35 Burst results for "FHA"

"fha" Discussed on Real Estate Coaching Radio

Real Estate Coaching Radio

05:34 min | 3 months ago

"fha" Discussed on Real Estate Coaching Radio

"With the market shift head on. They realize that good times can create bad real estate salespeople and tough times actually create superstars. I'm going to give you an example. You should read that again. Okay. If you're obsessed with success in real estate, you will meet the market shift head on. The agents that look at it that way realize that good times create bad real estate salespeople and tough times create superstars. That's right. So an example with somebody I just hung up with Jennifer Turner, great up and coming agent in Texas, everything we talked about today was a direct result of the market shift. The amount of things that she's learning and putting together because she now can get FHA buyers in contract. She now knows a lot more about different types of mortgage products. She knows how to deal with home inspections. All of that kind of thing didn't really matter even a year ago or 6 months ago. So she is meeting the market head on. And you know what? She was excited to be adding to her knowledge base because she realizes that she can help someone more people as a result. What is your quote there is absolutely true. Good times, good real estate markets create bad real estate salespeople and bad real estate markets create superstars. And that is unbelievably true. Now here's an advantage old grizzled veterans like Julie and I we are and a lot of you have had the same experience. If you've been in the market, especially during the housing bust, you have got to be licking your chops at what's going on now. You've got to be going bonkers waiting for the market to actually start adjusting to a balanced market and maybe to a buyer's market some parts of the country because you know your competition is not going to be ready because you know that 99% of your competitors have only sold real estate during good times, which means they have virtually no real skills that are applicable to this market that's coming. Now if you know that's true, if you're one of those agents that you've only sold real estate during the good times, you don't know it yet, but you do not have the skills for this new market. Do not wait to lose for you to discover what I'm telling you is true because what it unfortunately a lot of you are going to do is you're going to lose and you're going to lose and you're going to lose and you're going to lose your way out of the real estate business because you did not actually set your ego aside except the fact that a new market requires new skills. Don't wait for the bad things to

Jennifer Turner FHA Texas Julie
"fha" Discussed on Real Estate Coaching Radio

Real Estate Coaching Radio

05:06 min | 3 months ago

"fha" Discussed on Real Estate Coaching Radio

"By 7 or 8%, so does your commission, especially in a market like this, refer to point number one. Julie next point? Yes, okay, and this point is a diamond in the rough. Assumable loans will be a huge selling point for sellers that have those locked in lower interest rates. Now, I did some research on this. FHA VA and USDA loans, all of them are assumable. It is a feature of that type of loan. Now, who is most going to be affected by that? So assumable means, let's say that I own a house. Let's take maybe rental house in Columbus. A typical first time buyer house, and I'm the owner of that house, and I locked in a three and a half percent and I bought an FHA. 30 year fix. Three and a half percent, and let's say you bought an FHA, so you only had to put 5% down. Let's say you paid 15 grand for our 300 grand for it. So you had to put 15 grand down, you owe 285,000 on it, and let's say that you want to then somebody wants to buy the house and you have something that they don't have. You have an assumable mortgage. So what they have to pay you is your down payment, your 15 grand back, plus whatever hypothetical additional appreciation on the house was. So let's say after a year, the house was worth three 30, they're going to have to they're going to have to pay you $45,000. And then they can assume your mortgage. That's a huge benefit to essentially all these government type loans. And there's every reason to believe that the government type ones in a market like this, I know this is counterintuitive guys, but this is what happens. They're actually going to become easier to get the because everything else is essentially putting over on overrides on everything and the government loans are actually starting to lessen the overrides. So more loan officers and more real estate agents and more everybody is going to start using the government for loans. Yes, so as a listing agent to go back to our assumable. If I've got that house for sale for three 30 and the neighbor's house is for sale for three 30, my House is going to sell faster because I've got that assumable lower interest rate. The thing that you guys don't realize because you've never actually, this maybe this is the first time you've ever heard of it. You are not asking that question when you're taking a listing if they know that it's assumable or not, you have to start asking that and there is a place in the MLS when you enter a listing to check off if it is an assumable loan. You also might start seeing some seller financing creep in and some other creative stuff. Thank you for reminding me. So let's say you're buyer doesn't have the $45,000 down to buy the house I just described to you. Well, that doesn't mean the seller can't give them this is how Julie and I got our second property. The seller can actually give them a second mortgage. So you will assume the first mortgage, you'll assume their FHA loan and let's say then you as your buyer or the buyer representing then has to put down, let's say, 15 grand or whatever, that added 30 grand that the seller wants out of the house, they'll then give that to your buyer as a secured second mortgage. It's leaned against the property. It's filed properly.

FHA Julie USDA Columbus government MLS
"fha" Discussed on Real Estate Coaching Radio

Real Estate Coaching Radio

05:53 min | 5 months ago

"fha" Discussed on Real Estate Coaching Radio

"Retool every aspect of your business. And that's exciting. That shouldn't be something that depresses you. Yes, that's a good thing. It's a great sorting out, really. What is it? And we did do a podcast which was, I think it was something like 12 questions you should be asking your lender to help you guys with this. Of course, you get the real drill down with your premier coaching, the coaches talk to you guys about this all the time. But the point is that they're going through a shift as well. And different lenders will come, I got a great email from some lender I'd never heard of from a company I never heard of. But the things that she put in her email were all about the changing market. She was talking about adjustable rates. She was talking about, yes, FHA and VA, we don't just do those words specialist at that. She had like ten different really specific market shifting bullet points that was clearly thought out for what's actually happening in the market. And she was now marketing to agents. So yes, you might have to change your relationships. You might have to have more relationships, more options. One of the things I'm already seeing is experienced agents who have the these are listing agents who have the buyer side dying on them because something got screwed up. They're having to take that file and put it with their trusted lender that does know how to get this stuff through. But it takes an experienced agent to even recognize that that can happen. So we'll be talking more about those points in the future, but I have to say, I think that the future belongs to the flexible, the future belongs to the versatile agents who have their minds open to learning new things and upgrading their skills versus hanging on to what they thought was going to be the same forever. And I think there's a lot of really good things that are coming from this market. You can't just say, oh my gosh, the world's coming to an end, it's a crash. It's not a crash. It's a shift. And you've got to shift your skills along with it. So if I were a mortgage broker with a bunch of loan officers or fire alone officer, here's what I would do, because just hear me out, you're going to be dealing with a lot of perspective agents in your market price. This is just for loan officers that don't know what to do. And they're going to be confused. They have been maybe some of them very successful in the past market because of the past market in that past market doesn't exist anymore. Easy money, easy lending, all that's going to be out of the market for a long period of time. What I would do is I would definitely sign up for premier coaching and I would learn when it takes to be successful as a real estate agent. Then what I would start doing is seminars teaching agents had to be successful real estate agents because they don't know using premier coaching content or even better, why don't you get all your.

FHA
"fha" Discussed on Real Estate Coaching Radio

Real Estate Coaching Radio

04:41 min | 5 months ago

"fha" Discussed on Real Estate Coaching Radio

"Now, who is most going to be affected by that? So assumable means, let's say that I own a house. Let's take maybe rental house in Columbus. A typical first time buyer house, and I'm the owner of that house, and I locked in a three and a half percent and I bought it FHA. 30 year fixed. Three and a half percent and let's say you bought an FHA, so you only had to put 5% down. Let's say you paid 15 grand for our 300 grand for it. So you had to put 15 grand down, you owe 285,000 and let's say that you want to then somebody who wants to buy the house and you have something that they don't have, you have an assumable mortgage. So what they have to pay you is your down payment, your 15 grand back, plus whatever hypothetical additional appreciation on the house was. So let's say after a year of the house was worth three 30, they're going to have to, you know, they're going to have to pay you $45,000. And then they can assume your mortgage. That's a huge benefit to essentially all these government type loans. And there's every reason to believe that the government type ones in a market like this, I know this is counterintuitive guys, but this is what happens. They're actually going to become easier to get. Because everything else is essentially putting over on overrides on everything and the government loans are actually starting to lessen the overrides. So more loan officers and more real estate agents and more everybody is going to start using the government for loans. Yes, so as a listing agent to go back to our assumable, if I've got that house for sale for three 30, and the neighbor's house is for sale for three 30. My house is going to sell faster because I've got that assumable lower interest rate. The thing that you guys don't realize because you've never actually, maybe this is the first time you've ever heard of it. You are not asking that question when you're taking a listing if they know that it's a suitable or not. You have to start asking that and there is a place in the MLS when you enter a listing to check off if it is an assumable loan. You also might start seeing some seller financing creep in and some other creative stuff. Thank you for reminding me. So let's say you're buyer doesn't have the $45,000 down to buy the house I just described to you. Well, that doesn't mean the seller can't give them this is how Julie and I got our second property. The seller can actually give them a second mortgage. So you will assume the first mortgage, you'll assume their FHA loan and let's say then you as your buyer or the buyer representing then has to put down, let's say, 15 grand or whatever, that added 30 grand that the seller wants out of the house, they'll then give that to your buyer as a secured second mortgage. It's leaned against the property..

FHA Columbus government MLS Julie
"fha" Discussed on BiggerPockets Real Estate Podcast

BiggerPockets Real Estate Podcast

05:21 min | 9 months ago

"fha" Discussed on BiggerPockets Real Estate Podcast

"So that's banks are letting institutions that land and keep the deal on their own books. They don't go sell it to anyone else. So when it comes to your specific situation or asking, if it's that simple, why isn't it easy? It could be easy. If you bought a house with an FHA loan, you put three and a half percent down. And you wanted to refinance out of that so that you could use another FHA loan. That wouldn't be too hard. You would basically there's conventional loans that you could refinance into where you put 5% down. So let's say you buy a $500,000 house and you put down three and a half percent. So that would be what, $17,500. And then you want to refinance into a conventional loan that needs 5% down. Well, that would be 25,000. As long as you have $25,000 of equity in that deal, plus enough to cover your closing costs, you can do that. So you walked in with 17,500. If you gain another 20 or 30,000 in the year, you would have enough at that point to refinance into a conventional loan, you could buy another house with an FHA loan. But you might not have to. The FHA loans are not the only loans you can use to buy a primary residence. There are conventional loans with 5% down. Now right now they're not able to use for multi-family in most cases. Those are for single-family residentials because the government guidelines shift a little bit. But still, you can just buy another single-family house with another 5% download the next year and not even have to worry about refinancing. Then the year after that, you could do the same thing again. That strategy is simple and easy. And that is why I say every single listener of this podcast every single real estate investor. Should be assuming they can manage a property or pay someone else to do it and have the funds to do it should buy a primary residence every year and house hack it. You should go in for three and a half to 5% down. You buy in the best neighborhood the best area that you can. You live there. You rent out parts of the home to other people. There's tons of ways to do it. You do it with the duplex and a triplex and a four plex, you do with a basement, you do it with an ADU, you do a two houses on one lot. You rent out the rooms of the house. You buy the house, you put up some walls and you make it into separate spaces. There's lots of ways you can do that. But it is simple and it is relatively easy. It's just not convenient to have to share your house or share your space or whatever. But there's ways of doing it that you don't have to share the space, right? Eye house hack and I don't have to share the space. I just take a portion of the property..

FHA
"fha" Discussed on BiggerPockets Real Estate Podcast

BiggerPockets Real Estate Podcast

03:11 min | 9 months ago

"fha" Discussed on BiggerPockets Real Estate Podcast

"I currently do not have any rental properties. And I'm looking to get my first unit which is going to be two to four unit small multi-family. I want to use either a Mac alone, which Tony Robbins has talked about on the recent work you replied podcast or an FHA loan. And from there, what I want to do is add value to it, kind of burp, but I don't want to take my money back out. I just want to transfer the loan from either a naco or an FHA to a conventional. So that way I don't have to have the owner occupancy restrictions of those loans over my head and have a little more flexibility with it. So here's my question for you is this. I.

FHA Tony Robbins
"fha" Discussed on Real Estate Rookie

Real Estate Rookie

05:03 min | 9 months ago

"fha" Discussed on Real Estate Rookie

"The bank will be putting 80,000 holding the mortgage for that. A family friend would be paying me or giving me $20,000 to spiral. Let's say I pay a $1000 as a fee, so I owe them a total of $21,000. What's the best way to be able to still cash flow the property and pay them back? So the first thing I think of is if you are borrowing from a bank for a rental property, make sure that for the down payment, you are allowed to borrow money and that you don't have to use your own money. If you're doing an FHA loan, they do require you to use your own money, some conventional loans, you could go to the commercial side where they usually don't care at all where the money is coming from. But just make sure that is clear with the bank that you are allowed to borrow for the down payment. If you are not allowed to borrow for the down payment, you can receive money from family and friends, but you will have to have a gift letter written. So the letterers stating that, say your mom gave you $20,000 for the purchase of the price purchase of this property and it is a gift and does not need to be repaid back. So that's something that can be done if you do need to get that down payment gifted. So for saying a $1000 fee. So what you work out with the family members or your friend is doing kind of a payment plan and making sure that just works into your number. So say your mortgage on this property is $500 per month. And you are going to pay back your family, the balance plus maybe 3% interest or something like that. And that ends up being another $300 a month per se. So can your property afford an $800 mortgage payment per month? Or you set this up outside of the property where maybe when you're running your numbers, you're putting that down as $20,000 invested as cash put into the deal and then that way you can see what your cash on cash return is and then the money you're actually paying back your family is coming out of maybe your W two and coming some out of the cash flow of that property. So there's different ways to kind of analyze it and look at it..

FHA
"fha" Discussed on Real Estate Rookie

Real Estate Rookie

03:35 min | 10 months ago

"fha" Discussed on Real Estate Rookie

"In my wife's name with 5% down, conventional loan, satisfied, 12 month rule, or super aggressive in our savings. And then we bought a duplex in the same neighborhood, and that's what we're living in now. And we're on the end of our 12 month timeline. So I've got the itch. I've got the buying. It's out there, we're shopping, and seeing what we can find. So yeah, that's it for today. And that's where we're going. Okay, so let's talk about the financing of all these properties. So the first one you did 5% down in your wife's name. So did you do an FHA loan or was it conventional loan with 5%? Yeah, I did a 5% conventional loan in my wife's name on the triplex and a 5% loan and my name on the duplex. And I'm a realtor with KW now and I've recommend that to all our clients because those 5% loans, they come and go, sometimes they're offered sometimes they're not offered. The FHA is always going to be there. If you can afford the 5% loan, it's a superior loan to the FHA. So jump in there, get it while it's there. And there are certain requirements for it. But if you meet those requirements, definitely go for it. Can you elaborate Adam on why you feel the 5% conventional loan is better than an FHA? Because in FHA, you can go down to three and a half percent. So what in your experience has made the conventional better option? Because it's another low down payment option loan that may or may not always be there. We know albeit the government doing something weird. The three and a half FHA loans always going to be there. Most likely, right?.

FHA Adam
"fha" Discussed on BiggerPockets Money Podcast

BiggerPockets Money Podcast

05:31 min | 1 year ago

"fha" Discussed on BiggerPockets Money Podcast

"Eventually, when I got to the process of buying the house or of getting the house under contract, what else are going to say? The blender came back to me and said that if I put 5% down, I'll be able to buy the property by myself. So I just did that because it made sense to do so. And so about the house, now I'm a homeowner, and then I got the call that I was getting set to the middle of the desert or field exercise for like two months. So I had the house, but I didn't have any tenants, and I didn't want to pay my mortgage, you know. I bought the house to house act, not to pay my own mortgage. And so I basically I took I created a system trained a buddy to do all of it for me and ended up renting out all the bedrooms while I was gone on that exercise and it's a phenomenal deal today. I get it depends on the month like 13 to $1500 a month in cash flow because I rent out all the bedrooms and I see on the futon and I think it works out to like a 20 or 70 70% return to something like that. It's abnormally high 'cause I only had to put 5% down. But that's like the rough breakdown. Oh, should I go deeper into the numbers like purchase price and stuff like that? I want to do that in just a minute, but before we get into that, I want to give a little bit of an explanation so because you're a veteran because you're active duty, you have the option of a VA loan, which typically comes with a 0% down payment. It's one of two loan programs that I know of that are zero down payment options, most like a conventional is a 3% down is the lowest you can go and FHA loan is a 3.5%. I don't want to get too far into the weeds because this is aimed at younger listeners, but the VA loan normally comes with a 0% down, but he couldn't qualify with his current income and all of his situation with the 0% down. But if he could come up with 5% down, then he qualifies by himself. So that's a very interesting option. I'm so glad your lender told you that because if you have the opportunity to buy a house by yourself, you are ultimately responsible for everything, but then also you get all of the cash flow of what did you say $1500 a month?.

FHA VA
"fha" Discussed on Real Estate Rookie

Real Estate Rookie

04:38 min | 1 year ago

"fha" Discussed on Real Estate Rookie

"Savings for number one, but deal number two is holy crap. How do I make that happen? So for that second house hack for the down payment wasn't money that you had just saved up from your first House hack from all of your other hustle that you were doing and then from a financing perspective, were they able to take the income from your first House hack and use it towards your approval for the second house hack? Yeah, so it was a combination of just saved money and capital. I also did this one went under the name of my girlfriend. So it was basically a combination of using I could have also done it under my name, and you can have two owner occupant loans as long as you move out of the previous one, but we chose to do two FHA's in order to do that. It had to be in a different name because you can only have one if FHA loan at the time. And in terms of the bank being able to use your rental amount to qualify you for another property, yes, that's something that can be done. Using your girlfriend's name for the mortgage I think is super smart. We do that all the time for our short term rentals, where we have partners, sometimes I don't care. The more whoever it kind of makes the most sense to carry the mortgage as a person that does. I've got some. My partner has some, his wife's got some my wife's got like it's just like a mortgage party, everybody's got a mortgage, right? But it's whatever makes the most sense to help you continue to scale your business. I think it's a great point for the listeners. I went to ask kind of a tough question because we don't really ever talk about this, but what happens if you guys were to split up? Do you guys have an agreement in place? I mean, we talk about business partners where they have the operating agreement. It didn't play what happens there or if you're married, you get divorced, what happens there, but we've never talked about if you're dating someone how does that happen if you guys are doing this business together and putting names into different properties? Ashley, you know she's gonna listen to this, right?.

FHA Ashley
"fha" Discussed on Real Estate Rookie

Real Estate Rookie

03:58 min | 1 year ago

"fha" Discussed on Real Estate Rookie

"You can't explain everything in one conversation. So send them podcasts to listen to on their free time and say, hey, this is what I want to do. Don't just tell them right off the bat. Hey, I'm goodbye house. You lend me some money. You know, you got to explain to them what you want to do. And there was they see your vision. They see that you're absolutely driven. And then that end that you will absolutely pay them back, they'll be much more likely to lend you the money. And like I said, if it's an FHA loan, three and a half should be too much. Yeah, I actually did some things similar to what you're asking Zach with my sister when she graduated college. We actually purchased a house together where she needed money for the down payment. And what we did was she went and got the FHA mortgage. And I gifted her. So I gave we wrote a gift letter that I was gifting her the money for the down payment and the closing cost for the property. And in this gift letter, it states that she does not have to pay me back for this money and the loan will accept that. So what we did was she got the mortgage in her name. And then we became 50 50 owners of the property. So we are 50 50 on the deed. The mortgage is only in her name, so it doesn't affect my debt to income at all. And I gave her the funds for the down payment, closing costs. So the benefit to me is I got into an expensive property for a low amount of money because if I went to go buy an investment property and wanted to use as little of my own cash, I would have to put 20% down or pay cash for it. So that was an advantage to me. And it's an appreciating area. So long term, this is a long-term benefit for me. My sister is living in one unit. She's renting out the other. The benefit to her is that she's only paying $45 a month to live there. That's where her cost are. Yeah, so great benefit to her great long-term benefit to me. If she eventually moves out, we split the cash flow from that when the other unit is rented. And then if we end up selling the property, I get 50% of the equity that's slept in the property after selling it. So that is definitely one way you can structure it. And when you are trying to approach somebody to be your partner, make sure that you're approaching it as it's an opportunity for them. Not just that you need them and you need the money, making an opportunity for them. So yeah. Can I add one thing to that to you ash?.

FHA Zach
"fha" Discussed on Real Estate Rookie

Real Estate Rookie

04:33 min | 1 year ago

"fha" Discussed on Real Estate Rookie

"You can still afford to cover those mortgage payments, correct? Absolutely. Would you just talk about the risk of that when going to purchase a house hack and being able to afford the mortgage payments in case something does go wrong just to lower your risk compared to going out how come you didn't go out and buy a $500,000 duplex with high end luxury and depend on the other tenants to make that payment and then not be able to afford it if they moved out. Can you talk about why you decided on the price point that you did and the affordability of the mortgage payment? Well, this house was kind of a one of a kind thing. And it came like I said, it was a Grand Slam equity off the bat. I acquired the halls for 97,000. The first appraisal came through at one 65. So I bought it on the FHA loan. Yeah. Yeah, absolutely. So you didn't even do anything to it yet. Nothing. Nothing to it yet. Oh. So it's seasoned. It's seasoned and for 6 months. I held it as FHA. And I was kind of worried if it was going to pass or not. It has some faults to it. And I took another risk there. You know, I paid $700 for FHA appraisal. And if you flunk that, you don't get that money back. So, but that was a risk. I was willing to take. Obviously. And it paid off it passed FHA standards. So it got through and then, you know, I pretty much what's the old cliche you make money on the buy and that's pretty much what I did. So everything passed that point has just kind of leveraged off of my initial $3000 investment and there was really no reason why I would go for a higher price point than that because like you said, if something happens and you can't rent out either unit, I can still cover it..

FHA
"fha" Discussed on BiggerPockets Money Podcast

BiggerPockets Money Podcast

02:04 min | 1 year ago

"fha" Discussed on BiggerPockets Money Podcast

"Three grant down and i paid like fifty five thousand dollars for the house. You really can't do that anymore. We moved in. It was an fha loan and like eighteen months later i went and got a refinance than it was worth like one twenty. Did you cast out refi. And that's and that's what. I was like yo real estate as soon as very interesting. Because i had been broke for thirty years and then i tried for three years and i had made more money than i ever made in my life now is just equity but still i was like this is gonna this trajectory as a whole different than the entire. First portion of my life had been so. That's why i knew. I was like rag responsibility. Here are the results it works now. Let's go run with it okay. So you bought the first house you lived in there for eighteen months. Refinanced it for a ridiculous amount of money. Did you pull the money out of the house to go. Buy another house. I am a very risk averse investor. I go slow. I don't try to get me all the time like. I'm not trying to get rich in two years. I'm trying to get rich and forty. So i don't need i don't need i don't need to Take risks that other people are willing to take because they get starry-eyed about you know some some profit some theoretical prophet right. Because we've just gone through away dude. And i had had negative incident like no matter what you think the world is going to become with rosy eyed glasses eight ken and will fall. And you will be hurting ause like dude. I don't need to put myself in a position to lose again especially so soon so all that said i think i ended up whenever refinance. I lowered the rate and i dropped the pm. I so i actually kept my payment. The same and i took out whatever. The difference wasn't alone which was about one thousand nine thousand so i still left the vast majority of the equity in the deal..

fha ken
"fha" Discussed on BiggerPockets Real Estate Podcast

BiggerPockets Real Estate Podcast

04:42 min | 1 year ago

"fha" Discussed on BiggerPockets Real Estate Podcast

"We live in a capitalistic country. Which is why real estate investing is possible in the first place the whole reason that as blue collar w. two type people that are not born into wealth real estate works is because we live in a capitalistic society and because there are people who make bad decisions often times in life that allow us to capitalize on us every time you buy foreclosure or a great deal from someone that's because somebody else either didn't manage that asset well or didn't manage their own finances well and that's why i became a foreclosure in the first place. Now i'm not saying look for other people's mistakes and pounce on him i'm acknowledging the reality that that's the way things work the reason that i can rent my properties out other people is because they don't own real estate maybe they don't save money maybe they don't have a great credit score. Maybe they just don't wanna own real estate but oftentimes because they can't are you gotta take the good with the bat if we love the capitalistic nature of real estate investing because it allows us make wealth we also have to recognize it supply and demand play a role in that and right now there is not enough supply for as much demand as we have and so there's a lot of competition for these houses. People wanna live in them for themselves and they want to own them as investors and you are now competing with all those same people so rather than getting angry about it and saying well. I'm just not going to do this at all if i can't buy an. Fha loan is worth considering. If this is the best idea now what i always tell people is take yourself out of your own head and your own perspective and put yourself in the other person's yes an. Fha loan is great for you. You only have to put three and a half percent down and the pm is pretty low and the rates are really good we do. Fha loans for our clients all the time. They're a great product however they're not as good for the seller and here's why..

Fha
"fha" Discussed on BiggerPockets Real Estate Podcast

BiggerPockets Real Estate Podcast

03:44 min | 1 year ago

"fha" Discussed on BiggerPockets Real Estate Podcast

"It is no harder by triplex that it is a single family house and so you can do either one. So i like to recommend find that triplex maybe live. In one of the units you can get an fha loan three and a half percent down rent out the other units and then move on later on. Stay for a little while. Like i love that strategy but really you could become a multimillionaire with either one so pick something and just dive in learn about it. Grow and you're gonna crush it as long as you're focused as long as your learning the business and doing it right all right other question. Let's see how do you find the after repair value or the value of property for multifamily properties. That's a great question. Here's the thing. I want to differentiate between small multi enlarge multifamily so small multifamily in the lending sense or in the valuation sense means duplex triplex or four plex now larger multifamily which are commercial. Properties are five unit in greater. So we're separate hero. Quick so small multifamily properties are valued typically typically based on what other small multifamily properties have sold for. So this duplex was two hundred for two hundred thousand. This duplex sold for two twenty. This duplex sulfur to ten. Okay yours is probably worth around two ten. That's how you figured out on the small side now. It's harder to find you know especially in a smaller area. It's kind of hard to find comps time which are comparible sales. But that's still how they typically do it now on the larger multifamily side. It's based on something called like the income approach in other words a commercial property which could be like it could be warehouse that could be a retail center a shopping mall or a five unit or greater multifamily. Those are valued based on the profit. They generate i want to go into the desert details on like how cap rates ny work but the basic ideas the more prophets a property generates the more it's worth and that would make sense right. I mean if you're comparing because you can't really compare apples to apples when it comes to those larger deals like if you buy a thirty two unit apartment.

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"fha" Discussed on Money For the Rest of Us

Money For the Rest of Us

01:39 min | 1 year ago

"fha" Discussed on Money For the Rest of Us

"There are also private reverse mortgage programs to post a four million dollars. The interest rates are much higher with a reverse mortgage the distributions that you take are not taxable because it's debt and it's very similar to how the wealthy this ultra-wealthy will cover living expenses. They will borrow money against existing assets. Because you're taking out debt. That's not taxable income a reverse mortgage works in the same way the interest on the reverse mortgage isn't deductible for taxes until you actually pay it off but if one paid off part of the reverse mortgage that interest would be tax deductible. You can repay the balance any time without penalty. But it doesn't have to be paid until the home is sold or until the homeowners. Pass away and at that point. The heirs have about twelve months to repay the loan balance or give the keys to the administrator and they'll sell the house reverse mortgages get kind of a bad rap because the programs have changed a lot the fees can be high but we've seen the interest rates. Aren't that different than a where there's some additional fees is the mortgage insurance premiums and the mortgage insurance is paid to the fha and used to protect the borrower if the company that issued the reverse mortgages not able to meet its obligations to produce funds the draw on the equity and it's.

fha
"fha" Discussed on Rotated Views

Rotated Views

03:36 min | 1 year ago

"fha" Discussed on Rotated Views

"I'm like dude. It only has four. Can't cut them off. he's like he's like i'm going to cook. You got to buy a box of tile. Because he so if someone wants to actually begin investing or maybe purchasing their first home. What are what's your advice. Someone who's experienced someone who you've probably seen multiple markets. I would assume right full market. So yeah so i mean what would what would you recommend. Maybe just a newly married couple or something like that. And just so they're not screwing them. So i tell you i have some people who are looking right now in the market and they have like again like fha financing money. Three point five percent down. It's not going to get anything right now. You know why you got ten people behind it. I had ten and twenty percent. Some have cash so it's a very difficult market. What would i say to someone like that. I would actually sit down with them. Kind of look at everything. See where where they're at and see if they can wait a year can. Can you hold out for another year. You know what your situation. You know. The markets i can already see. The market's a little bit different than it was six months ago. So can you hold out a little bit longer until we can really make a good move for you. Because i think right now if you make that move. I think you're going to be pushed in a way that you might not like what i mean because what's going to happen is i'm going to be coming back to you saying. Guess what we lost that deal. Why while they had cash and they're not doing inspections do that someone who really doesn't care their agents town on. This is the way to get it done. But i don't want you to do that so we're gonna do this. My one of my buyers young couple two kids just finally got on my house but i went through ten deals ten offers my eleventh one got accepted and you practically have to beg. You have to do know inspections but then you gotta go in and make sure everything looks good and there's a lot of work someone who's never bought a home wanna take those risks. I don't want them to take that risk. I'll never tell someone not to do inspections by guess what there's a lot of people who aren't doing inspections and right now the way to the house bought so why would say you know you gotta. Everyone has a different story. And of course but you know if you could wait a little bit you know. Let the market settle down. Let these nominees. You know getting overbidding on everyone. And then then let's get out and look for house what about you and your wife. Invested have investment property. So what about that. So obviously someone has their first home their living They're making a little extra coin or whatever they have the money or they're scared to make that next move knowing they probably should to properly invest their money. They want to stick it into real estate. So what's your suggested. Someone's kind of on the fence. I don't know what i should do. They build their confidence up. I or should they have so they consult with someone like you. I who has experience. Absolutely i really do think you should talk to someone who has some experience if you don't have any experience l. e. Sit down get some conversation. Find out some of the things they did. Just that you understand it. I will say i didn't do that. I understood what i was doing. I would have loved to have someone i could have. Bounced those ideas off on. But i didn't. I really didn't know anyone who is doing it. So i took a lot of chances as i.

fha
The Guy Who Did Everything Wrong But Still Figured it Out with David Pere

BiggerPockets Money Podcast

09:24 min | 1 year ago

The Guy Who Did Everything Wrong But Still Figured it Out with David Pere

"Paret welcome to the bigger pockets. Money podcasts. I i talk to you today. Thanks for having me on the show. Mindy scott always a pleasure. Yeah we it's always a pleasure for scott and you're just for being on the show that was that was like a comma scott calm like always a pleasure for both of you. Okay okay probably a bad use of commas. I'm big fan of the comma. Anyway david paret is a career marine corps officer and heat. I learned about the term fire from our very own got trenched and brandon turner some schmuck who hosts another one of our podcast for bigger pockets and he learned about it in the most five way. Possible on a hike in hawaii. Why were you in hawaii david. I was stationed out there. Okay okay so. I was there for business business. Let's do some air quotes around that business although as ceo. I guess it's really convenient to go out to talk to brandon hop on clay instead of just hopping on zoom. Anyway david paret. Where does your journey with money. Begin first off for those listening. I have to correct you. I listed i am. I am not fancy and i actually say that with a badge of honor because i think that actually makes for anyone listening to this who's military that actually makes this way more Powerful because. I'm just an enlisted schmuck. So everyone thank you for correcting me. Please germany correct me. I really wanna try learning all of this military suffered. I'm just wrong all the time so sorry about that. Are you an enlisted officer or just Just an enlisted marine. He's an enlisted marine. Okay now tell us your money story. Are you on board with us using the term semper fi to describe your journey absolutely. That's an accurate statement or disrespectful to the phrase semper fi. No no it's motto. It means always faithful. So oh okay. Tell somebody already david. My money story starts off in all those same places that most service members do terrible right. I joined the marine corps in two thousand and eight. I had super frugal parents. Who did all the right things. Even to envelope budgeting. They taught me all the things you're supposed to do. Bought the off brand stuff to save money. And then i joined the marine corps. It was my first real salary. I went to japan. And i was like. Oh my god. I got money and i blew it on everything i went to a on even went on a deployment tax exempt pay. I came home with seventeen thousand dollars. And i bought a truck a rifles and tattoos a bunch of alcohol and probably took some people out on dates and have nothing to show for any of so. I did Terrible things you know by the time i was. I would have been two thousand thirteen to fourteen. When i i mean i probably had an a negative net worth and somebody handed me the book. Rich dad poor dad because they were trying to get me into Amway ride in helped me sell stuff on the side. And i remember telling the guy like no joke i was just like i don't read like you know like i'm a marine. We don't read books which is not entirely true but And he pulled a cd like out of his pocket and was like wow. I've got a cd. And i know you drive a lot on recruiting duty. So plug this in. And listen to it and i listened to it originally with the intent of like well. He called my bluff final. I'll listen to the stupid book. And then within three months. I had bought a duplex and things just started. Roll like i. I listened to that book i like. Oh wow this is cool. I downloaded audible. Listen to a couple other purple library books and then i was googling. Every time i didn't understand they just go to google. And then i stumbled upon bigger pockets and then the book on rental property investing in the book on no and low money down and then like right in the same timeframe someone got really drunk and parked on top of my harley and so they totalled my harley but they didn't want to he owned a car dealership so he didn't want he didn't wanted on insurance so he just paid me cash and then i took it to the viewership and they paid me for it and so i basically got the original price. I'd put into this bike at the same time. Like looking for a duplex and use an fha loan bought a duplex lived in one half rented the other half and then things just kind of scaled from there. So at this point. You're sitting there. And you're just becoming aware of wealth-building concept in general and it doesn't two thousand fourteen. You have basically no wealthier debt at all at that point. Yes so i guess. By the time. I read this book. It was actually probably october of two thousand fifteen. I had a little bit of debt. I mean maybe maybe a few thousand in credit card debt in an auto loan. But i didn't have. I probably didn't have a thousand dollars in the checking account so i only had you know i probably only had like a negative three or four thousand five thousand dollars net worth so. It wasn't like terrible but it was definitely nothing to show for it at all. But you were contributing to your tsp right a little bit. I had done the minimum like eight to ten percent. But what i had done. And this is the There's there's different funds right. When i first joined your money went into the fund which is government backed securities which is in perspective. I've been putting eight to ten percent. Mit because someone told me to. But between two thousand eight and two thousand fifteen. I left it in a fund that essentially earned two. Maybe three percent interest never lost money but it earned two percent interest while the rest of the stock market was earning twenty thirty percent returns coming out of the two thousand and eight recession and i just ate it so i could have way more money in their if i just know where to put it or what more money in. So it wasn't until two thousand fifteen that i really cranked up and started putting twenty thirty Last year sixty percent at one point in my in my thrift savings plan. Okay so this was not a meaningful part of your position at the time when this all started right now i probably had five grand. Dsp ray how much cash did you have at the time as well. If i hadn't totalled my or had my harley totaled basically none. I was pretty much living paycheck to paycheck. How does a harley jump. Start one's cash position. I i don't really. I don't have a perspective on. This is a motorcycle worth eight. Grand is it worth fifteen twenty. Twenty-five i i have no clue. No no no not that much. I probably got probably like eighty five hundred out of totaling. It wasn't super expensive harley and it was a few years old i've probably got about eighty five hundred but i was living missouri which is super affordable and then i was able to use the fha loans. I got into this house for like four grant. I think it was thirty. Eight hundred bucks. So you're stationed in missouri and you buy a duplex and can you walk us through kind of how the housing allowance and all that kind of stuff works for those who are not familiar with military benefits just so we can get a a total picture of your position at this. Starting point. pleasant fifteen yeah. I i think in springfield. My housing allowance was like eight hundred and fifty dollars a month and the housing allowances tax exempt. So it's you don't pay any taxes but actually counts as a little bit more As far as debt to income goes towards your lender. I think it's like one point two five times. Whatever your housing allowance cost when you go to buy. But at the time i was living in an apartment and there's like five fifty a month for a two bed one bath apartment and my lease was coming up on and do so. I was able to get into this place. I bought the duplex for eighty. One thousand my mortgage was six fifteen and there was attended one side for four seventy five Market rent was like five fifty. So i was like okay. Well this could. this could work nothing else. I'm going to be paying one hundred and whatever that math is one hundred forty dollars a month out of pocket for the mortgage as opposed to the five fifty. I was paying on rent. And i probably should've used the. Va loan on that but nobody knows anything about the va. Loan and the lender actually told me not to because he told me quote unquote you can only use it once which is wrong air so much confusion around the va loan. I hope that somebody someday we'll sit down with a really great lender and talk all about the. Va loan and if they have already it would be awesome to link to that in the show notes because the va loan is only applicable to who service members veterans Some federal employees but generally just service members and veterans. Okay so that's not necessarily all of our audience. But i think it's really important to note that you can use it more than once you can use it a lot more than once. You can use it as many times as you want. There's some stipulations there. Because you have to renew the eligibility and after two or three times it gets kind of kind of convoluted but you can the first time you can use it. There's no limit on it anymore. So you can go and buy. There's a guy. I don't wanna knock on wood right now. There's a guy under contract on a triplex for one point. Six million dollars in the bay area right now that we're we're helping and he's going to basically move into this thing zero down and he's high income earner out of the military veteran and in the medical field so he's got a good day but he's gonna pay zero down get like two and a quarter two and a half percent interest on this thing and his tenants are essentially going to pay the mortgage and then he's going to be on the hook for maintenance repairs.

David Paret Paret Mindy Scott Brandon Turner Marine Corps Hawaii Schmuck David FHA Brandon Amway Scott Germany Japan
From $33k in Debt to $100k+ in Net Worth Through House Hacking & Smart Saving with Budget Girl

BiggerPockets Money Podcast

06:46 min | 1 year ago

From $33k in Debt to $100k+ in Net Worth Through House Hacking & Smart Saving with Budget Girl

"Sarah. Welcome back to the show. I'm so excited to see you again. Thank you so much. I'm so thrilled to be here. Tell us what you've been up to the last three years. I believe in three years since i last spoke with you like on online. I've spoken to offline. Yes so last time i was on the show i had just paid off thirty three thousand dollars student loan debt on an average thirty thousand dollar income. I started at twenty six. And since then i have Saved a bunch of money and now have an over one hundred thousand dollar net worth and i am the owner of a duplex ashley. Hundred thousand air over here and if you haven't mentioned this earlier but if you haven't already go back and listen to episode six because it's just incredible i mean it's it's not the most debt we've heard paid off in the show but it's the most debt we've paid off her had seen paid off in the shortest amount of time relative to the income level that you had it's truly remarkable impressive feat and no surprises that you're becoming wealthy a few years later with the after after achieving that thank you it is. It's a lot more fun to build up the wealthy to pay off the debt. I'll tell you that and a lot faster too. That's really fun. Just grow compound. Interest is working for you or against you. Can you tell us a little bit about Just to catch up on the money story before we get into the review. You come a little bit of catch-up on the duplex potentially or any other highlights of the journey of the last three years. Yes so The duplex purchase. I actually have only had for ten months. So i bought it right when the pandemic started my i was wrenching and i was saving up for a property. 'cause i knew i wanted to do multifamily and i found the perfect place after shopping for a year. Right is the world went to hell so it came to the at a very good time because my rental apartment was actually going to increase three hundred dollars a month and so i started really seriously thinking like if i find the deal that where the numbers work. Let's go ahead and do this. So it was a two hundred thirty thousand dollar property in college station texas and it has three bedroom two bath on each side little backyard little three parking spots freeze unit very cute little things in a little subdivision near the campus texas a and m university campus in the direction that the campus is growing. So i very much anticipate that that will increase in value. And it already has. It's actually already to fifty after ten months. 'cause i just replied oh right i would point out that somebody else on this call also purchased in the path of progress and that would be scott not me because we have different investment styles but that is a really great thing that i think some people don't realize or take into account if the path of progress is going north. You did to be looking north. Because those are where the properties are going to appreciate at a faster rate than the potential path of progress than outside the potential path progress that nothing's guaranteed scott. Had a really great way to choose his property to and it was smack in the path of progress yeah parallel also my properties with two hundred and forty thousand dollars a very similar type of deal for us and even our cabinets are the same assault on instagram. Yeah the same exact cabinets that by my head but let me ask you. This is your property located what he said a path of progress in the best area. You could be living in right now if you were to purchase anywhere in the In a thirty mile radius not even close. But it's also not in the worst it's kind of a medium area. There's some older homes nearby and there's also a they just built like a walmart and a shopping center there and but more importantly texas owns so much of the surrounding area and they keep building in that direction. And i mean the university plans are on the website for free. You can go look at them and that like they're planning on growing in that direction so i could be just like a spit from one of their like giant new enormous buildings and a couple of years. Awesome in my understanding. Is your house hacking this. Yes so i am renting outside a i. Actually originally i inherited a hud tenant who is paying ten fifty a month. Her lease ended at the end of february. I m doing some fix ups on the project this month in march and i have a new tenant moving in april at twelve fifty a month also and i understand that you're crowd sourcing feedback on your remodel on instagram. So you can follow her at go budget girl and she really wants more opinions on how what color. She should paint the kitchen cabinets. A second. is that right. Oh definitely and the other parts of the house hacking of course is i actually so i have renters on a i live in but my boyfriend also lives with me and i charged him five hundred dollars a month in rent because nobody sugar mama i was. I was gonna say how did that him. That's still a good deal right. That's less than the other half the other side so like it's a three bedroom unit so we have an office and we share a bedroom. He has a lease that i worked for him. And we've both side with you know contingencies for things. It might happen. He didn't have a deposit he doesn't have pet rent and he essentially gets way more space than he would anywhere else in town for that price and due to that he's helping me with the a unit right now. He was mopping yesterday. While i was at work all right perfect it works out. But i'm glad there's the conversation and what's your mortgage payment on this It was originally just under seventeen hundred dollars a month. So i was paying one hundred fifty dollars a month out of pocket and but just reside and i was able to go down almost a whole point so my new mortgage is going to be fifteen sixty four so just under sixteen hundred so i'm going to be making one hundred dollars a month. That's fantastic. And so why did you refi. Generally it was it was it because of the Interest mostly or was there like pm. Is that you're able to shed or what were some of the things around that. Unfortunately i wasn't able to shed. Pm i quite yet. But i saw that interest rates were dropping. I was pleased with my rate. Got a three point six five right around the time that everything was going down and then it bumped up a little bit and i did. Fha loan so. I only put three point five percent down. Even though the property appraised for tenure. And more than i paid and even though it's now worth tango and more than that i'm still not quite to the level where i can shave off the pm. I but that's one hundred fifty dollars a month. And i find that to be worth it.

Texas Scott Ashley Sarah Instagram Walmart
Renters Rights And the Mortgage Forebearance extension

Clark Howard Show

06:16 min | 1 year ago

Renters Rights And the Mortgage Forebearance extension

"So we have had unprecedented moves over the last year to protect renters and borrowers from facing eviction for renters and foreclosure innovation for borrowers in mortgages and the clock had reached midnight on those programs and there are changes for both borrowers and renner's and there's been so much confusion about this. I want to talk about renters. So as a runner. You don't have automatic protection. You have rights that can prevent innovation but only if you exercise those rights. The rights only extend to people who can demonstrate the have suffered financial harm because of corona virus and. We really have been split as a country. They're tens of millions of people who've suffered extreme hardship with job and the rest and then san tens of millions others of others who actually are in better financial shape almost a year out from the onset of corona virus in the united states than they were before so it is a really story for renters. You have a form you have to fill out that we have a link to it. Clark dot com where you verify the economic hardship you've had you must go to your court dates if your landlord goes after you anyway and the courts are usually doing things by zoom or some other online means. But if you don't appear your landlord even in the midst of eviction moratorium will still be granted relief by the court and you will in fact be evicted. So it's up to you to do the paperwork. Proactively send the paperwork to your land or the landlord pretends to ignore it and files for dispossessed. Ry eviction on you. You must go through the process of protecting yourself in court and also make sure that you keep notes when you notified your landlord the form you provided them. You also provide to the court to assert your rights. The meek do not remain in their apartments. You must stand up for yourself. In the case of homeowners there are more protections because with renner's once the moratorium lifts which is likely this spring that will with at that point. You in theory. You're supposed to pay all your back rent now. That's not realistic right. If you've been unemployed or underemployed for a year but the landlords will be free at that point to move forward with an eviction before moratoriums lift in your financial situation does start to stabilize. I said when not if you want to approach her landlord and see if you can work out a payment plan with them to start working on the back rent otherwise all the eviction moratorium did was buy you time but you still facing ultimate eviction for people that are mortgage borrowers now. That process has split. People who have fha mortgages now have a better blanket of protections then people who have loans that are underwritten behind the curtain by fannie mae or freddie mac. Most people's loans are in fact underwritten by fannie mae or freddie mac the Foreclosure moratorium has been extended ninety more days. Four people with fannie. Mae freddie mac if you are in some kind of forbearance you get ninety days added to that if you need it beyond what was originally a maximum twelve months in the case of fha borrowers you now have protection till early summer till june thirty in order to then work out a new payment arrangement the fha because it is a direct federal agency loan the fha will have fairly standardized procedures. Matt point on what your workout will be how you will eventually make good on the money that you did not pay over the last year in the case of fannie mae and freddie mac there will be a number of different ways that lenders deal with you. They have some Latitude in how they work out. Payment plans with you. The likeliest course that will work for most people is the miss months or full year or so of mortgage payments will be added onto the back of your loan as an additional Months or year or a little more year loan that is for many people going to be the best arrangement but again you cannot be passive. You must be active here and you just don't stop paying and when the moratoriums over you just don't say okay. Everything's gonna be great. You're the one who's got to be active with your lender on coming up with a workout arrangement. What they do in commercial real estate all the time with commercial mortgages are workouts and you will be doing Work out of your mortgage where it works for you and the lender.

Renner Fannie Mae FHA Freddie Mac Confusion Mae Freddie Mac Clark United States Matt
Jumbo and FHA mortgage rates set record lows

South Florida's First News with Jimmy Cefalo

00:31 sec | 2 years ago

Jumbo and FHA mortgage rates set record lows

"On 806 and record low interest rates driving up mortgage refinance applications. Last week, Reef eyes were up 6% for the week and 88% higher than a year ago. Rates for F H a loans, jumbo loans and 15 year fixed rate mortgages all set record lows. Read for the most popular mortgage. The 30 year fixed rate was essentially unchanged at 3.1% Applications for loans to buy homes were down 1% last week, a 25% higher than this time last year. More

A Million Mortgage Borrowers Fall Through Safety Net

WSJ Your Money Briefing

07:33 min | 2 years ago

A Million Mortgage Borrowers Fall Through Safety Net

"Early on in the pandemic Congress set up a program to protect homeowners with mortgages from losing their homes. But about a million borrowers have fallen through the safety net missed payments and late fees or putting them at greater risk, and that's further heightening fears of an eviction and foreclosure crisis with more on why so many borrowers have fallen behind on their mortgages despite this relief program, we're joined by our reporter Andrew Ackerman Andrew. Thanks for joining us. Hi, Charlie. Thanks for having me Andrew. I, tell us how this program known as forbearance works. It's unique to this crisis forbearance in the past has been used very narrowly for hurricanes or very regional Zaslov this time it's being used to keep as many people nationally in their homes as possible who are harmed rather virus and it just means you can skip up to a year of payments on your mortgage. And then make them up later. Somehow there's a little bit of a complication because it it applies to all federally guaranteed loans which are most of the market Fannie Freddie or fha backed loans. There is a market for private loans or loans aren't backed by the federal government, and some of those lenders are offering forbearance and others aren't, but for most of the market people can get this. Okay. So when we talk about one million homeowners falling through the cracks, what exactly does that mean that means is that there are a million people who have for whatever reason stopped paying their mortgage their at least thirty days behind or delinquent, and they are not in a forbearance plan. This includes both borrowers with Fannie and Freddie loan as well as people who have a private loan alone from a portfolio loan with a bank or something you know securitise in the private markets will don't. They know about the forbearance program are they scared to participate what exactly is going on here? That's a good question and I think the data's kind of murky but the from talking to lenders, some consumers, some counselors, the picture that we have is that a lot of people don't understand what forbearance means so they don't. Really know what their options are. The other thing is that early on especially early on and still somewhat today the messaging from the lenders was you can take a forbearance, but you're GONNA have to pay all of your mis- payments in one lump sum at the end of the forbearance, and that's really scared people that the scripts that the mortgage companies go through with people on the phone have changed significantly and there's a lot more outreach and education efforts that some of the lenders are trying the consumer groups in some lenders. Say It doesn't go far enough. They'd like better marketing but those are the two factors. There's uncertainty or it's an unknown thing and there's this fear that people have to pay everything back at once and that's just not feasible for most people. Why don't you describe for us the process of trying to obtain forbearance how hard is it? It shouldn't be that hard. There's no documentation requirements. You Literally Call Your Service and you say you can't pay and you WANNA forbearance and they're supposed to the the law, the a rescue bill from March called Cares Act. It says that people are entitled to up to a year. It's says six months that can be renewed for another six months. You have to ask for it. A lot of the lenders have been offering customers short of six months at a time they've been doing three-month for. That can be extended another three months and then twice more beyond the initial six months. Just kind of depends on the lenders it's supposed to be really easy to get. It's still confusing even the we've talked to people who got the forbearance and they were also getting letters from their lender saying that they were at risk of foreclosure because they've missed all these payments and so you get these contradictory messages from your from your lender those lenders are saying hey. Just ignore these letters these contradictory letters we were required, send them by state or federal law, and just know that you've got a forbearance but we still talk to people who said that kept them up at night. Well, I was wondering, for instance, people were jumping through hoops trying to find information about forbearance on the telephone well that he has also been a significant issue if. You talk to counselors and some of the consumers we talked to they would say that I mean they describe this kind of bureaucratic nightmare to be honest everything has happened kind of quickly if you talk to the lenders, they say they're moving to kind of implement this forbearance plan on a scale that's never been envisioned for forbearance before. So they're hiring people to take calls their. End Result is at least initially, the times were significant. People were waiting a long time to get someone on the phone when they did get people on the phone calls might be dropped or they'd be sent to voicemail at the servicer and then they wouldn't hear back. So you have to kind of call the main number again, unfortunately, a lot of the servicers that the way. They're set up you can't just call one representative at the servicer. So you just of are dealing with somebody different every time they're following a script. So what they can say can be kind of very tightly controlled, and if it's with jargon people who aren't very skater even people who are sophisticated and don't know a lot about the mortgage market, you know it can be. It can be very confusing. These terms are not it's not intuitive. Are there a significant number of borrowers who've been in forbearance but of defaulted? Anyway that's the peculiar thing. There are significant numbers are what I would I think it's fair characterizes significant. There's about two hundred, fifty thousand people who were in forbearance at one point since the pandemic there now, no longer in forbearance and. They. are still past due on their loan and it begs the question. We don't know why that's the case. I haven't been able to find someone situated like that. But that's what the data shows and we we talked to people who had experience during the last crisis in two thousand eight and there were always people who just the lenders couldn't reach out to you know they. Knew, they were behind, they thought they were in trouble, and so they docked there servicer at every turn and it's speculative. But people think that that's that's this population kind of fits into that camp and so there are some efforts to reach out to those people. I would also say that two hundred fifty thousand is relatively small. There's fifty three million mortgages in this country Million people have been on forbearance at some point since the crisis started were down, it's under four million. Now, most of the people who've exited forbearance are either performing on their mortgage or they have paid off their loan. So it's an alarming number. It's relatively small and the whole universe and the whole mortgage universe. But there is also a concern that as people kinda hit the six month period who still need help that the number would increase because they won't know they actually have to request the extension, the additional six months. What are the next steps to watch for in this forbearance program? What's on the horizon forbearance figures overall spiked In April, May I believe June and they've steadily declined since the summer or late summer and what will be interesting to watch whether or not that trend continues or you see more people who need help, and probably if you see that, you'll see more people kind of falling through the cracks here where they don't know how to get help that sort of based on macroeconomic trends. Major companies are laying people off tens of thousands of people, and that's I think the Big Question Mark Wall Street Journal reporter Andrew, Ackerman. Thanks a lot Andrew. Hey. Thanks for your

Andrew Ackerman Andrew Reporter Federal Government Congress Charlie Fannie Freddie Fannie Freddie Representative FHA
Reverse Mortgage - burst 2

Reduce Debt Increase Wealth

02:57 min | 2 years ago

Reverse Mortgage - burst 2

"Hello Mr Chuck here this week. I'M GONNA talk about reverse mortgages I know have been saying that he cannot finance your retirement, but there is one option is not a very good one, and that's reverse mortgage, so we're GONNA go over. What is a reverse mortgage and whether or not you should do it or I don't even think he should put it in. Your retirement plans to even use it, so I'm going to start with an article. FROM BANK RATE DOT COM. Air Thing. You need to know about reverse mortgages by holly. Johnson. And under my new format on a read, what I think is important. Then make comments and then skip down, not gonna read the whole article. If you want to read the whole article, I have a Lincoln my show notes everything you need to know about reverse mortgages. Every verse, which is a type alone where the homeowner throws a portion of their equity, but don't have to repay the loan until they leave the house. One of the most popular types is a home equity conversion mortgage. H. E. Siham which is ensured by the US federal government of the widely available eight C. h. e. c. m. products are only offered by fha approved lenders reverse mortgages can be a solution for customers, age, sixty, two and older, who own homes, outright, or have a Lisa considerable amount of equity to draw from me, wondering why Anyway one borrow against a home when they worked hard to pay off. Why not remain you home in lived there debt? Debt free according to Steve Irwin Executive, vice president of the national reverse mortgage lenders association, nobody gets up in the morning and thinks about reverse mortgages, and whether they should get one and instead they think how they're gonNA pay for healthcare fixed a roof. Pay The property tax or have enough money to live the retirement. He says every Royce mortgage provide solutions to these issues and many others, so people can live more financially secure lives as they age. Okay well. That's some pretty good information right there, and if your strat if you're retired over age sixty two and you have a major event in your life such as you need new roof. Or healthcare issues, which is probably more likely. You can do a reverse mortgage. So what is I reverse mortgage?

Mr Chuck United States H. E. Siham Steve Irwin Johnson Lincoln Vice President Lisa Executive
Here’s what you need to know about paying your rent or mortgage

Dan Proft

05:09 min | 2 years ago

Here’s what you need to know about paying your rent or mortgage

"So we talked a lot about the P. P. P. over the last couple of days the payroll protection program trump suggesting yesterday that he once said two hundred fifty two or fifty billion dollars to that the loan forgiveness program for small businesses what about individuals who are wondering about how they're going to pay their mortgage as they're waiting for the disaster relief checks or for unemployment insurance benefits to kick in for a discussion about the mortgage business we're pleased to be joined by our friend David hopper vice president lending of team Hochberg and home side financial David thanks for joining us appreciate it thank you ram appreciate the opportunity so thinking about people in financial distress or certainly concerned about being in financial distress in the not too distant future depending on how things transpire what are some of the questions you're getting in the recommendations you're making to people yeah well again thanks a lot for the opportunity your listeners are gonna fall into fort Meade a mostly four categories one there you're gonna have a party mac clone they're either going to have Fannie Mae Freddie Mac and will throw three categories trying to be pretty back FHA or VA okay Fannie Mae Freddie Mac allow your listeners and the easiest way to find out guys is to just call the eight hundred number on your mortgage statement and call them up and ask them if you have a female Freddie Mac FHA loan if you have a VA loan you you most likely would not be a long serving in our military or our a surviving spouse what what cleaning may forty mac have have issued rules that their servicers can allow up to twelve months of forbearance here's the biggest challenge though a forbearance is when a borrower can differ mortgage payments without any late fees or down any hits on the credit the challenges it's up to the servicer the person that has your mortgage that you're writing your mortgage thank you to make that determination what they've said is spinning the forty mac and come out and said is if you call them and state that you're having economic hardship economic challenges due to corporate nineteen coronavirus they will put you into a forbearance without any issues here's a challenge with Randy for Fannie Freddie rules state that if they put you to a three month of forbearance for example if you call today you could defer your April may and June payment but come July what your listeners to allow listeners don't realize come July first when the to my mortgage payment is due they want the ninety days of deferred payments as well so that's a major challenge and I called up my servicer who is chasing set what happens if listeners borrowers can't make that hundred twenty days worth of payments obviously they're going to permit into forbearance because we've got challenges he's like well they have to call back again they're not gonna make it easy for you you have to call back and either ask for another forbearance for loan modification at that time but see anybody Freddie Mac rules clearly state in a recent letter that they sent out to all other other servicers that farmers can get up to twelve months worth of errands now on the FHA rules FAQ role is completely different and this is important for your listeners to understand if you have an FHA rule FHA wrote FHA will allow six to twelve months worth of forbearance so they'll give you six blocks at a time but again you have to call your servicer who is the company that you write your checks to and request forbearance now the difference between winning may Freddie Mac and FHA the FHA has stated after the twelve months worth of forbearance they will allow you to allow farmers to add a second loan with zero percent interest on the backs all the missed payment you made for the six or twelve months there will be a subordinate loan added at zero percent interest that no penalty to the borrower that will be paid off when you either refinance or sell your home the T. and there hasn't been any rules released yet for VA loans Ross I would I I would you'd you know share that with you listen it's a constantly moving thing right now and we're trying to stay ahead of it the best we can why are they offering forbearance for six to twelve months is that an indication about how long they think this may last sort of a hedge what will it be pretty macros of Fannie Mae and Freddie Mac is already have forty wrote written rules for their servicers to offer up to twelve months which means you know what they know okay that is it's going to be this is war I'm not trying to freak your listeners out but I I survived nine eleven I survived oh wait and I'm telling you right now eight we had what may be seven to eight hundred thousand people unemployed which was a huge hit to the economy you're you're talking twelve fifteen twenty times that number so what Fannie Mae Freddie Mac FHA are doing is trying to get ahead of it so you don't have bar were standing around the corner at the gymnasium is trying to do loan modifications like they did in a weight which is a complete

P. P.
FDA changes boost alcohol for sanitizer from ethanol makers

AP News Radio

00:36 sec | 2 years ago

FDA changes boost alcohol for sanitizer from ethanol makers

"With NFL the it's FBI's really April team owners hard first handling voted to find Tuesday upon of its to us surveillance it expand but there potentially are the playoffs bills program due by came there this one under could week team be scrutiny millions in each and conference millions after of for of Americans a gallons total the investigation of fourteen of who hand no longer next sanitizer into have season a ties job as coming between they for continue a online paycheck Russia to plan and for the two the made the thousand twenty Associated by twenty sixteen season ethanol Press to trump is begin compiled producers on campaign time some tips it's to the help first inspector the food playoff and general drug expansion the administration Michael first for the league Horowitz thing since to nineteen is do concluded is ninety allowing to reach F. B. out only ethanol I. and agents the notify teams made with had the best a made at facilities mortgage significant record in the lender AFC where fuel errors and student NFC and omissions ethanol loan will get servicer a bye is produced under in the applications new or format utility as to eavesdrop long the provider seven as it seed contains will on play that former the you no two need trump additional seed relief campaign additives the adviser and sixty see what or will Carter they visit chemicals offer page the three in the foreclosures fifth and seed a the broader companies will have be been at audit the fourth can suspended ensure followed seed for a wild for in water the FHA results card games purity suggest mortgages CBS the FBI and proper and NBC errors and those sanitation backed will pick were not up by the extra Fannie limited of their broadcast Mae equipment to or the on cable Russia Freddie and investigation Mac streaming the renewable platforms gas fuels electric it and the association found NFL problems will and have other a says separately in utility already each produced of the providers twenty about telecasts five twenty often facilities surveillance of the games have assistance applications tailored are programs for making a it younger reviewed audience for alcohol cobra that including will air for allows on Nickelodeon hand a lack laid sanitizer off of workers supporting I'm Josh to documentation Rowntree keep even health donating insurance for some factual although there to the is assertions state a large of Nebraska out of Ben pocket Thomas I'm expense Jackie Washington Quinn some states are allowing new enrollments in insurance exchanges to those who have lost their coverage and for those struggling to pay credit cards auto loans and other consumer debt reach out to your lender federal regulators have instructed them to work with borrowers impacted by the virus I'm Jackie Quinn

Josh Nickelodeon NBC FHA Horowitz Jackie Washington Quinn Thomas Nebraska Rowntree NFL MAC Freddie Fannie FBI CBS Carter Michael Russia
FDA changes boost alcohol for sanitizer from ethanol makers

AP News Radio

00:36 sec | 2 years ago

FDA changes boost alcohol for sanitizer from ethanol makers

"With NFL the it's FBI's really April team owners hard first handling voted to find Tuesday upon of its to us surveillance it expand but there potentially are the playoffs bills program due by came there this one under could week team be scrutiny millions in each and conference millions after of for of Americans a gallons total the investigation of fourteen of who hand no longer next sanitizer into have season a ties job as coming between they for continue a online paycheck Russia to plan and for the two the made the thousand twenty Associated by twenty sixteen season ethanol Press to trump is begin compiled producers on campaign time some tips it's to the help first inspector the food playoff and general drug expansion the administration Michael first for the league Horowitz thing since to nineteen is do concluded is ninety allowing to reach F. B. out only ethanol I. and agents the notify teams made with had the best a made at facilities mortgage significant record in the lender AFC where fuel errors and student NFC and omissions ethanol loan will get servicer a bye is produced under in the applications new or format utility as to eavesdrop long the provider seven as it seed contains will on play that former the you no two need trump additional seed relief campaign additives the adviser and sixty see what or will Carter they visit chemicals offer page the three in the foreclosures fifth and seed a the broader companies will have be been at audit the fourth can suspended ensure followed seed for a wild for in water the FHA results card games purity suggest mortgages CBS the FBI and proper and NBC errors and those sanitation backed will pick were not up by the extra Fannie limited of their broadcast Mae equipment to or the on cable Russia Freddie and investigation Mac streaming the renewable platforms gas fuels electric it and the association found NFL problems will and have other a says separately in utility already each produced of the providers twenty about telecasts five twenty often facilities surveillance of the games have assistance applications tailored are programs for making a it younger reviewed audience for alcohol cobra that including will air for allows on Nickelodeon hand a lack laid sanitizer off of workers supporting I'm Josh to documentation Rowntree keep even health donating insurance for some factual although there to the is assertions state a large of Nebraska out of Ben pocket Thomas I'm expense Jackie Washington Quinn some states are allowing new enrollments in insurance exchanges to those who have lost their coverage and for those struggling to pay credit cards auto loans and other consumer debt reach out to your lender federal regulators have instructed them to work with borrowers impacted by the virus I'm Jackie Quinn

Josh Nickelodeon NBC FHA Horowitz Jackie Washington Quinn Thomas Nebraska Rowntree NFL MAC Freddie Fannie FBI CBS Carter Michael Russia
FDA changes boost alcohol for sanitizer from ethanol makers

AP News Radio

00:36 sec | 2 years ago

FDA changes boost alcohol for sanitizer from ethanol makers

"With NFL the it's FBI's really April team owners hard first handling voted to find Tuesday upon of its to us surveillance it expand but there potentially are the playoffs bills program due by came there this one under could week team be scrutiny millions in each and conference millions after of for of Americans a gallons total the investigation of fourteen of who hand no longer next sanitizer into have season a ties job as coming between they for continue a online paycheck Russia to plan and for the two the made the thousand twenty Associated by twenty sixteen season ethanol Press to trump is begin compiled producers on campaign time some tips it's to the help first inspector the food playoff and general drug expansion the administration Michael first for the league Horowitz thing since to nineteen is do concluded is ninety allowing to reach F. B. out only ethanol I. and agents the notify teams made with had the best a made at facilities mortgage significant record in the lender AFC where fuel errors and student NFC and omissions ethanol loan will get servicer a bye is produced under in the applications new or format utility as to eavesdrop long the provider seven as it seed contains will on play that former the you no two need trump additional seed relief campaign additives the adviser and sixty see what or will Carter they visit chemicals offer page the three in the foreclosures fifth and seed a the broader companies will have be been at audit the fourth can suspended ensure followed seed for a wild for in water the FHA results card games purity suggest mortgages CBS the FBI and proper and NBC errors and those sanitation backed will pick were not up by the extra Fannie limited of their broadcast Mae equipment to or the on cable Russia Freddie and investigation Mac streaming the renewable platforms gas fuels electric it and the association found NFL problems will and have other a says separately in utility already each produced of the providers twenty about telecasts five twenty often facilities surveillance of the games have assistance applications tailored are programs for making a it younger reviewed audience for alcohol cobra that including will air for allows on Nickelodeon hand a lack laid sanitizer off of workers supporting I'm Josh to documentation Rowntree keep even health donating insurance for some factual although there to the is assertions state a large of Nebraska out of Ben pocket Thomas I'm expense Jackie Washington Quinn some states are allowing new enrollments in insurance exchanges to those who have lost their coverage and for those struggling to pay credit cards auto loans and other consumer debt reach out to your lender federal regulators have instructed them to work with borrowers impacted by the virus I'm Jackie Quinn

Josh Nickelodeon NBC FHA Horowitz Jackie Washington Quinn Thomas Nebraska Rowntree NFL MAC Freddie Fannie FBI CBS Carter Michael Russia
FDA changes boost alcohol for sanitizer from ethanol makers

AP News Radio

00:36 sec | 2 years ago

FDA changes boost alcohol for sanitizer from ethanol makers

"With NFL the it's FBI's really April team owners hard first handling voted to find Tuesday upon of its to us surveillance it expand but there potentially are the playoffs bills program due by came there this one under could week team be scrutiny millions in each and conference millions after of for of Americans a gallons total the investigation of fourteen of who hand no longer next sanitizer into have season a ties job as coming between they for continue a online paycheck Russia to plan and for the two the made the thousand twenty Associated by twenty sixteen season ethanol Press to trump is begin compiled producers on campaign time some tips it's to the help first inspector the food playoff and general drug expansion the administration Michael first for the league Horowitz thing since to nineteen is do concluded is ninety allowing to reach F. B. out only ethanol I. and agents the notify teams made with had the best a made at facilities mortgage significant record in the lender AFC where fuel errors and student NFC and omissions ethanol loan will get servicer a bye is produced under in the applications new or format utility as to eavesdrop long the provider seven as it seed contains will on play that former the you no two need trump additional seed relief campaign additives the adviser and sixty see what or will Carter they visit chemicals offer page the three in the foreclosures fifth and seed a the broader companies will have be been at audit the fourth can suspended ensure followed seed for a wild for in water the FHA results card games purity suggest mortgages CBS the FBI and proper and NBC errors and those sanitation backed will pick were not up by the extra Fannie limited of their broadcast Mae equipment to or the on cable Russia Freddie and investigation Mac streaming the renewable platforms gas fuels electric it and the association found NFL problems will and have other a says separately in utility already each produced of the providers twenty about telecasts five twenty often facilities surveillance of the games have assistance applications tailored are programs for making a it younger reviewed audience for alcohol cobra that including will air for allows on Nickelodeon hand a lack laid sanitizer off of workers supporting I'm Josh to documentation Rowntree keep even health donating insurance for some factual although there to the is assertions state a large of Nebraska out of Ben pocket Thomas I'm expense Jackie Washington Quinn some states are allowing new enrollments in insurance exchanges to those who have lost their coverage and for those struggling to pay credit cards auto loans and other consumer debt reach out to your lender federal regulators have instructed them to work with borrowers impacted by the virus I'm Jackie Quinn

Josh Nickelodeon NBC FHA Horowitz Jackie Washington Quinn Thomas Nebraska Rowntree NFL MAC Freddie Fannie FBI CBS Carter Michael Russia
FDA changes boost alcohol for sanitizer from ethanol makers

AP News Radio

00:36 sec | 2 years ago

FDA changes boost alcohol for sanitizer from ethanol makers

"With NFL the it's FBI's really April team owners hard first handling voted to find Tuesday upon of its to us surveillance it expand but there potentially are the playoffs bills program due by came there this one under could week team be scrutiny millions in each and conference millions after of for of Americans a gallons total the investigation of fourteen of who hand no longer next sanitizer into have season a ties job as coming between they for continue a online paycheck Russia to plan and for the two the made the thousand twenty Associated by twenty sixteen season ethanol Press to trump is begin compiled producers on campaign time some tips it's to the help first inspector the food playoff and general drug expansion the administration Michael first for the league Horowitz thing since to nineteen is do concluded is ninety allowing to reach F. B. out only ethanol I. and agents the notify teams made with had the best a made at facilities mortgage significant record in the lender AFC where fuel errors and student NFC and omissions ethanol loan will get servicer a bye is produced under in the applications new or format utility as to eavesdrop long the provider seven as it seed contains will on play that former the you no two need trump additional seed relief campaign additives the adviser and sixty see what or will Carter they visit chemicals offer page the three in the foreclosures fifth and seed a the broader companies will have be been at audit the fourth can suspended ensure followed seed for a wild for in water the FHA results card games purity suggest mortgages CBS the FBI and proper and NBC errors and those sanitation backed will pick were not up by the extra Fannie limited of their broadcast Mae equipment to or the on cable Russia Freddie and investigation Mac streaming the renewable platforms gas fuels electric it and the association found NFL problems will and have other a says separately in utility already each produced of the providers twenty about telecasts five twenty often facilities surveillance of the games have assistance applications tailored are programs for making a it younger reviewed audience for alcohol cobra that including will air for allows on Nickelodeon hand a lack laid sanitizer off of workers supporting I'm Josh to documentation Rowntree keep even health donating insurance for some factual although there to the is assertions state a large of Nebraska out of Ben pocket Thomas I'm expense Jackie Washington Quinn some states are allowing new enrollments in insurance exchanges to those who have lost their coverage and for those struggling to pay credit cards auto loans and other consumer debt reach out to your lender federal regulators have instructed them to work with borrowers impacted by the virus I'm Jackie Quinn

Josh Nickelodeon NBC FHA Horowitz Jackie Washington Quinn Thomas Nebraska Rowntree NFL MAC Freddie Fannie FBI CBS Carter Michael Russia
FDA changes boost alcohol for sanitizer from ethanol makers

AP News Radio

00:36 sec | 2 years ago

FDA changes boost alcohol for sanitizer from ethanol makers

"With NFL the it's FBI's really April team owners hard first handling voted to find Tuesday upon of its to us surveillance it expand but there potentially are the playoffs bills program due by came there this one under could week team be scrutiny millions in each and conference millions after of for of Americans a gallons total the investigation of fourteen of who hand no longer next sanitizer into have season a ties job as coming between they for continue a online paycheck Russia to plan and for the two the made the thousand twenty Associated by twenty sixteen season ethanol Press to trump is begin compiled producers on campaign time some tips it's to the help first inspector the food playoff and general drug expansion the administration Michael first for the league Horowitz thing since to nineteen is do concluded is ninety allowing to reach F. B. out only ethanol I. and agents the notify teams made with had the best a made at facilities mortgage significant record in the lender AFC where fuel errors and student NFC and omissions ethanol loan will get servicer a bye is produced under in the applications new or format utility as to eavesdrop long the provider seven as it seed contains will on play that former the you no two need trump additional seed relief campaign additives the adviser and sixty see what or will Carter they visit chemicals offer page the three in the foreclosures fifth and seed a the broader companies will have be been at audit the fourth can suspended ensure followed seed for a wild for in water the FHA results card games purity suggest mortgages CBS the FBI and proper and NBC errors and those sanitation backed will pick were not up by the extra Fannie limited of their broadcast Mae equipment to or the on cable Russia Freddie and investigation Mac streaming the renewable platforms gas fuels electric it and the association found NFL problems will and have other a says separately in utility already each produced of the providers twenty about telecasts five twenty often facilities surveillance of the games have assistance applications tailored are programs for making a it younger reviewed audience for alcohol cobra that including will air for allows on Nickelodeon hand a lack laid sanitizer off of workers supporting I'm Josh to documentation Rowntree keep even health donating insurance for some factual although there to the is assertions state a large of Nebraska out of Ben pocket Thomas I'm expense Jackie Washington Quinn some states are allowing new enrollments in insurance exchanges to those who have lost their coverage and for those struggling to pay credit cards auto loans and other consumer debt reach out to your lender federal regulators have instructed them to work with borrowers impacted by the virus I'm Jackie Quinn

Josh Nickelodeon NBC FHA Horowitz Jackie Washington Quinn Thomas Nebraska Rowntree NFL MAC Freddie Fannie FBI CBS Carter Michael Russia
FDA changes boost alcohol for sanitizer from ethanol makers

AP News Radio

00:36 sec | 2 years ago

FDA changes boost alcohol for sanitizer from ethanol makers

"With NFL the it's FBI's really April team owners hard first handling voted to find Tuesday upon of its to us surveillance it expand but there potentially are the playoffs bills program due by came there this one under could week team be scrutiny millions in each and conference millions after of for of Americans a gallons total the investigation of fourteen of who hand no longer next sanitizer into have season a ties job as coming between they for continue a online paycheck Russia to plan and for the two the made the thousand twenty Associated by twenty sixteen season ethanol Press to trump is begin compiled producers on campaign time some tips it's to the help first inspector the food playoff and general drug expansion the administration Michael first for the league Horowitz thing since to nineteen is do concluded is ninety allowing to reach F. B. out only ethanol I. and agents the notify teams made with had the best a made at facilities mortgage significant record in the lender AFC where fuel errors and student NFC and omissions ethanol loan will get servicer a bye is produced under in the applications new or format utility as to eavesdrop long the provider seven as it seed contains will on play that former the you no two need trump additional seed relief campaign additives the adviser and sixty see what or will Carter they visit chemicals offer page the three in the foreclosures fifth and seed a the broader companies will have be been at audit the fourth can suspended ensure followed seed for a wild for in water the FHA results card games purity suggest mortgages CBS the FBI and proper and NBC errors and those sanitation backed will pick were not up by the extra Fannie limited of their broadcast Mae equipment to or the on cable Russia Freddie and investigation Mac streaming the renewable platforms gas fuels electric it and the association found NFL problems will and have other a says separately in utility already each produced of the providers twenty about telecasts five twenty often facilities surveillance of the games have assistance applications tailored are programs for making a it younger reviewed audience for alcohol cobra that including will air for allows on Nickelodeon hand a lack laid sanitizer off of workers supporting I'm Josh to documentation Rowntree keep even health donating insurance for some factual although there to the is assertions state a large of Nebraska out of Ben pocket Thomas I'm expense Jackie Washington Quinn some states are allowing new enrollments in insurance exchanges to those who have lost their coverage and for those struggling to pay credit cards auto loans and other consumer debt reach out to your lender federal regulators have instructed them to work with borrowers impacted by the virus I'm Jackie Quinn

Josh Nickelodeon NBC FHA Horowitz Jackie Washington Quinn Thomas Nebraska Rowntree NFL MAC Freddie Fannie FBI CBS Carter Michael Russia
FDA changes boost alcohol for sanitizer from ethanol makers

AP News Radio

00:36 sec | 2 years ago

FDA changes boost alcohol for sanitizer from ethanol makers

"With NFL the it's FBI's really April team owners hard first handling voted to find Tuesday upon of its to us surveillance it expand but there potentially are the playoffs bills program due by came there this one under could week team be scrutiny millions in each and conference millions after of for of Americans a gallons total the investigation of fourteen of who hand no longer next sanitizer into have season a ties job as coming between they for continue a online paycheck Russia to plan and for the two the made the thousand twenty Associated by twenty sixteen season ethanol Press to trump is begin compiled producers on campaign time some tips it's to the help first inspector the food playoff and general drug expansion the administration Michael first for the league Horowitz thing since to nineteen is do concluded is ninety allowing to reach F. B. out only ethanol I. and agents the notify teams made with had the best a made at facilities mortgage significant record in the lender AFC where fuel errors and student NFC and omissions ethanol loan will get servicer a bye is produced under in the applications new or format utility as to eavesdrop long the provider seven as it seed contains will on play that former the you no two need trump additional seed relief campaign additives the adviser and sixty see what or will Carter they visit chemicals offer page the three in the foreclosures fifth and seed a the broader companies will have be been at audit the fourth can suspended ensure followed seed for a wild for in water the FHA results card games purity suggest mortgages CBS the FBI and proper and NBC errors and those sanitation backed will pick were not up by the extra Fannie limited of their broadcast Mae equipment to or the on cable Russia Freddie and investigation Mac streaming the renewable platforms gas fuels electric it and the association found NFL problems will and have other a says separately in utility already each produced of the providers twenty about telecasts five twenty often facilities surveillance of the games have assistance applications tailored are programs for making a it younger reviewed audience for alcohol cobra that including will air for allows on Nickelodeon hand a lack laid sanitizer off of workers supporting I'm Josh to documentation Rowntree keep even health donating insurance for some factual although there to the is assertions state a large of Nebraska out of Ben pocket Thomas I'm expense Jackie Washington Quinn some states are allowing new enrollments in insurance exchanges to those who have lost their coverage and for those struggling to pay credit cards auto loans and other consumer debt reach out to your lender federal regulators have instructed them to work with borrowers impacted by the virus I'm Jackie Quinn

Josh Nickelodeon NBC FHA Horowitz Jackie Washington Quinn Thomas Nebraska Rowntree NFL MAC Freddie Fannie FBI CBS Carter Michael Russia
FDA changes boost alcohol for sanitizer from ethanol makers

AP News Radio

00:36 sec | 2 years ago

FDA changes boost alcohol for sanitizer from ethanol makers

"With NFL the it's FBI's really April team owners hard first handling voted to find Tuesday upon of its to us surveillance it expand but there potentially are the playoffs bills program due by came there this one under could week team be scrutiny millions in each and conference millions after of for of Americans a gallons total the investigation of fourteen of who hand no longer next sanitizer into have season a ties job as coming between they for continue a online paycheck Russia to plan and for the two the made the thousand twenty Associated by twenty sixteen season ethanol Press to trump is begin compiled producers on campaign time some tips it's to the help first inspector the food playoff and general drug expansion the administration Michael first for the league Horowitz thing since to nineteen is do concluded is ninety allowing to reach F. B. out only ethanol I. and agents the notify teams made with had the best a made at facilities mortgage significant record in the lender AFC where fuel errors and student NFC and omissions ethanol loan will get servicer a bye is produced under in the applications new or format utility as to eavesdrop long the provider seven as it seed contains will on play that former the you no two need trump additional seed relief campaign additives the adviser and sixty see what or will Carter they visit chemicals offer page the three in the foreclosures fifth and seed a the broader companies will have be been at audit the fourth can suspended ensure followed seed for a wild for in water the FHA results card games purity suggest mortgages CBS the FBI and proper and NBC errors and those sanitation backed will pick were not up by the extra Fannie limited of their broadcast Mae equipment to or the on cable Russia Freddie and investigation Mac streaming the renewable platforms gas fuels electric it and the association found NFL problems will and have other a says separately in utility already each produced of the providers twenty about telecasts five twenty often facilities surveillance of the games have assistance applications tailored are programs for making a it younger reviewed audience for alcohol cobra that including will air for allows on Nickelodeon hand a lack laid sanitizer off of workers supporting I'm Josh to documentation Rowntree keep even health donating insurance for some factual although there to the is assertions state a large of Nebraska out of Ben pocket Thomas I'm expense Jackie Washington Quinn some states are allowing new enrollments in insurance exchanges to those who have lost their coverage and for those struggling to pay credit cards auto loans and other consumer debt reach out to your lender federal regulators have instructed them to work with borrowers impacted by the virus I'm Jackie Quinn

Josh Nickelodeon NBC FHA Horowitz Jackie Washington Quinn Thomas Nebraska Rowntree NFL MAC Freddie Fannie FBI CBS Carter Michael Russia
FDA changes boost alcohol for sanitizer from ethanol makers

AP News Radio

00:36 sec | 2 years ago

FDA changes boost alcohol for sanitizer from ethanol makers

"With NFL the it's FBI's really April team owners hard first handling voted to find Tuesday upon of its to us surveillance it expand but there potentially are the playoffs bills program due by came there this one under could week team be scrutiny millions in each and conference millions after of for of Americans a gallons total the investigation of fourteen of who hand no longer next sanitizer into have season a ties job as coming between they for continue a online paycheck Russia to plan and for the two the made the thousand twenty Associated by twenty sixteen season ethanol Press to trump is begin compiled producers on campaign time some tips it's to the help first inspector the food playoff and general drug expansion the administration Michael first for the league Horowitz thing since to nineteen is do concluded is ninety allowing to reach F. B. out only ethanol I. and agents the notify teams made with had the best a made at facilities mortgage significant record in the lender AFC where fuel errors and student NFC and omissions ethanol loan will get servicer a bye is produced under in the applications new or format utility as to eavesdrop long the provider seven as it seed contains will on play that former the you no two need trump additional seed relief campaign additives the adviser and sixty see what or will Carter they visit chemicals offer page the three in the foreclosures fifth and seed a the broader companies will have be been at audit the fourth can suspended ensure followed seed for a wild for in water the FHA results card games purity suggest mortgages CBS the FBI and proper and NBC errors and those sanitation backed will pick were not up by the extra Fannie limited of their broadcast Mae equipment to or the on cable Russia Freddie and investigation Mac streaming the renewable platforms gas fuels electric it and the association found NFL problems will and have other a says separately in utility already each produced of the providers twenty about telecasts five twenty often facilities surveillance of the games have assistance applications tailored are programs for making a it younger reviewed audience for alcohol cobra that including will air for allows on Nickelodeon hand a lack laid sanitizer off of workers supporting I'm Josh to documentation Rowntree keep even health donating insurance for some factual although there to the is assertions state a large of Nebraska out of Ben pocket Thomas I'm expense Jackie Washington Quinn some states are allowing new enrollments in insurance exchanges to those who have lost their coverage and for those struggling to pay credit cards auto loans and other consumer debt reach out to your lender federal regulators have instructed them to work with borrowers impacted by the virus I'm Jackie Quinn

Josh Nickelodeon NBC FHA Horowitz Jackie Washington Quinn Thomas Nebraska Rowntree NFL MAC Freddie Fannie FBI CBS Carter Michael Russia
FDA changes boost alcohol for sanitizer from ethanol makers

AP News Radio

00:36 sec | 2 years ago

FDA changes boost alcohol for sanitizer from ethanol makers

"With NFL the it's FBI's really April team owners hard first handling voted to find Tuesday upon of its to us surveillance it expand but there potentially are the playoffs bills program due by came there this one under could week team be scrutiny millions in each and conference millions after of for of Americans a gallons total the investigation of fourteen of who hand no longer next sanitizer into have season a ties job as coming between they for continue a online paycheck Russia to plan and for the two the made the thousand twenty Associated by twenty sixteen season ethanol Press to trump is begin compiled producers on campaign time some tips it's to the help first inspector the food playoff and general drug expansion the administration Michael first for the league Horowitz thing since to nineteen is do concluded is ninety allowing to reach F. B. out only ethanol I. and agents the notify teams made with had the best a made at facilities mortgage significant record in the lender AFC where fuel errors and student NFC and omissions ethanol loan will get servicer a bye is produced under in the applications new or format utility as to eavesdrop long the provider seven as it seed contains will on play that former the you no two need trump additional seed relief campaign additives the adviser and sixty see what or will Carter they visit chemicals offer page the three in the foreclosures fifth and seed a the broader companies will have be been at audit the fourth can suspended ensure followed seed for a wild for in water the FHA results card games purity suggest mortgages CBS the FBI and proper and NBC errors and those sanitation backed will pick were not up by the extra Fannie limited of their broadcast Mae equipment to or the on cable Russia Freddie and investigation Mac streaming the renewable platforms gas fuels electric it and the association found NFL problems will and have other a says separately in utility already each produced of the providers twenty about telecasts five twenty often facilities surveillance of the games have assistance applications tailored are programs for making a it younger reviewed audience for alcohol cobra that including will air for allows on Nickelodeon hand a lack laid sanitizer off of workers supporting I'm Josh to documentation Rowntree keep even health donating insurance for some factual although there to the is assertions state a large of Nebraska out of Ben pocket Thomas I'm expense Jackie Washington Quinn some states are allowing new enrollments in insurance exchanges to those who have lost their coverage and for those struggling to pay credit cards auto loans and other consumer debt reach out to your lender federal regulators have instructed them to work with borrowers impacted by the virus I'm Jackie Quinn

Josh Nickelodeon NBC FHA Horowitz Jackie Washington Quinn Thomas Nebraska Rowntree NFL MAC Freddie Fannie FBI CBS Carter Michael Russia