Fannie Mae zahlt alles zurück

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Hoher Gewinn der US-Immobilienbank

Fannie Mae zahlt alles zurück

Fannie Mae verbuchte 2013 einen Gewinn von 84 Milliarden Dollar.

Die mit Steuergeldern gerettete Immobilienbank Fannie Mae entwickelt sich für den US-Staat zu einer gewinnbringenden Investition. Das im Zuge der Hypotheken- und Finanzkrise verstaatlichte Unternehmen verbuchte im vergangenen Jahr einen Gewinn von 84 Milliarden Dollar - umgerechnet etwa 61,3 Milliarden Euro. Damit wurde der Vorjahresgewinn fast verfünffacht.

Ausschlaggebend für das gute Ergebnis waren den Angaben zufolge nicht nur der Aufwärtstrend auf dem US-Immobilienmarkt, sondern auch steuerliche Effekte aufgrund der vorangegangenen Verluste sowie die Einigung mit Großbanken auf Entschädigungen im Zusammenhang mit Betrugsvorwürfen bei Hypothekengeschäften. Für das laufende Jahr rechnet Fannie-Mae-Chef Timothy Mayopoulos erneut mit satten Gewinnen - allerdings werde das Ergebnis von 2013 nicht wieder erreicht.

Rettungsgelder komplett zurückgezahlt

Fannie Mae kündigte an, im kommenden Monat weitere 7,2 Milliarden Dollar in Form einer Dividende an den Staat zu überweisen. Damit hätte das Unternehmen nicht nur die gesamten 116 Milliarden Dollar an Rettungsgeldern zurückgezahlt, die es vom Staat im Jahr 2008 erhalten hatte. Zusammen mit den bisher überwiesenen 114 Milliarden Dollar wären damit mehr als 121 Milliarden Dollar von Fannie Mae an die US-Regierung geflossen. Damit hätte sich die Verstaatlichung vollends zu einer ertragreichen Investition entwickelt. Auch nach der vollständigen Rückzahlung bleibt der Konzern - genauso wie das ebenfalls mit Staatsgeldern gerettete Schwesterunternehmen Freddie Mac - unter Kontrolle des Staates.

Stand: 21.02.2014 17:41 Uhr

 

 

 

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Housing affordability gap is growing

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The American dream of home ownership has become drastically less affordable for many working families in Southwest Florida, new figures show.

A trio of reports released this week say the cost of real estate is drifting further out of reach for potential buyers earning median salaries — with general housing expenses rising well beyond stagnant worker wages.

With rents in the area also escalating, families in Sarasota and Manatee counties are now dedicating a greater portion of their earnings to basic housing than what is considered financially stable.

These new measures of the lack of affordability come as a stark turnaround from just three years ago, when home ownership during the Great Recession on a percentage of income basis was among the least expensive in state history.

Housing has recovered regionally faster than the general economy, spurred by strong demand from investors and affluent retirees. Together, those groups have sparked steep price hikes nationwide.

Economists warn the trend could eventually shut out an entire generation of young Americans and disrupt a cycle of move-up purchases that the housing industry depends on for growth.

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http://www.heraldtribune.com/article/20140220/ARTICLE/140229970/2416/NEWS?p=1&tc=pg

 

 

 

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Florida housing market gains momentum

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·         Florida housing market gains momentum

·         Florida's housing market ended 2013 with higher home sales and higher median prices compared to the year before, according to Florida Realtors. However, going forward the Florida housing market faces obstacles that could impede a stronger recovery, such as limited inventories of homes for sale, overly-restrictive mortgage credit, increasing interest rates and flood insurance costs, the report states. More at WPC and the Orlando Business Journal.

 

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5 ways buying a house just changed

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5 ways buying a house just changed

WASHINGTON – Jan. 22, 2014 – New mortgage regulations mandated by the Consumer Financial Protection Bureau went into effect this month. The rules are meant to hold lenders liable for bad loans and protect borrowers from loans they can’t afford.

Here are five ways the rules affect a home purchase:

1. New servicing standards: Existing homeowners will either get a monthly statement or a coupon book from their lender showing the current loan balance, payment amount and next due date. While some borrowers already receive monthly statements, all mortgage lenders are now required to provide them.

2. Underwriting criteria: Lenders will require more documentation of ability to repay from new homebuyers applying for a loan. At a minimum, creditors generally must consider eight underwriting factors:

• current or reasonably expected income or assets
• current employment status
• the monthly payment on the covered transaction
• the monthly payment on any simultaneous loan
• the monthly payment for mortgage-related obligations
• current debt obligations, alimony, and child support
• the monthly debt-to-income ratio or residual income
• credit history

3. Debt ratio: The Consumer Financial Protection Bureau set a number for determining if a buyer can afford their mortgage payments. The number – the debt ratio, or what percentage of monthly income is used to pay debt – is 43 percent. Debt includes payments on student and auto loans, credit cards, alimony and child support.

A loan to a borrower with a higher than 43 percent debt ratio is considered high risk and might not get approved. Before, consideration of debt to income was at the discretion of the lender.

Lenders can still make loans that don’t meet the 43 percent debt ratio standard, but might not be able to sell these loans, which creates more risk for the lender.

4. Struggling borrowers: Lenders now have certain obligations to meet with people having trouble paying their mortgages. For example, a foreclosure cannot be initiated before 120 days of default. During that time, lenders are to work with homeowners on loan modifications or refinances to keep them in their home.

5. Timeliness: Other rules require lenders to fix issues quickly and credit payments quickly. Mortgage servicers will now have to call or contact most borrowers by the time they are 36 days late on their mortgage.

One thing that hasn’t changed: Past payment history is still a big deal, including your credit score, for obtaining a home loan.

Sources: Consumer Financial Protection Bureau; and Tim Mislanky, senior vice president and chief lending officer of Wright-Patt Credit Union Inc.

Copyright © 2014 the Dayton Daily News (Dayton, Ohio). Distributed by MCT Information Services.

 

 

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Cape Coral home listed at $290000 with pool and west exposure on freshwater canal

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View our new Cape Coral home listed at $290000 with pool and west exposure

 

View Cape Coral Vacation Home for sale Listing

 

 

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Ft. Myers, FL - Broad Price Gains as Traffic Remains Above Expectations

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Ft. Myers, FL – Broad Price Gains as Traffic Remains Above Expectations

Source: Credit Suisse; Census Bureau (1,806 single-family permits in 2012, 65th largest market in the country)

Our Take:

• Ft. Myers appears to be one of the healthier markets among those we survey, as buyer traffic remained at solid levels ahead of expectations and strong price gains continued. Our traffic index edged up to 61 vs. 60 in August, as agents said buyers are getting a head start on the fall/winter season.

• Home prices continued to experience broad-based increases, as our index came in at 83 in September vs. 94 in August.

• Inventory levels continue to trend lower and the length of time needed to sell is also declining, both of which are positive indicators for future pricing.

 

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new businesses coming to Cape Coral

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CAPE CORAL, Fla. - A business planning to develop on the other side of the so-called "dead end" Hancock Bridge Parkway is expected to breathe new life into the city of Cape Coral.

That new business is going to be a Sam's Club, and the first for Cape Coral.
 
Sam's Club has considered Cape Coral, and this very location for years, according to the city's economic development director Dana Brunett.
When the economy slumped years ago, the membership-only retail warehouse giant pulled back. But he says things are moving once again.
"More people are coming back, buying homes, so now we're getting on track and with that comes the commerce. Sam's Club understands this is a good market," Brunett said.
He says Sam's Club is hoping to finish its approval process with the city by the end of 2013.
Construction could begin early 2014.  Some residents are pleased. "To attract much more businesses, so that the taxpayers of the city do not have to take the brunt of all the expenses that come with paying taxes," said resident Carlos Espendez.
Sam's Club will create an estimated 200 jobs.
It's not the only big development coming to the city.  A Wawa is scheduled to be built near the intersection of Pine Island Road and Del Prado Boulevard.
A super Walmart is slated for the northwest.
There are smaller parcels of land surrounding the Sam's Club site. City officials believe it will encourage other businesses to develop around it.

 

 

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1136 N.E. Pine Island Rd. Ste.#14

Cape Coral, FL 33909

 

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