Ilyce Glink's BlogWelcome to Ilyce Glink's blog! Here you'll find Ilyce's latest insights on personal finance advice, real estate advice and consumer issues. Come back often for timely and interesting posts on a wide variety of topics. Thursday, October 02, 2008 Renters Renting in a Foreclosed Home
Labels: Foreclosure, Renters
posted by Ilyce Glink at 2:34 PM
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Wednesday, October 01, 2008 New Videos on Shorts Sales and Foreclosures PublishedWe've begun to upload the first of 27 videos about buying and selling homes in a tough market. We've published two videos on short sales. Take a look: Labels: Foreclosure, short sale, videos
posted by Ilyce Glink at 1:41 PM
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Monday, September 08, 2008 Buying a Foreclosure? Check out Ralph Roberts BookI've had Ralph Roberts, a noted Realtor in Michigan who has purchased more than 2,000 foreclosed properties in his career, as a guest on my show several times. I think he's smart, and his book is a good place to start for anyone interested in buying foreclosures. Labels: Foreclosure, Ralph Roberts
posted by Ilyce Glink at 2:47 PM
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Friday, September 05, 2008 Today on the Clark Howard Show, September 5, 2008Today on the Clark Howard Show we discussed the following: Labels: Clark Howard, Economy, Foreclosure, unemployment, WSB
posted by Ilyce Glink at 2:01 PM
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Tuesday, August 19, 2008 How Can You Protect Yourself from Mortgage Fraud?
Labels: FBI, Foreclosure, Mortgage, mortgage fraud
posted by Melanie G. Rogers at 9:05 AM
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Thursday, August 14, 2008 Foreclosures Increase By 55 Percent In A Year
Labels: banks, Foreclosure, Mortgage, RealtyTrac
posted by Melanie G. Rogers at 10:39 AM
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Wednesday, July 30, 2008 Buy a Foreclosure and ProfitThe foreclosure numbers look awful. As many as 1 in 22 families in Nevada received some sort of foreclosure notice in June 08. The states that are in the worst shape, foreclosure-wise, including Nevada, California, Arizona, Ohio, Michigan, Texas, Georgia, Illinois and New York. Labels: Clark Howard, Foreclosure, WSB
posted by Ilyce Glink at 1:20 PM
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1 Comments:Here in Northern Virginia we have foreclosures that are listed in the upper $200s to mid $300k range, that were sold for mid $50s in 2006. Most of them need a little TLC, but they already have built in equity. With a little sweat equity, people could be profiting very well from these properties.
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Friday, July 25, 2008 'Extreme Makeover' Home ForeclosureHomeowners in Atlanta's Lake City area may soon lose their home to foreclosure. Labels: Celebrity Foreclosure, Extreme Makeover, Foreclosure, home owners
posted by Melanie G. Rogers at 11:07 AM
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Thursday, July 10, 2008 Celebrity Foreclosure: Former Cincinnati Bengal Chris Henry
Chris Henry, a former Cincinnati Bengal football player, lost his Florence, Ohio, house to foreclosure in May after not paying the mortgage. He bought the home as a rookie in 2005. The home was worth $360,000. The football team released him after he was arrested several times. His lawyer recently said Henry is completely broke, according to the Cincinnati Enquirer. The paper reports that he earned $2.5 million from the Bengals. Labels: Celebrity Foreclosure, Chris Henry, Foreclosure
posted by Melanie G. Rogers at 4:11 PM
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Friday, July 04, 2008 Looking for a Foreclosure?
There's a new website that provides access to complete street addresses of more than 1.2 million foreclosure properties in the U.S. It's ForeclosurePoint.com. The free membership service also provides default filing dates, estimated property values, estimated opening bids for properties at auction, satellite images and other property details. If you're looking for a foreclosure, you'll want all the information you can get. Don't forget to check for liens and you may want to hire an attorney to help make sure you're not surprised by anything after you close. Labels: Foreclosure
posted by Ilyce Glink at 1:57 PM
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Thursday, June 26, 2008 Jazz Singer Anderson Faces Foreclosure
Ernestine Anderson, a renowned jazz singer, is apparently behind in payments on her Seattle home, reports the Associated Press. She has missed more than $30,000 in payments. Anderson owes $450,000 on the home, which used to belong to her parents. The home is located in a ZIP code where more than 200 homes face foreclosure, the AP reports. The home is supposed to be auctioned off on July 11. Anderson, 79, used to sing with Quincy Jones and Ray Charles. She released more than 30 albums and received four Grammy nominations. Labels: Celebrity Foreclosure, Ernestine Anderson, Foreclosure
posted by Melanie G. Rogers at 11:36 AM
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How Many Foreclosures?
"The damage has been as bad as anyone imagined so far," writes Demos senior fellow James Lardner. "Foreclosures, after roughly doubling in the past year, are running at a rate of close to 25,000 a week. That's an alarming figure in itself, and it points toward the loss of more than 2 million homes in 2008 and 2009 - a number very close to estimates made by consumer groups (and widely dismissed by lenders) in early 2007." -- From a new Demos report, "Beyond the Mortgage Meltdown: Addressing the Current Crisis, Avoiding a Future Catastrophe," announced June 25, 2008 at a National Press Club event in Washington, DC. Labels: Foreclosure
posted by Ilyce Glink at 7:15 AM
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Monday, June 23, 2008 Pacman Jones Loses Home to Foreclosure
Former Tennessee Titan football player Pacman Jones, who recently said he wants to be called Adam, will lose his Nashville area home on June 27, when it's put up for sale by his lender. The home will be sold in a foreclosure sale at the courthouse. Jones failed to meet the terms and conditions of his mortgage with U.S. Bank, reported the Associated Press. Jones bought the home for $1.5 million in July 2006. Labels: Celebrity Foreclosure, Foreclosure, Pacman Jones
posted by Melanie G. Rogers at 9:17 AM
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Friday, June 13, 2008 Beware of Those Who Promise to Save Your Home from ForeclosureThe Department of Justice today announced that eight people were indicted for $35 million of mortgage fraud in Maryland. Labels: Foreclosure, home owners, Mortgage, mortgage fraud
posted by Melanie G. Rogers at 3:47 PM
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Tuesday, June 10, 2008 Listen to Ilyce on Dave Baker's Radio ShowIlyce made a guest appearance on Dave Baker's radio show this past Saturday. We've posted the audio here: http://www.thinkglink.com/radio.asp Labels: Dave Baker, Foreclosure, Home Selling, Ilyce Glink
posted by Melanie G. Rogers at 2:02 PM
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Friday, June 06, 2008 Sprewell Loses House, Yacht
In mid-May former National Basketball Association star Latrell Sprewell lost his Milwaukee home to foreclosure, reported the Milwaukee Journal-Sentinel. Sprewell owed more than $320,000 on the home valued at almost $670,000. He bought it for $405,000 in 1994. The foreclosure went through after Sprewell failed to appear in court. In January the U.S. Marshals Service auctioned off Sprewell's $1.5 million 70-foot yacht after he failed to make several $10,322 monthly payments, reported the paper. In addition last September the state of Wisconsin filed suit against Sprewell for more than $70,000 in back taxes, reported the paper. Labels: Celebrity Foreclosure, Foreclosure, Latrell Sprewell, NBA
posted by Melanie G. Rogers at 10:03 AM
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Michael Jackson Almost Lost NeverlandApparently Michael Jackson just missed losing his Neverland Ranch to foreclosure. E! News reported in mid-May that real estate investment firm Colony Capital bought the mortgage in an effort to save the Santa Barbara, Calif., property. Labels: Celebrity Foreclosure, Foreclosure, Michael Jackson, Neverland
posted by Melanie G. Rogers at 9:54 AM
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Jose Canseco Loses His Home to Foreclosure Too
When I was growing up in the late '80s Jose Canseco was revered for being one of the Oakland A's powerful baseball sluggers along with Mark McGwire and Walt Weiss. These days he's more famous for selling out. He's been on VH1's The Surreal Life and published a book about steroid use in baseball. Despite seeming to be willing to do anything for a buck, he's still had money problems. In early May, he lost his 7,300-square-foot Encino, Calif., home to foreclosure. He attributed some of his financial woes to several divorces that cost him $7 million to $8 million a piece. At the time of the foreclosure he owed the bank more than $2.5 million on the home. A Reuters story quoted him as saying: "I do have a judgment on my home and it to me is very strange because it didn't make financial sense for me to keep paying a mortgage on a home that was basically owned by someone else," he said. Isn't that true of all mortgages? You have to wonder if the steroids didn't somehow have a lasting effect on him... Labels: Celebrity Foreclosure, divorce, Foreclosure, Jose Canseco
posted by Melanie G. Rogers at 9:27 AM
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Thursday, June 05, 2008 Numbers of Foreclosures and Delinquent Loans Increase
Home owners missed payments on almost 6.5 percent of home loans on one to four unit residential properties during the first quarter of 2008. Almost 2.5 percent of all home loans were in foreclosure during the same quarter, according to the Mortgage Bankers Association. Both delinquencies and foreclosures increased from fourth quarter 2007, albeit slightly. "Delinquency rates normally peak at the end of the year and drop to their lowest point for the year at the end of the first quarter," the MBA explained. These numbers buck that trend but not by much. Both the delinquency rate and the foreclosure rate are the highest they've been since 1979. Subprime loans represent the majority of these delinquent and foreclosed loans. And the states with the most troubles are CA, FL, AZ and NV. The four of them combined represent:
Labels: delinquent loans, Foreclosure, MBA, Mortgage
posted by Melanie G. Rogers at 10:37 AM
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Evander Holyfield's Foreclosed Home Set To Be Auctioned Off
Former heavyweight boxing champion Evander Holyfield has something in common with some less affluent homeowners: his home is in foreclosure. His $10-million estate in Fayette County, Georgia, is set to be auctioned off July 1, reports the Atlanta Journal Constitution. Sounds like Holyfield has larger financial problems - he owes the mother of one of his nine children $6,000 in back child support. Labels: Celebrity Foreclosure, Evander Holyfield, Foreclosure
posted by Melanie G. Rogers at 9:55 AM
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Tuesday, May 27, 2008 Foreclosures in Military Towns Rise Four Times National Average
Foreclosures in military towns are up nearly four times the national average according to data compiled by Realty Trac, reports Bloomberg News. The same subprime mortgages that seemed so appealing to the civilian population drew military families too. Foreclosure filings in 10 towns and cities within 10 miles of military facilities, including Norfolk, Va., jumped by an average 217 percent from January to April compared to a year earlier, reported Bloomberg. Here's a list of the 10 communities and the increase in foreclosures: Columbia, S.C.: 492 percent Woodbridge, Va.: 414 percent Triangle, Va.: 363 percent Oceanside, Calif.: 182 percent Norfolk, Va.: 155 percent Havelock, N.C.: 133 percent Carlsbad, Calif.: 131 percent Barstow, Calif.: 120 percent Columbus, Ga.: 102 percent Twentynine Palms, Calif.: 73 percent Labels: Foreclosure, military, Mortgage, Subprime
posted by Melanie G. Rogers at 12:57 PM
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Monday, May 19, 2008 Watch Out for These Foreclosure Scams
Losing a home to foreclosure can be devastating and it can be hard to keep a cool head. If you don't, you'll be more vulnerable to scam artists. Some current foreclosure scams include: -a lease back or promise that you can repurchase your home in the future, if you sell it to the scam artist now - refinance fraud where the homeowner believes he is refinancing but he's actually signing the property over to a con artist - filing bankruptcy multiple times to get a temporary stay to delay foreclosure; these ultimately result in the homeowner having damaged credit and still losing his home These scams were announced last week by the Office of the Comptroller of the Currency. If someone approaches you be wary. He or she may have simply found your name or property on a list of foreclosed properties issued by your lender. When seeking help, you should initiate contact. Ask for references, check credentials and with the Better Business Bureau. If you feel you're going to have trouble making mortgage payments contact your lender, who will likely prefer working out a plan with you rather than foreclosing. If you feel you may have been the victim of a predatory lender, contact an attorney. For more foreclosure advice, search for foreclosure on ThinkGlink.com. We have articles describing your choices depending on where in the foreclosure process you are. Labels: Foreclosure, OCC, refinance, Scams
posted by Melanie G. Rogers at 12:09 PM
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Wednesday, May 07, 2008 How Do You Feel About Buying A Foreclosure?
Who's your average foreclosure buyer? A single man under age 35, if you put together a composite of characteristics revealed by a recent survey. Trulia.com, a residential real estate search engine, commissioned Harris Interactive to poll people about how they feel about foreclosures. More than 2,000 people answered survey questions. The poll found that 60 percent of single or never married adults would consider buying a foreclosure, whereas only 50 percent of married and 50 percent of divorced/separated/widowed adults would buy one. More men (57 percent) would buy a foreclosure than women (51 percent). Nearly 70 percent of adults ages 18-34 would buy a foreclosed property compared with 32 percent of adults older than 55. Having children makes people more likely to buy a foreclosure (66 percent versus 50 percent of childless households). Interestingly enough, while young people 18-34 are open to buying a foreclosure, nearly 75 percent of them feel there are negative aspects to buying a foreclosed home. Only 66 percent of people older than 35 feel that way. And 20 percent of those surveyed feel that having a personal connection with someone who lost their home to foreclosure is a negative aspect. There's still some stigma attached to losing your home to foreclosure. But is there a stigma to buying a foreclosed home? I don't think so. You're just taking advantage of a good financial deal. Labels: Foreclosure, generations, Home Buyers
posted by Melanie G. Rogers at 12:53 PM
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Tuesday, April 15, 2008 Foreclosures Increase Almost 60 Percent in a Year
RealtyTrac, the leading online marketplace for foreclosed properties, announced this morning that the number of foreclosures nationwide in March 2008 rose 57 percent since March 2007. The numbers jumped 5 percent from February to March this year. The top 10 states for foreclosures were Nevada, California, Florida, Arizona, Colorado, Georgia, Ohio, Michigan, Massachusetts and Maryland. The situation sounds grim in Nevada, where one in every 139 households received a foreclosure notice last month. That's 3.9 times the national average and the highest state foreclosure rate for a record 15th consecutive month. "On a year-over-year basis, default notices were up nearly 57 percent and bank repossessions were up nearly 129 percent, but auction notices were up only 32 percent, indicating that more defaulting homeowners are simply walking away and deeding their properties back to the foreclosing lender," said James J. Saccacio, chief executive officer of RealtyTrac. "This deed-in-lieu-of-foreclosure process allows the lender to take possession of a property without putting it up for public foreclosure auction." If you want to learn more about foreclosures and deed-in-lieu of foreclosure, search for these terms at ThinkGlink.com. Melanie G. Rogers ThinkGlink.com Labels: Foreclosure, Home, House
posted by Ilyce Glink at 9:07 AM
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Friday, April 11, 2008 More Than 1.2 Million Homeowners Keep Homes
Yesterday the HOPE NOW alliance released data on how many homeowners they've helped since July 2007. More than 1.2 million homeowners have kept their homes so far. Since the start of this year, more than 309,000 loan workouts have been processed. In some cases, a workout means to change the terms of the loan to enable a borrower to keep his or her home. Other times it means setting up a repayment plan. Nearly half of all 2008 loan modifications have been for subprime loan workouts, the alliance announced. If you're having trouble making your mortgage payments you can still call HOPE NOW. Here's some info provided by them: HOPE NOW urges homeowners facing challenges with the mortgage payments to call their servicer or the Homeowner's HOPE Hotline, 1-888-995-HOPE, immediately to explore what options are available. The 1-888-995-HOPE Hotline is provided by the Homeownership Preservation Foundation. HOPE NOW efforts and the 1-888-995-HOPE Hotline are free to the borrower. Borrowers should be wary of sources that offer help but require a fee, as there should never be a cost associated with putting the borrower in touch with HUD-approved counselors or their servicers. Melanie Labels: Foreclosure, home owners, HOPE NOW, Mortgage
posted by Ilyce Glink at 8:57 AM
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Wednesday, April 02, 2008 Would you buy a foreclosed house if you could get a $15,000 tax credit?
U.S. Senate lawmakers announced yesterday that they're working on a bill to help homeowners facing foreclosure. Among the proposed measures - a $15,000 tax credit for people who buy foreclosed or newly built vacant homes. If you look at this from a capitalist perspective this is a great idea - it will likely push people who were waffling on whether to buy a home or investment property to do it. Of course a tax credit will not be enough to get people to buy homes in blighted neighborhoods. But it's a start. A $15,000 tax credit beats other tax credits like those available for educational expenses or for buying a hybrid car. But I still wonder if it's really the government's job to get involved. Was a lack of government regulation responsible for unqualified home buyers buying homes? It was the mortgage companies not doing due diligence. Is it the government's job to jump start the housing market? Or is it merely delaying a further slowdown? At some point won't the government run out of bandages? Melanie G. Rogers ThinkGlink.com Labels: Congress, Foreclosure, Home Buyers, Tax
posted by Ilyce Glink at 7:22 PM
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Friday, March 07, 2008 Foreclosure Numbers Reach Highest LevelHere's some sobering news: the rate of foreclosure starts and the percent of loans in foreclosure are at the highest levels ever, according to the Mortgage Bankers Association. The total delinquency rate, which measures how many people are behind in loan payments, is at its highest point in the MBA survey since 1985. Labels: credit score, Foreclosure, loans, Mortgage
posted by Ilyce Glink at 11:30 AM
1 comments
1 Comments:It looks like this mortgage crisis is going to get much worse before it turns around. The credit card defaults are increasing as well...American consumers are truly stretched to the limit.
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Monday, March 03, 2008 The Latest on Housing in the U.S.
"Let me be clear: I oppose any bailout," said U.S. Treasury Secretary Henry Paulson this morning before the National Association of Business Economists. Did I read that correctly? It sounds like Paulson may be OK with the market solving this problem. It makes those of us who believe Larry Kudlow's creed - I believe that free market capitalism is the best path to prosperity - pretty happy. Still, even if Secretary Paulson feels this way, it doesn't mean Congress won't try to fix things. A few points to note: 93 percent of homeowners pay their mortgages on time every month and only 2 percent of homeowners are facing foreclosure, per Secretary Paulson this morning. So while this is a crisis, we can take some solace in knowing that most households remain stable. Secretary Paulson spoke of two other conclusions - 1) that solving the mortgage crisis is the joint responsibility of industry, government and homeowners. And 2) talk of homeowners facing foreclosure is often combined with discussions of homeowners who are upside down in their mortgages. That is, their mortgages are higher than their home values. He said while this is a dilemma, it does not mean that those homeowners will necessarily lose their homes. He's right - home values will continue to change and at some point should turn around positively again. If people can continue making their mortgage payments on their current loans they should be OK. To see the full text of Secretary Paulson's speech, visit the U.S. Department of the Treasury's Web site: http://www.treas.gov/press/releases/hp856.htm Melanie G. Rogers ThinkGlink.com Labels: Foreclosure, government, Hank Paulson, Kudlow, Mortgage
posted by Ilyce Glink at 10:33 AM
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Tuesday, February 12, 2008 More Sleepless Nights
Last month I blogged about the National Foundation for Credit Counseling's Mortgage Reality Check. They've released the latest results. Things are not getting better. - 78 percent of the respondents said they had trouble sleeping because of worry about their current financial situation, the possibility of losing their home or car, or their ability to use credit. This is an increase of 16 percent over the November and December 2007 findings. - 69 percent of consumers taking the poll said they do not believe that refinancing their home will resolve their financial dilemma. This is an increase of 8 percent. - More than half of the respondents, 59 percent, owe more on their home than it is worth, up by 11 percent. - The category reflecting how many people had skipped paying some bills in order to pay others grew by 10 percent. - NFCC said the number of survey participants who fell into the most distressed category - the RED one - "immediate advice or assistance is recommended" increased by 12 percent since January Results come from more than 4000 surveys taken at the Web site http://www.housinghelpnow.org/ Often, when something's causing anxiety it's better do something about it. Ask questions and educate yourself. Sell whatever it is that is causing you financial pain. Even if you have to take a loss you will stop the bleeding. And when all else fails get a sleep mask and ear plugs. Melanie G. Rogers ThinkGlink.com Labels: Foreclosure, Mortgage, refinance, sleep
posted by Ilyce Glink at 3:35 PM
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1 Comments:I am talking to homeowners everyday who no only think refinancing won't help them, but neither will a loan modification. Almost all of them owe more than their home is worth today.
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Project Lifeline Buys Home Owners 30 Days
Can't pay your bills? Call the government. It'll take care of you. Treasury Secretary Henry Paulson and Housing and Urban Development Secretary Alphonso Jackson announced Project Lifeline today. It's a program designed to help homeowners facing foreclosure. Six mortgage lenders have agreed to stop foreclosure proceedings for at least 30 days against home owners who haven't been paying their mortgages. The lenders are Washington Mutual, Bank of America, Citigroup, Countrywide Financial, JP Morgan Chase and Wells Fargo. Project Lifeline works like this. Lenders will actively contact borrowers who are at least 90 days behind on their mortgages. They will give borrowers options to work out new loan terms with the goal of preventing foreclosure. Interestingly enough, the Wall St. Journal quoted Secretary Paulson saying borrowers have to bear some responsibility too. If your lender contacts you and you don't respond, the government can't help you. The speechwriter who wrote Secretary Jackson's speech must have been feeling really nostalgic. It's all about heart: "History will judge our efforts, but we will also be judged in our hearts. At this decisive moment, let us remember that the people who need us are our friends and neighbors, the people we see at the grocery store, and the people picking up their kids from school, the people we work with, the people with whom we share our lives. Their homes are usually their most important investment and the fulfillment of a dream. When we save a family from foreclosure, we strengthen our communities and neighborhoods." Melanie G. Rogers ThinkGlink.com Labels: Foreclosure, home owners, House, Mortgage
posted by Ilyce Glink at 1:06 PM
1 comments
1 Comments:"If your lender contacts you and you don't respond, the government can't help you."
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IRS Issues Guidance on Mortgage Debt Forgiveness
This morning, the IRS finally issued guidance on how homeowners who completed a short sale, and had their mortgage debt forgiven by lenders, can file their returns. Here is the actual news release from the IRS: WASHINGTON -- Homeowners whose mortgage debt was partly or entirely forgiven during 2007 may be able to claim special tax relief by filling out newly-revised Form 982 and attaching it to their 2007 federal income tax return, according to the Internal Revenue Service. Normally, debt forgiveness results in taxable income. But under the Mortgage Forgiveness Debt Relief Act of 2007, enacted Dec. 20, taxpayers may exclude debt forgiven on their principal residence if the balance of their loan was less than $2 million. The limit is $1 million for a married person filing a separate return. Details are on Form 982 and its instructions, available now on IRS.gov. "The new law contains important provisions for struggling homeowners," said Acting IRS Commissioner Linda Stiff. "We urge people with mortgage problems to take full advantage of the valuable tax relief available." The late-December enactment means that reporting procedures for this law change were not incorporated into tax-preparation software or IRS forms. For that reason, people using tax software should check with their provider for updates that include the revised Form 982. Similarly, the IRS is now updating its systems and expects to begin accepting electronically-filed returns that include Form 982 by March 3. The paper Form 982 is now being accepted, but the IRS reminds affected taxpayers to consider filing electronically, which greatly reduces errors and speeds refunds. The new law applies to debt forgiven in 2007, 2008 or 2009. Debt reduced through mortgage restructuring, as well as mortgage debt forgiven in connection with a foreclosure, may qualify for this relief. In most cases, eligible homeowners only need to fill out a few lines on Form 982 (specifically, lines 1e, 2 and 10b). The debt must have been used to buy, build or substantially improve the taxpayer's principal residence and must have been secured by that residence. Debt used to refinance qualifying debt is also eligible for the exclusion, but only up to the amount of the old mortgage principal, just before the refinancing. Debt forgiven on second homes, rental property, business property, credit cards or car loans does not qualify for the new tax-relief provision. In some cases, however, other kinds of tax relief, based on insolvency, for example, may be available. See Form 982 for details. Borrowers whose debt is reduced or eliminated receive a year-end statement (Form 1099-C) from their lender. For debt cancelled in 2007, the lender was required to provide this form to the borrower by Jan. 31, 2008. By law, this form must show the amount of debt forgiven and the fair market value of any property given up through foreclosure. The IRS urges borrowers to check the Form 1099-C carefully. Notify the lender immediately if any of the information shown is incorrect. Borrowers should pay particular attention to the amount of debt forgiven (Box 2) and the value listed for their home (Box 7). For more information, visit the IRS website, http://www.irs.gov/. Labels: Foreclosure, Mortgage, Tax
posted by Ilyce Glink at 10:48 AM
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