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August 7th, 2011 (Modified on August 8th, 2011)

Weekly Recap (08/01/11-08/06/11)



Weekly NewspaperSaturday

How much insulation does your home need?

Adding insulation to your home is a quick and easy way to save money on your energy bills. But how much insulation is enough? How much is too much?

To help us answer those questions, we turn to EnergyStar.gov…


Want to refinance? Bring cash

Not long ago, homeowners were able to refinance their homes while simultaneously getting cash back (via some home equity). As home prices plummeted and equity evaporated, cash-out refinances went out of style real quick.

Today, with all the hassles and restrictions surrounding home financing, with refinancing programs–like HARP–doing little, your best shot at a successful refinance is to bring cash to the closing table…


Small banks still struggling with TARP bailout

It was back in 2008 that the Bush Administration decided to hand out as much as $700 billion to save the financial industry and the auto companies.

The Troubled Asset Relief Program (TARP) is not really in the news too much anymore, but a large chunk of cash remains outstanding, and loans to the small banking system remain a particular problem, one that could potentially impact mortgage rates and the availability of real estate financing…


Let’s not bash the FHA

For the last few years, it has been the FHA which has kept the mortgage marketplace afloat. FHA loans have consistently offered financing with little down, market mortgage rates and no gotcha clauses.

Now, however, some see doom ahead for the FHA program.


Writing in Bloomberg News, Jason Delisle and Christopher Papagianis said…


Suite of Content: Distressed Real Estate

As most of us are already familiar, distressed real estate–foreclosures, bank-owned or real estate owned (REO) properties and short sales–is taking over many neighborhoods, weighing down home prices and making it harder for homeowners to sell.

However, this very same distressed real estate can come at a steep discount, and pending the condition of the home, could be a great buy for you and your family.


As if a traditional home purchase wasn’t stressful and/or confusing enough, buying a distressed property can be even more confusing and involve even more risk.

HSH.com has put together a suite of content on buying distressed real estate and competing with distressed real estate…


The stagnant economy keeps mortgage rates grounded

A host of economic issues kept mortgage rates at bay last week. These issues were: 

1. The battle to increase the nation’s debt limit.


2. The potential for downgrades for the United States AAA credit rating.

3. Localized worries about the impending changes to the conforming loan limits (which will limit access to low-price funding for some borrowers)…

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About the HSH Blog

HSH.com's daily blog focuses on the latest developments in the mortgage and housing markets. Our mission is to relate how changes in mortgage rates and housing policy, as well as the latest financial news, impacts consumers, homebuyers and industry insiders alike. Our 30-plus years of experience in the mortgage industry gives us an edge as we break down the latest changes in an ever-changing market.

Our bloggers:

Tim Manni

Tim Manni is the Managing Editor of HSH.com and the author of their daily blog, which concentrates on the latest developments in the mortgage and housing markets.

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