Loan & Credit

May 19 2019

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Freddie Mac – Homestep s

Fannie Mae HUD Homes
for Sale on this site

Home Path
By Fannie Mae

When you are searching for Real Estate in Columbus and Central Ohio in many cases Clifford Realtors is the Real Estate Company that lists these homes for Freddie Mac. We have homes for sale in all of Central Ohio. Unlike many other Companies, we don’t just offer you lists of foreclosures, we actually list and sell real estate. Here you can deal direct with Clifford Realtors the Company that lists many of these homes for sale. We offer the complete MLS (Multiple Listing Service) including condos, town homes, foreclosures and new homes in all Columbus Ohio and all Central Ohio.


DON’T CUT YOURSELF SHORT, SHOP LOAN PRICES!

Americans will clip coupons and hunt around for sales, but when it comes to saving money on major financial loans like a mortgage, they tend to go with the first bank they talk to.

Online lender LendingTree found that four out of five Americans consider themselves bargain hunters. Nine out of ten Americans have researched prices online before purchasing an item. Yet, less than 30 percent of consumers look for the best rates when it comes to major financial loans. Roughly 18 percent stated they never looked for better rates or prices on loans.

Comparison shopping for loans offers the greatest opportunity for consumers to realize substantial savings. Know Before You Owe, a Consumer Financial Protection Bureau initiative, has simplified mortgage disclosure forms to make it even easier to compare loan rates, yet most consumers seem to waive their right to shop around for the best deal.

Suggests Andrea Woroch, LendingTree’s consumer savings expert, “Consumers sometimes may be too focused on price and fail to consider the lifetime cost of interest which is really where banks and lenders make their money. Over a thirty-year mortgage, a one percent difference between interest rates can easily translate to thousands of dollars.”

Four in five Americans use comparison shopping websites, yet only 14 percent of these bargain seekers comparison shop for loan products. LendingTree found that about one-third of home owners did not negotiate their interest rate before buying their home.

However interest rates offered to borrowers often vary from lender to lender. In Q3 2015, mortgage shoppers who received offers from at least two lenders through LendingTree experienced an average rate differential of .32 percentage points between the lowest offer and highest offer, a difference of $48.06 per month. Using this information, choosing the lowest offer could save a borrower roughly $17,300 over the life of the loan.

So if you’re one of the 80 percent of Americans who are willing to drive further to save 10 cents on a gallon of gas, think about the length of time you’ll have your mortgage.


Buying Property That Is About To Be Foreclosed in Columbus Ohio

Question: A person I know has been trying unsuccessfully to sell his condominium. He bought it for $260,000 and owes approximately $180,000 on his mortgage. He has advised a close mutual friend that he plans to “walk away” from it. I’d like to buy it — maybe for $160,000. What is the best way to do this? Do I write the mortgage holder (a bank) that I have an interest in it at a certain price?

Answer: It is a sad state of affairs when people want to “walk away” from their home. Everyone is a loser. The “walker’s” credit rating goes down even further than it currently is, and the lender has one more property to dispose of from their ever growing portfolio.

There are several things you have to do. First, meet with the current owner to make sure he is willing to sell his unit. Next, you have to find out exactly how much the lender is owed. Normally, because of privacy concerns, the lender will only provide this information if specifically authorized by the borrower, so you should get a letter of authorization signed by the condo owner.

You also have to determine if the owner has any other debts that would “cloud his title”. For example, is there a second deed of trust? Has the Internal Revenue Service filed a tax lien against the property? Have the real estate taxes been paid? Is he delinquent on his condominium fees? Most of this information can be obtained through a title search, and you should consult a real estate attorney as early as possible.

Once you get the payoff information, you have two choices. If you are willing to pay the exact amount the lender is currently owed, you should enter into a real estate sales contract with the condo owner and arrange for settlement. Your contract must contain language that it is contingent on the seller being able to convey free and clear title to you, and that there are no other liens or encumbrances other than the first deed of trust.

You do not need the lender’s approval if you plan to pay the outstanding loan in full. However, you have indicated that you would like to buy the condo for approximately $20,000 less than seller owes the bank. Now, you will need the lender’s approval.

This is known as a “short sale”. You will enter into a real estate contract with the seller, which is contingent upon the bank approving the sale. If there is a real estate agent involved, make sure the contract spells out the amount of the commission and who pays it.

Once you have a signed contract, it must be sent to the current lender with a cover letter, requesting their approval. Because lenders are still swamped with short-sale requests (and foreclosures) — and despite procedures requiring prompt action — it may take a long period of time before you get a response.

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