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Consumers looking for home loans backed by the Federal Housing Administration will face tougher hurdles and higher costs under new legislation and new rules that could take effect as soon as this month. Higher monthly fees, larger down payments and
But for thousands of Sacramento-area homeowners, that's all but irrelevant. From rural Winters to suburban El Dorado Hills, those who need most to refinance into today's cheaper rates simply can't...Or they have damaged credit scores from falling
Contributions that sellers kick in to help defray a buyer's costs. They can include closing costs, inspections, appraisals and free upgrades...The FHA proposes slashing allowable seller concessions in half, capping them at 3 percent of the home price
It was almost illegal in Michigan until the Michigan Supreme Court in early July reversed Gov. Jennifer Granholm's initiative that would have barred insurance companies' considering customer credit ratings when setting rates for home and auto
Owing more on your mortgage than your house is worth may seem like a bad investment. But the alternative, choosing to default on your mortgage even if you can afford the monthly payments, will take a significant toll on your credit rating. "
Reporting from Washington Call it the great real estate disconnect of 2010: Mortgage rates have been at half-century lows and home prices have stabilized, but applications for mortgages to buy houses have declined most weeks during the last three
Should you pay off your mortgage or keep a sudden financial windfall? I'm in that situation and was surprised to find that financial experts, including you, generally recommend investing the cash. I understand the attraction of the argument but am
But soon, when a lender rejects your request for a loan, it will be required to tell you why. The new financial reform bill requires lenders to give customers who have been turned down for a loan a copy of the credit score used to make that decision.
My finances have been on the rocks for six years. I have a defaulted student loan, credit card debt, bounce fees from checking account overdrafts and money owed for utilities...I finally saved enough money to buy a car with cash, because whoever
During that period, the area consistently has had higher average consumer debt loads and lower average credit scores than the nation as a whole. Among the 20 biggest U.S. metro areas, Dallas trails only Seattle in average consumer debt, according to