Tag archives for Mortgage Insurance Policy

New Premium Structure for FHA-Insured Loans Announced

In the future, even with excellent credit it’s going to cost you more to get a mortgage – at least if you are looking for the prime terms provided by many FHA loans. Yesterday the FHA announced that it will increase annual mortgage insurance premiums by 0.25 percentage points on 30- and 15-year loans. Upfront premiums will hold steady at Read full article »

Going Over Your Lender’s Head

I've heard an increasing number of reports about lenders who positively refuse to speak with their borrowers about loan modifications and/or impending foreclosures. I suspect a primary reason for this is that many lenders are waiting to see how the Bailout Bill will play out, and whether they'll be able to sell their toxic assets to the government without adjusting the Read full article »

The Politics of Real Estate

Few industries are as profoundly impacted by the political machinations in Washington as the real estate industry. Whether it's old legislation like Jimmy Carter's Community Reinvestment Act or Barack Obama's massive mortgage bailouts, the U.S. political machine has a huge impact (usually bad) on the business of real estate.

Ideally, we could ignore politics. But here at the Bryan Ellis Real Estate Letter, we insist on seeing the world with clarity - including the reality of Washington's aggressive involvement in every facet of our business, from mortgage lending to real estate sales license; from loan modification regulations to appraisal requirements... every piece of our business is profoundly impacted by politics. So rather than stick our heads in the sand and ignore reality, readers of the Bryan Ellis Real Estate Letter choose to be informed and prepared.

About Bryan Ellis

Bryan Ellis is an Atlanta-based real estate analyst and publisher of the widely read newsletter "The Bryan Ellis Real Estate Letter". With over 200,000 subscribers - including real estate investors, agents, brokers, appraisers and other real estate professionals - the Bryan Ellis Real Estate Letter is among America's largest sources of unbiased coverage of politics and public policy for the real estate industry.

Bryan Ellis serves as editor in chief for the Bryan Ellis Real Estate Letter and is assisted by an extraordinary staff of writers, researchers and editors who are each real estate experts in their own right and who assure that the news we report is well researched, factual, and highly relevant to today's real estate industry.

Bryan is very happily married and has two wonderful daughters. He makes his home in the suburbs of Atlanta, Georgia. You can contact the team at the Bryan Ellis Real Estate Letter here.