Texas Bankruptcy Laws

Foreclosures more likely, report warns  As many as 2.2 million Americans with subpar credit could lose their homes through foreclosure over the next several years, a new report said.Commentread more...


GMAC Bank stores e-mortgages in Encomia Vault  GMAC Bank has adopted Encomia's Vault module, an information technology system that is designed to store secure electronic mortgages on behalf of GMAC Bank.read more...


Interest-only puts you on the ladder, but will it bring you crashing down?  First-time buyers could be forgiven for being a little over-optimistic when trying to get a foot on the housing ladder.read more...


Tax Break on Capital Gains Narrows   Deep in the nearly 700 pages of the new housing bill is a complicated change in the tax code that could affect substantial numbers of people who purchase second homes


Mortgage stress levels could rise: study (AAP via Yahoo!Xtra News)  The number of Australians afflicted with mortgage stress could swell by a third within six months even if interest rates don't rise, a debt researcher says.read more...


Your Money Matters: Dealing with Rising Mortgage Interest Rates (Hornell Evening Tribune)  (ARA) - Many Americans are asking themselves what they should be doing in the wake of rising, and sometimes, fluctuating mortgage rates. It's an important question because for many Americans

January 10th, 2008

Right Target, Wrong Approach to Abusive Fees

When a mortgage broker steers a borrower toward a high-rate loan for which the broker collects a rebate from the lender, that payment is called a yield spread premium. When the broker does so without the knowledge of the borrower, that’s abusive.

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