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Mortgages With No Money Down

The very expression “no money down” is enough to stir outrage and anger in many quarters, the argument being that in a transaction with no money down the buyer has little incentive to make payments or to stick with the house if things get tough. Alternatively, “no money down” also raises hope and possibility with […]

September 7th, 2010 | | 0 comments | Continued
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Should We Dump Real Estate Investors?

When it comes to bailing out giant banks, huge companies and massive stock brokerages there’s no shortage of government interest and activity. After all, it’s in our national interest to protect investors — unless, of course, they’re folks who merely bought a house or two. The investor double standard is hardly hidden. It appears everywhere […]

November 30th, 2009 | | 0 comments | Continued
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Inflation, Deflation, Mortgages & Wealth

Freddie Mac’s weekly mortgage rate survey shows that the average 30-year fixed-rate mortgage (FRM) was priced at 5.59% with .7 points. This is a huge jump from last week when the rate stood at 5.29 percent and a vast leap when compared with the rate for the week of May 21st: 4.82%. Higher rates are […]

June 12th, 2009 | | 0 comments | Continued
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Why Stocks & Houses Don’t Compare As Investments

There must be a million side stories to the bankruptcy of General Motors, a terrible event for the company, its workers and shareholders. One of those stories concerns the Dow Jones Industrial Average which at this momment seems to be free of any companies that are actually, well, industrial. The Dow has just announced that […]

June 2nd, 2009 | | 0 comments | Continued
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Why Some Real Estate Still Pays

Across the country retirement dreams are falling with the speed of 401K balances. People are discovering that the easy life they had planned for their “golden days” no longer exists. The issue, of course, is that it takes money to retire. For most people, “money” means funds from IRAs and 401Ks and Social Security — […]

April 19th, 2009 | | 2 comments | Continued
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How Much Will Home Values Increase In The Future?

Question: What is a reasonable rate of future appreciation? Answer: No one knows or can know. No less important, rising values are not guaranteed. You may find that appreciation in a given community has grown at an average rate over a period of many years. However, such history does not tell us what will happen […]

March 23rd, 2009 | | 0 comments | Continued
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Why Suze Orman Is Wrong

I find many of the financial suggestions and strategies offered by Suze Orman to be sound and sensible, especially her recommendations to eliminate credit card debt and bulk up savings. Her efforts to encourage thrift and common sense should be applauded. That said, she has an article with which I disagree in the January issue […]

January 5th, 2009 | | 0 comments | Continued
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What Happens To Home Sales If Mortgage Rates Rise?

Interest rates reflect the cost of money nationwide — but real estate values are established locally. If you look at the question in general terms, higher interest rates mean larger monthly payments, high monthly payments mean a smaller pool of buyers, so in theory home prices should remain steady, rise less or even decline. But […]

December 16th, 2008 | | 0 comments | Continued
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Are Florida Condos The Right Investment?

Question: I\’m a retired teacher and interested in buying a place in central Florida to escape Ohio winters. If I buy one what do you think the chances are that they will be selling for more money a few years down the road? Real estate brokers tell of people coming and buying half a dozen […]

November 4th, 2008 | | 0 comments | Continued
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Is Now The Time To Buy A Duplex?

Question: I\’m ready to purchase a 2-unit property. I\’m trying to buy and rent, hopefully with enough income to break even on the mortgage, taxes, insurance and upkeep if I can. Houses in the $400K range aren\’t that available, and given mortgage rates and perhaps $95,000 down I am lucky if rents at $2,200-$2,400 per […]

October 19th, 2008 | | 0 comments | Continued