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La gigantesca agencia financiera patrocinada por el gobierno, Fannie Mae ajustara sus exigencias de crédito el próximo mes y elevar su techo de deuda a ingreso del 45 por ciento a 50 por ciento. El movimiento podría abrir el camino para un mayor número de nuevos compradores, particularmente para que los jóvenes “Milenios”   puedan cargar con la deuda estudiantil. La proporción de deuda a ingresos compara el ingreso mensual bruto de una persona con los pagos mensual de todas las cuentas en deuda, como préstamos para automóviles, tarjetas de crédito y préstamos estudiantiles. También se facturan   los pagos previstos de la nueva hipoteca. Los prestamistas consideran a los solicitantes con ratas de deuda a ingreso menos en riesgo de impago. Fannie Mae, Freddie Mac   y la Administración Federal de vivienda tienen las exenciones que les permiten comprar o garantizar préstamos con coeficientes más altos que las normas federales, que se fijan en un máximo de 43 por cien...

Government-sponsored financing giant Fannie Mae will ease its requirements next month, raising its debt-to-income ceiling from 45 percent to 50 percent on July 29. The move could pave the way for a larger number of new buyers to qualify for a mortgage, particularly millennials who may be saddled with student loan debt. The debt-to-income ratio compares a person's gross monthly income with his or her monthly payment on all debt accounts, including auto loans, credit cards, and student loans. It also factors in the projected payments on the new mortgage. Lenders see applicants with lower debt-to-income ratios as less at risk of defaulting. Fannie Mae, Freddie Mac, and the Federal Housing Administration have exemptions that allow them to buy or insure loans with higher ratios than the federal rules, which are set at a maximum of 43 percent. The FHA allows debt-to-income ratios of more than 50 percent in some cases. In a recent study, Fannie Mae researchers looked at ...

If you ever wondered who buys real estate in Florida, here are some interesting facts from the 2016 Profile of Home Buyers and Sellers Florida Report and we found some interesting facts First-time buyers made up 35 percent of all home buyers, an increase over last year’s near all-time low of 32 percent. In Florida, 22 percent were first-time buyers.  The typical buyer was 44 years old again for the third straight year in a row, and the median household income for 2015 rose again this year to $88,500. In Florida, buyers were 55 years old and have a median income of $83,900.  Sixty-six percent of recent buyers were married couples, 17 percent were single females, seven percent were single males, and eight percent were unmarried couples. In Florida, 68 percent were married couples, 14 percent were single females, nine percent were single males, and eight percent were unmarried couples.  Eleven percent of home buyers purchased a multi-generational home, to take car...

El martes, la empresa adquirió unos 8.000 préstamos con saldos pendientes de pago de 1.400 millones de dólares. El Wall Street Journal informa que durante el año y medio pasado, Goldman Sachs adquirió casi dos tercios de los 9.600 millones de dólares en préstamos que la GSE subastara. Goldman Sachs hace la mayor parte de sus compras a través de una filial denominada MTGLQ Inversores, LP. Goldman Sachs para cumplir con los términos de un arreglo con el gobierno cuales mandatos indica ayudar a los propietarios en desventaja, aunque lo hacen mientras ganan dinero. Parte de la manera en que el banco cumple sus $1.800 millones en alivio al consumidor es la liquidación mediante la modificación de préstamos para que su importe principal es igual o menor que el valor de la vivienda. Goldman Sachs logra esto mediante la compra y la modificación de préstamos, la reventa de los préstamos con ganancias cuando los prestatarios reanudar los pagos mensuales. Si ese no fuera el caso, Goldman Sa...

On Tuesday, Goldman Sachs purchased about 8,000 loans with unpaid balances of $1.4 billion. The Wall Street Journal reports that over the past year and a half, Goldman Sachs acquired nearly two-thirds of the $9.6 billion in loans the GSE auctioned off. Goldman Sachs makes most of its purchases through a subsidiary called MTGLQ Investors, LP. Goldman Sachs is trying to meet the terms of a government settlement mandating that to help struggling homeowners, it does so while making money. Part of the way the bank meets its $1.8 billion in consumer relief settlement is by modifying loans so that their principal amount is equal to or less than the home value. Goldman Sachs accomplishes this by buying and modifying loans, then reselling the loans at a profit when the borrowers resume monthly payments. If that can’t be the case, Goldman Sachs profits instead by foreclosing on and selling homes. WSJ reports, that many of the loans acquired by Goldman Sachs have gone into foreclosure....

Los consumidores están súper seguros sobre la vivienda Traducción y publicación Vía-- DAILY REAL ESTATE NEWS | Miércoles, Marzo 08, 2017 La confianza de los consumidores en el mercado de la vivienda ha alcanzado un nuevo récord, con el índice de sentimiento de compra de casa según Fannie Mae. El índice aumentó 5,6 puntos porcentuales en febrero a 88.3, un registro de la lectura. Cinco de los seis componentes medidos por la encuesta alcanzó un récord, incluido el porcentaje de estadounidenses que dicen que ahora es un buen momento para comprar y quienes se sienten más seguros acerca de su trabajo. Fannie Mae con el estudio de 1.000 estadounidenses mostraron un escenario optimista para el mercado de la vivienda mientras se acerca la compra en la temporada de Primavera. "La última oleada post-electoral en el optimismo HPSI pone a su más alto nivel desde su punto de partida en 2011", dice Doug Duncan, economista en jefe de Fannie Mae. "Los millennials mostra...

Consumers Are Super Confident About Housing Via   DAILY REAL ESTATE NEWS | WEDNESDAY, MARCH 08, 2017 Consumer confidence in the housing market has hit a new all-time high, according to Fannie Mae’s Home Purchase Sentiment Index. The index rose 5.6 percentage points in February to 88.3, a record reading. Five of the six components measured by the survey hit record highs as well, including the share of Americans who say now is a good time to buy and those who are feeling more secure about their job.   Fannie Mae’s survey of 1,000 Americans showed a rosy backdrop for the housing market as it heads into the spring buying season.  “The latest post-election surge in optimism puts the HPSI at its highest level since its starting point in 2011,” says Doug Duncan, Fannie Mae’s chief economist. “Millennials showed especially strong increases in job confidence and income gains, a necessary precursor for increased housing demand from first-time home buyers. Preliminary...

Hipotecas inversas: Mitos vs. Realidades Hay muchas ideas falsas que rodean las hipotecas revertidas. He resaltado las seis que parecen venir más a menudo en las conversaciones con los clientes. Espero que les ayudarán a la hora de considerar si una hipoteca inversa es el camino correcto para usted. Mito Número 1:   El prestamista es dueño de la casa Usted va a retener el título y la propiedad durante la vida del préstamo, y usted puede vender su casa en cualquier momento. El préstamo no será cobrado mientras usted continúe cumpliendo las obligaciones del préstamo, tales como la vivir en el hogar, continuar manteniendo la casa según los requisitos de la Administración Federal de Vivienda (FHA) y pagar impuestos a la propiedad y el seguro del propietario. Mito Número 2:  La casa debe estar libre de cualquier hipoteca existente En realidad, muchos prestatarios utilizan el préstamo de la hipoteca revertida para pagar una hipoteca existente y eliminar los ...

Reverse mortgages: Myths vs. realities ----via Florida Realtors STUART – There are a lot of misconceptions surrounding reverse mortgages. I've highlighted six here that seem to come up most often in conversations with clients. I hope these will help when considering whether a reverse mortgage is the right path for you. Myth No. 1: The lender owns the home You will retain the title and ownership during the life of the loan, and you can sell your home at any time. The loan will not become due as long as you continue to meet loan obligations such as living in the home, maintaining the home according to Federal Housing Administration (FHA) requirements, and paying property taxes and homeowner's insurance. Myth No. 2: The home must be free and clear of any existing mortgages Actually, many borrowers use the reverse mortgage loan to pay off an existing mortgage and eliminate monthly mortgage payments. Myth No. 3: Once loan proceeds are received, you pay taxes on ...