Underwater Homes and Upside-Down Mortgages

In addition to the lack of value in her home, Mary is also running into problems with it. Although the house is under full warranty, she is facing many expensive mechanical defects in the house, such as bad wires, an outdated roof, and a questionable furnace. Next she discovers mold. The developer who built the home fixed the mold problem once, but he has since gone out of business and filed for bankruptcy. The repairs required to make her home livable add up to make it an overwhelming burden...

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Ngày tạo 8/30/2018 2:31:16 AM +00:00

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For your convenience Apress has placed some of the front matter material after the index. Please use the Bookmarks and Contents at a Glance links to access them. Contents About the Author��vii Acknowledgments��ix Preface��xi Underwater homes and Upside-down Mortgages��xv The Real Estate Market and the Underwater Mortgage��1 the real estate Crash��3 how Bad is the Underwater problem?��9 Expert Advice on Your Underwater Mortgage��15 Chapter 8: Chapter 9: advice from an Underwater homeowner��17 advice from a real estate attorney��25 advice from a real estate agent��47 advice from a Mortgage Broker��63 advice from a real estate agent��75 advice from a real estate agent��91 advice from a Mortgage Broker��111 Chapter 10: advice from a real estate expert��127 Part III The Real Estate Market: An Overview from the Experts ��143 Chapter 11: advice from a real estate economist��145 Chapter 12: advice from an economist��173 Chapter 13: advice from CoreLogic Chief economist Mark Fleming��189 Part IV Housing: Fannie, Freddie, Legal Issues, and Government Programs��203 Chapter 14: what You should Know about Fannie Mae and Freddie Mac��205 Chapter 15: Lenders settle with homeowners for $25 Billion for abuses��213 Chapter 16: twelve Valuable government programs��225 Part V Appendices��239 Appendix A:glossary of terms��241 Appendix B: additional resources��251 Index��257 Preface this is a book of knowledge and hope for people who owe more for their � it’s a tough spot to be in, but there is a � things are starting to look up even during this sluggish � every homeowner watches for signs of good news as the � � that’s � there is no need to go it alone� hose who suffer from negative equity need help from people who have �this book is filled with the advice of experts who know about underwater � the stories, tips, and advice in this book come from those who have seen enough real estate transactions to know the score� these professionals were there on the frontlines when the real estate bubble burst 6 years ago, and they are ready to share their experience and knowledge vital to helping homeowners with underwater mortgages who are ready for relief� Hope on the Way hope is on the way� the advice of the real estate professionals collected here offer you a better understanding of the real estate market and your place in it� this book distills their experiences, numbers, and expertise into a guidebook you can use to help you navigate the topsy-turvy world of owning a home in the United states today� to help you get a handle on the underlying history that has shaped the current housing landscape, part i is all about the real estate market and the underwater mortgage� part 1 starts with Chapter 1, which examines the cataclysmic bubble burst that left the real estate market in shambles� this is where the xii Preface origins of the debacle are analyzed to help you get a sharper picture of the terrain you must travel to get out from under water� Chapter 2 looks at how far the reverberations of the real estate market collapse reached into our current economy� it also puts some numbers on the ripples that continue to roll through today and into the future� part iioffers expert advice from a number of real estate industry professionals and homeowners who understand firsthand what is going on in the market today� they know because they live and work there every day� that advice begins in Chapter 3 at the front door of a homeowner who spent some of his home’s equity to build his business, but the real estate market crash left him without enough equity to qualify to refinance at one of the great rates now � and he loves his underwater home too much to leave� his story can � i r� Kramsky, esq�, offers a legal � Kramsky’s expertise in the industry was recently recognized when the silk � � next, in Chapter 5, real estate agent nancy ringer describes the current conditions in which underwater homeowners must work to turn their homes right side up� her advice provides a ground view of how real clients are faring in today’s market� in Chapter 6, mortgage broker John paunan offers homeowners a look at the ways the real estate market has changed since it imploded, and the role Fannie Mae and Freddie Mac play in the lives of millions of underwater homeowners who are seeking relief� his perspective on the mortgage market is invaluable for those looking for answers� in Chapter 7, another real estate agent offers additional experience from the real estate industry’s front lines� this time, real estate agent dave watlington offers practical advice on selling an underwater home and the steps an underwater homeowner should take while battling default and foreclosure� next, in Chapter 8, real estate agent Michael Milligan rounds out previous lessons with numbers that can help a homeowner understand when negative equity may be tolerable, and how much demands faster action� his anecdotes shed light into reasons why divorced couples stay under one roof and why lenders do not want to foreclose on you� ... - tailieumienphi.vn

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