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Did You Know That FNMA...

• Is the largest purchaser and servicer of home loans in the country

• Sets the loan qualification guidelines for all mortgages provided by lenders intending to send loans to FNMA

• Changed the guidelines at least four times since the industry imploded in 2007, making it harder to qualify for a mortgage each time

• Sets the FICO score tiers which can increase interest rates and costs of mortgages across the country

As they say, “he who has the gold, makes the [golden] rule”

Home Buyer Tax Credit Extended

As a continued effort to stimulate the U.S. housing market, Congress passed new legislation that:

• Extends the First-Time Home Buyer Tax Credit of up to $8,000 to first-time home buyers until April 30, 2010

• Expands the tax credit to current homeowners purchasing a new home or existing home from November 7, 2009 through April 30, 2010 for up to $6,500

Both of these tax incentives have income level and time constraints which might apply to the individual. Please check with your attorney and tax advisor for the most current information.

FHA to Change Guidelines

More than 30% of all home loans are currently with the FHA, up from 3% in 2006. Is the Administration taking precaution to avoid the FHA from becoming the new sub-prime mortgage…or is it too late?

Secretary Shaun Donovan addressed Barney Frank and The House Committee on Financial Services about proposed changes to the FHA guidelines that will decrease the eligibility of thousands of potential homebuyers. Possible changes:

•    Down payment requirements will be increased to 5%
•    Third party contributions to homeowners will be reduced 3%
•    Minimum FICO scores will be increased
•    and Mortgage Insurance Premiums (MIP) will go up


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Are you thinking of living in Stowe, Vermont?

May 17 |00:00

Realtor Thursday

A conversation with Teresa Merelman, Stowe Realty, Stowe, VT

Stowe, Vermont is known as a 4 Season Resort Town located in the northern part of the State. It became charted in 1763. Stowe’s year round population is relatively small – 4,314 per the 2010 census, but Stowe is the largest town in Vermont land wise – 72+ square miles.

Dale Speaks to You

Dale Robyn Siegel is available as a keynote speaker, at corporate conferences and small groups. Never boring and always informative, she will empower you with the right stuff to know about all things real estate.

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