Fidelity Mortgage - Mortgage Grand Junction

Fidelity Mortgage offers financing, mortgage and loan services for Grand Junction, Western Colorado and Eastern Utah. Our team is committed to giving you the best service to help you make your goals a reality. Fidelity Mortgage - www.fidelitymtg.com [more...]

Date: 2007-10-02 19:44:19
Blog: 100 Watt Design & M...

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The Judges Stand In The Way Of Law

I have been pounding the pulpit of following the law ... and brutalized each year by illegals. Banks and mortgage brokers have learned to cater to them. Credit companies solicit their business. When they fail on a loan or transaction the American tax payer picks [more...]

Date: 2007-09-02 02:16:54
Blog: Some Things Just Need t...

Non-Residential ABS: No, no problem. Why?

A e-mailer asked me about non-residential ABS. This paper has been hit pretty hard, and I agree with the e-mailer who characterized the move as " ... was so strong as to encourage mortgage lenders to throw caution to the wind, the same effect should [more...]

Date: 2007-10-05 19:29:41
Blog: Accrued Interest...

Ric Flair wants to take care of your money

Ricflair Just in time to remedy the nation’s home-loan crisis, ... s not in it, but it’s amusing. Would you apply for a mortgage from a 16-time WWE world champion? Woooooo, yeah! —Posted [more...]

Date: 2007-10-05 18:13:10
Blog: adfreak...

Home

I don't think I have that much relatives, not as much as my high school classmate has ( ... know where to start, much less know where Mortgage Loan Processing begins. And, I definitely do not want ... !" Anyway, thank God I was never lent or borrowed. Our house seems a bit empty now. Well, normally for 11 [more...]

Date: 2007-10-03 22:41:24
Blog: An Apple a Day...

Money Monday: first ever!

Money Monday: first ever! September 10th, 2007 I have talked about our journey to freedom before, ... and debt. What do you think? Do you like the idea of Money Mondays? Here is a great quote to kick ... Americans can’t even envision a car without a payment … a house without a mortgage … a student without [more...]

Date: 2007-09-10 08:18:33
Blog: Aimee’s Blog ...

Too Many Vultures, Too Much Liquidity

About a month ago, when the financial markets were more skittish, I saw a series of four articles on more interest in distressed debt investing ( ... bonds, low-quality stocks, the toxic waste of Asset- and Mortgage-backed securities, and private [more...]

Date: 2007-10-03 05:40:46
Blog: The Aleph Blog ...

Deerfield Triarc Revisited

I am basically at breakeven, and above my tough rebalancing buy in August.   I bought lower as well ... and AAA whole-loan mortgage backed securities is improving. It would not surprise me to hear ... mortgage collateral has returned. There is disagreement over whether the merger with the asset [more...]

Date: 2007-10-05 18:35:10
Blog: The Aleph Blog ...

Christopher Dodd’s Subprime Answer

The opening paragraph of this article from last week says it all: Senate Banking Committee Chairman Christopher J ... with predatory lenders. So it seems the entire subprime mortgage mess was due to predatory lenders ... and counting on the price of their house continuing to appreciate at a solid pace. When the mortgage reset [more...]

Date: 2007-09-11 15:02:49
Blog: � AllFinancialMatters...

President Bush Wants to Expand Mortgage Disclosures

Today’s Wall Street Journal featured an article about the Bush Administration’s plan to expand mortgage disclosures ($) ... of mortgage-broker fees and loan terms, such as whether the interest rate increases ... to do something three years ago but faced so much opposition from the mortgage industry that they shelved [more...]

Date: 2007-09-20 18:14:12
Blog: � AllFinancialMatters...

Equity Harvesting: A Good Idea?

Today’s reading assignment: Reaping the Benefits of Equity Harvesting, ... loan is 6.5 percent with a mortgage payment of $935 a month. Let’s also assume Mr. Smith will use ... of removing equity from a personal residence through refinancing (or a home equity loan) where the money [more...]

Date: 2007-10-04 15:31:35
Blog: � AllFinancialMatters...

Deadbeat Alert: Have you seen Slim123’s new ride?

WANTED: This Dude Apparently, Slim123 wasn’t really very refocused and ready to go after all. I loaned the guy $500 through Prosper ... of adjustable rate mortgage that just rolled over to 24% APR on his delinquent ass. Now he’s stiffing ... : “John is a honest and carrying person,” “He is great at what he dose” “Paying this loan back [more...]

Date: 2007-10-04 04:05:23
Blog: Andy Swan...

Question: What Does LTV Mean?

The LTV is the loan-to-value ratio of a mortgage or other type of high loan. What does it mean? ... loan value. Take the $180,000 loan value (i.e. the "L") and divide it by the appraised Value [more...]

Date: 2007-09-15 00:04:10
Blog: Ask Jason...

Rams Goes.

This article comes with the kind permission of Australasian Investment Review – (AIR) You can subscribe for their free newsletter at www.aireview ... , small non-bank lender RAMS Home Loan Group (RHG) has capitulated. With its share price hammered ... from the U.S. subprime mortgage debacle widened. The future funding of RHG was “uncertain,” said RHG [more...]

Date: 2007-10-03 07:00:30
Blog: ASX Newbie...

Rams Deal Opportunistic?

This article comes with the kind permission of Australasian Investment Review – (AIR) You can subscribe for their free newsletter at www.aireview ... if there were other bids for the company. RAMS yesterday also increased the size of a mortgage-backed ... to RAMS. “We value the existing RAMS loan book at [more...]

Date: 2007-10-04 06:53:36
Blog: ASX Newbie...

Tanta Posting Pull-Quote of the Day

from Moody's September 2007 Subprime Mortgage Market Update, as cited by Tanta at CR: Interestingly, ... noted, ' Y our mortgage is pretty much the last thing you're going to default on.' Loan-to-Value has nothing to do with whether you can pay your mortgage, and FICO is going to be at best a lagging [more...]

Date: 2007-10-05 19:12:10
Blog: Marginal Utility...

Shocking

Shocking This problem is still out there. Subprime-mortgage bonds created in the first half of 2007 contain loans that are going delinquent ... loan delinquencies" in the securities has been higher than for bonds created last year, Moody's analysts Ariel Weil and Amita Shrivastava wrote in a report. Serious loan delinquencies are those 60 [more...]

Date: 2007-10-05 14:07:00
Blog: Eschaton...

Mortgage Help

Mortgage Help Of course Kenny and I got our mortgage before the latest interest cuts so we are likely paying more than what we would have if we waited another month or so. If interest and mortgage rates continue to go down then we should probably consider a mortgage refinance. I know that if we can drop a few tenths of a percentage [more...]

Date: 2007-10-04 14:36:12
Blog: Autumn's Space...

Horses escape and then the barn door closes

Central Valley Business Times: With California an epicenter of the mortgage meltdown and housing slump, Gov ... , which permits state agencies involved with residential mortgage lending and brokering to adopt emergency measures and new policies to ensure that all mortgage lenders and brokers are subject to federal [more...]

Date: 2007-10-03 18:47:30
Blog: Bakersfield Bubble...

Seperated at birth?

(Jagels Photo by Felix Adamo) According to the local DA "We have had remarkably few real estate fraud cases over the years" ... lenders agree to accept less than is due on a mortgage in exchange for skirting foreclosure and homes ... reluctantly lowering prices." Suncal defaults on loan: BY GRETCHEN WENNER Irvine-based SunCal Companies told [more...]

Date: 2007-10-03 15:40:04
Blog: Bakersfield Bubble...

October Linkfest: Week in Review!

Another wild week on Wall Street. Markets climbed back into record territory, as signs that the credit crunch may be over -- or at least is easing -- abounded. The big winner for the week were REITs, exploding upwards 6.2%. Right behind them were the Russell 2000 small caps, up 4.9% [more...]

Date: 2007-10-06 22:30:00
Blog: The Big Picture...

Permanent Link to Rebuilding with Rebuild.Org

Rebuilding with Rebuild.Org Tackling another long and overdue review, this time we visit Rebuild.Org ... , personal, payday loan, seeking debt consolidation, mortgage loans, home refinance or a home equity ... or company, you can find out genuine information. Particularly things like when a refinance loan [more...]

Date: 2007-09-24 17:27:10
Blog: Blog About Your Blog...

FHA and Down Payment Assistance

Just got off the phone with one of my lender friends. She has just gotten notification that FHA will no longer accept ... who do not have down payment money will not be able to get an FHA loan. Unfortunately, that will leave no option for a lot of people except to continue to rent. Tags: Mortgage Info, fha, down payment [more...]

Date: 2007-10-01 20:42:38
Blog: Chattanooga Tennessee H...

Best Time For Oregon Mortgage Refinance

There are many reasons why people seek to refinance their property ... is an Oregon mortgage refinance company that uses their experience in mortgage and loan products to arrange ... a mortgage refinance for the cash to go on a holiday. This time, with the downward revision [more...]

Date: 2007-09-21 15:02:09
Blog: She Rambles On ...

Responsibilities Of An Adult

I mentioned before that my sister has committed herself to a rather high mortgage loan. Well, her boss advised her that if she is ready to buy a house then go ahead with it. Mortgage ... rate is said to have dropped, my sister is looking to refinance her home. I think that it is good also [more...]

Date: 2007-09-27 11:32:08
Blog: She Rambles On ...

Paying Off Our Mortgage in Five Years

We plan on paying off our mortgage in no more then five years (possibly a little more if you include school loans) ... off your mortgage as quickly as possible. People always seem to speak of a house as an ‘investment’ ... and we’ve decided to be diligent in paying off our mortgage for that home as quickly as possible. Here [more...]

Date: 2007-10-04 00:48:32
Blog: Trying to follow...

ARM loan cost-benefit analysis

Burroughsaddingmachine Boston real estate broker and InmanBlog reader John Keith comments that Countrywide Financial CEO Angelo Mozilo may be right when he says the media has put too much [more...]

Date: 2007-09-17 19:40:28
Blog: Inman News Blog...

Duh?

A new Federal Reserve study out this week finds a correlation between higher-priced loans and delinquencies (see Inman News story) ... of the country, it's not the loans themselves driving delinquencies and foreclosures, but economic factors ... . There's no reason there can't be two stories here -- that delinquencies and foreclosures a [more...]

Date: 2007-09-13 22:18:29
Blog: Inman News Blog...

Government lurches into action

Gears More than a year after the housing market started showing weakness, several months after mortgage lenders started going belly up, ... as the House version (which would get rid of down payment requirements and boost FHA loan limits ... loan limit is likely to stay in place, however, unless Congress takes action. There's some debate [more...]

Date: 2007-09-19 19:49:26
Blog: Inman News Blog...

One example of the mortgage mess

Interest rates nudged up only slightly over the past week, according to the new Freddie Mac Survey. The average cost of a 30-year fixed rate loan is 6.46 percent, with .50 percent in fees. The average cost for a 15-year loan moved up to 6.15 percent, also with .50 percent in fees [more...]

Date: 2007-09-06 19:07:19
Blog: Inman News Blog...

Resets are not the issue

Moziloompa National Mortgage News will run an interview Monday with Countrywide CEO Angelo Mozilo ... up -- you just refinanced into another loan. Hopefuly, NMN asked Mozilo why Countrywide cut back ARM [more...]

Date: 2007-09-14 22:52:43
Blog: Inman News Blog...

Subprime global perspective

Want a better understanding of the global implications of the complex mechanisms that are used to fund mortgage lending today ( ... to Housing Wire). The report also presents some evidence that it may take some time for mortgage markets ... of 2007, underwriting standards remained lax: "...the combined loan-to-value ratios and credit scores on [more...]

Date: 2007-09-25 17:25:24
Blog: Inman News Blog...

That distant subprime cousin: How you're related

Rubegoldbergbillcollectors Speaking of the complexity of funding mortgage loans (see previous post) ... RMBS," Moody's analysts explain. "The complexity of these exposures, with the subpirme mortgage loan ... , Moody's Investors Service has a report out on the risk the subprime mortgage meltdown could pose [more...]

Date: 2007-09-25 21:33:14
Blog: Inman News Blog...

Truth and reconciliation

Channel surfing last night I stumbled on a LendingTree ad starring none other than the company's CEO, C.D. Davies ... Inman News looks at two online loan brokers, LoanInsights and BuySide Mortgage, who say they're ... . The gist of the spot was that it's a confusing time in the mortgage lending industry [more...]

Date: 2007-09-27 21:48:09
Blog: Inman News Blog...

We know what we're doing

If you believe half of what you read, it's a foregone conclusion that the Federal Reserve's Open Market Committee will cut its target for the federal funds rate -- the rate banks charge each other to loan money overnight -- on Sept. 18, perhaps by as much as 50 basis points [more...]

Date: 2007-09-10 22:53:18
Blog: Inman News Blog...

Dems foreclosure plan: hold a press conference

Hoping to create the impression that they are united in their approach to combating the rising tide of foreclosures, ... portfolios, boost the conforming loan limit, expand FHA loan guarantee programs, and provide money ... new legislation of their own. To a family facing foreclosure, all the criticism the Dems directed [more...]

Date: 2007-10-03 23:21:28
Blog: Inman News Blog...

Fire, ready, aim

So the U.S. didn't really lose 4,000 jobs in August after all -- we picked up 89,000, ... of RBC Capital Markets tells the Associated Press (via Yahoo! Finance). Mortgage broker and syndicated columnist Lou Barnes agrees, saying the September jobs report "dashes hopes for mortgage rates [more...]

Date: 2007-10-05 20:09:33
Blog: Inman News Blog...

Interest rates: "Made In China"

What has America's voracious appetite for all things "Made In China" meant for U.S. home buyers? A 0.5 to 1 percent discount on their mortgage interest rate, according to academics at the University ... by investing in U.S. bonds and mortgage-backed securities (MBS), say Ashok Bardhan and Dwight Jaffee [more...]

Date: 2007-10-01 21:24:20
Blog: Inman News Blog...

Low.com announces LeadMatch

Low.com announces LeadMatch October 4th, 2007 | email this | digg it | trackback | comment RSS feed no comment Posted by Lead Critic Published in ... platform gives brokers and loan officers real-time access to thousands of high quality mortgage leads ... low.com, Lead Generation, Mortgage & Real Estate, Lead Providers, LEAD Management Tagged [more...]

Date: 2007-10-04 15:33:36
Blog: LEAD CRITIC...

Mortgagebot Set To unveil Mortgage Marvel

I am really beginning to feel the winds of change in the lead generation space ... , Mortgage Marvel. Mortgage Marvel’s goal is to improve the consumers experience when shopping for a mortgage. They claim to be the only online mortgage shopping website that delivers real-time quotes [more...]

Date: 2007-10-02 17:18:07
Blog: LEAD CRITIC...

Prepaying Your Mortgage

In my recent post about amortization, I discussed the different categories of repayment. I also mentioned that prepayment, when permitted by your loan, is an excellent way to save money by shortening the loan term. I’d like to expand on that topic and give you an example of the impact [more...]

Date: 2007-10-04 13:25:09
Blog: Better Rates. Together....

Three Principles of Personal Finance: All You Need to Know for Financial Success

More than 10,000 books have been written about personal finance. You could spend a lifetime reading them ... . And it’s not just the mortgage, its property taxes, home owner’s insurance, maintenance [more...]

Date: 2007-10-03 12:20:54
Blog: Mint | Free, Simple Per...

Credit Tips for Home Buyers

Credit Tips for Home Buyers Recent posts on Sweet Digs Seattle: Wowie Galaxie! Where Have All the Slanted Signs Gone? ... . I will sell this house today.” With the recent drama in the mortgage sector due to the sub-prime lending debacle, it’s more important than ever to have your ducks in a row when applying for a loan. Nothing [more...]

Date: 2007-10-01 21:20:45
Blog: Redfin Sweet Digs Seatt...

Bankrate: Merriman Downgrades, Citing Valuation and Mortgage Market Troubles

Bankrate (RATE) shares are coming under some pressure today after Merriman Curhan Ford analyst Richard Fetyko cut his rating on the stock to Neutral ... lending and strong demand for deposit-related advertising could offset future weakness in the mortgage ... with the macro headwinds in the mortgage category.” Bankrate, of course, is a web site that [more...]

Date: 2007-10-02 14:54:16
Blog: Tech Trader Daily - Bar...

Market Hits High - What Are They Smoking?

Market Hits High - What Are They Smoking? Oct 1st, 2007 | business, Politics | No Comments The Dow Jones industrial average opened the fourth quarter by soaring more than 200 points at one point, putting the index well above its previous high set in July. At the close, the Dow was up 191.92 points, or 1.4 percent, at 14,087.55 [more...]

Date: 2007-10-01 22:43:32
Blog: Dowbrigade ...

Goldman’s Curve Busting

Indulge Goldman Sachs Group CEO Lloyd Blankfein for a bit ... in proprietary trading. Now it appears to have known before others about the looming mortgage meltdown — ... -buyout-loan write-downs. It must be particularly galling to Morgan Stanley, which always seems half [more...]

Date: 2007-09-20 13:09:34
Blog: Deal Journal - WSJ.com ...

Premarket: Thornburg Upgraded

Premarket Friedman Billings Ramsey upgraded mortgage lender Thornburg Mortgage this morning after the company raised $1.4 billion in a loan securitization. The news boosted shares by 6%. The brokerage raised its rating ... million. (This story earlier referred to Thornburg Mortgage as a subprime lender. They are not.) [more...]

Date: 2007-09-04 13:06:42
Blog: MarketBeat Blog - WSJ.c...

Premarket: E*Trade Burns the Mortgage

Shares of E*Trade Financial were getting beaten up in premarket activity, losing 5.8% after the company said yesterday that it had been badly hurt by the mortgage market crisis ... of increased provisions for loan losses and potential declines in the value of some securities [more...]

Date: 2007-09-18 12:56:20
Blog: MarketBeat Blog - WSJ.c...

Rethinking Lehman

There’s something to be said for saying all the right things on your earnings conference call ... Chris O’Meara, chief financial officer, provided a bit more detail about the firm’s leveraged-loan and mortgage writedowns and said Lehman believes the “worst of the credit correction seems behind [more...]

Date: 2007-09-18 15:37:13
Blog: MarketBeat Blog - WSJ.c...

Reading: Hair of the Dog

Henny Sender and Serena Ng question the Fed’s moves in today’s Wall Street Journal, suggesting it could cause bigger problems for the credit markets ... David Leonhardt, writing in the New York Times, wonders whether the Fed will be able to reverse ... his decision not to crack down on out-of-control mortgage lending, by saying that bubbles are [more...]

Date: 2007-09-19 14:13:33
Blog: MarketBeat Blog - WSJ.c...

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