... mortgage lenders and brokers to order appraisal reports through an independent management ... I wrote about HVCC about a year ago and described it as "curing dandruff by decapitation." A year later, my opinion ...

Current 7 year mortgage refinance rates are also lower averaging  3.72 percent. 10 year adjustable mortgage interest rates are averaging 4.01 percent this week, down from last week’s average 10 year adjustable ...

MORTGAGE RATES fell to the lowest level in decades for the ninth time in 10 weeks, as concerns grow that the economy is weakening. The average rate for a 30-year fixed ... thousands of borrowers to refinance their ...

Mortgage buyer Freddie Mac said Thursday that the average rate for a 30-year fixed loan was 4.36 percent this week ... The low rates have fueled borrowers to refinance ... Current DateTime: 02:10:21 26 Aug 2010 ...

Mortgage rates managed to reach ... OB ) said on Thursday that the average rate for traditional 30-year fixed mortgages fell to an average of 4.36%, the ninth decline over the past 10 weeks. Fixed mortgages with a 15 ...

Current 7 year mortgage refinance rates are also lower averaging  3.72 percent. 10 year adjustable mortgage interest rates are averaging 4.01 percent this week, down from last week’s average 10 year adjustable ...

... Freddie Mac mortgage ... 10-year Treasuries as of 1:58 p.m. in New York, data compiled by Bloomberg show. The gap reached a record low of 0.54 percentage point on July 30. More homeowners may be able to refinance

sold $4 billion of 10-year dollar ... mortgage bond investors, refinancings remain a driving concern. Applications to refinance existing home loans climbed to the highest level in more than a year last week,

... mortgage securities that guide U.S. home-loan rates reached the highest in three months relative to 10-year Treasuries as investors ... More homeowners may be able to refinance if bond yields stay low,

the Bachners closed on a 20-year mortgage with a ... nearly 80 percent of homeowners looking to refinance were successful. These days, some mortgage brokers are reporting about six out of 10 refinance deals fail. "

academyofmortgage.net
7/08/2010 11:07:33 PM GMT

10yearmortgagerefinance.com
24/08/2010 1:41:01 PM GMT

calculatedriskblog.com
5/09/2010 1:44:54 PM GMT

monitorbankrates.com
7/08/2010 8:04:49 AM GMT

monitorbankrates.com
15/08/2010 4:47:18 PM GMT

monitorbankrates.com
2/07/2010 12:28:02 AM GMT

ptmortgage.com
26/05/2010 6:19:30 AM GMT

az-realty.com
23/05/2010 8:30:08 PM GMT

brothersoft.com
26/05/2010 11:32:22 AM GMT

forthebestrate.com
9/06/2010 12:42:27 AM GMT

10yearmortgagerefinance.com
10/08/2010 12:51:09 AM GMT

10yearmortgagerefinance.org
7/08/2010 11:07:33 PM GMT

totalmortgage.com
13/06/2010 12:57:21 PM GMT

bukisa.com
8/06/2010 9:17:44 PM GMT

banksandtheeconomy.blogspot.com
7/08/2010 11:07:33 PM GMT

Long story short (kind of)...my husband and I are in one of those crappy adjustable rate mortages which is set to go up in January. We have been trying to refinance, but are having horrible luck. Our credit is considered good (even though we do have a bankruptcy on our record) - but we are being told that our loan to home value is what is throwing us off. We need to be refinanced for $180,000 but our home value is falling short of that. I know there are programs out there like "relief programs" but we keep being told we do not qualify because our loan is neither a Freddie Mac or Fannie Mae. Another stickler seems to be the fact that we pay ALL our bills ontime. There are programs out there for people who are behind on their mortgages...which is not our situation. We are current on all our bills. Bankruptcy was discharged over 2 years ago, and we have worked to rebuild our credit. Is there ANY hope for us out there as far as being able to refinance before our mortgage adjusts is January? Oh, and I DO understand that a bankuptcy will stay on our record for 10 years - but according to a few different mortgage brokers, that's not the problem...it's the economy. HELP!

Our balloon is due on our building. We took out the mortgage over 7 years ago. The bank first took all our paperwork. They then approved a refinance, but they ONLY lowered our interest rate by 1/2% to 8%. What a slap in the face. Now, they are telling us that we will owe them around $10,000, which is the difference between 73% of the LOW appraisal said our building is worth, and what we owe. I can't afford to take that out of our meager savings! I feel like I am being strangled to death by this bank. Are there any tips I can get from anyone here about banks and negotiating with them?By the way, my credit score is just over 800, we make a good living, and 8 1/2% was common over 7 years ago for commercial properties.

Our loan was for 5 years. That time is almost up but we will still owe approx. 66,000.00 as a balloon payment. Cannot find any information on what we can do now. All I can find is that you can refinance it through your existing company. We have done this twice before over the past 10 years. However, this time we have had a severe drop in our credit score. Our estimated property value is at least 3 times what we need to borrow in order to pay off this 66,000.00 balloon payment. would like it to be a regular mortgage, or whatever, so that at the end of the term, we wont owe anything.I guess I am wondering if my current bank is obligated to refinance it or would I be forced to find another company who finances couples with poor credit. We have been with this same bank for 15 years. The last time we refinanced the equity loan, when our credit was good, I asked the banker to set it up so that we wouldnt owe so much at the end of it. I guess he thought that 66,000.00 wasnt SO MUCH. Is any company out there helping couples in our situation .

I've been working to get my home refinanced for the last two years. but my credit score was low, now that my credit score it up they have moved the (Foreclosure) on past homes to 5 years instead of the 3 it use to be. I have always paid my mortgage note ont time and was never late. On my first home for 9 years till the real estate agents really messed me around, telling me go ahead and buy your new home and we will sell your old one. I paid two house notes for 10 Months , and what did they do they broke the keys off in the locks so they left the door open someone got in stole my pool table that was going with the house and trashed the place. they never contacted us and lead us on for 4 months telling us no one was interested in our home. We finally ran out of money and decided to let the house go into Foreclosure (bad mistake) but there was nothing else we could do. now we have been living in our new home over 4 years with no late payments, but no one will refinance us, we really need the cash out option to help get out daughter settled in to Collage. new car, books etc, etc, does any one now of a GOOD AND RELIABLE CO. that can help us. thank you for your assistance.i have over 100,000 in equity in my home, only owe 50,000 on it and appraisle said its worth 150,000

? would refinanceing these be good. 18,000mortgage 500/month x 3.5 yrs.* 2nd mortgage 460/month x 6yrs 27,000, , New loan would be 48,000 490/month x 10 years. Cash flow up front would be about 500/ month savings. It sounds good to me. We are about 7 years from retirement. I appreciate any response Thanks

My math skills aren't amazing and I'm not sure how I would figure this out anyway, so maybe someone can help me. This is a real life question. We have about 60 or so thousand dollars in private student loans and then maybe 10 in federal loans. If you're not familiar with private student loans, skip to the bottom and I'll explain them. The rate for the student loans is currently about 9%. We are selling our house and if we sell the house for the amount that we paid (we'll probably get a little more), we will net about 35,000 after commissions. We're planning on buying a small fixer upper for 75-100,000 and getting a 10 year mortgage. Mortgage rates look like they're about 4 or so percent. I was planning on getting the 10 yr mortgage, paying it off in about 4 years and then taking out a home equity loan and paying them off. My dad said that I should either put down less and pay down the student loans even though it doesn't pay them off or take out equity as I go and pay them down. My hesitation to do this is that my payment on the student loans won't go down just because I owe less, but with a HEL, I will be paying more for the time being (mtg + HEL+ student loans at the same time). It's still doable, but I'd rather not be paying more than I have to. So my question is this: if I pay down as I go, will my student loans skip ahead so that I'm paying a higher percentage of my payment to the principle than interest? Or is the percentage of principle vs. interest determined by time rather than how much you owe? What do you think the best strategy for paying off these loans quickly and for the least amount of money? ************************************* Private student loans: they were offered for a short time while lenders were lending money like crazy and they're not federal loans, so they don't have the low interest rates. The interest rates on private student loans are variable, currently at about 9%, but it's been as high as 11.5%. No one is offering them anymore so you can't refinance them, lock in a rate, file for bankruptcy, or in any way alter the loan terms. No matter what, the loans will be at that rate and you can't get rid of them. If our credit scores go down or we don't pay on time or whatever, the rates can go up to whatever they want. So as you can imagine we are dying to pay these off and get them out of our lives.

1. Ordered all federal agencies to undertake a study and make recommendations for ways to cut spending 2. Ordered a review of all federal operations to identify and cut wasteful spending and practices 3. Instituted enforcement for equal pay for women 4. Beginning the withdrawal of US troops from Iraq 5. Families of fallen soldiers have expenses covered to be on hand when the body arrives at Dover AFB 6. Ended media blackout on war casualties; reporting full information 7. Ended media blackout on covering the return of fallen soldiers to Dover AFB; the media is now permitted to do so pending adherence to respectful rules and approval of fallen soldier’s family 8. The White House and federal government are respecting the Freedom of Information Act 9. Instructed all federal agencies to promote openness and transparency as much as possible 10. Limits on lobbyist’s access to the White House 11. Limits on White House aides working for lobbyists after their tenure in the administration 12. Ended the previous stop-loss policy that kept soldiers in Iraq/Afghanistan longer than their enlistment date 13. Phasing out the expensive F-22 war plane and other outdated weapons systems, which weren’t even used or needed in Iraq/Afghanistan 14. Removed restrictions on embryonic stem-cell research 15. Federal support for stem-cell and new biomedical research 16. New federal funding for science and research labs 17. States are permitted to enact federal fuel efficiency standards above federal standards 18. Increased infrastructure spending (roads, bridges, power plants) after years of neglect 19. Funds for high-speed, broadband Internet access to K-12 schools 20. New funds for school construction 22. US Auto industry rescue plan 23. Housing rescue plan 24. $789 billion economic stimulus plan 25. The public can meet with federal housing insurers to refinance (the new plan can be completed in one day) a mortgage if they are having trouble paying 26. US financial and banking rescue plan 27. The secret detention facilities in Eastern Europe and elsewhere are being closed 28. Ended the previous policy; the US now has a no torture policy and is in compliance with the Geneva Convention standards 29. Better body armor is now being provided to our troops 30. The missile defense program is being cut by $1.4 billion in 2010 31. Restarted the nuclear nonproliferation talks and building back up the nuclear inspection infrastructure/protocols 32. Reengaged in the treaties/agreements to protect the Antarctic 33. Reengaged in the agreements/talks on global warming and greenhouse gas emissions 34. Visited more countries and met with more world leaders than any president in his first six months in office 35. Successful release of US captain held by Somali pirates; authorized the SEALS to do their job 36. US Navy increasing patrols off Somali coast 37. Attractive tax write-offs for those who buy hybrid automobiles 38. Cash for clunkers program offers vouchers to trade in fuel inefficient, polluting old cars for new cars; stimulated auto sales 39. Announced plans to purchase fuel efficient American-made fleet for the federal government 40. Expanded the SCHIP program to cover health care for 4 million more children 41. Signed national service legislation; expanded national youth service program 42. Instituted a new policy on Cuba , allowing Cuban families to return home to visit loved ones 43. Ended the previous policy of not regulating and labeling carbon dioxide emissions 44. Expanding vaccination programs 45. Immediate and efficient response to the floods in North Dakota and other natural disasters 46. Closed some offshore tax safe havens 47. Negotiated deal with Swiss banks to permit US government to gain access to records of tax evaders and criminals 48. Ended the previous policy of offering tax benefits to corporations who outsource American jobs; the new policy is to promote in-sourcing to bring jobs back 49.. Ended the previous practice of protecting credit card companies; in place of it are new consumer protections from credit card industry’s predatory practices 50. Energy producing plants must begin preparing to produce 15% of their energy from renewable sources 51. Lower drug costs for seniors 52. Ended the previous practice of forbidding Medicare from negotiating with drug manufacturers for cheaper drugs; the federal government is now realizing hundreds of millions in savings 53. Increasing pay and benefits for military personnel 54. Improved housing for military personnel 55. Initiating a new policy to promote federal hiring of military spouses 56. Improved conditions at Walter Reed Military Hospital and other military hospitals 57. Increasing student loans 58. Increasing opportunities in AmeriCorps program 59. Sent envoys to Middle East and other parts of the world that had been neglected for years; reengaging in multilateral and bilateral talks and diplomacy 60. Established a 60. Established a new cyber security office 61. Beginning the process of reforming and restructuring the military 20 years after the Cold War to a more modern fighting force; this includes new procurement policies, increasing size of military, new technology and cyber units and operations, etc. 62. Ended previous policy of awarding no-bid defense contracts 63. Ordered a review of hurricane and natural disaster preparedness 64. Established a National Performance Officer charged with saving the federal government money and making federal operations more efficient 65. Students struggling to make college loan payments can have their loans refinanced 66. Improving benefits for veterans 67. Many more press conferences and town halls and much more media access than previous administration 68. Instituted a new focus on mortgage fraud 69. The FDA is now regulating tobacco 70. Ended previous policy of cutting the FDA and circumventing FDA rules71. Ended previous practice of having White House aides rewrite scientific and environmental rules, regulations, and reports 72. Authorized discussions with North Korea and private mission by Pres. Bill Clinton to secure the release of two Americans held in prisons 73. Authorized discussions with Myanmar and mission by Sen. Jim Web to secure the release of an American held captive 74. Making more loans available to small businesses 75. Established independent commission to make recommendations on slowing the costs of Medicare 76. Appointment of first Latina to the Supreme Court 77. Authorized construction/opening of additional health centers to care for veterans 78. Limited salaries of senior White House aides; cut to $100,000 79. Renewed loan guarantees for Israel 80. Changed the failing/status quo military command in Afghanistan 81. Deployed additional troops to Afghanistan82. New Afghan War policy that limits aerial bombing and prioritizes aid, development of infrastructure, diplomacy, and good government practices by Afghans 83. Announced the long-term development of a national energy grid with renewable sources and cleaner, efficient energy production 84. Returned money authorized for refurbishment of White House offices and private living quarters 85. Paid for redecoration of White House living quarters out of his own pocket 86. Held first Seder in White House 87. Attempting to reform the nation’s healthcare system which is the most expensive in the world yet leaves almost 50 million without health insurance and millions more under insured 88. Has put the ball in play for comprehensive immigration reform 89. Has announced his intention to push for energy reform 90. Has announced his intention to push for education reform 91. Has introduced comprehensive Wall Street reform

I have a current home mortgage, Terms; 30 year 5.25 rate 99,000 left to pay. I have a home equity loan, Terms; 10 year 5.5 rate 39,000 left to pay. Should I roll both loans into a 30 year 4.5 rate to lower my monthly payments or leave it the wat it is?Thank you for your answers. I just refinanced last year for free to get the lower rate so I'm at 30years. The equity loan I payed off two years was 45,000. I was planning to take a 150,000 loan at the 4.5 rate through my credit union to also pay down some credit card debit, about 6,000.

I called my 10 year old warranty company who is going to come out and look at my home. I spoke to more than one person on the phone and they keep on saying only the structure or supporting part is covered by insurance as required by the State of New Jersey. This home has a sump pump and yet the new carpeting in the basement smelled like mildew so now I am wondering if the sump pump really works. This mildew scent did happen after an extremely large amount of rain last year 2009. The person I purchased this home from actually refinanced this home while he was going through a divorce and he got $585,000 when he refinanced the home and his x-wife got $55,000 at closing. She was so afraid of him that she would have given him anything and she did but thought it was to pay off his credit cards but who would give anyone $585,000 worth of credit to someone who makes $100,000 a year and has 3 children and a $3,000 mortgage. I believe he would cheat his Mother, Father, Brother and his new wife and his biological children. Please advise me if there is anything I can do about this. I am worried that the sump pump doesn't work and we were not advised of it which in turn caused the mildew scent. The real estate man didn't try to convince me into have the home inspected and almost seemed to accept the idea willingly. I did ask the wife if there were any problems and she said no. This genius wife turned out to be a real air head when it came to problems as there were many problems like the rain pipes are off on the outside, the fence is too high and our dog can go under it and after we closed the wife gave us two fences that we could use because the fence was two high and our dog could go under it; didn't she consider this a defect. The real estate agent told me he was the one that found a new microwave and he had the nerve not to get the more expensive one that cooks two ways that was in the home when I purchased it but he purchased a cheaper one that is only a microwave. There were 2 doors, one to the garage and one to the laundry room were almost broken into by the husband and it messed up the doors on one side, there is a broken window in the garage and the shade is missing as there are two windows and the other one has the glass and shade, the shower upstairs leaks, the sump pump may not work, screen is missing on the sliding glass door as a neighbor walked through it and it was thrown away. All of these items and many more I cannot remember would have been addressed by the inspector if the real estate told me to get one but he didn't try to convince me. The real estate man gave the seller back $17,000 because we knew these people and the real estate man considered him as the finder. The real estate man never told us that we should have another real estate man handling our property and I am pretty upset with what he did for us which was taking a chance for us to have ended up with problems. Another thing the real estate man did was scare us into closing and told us the seller would definitely sue us if we didn't close that day. He said we would end up losing our down payment which was 20% on a $800,000 home. Would we really lose the down payment if all of the above mentioned things were wrong with the home and the real estate man called it like new. Everything I found when I did the walk through was made light of by the real estate person. He called the seller about one or two items and the seller said no so the real estate man told us again he is going to sue you if you do not close. We were really scared that we were going to lose 20 per cent of the cost of the home and wouldn't be able to buy another. Now I have a real expensive home with a mildew scent in the finished basement because possibly the sump pump which is very large might be broken. Please I am begging for advise as I am hoping you can help me do what I should do to at least recover enough to fix the problems. A friend told me to sue the real estate man for forcing us to close when we were walking out by scaring us that the seller would sue and the only reason we didn't want to close because more problems were made in the home after we put the down payment on it. This home was the first one we purchased and my husband was overseas at the time. The real estate person called it as new and then at the closing I was upset that the above mentioned things were wrong and he thought all of the items that needed taking care of was minor. It wasn't minor and they still exist. I am more than angry about the sump pump and the mildew scent in the basement. Any advise would be appreciated greatly.

We have a primary mortgage of 201,000 USD at 6.125% 5 year arm with 1.5 year left on the terms. We have a secondary mortgage of 39,000 USD at 4.125% variable interest rate. The house value is estimated at 211,000 USD. We have about 40,000 USD in our checking account and no savings. I will be going to school for a Physical Therapy program. My tuition fee for 3 years will be 40,000 USD. I am getting a fedral direct unsubsized loan at 6.8% with upto 10,000 USD disbursed each time starting this fall. My husband has a steady job and makes around 100,000 USD. How should we best manage our finances??? 1) Should we save the 40000 USD for my tuition and not take any of the 6.8% education loan? We will try to refinance to whatever best rate we can get under the Home Affordable Refinance program 2) Should we pay off the secondary mortgage with our checking account balance and refinance the primary mortgage 201,000 USD loan to a 30 year fixed 4.3%. This means we’ll have to take the 6.8% education loan atleast for the first 2 years (around 25000) and hopefully we’ll saved 15000 USD by the time its 3 year to pay off the remaing education tuition ? What do you think? Sincerely, JP

Five years ago you borrowed $100,000 to finance the purchase of a $120,000 home. The interest rate on the old mortgage loan is 10 percent. Payments are being made monthly to amortize the loan over 30 years. You have found another lender who will refinance the current outstanding loan balance at 8 percent with monthly payments for 30 years. The new lender will charge two discount points on the loan. Other refinancing costs will equal $3,000. There are no prepayment penalties associated with either loan. You feel the appropriate opportunity cost to apply to this refinancing decision is 8 percent. a. What is the payment on the old loan? b. What is the current loan balance on the old loan (five years after origination)? c. What would be the monthly payment on the new loan? d. Should you refinance today if the new loan is expected to be outstanding for five years...calculations

I don’t know a lot about mortgages, and I was hoping someone who did could help. I have currently a 30 year fixed at 6.25% that I got 2 years ago. It was an FHA as it was a starter home and we only had a little over 10% to put down. Now we are thinking of refinancing. A friend referred me to his mortgage broker who said we could do a FHA streamline and get a 30 year fixed at 5.00% with no closing costs. He said basically we are taking .25% higher rate than we could get with closing costs, but nothing would be rolled into the mortgage. All we would need is the money for the escrow while waiting for the refund from our current escrow. There are 2 things that are bothering me and I don’t know if I am being paranoid. First question we got a letter from the bank with our payoff balance, saying it would be 191k, which made sense it was a our principal plus basically one months interest. I emailed the brokers assistant to confirm this would be our new balance. The broker himself wrote back yes this would be our base loan. But I saw he was replying off a question from his assistant who said “I didn’t know how to respond to the question about $191K loan amount-we have it at roughly $195K with the 1003 showing roughly $4k to close.” But the broker said our loan amount isn’t increasing. We are suppose to close on Monday and I am worried I am missing something and upping my loan by about by 4k. My second question is our interest rate on 191k is dropping 1.25%. If you take 191,000.00 times .0125 and divide by 12 I get we should be saving about $200.00 a month, I realize this is a rough calculation. The broker has our mortgage payment decreasing only by about $150.00 a month. It doesn’t seem like it should be $50.00 off.

I'm looking at purchasing a house for 400K. The 30 yr fixed is like 5.25 but the 5/1 arm is like 3.6. I have excellent credit and i am getting the house at a price that is already lower than the market value. If I plan of refinancing in 5 years, is the ARM safe? I also don't know if I will live in the house for more than 8-10 years...

First, the house in question was our primary residence for over 7 years. After a job loss in 2008 we could not afford to keep up payments on our 2 mortgages (p.s. 90% of all money “earned” from refinancing and the 2nd mortgage went into home improvements – added bathroom, remodeled kitchen, etc – We still have receipts, but I don’t know if that will help). We filed bankruptcy in 2009 but still couldn’t fully afford both mortgages and with a job offer in another state with cheaper cost of living, our only option was to rent out our home and we moved to another state. (p.s. we tried to sell our home in 2008 before the job loss & it was on the market for 6 months with NO offers and in 2009 the market sucked even worse, so selling wasn’t an option). [Hindsight is 20/20 and we really should have done a short sale in 2009 while it was still our primary residence, but we were too emotionally attached after living there 7 years and all the hard work on improvements… of course now that we haven’t lived there in 10 months we are far more detached and just want to be rid of these mortgage payments but have screwed ourselves out of all the programs available to help because it’s no longer our primary residence] The home/mortgage in question is still the only property we own. We are currently renting where we live now. Also, our mortgages were included as part of our bankruptcy – not that they were discharged (obviously), but our lawyer told us that if we decided to stop paying for the mortgages that we could “walk away” and that our lender (GMAC) would not be able to “come after us” for any money. I believe that the mortgages in question are referred to as “not reaffirmed” post-bankruptcy. Now I know bankruptcy is state specific – that you must file in the state where you live and therefore you have to follow their guidelines, income allowance can vary, etc. Would this also affect our “protection” from financial recourse for walking away from our mortgages if we now live in another state and the home in question is no longer our primary residence? And not only do we not live there, it is now a rental property – can we still “walk away”? (by the way, we can definitely prolong the beginning of foreclosure until our tenant’s lease is up and don’t plan on affecting them other than telling them they can’t renew the lease. Even if they wanted to stay, they pay only $1350/month but we owe $1850/month which is why we can’t keep this up… and we can’t get find a renter who would pay that much) So I saw a previous Question/Answer that said for foreclosure on rental property you take what you owe still on your mortgage(s) and subtract Fair Market Value. For us, that’s about $159,999 minus $150,000 which means $9,999 would be considered taxable “profit”!? I don’t know about you, but times are tight and come tax time I don’t know if we can afford to pay taxes on $9999 we didn’t really earn! What if I let our tenants leave when their lease is up (they’d be gone as of Oct 1, 2010) and we make sure to keep up enough with the 1st and 2nd mortgage so that the foreclosure process wouldn’t start until November 2010… At that point the house would no longer be a rental and would be vacant – then can I avoid the taxable profit? Or no matter if it is empty and unadvertised, because we *did* have tenants at one point, it would still legally be considered a rental?? How can we get out of this with the least financial recourse?!?! Please help!

10 years ago my ex husband signed a quick deed of our home over to me which was filed with the Clerk of Court. The mortgage loan however is still in his name. He has since remarried and is wishing to purchase a home, but is having difficulties because of this loan. My question is, since I am unable to refinance the home back into my name does he have any legal recourse? Can he take the property back or force me to sell?

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Q: I am looking to buy my first home, but my credit score isn’t good and there is negative information on my credit report. I’ve made some errors in judgment. How can I increase my credit status to the point where I can purchase my first home?

JACKSON, MS (WLBT) - Mortgage buyer Freddie Mac reported Thursday that rates have once again struck an all-time low, dropping 10 times in the past 11 weeks.

The 23,900-square-foot Wilmington mansion that once belonged to credit-card banker Charlie Cawley has devolved into a high-profile symbol of the housing bubble.

Ireland's debt is accumulating.

Q: My wife and I purchased a house in Florida last April. This past weekend we received a letter and an invoice from the law office that acted as the parties' closing agent, informing us that we owed fees for "additional endorsements requested by the lender after the closing."

The real estate and foreclosure crisis has stripped African-American families of more wealth than any single event in history. The American middle class has been hammered over the last several decades. The black middle class has suffered to an even greater degree.

Here's how lawmakers can help the mortgage industry evolve.

ZANESVILLE -- Applications for refinancing home loans, bolstered by some of the lowest borrowing costs in 20 years, are up for the fifth straight week nationally, according to a weekly survey conducted by the Mortgage Bankers Association.

The number of mortgage applications in the U.S. increased for a fifth consecutive week as record-low borrowing costs lifted refinancing.

Government-backed U.S. mortgage bonds underperformed Treasuries in August amid concern federal intervention will spark a refinancing wave