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Houston homeowners support certain government housing initiativesWhen it comes to homeownership, local, state and federal laws can sweeten the deal or make it a burden.November 5th, 2012 11:04am
Tighter lending requirements leading to fewer first-time buyersAccording to a recent RISMedia report, the nation's tighter lending requirements are preventing first-time homebuyers from entering the market.August 15th, 2011 7:16am
Strategic defaults show slight increase during first quarterAccording to a report from credit bureau Experian, the number of strategic defaults increased slightly during the first quarter of 2011 after experiencing significant reduction recently.June 27th, 2011 3:00am
Many consumers lack mortgage knowledgeWhile low mortgage rates have made Houston homes much more affordable in recent months, a report from Seattle-based Zillow finds many people looking to buy a home don't understand many basic mortgage questions.May 3rd, 2011 8:54am
Determining the damage from one missed paymentFor those looking to buy a home, one of the most important things is having a strong credit score. However, just one missed mortgage payment can have a significant impact, the New York Times reports.April 26th, 2011 9:42am
Many reasons a mortgage application could be rejectedIn the wake of the housing market crash, banks have been much tougher about who they give mortgages to, rejecting one out of every four applications. CNNMoney says there are a number of reasons a loan may be turned down.April 21st, 2011 6:33am
Mortgage buyers facing stiff competitionIn the current real estate market, MarketWatch reports buyers who need to take out a mortgage are actually at a significant disadvantage compared to people buying a home with cash.April 18th, 2011 10:59am
FHA taking criticism for extra interest paymentsThe Federal Housing Administration is taking criticism from some lawmakers for charging some homeowners for interest costs after they sell or refinance their homes.April 4th, 2011 9:39am
Proposed mortgage rules may have limited immediate effectWhile new mortgage rules may make it much more difficult for consumers to qualify for a mortgage a few years down the line, analysts say its immediate effects for those looking at Houston homes will likely be limited.March 30th, 2011 10:35am
Tough mortgage requirement would stall housing recoveryAs regulators discuss significant changes to the mortgage market, a recent report says making high down payment requirements part of the deal will lock out many people looking to buy Houston homes.March 8th, 2011 8:03am
New loan rules to promote 20 percent down paymentA number of media reports have said that new mortgage regulations, which are expected to be officially proposed soon by government regulators, may result in additional fees for borrowers who don't put 20 percent down.March 2nd, 2011 10:40am
Debate over loan limits won't affect HoustonAs lawmakers in Washington, D.C. debate the future of Fannie Mae and Freddie Mac, some of the discussion has focused on the reduction of loan limits for government-backed loans. However, those changes won't affect the Houston real estate market.February 7th, 2011 10:39am
Realtors: Tight lending standards stopping 15 percent of salesAs those looking to buy Houston homes have likely noticed, the process of getting a mortgage has become significantly more difficult over the past few years. Officials with the National Association of Realtors say lenders know they are turning away creditFebruary 3rd, 2011 11:38am
Getting a mortgage may now cost moreWhile buying Houston homes remains very affordable, a new series of fees instituted by Fannie Mae may increase the cost of getting a mortgage for many people.January 27th, 2011 9:16am
Fixed-rate loans dominating marketEven though adjustable-rate mortgages generally start with a lower interest rate than fixed-rate loans, a report from Freddie Mac shows that people looking to buy Houston homes are generally staying away from them.January 24th, 2011 7:22am
Mortgage rates continue to climbDriven by a strengthening economic picture, mortgage rates rose sharply last week, according to a weekly survey by the Mortgage Bankers Association.December 16th, 2010 7:46am
Economists call for mortgage standards to loosenA number of economists say that while they can understand why banks tightened their lending standards following the housing crisis, lenders have now tightened their grip too much, and are restricting the flow of mortgages so much that it's holding back thDecember 15th, 2010 8:33am
Lenders say medical debt issues hurting borrowersMortgage bankers say that medical debt issues - sometimes unknown to consumers - are throwing a monkey wrench into many potential home sale and refinance applications, as they drag down borrowers' credit scores, according to the Wall Street Journal.December 13th, 2010 9:20am
Purchase activity gains steam while refinancing slowsInterest rates have continued to linger relatively close to their all-time lows, which has continued to motivate home sales throughout the country over the last few weeks, according to the latest weekly survey by the Mortgage Bankers Association.December 1st, 2010 11:11am
Strong purchase demand offsets slip in refinancingWhile interest rates have continued to show incremental rises over the past several weeks, demand for home purchases remains strong, according to the Mortgage Bankers Association.November 24th, 2010 11:04am
NAR: Credit scoring model penalizing good borrowersThe National Association of Realtors wants Fair Isaac - the company which created the FICO credit score - to account for lender changes to borrowers' credit limits, saying that the current model is hurting home sales.November 22nd, 2010 8:11am
Fed survey shows tight lending to continueAfter the housing market crashed, lenders across the country quickly tightened their lending standards, and restricted who could qualify for a mortgage - locking out many people looking to buy Houston properties. A new survey shows that those tighter lendNovember 10th, 2010 7:28am
FHA head calls on lenders to ease credit standardsDavid Stevens, the commissioner of the Federal Housing Administration, is calling on lenders to help revive the home lending market, saying that many of them are keeping many worthy borrowers from getting a mortgage.October 26th, 2010 11:20am
Mortgage applications show double-digit declinesThe number of people looking to purchase Houston homes last week likely fell, as total mortage volume dropped by more than 10 percent during the week ending October 15, according to the latest release from the Mortgage Bankers Association.October 20th, 2010 10:54am
Falling credit scores in Houston may slow home salesCredit scores in Houston have dropped significantly over the past few months, meaning that many of those considering purchasing Houston properties may find themselves out of luck.October 14th, 2010 6:06am