Home Appraisals: Changes on the Horizon?
A major legal brawl is breaking out over how homes are appraised, at what cost, and by whom. The outcome could directly affect the price you pay for your next piece of real estate, and the amount of mortgage money you can obtain.
The fight centers on an unusual agreement reached in March among Fannie Mae, Freddie Mac, their federal regulator, and New York Attorney General Andrew M. Cuomo. The agreement took the form of an out-of-court settlement under which Cuomo terminated an investigation of the mortgage finance giants' appraisal practices in exchange for their adoption of a far-reaching "home valuation code of conduct" covering all loans they purchase or securitize.
The code, which is scheduled to take effect on Jan. 1, would shake up the entire appraisal system:
• Mortgage brokers, who originate roughly 60 percent of all new loans, no longer would be allowed to select or pay appraisers. That could force some mortgage shoppers to pay for multiple appraisals rather than just one.
• In-house appraisers at banks and mortgage firms no longer would be permitted to do appraisals for loans to be funded by their organizations.
• Lenders would not be able to use appraisals generated by management companies - firms that contract with networks of appraisers nationwide - if they have a significant financial stake in the management company.
Inflated appraisals - often involving either pressure by loan officers or fraudulent collusion by appraisers themselves - played a role in at least some of the mess we're seeing in many housing markets.
Under the (Fannie-Freddie plan), consumers would be financially tied to the first lender they, or their mortgage or real estate professional, submits their application to. Any subsequent application may require a new appraisal, doubling or tripling the cost and time involved.
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Gas Prices Continue to Spike
The average price of gasoline has jumped another 15 cents over the past two weeks to a national average of $3.62 per gallon of self-serve regular, according to a national survey. That rise continued at virtually the same rate as the previous two weeks, and forecasts are, it will only get higher.
We'd love to hear what you think. Do you think oil companies are just gouging us? Or do you think it's wise to drop the tax on gasoline to help us consumers? Use the comment link below to sound off on this gasoline price spike situation. We'd love to hear your comments and feelings on this subject. And don't worry, even though your email address is required to post a comment, that email address will never be published here for your protection. So go ahead, tell us what you think about the high gas prices!
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Fed Cuts Funds Rate Again
For the seventh consecutive meeting, the Federal Open Market Committee (FOMC) cut the Fed Funds Rate, this time reducing it to 2.00%.
Lowering the Fed Funds Rate makes it less expensive for banks to lend to one another, which could make funding more readily available for consumer loans, such as adjustable rate mortgages, home equity lines of credit and credit cards.
Many believe it may, however, be the last rate cut for some time.
The Fed's statement made it clear that it is tending to two different fires right now; on one hand stoking the economy to keep it from slipping into a deep recession, while also dousing the flames of inflation as the costs of oil, food and other commodities begin to burn out of control.
We'd love to hear your feedback. Have any of the previous rate cuts made any noticeable difference to your personal financial situation? Have you seen lower interest rates on your credit cards, or is all of this rate cutting news not really making any difference at all to the average consumer? Use the comment link below and tell us what you think.
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