tom-beaty.com views on real estate

According to the reverse mortgage information, the loan sum is determined based on your age and the value of your home. The HECM program sets limits to your loan costs and actually FHA controls, that the lenders will meet their obligations.

1. Is HECM Reverse Mortgage Better Than Other Reverse Mortgages?

According to HECM reverse mortgage information, there are three benefits above others. HECM reverse mortgage has the largest loan advances, you can select the payment schedule and you can use the money for the purpose you want. So with one term, it is flexible.

Many seniors think, that the reverse mortgages are expensive ones. However, the HECM reverse mortgage loan is cheaper than the loans, which are privately insured. In most cases the HECM reverse mortgages have lower interest rates, so according to the total costs, they are obviously cheaper ones.

2. The Reverse Mortgage Information About The Eligibility.

The HECM reverse mortgage loans are available in 50 states in USA, plus in the District of Columbia and Puerto Rico. The borrower is eligible, if he or any of the owners, who lives in a home is at least 62 and the home is used as a principal residence.

There are some restrictions concerning the home type, mobile homes for instance, and the home must meet HUD minimum property standards. If you must repair the home, you can do it with the money you will get from the HECM loan. And, this is important, you have to discuss with the official counselor.

3. The HECM Reverse Mortgage Information About The Repayment.

Usually the HECM reverse mortgages will be paid back, when the last borrower dies, sells the home or moves out permanently. Also, if the last borrower, who lives in the home, will be away 12 months or over because of the physical or mental illness or if he fails to pay the property taxes or hazard insurance.

4. What Is The Debt Limit?

In the case, that your HECM reverse mortgage loan sum has grown and is equal to the value of your home, this value limits the debt sum, if the home is sold to repay the loan. But usually the debt sum cannot exceed the value of your home.

If this happens in some exceptional cases, like during the economical recessions, the mortgage insurance will cover the difference between the home value and the loan sum.

The insurance is compulsory. The reverse mortgage loan sum cannot be debited from your other assets or from your heirs or relatives.

Juhani Tontti, B.Sc., Marketing. Senior, Do You Plan To Get Income From The Reverse Mortgages? If You Do, Research HECM Reverse Mortgage Loan. It Is Flexible! Visit: Reverse Mortgage Information

As the economic recession continues, losing your job and as a result, your home is the nightmare uppermost in many people’s minds. But if you are worried that redundancy could be followed by your home being repossessed, there have been two positive developments.

Firstly the Royal Bank of Scotland has said that it will not commence legal action to repossess homes for six months and other mortgage lenders have accepted a moratorium of at least three months in response to the Government’s request.

Given the time it takes to get a repossession order from the court and the fact that these orders are usually not actioned straight away, it can take as long as 9 to 12 months after first falling into arrears before borrowers are actually forced out of their homes. This gives homeowners a lot of time to sort out an alternative solution.

Second, the Government has extended its range of initiatives and benefits aimed at allowing people to stay in their homes. For example, the state benefit that pays all or some of your mortgage interest that has arisen. Homeowners are now able to receive help within three months of losing their job, whereas previously they had to wait a full 9 months - and the limits on the amount that will be paid has been increased.

So what do you have to do if you lose your job? Here’s a guide to dealing you’re your mortgage arrears and what you can do to avoid losing your home. It’s important to start off with the fact that redundancy does not automatically lead to repossession. It really depends on the state of your finances and how you deal with your financial problem.

Your first lines of defence should be any pay in lieu of notice, your redundancy money and your own “rainy day” savings. Financial experts always recommend that you keep sufficient money aside to tide you over for 3 to 6 months in a savings account you can access easily.

If you have been prudent and have bought unemployment insurance (which is often bundled with accident and sickness cover), check whether you can make a claim - and how long you have to wait. There is often a delaying period of 1, 2 or 3 months before you can make a claim.

You also need to look into the state benefits which are available. These can be a complex area but your local Citizens’ Advice Centre, can guide you through the maze and help you make a claim.

You can also claim “support for mortgage interest”, if you qualify for certain income-related benefits. This benefit is designed to pay some of your mortgage interest. It assumes that you pay interest at 6.08 per cent no matter what you actually pay and you are eligible for help on the interest on the first 200,000 pounds of your mortgage. The Government makes these payments directly to your mortgage lender. And the delay between making a claim - which you can do as soon as you lose your job - and receiving the first payment is 13 weeks.

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Foreclosure City has created the perfect storm in many major cities in the U.S. - the perfect storm for investors to find great real estate deals, that is.

Large inventories, low interest rates and homeowners hungry to sell all make certain cities ideal for picking an affordable home or two. Before you break a leg rushing out to buy that bargain real estate, however, you’ll want to keep in mind the most important factors in a successful real estate deal.

Location, condition, price and financing are all consideration you’ll want to keep in mind in order to successfully find and acquire a great real estate deal.

If you’re looking to buy rental property that will be paid for monthly, then you may want to set your sights on lower-middle-class areas. Most owners who occupy their homes in these areas keep their homes well maintained.

Although you’ll want to avoid obvious signs of a bad neighborhood, like boarded up homes or gang graffiti, accessible transportation and recent signs of construction can translate into good income on rental properties. It is important to note that prospective renters with children will want to live in areas with good public schools. Neighborhoods where homes are similar in size and have similar amenities are also preferred, along with areas where homes are mostly three-bedroom, two-bath or more.

Homes that are less than ten years old are more favorable, since almost all of its systems will be current, and no major renovations should be needed for some time. If considering a home more than 50 years old, make sure all systems have been updated, from wiring to plumbing. If not, you’re going to be investing a lot of money on repairs.

The ideal situation would be to purchase a home that does not need repairs; however, there are an abundance of homes on the market today that need significant repairs, but can be bought at bottom basement prices. Many are owned by the lender, and are uninhabitable. Others may not need anything more than a coat of paint or new carpet.

If you decide to make an offer on a home that you think is in need of repair, make sure you make it contingent upon the inspection of the home, along with an acceptable estimate for all necessary repairs.

Price may not be that easy to determine, since the sale of so many distressed properties have negatively impacted the sale price of all homes in the area. Bank-owned properties are in need to be sold, though. Banks are interested in holding property; they are interested in making money off the property based on interest. Many have been willing to take a loss on property just to unload it.

Your target on a bank-owned property would be to offer 50 to 60 percent of the listed price, depending on the condition of the property. The more work that needs to be done, the deeper the discount you ask for. That will give you a starting place for negotiations.

Your final frontier to conquer in your investment is financing. Fannie Mae may be where you’ll want to start on your quest for financing. Also, check with your local lender. Mortgage brokers often can find you the very best deals on interest rates and many can be located easily on the web. Just make sure they are reputable. Ask for all fees in writing prior to signing anything.

Ki loves to bike the Austin hill country. He has worked with Austin real estate for almost a decade. His website has a search for Austin homes along with a Austin real estate blog that allows investors to keep tabs on the Austin market.

Under a tightening of rules being considered by The Financial Services Authority (FSA) homebuyers could face having to raise a deposit of at least 15 per cent before they can get a mortgage. The Authority has also hinted that the amount that mortgage lenders could provide as a multiple of income could also be controlled.

The Chairman of the FSA said, “We can certainly see a strong argument for us getting more involved in the regulation of mortgage products than we have in the past.” The prime Minister has even suggested that 100 percent mortgages should be outlawed as loans of 100 percent - or even more in some cases - are seen as part of the discredited lending of the boom years.

When asked about 100 per cent mortgages, the Chairman of the FSA also said: “I do not think we can simply narrow it to the 100 per cent aspect. The bigger issue is should into 90 per cent or 85 per cent”. This implies that the FSA is thinking about preventing mortgages being agreed unless buyers had deposits of 10 per cent or even 15 per cent of the property’s purchase price.

The FSA has also hinted that income multiples could be targeted as well. Prior to the property boom, mortgage lenders often restricted the size of the mortgage to 3.5 times the borrower’s gross salary. But after property prices took off, making many houses unaffordable if mortgages were restricted to that level, some lenders started to agree mortgages as high as six times salary.

The FSA believes that the issue is whether to regulate maximum loan-to-income or maximum loan-to-value. They think that loan-to-income is actually a slightly better predictor of affordability than loan-to-value.

It is true that there are arguments against regulation based on loan-to-value ratios. Some people will ask whether it is better for somebody to have a 100 per cent loan-to-value mortgage rather than get a 90 per cent loan-to-value mortgage and then finance the remaining 10 per cent via an unsecured debt or a credit card. Which ever way they go the FSA is keen to make sure that they do not have unintended consequences.

Bearing in mind the severity of the credit crunch which was initiated by excessive lending in America, it is perhaps understandable that the FSA is considering whether greater intervention in the mortgage field is the answer - but there are also dangers of too much interference.

The danger in regulating mortgages is that politicians are interfering in areas they do not fully understand. We say by all means stamp out the worst failings of the past few years but too much intervention will just make an already strangled industry even worse. A ban on 100 per cent mortgages could turn out to be the thin end of the wedge as the question is already being asked whether 85 per cent or 90 per cent mortgages are even necessary. The mortgage lending industry will undoubtedly agree now that 100 per cent deals have run their time anyway but we most definitely need 85 and 90 per cent mortgages to encourage first-time buyers to return and get the market moving again.

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Statistics from City watchdog the Financial Services Authority reveal some staggering figures regarding home repossessions.

Repossessions climbed by almost 100 per cent last year, with 13,161 families being evicted between June and September alone. This means that 1 family is being evicted every 10 minutes, after failing to keep up with mortgage payments on their homes.

Since September the situation has deteriorated even more, leaving still more people at risk of losing their homes. Rising livings costs, for example petrol, diesel, gas and electricity prices have put pressure on homeowners who were previously just making ends meet and as a result, they have got behind with mortgage and other credit commitments.

Figures show that mortgage arrears for some people are so serious that they represent more than 10 per cent of their total mortgage commitment, with up to 340,000 people behind with their mortgage payments. For many of these, unless they can find the money to bring debts up to date, repossession is almost a certainty.

With up to 85 companies going under every day, unemployment figures continue to rise. Even for those people in work, wages may be dropping as overtime and bonuses are cut as thousand of businesses both small and large struggle to survive. Every business that closes puts more people at risk of repossession. The Conservatives are warning that the current repossession figures are just “the tip of the iceberg”

Chief Executive of the housing charity Shelter, says that these figures must not just be regarded as numbers on a balance sheet. Each one represents a real family, facing the heartbreak of being evicted from their home and he says that the proposed Government measures will only help “a fraction” of those people in real need.

For those families who do lose their homes, there appears to be very little light at the end of the tunnel, according to the Department for Communities and Local Government. They say they will do everything possible to help to protect homeowners, including the Homeowner Mortgage Support Scheme, which will allow people with mortgages of up to 400,000 pounds to defer the interest on them for up to 2 years. Unfortunately, there is no date set for the introduction of the scheme, and full details have not yet been finalised. The Council of Mortgage Lenders predicts that figures will rise to close on record levels this year, with up to 75,000 homes being repossessed.

The Conservative housing spokesman commented that the Labour Government had “sat back” while council house waiting lists had “exploded” and that Gordon Brown’s boast that he had ended “boom and bust” would not provide much comfort for all the families repossessed last summer. He also thinks repossessions will continue to rise since the banking crisis in the latter part of the year.

The Liberal Democrat spokeswoman commented that the “sad fact” is that the number of people with mortgage arrears continues to “grow, and will get worse”. Figures suggest that with approximately 4.2 million people (a record 1.8 million families) on council waiting lists - an increase of 10,000 over the last year - demand for social housing far outstrips supply.

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The first thing that a lender will do is to try to get you to agree to pay your arrears over a period of time at the same time as making your regular monthly repayments. They may try to make this easier for you by agreeing to accept interest only monthly payments or by lengthening the period of your mortgage - both of these will reduce the amount you have to pay each month. But on top of these payments you will have to start repaying your arrears.

So the cardinal rule is don’t agree to pay back more than you afford, just to get the lender off your back. You will probably come under a lot of pressure to agree to pay more but never give in. This is because later, if you can’t keep up these new repayments because they’re unrealistically high or because something else goes wrong, you’ll be in an even worse position as, in effect, you’ll be defaulting for a second time. In the long run it’s much better to stand firm and only agree to a repayment which you can comfortably afford.

Another option when faced with high levels of mortgage arrears is “sale-and-rent-back”, sometimes known as “mortgage rescue”. Around 50,000 people in the UK are thought to have entered into sale-and-rent-back arrangements, sold through hundreds of firms.

What happens is a commercial organisation buys your house and you repay your mortgage. Then you agree to rent the house from that organisation as a tenant. This allows you to remain in your home, but beware, it’s fraught with problems.

Firstly the price you get is usually well below the true market value. Secondly, your security of tenure is often poor. There have been cases where the business that bought the property has stopped paying its mortgage and the lender to the business has repossessed the property and kicked the tennant out. This means that the vendors find themselves out of pocket and homeless, with little means of redress.

A report from the Office of Fair Trading (OFT) into sale-and-rent-back firms has highlighted some of the problems with these schemes. The report recommends better regulation of the companies to ensure the clear basis of property valuation and tenancy terms. The OFT also wants these companies to tell potential clients that thet should independent financial advice before proceeding to sign contracts.

A spokesperson from Which? the consumer organisation and publisher said: “People should steer clear of these sale and rent back schemes until they’re properly regulated. At the moment if something goes wrong, you have no protection. The Government should implement the OFT’s recommendations as quickly as possible.”

If you find yourself in financial diffioculty and unable to maintain your mortgage repayments then you should speak to your mortgage lender and independent experts such as Citizens Advice, National Debtline, or the Consumer Credit Counselling. Service before considering other solutions. And remember, if you decide it’s time to simply hand back the keys to your house and leave your mortgage lender in possession of your property, you will still be held liable for any shortfall if the lender fails to get all their money back. You may feel you’ve made a clean break but in practice your past will follow you.

So if you are experiencing these sorts of problems, get advice from a debt adviser. If your mortgage lender is left with a shortfall, a debt adviser may be able to get it written off.

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Mortgage rates remained steady this week. The 30 year again was at 5.04 which is a low for the summer. The other mortgage products remained relatively stable this week except for the 1 year arm which fell from 4.58 to 4.52. Below are rates for the last few weeks. As we can see overall for the last month rates have been steadily falling. But overall the movement has been very small with 30 year rates only dropping 1/10 of a point in the last month.

Sep 24, 2009
30-yr 5.04 15-yr 4.46 5-yr ARM 4.51 1-yr ARM 4.52

Sep 17, 2009
30-yr 5.04 15-yr 4.47 5-yr ARM 4.51 1-yr ARM 4.58

Sep 10, 2009
30-yr 5.07 15-yr 4.50 5-yr ARM 4.51 1-yr ARM 4.64

Sep 03, 2009
30-yr 5.08 15-yr 4.54 5-yr ARM 4.59 1-yr ARM 4.62

Aug 27, 2009
30-yr 5.14 15-yr 4.58 5-yr ARM 4.67 1-yr ARM 4.69

Feb 19, 2009
30-yr 5.04 15-yr 4.68 5-yr ARM 5.04 1-yr ARM 4.80

In addition to rates we like to look at mortgage payments to provide some perspective. We determined mortgage payments for a 200k loan based on today’s rates and rates from September 10th and February 19th.

Sep 24
30-yr $1078.53
15-yr $1525.9
5-yr ARM $1014.55
1-yr ARM $1015.74

Sep 10
30-yr $1082.21
15-yr $1529.98
5-yr ARM $1014.55
1-yr ARM $1030.07

Feb 19
30-yr $1078.53
15-yr $1548.44
5-yr ARM $1078.53
1-yr ARM $1049.33

This kind of shows the same thing in that there has not been a lot of movement in mortgage rates. A payment two weeks ago would be $3.68 more a month (or 0.3% percent more).

Its also interesting that rates are exactly where they were six months ago. Of course six months ago mortgage rates were more newsworthy because at the time 5.04 (for a 30 year mortgage) was an all time low. So although 5.04 is no longer an all time low (rates dropped below 5 in April) and we are not seeing as many stories in the news mortgage rates are still very, very low by historical standards.

The two questions of course are why mortgage rates are not moving, and how long they will stay this low. The expectation is that eventually mortgage rates are going to move up. Some have suggested that mortgage rates could move above 10 percent in a year or two. The idea is that once the economy recovers mortgage rates (along with inflation) will start marching upwards due to the massive government spending during the recession. It seems that although the economy is recovering its doing so rather slowly and this is helping keep mortgage rates down for now. The other question is how long mortgage rates will stay down. My expectation is rates will probably not see that much movement until we see movement in the economy. Once the economy starts moving we should see rates start to move upward.

Ki bikes Shoal Creek when he is not working. He has focused on Austin real estate since graduating. People interested in the Austin market can perform a graphical Austin home search on his site. His site also has a graph of historical historical mortgage rates along with a mortgage rates widget.

When a normal mortgage must be paid back in monthly instalments, the lender of the reverse mortgages pay you every month or with the schedule, you have decided. That is how do reverse mortgages work. The reverse mortgage loan will be paid back, when you move away or die, so will all the costs included.

The reverse mortgages are not for youngsters, the minimum age is 62 to qualify reverse mortgage. However, the older you are and the more valuable your home is, the more you can borrow. Many have used reverse mortgages to save themselves from the subprime loan trap.

When you think, how the home prices develop, you get one benefit to get a reverse mortgage loan. When you have taken this loan, you will still be the owner of your home. This means that despite of the fact, that you eat the value of your home every month, also the value increases all the time. This compensates the costs with some amount.

Concerning the payment options of the reverse mortgages, there is one good feature. A borrower can select, how he will take the money. As a lump sum, as monthly payments, as a credit line or as a combination of all these.

So, if he has a situation, where the mortgage lender insists a big capital back payment, a reverse mortgage loan borrower can pick an option of the lump sum plus monthly payments, so that he can respond the needs of the lender and to pay the monthly payments. Or he can pay the whole loan away with his new reverse mortgage loan. This will release him also from the monthly payments.

In the case, when the mortgage terms have been illegal already, when the loan was taken, the first step is to start a lawsuit against the lending company and try to save the home of the senior in that way.

Traditionally the reverse mortgages work best, when a senior needs a lump sum plus some monthly payments to pay his grown medical bills, for instance. The older the homeowner is and the more valuable the home is, the more he will get.

There Are Some Points To Think.

You should always think, that the reverse mortgage is only one solution. Some seniors say, that a reverse mortgage loan is expensive, because the reverse mortgage closing costs plus other fees are based on the full value of the home, up to a national program limit of $625,500.

You cannot deduct the accrued interest payments until the loan is fully repaid, normally at some point in the future. The reverse mortgage loan grows over time and that means that heirs do not necessarily get anything after all the costs and the capital have been paid.

Every single borrower, who take a federally insured HECM reverse mortgage loan, must go through a counseling from one of the government or nonprofit housing counseling agencies approved by the HUD. This is very useful for a senior facing foreclosure.

Juhani Tontti, B.Sc., Marketing. A HECM Is One Solution To Avoid Home Foreclosure. Get More Tips About Reverse Mortgage For That Purpose, Visit: Reverse Mortgages

There’s a lot of different options available for mortgage loans. If you’re new to the scene, you could find it all overwhelming or tough to understand.

So if you’re thinking about getting yourself a mortgage loan but have no idea where to start from, here’s a nice simple list of starting points.

Let’s start with a quick definition. People often abbreviate mortgage loan as just plain mortgage, but the actual word mortgage means the document that the borrower (in other words, you) sign and give to a lender in return for the loan of money.

The mortgage gives the mortgage loan lender the right to possess your property if you default on the payments involved. The borrowing person is called the mortgagor, because that’s the person who gives the mortgage to the mortgage lender.

The concept of a mortgage loan is simply that it’s a specific kind of loan for paying the difference the price of purchase has from the cash ready on hand for down payments.

A mortgage lender lets you make use of their funds but charges a fee on top for that privilege, the largest of which is called interest (an annual percent of the loan). Interest can typically be as low as five percent or as high as twelve percent.

When making an application for a mortgage loan you’ll also get charged a fee of origination, which can encompass various things like fees for credit reports, fees for applying, and fees for appraising. The annual percentage rate, abbreviated as APR, is the combination of the interest rate plus these other fees.

Mortgage loans are in two types, fixed and non-fixed or adjustable. If the rate is fixed, it means the amount of interest and payments will stay the same for the whole of the loan’s lifetime.

Fifteen year and three decade fixed rate loans for mortgages are common. But if it’s an adjustable loan, it will have lower rates at the start, which may alter as often as twice a year.

Those who want the least pricey loans can try for fifteen year mortgage loans, but those loans have the drawback of higher payments each month. If you’re going to move to another home in a few years you might want a longer, thirty year loan, for the lower individual payments over a greater period of time.

Down payments on a home are generally from a meager five to a chunky twenty percent, and are made before mortgage loans, or whatever amount was borrowed for the house’s residual expense.

A house worth four hundred fifty thousand dollars would want a down payment of at least ninety thousand dollars and a three hundred sixty thousand dollar mortgage.

Since rates of interest go up and down very often, it’s not easy to predict their behavior.

However, there are a couple popular indices for interest over the short-term: the rate banking institutions will offer fir six-month certificates of deposits (or CDs), and the interest of Treasury Bills AKA T-Bills. Lenders for mortgage loans charge a couple percent over the publicly quoted rate of interest.

If you compared the short-term rates to the long-term ones, you’ll see that the long-term interest rates are greater. This is because the longer the duration of a loan, the greater the risk the lender takes of not getting everything back again.

Graham McKenzie is the webmaster for a leading South African bond originator. For more information visit: http://www.bondcredit.co.za/

No matter what the economy, there is an incredible amount of cash to be made in the world of real estate. Helping people make their dreams come true can be an extremely fulfilling way to make a living, as well, but until recently, you needed extensive formal education to work in real estate. Now, with the advent of home wholesaling, anyone who wishes to get started in real estate can. Wholesaling means matching up motivated sellers with buyers for a quick and easy sale and all you have to do is sit back and collect your commission. Here are a few more great reasons why home wholesaling is the easiest and fastest way to get started in professional real estate.

Ease of getting started

Just like most home based businesses, you don’t have to sink a lot of money into being a home wholesaler to get started. At most, you will need to have a local business license, a website and a reasonable workspace or home office. You’ll also need a strong work ethic and a good mind for business. Once you have all of those things, you can being educating yourself on the ins and outs of home wholesaling.

Small initial investment

If you are considering flipping homes as a way to get started in real estate, you may want to look at the initial investment cost before you get started. Not only will you need to buy a home outright, but you will also need to invest in renovations, a realtor and contractor work. With home wholesaling, you won’t need any of those things and you can start making money right away.

No large investment later on

Home wholesaling continues to beat home flipping in the months and years to come, as well. While the profits from home flipping can be impressive, the risk continues to rise as you buy and renovate more expensive properties. With home wholesaling, your risk and cost never increases since you continue to match up buyers and sellers. You never have to take on a property yourself and you don’t have to renovate a single room. It may turn out that home wholesaling is the least stressful home business you could possibly start. Your money stays in your bank account and not in a home you are desperately trying to fix up.

Multiple deals at once

One of the biggest attractions for home wholesalers is the ability to multitask. Not even the most ambition home flipper dares to take on two properties at once, but as a home wholesaler, you can have multiple deals brewing at the same time, which means multiple revenue streams. As long as you stay organized and one step ahead of the closing process for your clients, there is no reason why a good home wholesaler can’t have 3 or even 4 deals closing at the same time. This can double or even triple your profits with ease.

It’s an easy job

Above all else, home wholesaling is fun and easy. Since no huge initial investment is required, you can judge how much work you want to put into each day. When you flip homes, you feel obligated to spend every free moment working on your property so you can finish it and sell it as quickly as possible. As a home wholesaler, you can choose to work part time, full time or overtime if you want. The flexibility, ease of the job and cash flow simply can’t be beat. Try home wholesaling today and see for yourself what all the fuss is about.

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