stlouismortgage's posterous http://stlouismortgage.posterous.com Most recent posts at stlouismortgage's posterous posterous.com Wed, 10 Aug 2011 07:25:37 -0700 St Louis Commercial Mortgage and Mortgage Lending: Home Prices Fall http://stlouismortgage.posterous.com/st-louis-commercial-mortgage-and-mortgage-len http://stlouismortgage.posterous.com/st-louis-commercial-mortgage-and-mortgage-len

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St Louis Mortgage and Real Estate News –

St Louis Commercial Financing and Home Loan News: Home Prices Fall To 2009 Levels
St Louis Home Mortgage and Commercial Loans | Principal Loan Reduction
877-334-0210 or 314-334-0210 | Floyd Tapia, Commercial Lending and Loan Reduction

The S&P/Case-Shiller home price index covering 20 major markets fell 3.1 percent year-over-year, and was down 1 percent compared with December 2010.

After rebounding nearly 7 percent off their post-bubble lows, prices have fallen more than 5 percent since July and are only 1.1 percent higher than the bottom set in April, 2009.

'January 2011 brought us weakening home prices with no real hope in sight for the near future,' says David M. Blitzer, a spokesman for S&P.

The dismal report followed other negative housing market indicators recently.

Sales of existing homes were off nearly 10 percent in February of 2011 and new homes sales were at a record low with consumers wanting to save money by purchasing foreclosures and short sales.

Blitzer went on to say that "the housing market recession is not yet over and none of the statistics are indicating any form of sustained recovery. At most, we have seen all statistics bounce along their troughs; at worst, the feared double-dip recession may be materializing."

=============================================

Articles and News Sponsored by Liberty Lending Consultants

When applying for any type of St Louis mortgage or refinancing, call Liberty Lending Consultants, the recognized St Louis home loan and refinancing experts, at (314) 336-9111 and ask for Steve Swan or Doug Stahlschmidt.

Business Owners: Call us at (314) 334-0210 and retain us for one of the best commercial loan modification and principal loan reduction programs available. A principal reduction or loan modification can help if you are underwater with negative equity. As commercial lending and loan modification program consultants, Floyd Tapia and his lending and legal team can focus on bringing you innovative private lending solutions to meet all types of financing needs. We have access to the largest portfolio of private lending institutions and investor backed funding sources available.Let us turn your challenges into closings (or from being underwater equity wise) and help you get a St Louis commercial lending, mortgage or financing loan. 

 Sponsored by: St Louis Mortgage, Lending and Refinancing 877-334-0210 Member of the Better Business Bureau Check back daily for more financial news.

We Are Now On Google Maps!

St Louis Mortgage: Scan the below code with your smartphone for more details on the best home mortgage, commercial lending and financing and the best principal reduction program available.

 

=============================================

ARE YOU UPSIDE DOWN ON YOUR HOME?
ARE YOU FACING FORECLOSURE?

What if you could substantially reduce your existing mortgage debt balance in as little as 90 days with one simple application or even get a reduced mortgage principal settlement due to common errors found in 85% of mortgages?

Principal Reduction Program: Watch These Shocking Mortgage Fraud Videos...

You can save your home or business and put a foreclosure stop on the process. A principal reduction or loan modification can also help if you are underwater with negative equity.

 Take action now in order to save your home. Waiting will not help. It will only make your situation worse. This book shown below will take you step-by-step on how to properly fix your mortgage.

Visit our principal reduction and loan reduction website for your FREE loan audit and loan review today!

Before you hire an expensive attorney, do your due diligence first and educate yourself so that you make the right decision for you and your family.  

============================================

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Fri, 24 Jun 2011 13:41:00 -0700 St Louis Mortgage Loan and Lending: Home Prices Have Been Lower http://stlouismortgage.posterous.com/st-louis-mortgage-loan-and-lending-home-price http://stlouismortgage.posterous.com/st-louis-mortgage-loan-and-lending-home-price

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St Louis Mortgage and Real Estate News –

St Louis Finance and Loan Audit News: Home Prices 4.1 Percent Lower In 2010
St Louis Home Mortgage and Commercial Loans | Principal Reduction Program
877-334-0210 or 314-334-0210 | Floyd Tapia, Commercial Lending and Loan Compliance Advocate

American home prices were turbulent through 2010 ending up 4.1 percent lower than the year before, according to analytics firm Clear Capital. And prices are expected

to fall another 3.6 percent over 2011.

The homebuyer tax credit proved an artificial boost to home prices, which tapered off nearly as soon as it expired in April.

The period immediately after created probably the most volatile year of home prices in history, the report claims.

Values declined 5.3 percent over the first 12 weeks of the year, only to spike 9.7 percent through mid August.

But when the market left the summer months, prices dipped right back down another 9.4 percent.

"In terms of home prices, this past year has certainly been characterized by uncertainty,” Alex Villacorta, senior statistician at Clear Capital, said.

He went on to say that "tax incentives and high levels of distressed sale activity had counter effects on home prices which contributed to the fragility of the markets."

At least the decline in 2011 will be a smooth one.

The wild spikes experienced in 2010 will likely be replaced with more gradual price trends this year.

Price forecasts show varying levels of decline across all four regions in 2011, with local markets in the West expected to accumulate the largest overall losses," according to the Clear Capital report.

Prices fell in 70 percent of the major markets in the United States, and half experienced double-digit drops.

Those were Dayton and Columbus, Ohio; Milwaukee, Wisconsin; Tucson, Arizona; and New Haven, Connecticut; Jacksonville, Florida; Virginia Beach and Richmond, Virginia.

In Dayton, prices fell more than 22 percent from the year before.

2011 hasn't look much better for these markets.

Clear Capital expected all but Columbus and Milwaukee to experience double-digit declines again.

But some markets such as Washington, D.C. and Houston, Texas were expected to see brighter improvements.

=============================================

Articles and News Sponsored by Liberty Lending Consultants

When applying for any type of St Louis mortgage or refinancing, call Liberty Lending Consultants, the recognized St Louis home loan and refinancing experts, at (314) 336-9111 and ask for Steve Swan or Doug Stahlschmidt.

Business Owners: Call us at (314) 334-0210 and retain us for one of the best commercial loan modification and principal loan reduction programs available. A principal reduction or loan modification can help if you are underwater with negative equity. As commercial lending and loan modification program consultants, Floyd Tapia and his lending and legal team can focus on bringing you innovative private lending solutions to meet all types of financing needs. We have access to the largest portfolio of private lending institutions and investor backed funding sources available. Let us turn your challenges into closings (or from being underwater equity wise) and help you get a St Louis commercial lending, mortgage or financing loan.

Sponsored by: St Louis Mortgage, Lending and Refinancing 877-334-0210 Member of the Better Business Bureau Check back daily for more financial news.

We Are Now On Google Maps!

St Louis Mortgage: Scan the below code with your smartphone for more details on the best home mortgage, commercial lending and financing and the best principal reduction program available.

=============================================

ARE YOU UPSIDE DOWN ON YOUR HOME?
ARE YOU FACING FORECLOSURE?

What if you could substantially reduce your existing mortgage debt balance in as little as 90 days with one simple application or even get a reduced mortgage principal settlement due to common errors found in 85% of mortgages?

Principal Reduction Program: Watch These Shocking Mortgage Fraud Videos...

You can save your home or business and put a foreclosure stop on the process. A principal reduction or loan modification can also help if you are underwater with negative equity.

Take action now in order to save your home. Waiting will not help. It will only make your situation worse. This book shown below will take you step-by-step on how to properly fix your mortgage.

Visit our principal reduction and loan reduction website for your FREE loan audit and loan review today!

Before you hire an expensive attorney, do your due diligence first and educate yourself so that you make the right decision for you and your family.

============================================

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To "read" the boxy black-and-white bar code above, you'll need a smartphone. If you need a reader APP, you can => Download a QR code APP reader here for your smartphone.

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]]>
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Thu, 09 Jun 2011 06:18:00 -0700 Principal Loan Reduction and St Louis Mortgage Lending: Consumers Still Wanting To Buy Homes http://stlouismortgage.posterous.com/principal-loan-reduction-and-st-louis-mortgag http://stlouismortgage.posterous.com/principal-loan-reduction-and-st-louis-mortgag

Commercial Lending and Commercial Lenders 877-334-0210

St Louis Mortgage and Real Estate News –

St Louis Finance and Loan Reduction News: Huge Majority of Americans Still Want To Own Homes
St Louis Home Mortgage and Commercial Loans | Principal Reduction
877-334-0210 or 314-334-0210 | Floyd Tapia, Commercial Mortgage

As surprising as it seems, a study of the housing market performed by Fannie Mae basically said that the housing crisis has in no way killed the homeownership thirst.

In fact, more than 51 percent of people recently polled said the bust did not change their

willingness to buy a home and an additional 27 percent said it actually made them more likely to do so.

The report, the first close analysis Fannie has taken of consumer attitudes about the rent-or-own decision, found that qualitative reasons such as having the ability to remodel or to send the kids to a better school has overtaken financial considerations as the primary motivators for homeownership.

Although trillions of dollars of equity were wiped out by the housing bust and millions of people will lose homes to foreclosure, nearly two-thirds of people surveyed believe purchasing a house is a safe investment.

More than half the public also thought buying a home was a good idea financially even if they plan to move out in less than three years.

Further, a huge majority, 86 percent of those surveyed, cite income-tax benefits especially the mortgage interest deduction is a big reason to buy.

Fannie found that no matter what their ethnicity or immigration status, Americans generally share similar positive attitudes toward homeownership, even though there are substantial differences among these groups in homeownership rates.

It seems that economic opportunities, not attitudes, account for much of the variation.

Only 44 percent of African Americans own homes, for instance, compared with 71 percent of whites, but that disparity starts to vanish among families in stronger financial circumstances.

African Americans' homeownership rises to 60 percent for those earning between $50,000 and $99,000, for example.

The survey findings have implications for Fannie's business model.

Non-Hispanic whites are projected to account for just 46 percent of the population by 2050.

Immigration will account for most of the population growth between now and then.

And since, as the report stated, "strong homeownership aspirations exist across races, ethnicities and immigrant groups," Fannie can count on future demand for owner-occupied homes remaining strong, as long as the economy cooperates.

=============================================

Articles and News Sponsored by Liberty Lending Consultants

When applying for any type of St Louis mortgage or refinancing, call Liberty Lending Consultants, the recognized St Louis home loan and refinancing experts, at (314) 336-9111 and ask for Steve Swan or Doug Stahlschmidt.

Business Owners: Call us at (314) 334-0210 and retain us for one of the best commercial loan modification and principal loan reduction programs available. A principal reduction or loan modification can help if you are underwater with negative equity. As commercial lending and loan modification program consultants, Floyd Tapia and his lending and legal team can focus on bringing you innovative private lending solutions to meet all types of financing needs. We have access to the largest portfolio of private lending institutions and investor backed funding sources available. Let us turn your challenges into closings (or from being underwater equity wise) and help you get a St Louis commercial lending, mortgage or financing loan.

Sponsored by: St Louis Mortgage, Lending and Refinancing 877-334-0210 Member of the Better Business Bureau Check back daily for more financial news.

We Are Now On Google Maps!

St Louis Mortgage: Scan the below code with your smartphone for more details on the best home mortgage, commercial lending and financing and the best principal reduction program available.

 
To "read" the boxy black-and-white bar code above, you'll need a smartphone. If you need a reader APP, you can => Download a QR code APP reader here.

=============================================

ARE YOU UPSIDE DOWN ON YOUR HOME?
ARE YOU FACING FORECLOSURE?

What if you could substantially reduce your existing mortgage debt balance in as little as 90 days with one simple application or even get a reduced mortgage principal settlement due to common errors found in 85% of mortgages?

Principal Reduction Program: Watch These Shocking Mortgage Fraud Videos...

You can save your home or business and put a foreclosure stop on the process. A principal reduction or loan modification can also help if you are underwater with negative equity.

Take action now in order to save your home. Waiting will not help. It will only make your situation worse. This book shown below will take you step-by-step on how to properly fix your mortgage.

Visit our principal reduction and loan reduction website for your FREE loan audit and loan review today!

Before you hire an expensive attorney, do your due diligence first and educate yourself so that you make the right decision for you and your family.

This book will help you immensely in clarifying what to do and when to do it so that you are successful in this endeavor. Only then can you make the best decision. Click on the book. Read this book.

 60 Minute Loan Modification Programs
This "do-it-yourself" 60 Minute Loan Modification Program has literally saved the homes of thousands of consumers. This is what all homeowners need to help them smoothly proceed through this legal and complicated process.

Permalink | Leave a comment  »

]]>
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Tue, 07 Jun 2011 07:47:00 -0700 St Louis Home Loans and Mortgage Lending: Home Values Still Down http://stlouismortgage.posterous.com/st-louis-home-loans-and-mortgage-lending-home http://stlouismortgage.posterous.com/st-louis-home-loans-and-mortgage-lending-home

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St Louis Mortgage and Real Estate News –

St Louis Finance and Loan Reduction News: Home Values Fall $9 Trillion Since 2006
St Louis Home Mortgage and Commercial Loans | Principal Reduction Program
877-334-0210 or 314-334-0210 | Floyd Tapia, St Louis Loan Modification
 

The U.S. housing market has taken a hard hit value wise. American homes were worth about $1.7 trillion less in 2010 than they were worth in 2009, according to a report released by real estate website Zillow.

Last year's drop in home values is 63 percent larger than the $1 trillion dip in 2009, and brings the total

value lost since the housing market's peak in 2006 to a whopping $9 trillion.

While the home buyer tax credit helped revitalize the housing market in the second half of 2009 and the first half of 2010, home values continued their slide in the second half of the year.

Almost $700 billion in value was lost in the first half of the year, compared to Zillow's estimates of $1 trillion in the second half of 2010.

Only 24 percent of the 129 markets Zillow tracked increased in total home value this year.

Home values increased $10.8 billion in the Boston metropolitan statistical area (MSA), and $10.2 billion in San Diego (MSA).

The areas suffering the biggest drops in home prices include New York City, which lost $103.7 billion in value and Los Angeles, where home values fell $38.6 billion.

The steep declines in home values are pushing Americans further underwater with growing negative equity every year.

In the third quarter of 2010, 23.2 percent of single family homeowners with mortgages owed more on their mortgage than their home was worth which was up from 21.8 percent in 2009.

=============================================

Articles and News Sponsored by Liberty Lending Consultants

When applying for any type of St Louis mortgage or refinancing, call Liberty Lending Consultants, the recognized St Louis home loan and refinancing experts, at (314) 336-9111 and ask for Steve Swan or Doug Stahlschmidt.

Business Owners: Call us at (314) 334-0210 and retain us for one of the best commercial loan modification and principal loan reduction programs available. A principal reduction or loan modification can help if you are underwater with negative equity. As commercial lending and loan modification program consultants, Floyd Tapia and his lending and legal team can focus on bringing you innovative private lending solutions to meet all types of financing needs. We have access to the largest portfolio of private lending institutions and investor backed funding sources available. Let us turn your challenges into closings (or from being underwater equity wise) and help you get a St Louis commercial lending, mortgage or financing loan.

Sponsored by: St Louis Mortgage, Lending and Refinancing 877-334-0210 Member of the Better Business Bureau Check back daily for more financial news.

We Are Now On Google Maps!

St Louis Mortgage: Scan the below code with your smartphone for more details on the best home mortgage, commercial lending and financing and the best principal reduction program available.

 
To "read" the boxy black-and-white bar code above, you'll need a smartphone. If you need a reader APP, you can => Download a QR code APP reader here.

=============================================

ARE YOU UPSIDE DOWN ON YOUR HOME?
ARE YOU FACING FORECLOSURE?

What if you could substantially reduce your existing mortgage debt balance in as little as 90 days with one simple application or even get a reduced mortgage principal settlement due to common errors found in 85% of mortgages?

Principal Reduction Program: Watch These Shocking Mortgage Fraud Videos...

You can save your home or business and put a foreclosure stop on the process. A principal reduction or loan modification can also help if you are underwater with negative equity.

Take action now in order to save your home. Waiting will not help. It will only make your situation worse. This book shown below will take you step-by-step on how to properly fix your mortgage.

Visit our principal reduction and loan reduction website for your FREE loan audit and loan review today!

Before you hire an expensive attorney, do your due diligence first and educate yourself so that you make the right decision for you and your family.

This book will help you immensely in clarifying what to do and when to do it so that you are successful in this endeavor. Only then can you make the best decision. Click on the book. Read this book.

 60 Minute Loan Modification Programs
This "do-it-yourself" 60 Minute Loan Modification Program has literally saved the homes of thousands of consumers. This is what all homeowners need to help them smoothly proceed through this legal and complicated process.

Permalink | Leave a comment  »

]]>
http://files.posterous.com/user_profile_pics/873976/floyd-tapia.JPG http://posterous.com/users/ZyBTI1EOM4p Floyd Tapia stlouismortgage Floyd Tapia
Wed, 18 May 2011 17:11:00 -0700 Principal Reduction Program: Home Prices Dropping Again http://stlouismortgage.posterous.com/principal-reduction-program-home-prices-dropp http://stlouismortgage.posterous.com/principal-reduction-program-home-prices-dropp

Commercial Lending and Commercial Lenders 877-334-0210

St Louis Mortgage and Real Estate News –

St Louis Finance and Loan Modification News: Will Home Prices Drop Another 8 Percent?
St Louis Home Mortgage and Commercial Loans | Commercial Mortgage Loan
877-334-0210 or 314-334-0210 | Floyd Tapia, St Louis Loan
 

 In a shocking prediction, Fiserv, a market analytics company, has scaled back its home price projections considerably.

In February, it forecast national price gains of about 4 percent through the end of 2011 according to principal reduction program specialists.

The company's latest prediction is for

a 7.2 percent drop in prices between June 30, 2010 and June 30, 2011.

In fact, after five months of gains, prices in the 20 largest metro areas fell 0.2 percent in August, according to the latest S&P/Case-Shiller report.

The good news is, "There'll be no vicious, self-reinforcing spiral down," according to Mark Zandi, chief economist with Moody's Analytics. But, he added, "more home price declines are coming."

He's forecasting another 8 percent drop in home prices through the third quarter of 2011, which will put the total peak-to-trough decline at 34 percent. Even after that, in 2012, he sees very little price growth.

Home prices continue to fall because sales aren't taking off. Without buyers, the market can't bottom out.

New home sales continue to languish around historic lows, barely exceeding an annual rate of 306,000.

Existing home sales did rise to a 4.54 million annualized rate in September, up 10 percent compared with a month earlier, but are still well below the boom years.

Of course, nobody is buying homes when they can't find jobs.

And still more people can't hang on to their homes because they're out of work.

Nearly a million homes are expected to be repossessed this year, and analysts seem to be competing to issue the most dire forecast for future foreclosure numbers.

- Morgan Stanley reported that about 3.1 million borrowers are seriously delinquent with many expected to lose their homes.

- Zandi said more than 4 million are in trouble with half of those expected to go to foreclosure.

- And Laurie Goodman, of Amherst Securities, estimates the number of homes in danger of foreclosure at a whopping 11 million or more.

- Real estate analyst Kyle Lundstedt of LPS Applied Analytics said serious delinquencies will continue to spike and will not return even to the current rates which are already at peak levels until late 2012 or early 2013.

=============================================

Articles and News Sponsored by Liberty Lending Consultants

When applying for any type of St Louis mortgage or refinancing, call Liberty Lending Consultants, the recognized St Louis home loan and refinancing experts, at (314) 336-9111 and ask for Steve Swan or Doug Stahlschmidt.

Business Owners: Call us and retain us for one of the best commercial loan modification and principal loan reduction programs available. A principal reduction or loan modification can help if you are underwater with negative equity. As commercial lending and loan modification program consultants, Floyd Tapia and his lending and legal team can focus on bringing you innovative private lending solutions to meet all types of financing needs. We have access to the largest portfolio of private lending institutions and investor backed funding sources available. Let us turn your challenges into closings (or from being underwater equity wise) and help you get a St Louis commercial lending, mortgage or financing loan.

Sponsored by: St Louis Mortgage, Lending and Refinancing 877-334-0210 Member of the Better Business Bureau Check back daily for more financial news.

 

We Are Now On Google Maps!

 St Louis Mortgage: Scan the below code with your smartphone for more details on the best home mortgage, commercial lending and financing and the best principal reduction program available.

 
To "read" the boxy black-and-white bar code above, you'll need a smartphone. If you need a reader APP, you can => Download a QR code APP reader here.

=============================================

ARE YOU UPSIDE DOWN ON YOUR HOME?
ARE YOU FACING FORECLOSURE?

What if you could substantially reduce your existing mortgage debt balance in as little as 90 days with one simple application or even get a reduced mortgage principal settlement due to common errors found in 85% of mortgages?

Principal Reduction Program: Watch These Shocking Mortgage Fraud Videos...

You can save your home or business and put a foreclosure stop on the process. A principal reduction or loan modification can also help if you are underwater with negative equity.

Visit our principal reduction and loan reduction website for your FREE loan audit and loan review today!

Take action now in order to save your home. Waiting will not help. It will only make your situation worse. This book shown below will take you step-by-step on how to properly fix your mortgage. Before you hire an expensive attorney, do your due diligence first and educate yourself so that you make the right decision for you and your family. This book will help you immensely in clarifying what to do and when to do it so that you are successful in this endeavor. Only then can you make the best decision. Click on the book. Read this book. 60 Minute Loan Modification Programs
This "do-it-yourself" 60 Minute Loan Modification Program has literally saved the homes of thousands of consumers. This is what all homeowners need to help them smoothly proceed through this legal and complicated process.

Permalink | Leave a comment  »

]]>
http://files.posterous.com/user_profile_pics/873976/floyd-tapia.JPG http://posterous.com/users/ZyBTI1EOM4p Floyd Tapia stlouismortgage Floyd Tapia