mortgage man: 2011

Saturday, December 31, 2011

Dimmu Borgir Release Live DVD; Plus L...

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Justin Bieber's Snake To Lady Gaga's ...

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Friday, December 30, 2011

Justin Bieber, Ke$ha, Lea Michele Up ...

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Ke$ha Your Love Is My Drug - Your Lo...

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Michael Jackson Thriller (Long Vers...

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Thursday, December 29, 2011

BeyoncÃ© Best Thing I Never Had - Be...

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Beyonce, Britney Spears And More: 25 ...

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Wednesday, December 28, 2011

Photos Love Is In The Air At The 201...

Photos Love Is In The Air At The 2011 VMAs - Love Is In The Air At The 2011 VMAs Related Artists Lady Gaga Britney ... http://ow.ly/1gqAij

Robert Plant And Alison Krauss Win Gr...

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BeyoncÃ© Why Don't You Love Me - Why...

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Tuesday, December 27, 2011

'Harry Potter' Comes To Bittersweet E...

'Harry Potter' Comes To Bittersweet End In 2011 - Arrival of 'Deathly Hallows, Part 2 was a moment that made headlin... http://ow.ly/1gpu9a

justin bieber concert tickets 2012

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Their debut solitary, “One Time”, was launched globally throughout ’09, as well as charted inside the best thirty within more than 10 nations. It had been then their debut discharge, My personal Globe upon The fall of seventeen, ’09, that was licensed platinum eagle in the usa, that at that time offered Bieber the greatest debut with a brand new designer within the 12 months, as well as created Bieber the very first designer to possess 7 tunes from the debut recording graph about the Billboard Warm 100. Their very first complete facilities discharge, My personal Globe two. 0 was launched upon 03 twenty three, 2010 and it has because obtained comparable achievement; debuting from number 1 as well as inside the top associated with a number of nations as well as had been licensed platinum eagle in under 8 weeks associated with discharge in the usa. It had been preceded through the worldwide strike tune, “Baby”.

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'In The Land Of Blood And Honey': The...

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Monday, December 26, 2011

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Sunday, December 25, 2011

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Chris Cornell Filling In For Robert P...

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Saturday, December 24, 2011

'The Hobbit' Trailer: Five Key Scenes...

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Friday, December 23, 2011

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Thursday, December 22, 2011

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Wednesday, December 21, 2011

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Tuesday, December 20, 2011

Usher's Next Album 'Soulful, Catchy,'...

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Friday, December 16, 2011

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Monday, December 12, 2011

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Tuesday, April 5, 2011

Mortgage interest rates increased this week

Freddie Mac, the government sponsored enterprise released that its primary mortgage market survey projected the average rate for a 30 year, fixed mortgage increase to 4.86% for the week ending Thursday from 4.81% the prior week. The average rate for a 30 year, fixed mortgage rose to 4.09% from 4.04 the prior week, as projected Freddie Mac survey.

"Fixed mortgage rates rose slightly for a second week in a row, but continue to remain quite low," according to Freddie Mac chief economist Frank Nothaft. "Low rates have benefited from relatively benign inflation reports. Inflation as measured by the 12-month growth in the core price index for consumer spending, a metric preferred by the Federal Reserve, is hovering near the lowest pace since 1960 when this data series began."

Nothaft stated he anticipates rates on a traditional 30-year, fixed mortgage to maintain under 5% throughout 2011.

And distressed property sales and shadow inventory seem to unable the housing market recovery.

"Sales of distressed properties continue to place downward pressure on house prices," Nothaft said. "In January, these homes accounted for 37% of existing home sales and rose to 39% in February, based on figures from the National Association of Realtors. House prices were down 3.1% in January from the same month last year according to the S&P/Case-Shiller Home Price Indices."

Freddie Mac stated the average five-year, adjustable-rate mortgage rose to 3.7% this week from 3.62% a prior week but is down from 4.1% a year before. The average rate for one-year, ARM increased to 3.26% from 3.21% a week before. The rate is down from 4.05% at this same time past year.

Hammerhouse Expands By Opening New Office In Chicago

MISSION VIEJO, CALIFORNIA - Hammerhouse LLC, an expanding national recruiting and strategic growth firm for the financial service industry with mortgage sales and leadership placement at its core, announced today it has expanded its national footprint by opening a new regional office in Chicago, IL. This new office, the company’s third in the U.S., will be managed by John Van Tassel, Vice President Strategic Growth and will work with both national and regional clients to help grow their sales leadership, production teams and branch networks.

“Chicago is the next logical location for Hammerhouse to expand its national footprint and deploy our unique model-matching process to help mortgage bankers and depositories expand top line revenue by adding experienced mortgage professionals,” commented Drew Waterhouse, Managing Director of Hammerhouse LLC. “We believe many of our clients will be better served with our local presence in Chicago, and by working with John to leverage his experience in making high quality, inaccessible and model-matched candidates accessible on an ongoing basis.”

Mr. Van Tassel assumes his role with seven years of experience in nationwide recruiting of mortgage production professionals. For the last two year, Mr. Van Tassel has worked for Hammerhouse, as Vice President Strategic Growth, at the company’s headquarters in Mission Viejo, CA, where he helped clients build out sales, executive leadership and production teams. Previously, Mr. Van Tassel was part of American Home Mortgage’s internal recruiting department focusing on recruiting production professionals for the retail, wholesale and correspondent channels.

To contact Mr. Van Tassel, please call 708-716-4765 or email him at john.vantassel@teamhammerhouse.net.

Since inception in late 2008, when the Company was founded by a core group of search professional with over 30 years of combined experience of developing strategic partnerships with mortgage bankers and the financial services sector, Hammerhouse has helped its clients bring on board what equates to approximately $6.5 billion in annualized production volume. Hammerhouse is headquartered in Mission Viejo, CA, with regional offices in Greater Charlotte, NC and now Chicago, IL.

Miami Beach Condo Market - are prices finally rising?

There’s definitely a buzz in Miami Beach in 2011 and as we’ve just finished the first quarter, of what we in the business know is going to be the not so gradual shift away from buyer’s power, we thought it apt to see what’s happened to prices and the predictions for the year to come.

The Miami Brits, Alistair Powell and Shelly Northern have most certainly seen the change; “The number of enquiries we are receiving on a daily basis is definitely rising” says Mr Powell “and the gap between list price and final agreed price is closing rapidly showing that buyers are now willing to pay the higher premiums for good properties”

“Home sale have been exceeding new inventory for several weeks now. Since this is a still officially a buyer’s market according to the market action index, the listing prices are not rising yet until the excess inventory is consumed.” continued Mr Powell.

“Sellers need to be realistic. The market is moving and if they are pricing unrealistically, they’re going to miss the active buyers out there” added Ms Northern, “while there is still a reasonable amount of inventory, it can probably be said that 20% of the inventory is getting 80% of the activity”

Mr Powell said “we’ve seen the market action index shift from a low of 11.8 in summer 2010 to 19.46 this week.... that’s a definite move towards a seller’s market again. The change point from buyers to sellers market is 30 so we’re getting close.....”

“It’s important for buyers to realize that if they want the deals that were around 12 months ago, they’re in the final few weeks/months of being available as the money starts to flow back into Miami Beach.”

“Realtors can see and feel the recovery and so can the sellers but while this is all good news, it’s important for sellers to still realize it is a buyer’s market for the near future and price accordingly..... If it’s not selling, it’s because of 3 factors - price, price and price....”

The latest market report for Condos in Miami Beach shows that:

* Median List Price has stayed the same
* Asking price per square foot has stayed the same
Average days on market has dropped significantly
Inventory of Properties Listed has dropped significantly

Surrey Mortgage Broker To Open For Applicants

TD Canada Trust has risen most of its fixed-term mortgage rates - a move that increased five-year closed mortgage to 5.69 percent.

Many home owners will agree that getting a mortgage will be one of the most important decisions to make; with the right financial advice, you can be guaranteed to have a significant financial benefit in the long run. Many potential home owners will shop for pre-approved mortgage before they buy a property. This will allow them to set a maximum price for the purchase.

"One of the myths of shopping for mortgage is 'bank giving us loan'" said David Green, Survey mortgage broker specialist. The broker company clarified that instead of thinking the power is in the lending institutions' hands, home ownwer grants the lenders a mortgage on their properties.

Although there is no cost or hidden fees in applying for a pre-approval, home owners are advised to perform sufficient due diligence to save for future financial gains. A broker help will come in handy. Someone with a brokerage experience will have access to the ins and outs of latest lending institutions scenarios and inform home owners. For first-time buyers for example, a few common problems that may arise are such:
- how to purchase mortgage with no money down
- what is the due diligence check list
- how to get the best mortgage rates available today, and so on.

In most cases, utilizing a mortgage broker knowledge and expertise is a wise move. "Our economy today is not so promising like we used to have; however, with smart financial tactics, most of future problems can be prevented," Green, a Surrey Mortgage Broker extended. One instance, Green further commented, first-time buyers who have good credit rating can stop renting and start owning home today.

Fixing up the mortgage crisis

Americans invest big amounts of money in properties and homes, and they always make sure that they obtain the best type of mortgage, to maintain their financial wealth and the overall economy stability.

That means we have to solve the Fannie Mae and Freddie Mac problem and eventually figure out the proper role of the federal government in supporting a secondary market for home mortgages. Doing that right is one of the most important issues facing Congress and the Obama administration.

Some people ask, Why do we even need a secondary market for home mortgages? Why don't we just go back to the good old days before those markets existed and require banks to hang on to all the mortgages they create?

Let me tell you why. When I went to buy my first house in 1976, mortgage money was hard to find. In fact, it was rationed. Banks simply didn't have the deposits on hand to meet the demand. That was 35 years ago, and we don't want to go back to those "good old days." Mortgage rationing is not the future we want for our customers, their children, or their grandchildren. We have to recover form the mortgage crisis.

Consider these facts: There are 76 million homes in the U.S., of which 51 million have mortgages. Taken together, those mortgages represent a debt of $11 trillion. That's a level of debt that banks can't afford to hold on their balance sheets alone. As a nation, if we want to make home ownership broadly available and affordable, we need a secondary mortgage market that operates fairly and efficiently for all parties.

Freddie Mac and Fannie Mae were created in part to help achieve those goals, but they've run into big trouble along the way. They now own or guarantee nearly 31 million home loans, worth more than $5 trillion. Their role is so critical in that the federal government bailed them out in 2008 to the tune of what might end up to be more than $250 billion.

So as Fannie and Freddie unwind, as they certainly will, what principles should shape the future of home financing? I believe the answer comes in three parts. First, all parties involved in making and investing in mortgage loans need to share a financial interest in the quality of those loans. That includes the customer taking out the loan, the financial institution or broker originating the loan, and the investor who ultimately owns the loan. All parties need to have skin in the game. If originators don't have a financial interest in the loan, they will have less concern for its quality, and poor lending decisions will happen and be passed along to investors. That creates a house of cards.

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