How Are Lenders Recovering Money on Distressed Home Mortgages?

Lenders are employing a mixed bag strategy to recover money on bad home loans. Interestingly, the mortgage servicers are the ones showing way to even large lenders on how to settle loans of distressed borrowers. Besides the traditional mortgage modification methods, principal reductions and short sales are some of the other commonly adopted settlement strategies currently. [Read more…]

Don’t Be Afraid of a Down Payment when Buying a House

Those days when it was possible to get full mortgage loans for buying new houses without any down payment are long gone. After the subprime crisis that shook the real estate market, lenders only offer mortgages for purchasing a new house if you have paid part of the purchase amount from your pocket. [Read more…]