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Fannie Mae Under the Gun
17 January 2005 The Accounting Scandal at Fannie Mae "The media has been full of stories recently about accounting scandals at Fannie Mae?Is this another Enron? What does it mean to John Q. Public?" It is an accounting scandal, and heads have rolled as a result, but it is not ... more...

A Look at Housing Bubbles
20 December 2004 What Is a Housing Bubble? Recent bursts in property appreciation suggest to some observers that we are in a housing bubble. A bubble is a marked price increase fueled partly by expectations that prices will continue to rise. Once that expectation comes into ... more...

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Negative Amortization
Negative Amortization Negative amortization, also known as Neg Amortization, NegAm, NegAmMort, occurs when borrower pays back less than the full amount of interest owed to the lender each month. The difference betweeen full interest and paid amount is added to the total amount ... more...

Annual percentage rate APR
Annual percentage rate (A.P.R.) Is a interest rate reflecting the cost of a mortgage as a yearly rate. This rate is likely to be higher than the stated note rate or advertised rate on the mortgage, because it takes into account ... more...

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Get Free high cost areas Quotes and Estimates

Get instant on-line mortgage rate quote and closing cost estimate. Only put your loan numbers. No contact info required. Compare offers from top mortgage lenders... more...

Ten Equipment Leasing Tips - Save a Bundle on Your Next Lease
According to the Equipment Leasing Association (ELA), U.S. businesses lease every thing from laptop computers to commercial airplanes, racking up more than $ 200 billion in equipment leased each year. Although four out of five U.S. companies use leasing to acquire equipment, many dont know the ins ... more...

Want To Know More About Cruises and Cruise Ships?
Today, Norm Goldman Editor of Sketchandtravel.com, is pleased to have as a guest of Sketchandtravel.com Douglas Ward, author of Ocean Cruising & Cruise Ships 2005, now into its twentieth year of publication, published by Berlitz Publishing.Thank you Douglas for accepting our invitation to be ... more...

Mortgage Delinquency Facts and Fiction
Kenneth Harney, a highly respected columnist for the Washington Post, expressed surprise in his column recently because home buyers in high-cost parts of the country like California, Hawaii, Boston and Washington, D.C. are not leading the nation in mortgage delinquencies.Mr. Harney stated (in near ... more...

The Red Flags of Getting a Home Loan
Red flags are indicators that there may be a current or future problem with the borrower or transaction. They help Underwriters isolate pertinent issues that are part of the overall loan evaluation. They are questionable items, and when there are several, they usually indicate that something is ... more...

First-time House Buyers Still Finding It Tough to Get into the Market
Buying a house in the current housing market is tough. Becoming a first-time house buyer is very tough. Recent research by the Chartered Institute of Housing Cymru (CIH) has show just how difficult it has become for people in Wales aged 20-39 to get a foothold on the housing ladder, as the gap ... more...

What Will I Do When I Grow Up? Says The 45 Year Old Woman
I have always rather envied those people who have a burning vocation; they knew the career they wanted to follow and went for it. If, like me, you have never really known what you want to do, the years fly past and you still have to earn a living. But doing what?I did well at school and it ... more...

Merger and Acquisition Valuation Practice Outline
Outline for a New M&A ValuationPractice Area for a Law FirmMichael A. S. Guth, Ph.D., J.D., Practice LeaderThis outline describes the M&A package that our law firm would normally prepare when retained to find targeted acquisitions for a client. If we are retained by a seller, then this outline ... more...

Home Owner Loan - 5 Tips To Get Yourself Ready For A Home Loan Application
So you need to get a home loan to finance that new house? There are some things you must know to prepare yourself adequately for a favorable application.1) Know your state of finance. Tabulating the numbers is the key to avoid future disappointment. Is the price of the new house within the range ... more...

Buying A Condo In Chula Vista California
What are condominiums? A condominium is not a specific kind of home, but rather a specific kind of ownership. Condominiums can be townhouses, high-rise flats, or even detached houses. Instead of owning a piece of land outright, as with freehold ownership, condo owners own a space, called a unit, in ... more...

American Consumer Debt Issues
Many consumers in America have substantial debt. In the average case a consumer has 1.5 times annual earnings in short-term debt; credit cards and car payments. This is frightful as many Americans if they lose their jobs they will be out of cash to live within 2.3 months. In a wise America citizens ... more...

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