ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL – 03/21/2012

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL – 03/21/2012

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ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

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ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

I hope you have an awesome day, packed with smiles while searching for your active Birmingham AL Real Estate Dream.

States and municipalities may be inadvertently putting in roadblocks and costing taxpayers more when they approve policies that prolong the foreclosure process, such as by extending mediation services, Alfred Pollard, general counsel for the Federal Housing Finance Agency, testified at a House panel on Monday.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

Many of those foreclosures that get delayed fall in the books of one of the government-sponsored enterprises, Fannie Mae and Freddie Mac, which the FHFA regulates. Fannie and Freddie have posted big losses the last few years from delinquent loans and already owe the Treasury Department more than $150 billion in taxpayer bailouts.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

“It would be very valuable for states and localities to pause in their passage of rules that may create impediments to smooth foreclosures and to review the balance between home owner protections and the movement to efficient and professionally-undertaken foreclosures,” Pollard told the House panel. “Simply permitting home owners to stay in their homes for five or six hundred days or longer while not paying their mortgages, costs neighborhoods, costs lenders and, ultimately, costs taxpayers and future borrowers.”

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

As of Dec. 31, Fannie and Freddie had more than 568,000 loans on their books that have been delinquent for at least a year. Thirty percent of those come from Florida alone. More than 166,000 mortgages that Fannie and Freddie guarantee in the state are sitting in limbo — stretching more than a year without a payment, HousingWire reports.

 

Florida lawmakers in February tried to get a bill approved to quicken the pace of foreclosures, but the bill recently died in the state Senate. In Florida, where foreclosures must wind through the courts, foreclosures average 676 days.

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ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL – 03/20/2012

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL – 03/20/2012

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ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

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ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

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ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

Signs that an economic recovery remains on track sent mortgage rates rebounding from record lows this week, but the cost of home loans isn’t expected to soar. Purchase loan applications have picked up lately, to about the same level as seen at the same time a year ago.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

Rates on 30-year fixed-rate mortgage averaged 3.92 percent with an average 0.8 point for the week ending March 15, Freddie Mac said in releasing the results of its Primary Mortgage Market Survey. That’s up from 3.88 percent last week but down from 4.76 percent a year ago. Rates on 30-year fixed-rate mortgages hit an all-time low in records dating to 1971 of 3.87 percent during the first three weeks of February.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

For 15-year fixed-rate loans, rates averaged 3.16 percent with an average 0.8 point, up from 3.13 percent last week — a low in records dating to 1991. one-year Treasury-indexed ARMs, rates averaged 2.79 percent with an average 0.6  Rates on one-year ARMs hit an all-time low in records dating to 1984 of 2.72 percent during the week ending March 1, 2012.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

In a Feb. 10 forecast, economists at Fannie Mae said they expect 30-year fixed-rate loans to hold steady at 4 percent this year before climbing gradually next year to an average of 4.2 percent by the fourth quarter of 2013. Looking back a week, a separate survey by the Mortgage Bankers Association showed demand for purchase loans picked up a seasonally adjusted 4.4 percent from the week before during the week ending March 9. Purchase loan demand was down 0.4 percent from the same time a year ago.

Purchase applications are now almost 12 percent above the level one month ago, even after adjusting for typical seasonal patterns, remaining unchanged since this time last year.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL – 03/19/2012

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL – 03/19/2012

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ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

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ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

The number of homeowners who have fallen underwater on their mortgages — owing more than their homes are worth — climbed to 11.1 million in the last three months of 2011, a 3.7% increase. Those in this upside-down position, also called negative equity, represent 22.8% of homeowners with mortgages. The count rose from 10.7 million borrowers (22.1%) only three months earlier, according to a report from CoreLogic.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

The increase comes mainly from falling home prices and it’s a troubling sign for housing markets, said CoreLogic senior economist Sam Khater. It’s one of the “double triggers” of default, he said. The other trigger is the inability to make payments.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

“When they’re upside down, borrowers may be current on their payments but they’re more vulnerable to economic storms — like job losses — that could tip them over into default,” he said. About 8% of so of the underwater borrowers have already fallen behind on their mortgage payments. Such properties are likely to hit the market soon either as repossessed homes or a short sale.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

When they do, they typically sell at steep discounts. Conventional sellers have to cut their prices to compete, keeping a tight lid on the broader housing market. During the fourth quarter of 2011, a quarter of all home sales were of distressed properties and they sold for an average of 29% less than conventional sales.

Come Celebrate With Us At 3pm-? TODAY!!! AT Our New Location!!!! HAPPY ST PATRICK’S DAY WEEKEND

 ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL – 03/16/2012

Come Celebrate With Us At 3pm-? TODAY!!! AT Our New Location!!!! HAPPY ST PATRICK’S DAY WEEKEND!

 

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ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

I hope you have an awesome day, packed with smiles while searching for your active Birmingham AL Real Estate Dream.

 

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

 

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL – 06/04/2012

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL – 06/04/2012

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ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL

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ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN MOBILE AL

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL – 03/16/2012

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL – 03/16/2012

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ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

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The number of homes entering foreclosure dropped in February, but a new up-turn may soon be on its way.The reason? The $26 billion settlement between 5 major banks and state attorneys general over past foreclosure practices.  The agreement clarifies how foreclosures must be handled, and that is expected to enable banks to speed up their processing, putting many new delinquent homeowners into the foreclosure process.

Cases could go forward after sitting in limbo for months — even years — with their delinquent owners squatting on the properties. The banks involved are Bank of America,  JPMorgan Chase, Citibank, Wells Fargo, and Ally Financial. “The pig is starting to move through the python,” said Daren Blomquist, director of marketing for RealtyTrac, which released its foreclosure report for February on Thursday.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

Though filings for the month were down 8%, there were indications that the foreclosure pipeline was beginning to unclog.  Foreclosures had dropped much more in January — 19%. And 21 states posted increases in filings in February, the most since November 2010. Plus, half of the nation’s 20 largest metro areas reported increases as well, led by Tampa, Fla. (up 64%) and Miami (53%).

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

“February’s numbers point to a gradually rising foreclosure tide as some of the barriers that have been holding back foreclosures are removed,” said Brandon Moore, CEO of RealtyTrac. That Florida cities led the charge is a telling sign: The state was one of the states hardest hit by foreclosures, and it was also most affected when banks slowed the foreclosure process after the robo-signing scandal in fall 2010.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

Now, however, the banks appear to have resumed pressing the cases. “They have already adjusted their foreclosure practices to fit the terms of the settlement,” said Blomquist. “We expect that to continue as [the settlement] gets finalized.”

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL – 03/13/2012

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL – 03/13/2012

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ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

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The government’s $25 billion settlement with the nation’s five biggest mortgage servicers over so-called “robo-signing” practices could boost short sales, as loan servicers will receive credit when they approve sales that include forgiveness of a portion of underwater homeowners’ debt.

Although the settlement is only expected to help a fraction of homeowners who owe more their properties are worth — perhaps one in 20, according to one estimate — it will also help bring certainty back to housing markets by removing some of the obstacles that have been keeping homes stuck in the foreclosure pipeline. Announced last month, detailed terms of the agreement between mortgage servicers and a coalition of state attorneys general and federal agencies were filed today.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

Broadly, the settlement calls for mortgage servicers to pay $5 billion in fines and commit to a minimum of $17 billion in homeowner relief, including principal reductions. Another $3 billion is earmarked for helping underwater borrowers refinance. The Wall Street Journal reported Sunday that the structure of mortgage write-downs was a major point of contention in the year-long negotiations leading to the settlement.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

Allowing debt forgiveness on approved short sales to count against the required $17 billion in principal reductions helped secure a settlement that will reach more borrowers, the paper said. Loan servicers will also get partial credit even when it’s investors, rather than the banks themselves, taking the loss, the Journal said.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

For loan servicers to get credit for a principal reduction, a loan must be at least 30 days delinquent, have a pre-modification loan-to-value (LTV) ratio of at least 100 percent, satisfy specified debt-to-income ratios (DTIs), according to an analysis of the settlement by the lawfirm K&L Gates. At least 85 of occupied properties must have had an outstanding principal balance at or below the highest Fannie Mae and Fanni Freddie conforming loan limit cap as of January 1, 2010.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL – 03/12/2012

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL – 03/12/2012

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ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

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ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

I hope you have an awesome day, packed with smiles while searching for your active Birmingham AL Real Estate Dream.

Not long ago, buying a home was the best investment you could make. It used to provide you with the proverbial “cash-cow.” In this market, the realistic way to look at a home is a place you want to live. Buying a home doesn’t guarantee that you’ll make a big return on your investment. You might if you stay long enough. Over the long term, home-price appreciation usually outpaces the inflation rate. However, this varies from one locale to the next.

This means you aren’t under pressure to buy quickly. If you buy a home that you find out doesn’t work for you and sell it again within a year or so, there’s a good chance you’ll lose money when you take into account the costs of buying and selling.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

No one knows for sure when the economy will substantially improve. Last year, some economists predicted a double-dip recession. That appears to be less risky at the moment. In the fourth quarter of 2011, the nation’s economic output grew at an annualized rate of 2.8 percent, which is not recession territory, but is not considered good enough by some economists.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

On the housing scene, the number of homes sold nationally increased over the previous year in each of the last three months of 2011, according to the National Association of Realtors (NAR). However, sale prices still haven’t caught up with 2010 prices in most places.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

Will 2012 be the turnaround year for housing? Lawrence Yun, NAR’s chief economist, thinks that the combination of increasing home sales, record-low interest rate and low home prices “demonstrates a market in recovery.”

Other good news for housing is the recent increase in consumer confidence and the decrease in the inventory of homes for sale to a level not seen since March 2005, according to NAR. Yun thinks that the drop in inventory will contribute to price stabilization and possible modest price growth in the near future.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL – 03/09/2012

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL – 03/09/2012

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ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

These are Single Family Homes ‘Active’ on the Birmingham MLS. These homes are ripe for the picking. DO NOT LET THEM PASS YOU BY…ACT NOW….BEFORE IT IS TOO LATE!!!

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

I hope you have an awesome day, packed with smiles while searching for your active Birmingham AL Real Estate Dream.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

For some would-be buyers and refinancers, today’s mortgage rates are the ultimate tease. While ads tout the lowest rates in history (recently under 4% for a 30-year fixed), qualifying for a mortgage that cheap can be an exercise in frustration or futility.  Less-than-perfect credit will hurt, of course, but you may also find yourself struggling if your situation is deemed at all unusual . Read on for the best ways to get a deal.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

For The Self-Employed, Business may be booming, but don’t expect the bank to take your word for it. If you haven’t run your own shop for at least two years, you probably can’t get a loan.  Banks will use the average income on your past two tax returns or the most recent, whichever is lower, when determining the amount you can borrow and the rate on your loan.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

Try deferring or forgoing deductions, such as those for new equipment or travel, on your 2011 tax return, says Denver mortgage broker Todd Huettner. While that will up your tax bill this year, it may be worth it to nab that lower mortgage rate (lenders won’t penalize you for IRA contributions and health care write-offs).

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

The average credit score for a federally backed loan was recently nearly 760, the highest ever. A score of 720 vs. 760 can raise your rate by a quarter of a percentage point. So check your reports (free at annualcreditreport.com) and scores from all three credit bureaus ($10 each at myfico.com) and correct any errors before you shop for a loan.

Or run the numbers on a Federal Housing Administration loan, which requires only a 580 score. You’ll pay a point upfront, plus an annual premium of about 1.1% of the loan value for the first five years, but you’re likely to get a better rate than you would with a traditional loan

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL – 03/06/2012

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL – 03/06/2012

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ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

These are Single Family Homes ‘Active’ on the Birmingham MLS. These homes are ripe for the picking. DO NOT LET THEM PASS YOU BY…ACT NOW….BEFORE IT IS TOO LATE!!!

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

I hope you have an awesome day, packed with smiles while searching for your active Birmingham AL Real Estate Dream.

Buying or selling a home can be rewarding, although often stressful. To ease the pain, assemble a group of professionals to help you get the job done.  A good real estate agent can make the project a lot easier. Be sure to make your agent selection carefully. If you don’t already have an agent with whom you’ve had a good prior experience, ask acquaintances who live in the area where you’re buying or selling to recommend a well-respected, local agent.

Rapport is a very important component of the agent selection process. Your agent will act on your behalf with prospective buyers, other agents, contractors and inspectors, to name a few. Pick an agent you trust, respect and who has good communication skills.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

THE CLOSING: If you can’t stay involved, make sure you hire an agent who will keep you up to date and who won’t make decisions for you.

ACTIVE REAL ESTATE FORECLOSURES FOR SALE IN BIRMINGHAM AL

You rely on your agent’s recommendations, intuition and skill based on years of experience working in your marketplace. But your agent is not the decision-maker — you are.

Today, working with lenders can be one of the most difficult parts of the home purchase transaction. Buyers don’t feel they’re in charge. Harassment might better characterize the loan approval process. Your loan professional should provide you with all the information you need to compare the various mortgage options available, but you decide which one is best for you.

HOUSE HUNTING TIP: Your agent can help coordinate the many details that need to be managed before and during the sale transaction. However, never forget who’s in charge. Your agent works for you.