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Thursday, April 26, 2007
Tuesday, April 24, 2007
Rate Prediction
The Fed finally stopped raising rates on August 8th 2006 (Prime is now 8.25%) and is hoping that inflation may now be under control. The Fed has left interest rates alone for six consecutive meetings after raising them 17 times from June 2004 to June 2006. Most experts think FED rates will remain essentially the same. Mortgage rates may go UP 1/2 % before year end, but remain historically low.
Foreclosures up 200%; more in California
The state of California’s foreclosure rate is up 800 percent compared to a year ago, according to the LA Times. And, that’s only the average. In Ventura County, for instance, foreclosures are up 1,100%; Riverside County is up 900%; Orange County, LA and many southern California areas are up 700%. The rest of the country is not as bad, but foreclosures have increased tremendous amounts compared to past years. The foreclosure rate throughout the country is up 200 percent. Many of these homes were speculative buys, especially in Nevada, Arizona, California and Florida. No one ever intended to live in these places. They were just hoping to flip them for more money. What if you’re not a spec buyer? You own your house and you can’t make payments. FREDDIE MAC announced last week it will provide 20 BILLION to help people refinance. Washington Mutual is setting aside 2 Billion also. But, for the most part, your lender wants to work with you. They may offer you a 40-year loan instead of 30-year loan to help you keep your home. It will reduce your payment about 5 percent, which isn’t much. But if you’ve called before and gotten the blow off, give it another try.
The state of California’s foreclosure rate is up 800 percent compared to a year ago, according to the LA Times. And, that’s only the average. In Ventura County, for instance, foreclosures are up 1,100%; Riverside County is up 900%; Orange County, LA and many southern California areas are up 700%. The rest of the country is not as bad, but foreclosures have increased tremendous amounts compared to past years. The foreclosure rate throughout the country is up 200 percent. Many of these homes were speculative buys, especially in Nevada, Arizona, California and Florida. No one ever intended to live in these places. They were just hoping to flip them for more money. What if you’re not a spec buyer? You own your house and you can’t make payments. FREDDIE MAC announced last week it will provide 20 BILLION to help people refinance. Washington Mutual is setting aside 2 Billion also. But, for the most part, your lender wants to work with you. They may offer you a 40-year loan instead of 30-year loan to help you keep your home. It will reduce your payment about 5 percent, which isn’t much. But if you’ve called before and gotten the blow off, give it another try.
SOME GREAT INTERNET LINKS:::
• www.annualcreditreport.com - the only legitimate free credit report site
• prosper.com - borrow money for ANY REASON FROM OTHERS
• legalzoom.com - self-help on writing a will and other legal documents
• travel.state.gov - info on passports for cruises
• airfarewatchdog.com - Looks for BEST airfares from your home
• grandcentral.com - one number that rings all of your phones--GREAT FREE SERVICE
• metropcs.com - unlimited local calling
• vanguard.com - the best NO-LOAD investments in people's opinions
• cardweb.com - find a credit card for you
• stolenidsearch.com - find out if your SSN has been compromised
• charitywatch.org - help with donating to charity
• redbox.com - rent movies for a buck
• realtytrac.com - 7-day free trial
• homesales.gov - free government sales site
www.zillow.com --- Homes for sale and information
www.volition.com --- web site for free things and work at home ideas
www.iggyshouse.com ----- FREE listing of FSBOs
http://usatoday.jiwire.com/hotspot-hot-spot-directory-browse-by-location.htm ---FREE Wi-FI locations
• www.annualcreditreport.com - the only legitimate free credit report site
• prosper.com - borrow money for ANY REASON FROM OTHERS
• legalzoom.com - self-help on writing a will and other legal documents
• travel.state.gov - info on passports for cruises
• airfarewatchdog.com - Looks for BEST airfares from your home
• grandcentral.com - one number that rings all of your phones--GREAT FREE SERVICE
• metropcs.com - unlimited local calling
• vanguard.com - the best NO-LOAD investments in people's opinions
• cardweb.com - find a credit card for you
• stolenidsearch.com - find out if your SSN has been compromised
• charitywatch.org - help with donating to charity
• redbox.com - rent movies for a buck
• realtytrac.com - 7-day free trial
• homesales.gov - free government sales site
www.zillow.com --- Homes for sale and information
www.volition.com --- web site for free things and work at home ideas
www.iggyshouse.com ----- FREE listing of FSBOs
http://usatoday.jiwire.com/hotspot-hot-spot-directory-browse-by-location.htm ---FREE Wi-FI locations
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