resource list

• Financing  |  Loans  |  Appraisals

  • Fannie Mae (FNMA) - The nation's largest purchaser of home loans on the secondary market.
  • Freddie Mac (FHLMC) - The nation's second largest purchaser of home loans on the secondary market.
  • Ginnie Mae - HUD owned company that guarantees the securities (MBS) issued from insured VA and FHA loans.
  • Indy Mac - Closed by the Fed in July 2008.  Once one of the nations largets home lenders. Now OneWest Bank.
  • HUD - A massive government agency made of FHA, VA, Fair Housing, Equal Employment.
  • FHA - Largest government mortgage insurer for approved lenders. Gives lenders protection from defaulted loans.
  • Consumer Home Mortgage - The state's website for information on mortgages and resources.
  • CalHFA - Providing financial products to assist Calif. low to moderate income 1st-time homebuyers and renters.
  • FHFA - A newly created agency (2008) to regulate Fannie Mae, Freddie Mac and 12 Federal Home Loan Banks.
  • HVCC - New appraisal rules effective May 2009.  More information here and here.
  • Office of Real Estate Appraisers - Everything about California appraisers.
  • Home Affordability Modification Program - Gov't help to Refinance or Modify loans owned by FNMA or FHLMC.
  • New York Fed - A great tool to monitor mortgage delinquency rates by state and county.

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• Housing Market Indicators

  • US Dept. of HUD - A national quarterly report on Production, Market, Finance, Investment and Inventory conditions.
  • US Census Bureau - Tracks indicators such as Durable Goods, Retail Sales, Trade Balance, Inventories, etc.
  • NAHB - Builders' forcast and outlooks on Remodeling, Multi-family, Starts,etc. Various other indexes and suveys.
  • Federal Housing Finance Agency (FHFA) - Tracks the House Price Index (HPI) by region, state and city.
  • S&P / Case-Shiller - Indices measuring changes in the value of residential real estate in 20 regions across the US.
  • NAR - A monthly housing affordability index based on median sales prices and family incomes.
  • NAR Pending Home Sales Index - Measures housing contract activity (closed transactions) for homes and condos.
  • Bureau of Economic Analysis - Tracks GDP and other indicators by national, state and metropolitan areas.
  • US Dept. of Commerce - New residential construction and Housing Starts.
  • US Census Bureau - Recent data on Housing Vacancies and Homeownership.

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• Miscellanious Resources

  • Mortgage Calculator - Is your Loan owned by Fannie Mae? or by Freddie Mac?  Use these loan lookup tools to find out.

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