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Articles Written by: JACK GUTTENTAG
Financing closing costs is costly, however, if the larger loan increases the price of the mortgage.
This will happen if the loan amount crosses a "pricing notch point" -- a point at which the interest rate, points or mortgage insurance premium ...
A: A lot has happened since that column was written. Very shortly thereafter, the Hope Now program promoted by Treasury Secretary Henry M. Paulson Jr. began as an effort by housing counseling agencies and mortgage servicers to modify loans on a ...
Who has political responsibility for inadequate regulation? There are two financial sectors where more extensive regulation might have made a difference. These are the investment banks and the government-sponsored enterprises Fannie Mae and Freddie Mac. ...
AI have heard the same from numerous people I have counseled. I have no reason to doubt them. The most common story is that they were told by the servicer to come back when they were two payments behind.
There are understandable reasons why borrowers ...
The result is a growing number of requests to co-sign for loans, in which one party with good credit agrees to be liable for the debt of another party, with poor or no credit.
Some co-signers have had their lives severely disrupted when the borrower ...
Bargaining power is the power to influence the terms of a transaction by threatening not to go through with it. The bargaining power of borrowers is inseparable from the knowledge that they have it and their willingness to use it. Borrowers entering ...
The first is an increase in day-to-day price volatility, which I wrote about a few weeks ago. The second is a tightening of underwriting standards, with higher down payment requirements the centerpiece.
Underwriting requirements are the rules lenders ...
AMortgage loans are made by two different types of institutions. The largest number are mortgage companies, or as they prefer to be called, mortgage banks. Mortgage banks are state-chartered temporary lenders that sell the loans they originate because ...
A: When mortgages are sold, bad things occasionally happen, but I have never heard of a mortgage disappearing entirely. I'm glad you are not entertaining the possibility that the mortgage will never be found and thus you won't have to pay it off. It ...
In one common situation, the borrower has two mortgages, which add to an amount well in excess of the value of the property, and he can no longer afford both payments. If the same lender holds both mortgages and if the borrower can afford some reduced ...
