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The Home Valuation Code of Conduct (Appraisal Standards)
Since May 1, 2009, we've been having problems with appraisals like never before. It's an interesting case study how the attorney general of one state used threats to blackmail a nationwide industry, installed personal controls and opportunities for graft into...
Buyers: Stretching Your Budget Means Compromise
As a good buyer's agent, I love a challenge. When someone comes to me trying to make a budget stretch just a little bit further than it would usually go, that's the kind of client I love to have....
How Can I Lower The Down Payment Requirements So I Can Buy Real Estate?
With a few lenders starting to loosen their requirements slightly in San Diego, it's becoming increasingly obvious that the bottom is behind us. However, the issue has now become, "I don't have much of a down payment. How do...
Loan Rate Sheets: The Games Lenders Play With Rate and Cost Adjustments
This is part and parcel of the system that's abused. Here are sample rates from one A paper lender, picked at random, that were in effect when I originally wrote this. Rates are lower now, but it's a good example...
Shop Loans By The Bottom Line To You, Not By What the Provider Makes
When it comes to mortgage loans, people get distracted by the darnedest things. Let's look at Wal-Mart. You think they got to be the largest retailer in the world by making less money than their competition? I assure you...
The New, Allegedly Improved Good Faith Estimate (Page Two)
Continued from The 2010 Good Faith Estimate (Page One) The next section is on origination charges. Indeed it is titled "Your adjusted origination charges" It starts with "Our origination charges" saying this is the charge for doing the loan....
Real Estate: Know What Can Be Fixed and What Can't, What's Profitable and What Isn't
It's a well known fact that not all factors in real estate are equally important, and not all property investments perform equally well. A critical part of successfully choosing the right property, whether it's for investment or personal use, lies...
Real Estate Liquidation Auctions
Liquidation auctions were a big thing for a while there. They were just advertising one on all the stations around here. The other agents in my office asked if I was going, and I told them, "There will be...
My Stance on Military Action by the United States
You want to know what our most precious and limited resource is? Young men and women willing to put their lives on the line in defense of our country. When we run out of them, we will be dust, along...
To those claiming a refusal to vote for Trump or for Hillary gives the election to the other.
Stop. Just stop. A false dichotomy remains a false dichotomy no matter how many times you say it. It remains a false dichotomy no matter how many temper tantrums you throw. I have held my nose and voted for...
Reverse Engineering Works in Human Affairs and Legislation, Too
Praxeology, or deducing intent by action, is nothing more than reverse engineering as applied to humans rather than machinery. It completely amazes me the number of people who understand that you design a keyboard, for instance, by including the sorts...
Lessons From Election 2012
Lessons from last night: Demographically, Republicans can no longer win national elections. It doesn't matter who lied, it doesn't matter how unfair the media coverage, it doesn't matter the amount of cheating. Those are all included in the final result....
Election Day
I haven't been talking much about the election here this time. Instead of making an endorsement, I am going to talk about the most salient fact of the election, and the rest of our lives until it is dealt with....
Financial Failure (continued)
Fed Buying Maximum Legal Limit of Treasury Debt The Fed is creating virtual money to buy 70% of new debt issued by the federal government. This is what financial failure looks like boys and girls - except that your...
Last Line of Defense Before The Government Fails
Zero Hedge Romney: [The] former head of Goldman Sachs, John Whitehead, was also the former head of the New York Federal Reserve. And I met with him, and he said as soon as the Fed stops buying all the debt...
President Obama's Mortgage Relief Program October 2011
Irony abounds. Obama hyping a program formulated by the Bush Administration (that didn't see actual implementation until April 2009 due to legal delays) as a centerpiece of his reasons for re-election - long after the program has helped most of...
The United States is Facing Imminent Financial Failure
It has become clear to me in the past few weeks that the United States is facing imminent financial failure. I have known since at least the early 80s that if something were not done, the bill would come due...
We Must Reform The Budgetary System In Order to Survive
This year there's a lot of political energy being expended in the name of ousting big government incumbents from office. That's treating the symptoms of the disease, not the disease itself. It's tempting to humanize the problem, to say...
The 2010 Good Faith Estimate (Page Two)
Continued from The 2010 Good Faith Estimate (Page One) The next section is on origination charges. Indeed it is titled "Your adjusted origination charges" It starts with "Our origination charges" saying this is the charge for doing the loan....
Links and Minifeatures 2009 06 08 Monday
Megan McArdle is blogging up a storm with lots of really good points about abortion and the murder of George Tiller. This debate is not going away. Those who believe abortion is murder are not going to mysteriously vanish,...
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