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Debt Consolidation for People With Bad Credit

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Debt consolidation is getting more popular as more people are struggling with finances. If you want to get onboard, but you have bad credit, there may be some help available. Finance companies are under pressure to find new ways to get customers. Early in 2011, at least two of them, Wells Fargo and Citibank, announced […]

U.S. Home Prices Fall to Pre-Bubble Levels

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The drop in home values caused by the mortgage crisis has resulted in at least one positive outcome: Prices have fallen so far and so fast that home affordability is back to pre-housing boom levels, according to a new report. After reaching a peak in late 2005, the ratio of home prices to annual income […]

Tips to Improve Your Home Sale Chances

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Selling your home this spring? Here are a few tips to improve your chances of a sale. HomeGain.com recently surveyed nearly 1,000 real estate agents, asking them to identify the top 12 do-it-yourself home improvements that can help sell a home faster. Cleaning and de-cluttering ranked as highest return on investment, no doubt in part […]

Have Interest Rates on Mortgages Hit Rock Bottom?

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The interest rates on mortgage loans have been moving in a downward direction for the past few years. Recently, the rates even fell below the five percent mark, coming in at about 4.92 percent on average for a 30-year fixed rate loan. This leaves many financial experts and consumers alike wondering if the interest rates […]

Home Prices Ended 2010 Showing No Change

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Two separate industry gauges released recently indicate that despite the ups and downs seen in monthly reports on home prices over the last year, residential property values ended 2010 relatively unchanged from 2009 levels. Reports from both Integrated Asset Services (IAS) and CoreLogic point to level ground over the 12-month period, although consecutive month-to-month declines […]

Nearly 30% of Mortgages Are Underwater

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Home prices dropped 2.6% nationwide during the last three months of 2010, pushing more borrowers underwater, according to a quarterly real estate market survey from Zillow.com. Now 27% of homeowners with mortgages owe more than their homes are worth. That’s up from 23.2% a quarter earlier. That will surely lead to higher foreclosure rates soon. […]

Are 30% Down Mortgages In Our Future?

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The top mortgage lender in the country, Wells Fargo, has called for borrowers to come up with 30% down if they want to avoid higher mortgage rates and more restrictive lending tied to the “risk retention” requirements related to the Dodd‐Frank Wall Street Reform and Consumer Protection Act of 2010. Essentially, the government wants to […]