More than four years after real estate values peaked, the historic plunge in home prices remains fresh in the minds of mortgage lenders. After taking painful losses on delinquent home loans, banks have imposed ...

... home prices could fall again — something most analysts expect. And some are having trouble meeting tighter lending standards and can't qualify for loans. As a ... socking away money for a down payment.

... down, home sales are hammering down ... think the answer is you get the banks to knock down the principal owed on these bubble-era reckless loans. They should never have expected those principal payments,

... loans offer new evidence of the sway Rizzo held over the small, working-class city. Rizzo stepped down this summer following ... respond to a message left at his Palos Verdes Estates home. A review by The Times ...

The broad Standard & Poor's 500 Index ( ^SPX - News ) ended up 0.91 percent. The National Association of Realtors' Pending Home Sales Index, based on contracts signed, rose 5.2 percent in July from June. Analysts had ...

... down to the level where buyers would be willing to buy a piece of art history. A 1949 home built in the foothills of the Verdugo ... discouraging banks from offering loans large enough to cover asking prices. "

... home sales in the world’s largest economy is forecasted to fall another 1.0% in July following the unexpected 2.6% drop in the ... which could bear down on the recovery. As a result, the Fed held a cautious ...

... home values down," he said. Sales of previously foreclosed homes accounted for 22 percent ... making them unable to refinance their loans and preventing some from selling their homes. Nationally, the number of ...

... weekly report on home-loan demand, the Mortgage Bankers Assn. said it tallied 37% fewer applications last week for loans to purchase housing than it had a year earlier. The purchase applications were down 0.4% ...

... home loans returned 34 basis points, or 0.34 percentage point ... Treasury rates have come down, and mortgage rates have generally followed,” Fratantoni said in a telephone interview. “In some cases,

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My husband and I both have credit scores of 753. He is an engineer. I am a stay at home mom and student. And we have perfect auto payment history. We ordered a built to order Volvo and will need to obtain financing when it's built for $40K. We recently experienced a hardship when we lost a tenant in a rental property and needed all kinds of repairs. It has sat empty all summer since the property manager did not price it to rent. and someone cranked up the air so we've paid giant electric bills. we finally got a renter today. in the meantime we have managed to run up $25K in credit card debt. most of that is on a 0% interest and things are looking up. we still have plenty of open credit. BUT will this high balance prevent us from getting a zero down auto loan? we are fine with the standard 5.9%.great advice but too late. car was ordered before the hardship and credit card balances won't be paid before we need to obtain the financing. the question is in the now. getting financing with that credit and that balance right now.He makes 100K

We are going to do a rural development loan bc of the $0 down and no need to carry PMI. The offer we put in and are under contract for is $99,900. The sellers are paying $2500 of closing costs, and so do we need a 3% down that we incorporate into the loan we were told by the woman at the bank. But she also said that we can only take out what the home appraises for 102%. Looking at the data of the home it was appraised this year for $100,300, that's not who we hired to appraise, but if the appraisal we do is around that being that its the same year and not much has changed, 102% would only be $101,023 or something not allowing enough for the 3% down or any closing costs. Are we understanding all of this correctly? Are we going to need to come up with the cash or will it all be able to be funded...?

My parents are veterans and they're in the process of getting a house. They went to a real estate company, and got this older generation agent (you'll see how this plays in later- I'm not ageist...) Anyway, we've seen houses with this agent, and we got to this one beautiful house. We loved this house and wanted to make an offer- it was part of a bidding process since others had bit on it. Since my parents are Veterans, they applied and got approved for a VA loan (which covers 100% of the mortgage, instead of things like FHA, which requires 3% down). So, we don't have to put anything down on the house. We talked to the agent, and he said that it was ridiculous, the best percentage was FHA, 3% down. 0% down was unheard of. This agent is wrong, the VA loan is 0% down; the agent thought it was a scam, probably. One VA representative said that this might happen with an older generation since it wasn't too common back then. However, the house we liked went under a contract, we lost it. This agent made us lose the house (we tried to act, but the agent stopped us, and pressured my mom to put 10% down, and then tried to pressure my dad. My dad told him that we already had a bank). I was so mad when I heard this since it's all of his fault! We lost the house we liked since the agent said: "It's hard to represent when you put nothing down." "There's no such thing as 0% down." "You have to sign here, and put 3% down [which is $13,000 out of pocket]." This is the FHA guidelines. The question I want to ask is: Should my parents just switch agents and go to some other place and get a more trustworthy agent, or should they stay with the agent? (By staying with the agent, we have an opportunity to bid on other homes we saw with said agent. If we switch to another agent, we lose the chance to go to one of the viewed houses, and have to start from scratch.) Thank you for your opinions.

Okay, pretty much everyone here knows I'm getting married and that my fiance lives with me & that I pay all the bills. He doesn't have a job, but is looking for one. We moved to the area about a year ago, and he's just now started making local friends. I'm very happy he has friends. They all hang out often, and are pretty good people, just with a bit of a MJ addiction. NOW - let me say first off that his new friends are helping me and my fiance out a lot. I've had to save money for important things which leaves my budget at about 0 for food and gas and any other essentials. I still don't have enough money for the business trip I'm required to take in 2 weeks. They'll reimburse me, but I can't even afford to take out a loan right now. Our old roomie is getting a loan so he can move into an apartment with his fiance. He's being so generous as to request money for us so that I can go to the trip and pay him back afterwords. He's also bought us some food so we can live. I'm not asking for advice about money or food. He's staying over the week, and he's giving us the money because he and my fiance are best friends. I don't mind that he's staying over. Now - moving on - his new friends have been helping us out with gas money, and trying to fix my car troubles. I really appreciate all their help and their bonding with my fiance and all, but I'm really starting to have issues with them. The only issue I have: They hang out at my apartment 7 days a week. I usually work overtime and have an hour and a half trip commute for work each way. When I get home, I'm exhausted and all I want is food, TV, and sleep. For the past 2 weeks, his friends have been at the apartment all but 2 days. Usually they're sleeping over. My lease says I'm not allowed to have guests over for more than 7 days. I don't mind if they come over often, but practically every single day is really killing me. I enjoy my privacy and like doing stuff when I'm at the apartment that I wouldn't do in public. I appreciate that my fiance has friends and that they're good people and helping us and all that, but what I'm asking for is that they only spend 4 days over at the apartment per week instead of 7. I'm willing to go as high as 5, but it would severely put me out for it to be every single day. I hate being on my best behavior at work only to come home to entertain guests. And that puts my quality time with my fiance at about 0. Again, I don't mind having them over, but they're really making it their prime hang-out spot when they just barely know us. If it weren't for them helping us out so much I would say I'm being used. I've asked my fiance to cut the amount of time they're over here down several times before, but he just doesn't listen. I was having severe pain and stomach cramps when I got home yesterday because of an adverse reaction to medication I just started taking, and he had his buddy spend the night! So, it was my fiance and I and two guests. Am I in the wrong? Should I stop pushing him to cut the time down? Please, I would like honest answers. Thanks!Please remember - I don't mind them spending the majority of the week over (4-5 days), but 7 is killer.I spend time on here when I'm between projects. I'm a fast typer, and quick with a computer. There are days I go without touching this site.And most people shove piles of work at me at 5:25pm. I love those people (High Sarcasm.)Please note: I can easily live off PB&J and Ramen Noodle. We have enough dry goods to last us until I can get up the funds, but they're supplying us with meat. And the one who's supplying the food is the one who's staying over who used to be our roomie. I don't mind him being over at all! He respects our space and doesn't require a lot of company.They're ususally over to play video games and yak it up. During the day time they go out together and look for work. If it weren't for the upcoming wedding and all the car troubles, we'd be OK on funds. I've already paid $2.5 grand on the wedding, and 2 grand on car tune-ups. I just don't have the money to cover anything else at this point. And there's only going to be 30 ppl at the wedding.I've been with him for 8 years and finally said yes to his proposal. There are millions of reasons I'm marrying him - he's not leeching off of me, and he really does support me a lot in his own way. I don't want to write a novel about everything in our relationship. I just wanted to know what people thought about this specific issue. That's all.He asked me to marry him month 1 of us going out. I didn't say yes until last year (at that time after 7 years of us dating). Does that honestly sound like a woman who's desperate for marriage?

My wife and I have existing debt (Some credit card, auto loan -mostly paid off w/ equity-, and student loans). Can we get a first time home loan with 0 down, and consolidate our debt into that loan? All together comes to about $26,000 I am a veteran and am qualified for a VA loan more than likely We have decent/good credit. Also we are looking at a manufactured home with land combo valued at $140,000 ... In a growing town in Washington state. We make aprox $3,200 together a month.What if it appraises at higher?So how is it determined how much it is that you get in your loan?

My husband and I are moving into a new home and in the process of updating all of the old/broken appliances currently in the place with new appliances from Sears. As you may know, Sears offers a 0% interest rate for 12 months and depending on what kind of promotions they're running, an additional 5%-10% off of certain appliances when you use the Sears card. Our main issue is whether we should take the bait for the sake of the discounts/0% interest even though I personally don't like the idea of opening a credit card solely for the discount. Just to clarify, we do have the option of putting this on our existing cards or even paying it immediately in cash. We keep our cards either at low balance and paid off, all of them have a high limit, around $8000-10000, but the interest rates are there and a bit high...given that we'll be making a purchase between $3000-4000, I don't really want to pay that extra $. And while we do have cash on hand, since we JUST bought a house, our savings have gone down significantly in the process and if I can measure out our payments over the course of a year, that'd allow us some time to build our savings back up without feeling we're too pinched in the bank. I'm just not sure in this instance of the pros (the 0% rate and discounts which would make this large purchase much easier in a time where we've made many significant purchases in the course of a couple months) outweigh the cons (opening a new credit card account when we've had a lot of credit inquiries due to the home buying/loan process, and it being a card we wouldn't necessarily need or use beyond this purchase).

Right now, I'm living in a 4 bedroom home with three bathrooms, washer dryer, and dishwasher. It has a 10 minute walk to my campus, and I like to bike to the gym which is a 10 minute bike ride. I get all of this for $250 a month... CRAZY right?! Great deal, but here's why I want to move. The house is full of clutter. I rent under the table from a great family, but two of the four bedrooms are FULL of crap, and the whole basement is a nasty dusty mess. The house is surrounded by an overgrowth of weeds and plants that look like they belong in the movie Avatar. Only 1.5 of the bathrooms are operable, and I feel like I have no say in that bad taste of furniture or paint. My house is so run down looking, I got broken into in the middle of the day while I was home b/c it looks like no one lives there! My other option is to pay about $550 a month for a one person apartment that puts me at a 20 minute walk from campus, but there is a bus service that runs by there every 20 minutes...it'll also put me close to the grocery store - important b/c I don't have a car - and next to TWO gyms ( I play inter murals at one, workout at the other). My apartment would be clean, clutter free, and I would feel so at ease and relaxed. Should I move? I'm willing to take out a loan to help me out as well. I'm going to be a senior, I have gotten a 4.0 for two years in a row, and I'm a hopeful at Harvard Business School. I'm thinking of taking out a $5000 loan - I have only less than $5000 in loans right now, so my grand total will be a fraction of that compared to others (scholarships, I am very very grateful) What would you do if you were in my shoes? THANKS!

I'm currently in attending a university in Texas,but I have been wanting to transfer to school back at home since I came down here.The opportunity has finally come for me. I applied to the university I've always wanted to go to and they'll take all my credits expect for two, one class I received a C- in and it has to be a C or better to transfer and the other class they said I had to send the syllabus for that class which I did a couple days ago. When I sent my transcript I sent over 51 credits to be evaluated, and 45 they said will transfer, not including the 7 credits I'm currently taking for summer school,which also needs to be evaluated to see if I can receive credits for those. At my current university I am only 2 credits shy of being right on schedule for graduating Spring 2012, at the university I want to transfer to so fair im 18 credits shy. Also I don't know what other classes I'll possible have to take at the other university like if I took all of their core classes or if I have not. At my current university I am done with all the core courses and now I'm taking classes in my major in the upcoming Fall semester. I did not fit the requirements for my original major so the university I am applying to made me change, but I didn't like that major anyway, so I was fine with that. At both universities I need 120 credits to graduate. The university I attend, I am not a big fan of it's not me, when I'm here I'm ready to go back home, I love the city I am in and I would love to live here, but I do not like my school, and I would like to transfer, but now that I can I don't know what to do. I have no friends here and I'm a very friendly person. I want to transfer to start over but is it worth losing those credits and having to make up so much. Right now my gpa at my current university has been in the 3.0+ and I am going on my junior year this Fall. When I transfer only the transferable credits carry over not my gpa. At my current university I'm not saying it's easy but I receive alot of help to pass, the campus is smaller and the classrooms and professors have the ability to remember students names if they want. The university I am thinking about transferring to is Michigan State,enough said..HUGE CAMPUS right!! I'm afraid I won't get that same help and I won't be able to graduate Spring of 2012 like I want to. I have been trying to talk to counselors but they said I can't talk to an advisor until I have paid a fee and officially register as a student, even though they sent me my acceptance letter. I don't party here because I have no friends, and I feel like I am not getting the college experience I wanted, but with that I do want to graduate on time. My mother says come back start over because I am always complaining about my school and State might be more challenging but they have alot to offer. My father says stay finish up these last two years get my degree and finish at the top half of my class then do what I want to after that.What do you think I should do? And that only two classes aren't transferable is really good, compared to other schools probably wouldn't have taken half. I am so confused. I am going to visit MSU when I get back from summer school. What should I ask? Should I transfer or should I stay? The school I currently attend is not well- known its a HBCU and I feel like MSU would be better on my resume, but I heard jobs don't even look at that,they just want to know that you have a degree and sometime gpa. What do you think. Right now with aid and loans, I don't have to pay for anything out of pocket not even summer school. I don't know if it's going to be like that at MSU. I was paying out of state fees in Texas then I received a academic scholarship that waived those fees. At MSU I'll be paying in state but will aid and loans transfer making me able not to have to pay out of pocket there either. HELPPPPPPPPPPPPI AM NOT LOOKING FOR A LOAN..I DONT NEED A LOAN..I NEED ADVISE ON SWITCHING UNIVERSITIES!!If I go bakc home, my family is this, I really don't have a lot of friends but they're there too. My dad thinks that I've been doing well because I've been away from everybody. Which maybe true but I want to succeed!!

I am in a financial quandry and I need some advice. I am living paycheck to paycheck with some unique circumstances. My bring home pay a month is $2500.00 and my monthly bills (including mortgage, student loans, transportation, food, cell) equals approx. $2500.00 a month. Thus my net pay equals my expenses. I've been working to pay off some credit card debt and I am now down to $1600.00 in debt (originally $7K as of Novemeber 2009). I also have started contributing 12% of gross pay to 401K and recently started putting $500 a month in savings account with Ing. Altogether I am putting away about $1K a month. My problem is this --- Am I saving too much money in 401K and savings? With my current budget, I don't have enough to pay more than the minimum on my remaining two credit card debts. I am 34yr and I only have $25K in my 401K which is why I have increased my contribution this year to 12% instead of 6% and I had $0.00 in my savings account so I'm trying to put away a couple of months worth of funds there. But am I doing too much or is it out of order somewhere? Any advise that you can give me would be appreciated. Thank you.

I'm looking at buying a home in louisville, ky. I have 0 down but am eligible for a VA loan. I have a 646 credit rating and rising. I'm looking at about 200,000 multi family home. I make about 60000 a year. Two things. First, what is my max eligibility. Second what would total payment be on that. I tried looking up the tax rates there but was thoroughly confused. I'm also guessing that PMI wont be neccessary if its a VA loan.

Here is some back ground: I am 28 My income is $48,000/year Technically a mortgage still has my name on it from a divorce (all in good standing, no late payments, 5 yrs of payments made about $75,000 left) I have paid off two auto loans, both in great standing, paid on time and early. I have 4 cards :Home depot, Citi, Amex, Best Buy. Amex= $4,700 limit. Balance is $4,300. (all payments made on time) Home Depot= $3,700 limit Balance is $0 (Also a "Citibank card"I make purchases and pay them off) Best Buy= $2,100 limit Balance is $0 (I make purchases and pay them off) My Citibank credit card is my oldest card. It was my first card and I got it back in 2000 when I was in college. In the last 10 years I have had it maxed out and then paid off 3 times. I have had a zero balances many times. Currently my limit is 3,700. My balance is 3,300 and has been for 2 years. I make all payments on time and over the minimum. Occasionally I make small purchases. (which is why my balance stays the same over time). They sent me a letter stating they "recently adjusted their standards and my account does not meet the new standards" It will be canceled due to: *Proportion of balances to credit limit is too high *Amount owed on accounts it too high *Amount owed on revolving accounts is too high Yes, those are all self explanatory reasons. But somehow I still need further clarification: do they want to cancel it because I have not paid it down in a long time----that it's basically "stagnant" So with all this info and you see the big picture do you think this has anything to do with my Home Depot card and it's zero balance? Do you agree they are canceling my card because it is "stagnant" Do you think they would agree to keep it open if I agree to bring the balance down soon? I plan on calling of course, on all of these issues, but for now they are closed and I need to get your opinion.

Does applying for a higher home equity line of credit hurt my credit score? Original credit limit was $120,000.00 but it went down due to the home pricing down fall....I am not lookin gto take out extra cash but I know it hurts your score if you are maxed out on a particular acct.

So here is the back story before the rundown. I'm looking to buy a HUD home that is listed for 45k. I'm making an offer of 39,900. Now I've been approved for 70k but the house is really nice, great neighborhood. It does qualify for FHA only needs appliances. So with that being said I got my prequal evaluation form and it breaks down into some weird things that I don't understand and I want to make sure I'm not getting screwed. From top to bottom we got this Sale price 39k loan without MIP 37k loan with 38k Then this is the big parts, loan orig fee - 0, loan discount points - 0, courier/delivery/ messenger fee - 25.00, underwriter fee 295.00, tax service - 87.00, processing fee 300.00, recording filing fee 400.00, app fee 395.00, lenders title insurance 84.25, survey fee 95.00, flood cert - 14.00, Prepaids - 1101.26 Escrows - 590.00 Loan Costs 1810.25 And then ash deposit earnest money - 0 Amount paid - lender - 0 amount paid - seller - 87.00 What does this stuff mean? I realize it's a lot but I need help. Thank you

So I was just curious to see how much someone needs to make a year in salary or month even... to qualify for a $200,000 mortgage loan. We are thinking of selling our current home probably years from now, and we are looking to get a home for 200,000 or less (200,000 would be our maximum)... this would be depending on what our house sells for now and what we will put down 0% or 20%.... depends. but we are estimating getting 40k back from our home in cash if it sells even at a low value price. So anyways just was curious anyone have a good idea?

This code is not working. I need the user to enter a number, I need the program to convert that number into a percentage/decimal and then later convert that percentage back to a dollar amount or whole number again. This is what I used for code so far which is not working. Int main() float dowpay; //down payment float price; //price of home float percon; //payment converted to percentage float amtdwn; //down payment percentage time the price of the home. percon = downpay * 0.01, amtdwn = percon * price, so this is what I have so far well a little of it anyway, I then need to figure this as a 15,30 and 40 year loan as well. Any help will be appreciated.

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The real-estate industry was abuzz with chatter earlier this week about the government offering another home-buyer tax credit, after Shaun Donovan, HUD secretary, said on CNN that it was too early to tell if the credit would make a return.

CHICAGO, IL (Sept. 4, 2010) - Collins John lashed home a 88th minute free kick to give the 10-man Fire a lead, but Omar Gonzalez headed home the equalizer three minutes later as the Fire and Galaxy battled to a 1-1 draw in front of 21,068 fans at TOYOTA PARK.

Mortgage rates fell to the lowest level in decades for the 10th time in 11 weeks, as investors worried about the economy.

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It doesn't pay much to save these days even as consumers and companies -- sobered by high unemployment and the recession -- have cut spending and tried to reduce debt.

MANCELONA — Life often was a competition for Jason Calo. Calo, 23, of Mancelona, hit the books in order to achieve higher grades than his classmates.

Last week's news that July home sales were in the tank sent the Dow Jones industrial average below the 10,000 benchmark over worries the economy is heading toward the second plunge of a double-dip recession. Don't expect the sales numbers...