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December 2010 - Posts

Foreclosure Filings Plunge in November

Foreclosure Filings Plunge in November
December 16, 2010, Reuters

Foreclosure filings plunged in November from the month before as mortgage companies being scrutinized for court processing errors halted activity, according to a RealtyTrac report on Thursday. Homeowners received 262,339 notices of default, auctions and bank repossessions last month, a drop of 21 percent from October and the steepest decline since RealtyTrac first published the statistics in January 2005.


U.S. Housing Starts Rise for First Time Since August
December 16, 2010, Bloomberg

Builders in the U.S. began work on more homes in November for the first time in three months, showing the industry is struggling to recover. Housing starts rose to a 555,000 annual rate, up 3.9 percent from October’s 534,000 pace that was higher than initially estimated, Commerce Department figures showed today in Washington
 

Most of the Press Misses Foreclosure Scandal News

December 15, 2010, Columbia Journalism Review

Iowa’s attorney general said yesterday that he will bring criminal charges over the foreclosure scandal. But most of the press doesn’t have the news. Yves Smith of Naked Capitalism picks up on this story, as does The Huffington Post and HousingWire. But the only mainstream media coverage it got was in the Des Moines Register and Reuters. This is a story the rest of the press might want to report. The ante just got upped bit on this scandal.


Lender Processing Services Makes False Statements
December 15, 2010, Naked Capitalism

Shortly after Lender Processing Services became the target of class action lawsuits for alleged illegal legal fee-splititing in early October, an investor commented that he had never seen a company do such a poor job of crisis management. The company halted trading at 3:45 PM for the not legitimate reason that they didn’t like how much the stock price had decayed that day. And when they had an investor conference call (not the next day, which would be the usual response cycle, but the day after that), it was remarkably unpersuasive.

Foreclosure Slam Dunks Dr. J
December 15, 2010, New York Post

Basketball legend Julius "Dr. J" Erving's 6,700-square foot house in Utah has entered foreclosure, TMZ reported Wednesday. The house went into pre-foreclosure last month after Erving defaulted on the loan. He has been trying to sell the property for more than a year.  Erving reportedly told TMZ that the house is "substantially underwater," meaning he owes more on his mortgage than the home is worth.


Homebuilders Pessimistic About Housing Market

December 15, 2010, Associated Press

U.S. homebuilders remain uneasy about the housing market's prospects in the months ahead, discouraged by weak job growth and millions of foreclosures. The National Association of Home Builders said Wednesday that its monthly reading of builders' sentiment remained unchanged in December at 16.

Published Thu, December 16 2010 8:21 AM by Octavion
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RealtyTrac’s James Saccacio Named One of the 100 Most Influential

RealtyTrac’s James Saccacio Named One of the 100 Most Influential
December 14, 2010, Inman News

Inman News named James Saccacio one of the 100 Most Influential Real Estate Leaders in 2010. Jim was recognized in the “technology” category. Congratulation Jim!


Jail Time Promised for ‘Robo-Signers’
December 14, 2010, Reuters

Iowa's attorney general, who is leading a nationwide probe of questionable home foreclosures, met with struggling homeowners on Tuesday and said he may bring criminal charges in his state. "We will put people in jail," Iowa Attorney General Tom Miller said, referring to cases in his state he plans to prosecute with the U.S. Attorney in southern Iowa.


An Agent-Only Site for Property Listings
December 15, 2010, Inman News

A California real estate agent has created an agent-only site for homes that aren't currently listed for sale. At Agent2AgentLink.com, agents can post listings that are coming to market but that haven't yet been posted on a multiple listing service. Sellers in some cases may keep "pocket listings" out of the MLS for privacy reasons, and others may be planning to sell but haven't yet put their home on the market. Buyer agents can use the site to post information about what their clients are looking for in a house, in the hopes that another agent has a listing that will fulfill those wishes.


Foreigners Flock to Florida Real Estate Bargains
December 14, 2010, AFP

Foreign tourists who for years have crowded Florida's shopping malls to buy clothes and electronics, are now flocking to real estate offices to snatch up apartments and homes at bargain-basement prices. The investors, mainly from Europe and Latin America, are jostling over apartments in Miami's trendy South Beach neighborhood selling for 70,000-100,000 dollars, and in less exclusive areas to the north where they start at around 50,000.

Published Wed, December 15 2010 8:21 AM by Octavion
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U.S. Foreclosure-Prevention Program Fell Short

U.S. Foreclosure-Prevention Program Fell Short
December 14, 2010, Washington Post

The Treasury Department's primary foreclosure-prevention program has failed to live up to expectations and has suffered from a lack of "meaningful goals," according to a report from a congressional watchdog panel due out Tuesday. The government's Home Affordable Modification Program, or HAMP, is on pace to prevent 700,000 to 800,000 foreclosures - a significant figure, but far fewer than the 3 million to 4 million struggling homeowners Treasury officials originally hoped to help, according to the bipartisan Congressional Oversight Panel.


Pixie Dust Loses Magic as Foreclosures Slam Disney Town
December 13, 2010, Bloomberg

Walt Disney Co. built Celebration, Florida, as an idealized version of a circa-World War II small town, where litter-free streets are lined with white picket fences and front porches entice neighbors to sit after dinner. Now, there’s trouble in the 16-year-old paradise set within earshot of the nightly fireworks at Walt Disney World Resort.


Buying a Home Now is a No-Brainer
December 13, 2010, CNN Money

Is now the right time to invest in a house? Trick question. Actually, it's two questions. Question No. 1: Is now the time to buy? Question No. 2: Is buying a house a good investment? The first answer is easy: With a few exceptions, if you have 20% to put down and good credit, now is a great time to buy. That's been the case all year, and I'd argue that we're probably closer to the end than to the beginning of the really great time. Let me explain.


Regulators Exist to ‘Serve the Banks,’ Finance Chairman Declares
December 14, 2010, The Raw Story

Alabama Republican Spencer Bachus, the incoming chairman of the House banking committee, suggested Congress and federal regulators should play a subservient role with banks ."In Washington, the view is that the banks are to be regulated, and my view is that Washington and the regulators are there to serve the banks," Bachus told The Birmingham News in an interview.


Barbara Corcoran: Power Broker to Powerful Motivator

December 13, 2010, Bigger Pockets Blog

Waitress and straight-D student Barbara Corcoran started her real-estate company, The Corcoran Group, with a friendly loan for a thousand dollars.  In 2001, she sold it for $70 million. The $5 billion company is still in operation today, and one of the biggest power players in New York real estate.

Published Tue, December 14 2010 8:35 AM by Octavion
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More Foreclosures Expected in 2011

More Foreclosures Expected in 2011
December 12, 2010, Wall Street Journal

Brace yourself for another rough year in housing: The number of foreclosures is expected by many to increase in 2011 as more troubled mortgages work their way through the pipeline. Next year could very well be a peak year for foreclosures, says Rick Sharga, a senior vice president at RealtyTrac, an online marketplace for foreclosure properties. The market is expected to tally about 1.2 million bank repossessions in 2010, up from 900,000 in 2009, he says. "We expect we will top both of those numbers in 2011."


Housing Shaky as Lenders Tighten
December 13, 2010, Wall Street Journal

Economists are worried that the housing sector may be heading into another downdraft as mortgage lenders continue to tighten already restrictive lending standards. Such a scenario seemed less likely earlier this year, when home-buyer tax credits fueled a surge in sales. But sales have plunged in the second half of the year after those credits expired. New and existing home sales were down by more than 25% in October from a year ago.


'Underwater' Homes Decline as Foreclosures Rise
December 13, 2010, Wall Street Journal

U.S. homes with negative equity were slightly lower in the third quarter as the volume of foreclosures increased, according to the latest housing data. In the third quarter, 10.8 million, or 22.5%, of residential mortgages were "underwater" nationally, meaning homeowners owed more on their mortgages than the homes were worth. This was down from 11 million, or 23%, in the previous quarter, according to housing-data provider CoreLogic.


Remodeled Foreclosure Homes at a Discount

December 12, 2010, WOFL FOX 35

One city is reaching out to home buyers by offering remodeled foreclosures at a fraction of the cost. With the rising number of foreclosed homes the city of Orlando has come up with a way to try to get foreclosures off the market by remodeling them and offering incentives for buyers through their Neighborhood Stabilization Program.

Published Mon, December 13 2010 9:07 AM by Octavion
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Housing agencies clash over mortgage-relief program

Housing agencies clash over mortgage-relief program
The Washington Post — December 10, 2010

The top federal agencies responsible for setting housing policy are clashing over a new program designed to help borrowers whose homes are worth less than they owe on their mortgages, according to industry and government sources.

Keeping close tabs on troubled borrowers
Chicago Tribune — December 10, 2010

The day is coming when lenders will no longer turn their clients loose after they leave the closing table, never to be heard from again unless someone misses a payment or two.

BofA Restarts Some Foreclosures
Wall Street Journal — December 10, 2010

Bank of America Corp. said it restarted about 16,000 foreclosure cases across the U.S. on Monday, but it may be weeks before it is known whether the bank's submission of new documents will pass muster with local judges.

Phoenix area foreclosures hit 32-month low
The Arizona Republic — December 10, 2010

Foreclosures across metro Phoenix plummeted to a 32-month low in November, but the decline probably is only temporary.

With fewer resources, rural communities strain to deal with mounting foreclosures
Cronkite News Service — December 9, 2010

For Roxanne Knoche, losing the ranch home that she had custom-built for her retirement would be devastating.

Foreclosures: Are Fewer Worse Than More?
Housing Watch — December 9, 2010

We all know the housing market has been hurt by too many foreclosures being processed too quickly. But now that documents are being reviewed more closely and the process is taking longer -- as it well should -- some housing industry experts are saying fewer foreclosures may be even worse for the economy.

Published Fri, December 10 2010 9:01 AM by joelc
Law will help homeowners in danger of foreclosure

Law will help homeowners in danger of foreclosure
Daily Tribune — December 8, 2010

Legislation that assists Oakland County homeowners facing foreclosure and battling the banks will be signed into law later this week by Gov. Jennifer Granholm.

Cummings Promotes New Foreclosure Scam Protections
AFRO — December 8, 2010

When Hattie Peartree of Pikesville received a call from the law office of Mark H. Klein last July, she thought she had found relief for her high mortgage payments. The representative told Peartree he would reduce her home loan if she paid $3,000.

Home Values to Drop by $1.7 Trillion This Year, Zillow Says
Bloomberg — December 8, 2010

U.S. home values are poised to drop by more than $1.7 trillion this year amid rising foreclosures and the expiration of homebuyer tax credits, said Zillow Inc., a closely held provider of home price data.

Report: Florida Dominates Delinquent Mortgage Activity
MBA NewsLink — December 9, 2010

Data from Foreclosure-Response.org said new data on seriously delinquent mortgages for all 366 U.S. metro areas show that nine out of the top 10 and 15 of the top 25 metro areas with the highest serious delinquency rates in June were in Florida.

Published Thu, December 09 2010 9:08 AM by joelc
Chapman Forecast: Not a ‘Great Recovery’ in 2011

Six quarters into the U.S. economic recovery, the nation remains on life support but is expected to start breathing on its own in 2011. Considering that the National Bureau of Economic Research declared the “Great Recession” officially ended in the second quarter of 2009, the subsequent upswing has not been as hardy or as pronounced as is typical for recoveries following deep recessions, from a historical perspective.

“We need more than the slow, weak, slogging recovery we’ve had so far,” said economist James L. Doti, president of Chapman University in Orange, Calif., during the 33rd annual economic forecast conference presented by the school’s A. Gary Anderson Center for Economic Research.

To the point, Doti focused on jobs — particularly in the construction industry — and the housing market as the key factors to getting the economy back on its feet again. With an estimated 7 million jobs lost during the recession, he worries that the number of jobs created so far in the recovery pales in comparison to past recoveries and at this rate it could take 10 years to recoup all the jobs lost.

“The scary thing is, what if they decide not to go back to work? It’s a dead weight loss to the economy,” Doti noted.

As the Chapman report explains, while some industries have begun to recover, residential construction employment is still mired in the recession, having dropped another 10 percent during the six quarters of the recovery.

In a Wall Street Journal article appearing Sept. 10, 2010, co-authors Steven Gjerstad, a Presidential Fellow at Chapman, and Vernon Smith, co-winner of the Nobel Prize in Economics in 2002, and a Professor of Economics at Chapman, explain the key factors involved.

“In the Great Depression and in every recession since, residential construction has recovered before every other sector and its recovery has been far larger in percentage terms than in any other major sector,” the authors explained. “This is the slowest rebound in residential construction in any sustained recovery from a post-war recession. No policy will change this situation: the housing market is saturated with foreclosed homes. This is a fact that needs to be confronted: we are almost surely in for a long slog.”

Although the Chapman forecasters are calling for 1.7 million new jobs to be created in 2011 — enough to drop the nation’s unemployment rate by about 1 percent to 8.6 percent —  the recovery is projected to remain mild next year.

High housing affordability and low mortgage rates won’t be enough, as housing starts are forecast to increase only 7.2 percent for the year, with unemployment and foreclosures stifling the drive to build more new homes.

“With the rate of unemployment near 10 percent, consumers have good reason to fear for their future economic prospects,” the Chapman report explains. “The current mortgage and foreclosure mess is also causing homebuyers to delay their purchasing decisions. On top of all that, there is a surfeit of empty dwellings both for sale and for rent.”

While housing prices turned barely positive in 2010, the Chapman forecast for next year calls for a larger upswing — although only 3.3 percent — in home prices due to continued consumer anxiety over the mortgage/foreclosure crisis and the oversupply of 1.6 million vacant units in the nation’s housing inventory.

Historically, Chapman forecasts have proven to be quite accurate in their yearly prognostications, given that certain unforeseen economic events can occur during the year that can cause sudden unexpected changes in direction.

If the oversupply of vacant homes does take years to work its way through the system as the Chapman forecasters expect, home affordability remains high and mortgage rates stay near their historic lows, 2011 may be the year for real estate investors and potential homebuyers to dive in and make those purchases before the economic recovery takes off full steam. RealtyTrac, the nation’s online foreclosure marketplace, helps you stay on top of current market trends.

Read more about the Chapman forecast for the U.S. and California. Let us know what you think about the prospects of purchasing distressed properties next year.

Published Wed, December 08 2010 4:50 PM by joelc
Consumers doubt housing market is turning around, survey shows

Consumers doubt housing market is turning around, survey shows
Denver Post — December 8, 2010

U.S. consumers don't see the housing recovery happening soon and many said they would walk away from homes with negative equity, according to a survey from Trulia.com and RealtyTrac.

Fannie, Freddie Pressed on Mortgages
The Wall Street Journal — December 8, 2010

Fannie Mae and Freddie Mac are in talks with Obama administration officials to join fledgling government programs aimed at reducing loan balances of mortgages where borrowers owe more than their homes are worth, according to people familiar with the situation.

HUD coalition to discuss housing issues on the Hill
HousingWire — December 7, 2010

Councilors from the Affordable Housing Centers of America will meet with government officials Wednesday to share their thoughts and experiences about working on the front lines of the mortgage crisis.

Research Firm Says Housing Currently Undervalued by 14% to 17%
DSNews — December 6, 2010

The sharp fall in residential property prices in the third quarter means that housing in the United States has become even more undervalued, according to the analysts at Capital Economics.

New bill aims to stop foreclosures for non-payment of fines
Arizona City Independent — December 8, 2010

A local homeowners association’s management company is pushing state lawmakers to defeat a legislative bill that would make it impossible to foreclose on a home for non-payment of assessment fines.

Lawmakers want to reform Virginia foreclosure law
Virginia Statehouse News — December 7, 2010

In Virginia, the home foreclosure process can send people packing in less than two weeks.

Published Wed, December 08 2010 9:19 AM by joelc
Special report: Legal woes mount for a foreclosure kingpin

Special report: Legal woes mount for a foreclosure kingpin
Reuters — December 6, 2010

Lender Processing Services is riding the waves of foreclosures sweeping the United States, but in late October its CEO, Jeff Carbiener, found himself needing to reassure investors in the $2.8 billion company.

Welcome to Zombieland: Ladera Ranch, California
Yahoo! Finance — December 7, 2010

Joshua and Irene Vecchione are cleaning the dinner dishes one evening in October when Joshua's cellphone rings. It's Rhea from the Chase collections department, and she wants to know if he has $123,000 today. That's what it will take to get the Vecchiones current on their mortgage.

BofA Moves Salespeople to Modify Mortgages, CEO Says
The Washington Post — December 7, 2010

Bank of America Corp., the largest U.S. lender by assets, said the reassignment of salespeople to modify mortgages for struggling borrowers may pressure revenue.

Foreclosure Is Not an Option
The New York Times — December 6, 2010

Given the grim news in lending and home financing in recent months, it would appear that little can be done to stem the tide of foreclosures sweeping the nation.

Virginia resident gets foreclosure notice on Port St. Lucie home she sold in 1994
TCPalm — December 3, 2010

PORT ST. LUCIE — About 10 p.m. the Saturday after Thanksgiving, Cathy Hammers abruptly was woken up by a continuous loud banging on the front door of her Virginia home.

FHA loan limit ceiling unchanged for 2011
Housing Wire — December 3, 2010

The Federal Housing Administration released approved loan limits on mortgages it would insure in 2011, leaving the ceiling unchanged at $729,750.

Published Tue, December 07 2010 1:35 PM by joelc
Bill calls for court OK to foreclose

Bill calls for court OK to foreclose
The Boston Globe — December 6, 2010

Secretary of State William F. Galvin plans to submit a bill next month that would force Massachusetts mortgage lenders to get court approval before seizing homes, in an effort to protect homeowners and address concerns about how foreclosures are conducted.

Bair wants mortgages modified to mitigate losses before starting foreclosure

HousingWire — December 3, 2010

The process of mortgages only being restructured after becoming delinquent creates "perverse incentives" for loan servicers, according to Federal Deposit Insurance Corp. Chairman Shelia Bair.

Stern's foreclosure mistake leads two to buy same house
SunSentinel — December 4, 2010

Real estate investor Marjorie Oster was pleased when she snagged what looked like a good deal through a Miami-Dade County foreclosure court auction: a four-bedroom house in Cutler Bay, with a swimming pool, for about $95,000.

Fed wants to strip a key protection for homeowners
Miami Herald — December 5, 2010

WASHINGTON -- As Americans continue to lose their homes in record numbers, the Federal Reserve is considering making it much harder for homeowners to stop foreclosures and escape predatory home loans with onerous terms.

Judge halts capping of 'super priority' foreclosure liens
Las Vegas Review-Journal — December 4, 2010

District Court Judge Susan Johnson on Thursday issued a temporary restraining order against enforcement of a state regulatory advisory opinion that caps the amount collection agencies may charge under "super priority" liens against homes in foreclosure.

Published Mon, December 06 2010 9:38 AM by joelc
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