Number One Home Loans

Scott Poncetta, owner of Subsidize My Mortgage.com previews home with Granny Unit at 734 N. 3rd St in San Jose near Japan Town. 5 minute video tour.

Duration : 0:5:18

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Duration : 0:6:37

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Center for American Progress Senior Fellow Dr Christian Weller appeared on CNBC to discuss subprime mortgages and how consumers can protect themselves.

For more on subprime mortgages and foreclosure rates please see:
http://www.americanprogress.org/issues/2007/03/foreclosures_numbers.html

What if 40 hours a week were enough?
www.AMERICANPROGRESS.org

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http://www.mortgage–refinance.biz/ – Mortgage refinancing Tips – If you’re thinking about getting your mortgage refinanced, here are some quick tips on what you should know before calling the bank.

Duration : 0:3:37

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Technorati Tags: equity, home, House, mortgage, Refinance, refinancing

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Duration : 0:9:48

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Listen to the new radio advertisement from the Tim Griffin For Congress campaign.

Please visit, join and follow our campaign on the web, Facebook and Twitter:

http://www.TimGriffinforCongress.com
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Duration : 0:1:6

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The Bright Side of the Housing Collapse….You can buy a home for as little as $40 (with payments as low as $0.19 per month!!! if financed)

One in five U.S. mortgage borrowers are underwater

NEW YORK (Reuters) One in five U.S. homeowners with mortgages owe more to their lenders than their properties are worth, and the rate will increase as housing values drop in states that have so far avoided the worst of the crisis, a new study shows.

About 8.31 million properties had negative equity at the end of 2008, up 9 percent from 7.63 million at the end of September, according to the study, released Wednesday by First American CoreLogic. The percentage of “underwater” borrowers rose to 20 percent from 18 percent.

Another 2.16 million properties could go underwater if home prices fall another 5 percent, the study shows.

First American said the value of residential properties fell to $19.1 trillion at year-end from $21.5 trillion a year earlier, with half the decline in California. Forty-three U.S. states and Washington, D.C., were included in the study.

While states such as California, Florida and Nevada were particularly stressed, the study showed worrying signs of deterioration in relatively healthy parts of the nation.

“The economic slowdown is broadening,” said Sherrill Shaffer, a banking professor at the University of Wyoming at Laramie and a former Federal Reserve official. “As more people lose jobs, it will be more difficult to sustain the levels of pricing and home ownership, and that is a big factor driving down housing prices in more parts of the country.”

Arizona, California, Florida, Georgia, Michigan, Nevada and Ohio remained the most stressed states, with 62 percent of underwater borrowers and just 41 percent of mortgages.

Other areas, though, also face more stress. Connecticut, for example, saw a 25 percent increase in homes with negative equity, while Washington, D.C., had a 44 percent increase.

“Even I continue to be surprised at the tentacles of this financial and economic debacle,” said Robert MacIntosh, chief economist at Eaton Vance Management in Boston. “More people are being laid off, resulting in reduced income and therefore less consumption. That leaves fewer people with money to buy homes, and the mentality is that people believe they should wait six months rather than buy now. Less demand means falling prices.”

Roughly 68 percent of U.S. adults own their own homes, and about two-thirds of these have mortgages. Many economists expect the nation’s unemployment rate to rise above 9 percent before the recession ends, up from January’s 7.6 percent.

CALIFORNIA, NEVADA UNDER STRESS

California had 1.9 million borrowers with negative equity at year-end, more than any other state, followed by Florida’s 1.28 million. About three in 10 borrowers in both states were underwater.

By other measures, Nevada was the most stressed, with 55 percent of owners having negative equity and borrowers on average owing 97 percent of what their homes are worth. About 28 percent owe more than 125 percent of their homes’ value.

Michigan had 40 percent of its homeowners underwater, while Arizona had 32 percent.

New York fared best, with just 4.7 percent of borrowers with negative equity and an average 48 percent loan-to-value ratio, though this could change as employment and bonuses slide in the financial services industry.

According to the S&P/Case-Shiller Home Price Indices, prices of U.S. single-family homes slumped 18.5 percent in December from a year earlier, the biggest drop in the 21-year history of the data.

Many lenders are taking steps to keep borrowers out of foreclosure. The Obama administration has backed legislation that could broaden powers of bankruptcy judges to modify mortgages for troubled borrowers. Among major lenders, only Citigroup Inc has supported such a plan.

MacIntosh expects housing prices to keep falling until “well into” 2010. “There is no magic bullet or magic arrow here,” he said. “It is a question of trying to come up with ideas and seeing what happens. It could take a long time.”

First American CoreLogic is an affiliate of title insurance and real estate services company First American Corp.

Duration : 0:2:41

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תּוֹדָה רַבָּה עביד כארכי
عبيد كركي

Duration : 0:10:59

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We just got a letter in the mail in regards to the Obama Home Help.. We weren’t able to get the help so it looks like my family is going to go through foreclosure.. This isn’t necessarily a bad thing, because we are prepared for what’s to come..

If any of you have a similar situation, let me know either in a video response or a text comment..

A few links to job loss numbers so far for this year:

Employers Cut 85,000 Jobs in December:
http://online.wsj.com/article/SB126295679510421517.html?mod=rss_Today%27s_Most_Popular

UPS to Cut 1,800 Jobs
http://www.businessweek.com/news/2010-01-08/ups-to-cut-1-800-jobs-says-profit-exceeds-forecast-correct-.html

Duration : 0:7:32

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Technorati Tags: Economic Collapse, Failed Obama, foreclosure, gold, House, Income, Job loss, Money, mortgage, Obama Help, Ron Paul, silver

A good mortgage broker can determine how much house you can afford. See why in this video on buying a home.

Expert: Brett Staggs
Contact: myspace.com/slowtrainmusic
Bio: Brett Staggs has been working in the mortgage industry for the past 6 years. He has worked for a title company, a credit reporting company, and two major banks.
Filmmaker: Dana Glover

Duration : 0:1:34

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