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Articles about Housing Bill (0-50 of 405)

  • Dining With Your Contractor
    By: Kristy Mills | - Your contractor can be the devil or your savior. Either way if the lines are blurred between a working relationship and a personal relationship, it will cause problems. There is nothing wrong with a business lunch or dinner. Going over the details of the job over a cup of coffee in the morning away from the job site, wont hurt anything. It is how you dine with your contractor that will keep the relationship professional.

    PAYING THE BILL

    Even if you cannot write off th ...
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  • Beware Of Government Solutions For The Economy
    By: Fritz Pfister | - It was another good news bad news week. The good news is that the local real estate market is as hot as it has been in almost two years. Closed home sales are nearly even with 2008 year to date, sales pending are running 21% ahead of last year on this date, prices remain affordable, and there are 15% fewer homes listed for sale than last year on this date. Interest rates remain near historic lows, and the first time home buyer tax credit is in place for a few more weeks.

    The bad n ...
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  • Educational Benefits Of Us Army Service: Beyond The Gi Bill
    By: Chris Harmen | - When most people think of education and the Army they immediately think of the GI bill, but veterans and US Army active duty personnel are entitled to more. With choices including the Reserve Educational Assistance Program (REAP), the Post Vietnam Era Veterans' Educational Program (VEAP), and the Montgomery GI Bill you will be able to pursue your professional dreams with Army support. Protecting our country is an important job, and the time you give the US Army should not keep you from reaching ...
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  • Gi Bill Government Benefits Changes
    By: Michael Considine | - On August 1st 2009 your GI Bill Gov benefits has changed, and these changes can make a big difference in the amount of money you could receive for you education. This makes it very important for you to understand the differences, so that you select the program that is best for you.

    There are many new options in the new Post 9/11 GI Bill that might make it the best selection for you.

    Here are the differences between the two Bills mentioned above.

    The Post 9 ...
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  • Revise Stimulus Plan For Economic Recovery
    By: Fritz Pfister | - The stimuls bill passed seven months ago contained an $8,000 tax credit limited to first time home buyers. At the time many believed it would have the impact of taking a knife to a gun fight. They were wrong. The tax credit combined with historically low interest rates turned out to be the driving force to stem decline within the housing market.

    What happens when the tax credit expires on December 1? What happens when inflation takes hold and interest rates are hiked?


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  • Government Grants For Home Repair
    By: John Goldman | - You must have surely come across several commercials on television which claims that it is very simple and easy to get free grants from the US government and a large sum of money. The commercials also claim that you can get government grants to up to $25,000 just to write a book or even to travel abroad and there are people believing it and purchase their products.

    It is important you think that the typical criticizes of US would just not let their tax dollars to be spent in such a ...
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  • How Does Corporate Housing Work?
    By: Amy Nutt | - There is simply nothing more important than the home, remember, it's where the heart is. What people consider a home is something a lot more than just where they live and how it looks, it's a certain state of mind that brings a person peace of mind. Whether it's a trailer or a mansion, there is always that feel that brings a person inner solace in the fact that they are where they belong, even in the case of corporate housing, where it may be something temporary.

    What is Corporat ...
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  • Bottom Reached? Recovery Or Stagnation For Housing?
    By: Fritz Pfister | - The Springfield Illinois housing market heated up during the coolest July on record with sales pending up substantially over a year ago. Preliminary sales reports by member brokers of the Capital Area Association of Realtors show July could finish up for the second monthly increase in a row. August closings based on current sales pending could produce a three month run for increased home sales. But where will the market go from here?

    What has caused the increase in sales activity? ...
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  • How The Housing Rescue Bill Can Help You Save Your Home From Foreclosure
    By: Amanda Hash | - Sweeping economic reform by the United States government included the passage of HR 3221, which is part of the Housing and Economic Recovery Act of 2008. Signed into law by President George W. Bush, HR 3221 will provide needed relief for over 400,000 American families that are facing foreclosure of their home mortgages.

    How The Housing Bill Can Help You

    HR 3221 works to provide refinancing of your home mortgage at up to ninety percent of its current fair market value. ...
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  • Proposed Health Care Reform Will Deepen Recession
    By: Fritz Pfister | - As we pass the mid point of July in the Springfield Illinois housing market there continues to be mixed signals. So far in July closed home sales down slightly, sales pending up. The median sale price is up, the average sale price is down. Year to date closed home sales down, sales pending dead even with last year. The median sale price is up, the average sale price is down.

    The number of homes for sale is down significantly, the fewest since 2005. The number of closed home sales ...
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  • The Federal Housing Administration, Fannie Mae, And Freddie Mac
    By: justinnarin | - The Federal Housing Administration is just one part of the government created system to keep the mortgage market and help homebuyers become homeowners. Although none make loans directly to consumers, each has a very important role to play and none could continue to operate without the other.


    The Federal Housing Administration
    More commonly known as the FHA, the Federal Housing Administration is a part of the Department of Housing and Urban Development. The FHA ...
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  • Fha Secure Program - Avoid Foreclosure
    By: justinnarin | - The FHA Secure program was introduced in late 2007 by the Federal Housing Administration and President Bush. Unlike most other FHA loan programs, this program is designed for homeowners who are at risk for foreclosure due to steeply increasing payments on adjustable-rate mortgages. The majority of people in the program have subprime loans, but homeowners with hybrid ARMs, option ARMs, and prime-rate ARMs may also qualify.


    FHA Secure Eligibility
    Contrary to initial r ...
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  • Cap And Trade And The Housing Market
    By: Fritz Pfister | - While people were mourning the passing of Farah Fawcett, and Michael Jackson this week a battle raged in congress over the cap and trade bill that could become the largest tax increase on the American people in history. The bill narrowly passed in spite of an overwhelming Democrat majority.

    Why wasn't this bill a slam dunk if it is such good legislation? Why the rush to pass this bill, and why was a 300 page amendment added to the bill at 3am? Why do our representatives rush to pa ...
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  • The Climate Bill And The Building Industry
    By: Lynn Bulmer | - For years, scientists have been warning against the effects of global warming and claimed if greenhouse emissions were not reduced by 80 percent within 40 years, the earth would suffer devastating climate conditions and variations. These warnings seemingly fell on deaf ears, until now. The climate bill, or "American Clean Energy and Security Act", barely squeaked by the House after a 219-212 vote last Friday. This history making piece of legislature proposes regulations intended to reduce the ef ...
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  • Mortgage Loan Modification And The Law
    By: Alex Blue | - The passage of legislation that affects the mortgage industry has taken a major upswing. The bankruptcy loan modification bill, Obamas housing bill, and the creation and distribution of the economic stimulus package are but a few of the changes in existing laws and ordinances that have been put into practice.

    Even before all these new documents and writs came into being, there was already an increased interest in mortgage loan modification. Because of this, as well as t ...
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  • Mortgage Investors Getting Protection From Obama's Housing Bill
    By: Alex Blue | - Thousands of homeowners who are struggling to meet their monthly mortgage payments or are already in default with their home mortgage cheered when they heard about the Obamas new housing bill. Many people have been holding their breath each month, praying they wont be laid off and need to go through mortgage default on their home. The Helping Families Save Their Homes in Bankruptcy Act of 2009 was initially advertised to help with the American ongoing foreclosure issue. T ...
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  • Despite Dismal Home Sales, Today's Housing Market Presents Opportunity For Buyers
    By: Chris Sandberg | - It is not a really big secret that the United State's housing market is continuing to slide downhill in one of the worst recessions in recent history. According to huduser.org, 2008 data shows up to a 36 percent decline in housing production indicators when compared to the same indicators in 2005-2006, when the market peaked. Most American's are painfully aware of the current housing situation the country finds itself in.

    During the past one year, home sales, particularly new ho ...
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  • Demand For Housing? From Consumer Confidence?
    By: Fritz Pfister | - On my weekly radio program the warning was issued in October of 2005 that the supply of homes for sale had crested the record high. While numerous home owners, builders, and Realtors were unaware, remaining in a state of false euphoria about record numbers of home sales, and rapidly rising prices, reality was approaching.

    In 2005 nearly 500 building permits were issued in Springfiled for new home construction; in 2008 only 97. The inventory of homes listed for sale with Realtors j ...
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  • Mortgage Interest Rates - How Are They Determined?
    By: Lawrence Roberts | - Mortgage interest rates are the single-most important factor determining the borrowing power of a potential house buyer. When rates are very low, a borrower can service a large amount of debt with a relatively small payment, and when interest rates are very high, a borrower can service a small amount of debt with a relatively large payment.

    Mortgage interest rates are determined by market forces where investors in mortgages and mortgage-backed securities bid for these assets. The ...
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  • President Obama Housing Plan: Can It Help You?
    By: Roy Primm | - At first glance the new President Obama housing rescue plan is playing to mixed reviews. Some critics say it does not go far enough to solve the housing mess this country is now in.

    Others express resentment at helping people who took on more house than they could afford or somehow mismanaged there money irresponsibly. These may have elements of truth in them, but the fact is the President has to begin to take action to stop the bleeding.

    What most of the critics ...
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  • The Housing Bubble - What Buyers Need To Know
    By: Lawrence Roberts | - During the decline of house prices in the deflation of the housing bubble, price levels will fall to fundamental valuations of historic levels of appreciation, price-to-rent ratios, and price-to-income ratios. The nominal price declines may be impacted by inflation and monetary policy of the Federal Reserve, but inflation adjusted prices will fall precipitously.

    As people put less money toward housing payments either by choice or by tightening lender standards, prices will not be ...
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  • The Stimulus Bill And Housing
    By: Fritz Pfister | - In 2008 the Bush administration implemented a $7,500 tax credit for first time home buyers. Although well intentioned the proposal has had little impact upon home sales in Springfield Illinois, and probably across the nation. Why? The money had to be paid back, and was limited to only first time buyers of homes.

    The reason our economy is in a tail spin is due to the federal government under Clinton ordering Fannie-Mae, Freddie-Mac, and HUD to make home loans more affordable for lo ...
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  • The Glass-steagall Act's Loss Is The Community Reinvestment Act's Gain
    By: Brian S. Icenhower | - The Gramm-Leach-Bliley Act (GLBA) of 1999, repealed the portion of the Glass-Steagall Act of 1933 that prohibited banks from consolidating with investment houses while the GLBA also expanded the influence of the Community Reinvestment Act of 1977 which requires banks to make loans to higher-risk borrowers. Although the lethal economic brew imposed by the GLBA was not exposed immediately after its passage due to the rapid appreciation of both the housing and securities markets shortly thereafter ...
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  • Higher Interest Rates And Residential Real Estate Markets - What Would Happen?
    By: Lawrence Roberts | - A key factor impacting the fundamental value of housing and thereby the bottom is interest rates. Higher interest rates would devastate residential real estate markets. When interest rates go up, the amounts borrowed go down assuming a consistent payment. As amounts borrowed go down, so do real estate prices.

    Interest rates went down during the price decline in the early 90s. That softened the impact and made the decline take somewhat longer. When interest rates are declining, bub ...
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  • The U.s. Housing And Economic Recovery Act
    By: Brian S. Icenhower | - On July 30, 2008 United States President George W. Bush signed into law the Housing Stimulus Bill H.R. 3221, now dubbed the Housing and Economic Recovery Act of 2008. This historic bill was previously passed in the House of Representatives by a vote of 272-152 and in the Senate by a vote of 72-13. As with most bills signed into law, this act is comprised of a multitude of compromises on a variety of housing and financial issues that have recently plagued the nations economy. There ...
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  • Choosing The Right Senior Care Facility
    By: Jerry Glynn | - The decision to place a loved one in an assisted living facility is never made without careful thought and consideration of all of the options involved, and the choosing the right facility is a decision not be taken lightly either. This article will provide some tips to help you pick the right one.

    When you first visit the facility, be sure to check to see that a patient bill of rights, a license, an emergency evacuation plan, and an admissions agreement are all clearly posted. ...
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  • Housing And Presidential Candidates Economic Pledges
    By: Fritz Pfister | - Time to get serious about choosing our next president with the election a mere twelve days away. Who are you voting for and why? In my opinion the housing market will be impacted by the plans of who is elected. Based upon their campaign pledges, here is what to expect.

    McCain promises not to raise income taxes on anyone, and has proposed corporate, and capital gains tax cuts that will help struggling companies to keep, and hopefully add jobs. McCain promotes more drilling of domes ...
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  • Bail Out Harms Responsible Homeowners
    By: Fritz Pfister | - As you know a massive government bailout was passed with the goal of saving the economy. The Oct. 4, 2008 front page headlines in the SJR "Bailout is coming, but will it work?" Good question. In my opinion the headline should have been "Bailout coming, was it necessary?"

    The bailout represents much more than the $857 billion dollars of your tax money pledged to be spent to save the economy. Once again irresponsible earmarks were attached to the plan to bribe congressmen to change ...
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  • New Housing Bill In A Nutshell
    By: Ed Kirkland | - The housing bill basically represents a temporary lifeline for mortgage companies Fannie Mae and Freddie Mac and relief for 400,000 homeowners in mortgage distress. All in all, there is about $15 billion in housing tax breaks. Here is the bill in a nutshell.

    Treasury is authorized to spend billions of dollars on mortgage giants Fannie Mae and Freddie Mac in the event of their financial demise. Combined, these two companies hold almost half of the mortgages in the country, to a t ...
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  • Learn To Stop The Flood Of Phone Calls That Are Killing Your Homelife
    By: Aydan Corkern | - It will never fail to interrupt your dinner. It will often wake you up when you are trying to sleep, when you are entertaining, or just when you wish the phone would not ring one more time that day. Of course, we are referring to unsolicited phone calls at home. They have become an annoying and seemingly permanent thorn in the sides of Americans. Who gives all of these people the permission to intrude in your home? It is like someone somewhere gave them a free pass to interrupt you at home any t ...
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  • Invasive Senate Bill Affects All Payment Processors
    By: Mike Shatz | - A sweeping payment processing amendment proposed by Senator Christopher Dodd has been quietly buried within a six hundred and thirty page housing bill. The legislation is found within HR 3221, The Foreclosure Prevention Act of 2008, the main focus of which is the current housing crisis. Slipped into this legislation, however, is a proposed set of laws that have generated altogether separate issues. In an effort to fund the proposed bill, the amendment's sponsors are attempting to tap into a new ...
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  • Pay The Family Cost
    By: Les Freeman | - A few months ago, I came face to face with the reality of my budget. I was shocked to find that my full time job was no longer enough to pay all of my bills. The reality of the situation was that the cost of living was skyrocketing, and my pay checks were not. I took a good look at my monthly expenses. I knew I could cut back in a few areas, such as entertainment and eating out. Still, I had several bills left and couldn't quite make my financial ends meet. After exploring my options, I knew tha ...
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  • How To Find Really Cheap Housing
    By: Steve Gillman | - So you want really cheap housing? Whether you are buying or renting, here are five ways to find a home that costs you less. Those are followed by a list of the real expenses you need to compare your options fairly.

    If you can live where you like, you can start by looking at towns where houses or apartments cost less, and cut your housing costs by as much as half or more. For example, an apartment which rents for $500 in Tucson, Arizona might be $1,500 in New York or San Francisco. ...
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  • Memo On Recession, Housing, And Inflation
    By: Paul Dubsky | - When recession starts creeping in it will become noticeable. Spending on households gets smaller and smaller as incomes get smaller. Business in general gets slowed down, and when that happens, unemployment starts going up. The consumer has less money to spend and gets worried, and any major outlays will tend to be delayed as much as possible. The consumer hangs on waiting for better times.

    It does not mean that everybody earns less, but many will. What does make an impact is the ...
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  • Recession Investing And The Housing Market
    By: Bill Byrnes | - Why could the U.S. be heading into a recession? The most likely reason is the housing market- a multi-faceted subject. There's the new home building sector.

    It's important because it employs so many people, not just in construction but, by extension, in the industries that supply materials to the homebuilders - lumber, concrete, appliances, and even retailers like Home Depot.

    Think about all the "stuff" that goes into a home and how much you buy when you move. ...
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  • The Economic Crises Of 2008
    By: Bill Byrnes | - The question on every investor's mind is: are we experiencing a mid-expansion slowdown or are we on the cusp of a recession? Even a recession would be just a bump in the road when compared to the damage to the economy, and the value of our investments, which would be brought about by a decline in the value of our homes or the huge US trade deficit.

    Given the run up in housing prices, a 10% correction is not out of the question but it could put the economy into a tailspin. Wh ...
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  • The Real Estate Market Has Crashed! The Bubble Has Burst! What's Next?
    By: Ed Lathrop | - I was watching a market report station on TV. The headline for the upcoming real estate news segment was, the real estate market has crashed! The bubble has burst! What's next?

    What had these people in such a tizzy? The reporter stated, "housing starts are down, way down. Only a year ago, housing starts were over 1.8 million. Now, the latest number is hovering around 1.4 million and the forecasters are looking for the drop to continue, precipitously for another 11/2 to 2 yea ...
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  • The Case For Buying A Small House
    By: Jonni L Good | - When I decided to write an article in defense of the small house, it was hard to know where to start, because there are so many reasons why I think small is beautiful when it comes to houses. I freely admit that I love living in small houses - in fact, my ideal abode would fit many people's idea of a tiny house. My previous home in Portland was only 420 square feet, and for me, a single woman, it was perfect. My current home, which is huge by comparison but still under 900 square feet, seems too ...
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  • Consolidate Debt With Debt Consolidation Refinance
    By: Vince J. Paxton | - You want to improve your financial situation by consolidating your debt, but you simply cannot find the time to meet with a consolidation professional and start the process. If this sounds like you, or even if it does not, you will be glad to know that online debt consolidation is possible.

    Many postpone bill consolidation longer than necessary while, in the meantime, wasting payments on interest rates higher than would be on a consolidation loan.

    Online debt consol ...
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  • The Housing Bubble Is About To Burst
    By: Ed Lathrop | - The latest numbers are now in and, guess what? The housing market continues to slow. Housing prices are once again down and housing starts have come to a halt. Is this the start of the housing market bubble burst we've all heard so much about? My answer: You bet!

    Now, that Democrats have something to do with it, you bet the recent Bush tax cuts will be repealed. You bet the investors will come under assault. You bet this will cause interest rates to rise and you bet the housing bu ...
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  • Low Income Senior Housing, It Is All Relative
    By: Jerry Cahill | - Does the phrase low income senior housing bring anything to mind when you hear it? You should think it means affordable, clean, healthy housing such as condos or apartments for senior citizens. It is fairly easy to find the clean and healthy senior living space. It is the affordability that warrants further discussion.

    Unfortunately our older populations are showing a wide disparity in income levels across the United States. This may be true in other societies too. This gap i ...
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  • Credit Cards, Bill Gates, The Housing Market, & Saving Money
    By: Paul Jerome | - Copyright 2006 Paul Jerome

    I've noticed a few things lately. Revolving debt is approaching a trillion dollars and there are quite a few homes for sale. Today I'll offer some insight into credit cards, Bill Gates, the housing market and saving money.

    The Federal Reserve Board statistics pegged revolving debt at an astounding $816 billion at the end of last quarter. Bill Gates fortune was $50 billion in Forbes 2006 survey. Considering Bill Gates philanthropy and t ...
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