Saturday, March 10, 2012
Daylight Saving Starts on March 11, 2012
Friday, March 02, 2012
Thursday, March 01, 2012
Fannie Mae Lost Money on Last Quarter of 2011
Fannie Mae said Wednesday it lost $2.4 billion during the fourth quarter of 2011 and $16.9 billion for the full year.
It has had worse years, remarkably. Fannie lost about $60 billion in 2008 and $72 billion the following year–two of the 10 largest corporate losses ever. Sibling Freddie Mac is responsible for a third, a $51 billion loss in 2008.
Fannie Mae was established in 1938 to promote home ownership by making federal funds available to lenders. In the 1950s and 1960s, it transformed into a profit-seeking corporation, with the goal of purchasing mortgages and selling them to investors, thereby replenishing funds to banks for fresh loans. Freddie Mac was created in 1970 to spur competition.
Recent losses for both agencies stem from the U.S. housing bubble that peaked in 2006. House prices fell nationwide by more than one-third since mid-2006 by one measure, the S&P/Case-Shiller index. Price changes vary by market, but for the country as a whole, homeowners erased the gains made since 2003.
Millions of homeowners defaulted on their mortgages, leaving Fannie and Freddie saddled with bad loans. Both reverted to government control in 2008.
Fannie and Freddie were once profitable, but the money they have lost dwarfs what they made in good years. During the three years leading up to the house price peak, Fannie reported annual profits of between $4.1 billion and $6.3 billion, and Freddie, $2.1 billion to $2.9 billion. During the five years since, Fannie lost a cumulative $163 billion, and Freddie, which hasn’t yet reported fourth quarter results for 2011, $91 billion.
Both Fannie and Freddie pay dividends to the Treasury Department as a condition of their government sponsorship, but both have regularly requested larger sums than they have paid. For example, Fannie said Wednesday that it paid $2.6 billion in dividends to the Treasury during its fourth quarter, but that it would soon submit a request for $4.6 billion to offset losses.
Fannie says it requested a total of $116 billion from the Treasury since the fourth quarter of 2008 and paid about $20 billion in dividends. Fannie requested $72 billion and paid $15 billion.
Total funds requested, minus the dividends paid, work out to about $1,300 per American household. That includes both owners and renters.
Sunday, February 12, 2012
Asistencia Para Los Primeros Compradores De Casa
Un primer comprador de casa es el siguiente: el que no tiene casa en los ultimos tres anos, que no esta en le prestamo de ninguna casa o en el titulo de ninguna casa.
Hay asistencia disponible para los primeros compradores de casa en la ciudad de Los Angeles ( incluye el valle de san fernando y excluye la ciudad de san fernando) si califican pueden recibir hasta $ 60,000 para el enganche, basado en el numero de miembros de la familia y el salario, se combinan estas dos cosas.
La compra puede ser una casa, un condominio o un townhouse. Hay tambien dos bancos que tienen programas disponibles, uno de ellos es un prestamo convencional fijo por 30 anos con un enganche del 3% con un salario maximo de $52,000 que puede ser extendido de acuerdo con la area que el comprador escoja.
Si desean mas informacion llamen at 818 481 9211 o envien un correo electronico a: albertopacheco5195@hotmail.com
Wednesday, February 08, 2012
First Time Home Buyers Down Payment Assistant Available
If you are a fist time home buyers ( have not own a house in three years, and are not on any loans loan) you may be elegible to receive up to $ 60,000 for Down payment or closing cost, there is money available right now.
You can buy: a house, condominium or townhome that are not tenant occupied. To qualify for it need to make an appointment with me to go over you income, number of family members and more.
You can reach me by email: albertopacheco5195@hotmail.com or by phone at 818 481 9211.
Alberto Pacheco
818 481 9211
Keller Williams Granada Hills
16842 Devonshire St
Granada Hills CA 91344
Lic 01200694
www.stoppayingrentinla.com Foreclosures, Probate Homes and Short Sale Homes Available.
www.facebook.com/albertopachecorealtor www.twitter.com/albertopacheco
You can buy: a house, condominium or townhome that are not tenant occupied. To qualify for it need to make an appointment with me to go over you income, number of family members and more.
You can reach me by email: albertopacheco5195@hotmail.com or by phone at 818 481 9211.
Alberto Pacheco
818 481 9211
Keller Williams Granada Hills
16842 Devonshire St
Granada Hills CA 91344
Lic 01200694
www.stoppayingrentinla.com Foreclosures, Probate Homes and Short Sale Homes Available.
www.facebook.com/albertopachecorealtor www.twitter.com/albertopacheco
Foreclosure Market Update
Slowly, but surely, the foreclosure crisis seems to be abating.The
number of homes in foreclosure shrunk by 130,000, or 8.4%, in 2011,
according to a report from CoreLogic, an economic research firm.
These are homes owned by borrowers who had slipped far behind on payments, forcing lenders to put them into the foreclosure process. The homes remain foreclosure inventory until they're sold -- either at auction or in a short sale, which is when a home is sold for less than the mortgage value -- or until homeowners are current again on payments.
There are dual reasons for the inventory drop, according to Mark Fleming, chief economist with CoreLogic.
In recent years, homes have entered foreclosure more slowly because lenders are carefully scrutinizing applicants; only very low-risk borrowers get loans. That, plus a gradual improvement in the economy, means fewer borrowers are getting into trouble.
Even borrowers in default are not going into the foreclosure process as quickly as they used to. They're being held up by a variety of judicial and regulatory constraints, according to Fleming.
For one thing, the robo-signing issue, in which banks filed sloppy and sometimes improper paperwork, made lenders more cautious about getting their paperwork in order before beginning to process foreclosures.
Once the banks do put homes into foreclosure, they're trying to speed them through it faster. One way they've done that is by encouraging short sales.Another is that they've stepped up their foreclosure prevention efforts -- often with the aid of numerous government programs such as Home Affordable Modification Program, which the government claims has helped a million Americans keep their homes.
After foreclosures are completed and the homes are back in the hands of their lenders, the homes are being sold very quickly. "This
is the first time in a year that REO sales [those of bank-owned
properties] have outpaced completed foreclosures," said Fleming.
In December 2011, there were 103 sales of bank-owned homes for every 100 homes in foreclosure inventory. That was up considerably from November 2010, when there were only 94 REO sales for every 100 in the foreclosure process.
Florida has the dubious distinction of recording the highest foreclosure inventory in the nation in December, with more than 17% of homeowners seriously delinquent and nearly 12% of homes with mortgages in foreclosure inventory The inventory in Florida is bloated because, as in more than half of all the states, most foreclosures have to go through the courts.
These are homes owned by borrowers who had slipped far behind on payments, forcing lenders to put them into the foreclosure process. The homes remain foreclosure inventory until they're sold -- either at auction or in a short sale, which is when a home is sold for less than the mortgage value -- or until homeowners are current again on payments.
There are dual reasons for the inventory drop, according to Mark Fleming, chief economist with CoreLogic.
Foreclosure deal has 40 states but others balk
"The pace at which properties are entering foreclosure is slowing," he said. "And servicers nationwide stepped up the rate at which they were able to process distressed assets."In recent years, homes have entered foreclosure more slowly because lenders are carefully scrutinizing applicants; only very low-risk borrowers get loans. That, plus a gradual improvement in the economy, means fewer borrowers are getting into trouble.
Even borrowers in default are not going into the foreclosure process as quickly as they used to. They're being held up by a variety of judicial and regulatory constraints, according to Fleming.
For one thing, the robo-signing issue, in which banks filed sloppy and sometimes improper paperwork, made lenders more cautious about getting their paperwork in order before beginning to process foreclosures.
Once the banks do put homes into foreclosure, they're trying to speed them through it faster. One way they've done that is by encouraging short sales.Another is that they've stepped up their foreclosure prevention efforts -- often with the aid of numerous government programs such as Home Affordable Modification Program, which the government claims has helped a million Americans keep their homes.
Post-foreclosure
In December 2011, there were 103 sales of bank-owned homes for every 100 homes in foreclosure inventory. That was up considerably from November 2010, when there were only 94 REO sales for every 100 in the foreclosure process.
Florida has the dubious distinction of recording the highest foreclosure inventory in the nation in December, with more than 17% of homeowners seriously delinquent and nearly 12% of homes with mortgages in foreclosure inventory The inventory in Florida is bloated because, as in more than half of all the states, most foreclosures have to go through the courts.
Foreclosure free ride: Three years and no payments
Courts have taken a much closer look at the cases coming before them, no longer taking the bank's word for everything.. Consequently, it takes a longer time to schedule an auction, which keeps many homes trapped in the foreclosure pipeline.A hard-hit state such as Nevada, which has had the highest incidence of delinquency in the nation but where most foreclosures do not go through he courts, posted a foreclosure inventory rate of less than half that of Florida.Friday, November 18, 2011
Como Afecta El Valor De La Casa De Su Vecino A La Suya
Sus vecinos están afectando el valor de su casa. El análisis comparativo de mercado (CMA), método que los profesionales de bienes raÃces utilizan para evaluar el valor de la vivienda se basa en la reciente venta de las propiedades cercanas. El CMA ayudará a establecer un precio de venta exacto y justo y que coincida con la técnica de que los evaluadores locales propiedad de uso en la elaboración de los valores de liquidación.
Precio comparable por pie cuadrado
1. Obtener a disposición del público la información más reciente venta de la casa de su asesor local propiedad del condado, incluyendo el precio de venta, metros cuadrados, el tamaño del lote, edad y dirección. Evaluación de datos de propiedades se pueden encontrar buscando en Internet por el nombre de su condado, estatales y palabras clave como "evaluación de la propiedad o la liquidación del impuesto." Como alternativa, la solicitud de esta información directamente de su condado. Localizar las casas que recientemente vendió cerca de la ubicación que desee valor.
2. Divida el precio de venta de cada hogar por el total de pies cuadrados de la casa. Precio por metro cuadrado es una de las técnicas más comunes de bienes raÃces análisis del valor.
3. Acomodando los resultados de forma ascendente o el precio por pie cuadrado.
4. Elija por lo menos tres lugares cerca de su casa o propiedad que son más similares a su propiedad en el lote de tamaño, edad y cama / bañera combinación, es decir, tres dormitorios y dos baños.
5. Calcular un precio medio por metro cuadrado de los lugares elegidos en el paso 4. Por ejemplo, si las tres casas más cercano tuyo es de $ 100, $ 120 y $ 140 por pie cuadrado, el precio promedio por pie cuadrado serÃan los precios dividido por tres, o $ 120 por pie cuadrado.
6. Multiplique el precio comparable por pie cuadrado a partir del paso 5 veces el total de pies cuadrados de su propiedad. Por ejemplo, si el total de pies cuadrados de su casa es de 2.000, entonces el valor de tasación de su casa serÃa 2.000 veces $ 120 o $ 240.000.
Mi Website Mi Cuenta Facebook My Cuenta de Twitter
Precio comparable por pie cuadrado
1. Obtener a disposición del público la información más reciente venta de la casa de su asesor local propiedad del condado, incluyendo el precio de venta, metros cuadrados, el tamaño del lote, edad y dirección. Evaluación de datos de propiedades se pueden encontrar buscando en Internet por el nombre de su condado, estatales y palabras clave como "evaluación de la propiedad o la liquidación del impuesto." Como alternativa, la solicitud de esta información directamente de su condado. Localizar las casas que recientemente vendió cerca de la ubicación que desee valor.
2. Divida el precio de venta de cada hogar por el total de pies cuadrados de la casa. Precio por metro cuadrado es una de las técnicas más comunes de bienes raÃces análisis del valor.
3. Acomodando los resultados de forma ascendente o el precio por pie cuadrado.
4. Elija por lo menos tres lugares cerca de su casa o propiedad que son más similares a su propiedad en el lote de tamaño, edad y cama / bañera combinación, es decir, tres dormitorios y dos baños.
5. Calcular un precio medio por metro cuadrado de los lugares elegidos en el paso 4. Por ejemplo, si las tres casas más cercano tuyo es de $ 100, $ 120 y $ 140 por pie cuadrado, el precio promedio por pie cuadrado serÃan los precios dividido por tres, o $ 120 por pie cuadrado.
6. Multiplique el precio comparable por pie cuadrado a partir del paso 5 veces el total de pies cuadrados de su propiedad. Por ejemplo, si el total de pies cuadrados de su casa es de 2.000, entonces el valor de tasación de su casa serÃa 2.000 veces $ 120 o $ 240.000.
Mi Website Mi Cuenta Facebook My Cuenta de Twitter
Wednesday, November 09, 2011
Condo and Home Sales Statistics Up to Nov 05 2011
| Single Family Residence | ||
| Time Period | Number of Sales | Median Sale Price |
| Sep 2011 | 4,415 | $321,000 |
| Sep 2010 | 4,248 | $350,000 |
| Aug 2011 | 4,610 | $321,000 |
| Aug 2010 | 4,360 | $345,000 |
| 2011 YTD | 39,976 | $325,000 |
| 2010 | 52,183 | $340,000 |
| Condominium | ||
| Time Period | Number of Sales | Median Sale Price |
| Sep 2011 | 1,282 | $275,000 |
| Sep 2010 | 1,410 | $325,000 |
| Aug 2011 | 1,442 | $285,000 |
| Aug 2010 | 1,435 | $317,500 |
| 2011 YTD | 12,699 | $290,000 |
| 2010 | 17,550 | $320,000 |
Monday, November 07, 2011
13145 Bromont Ave # 24 Sylmar CA 91342
Townhome For Sale located at 13145 Bromont Av # 24 Sylmar, CA 91342.. If you are home buyer looking for a very spacious place to live close to Schools and Comercial area, this is the one
.
On the 1st floor are the living room, Kitchen and a attached garage. On the 2nd story are 3 Bedrooms and 2 Bath, The Master Bedroom has it's own Bath and Spacious Closet. It also has an extra room that can be used as Den, Office or Small Child Room.
It has central air and heat,has been remodeled, it has harwood flooring on the living room and kitchen, new granite counters, and the 2nd floor is carpeted.
Located in the heart of Sylmar, close to the comercila area and freeway but far enough to avoid the noise. It is a private complex with Pool and Jacuzzi, it is clean and safe since only the owners can get in using their fence door keys or remote controls to get in with their car.
If you are a interested buyer, get in touch with me. It is two blocks away from the comercial area, three from the 210 Freeway, and 5 minutes from the Mission Hills College, close to elementary schools and High school.
Sylmar Population 2010: 99125 210 FREEWAY
SYLMAR MISSION COLLEGE SYLMAR PUBLIC LIBRARY SYLMAR METRO LINK
Alberto Pacheco
Real Estate Consultant
http://www.stoppayingrentinla.com Granada Hills Real Estate
Blog: www.losangelescountyrealestate.blogspot.com
Condo and Home Sales Statistics For Los Angeles County
| Single Family Residence | ||
| Time Period | Number of Sales | Median Sale Price |
| Sep 2011 | 4,415 | $321,000 |
| Sep 2010 | 4,248 | $350,000 |
| Aug 2011 | 4,610 | $321,000 |
| Aug 2010 | 4,360 | $345,000 |
| 2011 YTD | 39,976 | $325,000 |
| 2010 | 52,183 | $340,000 |
| Condominium | ||
| Time Period | Number of Sales | Median Sale Price |
| Sep 2011 | 1,282 | $275,000 |
| Sep 2010 | 1,410 | $325,000 |
| Aug 2011 | 1,442 | $285,000 |
| Aug 2010 | 1,435 | $317,500 |
| 2011 YTD | 12,699 | $290,000 |
| 2010 | 17,550 | $320,000 |
www.stoppayingrentinla.com Probates, Short Sales and Foreclosed Homes Available To Preview
www.facebook.com/albertopachecorealtor
www.twitter.com/albertopacheco
Saturday, October 29, 2011
Keeping Your Home Yard Through The Winter
This is the time when people start to want to stay indoors a bit more, especially when the temperatures significantly drop. But you can't neglect your outdoor patios and decks, especially if
you plan to sell soon. Buyers won't want to see broken-wood decks or
corroded wrought iron patio sets in your backyard.
The good news is that if you prepare ahead, you can save yourself time and money. Taking some good housekeeping steps now will allow you to step outside into the fresh spring air next year to a well-preserved outdoor space.
Where to begin? First, if your deck is looking a little worn and tired, make the necessary repairs now. Don't wait until you can stick your foot through a board (like I did). That's not only dangerous but it also mandates a quick fix.
Give your deck a good cleaning and sealing or staining before the weather gets too cold and wet to do this. Make sure you check for loose nails and get rid of any splintery edges by sanding them down. Seal with waterproofing sealants. For these, generally the weather has to be above 32 degrees F and 50 degrees F for sealing and stains, respectively, to work properly.
Put the clippers to work. Take a good look around your yard and decide which plants need to go. Many annuals may have been killed by frost and it's time to clear them away. Keep your flowers looking good by trimming away dead leaves. If you cut your plants back now it will cause them to grow and flower more effectively later on.
Add seasonal plants. You can still have some nice color in your yard if you get the right plants for your yard's climate. Kale and ornamental cabbage are attractive. In warmer climates try primroses for winter color.
Use creative containers with your seasonal plants. Putting a perennial plant in a beautifully painted container can add style and allure to your patio all winter long.
Plant potted vegetables. Nothing's better than fresh food especially when it comes from your own yard. There are some cool-weather vegetables that work well in pretty pots. Things like lettuce: kale, leaf, mustard, and Chinese cabbage are good for this. Also, don't forget herbs; they'll come in handy for the holiday dinners.
Get artsy. Making your yard look good in winter is also about what you leave outside. Those brightly colored throw pillows and rugs that worked great in summer, of course, should be brought inside. Instead get creative with lights that give a sparkle on a cold winter night. Hang plants with ornaments on them. Also, hang bird feeders to attract birds.
Taking a few simple steps to keep your deck, yard, and outdoor furniture in good condition will give you an easy progression into spring. And, if you're listing your home for sale in the winter, these steps are sure to please buyers.
The good news is that if you prepare ahead, you can save yourself time and money. Taking some good housekeeping steps now will allow you to step outside into the fresh spring air next year to a well-preserved outdoor space.
Where to begin? First, if your deck is looking a little worn and tired, make the necessary repairs now. Don't wait until you can stick your foot through a board (like I did). That's not only dangerous but it also mandates a quick fix.
Give your deck a good cleaning and sealing or staining before the weather gets too cold and wet to do this. Make sure you check for loose nails and get rid of any splintery edges by sanding them down. Seal with waterproofing sealants. For these, generally the weather has to be above 32 degrees F and 50 degrees F for sealing and stains, respectively, to work properly.
Put the clippers to work. Take a good look around your yard and decide which plants need to go. Many annuals may have been killed by frost and it's time to clear them away. Keep your flowers looking good by trimming away dead leaves. If you cut your plants back now it will cause them to grow and flower more effectively later on.
Add seasonal plants. You can still have some nice color in your yard if you get the right plants for your yard's climate. Kale and ornamental cabbage are attractive. In warmer climates try primroses for winter color.
Use creative containers with your seasonal plants. Putting a perennial plant in a beautifully painted container can add style and allure to your patio all winter long.
Plant potted vegetables. Nothing's better than fresh food especially when it comes from your own yard. There are some cool-weather vegetables that work well in pretty pots. Things like lettuce: kale, leaf, mustard, and Chinese cabbage are good for this. Also, don't forget herbs; they'll come in handy for the holiday dinners.
Get artsy. Making your yard look good in winter is also about what you leave outside. Those brightly colored throw pillows and rugs that worked great in summer, of course, should be brought inside. Instead get creative with lights that give a sparkle on a cold winter night. Hang plants with ornaments on them. Also, hang bird feeders to attract birds.
Taking a few simple steps to keep your deck, yard, and outdoor furniture in good condition will give you an easy progression into spring. And, if you're listing your home for sale in the winter, these steps are sure to please buyers.
Saturday, October 15, 2011
Wednesday, October 12, 2011
Monday, October 10, 2011
City of Commerce Home Sales Statistics For February 2010
New Listings: 8
Average Listing Price: $ 238,333
Listings Under Contract: 6
Average Listing Price: $ 212,333
Sold Listigs: 1
Average Listing Price: $ 255,000
% Sales Price Versus Listing Price: 104.59 %
% Sales Price Versus Old Listing Price: 104.59 %
Average Days on The Market: 27
www.stoppayingrentinla.com City of Commerce Real Estate, Foreclosures, City of Commerce Probates, City of Commerce Homes For Sale, City of Commerce Short Sales, Maps, Calculators
Average Listing Price: $ 238,333
Listings Under Contract: 6
Average Listing Price: $ 212,333
Sold Listigs: 1
Average Listing Price: $ 255,000
% Sales Price Versus Listing Price: 104.59 %
% Sales Price Versus Old Listing Price: 104.59 %
Average Days on The Market: 27
www.stoppayingrentinla.com City of Commerce Real Estate, Foreclosures, City of Commerce Probates, City of Commerce Homes For Sale, City of Commerce Short Sales, Maps, Calculators
Rescate a Propietarios De Casa
Noticias de última hora: Nuevo Programa de Obama rescata a los propietarios bajo el agua
05 de junio 2011 · Deja tu comentario Su fácil de leer esta historia y ser escéptico ... después de todo, 2012 es un año electoral. Muchos verán este programa propone como nada más que una buena compra de edad votación de moda .... Sin embargo usted lo ve, principales deducciones saldo de la hipoteca están de vuelta en el juego. Eso es correcto, el programa de patrimonio neto negativo mÃtico sobre la mesa.
¿Hay alguna forma en que algo como esto va a suceder dado el republicano (y Tea Parties) intentó pasar a un enfoque más conservador para el gasto? Recuerde que la gente, este es SU dinero del pagador de impuestos el dinero ... ... que se va a reducir los saldos de capital de la hipoteca.
Comparte tus pensamientos .. es hora de rescatar a los propietarios de viviendas?
La administración Obama quiere ayudar a más estadounidenses que luchan permanecer en sus hogares mediante la reducción de la cantidad que debe en sus hipotecas en problemas, un alto funcionario del Tesoro dijo el sábado.
"Estamos definitivamente tratando de facilitar la reducción de más capital," dijo Timothy Massad, en calidad de secretario adjunto del Tesoro para la estabilidad financiera. "Es una pieza muy importante de la solución global", dijo.
El gobierno está intentando a través de programas financiados por los contribuyentes para evitar que los propietarios pierdan sus casas. Casi $ 50 mil millones han sido retiradas del rescate de los bancos 700 mil millones dólares conocido como Programa de Alivio de Activos en Problemas, o TARP, para ayudar a propietarios en dificultades.
La persistencia de alto desempleo y un débil mercado de la vivienda suponen una amenaza para las perspectivas del presidente Obama reelección el próximo año.
Hasta ahora, uno de los programas ha ayudado a unos 670.000 propietarios en dificultades ganar más bajos pagos de la hipoteca. Pero eso ha hecho muy poco para ayudar al mercado de la vivienda en general, que se mantiene deprimida como en otras partes de la economÃa han comenzado a recuperarse.
Un exceso de casas en venta, las ejecuciones hipotecarias, la escasez de crédito y la demanda poco han impedido la recuperación de la vivienda. Los datos recientes muestran que los precios cayeron por debajo de la casa baja visto en abril de 2009 durante la crisis financiera.
"Este ha sido un mercado de la vivienda muy, muy difÃcil como consecuencia del hecho de que pasamos por una crisis financiera terrible", dijo Massad periodistas en el marco de un evento de prevención de ejecuciones hipotecarias en Washington.
Uno de los programas de la administración ayuda a propietarios en dificultades evitar la ejecución hipotecaria, proporcionando modificaciones permanentes préstamo.
Otro programa, el aumento gradual de ahora, da a los estados que han sido los más afectados por la caÃda de precios de las casas de financiación para ayudar a reducir el principal del préstamo de un prestatario, entre otras cosas.
"Creo que los va a hacer una gran diferencia en cuanto a los problemas de los propietarios de viviendas desocupados y la caÃda de precios de la vivienda", dijo Massad. Sin embargo, agregó que el proceso fue complicado.
"Hay problemas de cómo hacerlo, asegurándose de que es justo, asegurándose de que no crean los incentivos equivocados", dijo Massad.
05 de junio 2011 · Deja tu comentario Su fácil de leer esta historia y ser escéptico ... después de todo, 2012 es un año electoral. Muchos verán este programa propone como nada más que una buena compra de edad votación de moda .... Sin embargo usted lo ve, principales deducciones saldo de la hipoteca están de vuelta en el juego. Eso es correcto, el programa de patrimonio neto negativo mÃtico sobre la mesa.
¿Hay alguna forma en que algo como esto va a suceder dado el republicano (y Tea Parties) intentó pasar a un enfoque más conservador para el gasto? Recuerde que la gente, este es SU dinero del pagador de impuestos el dinero ... ... que se va a reducir los saldos de capital de la hipoteca.
Comparte tus pensamientos .. es hora de rescatar a los propietarios de viviendas?
La administración Obama quiere ayudar a más estadounidenses que luchan permanecer en sus hogares mediante la reducción de la cantidad que debe en sus hipotecas en problemas, un alto funcionario del Tesoro dijo el sábado.
"Estamos definitivamente tratando de facilitar la reducción de más capital," dijo Timothy Massad, en calidad de secretario adjunto del Tesoro para la estabilidad financiera. "Es una pieza muy importante de la solución global", dijo.
El gobierno está intentando a través de programas financiados por los contribuyentes para evitar que los propietarios pierdan sus casas. Casi $ 50 mil millones han sido retiradas del rescate de los bancos 700 mil millones dólares conocido como Programa de Alivio de Activos en Problemas, o TARP, para ayudar a propietarios en dificultades.
La persistencia de alto desempleo y un débil mercado de la vivienda suponen una amenaza para las perspectivas del presidente Obama reelección el próximo año.
Hasta ahora, uno de los programas ha ayudado a unos 670.000 propietarios en dificultades ganar más bajos pagos de la hipoteca. Pero eso ha hecho muy poco para ayudar al mercado de la vivienda en general, que se mantiene deprimida como en otras partes de la economÃa han comenzado a recuperarse.
Un exceso de casas en venta, las ejecuciones hipotecarias, la escasez de crédito y la demanda poco han impedido la recuperación de la vivienda. Los datos recientes muestran que los precios cayeron por debajo de la casa baja visto en abril de 2009 durante la crisis financiera.
"Este ha sido un mercado de la vivienda muy, muy difÃcil como consecuencia del hecho de que pasamos por una crisis financiera terrible", dijo Massad periodistas en el marco de un evento de prevención de ejecuciones hipotecarias en Washington.
Uno de los programas de la administración ayuda a propietarios en dificultades evitar la ejecución hipotecaria, proporcionando modificaciones permanentes préstamo.
Otro programa, el aumento gradual de ahora, da a los estados que han sido los más afectados por la caÃda de precios de las casas de financiación para ayudar a reducir el principal del préstamo de un prestatario, entre otras cosas.
"Creo que los va a hacer una gran diferencia en cuanto a los problemas de los propietarios de viviendas desocupados y la caÃda de precios de la vivienda", dijo Massad. Sin embargo, agregó que el proceso fue complicado.
"Hay problemas de cómo hacerlo, asegurándose de que es justo, asegurándose de que no crean los incentivos equivocados", dijo Massad.
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