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Mortgages Made Simple

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Top 10 Things You Don't Want To Hear The Head of the Federal Reserve Say - October 26, 2008
We never thought we would miss Alan Greenspan, even if you disagreed with his policies at least he knew how to use words carefully, until recently. After listening to the economic speak of the last few weeks we thought it was only appropriate to create this tribute to our current Fed Head.Top 10 Things You Don't Want To Hear The Head of the Federal Reserve Say:10. The systemic risk of the financial system is greatly exacerbated by how many big words I can use to confuse the public9. If I follo...

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[ Sun, 26 Oct 2008 14:03:33 -0500 ]


Loan Officer Fraud and Greed - October 23, 2008
While most people point all the fingers at Wall Street for the current mortgage mess a lot of the blame should go towards the individual loan officers. Whether it be that they over-stated a borrower's income or pushed the borrower into a bad loan so the loan officer would make more money, the loan officers need to be regulated better.I have had many different ideas on how to regulate loan officers, but it comes down to the borrower level. A borrower has to ask the loan officer they're working ...

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[ Thu, 23 Oct 2008 09:31:04 -0500 ]


Europe Begins Bailing - October 16, 2008
The Bailing just keeps going. This week Europe announced a $2.3 trillion bailout bill dwarfing ours in America.On this podcast we discuss Europe's actions and we give a description of liquidity.One of our loyal subscribers, Mad Marv, asked me to give a better definition of liquidity for the layperson. I tend to go fast on some economic terms so I appreciate any comments like this, because our goal is to help everyone understand their mortgage and the economy in general.Listen to "Europe Begins...

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[ Fri, 17 Oct 2008 01:20:19 -0500 ]


The Bailout and You - October 9, 2008
The Housing bailout bill has been making headlines day after day. On this week's podcast we discuss some of the questions that many people are asking. How will government make money from toxic debt, can the government value these loans correctly, how can we afford it and many others.This is a complicated and ongoing economic situation that we will continue to discuss to help you understand it. Please be sure to send us your questions so we can help others with your insight.Listen to "The Bail...

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[ Thu, 09 Oct 2008 09:14:00 -0500 ]


Mortgage Meltdown Seminar Recap - September 18, 2008
On September 13th, 2008 I was honored to be a speaker at the Mortgage Meltdown Seminar hosted by the Crenshaw Christian Center in Los Angeles. I learned a lot about what's still happening to borrowers by unscrupulous loan officers, met a lot of great people and hopefully was able to help some people out.This show gives a brief rundown of some items you should be aware of for yourself and your friends.Listen to "Mortgage Meltdown Seminar Recap"If you have any questions you would like us to answ...

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[ Sat, 20 Sep 2008 14:36:19 -0500 ]


Fannie Mae and Freddie Mac Bailed Out - September 11, 2008
Fannie Mae and Freddie Mac were bailed out by the U.S. Government this week. What does it mean to you? Not much on the surface, but you will see interest rates on mortgages drop. Rates already fell about 1/2% but we likely will see a little more of a drop.The plan to bail them out involves 4 steps. 1. Buy peferred shares to increase their liquidity, 2. Provide a secured lending facility, 3. Decrease their portfolio size beginning in 2010 and 4. buy mortgage backed securities. Of these 4 dt...

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[ Thu, 11 Sep 2008 09:00:00 -0500 ]


How to Survive The Mortgage Meltdown
Come join me on September 13, 2008 at the How to Survive The Mortgage Meltdown town hall meeting. It starts at 10am and will last until 2pm. I will be a panelist along with other noteworthy real estate industry professionals.A lite lunch wll be served at 12pm. Where: Crenshaw Christian Center 7901 S. Vermont Ave Los Angeles, CA 90044When: September 13, 2008, 10:00AMRSVP by callng (323) 758-3777 x4125Click here to see flyerhttp://www.text-link-ads.com/xml_blogger.php?inventory_key...

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[ Fri, 05 Sep 2008 12:25:01 -0500 ]


FHA Loans, The 3 best reasons - September 4, 2008
FHA loans have increased in popularity due to their availability and 3 main reasons. 1. Gift Funds, 2. Non occupying co-borrowers and 3. Slightly blemished credit historyFHA Loans allow the above 3 factors to be present on a loan. Now please keep in mind you can't have awful credit, but FHA guidelines allow slightly tarnished credit if you've been a good payor over the last 12 months. Listen to this week's podcast for more details.Listen to "FHA Loans, The 3 best reasons"If you have any questi...

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[ Thu, 04 Sep 2008 08:51:00 -0500 ]


Housing Relief Bill, Will it help You - August 28, 2008
We get a ton of questions every week regarding the Housing Relief Bill. This latest economic stimulus type Bill which passes the Senate has the following three goals: 1. Help distressed homeowners, 2. Tax credit for First time homebuyers and 3. Permanently increase Fannie Mae loan limits to $625,000. The most shocking provision of the Bill requires lenders to reduce a borrower's loan balance to 90% of the home's appraised value. The distressed borrower will then be able to refinance to an FHA ...

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[ Thu, 28 Aug 2008 22:57:19 -0500 ]


Mortgage Payments and Stated Income Loans - July 24, 2008
Will the Housing relief bill help? This week we answer a listener's question whether or not the new housing bill will help him. We also had another listener ask us why he just can't seem to get a loan to buy a house. He has perfect credit, makes good money, and is putting in a big down payment. But he is self employed and his income is seasonal, high in the summer and low in the winter. He is a perfect candidate for a stated income loan. However, those loans do not exist anymore. Listen ...

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[ Thu, 24 Jul 2008 09:14:00 -0500 ]


Indymac, Fannie, Freddie and You - July 17, 2008
This week brought the collapse of Indymac Bank. Their collapse wreaked havoc in the financial markets, but it can have a greater effect on individual depositor's stress levels. This could be witnessed in the unnecessary bank run on Indymac this week. Many people do not realize they should not keep more than $100,000 in any bank. Insurance only covers up to $100,000 in deposits, any amount over that is negotiable to as low as 50 cents on the dollar. But for those who have a smaller amount on de...

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[ Sun, 20 Jul 2008 17:25:33 -0500 ]


Low Rates versus Low Prices - July 3, 2008
This week we help out a listener who couldn't get a straight answer to a simple question.....Is it better to buy when interest rates are low or house prices are low? Our listener asked several people, but unfortunately, this industry is still full of inexperienced people who don't know a 30 year T-bond from a Fannie MBS. Fortunately we want you to be armed with knowledge so you get the best loan possible. We answer this question in depth and take a quick step on the soapbox about the real est...

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[ Thu, 03 Jul 2008 09:31:00 -0500 ]


FHA Loans, 2nd Homes and Rental Homes - June 26, 2008
FHA loans can be the greatest thing since sliced bread for some people. A buyer can receive gift funds, use a non-occupying co-borrower and put less money down than on your typical home loan. These are great loans for 1st time homebuyers or just about anyone who needs a little extra push to buy a home. We also answer a listener's question regarding the difference between a 2nd home and an investment property. There are different qualifications, interest rates and a few other things we discuss...

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[ Thu, 26 Jun 2008 10:19:20 -0500 ]


Housing Equity and Short Sales - June 19, 2008
The Federal Reserve released their latest report on Housing prices across the country. It reported homeowners have lost a combined $880 billion over the last 12 months. But it's not as bad as it sounds, we'll tell you why.We also answer a listener's question regarding Short Sales. We explain how they work and why you need patience if you're involved in one. Listen to "Housing Equity and Short Sales"If you have any questions you would like us to answer on our show, please call our listener li...

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[ Thu, 19 Jun 2008 10:27:36 -0500 ]


Recessions and Housing Prices - June 12, 2008
Are we in a Recession??? Technically no, but a lot of people feel like they are. With gas prices up and housing prices down, psychologically people feel poorer. So this tends to create a slow down in consumer spending. A full blown recession does not appear likely, but a commentator I like to read, John Mauldin, prefers to call it a "muddle through economy." By this he means we will meander our way through a period of no meaningful growth in the economy. This isn't good by any means, but n...

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[ Thu, 12 Jun 2008 09:34:00 -0500 ]


Credit Reports and REO's - June 5, 2008
When you're getting ready to buy a new home, what's the first thing you think of......? Your credit report is correct. Three or four months before you begin shopping for a home you should get a copy of your credit report. This will help you save time in the long run for two reasons. First you will know exactly how your credit looks and second you will have plenty of time to fix any errors or information you didn't expect to find on your credit report. And if there are any errors you can sta...

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[ Thu, 05 Jun 2008 10:05:25 -0500 ]


Appraisals, Upgrades and Renovations - May 29, 2008
When you add a room to your house or put in a fancy backyard pool, does it help your home go up in value? And can you buy a home for more than it appraises for?On this show we give you insight as to what helps your home's value most in terms of bang for the buck, a new kitchen or a new pool. And we explain why some upgrades just don't create much value. Also, can you buy a home for more than it is worth? You can, but the obvious question is, why would you? We explain this recent, much more c...

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[ Sat, 31 May 2008 12:49:56 -0500 ]


Housing prices bottoming - May 22, 2008
This week we answer 3 listener questions. Have Housing Prices bottomed?, are Home Auctions worth my time to attend? and is a bank owned owned home easy to buy? We present some compelling reasons to believe that housing prices have reached bottom. Looking back at past housing market bottoms gives us a good idea what might happen this time.Home auctions are heavily advertised, but can you get a deal, or will a cash rich investor grab your dream home from you? Many people advertise seminars whic...

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[ Mon, 26 May 2008 18:49:39 -0500 ]


Economic Stimulus Package, Where's the stimulus and Quit Claim Deeds - Mar 16, 2008
The Economic Stimulus package announced in March of this year has had little to no effect on the mortgage market. The first problem was many lenders didn't start offering it until this week, almost 2 months after it was made available. Secondly, the interest rates were high, and thirdly, nobody really knew about it. So, I'm here to tell you, That's all changed. Most lenders now offer the loan up to $729,750 and the rates are great. So get out there, buy a home and stimulate the economy.Also,...

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[ Fri, 16 May 2008 23:39:24 -0500 ]


The Fed Lowers Rates, What Does it mean to me? - May 9, 2008
The Fed lowered interest rates .25% last week. What does this do for you? Unfortunately a lot of people, the media included, often think this means mortgage rates drop immediately. Usually the opposite is true. Mortgage rates will jump up then slowly settle down in a couple weeks. In this episode we discuss the Fed, give you more information about how they affect the economy then you would ever care to know and plead for your questions. We know you have questions so call our listener line ...

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[ Fri, 09 May 2008 11:22:28 -0500 ]


Buying a Home, is Now the right time? - May 4, 2008
Is this the right time to buy a home? It might just be. Homebuilders are still building, the economy is slow but still humming along and homes are more affordable now due to the drop in values. It is a big step to take, but with 'REPO' Buses running around, the current low may be at hand. Outlying areas of California have declined in price as much as 48% with the national average home price declining almost 20%. The last big decline in home values in 1991 saw home values decline 20% as well...

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[ Sat, 03 May 2008 01:02:42 -0500 ]


Loan Modifications, Do they really happen - April 25, 2008
Loan Modifications have become a hot topic lately due to the subprime crisis, but are they the proverbial leprechaun with a pot of gold, or that elusive shooting star? We actually know two people that were offered incredible loan modifications from their lender. The interesting thing in both cases was neither were subprime borrowers and both were contacted by their lender. And one was our Co-host/producer. We'll tell you their stories and....If you're not feeling so lucky, you can contact yo...

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[ Fri, 25 Apr 2008 01:41:58 -0500 ]


Junk Fees - What are all these loan fees?- March 30, 2008
A mortgage can be very expensive, on this edition we discussJunk Fees. What are these unnecessary fees and how do you avoid them on your home loan. You can save hundreds of dollars if you see one of these fees on your loan paperwork and simply ask your loan officer to remove it. Junk fees, Garbage fees, whatever they call them, they're not needed.Also we answer a listener's question about escrow impound accounts. Then we give a quick definition of equity.Listen to Junk Fees - Fees to watch ...

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[ Sat, 29 Mar 2008 19:05:57 -0500 ]


Fannie Mae Loan Limits increased to $729,750 - February 10, 2008
The Economic Stimulus bill passsed with one of the benefits being Fannie Mae Loan Limits being increased to $729,750. It also increases Freddie Mac Loan Limits to $729,750 and it certain high cost areas FHA loan limits are being increased to $729,750. This should create a fresh round of refinancing by homeowners who currently have jumbo loans from $417,000 to $725,000. They will be able to lower their payments significantly. In addition people waiting on the sidelines to buy a home can now co...

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[ Sun, 10 Feb 2008 01:47:40 -0600 ]


Questions and Answers - January 13, 2007
You have all been busy sending us some very interesting questions. We welcome your questions because they offer a lot of information for other listeners, so keep those questions coming. On this week's show we answer 3 questions, Is this a good time to buy a house, Are prepayment penalties good or bad and Should my loan officer be licensed. Sit back, grab a cup of your favorite beverage and click below. Listen to "Questions and Answers"Show Notes:CA. Dept. of Real EstateTags: podcast pod...

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[ Sat, 12 Jan 2008 23:45:31 -0600 ]


New Year's Resolutions for your Mortgage - January 6, 2008
Happy New Year! Many people make resolutions to lose weight, stop smoking, etc. But this week we offer up a new resolution. A resolution to find out all about your mortgage. This is time well spent as your mortgage is probably the most important component in your family's finances. Listen to "New Year's Resolutions for Your Mortgage"Tags: podcast podcasting mortgages loan loans bank home finance money mortgage ...

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[ Sun, 06 Jan 2008 01:24:56 -0600 ]


Listener's Questions Answered - December 30, 2007
It's all about you on Mortgages Made Simple. This week we answer your questions and give you more insight into the often confusing mortgage world. And if you have any mortgage questions, Call the Listener Line at(714) 519-7833 Listen to "We Answer Your Questions"Tags: podcast podcasting mortgages loan loans bank home finance money mortgage ...

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[ Fri, 28 Dec 2007 20:47:41 -0600 ]


The Loan Approval Process - December 23, 2007
You've found your dream house, but now you need a loan. This week we talk about the loan process and what you should expect when talking to your loan officer. What information should you have ready when you interview with your loan officer, how long does it take to get a loan and is it really so hard to get a good loan?Listen to The Loan Approval Process, what should I expect?Notes: Previous show - What information do I need to provide to my loan officer?Tags: podcast podcasting mortgages loan ...

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[ Sun, 23 Dec 2007 01:06:17 -0600 ]


The Appraisal, What does it do for me? - December 16, 2007
Many people wonder why they need an appraisal when they sell their home. After all, it sold pretty quick so it must be priced right.We discuss why you need an appraisal, what it covers, what the appraiser does when he comes to your house and other information about the appraisal step in the homebuying processListen to The Appraisal, what does it do for me?Tags: podcast podcasting mortgages loan loans bank home finance money mortgage ...

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[ Sat, 15 Dec 2007 23:38:34 -0600 ]


The Current state of the mortgage industry - December 9, 2007
What's going on in the mortgage industry today? On this episode we discuss the economic outlook and what the latest developments are in the mortgage industry. If you have any economic questions after listening to this show, please feel free to email or call us. We're always happy to help you with any mortgage questions you may have.Listen to The Current state of the Mortgage industryTags: podcast podcasting mortgages loan loans bank home finance money mortgage ...

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[ Sun, 09 Dec 2007 02:00:21 -0600 ]

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