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Credit cards cutting gas prices with rebates
Credit cards that offer up to 10 percent in gas rebates can take the edge off soaring prices at the pump — as long as you don't dig yourself deeper into debt.
Plastic fantastic for issuers
Consumers are fighting an uphill battle against credit card debt, but issuers have little incentive to lower interest rates. Kristina Greene examines why the market is not more competitive.
$3.5 million of W.Va. consumers' credit card debt erased
Attorney General Darrell McGraw's office has reached a settlement with a San Diego-based credit management company that will result in the cancellation of more than $3.5 million in credit card debt...
Higher minimum payments ahead for credit card debt
Consumers struggling with higher gasoline prices may soon experience another strain on their budgets: higher minimum payments on credit card debt.
So long, credit card
The company said that my debt ratio was too large and that I had, overnight, become a greater risk. So, I closed my account and now do not carry a credit card. I have been doing fine without it.
Services Growth Slows, But Jobs Created
Growth in the giant U.S. services sector slowed in May but remained strong enough to improve the industry's employment prospects, a survey showed on Thursday.
Rates on 30-Year, 15-Year Mortgages Down
Rates on 30-year and 15-year mortgages dipped this week but are up sharply from where they stood a year ago, a main reason behind the slowdown in home-mortgage refinancings.
Reasons to refinance? Let us count the ways
With the rise in mortgage rates, the refinancing bandwagon has almost disappeared over the horizon. Fewer people are applying for home loans, a factor that strengthens the hands of consumers, but could make some lenders desperate.
More Homeowners Take Equity Lines of Credit
About 7.2 million homeowners took out home equity lines of credit last year, up 12 percent from 2001 when 6.4 million such credit lines were established, according to tabulations released today by the U.S. Census Bureau.
To buy or not to buy a vacation home
With summer's sunny arrival, many people will feel the familiar tug of a question they face every year: Does it make sense to buy a home in the place they vacation?
U.S. Home Values Rose 8.5% During First Quarter
U.S. home values on average rose 8.5 percent in the first quarter from a year ago on strong demand and low mortgage rates, but the gains have slowed sharply from prior quarters, Freddie Mac (FRE) said on Wednesday.
Fed Suggests Past Won't Be a Guide for Its Moves
If Alan Greenspan has his way, the Federal Reserve will raise interest rates much more slowly than in the past. The question is whether his hand will be forced by rising inflation.
Loan Applications to Buy Homes Rise
U.S. applications for mortgage loans to buy homes, an indication of future sales activity, rose while refinancings continued to trickle lower last week, an industry trade group said on Wednesday.
Take 'sticker shock' out of home-loan borrowing
Consumers can find out upfront the cost of most services they buy. Many lawyers charge by the hour, Realtors take a percentage of a house sale, and credit card companies must disclose their rates and fees.
Low rates spark a boom in college loan refinancing
Low mortgage interest rates sparked a boom in home refinancing. Now low short-term interest rates could do the same for college loans.
'Interest-only' mortgage a good deal for investors
What do you think of the new"interest-only" home mortgages? As a longtime mortgage broker, at first I didn't recommend them to my borrowers.
Rising rates don't rule out adjustable mortgage option
Mortgage rates have been ticking up since March, and the trend is expected to continue if the Federal Reserve raises interest rates next week, as is widely expected.
The advantages of locking in mortgage loan interest rates
Unless you have a crystal ball, there is no way to precisely predict the direction of interest rates. With this in mind, many borrowers choose to lock in their interest rate for a little peace of mind.
Celebrating National Homeownership Month
Throughout the month of June educational outreach efforts are underway to provide home buying information and financial tools to more families, particularly minorities, in celebration of National Homeownership Month.
Why Prepaying Your Mortgage Is Not Necessarily the Best Idea
Question: I know that it is a good idea to pay extra on your mortgage because over time you will pay off the loan sooner and save a lot of money on the interest.
Mortgage defaults lower as economy improves
The percentage of homeowners who were behind on mortgage payments in the first quarter of this year fell sharply as an improved economy and firmer job market took pressure off household budgets.
Mortgage Applications, Refinancings Rise
New applications for U.S. mortgages rose last week on a rebound in refinancing demand, snapping five consecutive weeks of decline, an industry trade group said on Wednesday.
Mortgage closing costs can be bundled, keeping costs low
When Peter Mensonides shopped for a mortgage, he needed the closing costs to be as low as possible to avoid mortgage insurance. He wanted an accurate estimate of those fees.
Pluses of reverse mortgage
Are you a homeowner at least age 62 who could use additional tax-free income or who would like to retire but can't because your Social Security and other income won't be enough?
Credit Report Errors Common, Costly
Here's a compelling reason to keep closer tabs on your credit report -- 79 percent of credit reports examined in a recent survey contained either serious errors or other mistakes of some kind.
Adjustable-rate mortgage can work out well, but it has risks
Years from now, homeowners will remember the summer of 2003 as the golden age for home mortgages.
U.S. mortgage delinquencies lowest in 4 years
U.S. mortgage delinquencies slipped in the first quarter of 2004 to their lowest level in nearly four years, helped by a robust housing market and improving job conditions...
Paying off the mortgage in retirement
I am a homeowner whose only mortgage is a 20-year fixed home equity loan of $110,000 at 6.24 percent. I am one year into the loan, with 19 left to go.
Mortgage delinquency dips as economy rises
The Mortgage Bankers Association said Monday that delinquency for mortgages fell to 4.33 percent in the first quarter of 2004 from 4.49 percent a quarter ago.
Mortgage not paid off doesn't hurt credit score
If you have a mortgage that has not yet been paid off, that isn't a black mark on your credit score.
Will refinancing solve all my problems?
We got a $328,000 loan for our new house a year ago at 8.5 percent with a prepayment penalty if we sold or refinanced in the first two years.
How To Boost Your Credit Score
Years ago your credit score was a big secret, known only to a select few such as your mortgage and credit card companies.
Federal law seeks piece of mortgage relief pie
I am considering selling a rental house I own. My plan is to invest the sales proceeds into another rental house I own to improve it, also paying down the mortgage balance.
New U.S. Home Sales Leap to Record High
Sales of new U.S. homes surged well past expectations in May to a record high, as generally rising mortgage interest rates did little to restrain home buying...
House Democrats offer alternative budget, tax plan
House Democrats offered an alternative tax and budget plan Tuesday, angling to get Gov. Ernie Fletcher to call the General Assembly back to Frankfort.
Tax Secrets of the Wealthy
Do you use your car for business? If the answer is yes, you want to read this — especially if you hate keeping records of the actual expenses you pay for the business use of your car.
Bidding strategies for first-time homebuyers
Renters Lisa and Fred Flynn are about to dip their toes into the bubbling-hot New Jersey real-estate market. But they aren’t sure how to proceed.
How are home values in your neighborhood?
Single family home prices are still climbing in most large cities across the country, according to the latest quarterly survey by the National Association of Realtors.
Expect Smallest Homeowners Insurance Increase In Five Years This Year
After several years of steadily healthy increases, homeowners insurance is expected to rise by 2.8 percent this year -- the smallest increase in five years, according to the Insurance Information Institute (III).
HUD Secretary Announces Downpayment Assistance for First-Time Homebuyers
Thousands of low-income families will be able to realize the American Dream and purchase their first home because of $161.5 million in funding announced today by Housing and Urban Development Secretary Alphonso Jackson.
Home-buyers' assistance funds disbursed locally
Several San Diego County cities will get a portion of $20.8 million in federal downpayment assistance for first-time homebuyers, the Department of Housing and Urban Development announced Wednesday.
Women become a force in home buying
The antiquated notion that a "woman's place is in the home" now has a more modern twist.
Illinois housing market still booming
The state housing market’s momentum continued in April, with sales of existing single-family homes up 9 percent from April 2003.
Governor declares June 'Homeownership Month'
Gov. Ted Kulongoski issued a proclamation declaring June 2004 as "Homeownership Month" in Oregon.
Team Bush can talk, but boosting home ownership takes action
PRESIDENT BUSH has seized on rising homeownership rates as a major contributor to economic revival and social stability this spring.
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