

Mortgage Rates (7/29/2009)

Mortgage Rates (7/28/2009)

Fewer foreclosures initiated in California in second quarter

Mortgage Rates (7/27/2009)

Is Fear Managing Your Life?

Mortgage Rates (7/26/2009 - The Week Ahead)

Emotional Freedom and Abundance

Mortgage Rates (7/24/2009)

Mortgage Rates (7/23/2009)

Mortgage Rates (7/22/2009)

Mortgage Rates (7/21/2009)

Grief and Telling the Truth

Mortgage Rates (7/20/2009)

Mortgage Rates (7/19/2009 - The Week Ahead)

NEW LOAN DISCLOSURE RULES MAY POTENTIALLY AFFECT CLOSE OF ESCROW

Market Condition Update (July 2009)

Mortgage Rates (7/17/2009)

Five Daily Self Improvement Practices to Change Your Life

Remember Who You Are

Southern California median home sales price surges in June

Southland home prices surge to highest level in 30 months

Housing value bouncing back?

Mortgage Rates (7/16/2009)

Mortgage Rates (7/15/2009)

Mortgage Rates (7/13/2009)

Mortgage Rates (7/12/2009 - The Week Ahead)

Some People

Reality Bites

Mortgage Rates (7/10/2009)

Mortgage Rates (7/9/2009)

Mortgage Rates (7/8/09)

Mortgage Rates (7/7/2009)

Another wave of foreclosures is poised to strike

Mortgage Rates (7/6/2009)

Mortgage Rates (7/6/2009 - The Week Ahead)

Searching for a bottom in the housing market

Home-buyer tax-credit program cut off by state

U.S. raises home refi plan's loan-to-value ceiling to 125%

Mortgage Rates (7/2/2009)

‘Immortal’ jellyfish swarming across the world

Meditation for Spiritual Healing

Mortgage Rates (7/1/2009)

Stimulus Laws for 2009 - Related To Housing

June 2009

FHA Loan vs. Conventional Loan

Mortgage Rates (6/30/2009)

Mortgage Rates (6/29/2009)

Snapshot Management: Leaders Under the Spotlight Use Emotional Intelligence

Mortgage Rates (6/28/2009 - The Week Ahead)

Mortgage Rates (6/26/2009)

8 Ways to Break a Plateau

SKINNY HOUSE

Mortgage Rates (6/25/2009)

Mortgage Rates (6/24/2009 - AFTERNOON UPDATE)

Mortgage Rates (6/24/2009)

Mortgage bankers cut U.S. loan origination forecast

Mortgage Rates (6/23/2009)

Mortgage Rates (6/22/2009)

Mortgage Rates (6/22/2009 - The Week Ahead)

Mortgage Rates (6/18/2009)

Mortgage Rates (6/17/2009)

Mortgage Rates (6/16/2009)

Mortgage Rates (6/15/2009)

Mortage Rates (6/14/2009 - the week ahead)

Validation - Award winning short film

State releases school rankings; nearly a quarter of Whittier sites get 9s or 10s

Mortgage Rates (6/12/2009)

New-Home Inventories Continue Shrinking In April

Mortgage Rates (6/11/2009 Afternoon Update)

Mortgage Rates (6/11/2009)

Signs of more trouble ahead for housing market

Mortgage Rates (6/10/2009)

Mortgage Rates (6/9/2009)

Sales of pre-owned U.S. homes rise 2.9% in April

Home foreclosures hit record in first quarter

Economists say recession to end in third quarter

Finally, Achieve the Goals You Set

Mortgage Rates (6/8/2009)

Mortgage Rates (6/7/2009 - the week ahead)

Southern California property values sink below historic norms

Imagine No Limits

Mortgage Rates (6/5/2009)

Mortgage Rates (6/4/2009)

Mortgage Rates (6/3/2009)

How GM's bankruptcy affects you

Pending home sales rise 6.7 percent in April

Mortgage Rates (6/2/2009)

Mortgage Rates (6/1/2009)

Obama's Loan Modification Plan: 7 Things You Need to Know

Mortgage Rates (5/31/2009 - Week Ahead)

May 2009

Our View: Government measures not helping housing market

Many modified mortgages will default again, Fitch Ratings projects

Mortgage Rates (5/29/2009)

Mortgage Rates (5/28/2009)

Mortgage Rates (5/27/2009)

Mortgage Rates (5/26/2009)

sack lunch

Mortgage Rates (5/25/2009 - The Week Ahead)

Life Maps: Envisioning Success

Work Wisely: Work Less Hours, Make More Money

NEW FEDERAL LAW AFFECTING DISTRESSED PROPERTIES

Mortgage Rates (5/22/2009)

Mortgage Rates (5/21/2009)

Focus on Health - The Benefits of a Peaceful Mind

FREE PACK OF HOT DOGS

Mortgage Rates (5/20/2009 Afternoon Update)

Mortgage Rates (5/20/2009)

Mortgage Rates (5/19/2009)

How many zeros in a billion?

Mortgage Rates (5/18/2009)

Mortgage Rates (5/18/2009 Looking Ahead)

Remembering a True 'Enchanted Self'

FORECLOSURE ACTIVITY REMAINS AT RECORD LEVELS IN APRIL

Schwarzenegger outlines drastic budget cuts

A Short Sale May Not Mean You're Home Free

Bidding Wars Are Emerging on Foreclosures

Mortgage Rates (5/15/2009)

Mortgage Rates (5/14/2009)

To Rent or Buy in 2009?

Buying Time Against Foreclosure

Reverse mortgage variation is aimed at seniors looking to downsize

U.S. expanding foreclosure prevention plan

Mortgage Rates (5/13/2009)

Mortgage Rates (5/12/2009)

Color Psychology: Choose the Right Color for Your Listings

Mortgage Rates (4/11/2009)

Mortgage Rates (5/11/2009 - the week ahead)

SMART Goal Setting 101: The Definitive Guide to Goal Achievement

Is Goal Setting Holding You Back?

Postage Rates Are Changing on May 11

Mortgage Rates (5/8/2009)

Mortgage Rates (5/7/2009)

Mortgage Rates (5/6/2009)

How to really help troubled homeowners

Making Home Affordable program may enable millions to refinance mortgages

Top Ten Tips to be a Successful Seller

Mortgage Rates (5/5/2009)

What the expanded remodeling tax credit means for consumers.

A one-stop source for credit card comparisons

Mortgage Rates (5/4/2009)

Mortgage Rates (5/4/2009 - The Week Ahead)

The Power of Words

New condo loan rules could hurt distressed areas

Obama administration seeks to regulate large financial corporations

Southland median home price holds to $250,000 in February

FREDDIE MAC ANNOUNCES TWO INITIATIVES SUPPORTING PRESIDENT OBAMA'S MAKING HOME AFFORDABLE PLAN

Citigroup to cut mortgage payments for some unemployed customers

$75-billion housing plan unveiled

Obama plan to prevent foreclosures enables more homeowners to refinance

Affordability Highest Since Start Of Decade

Saving Capitalist Banking and a Speech by Paul Volker

Obama's Energy Plan: Trying to Kill 3 Birds With 1 Stone

Mortgage Rates (4/30/2009 - a bit late but good information)

Mortgage Rates (5/1/2009)

California posts 2.2 percent monthly gain in its median home price

April 2009

Mortgage Rates (4/29/2009)

Mortgage Rates (4/28/2009)

Mortgage Rates (4/27/2009)

Mortgage Rates (4/27/2009 - the week ahead)

Offer to reassess home raises red flag

Reduce, Reuse, Recycle

Goals and Visions Unlimited

CHOICE IS THE KEY TO CONSCIOUS CREATIVITY

Headed for foreclosure? Here's what to expect

Mortgage Rates (4/24/2009)

Mortgage Rates (4/23/2009)

Appreciation A-B-Cs

Mortgage Rates (4/22/2009)

New checks, balances coming to financial industry

Deflation: When low prices buy high anxiety

Something to laugh about - The economy is so bad:

Mortgage Rastes (4/21/2009)

Obama launches mortgage rescue plan

Mortgage Rates (4/20/2009)

Fannie Mae, Freddie Mac are raising fees, toughening rules for credit scores and down payments

Can Acorns Cure this Crisis?

Holiday blues: Weakness unmatched in 35 years

Mortgage Rates (4/20/2009 The Week Ahead)

When The World Came Together

Maytag recalls 1.6 million refrigerators - over fire hazard

Read this Article about Procrastination Right NOW!

Finding Joy

First-Time Homebuyer Credit Questions and Answers: Basic Information

Moortgage Rates (4/17/2009)

Mortgage Rates (4/16/2009)

The World's Biggest Cash Pile

Stop Negative Self-Talk! Five Ways to Build Confidence and Happiness

Mortgage Rates (4/15/2009)

Mortgage Rates (4/14/2009)

Those Wild and Crazy Analysts - On Real Estate

Mortgage Rates (4/13/2009 part B)

Mortgage Rates (4/13/2009)

Medal of Honor Winner Ed Freeman

A silver lining in the current housing market

Signs of life in California Real Estate

Write for Profit with a Passion and Avoid 'Analysis Paralysis'

Mortgage Rates (4/10/2009)

Mortgage Rates (4/9/2009)

Mortgage Rates (4/7/2009)

Home sales climb nearly 70 percent

Common loan modification programs offered by banks

Mortgage Rates (4/6/2009 - The Week Ahead)

Mortgage Rates (4/3/2009)

C.A.R. LAUNCHES MORTGAGE PROTECTION PROGRAM

Tax Break For First-Time Buyers - Explained

Tax hikes begin today

Opposing forces tug on banks

FDIC wants new ceiling on interest rates paid by weak banks

Mortgage Rates (4/2/2009)

March 2009

Federal Housing Finance Agency proposes to trim Fannie, Freddie portfolios

Housing Plan Will Accelerate Loan Modifications, HUD Says

Home values in L.A., Orange counties higher than reported, Zillow.com says

Mortgage Rates (3/31/2009)

Mortgage Rates (3/30/2009)

Mortgage Rates (3/30/2009 - The Week Ahead)

It's your last weekend to shop before the sales tax increase

Mortgage Rates (3/27/2009)

Fannie Mae Undertakes "Making Home Affordable" Refinancing and Modification Initiatives

The Time is Now for Real Estate

Another tool to escape foreclosures

Mortgage Rates (3/25/2009)

Existing home sales rise 5.1% in February

Assembly OKs 20-week extension of unemployment pay

Market rallies behind bank rescue plan

The new rules of mortgage lending

Aid will turn renters into owners - San Diego County

Mortgage Rates (3/24/2009)

How Long Does a Loan Modification Take?

10 properties per investors

Mortgage Rates (3/23/2009)

Upsiding the Downturn

Mortgage Rates (3/22/2009 The Week Ahead)

Obama's plan to limit write-offs provokes push-back

A Waiting Game for Refinancing

State Housing Agencies Get Caught in Credit Crunch

Home sales on the rise

Deeds-in-Lieu of Foreclosure

Mortgage Rates (3/20/2009)

Banks Sitting On An Inventory Time Bomb

Mortgage Rates (3/19/2009)

Long-Term Outlook: Slow Growth And Deflation

Mortgage Rates (3/18/2009 Afternoon Update)

Mortgage Rates (3/18/2009)

Mortgage Rates (3/17/2009)

Mortgage Rates (3/16/2009)

Morgage Rates (3/15/2009 - The Week In Preview)

Clean Up Your Credit

Self-Confidence -- The First Step toward Career and Life Success

7 Ways to Achieve Greater Confidence

Reynolds wrap and the such...

Mortgage Rates (3/13/2009)

Property Tax Reduction Scam Alert

Mortgage Rates (3/12/2009)

Maytag recalls 1.6 million refrigerators over fire hazard

Housing Stimulus Laws for 2009

HOUSING ECONOMIC RECOVERY OWNERSHIP (HERO)

The New World of Lending

REO transactions and RESPA

Mortgage Rates (3/11/2009)

FTC's warning to foreclosure fix-it firms

Mortgage modification fails to slow state, Inland foreclosures

Mortgage Rates (3/10/2009)

Southern California home prices fall, affordability returns to normal

Mortgage Rates (3/9/2009)

Mortgage rates (3/8/2009)

Mortgage Rates (3/6/2009)

Mortgage Rates (3/5/2009)

Walking the dog - (humor)

Mortgage Rates (3/4/2009)

STATE TO OFFER NEW-HOME BUYERS $ 10,000 TAX CREDIT

Keep people in their homes, real Help for the economy

Mortgage Rates (3/3/2009)

Mortgage Rates (3/1/2009)

Mortgage Rates (3/1/2009 - Weekly Preview)

February 2009

Fannie Mae Extends Foreclosure Sale & Eviction Suspension

The Looming Crisis Beyond Today's Financial Disaster

Mortgage Rates (2/27/2009)

Mortgage relief via the courts

Mortgage Rates (2/26/2009)

Mortgage Rates (2/25/2009)

Obama recovery plan stimulates whining

Homeowner Affordability and Stability Plan - Obama Administration's Home Mortgage Crisis Fact Sheet

The Homeowner Affordability and Stability Plan

Mortgage Rates (2/24/2009)

LOCAL REAL ESTATE TREENDS

Mortgage Rates (2/22/2009)

The 2 Essentials for Finding Your 'Real' Voice

Delinquencies Increase, Foreclosure Starts Flat in Latest MBA National Delinquency Survey

Mortgage Rates (2/20/2009)

California Finally Has A Budget

Comptroller Dugan Highlights Re-default Rates on Modified Loans

Mortgage modifications falling short of goal

Mortgage Rates (2/19/2009)

Bernie Madoff - How To Avoid A Ponzi Scheme

Mortgage Rates (2/18/2009)

JPMorgan, Citigroup halting foreclosures

Obama vows to turn next to housing crisis

Banks still stingy on lending

Countrywide Sued Over Denied Modification

The Six Lessons from Last Week's Action

Mortgage Rates (2/17/2009)

Mortgage Rates (2/15/2009 - The Week Ahead)

Economic stimulus money will reach nearly all

White House and major banks act on housing crisis

American Recovery and Reinvestment Act of 2009

Mortgage Rates (2/13/2009)

Introducing the Financial Stability Plan

White House, Congress Reach Final Compromise on Stimulus

Mortgage Rates (2/12/2009)

Mortgage Rates (2/11/2009)

Can We Really Believe "California Comeback" Report?

On G-20 and GM: Economics, Politics and Social Stability

Mortgage Rates (2/10/2009)

Mortgage Rates (2/9/2009)

Mortgage Rates (2/8/2009)

Back Pain at the Office

Mortgage Rates (2/6/2009)

Mortgage Rates (2/5/2009)

Interesting thoughts on the new stimulus plan

Mortgage Rates (2/4/2009)

motivated entrepreneurs will be what really create a growing economy

Mortgage Rates (2/3/2009)

Mortgage Rates (2/2/2009)

Countrywide and Landsafe Sued over Appraisals

January 2009

The Dangers of Keeping Your Feelings to Yourself (and What to Do About It)

How new bank deposit coverage may affect you

Mortgage Rates (1/30/2009)

First time buyers could receive a $7,500 tax credit if they purchase

Opinion on the Current Economic Issues

Foreclosures, delinquencies skyrocketing among 'prime' borrowers

Mortgage Rates (1/29/2009)

Mortgage Rates (1/28)2009 afternoon update)

Mortgage Rates (1/28/2009)

Mortgage Rates (1/27/2009)

Mortgage Rates (1/26/2009)

Mortgage Rates (1/25/2009)

Mortgage Rates (1/23/2009)

Mortgage Rates (1/22/2009)

Mortgage Rates (1/21/2009)

Be Part of the American Dream – Become a Homeowner! - City of Upland

Claremont’s New Ordinance: Registration and Maintenance of Abandoned Properties CMC Chapter 8.17

Senator Dutton Introduces SB 49 - Bill Would Create Homebuyer Tax Credit

U.S. announces mortgage affordability plan

Citigroup Deal May Push All Mortgage Rates Higher

Mortgage Rates (1/20/2009)

IRS TO EXPEDITE TAX LIEN RELIEF FOR HOMEOWNERS

Mortgage Rates (1/19/2009)

The Joy of Failure -- Build Your Support Network For Happiness & Success

December California Foreclosure Report - NOTICES OF DEFAULT NEARLY DOUBLE

Finding Your Purpose in Life is easier than you think

Mortgage Rates (1/16/2009)

The New Tax Laws - A Quick Heads-Up for April 15th

Mortgage Rates (1/15/2009)

Mortgage Rates (1/14/2009)

2009 FHA Loan Limits Announced

Mortgage Rates (1/13/2009)

Mortgage Rates (1/12/2009)

CONFORMING LOAN LIMIT FOR U.S. TO REMAIN $417,000 IN 2009; DIFFERENT LIMITS IN SOME AREAS

Mortgage Rates (1/11/2009)

INSTRUCTIONS FOR LIFE

2008 final foreclsoure count

Mortgage Rates (1/9/2009)

$7500 First-Time Homebuyer Income Tax Credit

Revising Loan Modifications

Mortgage Rates (1/8/2009)

Government's mortgage relief program gets few takers

Mortgage Rates (1/7/2008)

Mortgage Rates (1/6/2009)

Mortgage Rates (12/5/2008 part B)

Mortgage Rates (1/5/2008)

"I've got a great life!" (Why am I not happy?)

Mortgage Rates (1/2/2009)

December 2008

Mortgage Rates (12/31/2008)

Will mortgage rates drop again?

Housing Crisis Requires Bold Government Action, Says Real Estate Center Chief Economist

Mortgage Rates (12/30/2008)

Expectations lowered for new mortgage aid program

Some Thoughts On The Housing Market

Mortgage Rates (12/29/2008)

You Are What You Believe

Mortgage Rates (12/28/2008)

The Great American Housing Nightmare: Next Phase

Mortgage Rates (12/26/2008)

Mortgage Rates (12/24/2008)

The History of Christmas

'How did we get here?': The White House responds

California attorney general charges 8 people in alleged mortgage scam

Mortgage Rates (12/23/2008)

Mortgage Rates (12/22/2008)

Mortgage Rates (12/21/2008)

Homeownership has many advantages - both financial and personal

Mortgage Rates (12/19/2008)

Mortgage Rates (12/18/2008)

Mortgage rates at 37-year low

Wealth Strategy: Success by Association

How to fix the housing mess

Mortgage Rates (12/17/2008)

Fannie Mae Lets Renters Stay Despite Foreclosures

Mortgage Rates (12/16/2008)

Mortgage Rates (12/15/2008 part B)

Mortgage Rates (12/15/2008)

3 News Stories Every Homeowner Should Know

Errors in loan documents can save strapped homeowners

Mortgage Rates (12/12/2008)

Bernanke: more action needed to cut foreclosures

Mortgage Rates (12/11/2008)

Oversight panel grills Treasury on bailout plan

Seven Ways to Help Sell Your Home

Mortgage Rates (12/10/2008)

Mortgage Rates (12/9/2008)

Mortgage Interest Rate History, and a Change for the Future

Mortgage Rates (12/8/2008)

Mortgage Rates (12/7/2008)

How does the bailout plan help homeowners facing foreclosure?

Mortgage Rates (12/4/2008)

Mortgage Rates (12/3/2008)

Mortgage Rates (12/2/2008)

announcements recently regarding assisting homeowners in distress

Hedge fund Greenwich sues Countrywide over mortgage accord

Calling the recession - not just a 'duh' thing

Mortgage Rates (12/1/2008)

Mortgage Rates (11/30/2008)

November 2008

Mortgage Rates (11/28/2008)

WE GIVE THANKS...

Mortgage Rates (11/26/2008)

Stocks jump as economic news cheers investors

Obama assigns centrists to make radical economic moves

Bush says - Citigroup deal needed to protect system

Bush says Citigroup deal needed to protect system

U.S. rescues giant Citigroup

Bailout: Will It Help Restore Real Estate Consumer Confidence?

Mortgage Rates (11/25/2008)

Budget Shortfall and Real Estate

Important Information about Title IV of H.R. 3221 Foreclosure Prevention Act of 2008 - HOPE for Homeowners

Mortgage Rates (11/24/2008 part B)

Mortgage Rates (11/24/2008)

Gift Cards In Trouble

Mortgage Rates (11/21/2008)

Mortgage Rates (11/20/2008)

Credit Crisis: Do Bush & Paulson Have A Clue?

Mortgage Rates (11/19/2008)

FDIC Challenges Treasury with New Loan Modification Proposal

Groups lobby for home-buying incentives in new president's stimulus plan

Mortgage Rates (11/18/2008)

Mixed Messages Return

Mortgage Rates (11/17/2008)

The market for homeowners looking to sell

Buying Toxic Mortgages: Hank and Ben made it sound good

Mortgage Rates (11/16/2008)

Britax Marathon Convertible Car Seat - 85% off - GREAT DEAL

Be a Negative Optimist

Garbage

Mortgage Rates (11/14/2008)

Paulson cancels key part of financial bailout

Mortgage Rates (11/13/2008)

Federal plan could aid troubled homeowners

Regulators to banks: Get off your butts and lend

Mortgage Rates (11/12/2008)

Quote of the Day - November 11, 2008

Mortgage Rates (11/11/2008)

Lenders push for fresher 'comps' in home valuations

New Rush to modify home loans raises "moral hazard" issue - How far would people go to get better terms on their mortgage?

Citi, Fannie, Freddie to Halt Some Foreclosures

Mortgage Rates (11/10/2008)

Selling a Principal Residence Formerly Used for Investment Purposes?

Mortgage Rates (11/9/2008)

Why Good People Do Bad Things

Opportunity is missed by most people because it is dressed in overalls and looks like work. - Thomas Edison

Government's mortgage relief program gets few takers - The Hope for Homeowners plan's limitations damp interest among both borrowers and lenders

Hottest Mortgages in the Market Right Now

How much foreclosure relief will homeowners get from bailout plan?

Mortage Rates (11/7/2008)

Mortgage Rates (11/6/2008)

Pending home sales up 7.4% in August

Mortgage Rates (11/5/2008)

Mortgage Rates (11/4/2008)

FHA website

Mortgage Rates (November 3, 2008)

October 2008

HAPPY HOLLOWEEN!

The Holloween Story

Mortgage Rates (10/31/2008)

Rates on 30-year fixed mortgages surge to 6.46% from 6.06% on news of Fed rate cut.

Taller Gratis– Bienvenidos = Preservando El Sueño Americano Protejá su Hogar y Su Futuro en el Mercado de la Vivienda de Hoy Dia!

FREE WORKSHOP - PROTECTING YOUR HOME AND YOUR FUTURE IN TODAY'S HOUSING MARKET - CITY OF AZUSA

Government near home loan bailout

Mortgage Rates (10/30/2008)

Mortgage Rates (10/29/2008 part b)

the question is what will look like the new engine of economic growth?

Mortgage Rates (10/29/2008)

Mortgage Rates (10/28/2008)

New Fannie Mae Guidelines Encourage Short Sales

Act Now, Before the Fed Does

Mortgage Rates (10/27/2008 part b)

Mortgage Rates (10/27/2008)

New foreclosure plan on tap

Mortgage Rates (10/24/2008)

LOAN FORBEARANCE AGREEMENTS MUST BE IN WRITING

Fed: New rate cut likely, with record low within sight

Home sellers who understand market prosper

U.S. housing price decline sets record

Mortgage Rates (10/23/2008)

List of Lenders Who Are Participating in the HOPE for Homeowners (H4H) Program

Return Required To Cover Losses

The Secret of Selling Houses

Mortgage Rates (10/22/2008)

Persistence Pays Off When Loan Modification Saves House and Credit

Where is my swap line? And will the diffusion of financial power Balkanize the global response to a broadening crisis?

The Economic Blue Screen of Death

Mortgage Rates (10/21/2008)

Despite the credit crunch, there's still plenty of mortgage money

Mortgage Rates (10/20/2008)

Mortgage Rates (10/19/2008)

Life Balance: The Urgent vs. the Important

The World Will Not End

Mortgage Rates (10/17/2008)

Financial Crisis For Beginners

Mortgage Rates (10/16/2008)

Cell phone numbers going public.

Rescue plan: What's in it

Mortgage Rates (10/15/2008)

Bankruptcy, foreclosure, conventional changes - short sale clarification - requirements

Mortgage Rates (10/14/2008)

UCLA economists issue gloomy California forecast

Mortgage Rates (10/13/2008)

Statement of U.S. Senator Dianne Feinstein In Support of the Economic Rescue Package

Mortgage Rates (10/10/2008)

RTC could be Rescue Plan Role Model

Mortgage Rates (10/9/2008)

Mortgage Bailout Passes, Finally - Now What?

Countrywide mortgage pact may be worth $3.5 billion to California loan holders

Mortgage Rates (10/8/2008b)

Mortgage Rates (10/8/2008)

Mortgage Rates (10/7/2008)

Housing Assistance Act Will Impact Many Investor Capital Gain Calculations

Money-Saving Tips On Home-owner's Insurance

Mortgae Rates (10/6/2008)

Information on Deeds in Lieu of Foreclosure

Bailout 101: What new law says

Mortgage Rates (10/5/2008 - the week ahead)

House passes $700b bailout

House approves historic bailout package

Bank-Rescue Plan Wins Approval as House Reverses Vote (Update2)

Mortgage Rates (10/3/2008)

Mortgage Rates (10/2/2008)

1999 NY Times Article - Start Of The Mortgage Meltdown?

Banking Crises Around The World

Might Uncle Sam Make Money On The Bailout?

Mortgage Rates (10/1/1008)

Loan Modification - Consumer Issues

Advance Fees and Loan Modificat ion Services

Impacts of Bailout

What's At Stake? Pass the Emergency Economic Stimulus Act

September 2008

Haste Makes Waste

Mortgage Rates (9/30/2008)

House rejects Wall Street bailout in dramatic vote

U.S. stocks tumble

U.S. stocks tumble as bailout plan fails in House

Gov. Schwarzenegger Signs Mortgage Legislation to Protect California Homeowners and Homebuyers

Fed Pumps Further $630 Billion Into Financial System (Update2)

Fed Would Gain More Power Over Short-Term Rates in Rescue Bill

Citi to acquire Wachovia's banking operations

FACTBOX: Key elements of Congress' bailout plan

Bank rescues in Europe as House meets on bailout

California Budget

Mortgage Rates (9/29/2008 part b)

Mortgage Rates (9/29/2008)

Observations on a Crisis

Economic Softening Hits Leading Commercial Real Estate Index

NATIONAL HOME-VALUE DROP MODERATES IN SECOND QUARTER

A Perfect Match

Mortgage Rates (9/26/2008)

Quote forthe day

JPMorgan Chase buys WaMu assets after FDIC seizure

Proposed $700 Billion Bailout Is Too Little, Too Late to End the Debt Crisis

Mortgage Rates (9/25/2008)

Bailout dilemma: How hard to squeeze the banks on loans?

While our government is bailing out Wall Street, DPA and H.R. 6694 is looking out for Main Street.

Mortgage Rates (9/24/2008)

Bailout may give housing market some breathing room

Key components of the Treasury’s proposal include:

The Government to the Rescue! Will Those Efforts Include Saving FHA’s Down Payment Assistance Program?

$700 billion question: fate of bad loans

Mortgage Rates (9/23/2008)

Uncle Sam's $700+ Billion Toxic Securities Fund

Bail Out Hearings (9/23/2008)

Free Disneyland Ticket On Your Birthday In 2009

Strong Push for an RTC-Type Solution to the Crisis

Mortgage Rates (9/22/2008)

Mortgage Rates (9/19/2008)

Mortgage Rates (9/18/2008)

Mortgage Rates (9/17/2008)

Real Estate Why Greenspan Is Right This Time

10 Cities Where Cost of Living Is Growing Fast

Mortgage Rates (9/16/2008 afternoon update)

Mortgage Rates (9/16/2008)

HOPE NOW - PROGRESS IS MADE

Mortgage Rates (9/15/2008)

Mortgage Rates (9/14/2008)

Living by the Golden Dozen

Seller Funded Down Payment Assistance likely to continue!

Did You Know That You Need A Job, A Good Credit Rating and Promise To Pay The Lender Back Before You Can Get A Loan?

Mortgage Rates (9/12/2008)

Real Estate: Why Greenspan Is Right This Time

Mortgage Rates (9/10/2008)

July Sales Report By County

Mortgage Rates (9/9/2008)

Fannie/Freddie bail out

C.A.R. on Fannie, Freddie Takeover

Freddie Mac and Fannie Mae News

Freddie Mac and Fannie Mae

Mortgage Rates (9/8/2008 part C)

Mortgage Rates (9/8/2008 part B)

Mortgage Rates (9/8/2008)

Housing Market Key Indicator Alert - Aug. 21

FANNIE MAE AND FREDDIE MAC HAVE MORE OPTIONS THAN NATIONALIZATION

C.A.R. July 2008 Sales and Price Report

Just Listed! 510 Laurel Way La Habra, CA 90631

Will WaMu Make it?

New law addresses second-home sales and its tax consequences

Mortgage Rates (8/5/2008 a)

Thoughts on the Market (7/28/2008)

Mortgage Rates (8/4/2008 b)

Mortgage Rates (8/3/2008)

Mortgage Rates (9/2/2008)

Mortgage Rates (9/1/2008)

Mortgage Rates (8/29/2008)

August 2008

Good Credit Is Step One for Buyers

Mortgage Rates (8/27/2008)

Top 10 Cities to Buy a Home

Mortgage Rates (8/26/2008)

California Foreclosures Offered at 12% Discount

Mortgage Rates (8/25/2008)

Mortgage Rates (8/24/2008)

Mortgage Rates (8/22/2008)

Remarks by Dallas Fed President Richard W. Fisher

Mortgage Rates (8/21/2008)

ENLIGHTENED PERSPECTIVE

August 2008 - ALL SEASONS - Newsletter

Southern California home sales jump 13.8% in July

Housing Inventories Fall in Major Cities

Mortgage Rates (8/20/2008)

Money Savings Tips

Mortgage Rates (8/19/2008)

Just Listed! 2028 Owens Drive Fullerton, CA 92833

Tips for Buying Foreclosures

Mortgage Rates (8/18/2008)

Start Living in Prime Time

Mortgage Rates (8/15?2008)

Selling a Home in a Hurry Still Possible

Mortgage Rates (8/14/2008)

Bargain Hunters Have Field Day With REOs

Mortgage Rates (8/12/2008)

14 Markets With Nowhere to Go but Up

Mortgage Rates (8/11/2008)

A Public Proposal

Mortgage Rates (8/8/2008)

Hard-Won Lessons from a Home Owner

Mortgage Rates (8/7/2008)

8/5/2008 (afternoon)

Avoid Pitfalls When Buying Foreclosures

Mortgage Rates (8/5/2008)

Mortgage Rates (8/4/2008)

Mortgage Rates (8/31/2008)

The Top Percentage Principle of Real Estate Sales

Opt Out Of Direct Mail Lists - At No Cost

Mortgage Rates (8/1/2008)

Mortgage Rates (7/31/2008)

July 2008

President Signs Historic Housing Bill!!

Strategic Defense Program Article: Understanding the Foreclosure Process

Mortgage Rates (7/30/2008)

Short Sale Information

Mortgage Rates (7/29/2008)

HR 3221, the Housing and Economic Recovery Act of 2008

Congress Ready to Nix Seller-Financed Loans

Mortgage Rates (7/28/2008 part 2)

Should You Have Your Ducts Cleaned?

Mortgage Rates (7/28/2008)

Mortgage Rates (7/25/2008)

Banks miss an easy housing fix

Mortgage Rates (7/24/2008)

Mortgage Rates (7/23/2008)

Fearless in this market

Star on Home Improvement TV

Mortgage Rates (7/22/2008)

Mortgage Rates (7/21/2008 part 2)

Real Estate Market News

Thoughts on the market

Mortgage Rates (7/21/2008)

Cultivating Your Self-Esteem

Mortgage Rates (7/18/2008)

Mortgage Rates (7/17/2008)

Advice for Anyone Facing Foreclosure

Traitor Greenspan Urges Gulf States To Abandon Dollar

Mortgage Rates (7/16/2008)

Fed Issues New Lending Rules

June Covina Home Prices

IndyMac Bank Info

Entry Level Housing Affordability Rises

Mortgage Rates (7/15/2008)

Mortgae Rates (7/14/2008 part B)

Affordable Homes Aren't the Only Answer

Mortgage Rates (7/14/2008)

10 Things Authentic Leaders Do

10 Best Cities to Live, Work, Play

Mortgage Rates (07/11/2008)

What to do in case of an accident or loss

8 Skills Every Home Owner Should Master

Mortgage Rates (7/10/2008)

Simple Fix-Ups Pay Off Big for Sellers

Mortgage Rates (7/9/2008)

Mortgage Rates (7/8/2008)

Mortgage Rates (7/7/2008 part 2)

Mortgage Rates (7/7/2008)

The Bridge Builder

Tips for Low Cost Staging

HAPPY FOURTH OF JULY!

Mortgage Rates (7/3/2008)

Mortgage Rates (7/2/2008)

Tips for Easing Pet Problems in Real Estate

Mortgage Rates (7/1/2008)

June 2008

CHP Wireless Telephone Laws FAQs

Home Gyms: Remodeling Not Required

Mortgage Rates (6/30/2008 part 2)

Mortage Rates (6/30/2008)

Making the Most of Today

Mortgage Rates (6/27/2008)

Property tax reassessments

How is the Seller's Credit Effected By a Shortsale?

Mortgage Rates (6/26/2008)

Mortgage Rates (6/25/2008)

How Low Can Home Prices Go?

How do you justify the list and sale price for a short sale?

Mortgage Rates (6/24/2008)

Don't Rush Home Decorating

Mortgage Rates (6/23/2008 part 2)

Mortgage Rates (6/23/2008)

Do Air Purifiers Really Work?

Mortgage Insurers: Defaults Drop

What time is it?

Are We Really Trying? Excerpt from The Gift of Change

Mortgage Rates (6/19/2008)

Drop Price and Sell, or Find a Renter?

Stimulus Check Deals

Bankruptcy

Qoutes to think about

Mortgage Rates (6/18/2008)

FHA Loans Emerge From the Sidelines

Lenders Agree to Increase Anti-Foreclosure Efforts

Mortgage Rates (6/17/2008)

Morgage Rates (6/16/2008 part 2)

Mortgage Rates (6/16/2008)

Mortgage Rates (6/13/2008)

Getting Better Mileage from Your Gasoline

Mortgage Rates (6/12/2008)

Contractor Horror Story

Essential Do's and Don'ts for Choosing the Right Contractor

2008 Consumer Advertising Campaign

Mortgage Rates (6/10/2008)

Pending Sales Up 6.3% in April

Is It Time For A Hair Cut?

Mortgae Rates (6/9/2008 update)

Mortage Rates (6/9/2008)

Mortgage Rates (6/5/2008)

Mortgage Rates (6/4/2008)

Talking Points (1)

Markets That Are Doing Just Fine, Thanks

Mortgage Rates (6/3/2008)

Existing-Home Sales - April 2007

Mortgage Rates (6/2/2008)

Foreclosure Solutions for Homeowners

Visualize your outcome

California Home Price Data for April 2008

Can See Where Your Tax Money Goes

May 2008

The First $2-Billion Home Is Coming

Overpricing is a two-edge sword

Mortgage Rates (5/30/2008)

Mortgage Rates (5/29/2008)

Fannie Mae Scraps Declining Markets Policy

Mortgage Rates (5/28/2008)

Mortgage Rates (5/27/2008 B)

Mortgage Rates (5/27/2008)

Big-City Home Prices Are Faring Well

The Priceless Gift

HAPPY MEMORIAL DAY!

ECO-FRIENDLY PAINT STRIPPERS

Sales of Gas Cap Locks on the Rise

e-mail scams

Mortgage Rates (5/23/2008)

Mortgage Rates (5/22/2008)

Fannie Mae Changes Policy and Pricing on "Conforming" Jumbos

Mortgage Rates (5/21/2008)

U.S. Senate Strikes Housing Rescue Deal

Mortgage Rates (5/20/2008)

As ARMs reset, little of the expected chaos is coming to fruition

Mortgage Rates (5/19/2008 continued)

Mortgage Rates (5/19/2008)

THE UNITED STATES ONE DOLLAR BILL

Forgive and Live

Elimination of Freddie Mac's Declining Market Policy

Mortgage Rates (5/16/2008)

The Housing Crisis Is Over

Mortgage rates (5/15/2008)

NAR: Prices Up in 1 of 3 Metro Areas

Mortgage Rates (5/14/2008)

Expect a Summer Rise in Home Sales

Mortgage rates (5/13/2008)

Affordability Improves for New Buyers

Mortgage Rates (5/12/2008)

Have you heard this quotation for Anais Nin?

Mortgage Rates 5/9/2008

Why Selling Now May Make Sense

Financing opinion 5/8/2008

Affordable Ways to Makeover Bathrooms

Sales Tips: How to Seal the Deal

Fed cuts again

Financing opinion 5/7/2008

Return RequiredTo Break Even On Losses

Buffett Does His Part to Keep Rates Stable

Financing opinion 5/5/08

School data

Happiness as a Priority

Charles Schultz Philosophy

Annual asking price change - selected areas

Hints for buying a foreclosure

April 2008

4 Things to Consider Before Buying a Timeshare

Bush Administration to Expand Mortgage Help for Struggling Families

Beauty In The Beast

Buy Now, says Foreclosure Expert

Housing cost with transportation cost

HOW TO AVOID FORECLOSURE

Nehemiah Downpayment Assistance Program

Consumer's Guide To Reverse Mortgages

Thinking Points For Sellers

Thinking points for buyers

ADMINISTRATION TO EXPAND MORTGAGE HELP FOR STRUGGLING FAMILIES

National Association of Realtors - Pending Home Sales Index - February 2008

The foreclosure bargain hunt

Tap Today's Housing Opportunity

Mortgage Related Resources

Special FHA Purchase Financing

Retirement

Lending Standards Will Stay Tight

New Appraisal Rules for Freddie, Fannie

CAR February Home Sales Report

Curb Appeal Sells Homes, Survey Says

FREE REO TOUR - APRIL 5, 2008

There are several organizations trying to help homeowners avoid foreclosure

March 2008

Low-Cost Kitchen Updates

FREE REO PROPERTY TOURS

Jumbo loan rates still in the air - A trade group plan could mean the mortgage rates might stay higher than borrowers expect.

Jumbo Loan Rates to Climb Higher

Avoid Fraud In Foreclosure

Tips for Buying a Home at Auction

Why Now is a Smart Time to Buy

When Deciding To Become Landlord

Seek Property Bargains for Your IRA

FREE Ticket To Southern California Home Buyer's Fair

Why the Fed's rate cuts won't help you

Fed cuts key rates three-quarters of a point -

Foreclosure Scam

Getting the Most From an Architect

Most major lenders are freezing access to Home Equity Lines of Credit (HELOCs)

Just Listed! 157 W REDWOOD CT Covina, CA 91723

Low Rate Credit Cards

California Home Prices - January 2008

Roughly half of metropolitan areas continued to show rising home prices in the fourth quarter of 2007, according to the latest quarterly survey by the NATIONAL ASSOCIATION OF REALTORS®.

Leap Years - Why We Have Them

FHA Mortgage Limits List

Covina - February 2008 Real Estate Sales Activity

Government Announces Conforming Loan Limit Increases

Short Sales

Today's Interest Rates

How to Reduce Homebuying Stress

Getting a Mortgage Loan

U.S. FORECLOSURE ACTIVITY INCREASES 75 PERCENT IN 2007

February 2008

Cities Where Values Have Fallen the Most

Credit Repair Eases Home Buying

Our New Baby

A Lifeline to Struggling Borrowers?

Compare Title Policy Rates

CLARIFICATION ON THE ECONOMIC STIMULAS PACKAGE

Earthquake Preparedness

Stimulus Package Has Been Signed

Mortgage Company Failures

Troubled Borrowers Don't Know Lender Help Exists

FICO Scoring System Gets Redesign

Sell Your Home Fast In A Slow Market

Stimulus to Benefit Jumbo Borrowers

Congress Sends President Stimulus Package -- Final Bill Includes Increased Loan Limits

Interest rates 2/4/2008

2007 Existing-home Sales Fifth Highest

December California Home Sales Report

Loan Write Offs

Great News About Loans

January 2008

Mortgage and Real Estate Update / Good and Bad News

Fed Lowers Rate to 3% as U.S. Expansion Falters

IS YOU INFORMATION BEING SOLD?

NEW TAX BREAK FOR MORTGAGE DEBT FORGIVENESS

HOME BUYER'S FAIR

House OKs Lift on Fannie, Freddie Loan Limits

Bernanke to Cut Rates Further, Faster to Buoy Growth

Federal Reserve Web Site

Fed Issues Emergency Rate-Cut

IS IT TIME TO REFINANCE?

Mortgage Banker's Association's Forecast for 2008

Information Links

REALTOR® Campaign 2008

Avoiding Foreclosure

November Home Sales Date As Reported By The California Association Of Realtors

Investing and the economy and housing

Home Buyers Fair

13 reasons Bush's bailout won't stop recession

Are More Rate Cuts Coming From The Fed???

China and the Arabian Peninsula as Market Stabilizers

California Home Sales Statistics as Released by CAR

Hints when buying a new home

December 2007

Key points of Fed plan

Home Improvement Projects Resale Values

What to Do if Mortgage Lender Closes or Files for Bankruptcy

Just Listed! 913 E. Princeton Street Ontario, CA 91764

New Construction News

Rising Mortgage Fees Push up Closing Costs

Hard Money Loans

Making sense of the alternative minimum tax issue

TAX BREAK FOR MORTGAGE DEBT FORGIVENESS

ID Theft Protection

Ideas For A Downpayment

Decorate on a Dime:7 Tips to Make Your Home Your Castle

Can Mortgages be Saved With IRAs?

NEW HOTLINE FOR HOMEOWNERS FACING FORECLOSURE

Fed cuts key interest rate a quarter-point

Just Listed! 913 E. Princeton Street Ontario, CA 91764

Foreclosure Rates

Foreclosure Process

United States Conference of Mayors Report On: The Mortgage Crisis

Lenders Agree to Freeze Rates on Some Loans

2007 Foreclosure Plan - look for details soon

Government and banks working on a solution to the mortgage crisis (2)

Government and banks working on a solution to the mortgage crisis (1)

California Statistics for October 2007

Home Price Changes

California lenders agree to freeze rates

November 2007

City of Covina - City View Newsletter

It's harder than ever to get loans

Home Prices and Equity

Condo Buyers Should Do Their Research

Conforming Loan Limits

HAPPY THANKSGIVING!

Ways to Get Good Foreclosure Deals

Just Listed! 4572 Alondro Dr Riverside, CA 92509

TOP REASONS HOMES DON'T SELL

Our Thoughts On Home Values ...

Home Values

Covina - October 2007 - Home Sales Activity and Statistics

LA Times - Real Estate and Home Improvements - Two Good Blogs

Just Listed! 510 Laurel Way La Habra, CA 90631

Happy Birthday - United States Marine Corps

New FHA Legislation Working It's Way Through Congress

California - September - Home Sale Figures

October 2007

September California Regional Home Sales

California Fires, Insurance, and FEMA

Real Estate and the Economy

Recent sales activity in Southern California.

C.A.R's California Housing Market Forecast for 2008

Worried about that adjustble rate mortgage? There are solutions!

September 2007

First time home buyer programs

FHA To The Rescue - This May Be The Help You Need

August 2007

Interesting FED action today

More on loans

Loans

Just Listed! 10712 Knott Av Stanton, CA 90680

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Lehel Szucs

Broker/Owner

Cindy Szucs

Real Estate Consultant

ALL SEASONS REAL ESTATE, INC.

964 E BADILLO ST
Suite 240
Covina, CA 91724
: 626-339-0697
: lehel@teamszucs.com
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Cal BRE# 01336187, 01465195

     

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SELLING

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Call: 626-339-0697 or
Call: 626-339-0697 or


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