Types Of Bankruptcy

Mortgage brokers face tighter restrictions (The Kentucky Post)  Gov. Bob Taft is expected to sign into law several new restrictions on mortgage lenders and brokers who specialize in high-interest loans to borrowers with low incomes or poor credit.read


Home lending rates rise, consumer loan rates fall in December  The average lending rate for home loans rose 19bp in December 2006 to 9.80%, while the average rate for consumer loans dropped 28bp to 16.90%, National Bank of Hungary figures


Mortgage market still alive (Channel 4)  There are signs of life in the mortgage lending market with figures showing a boost in April.read more...


Real Estate Mailbag    DEAR BOB: Many real estate sales contracts provide for mediation or arbitration of disputes that might arise after a sale is closed, such as alleged misrepresentation of a property.


Coming to Terms...  While health insurance costs continue to climb, there is good news on the life insurance front: term insurance rates continue their downward trend, which can be good news for consumers.read


Virginia man gets 10 years in money transmitting case  GREENBELT, Md. A federal judge in Maryland has sentenced a Herndon, Virginia, man to ten years in prison for fraud.read more...

August 17th, 2007

Mortgage Mess Creates Lending Drought

“There are good bargains for people with reasonably good credit and a little money in the bank”

Mortgage broker Ed Smith Jr. has been arranging home loans for 24 years and it’s never been tougher for him to close a deal than during the past few weeks of turmoil.

As more lenders collapse, the skittish survivors are raising their rates and changing the rules for getting a loan every few hours as they scramble to stay alive. The upheaval has made it virtually impossible to secure financing for scores of borrowers who would have easily qualified for mortgages just a few months ago, creating a lending drought likely to deepen the housing slump. Read more



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