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More Evidence of a Bottom in Housing

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More Evidence of a Bottom in Housing According to recently released data, U.S. housing starts have risen 30% from their all-time low in April '09. In addition, building permits increased 38% over the same period. And not surprisingly, the Bloomberg index of home builders' stocks bottomed last July and has since risen over 50%. The […]

How Foreclosure Affects Your Credit Score

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How Foreclosure Affects Your Credit Score If you’re delinquent on your mortgage, your credit score will suffer. Everyone knows that. The question is, by how much? Recently, Fair Isaac, which developed FICO scores, pulled back the curtain a bit, revealing some estimates of point-score declines following mortgage delinquency problems. Here are the average hits your […]

Lower Home Appraisals Will Help Some, Hurt Others

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Lower Home Appraisals Will Help Some, Hurt Others Those who get hurt by lower appraisals are the sellers, who become underwater or even more than 25% underwater, which appears to be the threshold for mortgage mitigation programs. The lower the appraised value, the less likely a servicer will be willing to offer a Short Sale […]

Making Sacrifices in a Tough Economy

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Making Sacrifices in a Tough Economy More than two thirds of Americans who’ve been unable to sell their home and buy one better fitting their needs have cut back on household expenses such as food, entertainment and clothing in order to pay their mortgage. Homeowners who have fallen on financial hard times have made other […]

Lay Your Financial Base Before Buying a Home

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Lay Your Financial Base Before Buying a Home Buying a home is a major investment and you must be well-prepared, as many Americans have learned the hard way. This means laying the proper foundation, then buying a house you can comfortably afford. You lay the foundation by creating a solid risk management program. It should […]

Taxes: Your Odds of an Audit

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Taxes: Your Odds of an Audit Now that everyone (except late filers) have filed their taxes for 2009, you may be wondering what your odds are of getting audited for the return you just filed. Stacy Johnson explains… Questions or comments? We’d love to hear from you. Just use the comment link below and tell […]