The People of the State of California Are About to Officially Go Crazy Wizbang (blog)
Here is some of the language below from a ballot proposal in California called the “Foreclosure Modification Act,” scheduled to go on the November 2012 ballot if supporters get the required minimum 800,000 voter signatures. It was approved in late July by the California attorney general for signature collection. Makes home ownership a fundamental right for every Californian. Prohibits lenders from foreclosing on any California citizen’s personal home. Requires lenders to assist California borrowers not making payments on home loans due to financial hardship or illness. Requires lenders to reduce mortgage principal to reflect any drop in local property value of more than 10 percent, and to reschedule payments, reduce interest rates, and/or refinance without new credit review. Requires lenders to refinance home loans at a minimum cost within 45 days of request if loan has been maintained for three years. Provides back property tax assistance to homeowners from local
Cash Out Refinance vs. Rate and Term Refinance
It’s time for another mortgage match-up, though this installment is more about distinction than rivalry. If you’re in the market to refinance your current mortgage rate, you’ll most likely be asked if you want any “cash out.” This is similar to how you’re asked if you “want fries with that” at the drive-thru window. Loan [...]
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How Banks Are Worsening the Foreclosure Crisis - Midas Letter How Banks Are Worsening the Foreclosure Crisis Home prices will go up, and you can refinance at a lower rate,' " Kelete recalls. He regrets signing a mortgage he couldn't afford—a mistake many people |
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Currencies 2009: Policies of INSOLVENCY, aka Falling Dominoes! - The Market Oracle Currencies 2009: Policies of INSOLVENCY, aka Falling Dominoes! Over the weekend, the IMF admitted the G7 is in a depression; politically incorrect language, but true. It is IMPOSSIBLE for me to describe how fast things |