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This is the VOA Special English Economics Report, from http://voaspecialenglish.com
One year ago, the United States financial system was in danger of collapse. One of Wall Street’s oldest investment houses had just sought protection from its creditors. The Lehman Brothers bankruptcy on September fifteenth was a shock to the system, but not the only one.
A week earlier, the government had seized Fannie Mae and Freddie Mac. These companies help finance most American housing loans. And one day after Lehman’s failure, the government decided that the huge insurer A.I.G. was too big to fail. The Federal Reserve rescued the American International Group with an eighty-five billion dollar loan.
But soon, credit markets around the world slowed to a halt on fears about the health of banks. By early October, Congress passed the Troubled Asset Relief Program, a rescue plan for the financial system. Banks and other financial companies have received more than two hundred billion dollars. But ten banks agreed in June to repay almost seventy billion of that. And so far, the government has earned about four billion on its investments.
But taxpayers still own almost eighty percent of A.I.G. They also hold big shares of Citigroup and a number of other banks, as well as sixty percent of General Motors.
On the anniversary of the Lehman collapse, President Obama renewed his call for reform of financial supervision. He said in a speech on Wall Street that some of the “old ways” that led to the crisis have already returned. Mister Obama said: “That’s why we need strong rules of the road to guard against the kind of systemic risks we have seen. And we have a responsibility to write and enforce these rules to protect consumers of financial products, taxpayers, and our economy as a whole.”
Fed Chairman Ben Bernanke said that the recession “is very likely over at this point.” But he said the labor market could remain weak through next year.
The United States and China face a growing trade dispute. In September, the Obama administration placed high import taxes on Chinese tires. The aim is to stop what American officials call a “harmful” increase in tire imports. China, in turn, said that it will investigate imports of American chicken products and auto parts. China also asked the World Trade Organization to intervene, to avoid a trade war.
And that’s the VOA Special English Economics Report.
(Adapted from a radio program broadcast 25Sep2009)
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Part 4 (Excerpt)
FHA financing why you should work with a broker: 4% appreciation over the last 17 years
You mentioned earlier that property values are up 71% long term, even though we had this 50% drop. Youre talking about the average 4% appreciation per year since 1992.
Right, I did some calculations I was working on a book last year and one of these days I may get around to publishing it. Its called Real Estates Future and what we were looking at was a statistical model to be able to pick the top and the bottom of all the real estate markets. I hadnt looked at the thing for about a year until I was working with Michael the other day and I started pulling it out and going lets run the model and see where we are in regards to the market, and one of the things I looked at is the last time we saw the bottom of the market was when I was selling houses for the RTC and that was in 1992, the median home price was $76,000. Median home price now is $130,000. That means from 1992 until now it went up 71%, thats after we just saw a 50% decline. So it is up 4% per year on average, and where else are you going to get a return like that? Even if you put 3.5% down on a house you are getting a heck of a lot more than a 4% return. If you look at the internal rate of return it is significantly greater.
Right and dont buy a house because you are looking at a rate of return. If you are a first time home buyer and you can qualify for this program, if you have been living in an apartment for the last three years and you just want to have a better place for yourself and your family to live, I know right now there are a lot of fabulous houses out there for $130,000. I saw one the other day that was listed at $100,000 that I know was probably at least $250,000 a couple of years ago. Yes, four bedroom-three bath houses, we are currently working on several cases at $150,000 or below, in good parts of Maricopa county.
I ran some numbers before as well just looking at the number of homes that sold in Maricopa County in January and in that month 45% of all the houses that were sold, sold for less than $130,000. And when I had the example earlier about the median family could buy a $280,000 that was 85% of the market. 85% of all the houses that were sold in Maricopa County could be purchased by a family of four with a median income.
And you know with the loan limits the way they are with FHA with 3.5% down you can go all the way up to $358,000 and still only put 3.5% down. Pretty much anyone can get in and I would probably say that 90-95% of all the houses sold were within the FHA loan limit. That means you can still get in with 3.5% down, you dont have to have perfect a credit report, you cant have a lot of bumps on it but it doesnt have to be perfect, you dont have to have a huge FICO score.
Do they even look at FICO scores? Its complicated, the Federal Housing Administration does not have a minimum FICO score requirement, however all of the mortgage banks have overlays, so in other words nobody uses just the FHA guidelines, they have their own parameters on top of the FHA requirements. One of the main reasons why you would want to go to a broker instead of directly to your bank is they may or may not have enough overlays that will work in your favor. As a broker we have all of the major mortgage banks and we know the guidelines, so we can make anyone fit into a house that can get approved.
Right and thats always the nice thing about working with a broker because you have, lets say you have 20 banks that you are signed up with and you are FHA with all of them, so you have 20 different sets of guidelines that you can fit the borrower into. If a home buyer went to a bank and they had to do an appraisal and a credit check and all that and then they denied you, you would have to go to a different bank and they would have to do all that same stuff all over again. When you are working with a broker they do it one time and then shop it to 20 different lenders.
Yes, and I have to point something out more importantly, if you go directly to your bank and you do get declined after you have spent the money on all these different things the process is much more difficult because you have to start all over again and the reason you were declined has to be explained as well and it becomes a much more lengthy process. Where as when working with a broker you dont have to do that. We take the hit for you and we move you into the right lender of your choice…
Duration : 0:6:3
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Or… If you’d rather talk with us live.. Just dial us up at 206-905-1901. Our service is 100% Free with no obligations!
—Auto Loans and Car Loans—
Let us find you the right Auto loan. We are experts at helping individuals with good and bad credit obtain car loans for the purchase of a new or used vehicle. We also help individuals refinance any of their existing auto loans or buy their current leased vehicle. All of our new and used car loan services are free and there is no obligation after you apply.
—Bad Credit Auto Loans—
Credit Scores Don’t Matter! Whether you have good or bad credit, we will work hard to help you get an auto loan and finance the vehicle of your dreams. Our staff will work hard to help find you the lowest possible down payment and interest rate. Because of our vast nationwide network of auto finance companies and local car dealers we can help people all over the Country. Don’t worry if you have tax liens, garnishments, judgments or a bankruptcy we can still help you obtain an auto loan or refinance your existing auto loan while saving you time and money.
— New and Used Car Loans—
Take this time to stop worrying about your credit scores and complete our on-line application so you too can take advantage of our free new and used car loans service today. Once you have completed our secure online auto car financing application, Metro financing specialists will process your auto loan requests and contact you shortly with approval information, which will include competitive rates and flexible down payments designed to fit any budget. Don’t wait any longer apply!
Contact Us With Your Car Loan Questions
Please feel free to contact us by phone at (866) 840-1433
or by email at customerservice@DriveItHomeToday.com
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Refinancing a car loan is a process done to lower the rate, lower the payment or pay it off more quickly. Make sure a credit score is at least 600 before considering to refinance a car loan. Shop around before refinancing a car loan with tips from a financial consultant in this free video on credit cards and personal finance.
Expert: Carrie Kukuda
Contact: www.wearehdtv.com
Bio: Carrie Kukuda has a business administration degree, and was branch manager of a community bank.
Filmmaker: Christopher Rokosz
Duration : 0:1:38
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If someone has bad credit, they need to try to raise their credit rating before attempting to get an auto loan. Use a bank or credit union to get an auto loan with tips from a financial consultant in this free video on credit cards and personal finance.
Expert: Carrie Kukuda
Contact: www.wearehdtv.com
Bio: Carrie Kukuda has a business administration degree, and was branch manager of a community bank.
Filmmaker: Christopher Rokosz
Duration : 0:1:20
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Some companies may offer personal loans to people with bad credit, but these loans will most likely come with a very high interest rate. Discover why it’s important to repair credit before attempting to get a loan with help from a financial specialist in this free video on personal loans and money management.
Expert: Matt McKillen
Contact: www.innovativefg.com
Bio: Matthew McKillen has over 21 years of industry experience in arranging loans for his clients.
Filmmaker: Christopher Rokosz
Duration : 0:1:4
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