Uncle Sam outs lenders' poor mortgage modification performance

In its latest "Making Home Affordable Housing Scorecard," the Treasury says the Bank of America, JPMorgan Chase, Ocwen Loan Servicing, and Wells Fargo need “substantial” improvement in their Home Affordable Modification Program (HAMP) efforts.

by Broderick Perkins
© 2011 DeadlineNews.Com

Unauthorized use of this story is a copyright violation -- a federal crime

Deadline Newsroom - The U.S. Treasury is outing mortgage servicers who fail to meet federal mortgage modification program guidelines and is withholding financial incentives for the worst performers.

In its latest "Making Home Affordable Housing Scorecard," the Treasury says the Bank of America, JPMorgan Chase, Ocwen Loan Servicing, and Wells Fargo need “substantial” improvement in their Home Affordable Modification Program (HAMP) efforts.

Reporting how individual servicers failed to reach HAMP goals is new and long overdue on the monthly scorecard.

“Beginning this month (June), the Treasury Department is withholding financial incentives for three servicers: Bank of America, NA; JP Morgan Chase Bank, NA; and Wells Fargo Bank, N.A.,” the Treasury reported on the May scorecard.

Get the full story: "Uncle Sam Airs Lenders’ Dirty Laundry In Mortgage Modification Mess"

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© 2010 DeadlineNews.Com

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You are reading a sample of "News that really hits home!" now available from several beats and published in a growing number of locations.

Broderick Perkins, an award-winning consumer journalist, parlayed 30 years of old-school journalism into a digital real estate news service, the San Jose, CA-based DeadlineNews Group, including DeadlineNews.Com, a real estate news and consulting service and Web site, and the Deadline Newsroom, DeadlineNews.Com's news back shop.

Under the DeadlineNews Group umbrella:

Perkins was the first Examiner to cover three beats for the Examiner.com news service:
• National Real Estate Examiner
• National Consumer News Examiner
• National Offbeat News Examiner

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Lower rates opens doors for refinancing homeowners, home buyers

Credit card squeeze continues

If you purchased a home a year ago, take a look at how much you can save by refinancing. If you are renting, take a look at how much less you can pay per month to own a home. The American Dream is alive and well.

by Broderick Perkins
© 2008 DeadlineNews.Com

Unauthorized use of this story is a copyright violation -- a federal crime

Deadline Newsroom - If you purchased a home a year ago and have the equity and creditworthiness to swing it, a refinance today could save you hundreds of dollars a month, thanks to lower interest rates.

Or, if you are in the market to buy a home, lower interest rates and more affordable prices could give you a mortgage that's hundreds of dollars lower than your rent.

Freddie Mac's Primary Mortgage Market Survey last week put the average fixed interest rate for 30-year conforming mortgages at 4.91 percent. In California it was 4.88 percent.

Last year at this time, the 30-year fixed rate mortgage (FRM) nationwide averaged 6.14 percent.

On a $500,000 mortgage, considered a "jumbo conforming loan," expect to pay about a quarter percent more, says Michael D. Rodriguez broker owner of Platinum Capital Mortgage And Real Estate in Salinas, CA.

So at 6.39 percent a year ago, the mortgage (principal and interest) payment on that $500,000 loan would be about $3,124 compared to about $2,733 now for the cheaper 5.16 percent mortgage, a hefty monthly savings of nearly $400, according to Erate.com mortgage calculators.

Put another way, $4,800 a year, is just about enough to cover property taxes, make almost two mortgage payments or perform some equity-boosting home improvements.

Rodriguez says for conforming level loans at or below $417,000, he's seen fixed rates as low as 4.25 percent, with a point thrown in. Each point equals one percent of the financed amount. Riskier loans that come with a fixed rate for five years are as low as 3.875 percent, but they could adjust up drastically after the fifth year.

Freddie Mac also said the 15-year FRM averaged 4.36 percent, down from 5.81 percent a year ago.

The five-year Treasury-indexed hybrid adjustable rate mortgage (ARM) averaged 4.29 percent this week, down from 5.98 percent a year ago. The one-year Treasury-indexed ARM averaged 4.46 percent, down from 5.33 percent in 2009 at this time.

"These are the lowest rates I've seen in 18 years. There are 25 percent more eligible buyers than last year because of lower rates and lower home prices," Rodriguez said.

He also said because rents have risen in the past year, some buyers could land a monthly mortgage on a low-end priced home that's as much as $350 to $500 cheaper than rent.

"And then they get the $8,000 tax credit. That's quite a deal," he added.

Both home buyers and owners who want to refinance also could have some time-based wiggle room to shop around and dicker for the best interest rate deal.

"Keeping rates at historically low levels for a sustained period of time has to remain a cornerstone of Fed policy until the economy gets back on track," said Nancy Osborne, chief operating officer of Erate.com, a Santa Clara, CA based interest rate tracker and financial information publisher.

"I don't suspect rates will begin to rise until we see at least three consecutive months of solid employment growth," she added.

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© 2008 DeadlineNews.Com

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You are reading a sample of "News that really hits home!", now available from several beats and published in a growing number of locations.

Broderick Perkins, an award-winning consumer journalist, parlayed 30 years of old-school journalism into a digital real estate news service, the San Jose, CA-based DeadlineNews Group, including DeadlineNews.Com, a real estate news and consulting service and Web site, and the Deadline Newsroom, DeadlineNews.Com's news back shop.

Perkins is also the first Examiner to cover three beats for the Examiner.com news service:
• National Offbeat News Examiner
• National Consumer News Examiner
• National Real Estate Examiner

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Deadline Newsroom Update 4/4/08

Deadline Newsroom Update - March found California at a crossroads, along with the rest of the economy; Echo Boomers stepped up; lenders who once wanted to sell homes were wishing they could step back; sustainable solar, lighting and green lifestyles got more entrenched; the economy stagnated, braced for recession and homeowners discovered there's lots to do around the house -- other than spend money, but including actually saving money; another housing portal opened up with Google-like search tools; taxes became more certain than death and credit and mortgage markets remained moribund. Hope, as always, sprang eternal.

Compiled by the Deadline Newsroom
© 2008 DeadlineNews.Com

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And now, back to the show...so much news, so little time.

FROM THE DEADLINE NEWSROOM

When Will Housing Recover?
An ongoing Deadline Newsroom Poll "When Will Housing Recover," found 35 percent (the largest group) betting it will recover sometime after 2010; 25 percent believe 2010 will see the housing market turnaround; 24 percent say 2009 will usher in the beginning of the end of the housing slump and 15 percent remain under the impression 2008 will find a cure for the housing hangover (they must not be reading DeadlineNews.Com).

Home Prices May Not Rebound Until 2010
Yeah, that's what we said.

• Top Story: 12 Tax Breaks, On The House (The Original)

Market News

• California Cold To 'Jumbo Conforming' Loans

• California Prices Hit Hard, Sales Leveling

• No Recession (Forecast) For CA, Nation

• Word On The Street: Housing Market Grim

• Homeowner Bailout Time?

• Echo Boomers Rock

• Karma: My Name Is REO

Consumer News

• 'Top Ten Things To Look For In A Realtor'

• Give Green Lighting A Go

• Solar Sizzles In San Jose

• Cultivating A Green Lifestyle At Home

• Location Dictates Maintenance Chores

• Wringing Out: Inspections After Floods

• Painting Your House

• Indoor Air Quality Management At Home

• DotHomes Is In The House

• Selling Strategies To Ease The Squeeze

Seconds Anyone?

• Spiff Up Vacation Rentals

Finance News

• No Place Like Home For Saving Money

• California Cold To 'Jumbo Conforming' Loans

• Seller Financing Coming Around Again

• 12 Tax Breaks On The House

• Fed Cuts Deep On Blue Tuesday

• Counselors: Lenders Foreclose Rather Than Modify

• Real Estate Investment Basics

© 2008 DeadlineNews.Com

DeadlineNews.Com's Content Is Intellectual Property • Unauthorized Use Is A Federal Crime

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News From Elsewhere...It Also Hits Home

Consumer
Rookie Mistakes Pitfalls of the First Purchase
Governor Kroszner: Protecting Homeowners, Homeownership
'House Stealing' Scam Combines Identity Theft, Mortgage Fraud

Finance, Credit
Fannie Mae: 580 Credit Score Or Better Or Fugedaboudit
FHA Loans Grow Costly as Banks Add Fees
Mortgage Market Synopsis
Federal Reserve Pumps In Another $50 Billion
Why Mortgage Rates Aren't Lower

Markets (Who was it said the market would turn around in 2008?)
Where Will Housing Market Go Next?
What's It Worth? Housing Outlook 2008
Bush Administration's Sweeping Plan To Overhaul Financial Regulation
Home Price Rebound Two Years Off?
Texas Is the Hot Place to Live
NAR Optimists Drubbed by their Own Dismal Data
Home Prices Off Peak By More Than 15 Percent
New Home Sales Worst Since 1995
Condo Glut To Worsen

DeadlineNews.Com: 'Best Repurposing Of A Realty Journalist'
"Fun, credible, astute and up to date."

Trends/Commentary
Lots Of Uncertainty Developing In The Market For New Homes
Like We Said: Maybe The Media Didn't Report Enough
Oregon's Property Rights Debate, Lesson
Venice Plans For Sea Level Rise
Water World...After The Ocean's Rise

Business/Commercial Real Estate
Nada this month.

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Broderick Perkins, an award-winning consumer journalist of 30 years, is publisher and executive editor of San Jose, CA-based DeadlineNews.Com, a real estate news and consulting service, and the new Deadline Newsroom, DeadlineNews.Com's new backshop. In both cases, it's where all the news really hits home.

Editorial Content Is Intellectual Property • Unauthorized Use Is A Federal Crime

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Deadline Newsroom Update 2/29/08

Deadline Newsroom Update -- Like we say, all the news that really hits home and this week you really need these hits: Tax breaks, on the house; Karma: My Name Is REO; Selling strategies you may have overlooked; Indoor air quality; Equity sharing; Foreclosure bussing; More 'Hope Now'; Luxury housing booming on; Marin County hasn't quite gone to The Birds; Architect choosing tips and more.

Compiled by the Deadline Newsroom
© 2008 DeadlineNews.Com

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The Deadline Newsroom Update is open for an advertising sponsor. The update goes weekly with a sponsor. Otherwise we post when we can. It's a good time to buy sponsorships on growing real estate news portals. When the venture capitalists discover us, you'll be out in the cold. Contact us at editor@deadlinenews.com and put "Deadline Newsroom Update Sponsor" in the subject line. The rate is $200 per month on a month-to-month basis; $150 per month with a long-term contract of six months or more, billed monthly.

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• We Produce Newsletters Too See our samples. Newsletters got us started way back when. We are experts in design and development.

And now, back to the show.

FROM THE DEADLINE NEWSROOM

• Top Story: Dozen Tax Breaks, On The House (The Original)

• Just as important: Banking Karma: California Foreclosures Outpace Sales

Market News

Time For A Major Homeowner Bailout?

Echo Boomers Invade West, Urban Cores

Update 2008: Marin County, CA

Consumer News

Selling Strategies To Ease The Squeeze

Get On The Bus, Take The 'F' Line

Indoor Air Quality Management At Home

Blueprint For Choosing The Right Architect

Second Home Front

Luxury Housing Booms On

Finance News

Ins, Outs Of Equity Sharing

Mortgage 'Lifeline' For More 'Hope Now'

© 2008 DeadlineNews.Com

DeadlineNews.Com's Editorial Content Is Intellectual Property - Unauthorized Use Is A Federal Crime

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NEWS FROM ELSEWHERE THAT ALSO HITS HOME

Consumer
Will Bargain Hunters Lift Spring Market
23 Million TV Sets May Go Dark In DTV Switchover
Pitching Boomers Housing That Is Green As Their Hair Goes Gray
The Real Price Of Going Green With Your House

Finance, Credit
Mortgages: 40 Is The New 30
Bush To Mortgage Relief Bill...Who Voted For This Guy?
1031 Tax Exchanges To Apply To Variety of Second Homes
One In 10 Home Loans Under Water
FHASecure Helps 100,000 Americans Stay In Their Homes
Treasury Secretary Dismisses Mortgage Rescue Plans
U.S. Mortgage Rates Erase Three Months Of Declines
Fewer Consumers Get Mortgage
Urban Forelcosures Up
Fannie Mae Combats Appraisal Fraud

MARKETS (Who said the market would turn around in 2008?)
This House Was A Steal
Rural Iowa's Foreclosure Problems
Subprime Ghost Town
Bets Off In All But 5 of 61 Vegas ZIP Codes
How Bad Is It, Really?
Case Shiller Reveals Across-the-Board Housing Market Declines
Declining Home Prices, Rising Mortgage Rates

DeadlineNews.Com: 'Best Repurposing Of A Realty Journalist'
"Fun, credible, astute and up to date."

TRENDS/COMMENTARY
Mortgage Crisis A '50-state Katrina'
Credit Panic
NAHB Condemns Domestic Terrorism Near Seattle
So Many Empty Homes, So Few Solultions
Investment Firms Buying Mortgages

BUSINESS/COMMERCIAL REAL ESTATE
Fannie, Freddie To New York: No More Loaded Appraisals
Why Don't Realtors Use Better Photos?
Fed Wants Report On Loan Modifications
Banks To Provide Data On Mortgages
Foreclosure Bus Tours Deemed 'Negative News'
Christ Almighty! Wasn't the whole idea to get marketing publicity? What do real estate people WANT?

DeadlineNews.Com's Editorial Content Is Intellectual Property - Unauthorized Use Is A Federal Crime

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Deadline Newsroom Update 2/15/08

Deadline Newsroom Update (Formerly the "Feed") -- California's rejiggered home price forecast is the top news of 2008 so far, but there's much, much more. Take the deal you can get on condos as a second home; house lust; the need for MORE real estate coverage in the media, not LESS! (consumers, sold a diet of trade journal news, apparently are really, really confused about what's really happening in the housing market); a record homeownership rate plunge; trouble in second home markets; and just tons of help for real estate consumers in the mortage morass category. It's all here from the ONLY media outlet where you get ALL the news that REALLY hits home.

Compiled by the Deadline Newsroom
© 2008 DeadlineNews.Com

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The Deadline Newsroom Update is open for an advertising sponsor. The update goes weekly with a sponsor. Otherwise we post when we can. It's a good time to buy sponsorships on growing real estate news portals. When the venture capitalists discover us, you'll be out in the cold. Contact us at editor@deadlinenews.com and put "Deadline Newsroom Update Sponsor" in the subject line. The rate is $200 per month on a month-to-month basis; $150 per month with a long-term contract of six months or more, billed monthly.

• Be Sure To Visit The Deadline Newsroom Open House

• DeadlineNews.Com Digest Recent news that hit home, but you missed it.

• Advertise with the DeadlineNews Group It's a good time to advertise.

• DeadlineNews.Com Retail Outlet Real estate, housing related items from A to Z. Don't stop giving just because the holidays are nearly over.

• We Produce Newsletters Too See our samples. Newsletters got us started way back when. We are experts in design and development.

And now, back to the show.

FROM THE DEADLINE NEWSROOM

• Top Story: California and the Economic Stimulus Act of 2008

Consumer News

• Condos Pay Off As Second Homes

• Buyers Likely Won't Pay For Improvements

• Cool LEDs Get 'Green' Light

• Good General Contractors Outnumber Bad

• House Lust

• Digital TV (DTV) One Year Away

Market News

• SoCal Wildfire Recovery Update

• Housing Hangover Confuses Consumers

• Housing Needs MORE Coverage, Not Less

• Record Homeownership Rate Plunge

• Realty Auction Action

• Viva, Viva Las Vegas

• Hawaiian Vacation Home Squeeze

• Silicon Valley Buyers Could Strike Gold

Seconds Anyone?

• Aspen's Vacation Home Alarm

• Second Home Security

• Hawaii Vacation Home Squeeze Expands

Finance News

• Stopping ID Theft, Cold

• Flushing Out Financial Funk

• Use Home Equity Protection

• Beginners Guide To Mortgage Shopping

• Bankruptcy's Early Warning Signs

• Home Equity Loan Meltdown

• Subprime Borrowers Get Hope...Now

© 2008 DeadlineNews.Com

DeadlineNews.Com's Editorial Content Is Intellectual Property - Unauthorized Use Is A Federal Crime

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NEWS FROM ELSEWHERE THAT ALSO HITS HOME

Consumer
The Candidates And The Subprime Mess
Boomers Drive Timber-Framed Market
Sellers See Home Prices Fall Below Mortgage

Finance, Credit
Banks Freezing Credit Lines
" target="_blank">Foreclosures To Double
Revenge Of The Liar Loans
Zero-Downs Out
Foreclosure Fallout Spreads To Muni Bonds
States: Foreclosures Up Next Year

MARKETS (DOWN, DOwn, Down, down...)
Examing The Forecasts
Wear And Tear In Utah
Appreciating Markets
Morgan Hill, CA Update
Sunnyvale, CA Update
Manhattan Hits A Wall
Lower Hudson Valley Murky
Sarasota, FL Worse In The '30s
Can Feds Save Orange County
Lake Properties In Monticello, IN
Salem, OR Dodges Bullet
DeadlineNews.Com: 'Best Repurposing Of A Realty Journalist'
"Fun, credible, astute and up to date."

TRENDS/COMMENTARY
Bankruptcy Law Adjustments To Have Little Impact

BUSINESS/COMMERCIAL REAL ESTATE
Despite Housing Slide, Real Estate Sites Sell
How To Prosper With Housing Hangover

DeadlineNews.Com's Editorial Content Is Intellectual Property - Unauthorized Use Is A Federal Crime

Read more!

Deadline Newsroom Feed 1/11/08

Will 2008 end the housing bust? Vacation rentals get boost from weak U.S. dollar, Google listings. Idahoans worship the ground they live on. Buyers cheer reverse migration. Free pictorial listings for "Fantasy Homes"

Compiled by the Deadline Newsroom
© 2008 DeadlineNews.Com

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Our weekly Deadline Newsroom Feed is looking for a new advertising sponsor. We lost our old sponsor to the housing market wreck. It's a good time to buy ads on growing real estate news portals! Contact us at editor@deadlinenews.com and put "Deadline Newsroom Feed Sponsor" in the subject line. The rate is $200 per month on a month-to-month basis; $150 per month with a long-term contract, of six months or more, billed monthly. Remember, everything in real estate, especially in this market, is negotiable!

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• DeadlineNews.Com Digest Recent news that hit home, but you missed it.
• Advertise with the DeadlineNews Group It's a good time to advertise.
• DeadlineNews.Com Retail Outlet Real estate, housing related items from A to Z. Don't stop giving just because the holidays are nearly over.
• We Produce Newsletters Too See our samples. Newsletters got us started way back when. We are experts in design and development.

And now, back to the show.

FROM THE DEADLINE NEWSROOM

National Housing Bust: Four More Quarters
Nationwide, 2008 is the last year of doom and gloom, according to one major forecaster.

California New Home Rebound Forecast
Building hits bottom by second half of 2007.

Foreign Travel To Boost 2008 Vacation Home Market
Foreigners cashing in on the weak U.S. dollar to buy homes in America are also expected to boost the nation's 2008 vacation home rental market.

Vacation Rentals Get Free Google Listing
Like Craig's List it's free, but Goggle Base offers much more of the polished pizzazz you typically associate with professional online vacation rental listing Web sites.

Reverse Migration Favoring Buyers
A reverse migration shift is taking the pricing pressure off some markets and that could give more buyers an incentive to get off the fence. Here's how to cash in on the shift.

Idahoans' Faith Boosts Home Values
Call it the "Temple Effect". If you build them, they will come looking for homes.

Know How Long Your Home Will Last?
Knowledge of components' life expectancies is what homeowner associations use, in part, to build a reserve fund designed to spread, over time, the cost of the inevitable.

© 2008 DeadlineNews.Com

DeadlineNews.Com's Editorial Content Is Intellectual Property - Unauthorized Use Is A Federal Crime

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Wanted: SV "Fantasy Home" Listings

DeadlineNews.Com is the new content provider for the San Jose Mercury News' "Fantasy Home" feature (online and in print), which is expanding to twice a week. Here's a sample "Fantasy Home" listing. We need more Fantasy Homes like it. It should be unique, historic, have a view to die for or otherwise be worthy of the "fantasy" label. Your client will enjoy the special exposure. Send a link to your qualified "Fantasy Home" listing to editor@deadlinenews.com, put "Fantasy Home" in the subject line and we'll be in touch. Thanks much. And now...back to the news...


News from elsewhere...

CONSUMER

What Buyers Want
So give them what they want.

New Silicon Valley Loan Plans
Hoping to reduce the high cost of home ownership for first-time buyers in Silicon Valley, the Housing Trust of Santa Clara County on Wednesday announced two new loan programs for low- and moderate-income residents.

Owning vs. Renting: Miles Apart
U.S. house prices "likely would have to fall considerably" to return to
a normal relationship with rents, says a study by one former and two
current Federal Reserve economists.

FINANCE

With Millions Of Cheated US Homeowners, Americas Watchdog Demands Banks and Mortgage Bankers Dislose The Yield Spread Premium Kick Back On All US Mortgages
The story is as intense as the title.

Credit Crunch Big 2008 Spoiler
Just last summer, analysts were predicting the subprime mortgage mess had been "contained," big bank CEOs were "dancing" over the liquidity flowing in credit markets and private-equity titans yearned in Soprano-like fashion to "kill off" the competition.

MARKETS

NAR: Market Likely Stabilizing
]This is what really pisses consumers off and then guess who gets the blame? The media for reporting that NAR went out on a limb and was wrong.

Coping With Another Down Year
Most economists caution that their real estate forecasts for this year stand on shaky ground. No kidding. This story does offer coping tips for consumers. Hang in there.

Let's Hope The Optimists Are Right
The trouble with trying to find and publish all the "good news"? Reporting reality suffers. The housing market is in the tank. Deal with it and move on.

Grubb & Ellis Forecasts Fewer Real Estate Deals in 2008
Specifically, Grubb & Ellis forecasts that the multi-housing market will remain sound this year -- for investors.

DeadlineNews.Com: 'Best Repurposing Of A Realty Journalist'
"Fun, credible, astute and up to date."

TRENDS/COMMENTARY

Housing Slump to Continue: Fannie CEO
Bad home loans, eroding profits at a time when home prices are falling and foreclosures are spiking on high-risk mortgages.

Hub Fed Chief: Housing Prices Might Plunge
The residential real estate market is going through its worst investment period in 50 years.

Phenomenal Impact Of Mortgage Crisis
Numerous foreclosures and vacant properties mean dramatically reduced property and sales tax revenues and hence significant budgeting shortfalls.

Fed Won't Save Real Estate
...or consumers.

Reckless Debt Responsible For Real Estate Woes
The cleanup will take longer than most category 5 hurricanes.

BUSINESS/COMMERCIAL REAL ESTATE

Realtors Quitting
McMahon is one of thousands of real estate agents across the US wandering with mixed emotions and uncertain prospects through the debris of a real estate implosion.

DeadlineNews.Com's Editorial Content Is Intellectual Property - Unauthorized Use Is A Federal Crime

Read more!

Deadline Newsroom Feed 12/28/07 Special Edition

The housing market upheaval continues unabated; SF Bay Area market sales plummet to record lows; There's good and bad news from the second home market; Another journalist takes up the anti-media bashing bashing; America becomes the United Metros of America; And even renters are paying more just to feel at home.

Compiled by Broderick Perkins
© 2008 DeadlineNews.Com

Deadline Newsroom Feed – Here's what you may have missed: The housing market upheaval continues unabated (But we thought if the media wasn't around to tell you what's happening, it would all go away! Silly us! ); SF Bay Area market sales plummet to record lows; There's good and bad news from the second home market; Another journalist takes up the anti-media bashing bashing; America becomes the United Metros of America (Boy have you been away, way too long); And even renters are paying more just to feel at home.

On the finance side? Forget that meager tax benefit for those with forgiven debt. The same new federal law extends the mortgage insurance tax deduction for three more years! We tell you how to submit an honest mortgage application; How Americans are split on the subprime bailout; That homeowner insurance premiums should not get scorched because of the SoCal wildfires; And all about a YouTube foreclosure fraud prevention dramatization from staid Freddie Mac. The world IS changing! There's much, much more.

The Deadline Newsroom Feed offers an update of all the news that really hits home. At the top of the fold, it's DeadlineNews.Com's award winding coverage of everything that's residential real estate relevant, and then comes relevant realty news we choose from outside our newsroom. We've been away for a few weeks, so we've got a ton of our own home hitting news to share on this feed. We'll return to our regularly scheduled news-from-us-and-them in the coming weeks, but we've got enough of our own stuff and we want to make sure you haven't missed a word. So hold onto your door keysters.

YOUR AD LOGO/LINK HERE!!
Our weekly Deadline Newsroom Feed is looking for a new advertising sponsor. We lost our old sponsor to the housing market wreck. It's a good time to buy ads on this growing real estate news portal! Contact us at editor@deadlinenews.com and put "Deadline Newsroom Feed Sponsor" in the subject line. The rate is $200 per month on a month-to-month basis; $150 per month with a long-term contract, of six months or more, billed monthly. Remember, everything in real estate, especially in this market, is negotiable! Let's talk.

Be Sure To Visit The Deadline Newsroom Open House

• DeadlineNews.Com Digest Recent news that hit home, but you missed it.
• Advertise with the DeadlineNews Group It's a good time to advertise.
• DeadlineNews.Com Retail Outlet Real estate, housing related items from A to Z. Don't stop giving just because the holidays are nearly over.
• We Produce Newsletters Too See our samples. Newsletters got us started way back when. We are experts in original newsletter design and development.

And now, back to the show.

FROM THE DEADLINE NEWSROOM

SF Bay Area Market's Deep Freeze
November 2007 was the slowest sales month in DataQuick's record books, which date back to 1988.

Maui Vacation Rentals Shuttered
It's getting tough to find homey vacation rentals on several Hawaiian islands.

Second Home Fire Sale For Foreigners
Weak dollar, falling prices = Blue Light Special.

Energy Saving Home Improvements
Home improvements that shore up lost equity and improve the home's value.

Media Bashing and the Real Estate Market
Dena Kouremetis bashes media bashing.

It's Not Winter Yet?
Killer storms suggest preparation is the name of the game.

United Metros of America
Washington fiddles as metropolitan areas put out the fires.

DeGeneres Dances Off With $4 Mil Profit
Who says you can't make a profit on real estate in the current market?

Smart Growth Awards Promote Smart Growth
Manhattan, Portland, Seattle, Vermont and Barnstable, MA make smart growth leader list.

Renters Pay More For 'Sense of Community'
Apparently it's worth as much as nearly $450 extra a month.

Holiday Security For High-Density Living
It's buying time. Buy into security too.

Historic Home Price Declines Shadow Housing Market
History-making home price declines were recently announced.

'Tis The Season, Defer Maintenance No Longer
Things get crazy around the holidays. Don't forget the chores.

FINANCE

Mortgage Insurance Tax Deduction Extended
Mortgage debt forgiveness tax relief law extends mortgage insurance tax benefits. (Say that fast five times.)

Submitting An Honest Mortgage Application
Lenders are keeping an eagle eye out for fraud. Don't lie.

Americans Split On Subprime Bailout
Borrowers, others nearly equally to blame for mortgage morass.

SoCal Wildfires Won't Scorch Insurance Premiums
SoCal wildfires not likely to boost homeowner insurance premiums. Yahoo!

YouTube Video Fights Foreclosure Fraud
Freddie Mac is using YouTube drama to get the word out about foreclosure fraud.

Burning Down The House
Homeowners illegally supply the fuel, we turn up the music.

Subprime Loans Can Work
Don't count subprime loans out.

Smoothing The Rough Refinancing Road
Lower rates offer financial buoyancy.

DeadlineNews.Com: 'Best Repurposing Of A Realty Journalist'
"Fun, credible, astute and up to date."

© 2008 DeadlineNews.Com

DeadlineNews.Com's Editorial Content Is Intellectual Property - Unauthorized Use Is A Federal Crime

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News from elsewhere...

Come back next week...for news in these sectors outside the newsroom. Happy New Year!! Don't be a fool! Stay sober and cool!

CONSUMER

FINANCE

MARKETS

TRENDS/COMMENTARY

BUSINESS/COMMERCIAL REAL ESTATE

DeadlineNews.Com's Editorial Content Is Intellectual Property - Unauthorized Use Is A Federal Crime

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Deadline Newsroom Feed 11/30/07

Compiled by Broderick Perkins
© 2007 DeadlineNews.Com

Deadline Newsroom Feed – DeadlineNews.Com offers a look at all the news that really hit home last week, as well as coverage outside the Deadline Newsroom. This week? Brutal. Record-setting home price declines from New England to Southern California. Some refinancing relief for those who can navigate the new hard money system. Failing FSBOs. Drought (as in climate change AND a withering housing market). And on the brighter side, a gutter-cleaning robot winner and, if you've still got enough equity money left, gifts that really hit home. Happy holidays.

Our weekly Deadline Newsroom Feed is looking for an advertising sponsor. Contact us at editor@deadlinenews.com and put "Deadline Newsroom Feed Sponsor" in the subject line. The rate is $200 per month on a month-to-month basis; $150 per month with a long-term contract, billed monthly.

Be Sure To Visit The Deadline Newsroom Open House

• DeadlineNews.Com Digest Recent news that hit home.
• Advertise with the DeadlineNews Group Three options: Web site, blog, Google.
• DeadlineNews.Com Retail Outlet Real estate, housing related items from A to Z.
• We Produce Newsletters Too See our samples.

FROM THE DEADLINE NEWSROOM

Historic Home Price Declines Shadow Housing Market
A host of history-making home price declines announced this week portend a prolonged downturn.

Silicon Valley's Micro Markets
If you are buying or selling a home in Silicon Valley, now is the time, perhaps more than ever, to be sure you hire someone who has his or her finger on the pulse of a specific micro-market.

Smoothing The Rough Road To Refinancing
How to slip through the window of low rates to slam the door on ARM resets.

Give Thanks For Lower Rates
Don't stop giving thanks just yet. Home mortgage interest rates have been flat or falling since early October.

More Gifts That Really Hit Home
We've got a list for you and we've checked it twice to make sure you get the most housing bang for your holiday spending bucks.

Gutter-Cleaning Robot Honored
iRobot's "Looj" (you guessed it, sounds like "luge") cleaned up in the Best of Innovations Design and Engineering Award category at the 2008 International Consumer Electronic Showcase.

Buyers, Sellers: Realty Agents Rule
From the feel-good real estate news department: real estate agents continue to get the job done even in the softer housing market, according to buyers and sellers who hire them.

FSBOs Fall Flat
For-sale-by-owner or 'FSBO' transactions in the softening real estate market experienced zero growth last year, according to the National Association of Realtors (NAR).

Buying A Home Remains Good Deal
Spread the word. Whatever happens in Las Vegas doesn't necessarily stay in Las Vegas. But that's a good thing when it comes to home buying.

Droughts Impact 'Location' Buying Factor
If you are considering a move to a growing number of regions, be prepared to live a lifestyle heavily influenced by dry weather conditions.

© 2007 DeadlineNews.Com

DeadlineNews.Com's Editorial Content Is Intellectual Property - Unauthorized Use Is A Federal Crime

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News from elsewhere...

CONSUMER

Ins, Outs With 2008 Homebuyers
What do home buyers want, not want?

FINANCE

FTC Releases Survey of Identity Theft: 8.3 Million Victims in 2005
San Diego, CA. - The Federal Trade Commission today released a survey showing that 8.3 million American adults, or 3.7 percent of all American adults, were victims of identity theft in 2005.

Mortgage Crisis Jeopardizing Working Class Families
Before millions of mortgages reset, Congress should freeze all balloon payments and convert them into mortgage extensions at reduced interest.

Legislators Look To Resolve Subprime Crisis Quickly. That Would Be a First
In general, the government and the coalition have largely agreed to extend the lower introductory rate on home loans for certain borrowers
who will have trouble making payments once their mortgages increase.

Banks Join To Consider Freezing Subprimes
A coalition of major banks with exposure to problem subprime mortgages is finalizing a plan to freeze hundreds of thousands
of adjustable-rate home loans at low introductory rates.

MARKETS

Mortgage Crisis Hits Home For Troops, Veterans
Except in very rare cases, VA does not refinance mortgages it didn't sell.

Home Prices Falling Everywhere Says S&P
U.S. home prices were falling in every region of the country in September, according to a closely watched index of home prices released Tuesday.

California First In, Last Out
As California goes, so goes the country. Only in the case of falling off the housing precipice the country went first.

Cool Market Slowdown With Carefully Applied Aid
How it's done.

Economist Sees Housing Market Improvement In 2008
Lawrence Yun, the new chief economist of the National Association of Realtors, during his organization's fall conference, and said there should be improvement in 2008 as problems with the credit crunch are overcome.

Third Quarter Multihousing Numbers Mixed, Better for Rentals
The most recent quarterly data show condo activity and prices on the decline, especially among existing condos, while the rental market is sending mixed signals.

DeadlineNews.Com: 'Best Repurposing Of A Realty Journalist'
"Fun, credible, astute and up to date."

TRENDS/COMMENTARY

Climate Change May Cost Florida $345
If nothing is done to combat global warming.

Optimism Only Hope For Real Estate
Of course, if cheap money isn't enough to keep the housing markets from slumping further, there's always another factor that can be used to goose sales.

BUSINESS/COMMERCIAL REAL ESTATE

Targeting the Internet Generation
Prudential California Realty Associate Broker Linnette Edwards is a GenY-er who targets her peers - a population that is second in size only to the Baby Boomers. Her first real estate transaction was an e-lead and since then, she’s built her business entirely on Web-based marketing.

The Holidays Are Upon Us. Is Your Housing Client, Professional or Friend On The List?
St. Joseph The Home Seller kits. Clock houses. Monopoly. House warming gifts. Come 'n' get 'em.

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Broderick Perkins, an award-winning consumer journalist of 30 years, is publisher and executive editor of San Jose, CA-based DeadlineNews.Com, a real estate news and consulting service, and the new Deadline Newsroom, DeadlineNews.Com's new backshop. In both cases, it's where all the news really hits home.

DeadlineNews.Com's Editorial Content Is Intellectual Property - Unauthorized Use Is A Federal Crime

Read more!

Deadline Newsroom Feed 11/16/07

Compiled by Broderick Perkins
© 2007 DeadlineNews.Com

(There will be no Deadline Newsroom Feed 11/23/07)

Deadline Newsroom Feed – DeadlineNews.Com offers a look at all the news that really hit home last week, as well as coverage outside the Deadline Newsroom. This week: Finding real realty news; foreclosure fallout; online privacy policy knowledge gap; buyers getting short shrift on available information; the NAR convention; more of the same market blues.

Our weekly Deadline Newsroom Feed is looking for an advertising sponsor. Contact us at editor@deadlinenews.com and put "Deadline Newsroom Feed Sponsor" in the subject line. The rate is $200 per month on a month-to-month basis; $150 per month with a long-term contract, billed monthly.

Be Sure To Visit The Deadline Newsroom Open House

• DeadlineNews.Com Digest Recent news that hit home.
• Advertise with the DeadlineNews Group Three options: Web site, blog, Google.
• DeadlineNews.Com Retail Outlet Real estate and housing related items from A to Z.
• We Produce Newsletters Too See our samples.

FROM THE DEADLINE NEWSROOM

Online 'Privacy Policies' Vastly Misunderstood
Deadline Newsroom - Online "privacy policies" at ecommerce sites are not what users think they are -- often because they don't take the time to read them.

Under-Reported Concerns Of Buyers Exposed
Deadline Newsroom - A real estate industry trade group that serves only buyers says their constituency isn't getting the straight scoop.

Finding News That Really Hits Home
Deadline Newsroom - Reducing housing market conditions to rabid rhetoric aimed at the media robs real estate consumers of their right to know.

Foreclosure Fallout Landing On Other Homes
Deadline Newsroom - Foreclosures in your neighborhood don't just cost homeowners their homes -- as if that wasn't bad enough -- they also depress nearby home values and rob the tax base for as long as two years.

Foreclosures Undercutting Social Benefits Of Homeownership
Deadline Newsroom - If it takes a village to raise a child, what happens when the village is fragmented by foreclosure?

© 2007 DeadlineNews.Com

DeadlineNews.Com's Editorial Content Is Intellectual Property - Unauthorized Use Is A Federal Crime

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News from elsewhere...

CONSUMER

Homeowner Protection Bill Passes House
Yesterday the U.S. House of Representatives took bipartisan action approving legislation to stop abusive lending on home loans, targeting common practices in the subprime market that have led to massive foreclosures.

Energy Saving is Consumer Key Interest in Green Building
Surveys show that new home buyers want "green" houses to save money on energy; home builders want any green building program to be voluntary.

HOA Newsletter Gold
Homeowner association newsletters are a great way to enlighten, inform, remind and encourage. Here are some tips to make your newsletters pure gold.

FINANCE

Equity Continues To Grow
With the daily din of bad news about the state of the housing market, it's easy to lose sight of some larger economic realities: Despite declining prices in many markets, homeowners still control near-record equity holdings, just under $11 trillion.

The Truth About the Mortgage Meltdown
You have been reading about the mortgage meltdown and seeing daily news reports about the record number of foreclosures. Mortgage lenders and dropping like flies. Why? The answer may surprise you.

Mortgage Rates Unchanged -- From a Year Ago
The 30-year fixed-rate mortgage (FRM) averaged 6.24 percent with an average 0.4 point for the week ending November 15, 2007, unchanged from last week when it averaged 6.24 percent and coming in at the same level it was this time last year.

NAREITs Urge Caution

Fallout from the credit crunch and housing market decline will make REITs more volatile over the next year or two, but they will be in a strong position going forward, according to a panel of industry experts at the National Association of Real Estate Investment Trusts annual convention in Las Vegas on Wednesday.

MARKETS

No Economic Impact? 30 Percent of Layoffs Tied To Housing
I chose to lump together recent job losses in real estate, construction, furniture, finance and lumber industries as tracked by this layoff data.

The Next Natural Step In The Evolution Of The Downturn
"In the past year, 8,100 East Bay jobs in four key industries tied directly to housing -- residential construction, specialty trades construction, real estate and credit intermediation -- have vanished."

America's Undervalued Real Estate Markets
Commercial real estate investment analysts like Los Angeles-based Marcus & Millichap are bullish about Seattle.

Realtors: Some Markets Not Feeling Down
No one attending this week's National Association of Realtors annual convention, which ends today, has been able to ignore the anxiety created by the slowest housing market in more than a decade.

NAR Slams Media, Lenders, Brokers, Self (What The..?)
Members of the National Association of Realtors were quick to blame the media and lenders for housing problems throughout the country. But many of the 30,000 people attending NAR's annual convention
this week were more reluctant to point the finger back at themselves.

Housing's Epidemic Impact
According to numerous media accounts, the foreclosure crisis is having an epidemic impact on the American economy that goes beyond homeowners losing their homes. For example, renters who've never missed a single lease payment often have to find new places to live when their multi-family buildings are foreclosed on.
More of the Same
More of the Same
More of the Same

Post Boom Survival Guide

DeadlineNews.Com: 'Best Repurposing Of A Realty Journalist'
"Fun, credible, astute and up to date."

TRENDS/COMMENTARY

Will Jesse Jackson Turn the Housing Market Around?
Jesse Jackson is taking it to the streets. Now he's coordinating a march on Wall
Street, which is itself reeling from the subprime fallout.

Yun Loses His Marbles In Vegas
"In some ways, the extended real estate boom from 2001 to 2005 created unrealistic expectations that housing is a short-term high-yield investment," said NAR Chief Economist Lawrence Yun.

Real Estate Continues to be THE Best Long-Term Investment
And housing offers important tax incentives to make owning a home more affordable.

Forgotten Solar Pioneer
Four decades ago, Harold Hay invented a way to heat and cool a home without using electricity. Why won't the world listen?

"Women Building Women:" An Idea Who's Time Has Come -- Big Time!
Columnist Wanda McPhaden reminds readers about urging women everywhere to share their financial wisdom, insight, and intuition with each other to help take financial control of their lives and their futures.

Mag Picks ‘Most Valuable Products'
Among the 32 winners in this year's Most Valuable Products competition sponsored by trade publication Building Products are nine most likely to embraced by home owners. Lew Sichelman has the straight skinny.

BUSINESS/COMMERCIAL REAL ESTATE

The Holidays Are Upon Us. Is Your Housing Client, Professional or Friend On The List? St. Joseph The Home Seller kits. Clock houses. Monopoly. House warming gifts. Come 'n' get 'em.

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Broderick Perkins, an award-winning consumer journalist of 30 years, is publisher and executive editor of San Jose, CA-based DeadlineNews.Com, a real estate news and consulting service, and the new Deadline Newsroom, DeadlineNews.Com's new backshop. In both cases, it's where all the news really hits home.

DeadlineNews.Com's Editorial Content Is Intellectual Property - Unauthorized Use Is A Federal Crime

Read more!

Deadline Newsroom Feed 11/9/07

Compiled by Broderick Perkins
© 2007 DeadlineNews.Com

The weekly Deadline Newsroom Feed is sponsored by
STEWART TITLE GUARANTY COMPANY

Be Sure To Visit The Deadline Newsroom Open House

Deadline Newsroom Feed – DeadlineNews.Com offers a look at all the news that really hit home last week, as well as coverage outside the Deadline Newsroom. Child ID theft; foreclosures robbing homeownership benefits; home improvement bargains; renters pinching pennies, threatening homeownership; and NIMBYs next door.

FROM THE DEADLINE NEWSROOM

Preventing ID Thieves From Stealing Innocence
Deadline Newsroom -- Kids have become easy targets for ID thieves because of exposure offered by popular social networking sites on the Internet. In their naiveté, kids are also too often willing to give out information that can be used fraudulently.

Foreclosures Undercutting Social Benefits of Homeownership
Deadline Newsroom -- If it takes a village to raise a child, what happens when the village is fragmented by foreclosure? Fewer social services are available when more are needed.

Silicon Valley Home Improvement Bargain Alert
Deadline Newsroom -- A national trend is pointing to more homeowners sitting on the fence over home improvements and that could mean it'll get easier to drive a hard bargain and negotiate to get more work done for less.

Final 'Red Flag' Rules Set To Wave Off ID Theft
Deadline Newsroom -- Preemptive federal "red flag" regulations, designed to strike at identity theft in its earliest stages, rolls out next year.

Renters Without Insurance Risk Future Homeownership
Deadline Newsroom -- Refugees from home ownership now forced to rent could be setting themselves up for another financial disaster if they avoid renter's insurance to pinch pennies in order to quickly save up and return to home ownership.

NIMBY Profile Tough To Pigeonhole
Deadline Newsroom -- Call it a subculture, grassroots movement or a cross-section of the American politic, the myopic NIMBY movement is a force to be reckoned with.

© 2007 DeadlineNews.Com

DeadlineNews.Com's Editorial Content Is Intellectual Property - Unauthorized Use Is A Federal Crime

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News from elsewhere...

CONSUMER

How Will Subprime Housing Crisis Affect You?
Lenders extending credit for a host of things from credit cards, to home loans, to car loans, may make their lending standards more stringent and could...

A Lasting Simulated LifeDeadline Newsroom – Before there were avatars and Second Life and other sorted virtual realty realities, The Sims lived, loved and sometimes loathed in homes and communities you developed.

FINANCE

How Will Subprime Housing Crisis Affedt You?
Lenders extending credit for a host of things from credit cards, to home
loans, to car loans, may make their lending standards more stringent and
could .

Mortgage Meltdown: What's the President Doing?
The administration is reaching out. Columnist Ralph Roberts reports on the latest steps to help American families keep their homes.

Foreclosure Victims Should Get Help, Institute Says
Congress is focusing on regulations to end lending abuses, but a Washington group wants victims of foreclosures to be helped, too.

Bernanke Proposes New Mortgage Guarantees
These GSEs would then guarantee loans that are larger than the current $417000 limit on so-called "conforming" mortgages.

Doubling Down on Continued Weakness in Real Estate, Financials
I am not an expert on the housing and financial sectors. My focus and
expertise is within precious metals and alternative energy.

MARKET MELTDOWN

The 'Real' In Real Estate
If all the dire news about the crumbling housing market isn't sufficient evidence that the halcyon days of real estate lust are over, maybe this is.

Ten Rising-In-Value Real Estate Markets
It's not that Salt Lake City is entirely immune to the national housing downturn. In fact, new housing permits are down this year, and there is a glut.

Sound Familiar? Two Million Homes to Foreclose
Two million subprime-mortgage foreclosures are likely to occur by 2009 if home prices continue their downward spiral, a congressional report said Thursday.

US Stocks Drop on Mortgage Probe, Slumping Dollar; GM Falls
Washington Mutual Inc., the largest US savings and loan, declined the most in 20 years after New York Attorney General Andrew Cuomo said its home loans.

Home Starts Plunge in Houston Area
The Houston-based developer is also offering an incentive program through Countrywide Home Loans where the first six months of the mortgage are paid by the...

New York City The Golden Market?
None of the bad news about the US housing market has seemed to matter to the big spenders lining up to buy homes and apartments in New York .

Realty Bubble Closing in on Local Housing Market\
Anyone trying to find adequate housing on an average income can attest that it is difficult to do. While interest rates remain reasonable, the prices for homes often far outdistance a family’s ability to purchase.

Ten Ways To Solve The Housing Crisis
We talked with congressmen, CEOs of real estate brokerages, research directors at analytics firms, finance professors, real estate brokers, demographers and ...

DeadlineNews.Com: 'Best Repurposing Of A Realty Journalist'
"Fun, credible, astute and up to date."

TRENDS/COMMENTARY

Scientist: South Florida Will Be Water by End of Century
Climate change, including more destructive hurricanes and a rising sea level, but they also said the state could be a leader in reducing global warming.

'All Government Planning Is Bad'
FrontPage Magazine features this Q&A with Cato Institute Senior Fellow Randal O'Toole about why government planning is bad for everybody.

Why Urban Planning Should Be Abolished
Tribune-Review columnist Bill Steigerwald interviews economic Randal O'Toole about his new book, "The Best-Laid Plans: How Government Planning Harms Your Quality of Life, Your Pocketbook, and Your Future."

BUSINESS/COMMERCIAL REAL ESTATE

Harney: Appraisers Take Heat For Role In Housing Crisis
First American, a Santa Ana-based real estate information services firm with revenue of $8.5 billion last year, said Cuomo's charges are "specious" and have ...

Beginning of the End for Realtors?
ChoiceA.com to Challenge the Multiple Listing Service (MLS) with Free Listings.

The Holidays Are Upon Us. Is Your Housing Client, Professional orFriend On The List? St. Joseph The Home Seller kits. Clock houses. Monopoly. House warming gifts. Come 'n' get 'em.

---

Broderick Perkins, an award-winning consumer journalist of 30 years, is publisher and executive editor of San Jose, CA-based DeadlineNews.Com, a real estate news and consulting service, and the new Deadline Newsroom, DeadlineNews.Com's new backshop. In both cases, it's where all the news really hits home.

DeadlineNews.Com's Editorial Content Is Intellectual Property - Unauthorized Use Is A Federal Crime

Read more!