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Tax Break Fight Looms for Potential Home Buyers

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Tax Break Fight Looms for Potential Home Buyers When Congress passed an $8,000 tax credit for first-time home buyers last winter, it was intended as a dose of shock therapy during a crisis. Now the question is becoming whether the housing market can function without it. As many as 40 percent of all home buyers […]

What is LTV (Loan to Value)?

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What is LTV (Loan to Value)? In essence, the LTV is a ratio of loan-to-value used by mortgage lenders to evaluate the risk associated with approving a mortgage loan. When trying to determine the LTV of a home on a purchase transaction, simply divide the size of the mortgage loan by the lower of an […]

Reverse Mortgage for Purchase

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Reverse Mortgage for Purchase Imagine a mortgage that pays you, instead of the other way around. Questions or comments about this video on Reverse Mortgages? Use the comment link below and we’ll get back to you with answers. Remember, your email address, though needed to post a comment or question, is never published on our […]

Mortgage Meltdown: The Risks of Walking Away

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Mortgage Meltdown: The Risks of Walking Away Can you simply walk away from your upside down mortgage without any ramifications to your credit? Money Talks editor Stacy Johnson advises, “Think before you make that move…” Questions or comments about this article or the video? We’d love to hear from you. Just use the comment link […]

Home Buying: When Hesitating Costs You $8000

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Home Buying: When Hesitating Costs You $8000 The first-time home buyer tax credit ends November 30th, 2009. Sounds like you still have some time right? Not really. In fact, you need to start looking for a house NOW just to ensure you won’t miss the deadline and pay $8,000 more, and even starting to look […]

Understanding Interest-Only and Reverse Mortgages

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Understanding Interest-Only and Reverse Mortgages Presently, there are around 6,000,000 home owners who have an interest only mortgage. This kind of mortgage implies that the standard payments you make are just taking off the amount of interest the mortgage amasses. The capitol you borrowed must be paid back when the mortgage has run its term. […]

Borrowing Without Bankers

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Borrowing Without Bankers Websites like Prosper.com allow you to skip the bank and get a loan from an individual willing to lending, but as Stacy Johnson points out in this video, it’s not borrowing without a middle man. Questions or comments about this video on Borrowing without Bankers? Use the comment link below. Your email […]

Foreign Buyers Avoiding U.S. Homes

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Foreign Buyers Avoiding U.S. Homes Despite record U.S. home price affordability, international buyers have been unable to take advantage because of the worldwide recession and credit crunch. According to a report from the National Association of Realtors (NAR), home sales to foreign clients dropped 9.4% in the year ended in May to 154,000. Among international […]

Home Warranties: Worth It?

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Home Warranties: Worth It? Just about everything you buy comes with some kind of warranty. And that could include your house. Are home warranties worth the money? Questions or comments about home warranties? Use the comment link below to contact us about them. We’ll get answers for you and respond back here. We’d love to […]