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The Federal Housing Administration (FHA) has already stepped into a greater role as part of the government’s economic stimulus and real estate revitalization effort. The agency has recently experienced a substantial increase in the number of conventional borrowers refinancing into FHA-supported products. Refinancing business has tripled within the past two years at the FHA, as consumers seek more affordable loans with smaller down payments and lower interest rates.
The market for homes across the USA has never been more challenging for homeowners trying to sell, nor more mind-boggling for buyers shopping among the historically overwhelming inventory of discounted listings. At the same time, mortgage lenders are more stringent than ever due to painful losses due to delinquencies and foreclosures, so it is important to write purchase offers on houses that can hold up to mortgage company and appraiser scrutiny. But beyond the initial sale of a home, legitimate buyer concerns arise regarding the condition of the home – and whether it will continue to provide a problem-free experience after the keys change hands.
The word “candidate” derives from the word “candid”, and politicians running for office this year have learned that voters prefer frank talk, not a sales pitch. The same is true for homeowners shopping for a mortgage. As we prepare for springtime – which is historically the best time to buy a home – it is appropriate to talk about ways to weed out the hype about exotic residential mortgages in favor of old-fashioned fixed rate loans.
Although winter is notoriously sluggish in terms of real estate shopping, the downtime provides a golden opportunity for homeowners to enhance their property’s marketability. Here are five simple ways to pump-up your listing, even during the winter lull...
Well, Fannie, Freddie and Ginnie aren’t people, they are institutions. They are the shortened names for Fannie Mae (FNMA-Federal National Mortgage Association), Freddie Mac (FHLMC -Federal Home Loan Mortgage Corporation) and Ginnie Mae (GNMA-Government National Mortgage Association). They are the big three, and they buy the majority of mortgages for all homes across the nation.
Price pressures continue to strengthen the bargaining positions of buyers, while homeowners are feeling more desperate to sell, regardless of how many concessions they might have to make to close their deals. With more than half a million brand new homes languishing on the market unsold and a glut of existing homes that will take an estimated 8-9 months to sell, buyers have plenty of reasons to rejoice. 
Buying a house is a major financial and legal process that typically encompasses a wide range of smaller transactions along the way. A single real estate sale – no matter how simple – will usually involve a smorgasbord of different specialties, professions, and areas of expertise, not to mention the potential for myriad emotional and psychological demands and reactions. For most consumers a real estate purchase does, in fact, represent the most comprehensive and complex deal of an entire lifetime. 
Summertime is right around the corner. And with the right amount of cash on hand we can take full advantage of travel and vacations; complete a long list of to-do projects around the house, or pay for all those amenities, gadgets, and toys that make summer more enjoyable. 
The summer of 2006 was the season for seller shock as buyers took control of the housing market and homeowners watched the value of their homes plummet. Coming away from those experiences homeowners got creative, and during the first half of 2007 they pulled out every trick in the book to lure buyers.