If you’ve been unable to refinance your mortgage because your loan is underwater, you’ll be happy to learn that the Obama administration has announced sweeping changes aimed at helping homeowners like you. More specifically, if your loan was sold to Fannie Mae or Freddie Mac on or before May 31, 2009 and your loan-to-value ratio [...]
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Archive for the ‘Real Estate’ Category
Changes Aim to Make Refinancing Underwater Mortgages Easier
Written by Nickel - 5 Comments
Published on October 24th, 2011 - 5 Comments
Filed under: Economy, Mortgages, Real Estate
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Filed under: Economy, Mortgages, Real Estate
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Is the Home Mortgage Interest Tax Deduction a Good Deal?
Written by Nickel - 12 Comments
Interest payments on home mortgages have long been tax deductible in the United States. In fact, prior to the Tax Reform Act of 1986, interest on all personal loans was tax deductible. The deductibility of loan interest dates back to the introduction of the income tax system in 1913 when, according to an article in [...]
Published on September 14th, 2011 - 12 Comments
Filed under: Mortgages, Real Estate, Saving & Investing
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Filed under: Mortgages, Real Estate, Saving & Investing
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The Cost of Living in a Paid-Off House
Written by Nickel - 29 Comments
About a year and a half ago, we paid off our mortgage. The issue of whether you should pay off your mortgage early or invest has always been a hot topic in financial circles, but I can tell you this much:
We haven’t regretted our decision to pay off our mortgage. Not even once.
Of course, just [...]
Published on June 22nd, 2011 - 29 Comments
Filed under: Insurance, Mortgages, Real Estate, Taxes
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Filed under: Insurance, Mortgages, Real Estate, Taxes
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Struggling to Survive on $250,000 Per Year?
Written by Nickel - 46 Comments
Over the past year or so, we’ve seen a lot of debate over the definition of wealthy. Much of this discussion has centered on whether or not individuals (or families) earning $250k or more per year are “rich” and should see their tax rates rise.
Without getting into the underlying politics, I think that one thing [...]
Published on April 22nd, 2011 - 46 Comments
Filed under: Education, Frugality, Real Estate, Saving & Investing, Taxes
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Filed under: Education, Frugality, Real Estate, Saving & Investing, Taxes
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Time to Start Paying Back the $7500 First-Time Homebuyer Tax Credit
Written by Nickel - 16 Comments
Remember back in 2008/2009 when the federal government was trying to stimulate the housing market by handing out an income tax credit to first-time homebuyers? As you may recall, these “credits” came in two flavors. The first was essentially an interest-free loan worth up to $7500 that ultimately had to be paid back – nice [...]
Published on March 28th, 2011 - 16 Comments
Filed under: Real Estate, Taxes
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Filed under: Real Estate, Taxes
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A Tale of Foreclosure and Financial Ruin
Written by Nickel - 17 Comments
The foreclosure crisis has been going on for a couple of years now, but it wasn’t until this week that it really hit home. My wife called last night to tell me that our former neighbors – I’ll call them Bob and Sue – had lost their house and would be moving to another state.
For [...]
Published on March 18th, 2011 - 17 Comments
Filed under: Debt Reduction, Mortgages, Real Estate, Saving & Investing
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Filed under: Debt Reduction, Mortgages, Real Estate, Saving & Investing
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Do You Need Renter’s Insurance?
Written by Guest Contributor - 5 Comments
This is a guest post from Bailey Harris, who writes for the Home Insurance Blog. If you like what you see here, be sure to stop by and check it out.
Everyone knows that having an adequate insurance policy is a must for homeowners, but what if you rent? Many people overlook the value of a [...]
Published on January 24th, 2011 - 5 Comments
Filed under: Insurance, Real Estate
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Filed under: Insurance, Real Estate
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Tips for Buying a Short Sale Property
Written by Guest Contributor - 4 Comments
This is a guest post by Emma Martin who writes for J.G. Wentworth, a settlement funding company and purchaser of future payments to individuals who hold assets in the form of structured settlements and annuities.
With so many homeowners trying to sell their properties before they get foreclosed on, buyers can find a lot of great [...]
Published on January 12th, 2011 - 4 Comments
Filed under: Real Estate
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Filed under: Real Estate
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Do You Need Mortgage Protection Insurance?
Written by Laura Martinez - 10 Comments
Have you ever thought about buying mortgage protection insurance? Do you even know what it is? My husband and I first heard about mortgage protection life insurance from our mortgage company. They’ve been sending out little sales pitches along with our mortgage statements.
I’m usually skeptical about programs and accounts advertised by banks, but on the [...]
Published on November 23rd, 2010 - 10 Comments
Filed under: Insurance, Mortgages, Real Estate
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Filed under: Insurance, Mortgages, Real Estate
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Dave Ramsey’s Electric Bill
Written by Nickel - 16 Comments
About three weeks ago, we took a closer look at Dave Ramsey’s new mansion just south of Nashville. In case you missed it, his home spans more than 13k square feet (including a nearly 1500 sq ft garage!) and it has a total assessed value of just shy of $5M.
A common theme in the comments [...]
Published on November 10th, 2010 - 16 Comments
Filed under: Debt Reduction, Real Estate
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Filed under: Debt Reduction, Real Estate
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