B***6
发帖数: 787 | 1 REO #
NOTICE OF TERMINATION
Seller: Fannie Mae
Purchaser:
Property:
Date:
Earnest Money Deposit $
Seller and Purchaser entered into an agreement dated , 20 , (the “
Agreement”) whereby Seller would sell and Purchaser would purchase the
Property.
Seller’s obligation to sell and Purchaser’s obligation to purchase the
Property is terminated/cancelled for the following reason(s):
______________________________________
______________________________________
For the reas... 阅读全帖 |
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B***6
发帖数: 787 | 2 REO #
NOTICE OF TERMINATION
Seller: Fannie Mae
Purchaser:
Property:
Date:
Earnest Money Deposit $
Seller and Purchaser entered into an agreement dated , 20 , (the “Agreement
”) whereby Seller would sell and Purchaser would purchase the Property.
Seller’s obligation to sell and Purchaser’s obligation to purchase the
Property is terminated/cancelled for the following reason(s):
_____________________________________________________________________
___________________________________________________... 阅读全帖 |
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c**********e
发帖数: 1184 | 3 一、Credit History的长短对能否拿到较好的利率没有关系，但对能否被批准贷款有关
系；
二、Credit History的长短直接影响到能否产生credit score。Fannie Mae建议贷款申
请人最好有至少两个credit score；
三、Fannie Mae对Credit History的长短没有具体的要求，但各家银行为了确保自己贷
出去的房贷能卖给Fannie Mae，分别制定有各自的审核标准，比如说过去# of
tradelines， 通常较Fannie Mae的要求严格，但各自的宽严程度有所不同；
四、很多人认为至少需要2年的credit history，其实这是误解。Lender要求的是
credit history显示过去2年的居住记录。但如果没有2年的记录，也可以通过manual
underwriting来审核，只不过这就成了特例而已。 |
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I******s
发帖数: 223 | 4 你这种情况贷款没有问题，不需要付车贷。综合原因如下：
1， 你这种情况是Conforming贷款， 贷款银行基本都是打包卖给Fannie Mae 或者
Freddie Mac，Fannie Mae和Freddie Mac 对Front end ratio都没有要求。Fannie Mae
对Back end ratio 的要求Guideline上是45%， 但是有是综合别的条件很好的话， 50%
以下也有可能approve。 Freddie Mac 在guideline上对Back end ratio 没有要求，
但是以我们最近的经验也是50%。
2，所谓的Front end ratio是一些贷款银行为了更好的保护自己在Fannie Mae和
Freddie Mac的基础上加的要求。对于conforming 贷款， 现在有些贷款银行对Front
end ratio 没有要求， 有一些要求41%或者以下。你所说的28%，36%等， 对
conforming 贷款不apply。以前subprime贷款很多银行有这样的要求， 现在很少听说
了。
3，在极端情况下， 你现在付车贷款的钱以后贷款的... 阅读全帖 |
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I******s
发帖数: 223 | 5 现在绝大部分Conforming和super conforming贷款都是卖给Fannie Mae 和Freddie Mac
的， 所以你的贷款的Owner是Fannie Mae 或者Freddie Mac 其中的一家。举个例子，
就算是你和Wells Fargo直接做贷款，而且一直向Wells Fargo交贷款，一般情况下你的
贷款也已经被Wells Fargo卖给了Fannie Mae 或者Freddie Mac，Wells Fargo只是你的
贷款的Servicer，就是他们收你每个月贷款payment 的0.25%－0.375%手续费，然后把
剩余的payment forward 给Fannie Mae 或者Freddie Mac。我们平时看到和听到的很多
所谓卖掉实际上是Servicer的转换，就是你的贷款被从一个Servicer卖给另外一个
Servicer，实际owner不变， 所以你贷款的term等也绝对不会变。而且就算你的贷款被
从一个owner 卖给另外一个owner，你所有的贷款term也会和你settle时签的Note上的
完全一样， 不会变。所以请放心。 |
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d****n
发帖数: 12461 | 6 大家说的appraisal其实是银行根据fannie mae/freddie mac的标准评估的贷款标准。
只有达到评估标准的贷款才能够打包卖给fannie mae.
fannie mae的标准很简单，comp里房型被分成简单几类，卧室和厕所都用标准价格来调
整，装修用料质量都简化成6个级别，折旧情况也简化成6个级别，landscape基本不算
。一切都是为了标准化。
所以评估价格只能反映在fannie mae眼中这个房子值多少钱，最多反映相同房型的房子
最近几个月的售价是多少，根本无法准确反映卖家在装修和保养上的花费，更不用说这
个房子在买家眼里值多少钱了。
所以appraisal只要达到银行要求就可以了，其他的东西越少越好。 |
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l****z
发帖数: 29846 | 7 【 以下文字转载自 USANews 讨论区 】
发信人: lczlcz (lcz), 信区: USANews
标 题: Fannie, Freddie又要开始制造房产泡沫了
发信站: BBS 未名空间站 (Mon Dec 8 17:15:20 2014, 美东)
Helping "Qualified" Buyers: Fannie, Freddie Detail 3%-Down Payment Mortgage
Program
Now that home prices have recovered and homes are not the bargain they were
four years ago, it is fitting the parasites once again want to make homes "
affordable" to the masses with low-down payment options.
Please consider Fannie Mae, Freddie Mac detail plans for 3% down-payment
... 阅读全帖 |
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G****a
发帖数: 10208 | 8 CNBC刊登的文章说，当一家公司的季度业绩达到500亿时，投资者争相买进其股票当然
不奇怪。美国按揭公司Fannie Mae最近一个季度的业绩达580亿，所以它的股票在过去
的三个月里涨了400倍。
不过，值得注意的是专家指出这只股票只适合炒作，因为该公司的管理权属于美国政府
，也许永远都不会重新变为私有公司。
在次贷危机发生后，Fannie Mae和Freddie Mac两家按揭公司都被美国政府收管乐，从
此，这两家公司的盈利都要交给政府。也就是说投资者什么也拿不到，因此在2008年这
两家公司的股票大跌，甚至被纽约证券交易所除名。
如果政府有一天将管理权还给这两家公司，那么这两个股票就会重新值钱。而专家们说
，这个“如果”不一定会发生，即使发生，也是很久以后的事情。
FBR Capital Market的专家Ed Miller说“现在政府需要很多钱，怎么可能放弃这个收
入来源”。他认为，投资者期望政府交出两房管理权是一种幻想，这个幻想结果一定不
会好。
根据报告，不仅很多小投资者这样期望，连大型对冲基金现在都加入了这个炒作。不过
现在根本没有任何迹象表明政府会将两房再次私有化。共和... 阅读全帖 |
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h**********e
发帖数: 413 | 9 这四千块是怎么算出来的？费是要涨的，可没那么大影响吧。
rate 和 point 是互相转换的，比如如果今年可以做3.75% 三十年fixed的, 明年你做三十年fixed的只能做4.0%或更多，你明年要做3.75%你就得付一个point,那明年对四十万的loan的refinance来说确实是$4000. 但你不是非付不可，你可以选择不付，拿高一点的rate. 不像必须要付$4000的税那么吓人。这四千块税的说法有没有link ?
不过现在rate可是自从有贷款利率的记录以来最低的，要refinance还是快做吧。
关于法案影响的summary:
WASHINGTON (AP) -- Who is paying for the two-month extension of the payroll
tax cut working its way through Congress? The cost is being dropped in the
laps of most people who buy homes or refinance beginning next year.
The ... 阅读全帖 |
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p*********y
发帖数: 2741 | 10 【 以下文字转载自 CivilSociety 讨论区 】
发信人: playadelrey (A smile is a curve gets things straight), 信区: CivilSociety
标 题: One Slur Enough to Bring Racial Harassment Case, Court Rules
发信站: BBS 未名空间站 (Thu Nov 21 20:01:02 2013, 美东)
A recent decision by the U.S. Court of Appeals for the D.C. Circuit states
that a plaintiff may bring a harassment claim against an employer for a
single offensive slur, if the insult is egregious enough.
The case revolves around Magliore Ayissi Etoh, a black man originally from
C... 阅读全帖 |
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p*********y
发帖数: 2741 | 11 A recent decision by the U.S. Court of Appeals for the D.C. Circuit states
that a plaintiff may bring a harassment claim against an employer for a
single offensive slur, if the insult is egregious enough.
The case revolves around Magliore Ayissi Etoh, a black man originally from
Cameroon, who was hired by Fannie Mae in April 2008 as a financial modeler.
The company created a new “team leader” position later in the year, and
out of a dozen people promoted, Ayissi-Etoh was the only one not to rece... 阅读全帖 |
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i***s
发帖数: 39120 | 12 联合国难民署亚太地区发言人Kitty McKinsey撰文报道
泰语课上一个缅甸男孩和姚晨交换知识
姚晨倾听难民讲述自己的故事
和等待安装假肢的难民聊天
3月27日至4月1日，联合国难民署中国区代言人姚晨一行飞赴泰国，深入到泰国最大的难民营Mae La内部探访了生活在那里的难民，图文并茂的持续新闻报道，为公众并刷新了对难民的认识和了解，引起了大家对此的极大关注。与此同时，联合国难民署亚太地区发言人Kitty McKinsey在结束探访后，特别亲自撰文对本次活动进行了新闻报道，并在难民署全球官方网站以焦点图的形式发布，以下为全文译文：
中国知名演员姚晨上周添了一个身份。她放下手头工作，远赴泰国北部一个难民营，全心投入了来自缅甸东部克伦族难民的生活，举锄翻土，跟他们学庄稼，让孩子为她上基本泰语课。
肩负着联合国难民署中国地区代言人的任务，姚晨上周探访了泰北Mae La难民营两天。这里安置了约 29,000名登记难民和 16,000 尚未登记的难民，全部来自缅甸。跟他们相处两天下来，姚晨由衷的说：“难民们在困厄中维护自尊，令我深受感动。”“他们溢发出内在的美态，穷困无改他们的仁厚，充满尊严地... 阅读全帖 |
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l**i
发帖数: 8144 | 13 From 1938 to 1968, the Federal National Mortgage Association (Fannie Mae)
was the sole institution that bought mortgages from depository institutions,
principally savings and loan associations, which encouraged more mortgage
lending and effectively insured the value of mortgages by the US government.
In 1968, Fannie Mae split into a private corporation and a publicly
financed institution. The private corporation was still called Fannie Mae
and its charter continued to support the purchase of mor |
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a****s
发帖数: 3077 | 15 "Statistics show that book value such bonds owned by Bank of China (BoC,
SEHK: 3988 and SHSE: 601988) reached USD 819 million, or CNY 5.56 billion,
as at the end of June 2010
谁解读一下什么意思。是不是原来3000亿的bond的账面价值到2010年底还剩8.19亿美元?
China Banks Sell Fannie Mae, Freddie Mac Bonds
Posted on: Fri, 18 Feb 2011 06:04:41 EST
Symbols: FNM, FRE
Click here to find out more!
SHANGHAI, Feb 18, 2011 (SinoCast Daily Business Beat via COMTEX) --
The SAFE said recently that related repayment of principal and interest wa... 阅读全帖 |
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i*********9
发帖数: 85 | 16 美联储又一手发行美钞，一手买进国债了，变相的QE3。
Fed balance sheet hits another record size
Reuters Thu Jun 23, 5:01 pm ET
NEW YORK (Reuters) – The Federal Reserve's balance sheet expanded to a
record size in the latest week, as the central bank bought more bonds in an
effort to support the economy, Fed data released on Thursday showed.
The purchase was part of its $600 billion program, dubbed QE2, aimed at
stimulating investment and economic activity.
The balance sheet -- a broad gauge of Fed lending to the financia... 阅读全帖 |
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w*p
发帖数: 16484 | 17 http://news.yahoo.com/obama-taps-former-biden-aide-ron-klain-as
Yahoo's comments are interesting.
Ann 31 minutes ago
5 👎
136 👍
CNN is reporting that Obola will name Ron Klain (Biden's Chief-of-Staff) as
the new Obola Czar.
Wikipedia says: "Klain apparently signed off on President Obama's support
of a $535 million loan guarantee for now-defunct solar-panel company
Solyndra. Despite concerns about whether the company was viable."
He was also a paid lobbyist for failed mortgage gian... 阅读全帖 |
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y****j
发帖数: 314 | 19 首先你要搞清楚美国很少有银行自己bear the risks.降低standard是因为收购loan的
两家最大的公司降低了standard. 美国几乎所有的loan最后都卖给了Freddie mac and
Fannie mae.如果没有他们收购这些sub-prime loans你以为银行愿意冒那么大的风险吗
？然后你知道Freddie mac and Fannie mae是什么性质的公司么？你觉得政府没有责任
么？
的确，利用portfolio的重组可以降低风险，将好的资产和坏的资产组合在一起出售也
不是什么新闻，但这个并不代表他们的违约的风险就降低了。
当然这其中那些Financial Institutions也有责任。他们利用了这个机会大量的出借给
原本不符合标准的borrower.然后把这些loans打包卖给Freddie mac and Fannie mae从
而获利。很多institutions其实是知道其中的风险的。
还有，并不是只有银行才能发行贷款，所以你把所有责任归给银行也是不对的。
the |
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m*********a
发帖数: 3299 | 20 (Reuters) - The U.S. Department of Justice and the Commodity Futures Trading
Commission have both held investigations into whether Bank of America (BAC.
N) engaged in improper trading by doing its own futures trades ahead of
executing large orders for clients, according to a regulatory filing.
The June 2013 disclosure, which Reuters recently reviewed on a website run
by the securities industry regulator FINRA, sheds light on the basis for a
warning by the Federal Bureau of Investigation on Janua... 阅读全帖 |
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g********2
发帖数: 6571 | 21 October 31, 2016
The Rats are Leaving the Ship
By Frank Friday
The city I live in is sometimes called the biggest little town in the
country because everybody seems to know everybody else’s business, but we
have nothing on the nation’s capital. After James Comey’s bombshell
announcement that thanks to Anthony Wiener’s laptop, the Hillary
investigation is back on, who gets drafted by the Clintons to fight back?
Jamie Gorelick. Yeah, that Jamie Gorelick, the Clinton’s cover-up artist
who left DOJ ... 阅读全帖 |
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e******n
发帖数: 144 | 22 帮我看看？
OBJECTIVE
Seeking a permanent and full time mechanical engineering position where my
knowledge in fluid mechanics,
alternate energy systems, power plant reactors, shock/vibration analysis,
and thermal analysis can be applied.
EDUCATION
xx University School of Engineering
Graduation Date: May 2010
Major: Bachelor of Science in Mechanical Engineering with an Energy System
Concentration
GPA: 3.0
EXPERIENCE
Missiles Launch Research Rutgers, Department ... 阅读全帖 |
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e*****t
发帖数: 1005 | 23 【 以下文字转载自 Java 讨论区 】
发信人: exploit (累～头疼%￥%), 信区: Java
标 题: java positions
发信站: BBS 未名空间站 (Wed Oct 10 18:44:00 2012, 美东)
Got this from a recruiter, if you are interested, contact the recruiter dire
ctly.
I am a corporate recruiter for Fannie Mae and am in the process of identifyi
ng multiple Java/JMS/Tibco developers for our offices in Herndon, VA and Was
hington , DC.
We are scheduling interviews with the interview team in DC and Dallas on 18t
h October, 2012, with additional locations in Chica... 阅读全帖 |
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c****h
发帖数: 590 | 24 诡异吧，180K的房，我们出170K, 出错以后银行把房子送到auction，昨天agent发现
Fannie Mae居然在auction只卖了140K，还不如卖给我了. Fannie Mae拿了政府的钱最
近真是乱搞。搞错门牌号码就让政府亏了30K.
如果有cash买房，又能找个有经验的realtor, deal还是有的，特别是这种银行房。感
觉Fannie Mae和Freddie Mac拿了stimulus money好像不怎么怕帐上亏钱了。 |
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h***b
发帖数: 1233 | 25 留意这新政策适用于未能满足银行在 refi 时一般要求房子有20% Equity，或是房子买
入后跌价，不幸"潜水"（负资产）的苦业主。具体细节有待两房公布，银行大约会在11
月中以后开始执行，执行过程中可能有相对严的要求，因为新政策是基于 voluntary
basis...
Obama gov't & Fannie & Freddie are coming w/ out new HARP (home affordable
refi program) guidelines that remove limit on LTV (was up to 125%, or -ve 25
% equity). big caveat--HARP is NOT mandatory and thus participating
lendersmay impose stricter guidelines...
1. Existing mortgage loan must be owned or guaranteed by Fannie Mae or
Freddie Mac.
2. Existing mo... 阅读全帖 |
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S**********e
发帖数: 10 | 26 申请贷款只能用FICO分数，因为这是Fannie Mae的规定：
"Credit scores are required for most mortgage loans purchased or securitized
by Fannie Mae.The lender must attempt to obtain and use the classic FICO
credit score for each borrower. The classic FICO is produced from software
developed by Fair Isaac Corporation and is available from the three major
credit repositories. Fannie Mae requires the following versions of the
classic FICO score for both DU and manually underwritten mortgage loans:
• Equifax Beacon&#... 阅读全帖 |
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b***r
发帖数: 233 | 27 谢谢bed.
google了以下HARP的条件:
You may be eligible for HARP if you meet all of the following criteria:
•The mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae
.
•The mortgage must have been sold to Fannie Mae or Freddie Mac on or
before May 31, 2009.
•The mortgage cannot have been refinanced under HARP previously unless
it is a Fannie Mae loan that was refinanced under HARP from March-May, 2009.
•The current loan-to-value (LTV) ratio must be greater than 80%.
... 阅读全帖 |
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O*********h
发帖数: 4674 | 28 房子是fannie mae own的，去年12月1号foreclosure的
里面都maintain的挺好的，我直接找了listing agent， 但是回复我的人是listing
agent的手下
通过他看了房子和下offer，居然都不用我签名都行，说是先让银行同意了，直接
contract
一般来说是不是这样做没什么太大问题，这个人话特别多。Fannie Mae own的房子是不
是都没什么问题？据他说是直接跟fannie Mae deal的， 没有第三方的资产管理公司。
bank own的房子一般都要注意什么？
另外不好意思的问一下，这个agent是个墨西哥后裔，但是英语没什么口音，应该是第
二代第三代了，哪里可以查到一些agent的background之类的啊
多谢了 |
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b*t
发帖数: 489 | 29 Feddie Mae新的规定不能给F签证贷款，而大部分银行都会把贷款经过Feddie Mae背书
之后卖掉，所以不会批准你的贷款。
根据最近几个朋友和我的经验，OPT唯一的可能就是找local的银行或者credit union.
他们有些贷款会keep in house, 所以不需要Feddie Mae的背书。只要你有好的信用分
数和收入，都没有问题的。rate可能没法shopping，不过有贷款就不错了。 |
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f*********u
发帖数: 455 | 30 我们已经下了OFFER，而且已经签了协议（交了4000块的EARNEST money)
但是问题现在是贷款出了问题。
问题既不是我们的收入不够，也不是我们信用分数不够
是我正要换工作
我现在在德州工作，七月一号开始去压力双那工作
房子的CLOSE DATE是6/6
办贷款需要PAY CHECK，我们只可以提供我现在在德州的PAY CHECK
所以我只能办SECONDARY HOME的MORTGAGE。
但是银行会向我现在的雇主CHECK 我的EMPLOYMENT。
假如我现在单位的HR向银行说我马上要离开，银行就会不批准我的贷款。
就算我现在单位的HR不说我马上离开，但银行会把我的贷款卖给FANNE MAE，FANNIE
MAE会向我现在的单位CHECK EMPLOYMENT，这样FANNE MAE会拒绝我的贷款（因为那时候
我已经离开了我现在这个单位）。
我想象我这样的情况肯定不是只有我一个人（全国范围内，应该有很多人会在换工作之
前买房子，办贷款），我不知道别人是怎么解决我这样的问题的，难道没有别的办法了
么？
多谢！在线等答复！！ |
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f*********u
发帖数: 455 | 31 情况是这样的
银行需要把我的贷款再卖给FANNIE MAE
FANNIE MAE需要再检查我的EMPLOYMENT STATUS
这时可能就几个月过去了，
FANNIE MAE发现后，会说我们贷款不真实（因为我需要申请PRIMARY HOME MORTGAGE）
所以银行现在不想TAKE RISK
上面都是我的AGENT告诉我的
FANNIEMAE |
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c**********e
发帖数: 1184 | 32 这个问题稍微复杂点（不分在哪个州），一般的银行办下来的贷款都会卖给“两房”-
Fannie Mae或者Freddie Mac而很少会自己hold。如果您的申请已经在今年11月15日或
之前提交，且不是jumbo loan（大额，一般大于$625.5K)，那么银行只会要求看一个月
的statement，故一个月之前有大额转账没事。对于11月16日以后提交的申请且最后银
行卖给Fannie Mae的话（Freddie Mac不要求），现在一般需要看两个月的bank
statement且需要解释大额转账，如果已经开始，您可以问一问loan officer贷款是不
是走的Fannie Mae，然后讲一下自己的concern。当然，如果确实比较麻烦，可以等到
这个月底新statement出来了再提交，这样一来就规避了上上个月的statement。两个月
的statement是final approve之前提交就可以了，不是说一开始就要给。
如果有其它问题，可以私信给我。
Hope the above helps! :) |
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M*******r
发帖数: 165 | 33 They mentioned there's coinsurance on the master insurance policy of the
condo community and there's no agreed amount endorsement.
I guess the condo HOA doesn't have enough endorsement for hazard.
BoA says this is a new rule from Fannie Mae and they cannot issue loan for
this type of property.
Questions:
Can I still get a loan indirectly from Fannie Mae? If I get a loan somewhere
else, say Ginnie Mae, would the interest be higher?
Can I pull off my current contract? I have 10k ernest money....
M... 阅读全帖 |
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g*q
发帖数: 26623 | 34 Sallie Mae跟Fannie Mae/Ginnie Mae/Freddie Mac是一伙的,都是联邦政府担保的私人
贷款机构.Sallie专搞学费相关产品,比如student load,529 plan等等.97年以前是政府
机构. |
|
g*q
发帖数: 26623 | 35 Sallie Mae跟Fannie Mae/Ginnie Mae/Freddie Mac是一伙的,都是联邦政府担保的私人
贷款机构.Sallie专搞学费相关产品,比如student load,529 plan等等.97年以前是政府
机构. |
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m********7
发帖数: 1791 | 36 是grocery.
：salie mae 在中国店5%可靠么？会被认为是grocery？
：
：【 在 Diors (屌丝) 的大作中提到: 】
：: 有ink或者通过amex offer搞amazon gc来买amazon的东西比sallie mae更爽
：: Sallie Mae牛的是在中国店和Walmart/target可以5% cash back
：
：
…… |
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y****u
发帖数: 831 | 37 带链接、排版后的链接见二楼，防吞
————————————————
Amazon良好的售后服务，详细的产品介绍和评论，unnamed信得过的质量，不错的价格
都让人欲罢
不能。今天就来谈谈在Amazon购物的技巧，让你省上加省。今天就从以下三方面来谈谈
如何在Amazon购物省钱
省运费
有技巧的付款（省5%-20%）
拿返现（省3%-30%）
1. 省运费
学生篇
如果你现在还是美国的在校大学生，那么恭喜你，Amazon提供一个免费注册的Amazon
Student项目，第一次注册可以享受六个月的会员（Amazon prime），享受无限制的免
费两天内送货（free two day ship）。而六个月之后，只要你购物满$35，还可以享受
免运费，但一般就享受不到两天内送达的福利了。同时，你还可以花半价购买Amazon
Prime会员，继续享受两天到货和所有会员福利。
Amazon Student 注册链接（注意最好使用学生的edu结尾邮箱注册）
非学生篇
Amazon Prime 是可以多人共享的，可以找几个同事朋友一起分担一下年费。当然，可
以计算下大约要在amazon花费多少... 阅读全帖 |
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q******1
发帖数: 19 | 38 Fannie Mae’s Alt-A Pain May Extend to BofA
By: PAUL JACKSON
August 8, 2008
related
Fannie Mae Sees Mortgage Portfolio Shrink; Delinquencies Continue Upward
Trend
Fannie Posts $3.6 Billion Loss in Fourth Quarter
Countrywide’s Sambol Tapped to Lead Combined BofA/Countrywide Mortgage
Business
Advertisements
All hemming and hawing aside over a large quarterly loss at Fannie Mae (FNM:
8.40 -7.18%) posted Friday — one that, it should be noted, was the result
of aggressive reserving for future losses — |
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f**********n
发帖数: 3081 | 39 Earnings view
Current headlines show that Fannie Mae reported a profit of $84 billion for
2013 however that figure is not a good way to measure company value. The $84
billion is largely driven by the recognition of deferred tax assets, a one-
time event rather than a recurring one. A more accurate picture would come
from excluding the $50.6 billion gain from the deferred tax assets resulting
in $33.4 billion in net income for 2013.
Freddie Mac received a similar benefit from the recognition of d... 阅读全帖 |
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m*********y
发帖数: 10616 | 40 US Rep Frank: Fannie Mae, Freddie Mac Should Be Eliminated
Font size: A | A | A
11:16 AM ET 1/22/10 | Dow Jones
By Michael R. Crittenden
Of DOW JONES NEWSWIRES
WASHINGTON (Dow Jones)--Fannie Mae (FNM) and Freddie Mac (FRE) should be
eliminated in their current form by lawmakers, who must design a new way to
finance the U.S. housing market, a top House Democrat said Friday.
"As I believe this committee will be recommending, abolishing Fannie Mae and
Freddie Mac in their present form and coming up |
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s***v
发帖数: 4924 | 41 我觉得你们不要随便骂人，也别迷信什么两房有美国政府担保不会赖帐。只有Ginnie
Mae才是真正有美国政府信用支持的，两房虽然评级一直很高，但根本不到Ginnie Mae
这种级别。举个不太恰当的例子，如果Ginnie Mae是中国人民银行，那两房是中国银行
，这样就好理解他们的差别了。 |
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l*********m
发帖数: 16971 | 42 By AL YOON, JACOB BUNGE AND NICK TIMIRAOSAl Yoon
Updated Nov. 7, 2013 3:40 p.m. ET
Trading in thousands of unlisted shares, including the government-backed
mortgage companies Fannie Mae FNMA +4.78% and Freddie Mac, FMCC +2.71% was
frozen for more than five hours Thursday after a "connectivity issue"
knocked out stock quotes at online-quotations company OTC Markets Group Inc.
OTCM -0.64%
The outage prevented the New York company from opening trading Thursday
until 3 p.m. EST.
OTC Markets provid... 阅读全帖 |
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N**********8
发帖数: 122 | 43 You should able to get a loan from some a small local bank. They will hold
your loan in their portfolio and not sell to the secondary market. You have
to put 20 to 30% down payment to get this type of loans.
The building is not Fannie Mae approved, ask the builder to cover your
closing cost. If the location is good, eventually the building will be
Fannie Mae approved. You can do a re-finance it in a few months.
In general the market is stabilize in most part of NJ especially Jersey City
and... 阅读全帖 |
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l*******7
发帖数: 93 | 44 有很多人的loan underwater ,不能refi,Obama的这个计划可以帮助不能refi的，不过
有些条件
你要看你的loan 是否已经卖给Freddie Mae or Fannie Mac,如果是，就符合。
另外你是否2009年6月1日以后没有做过reif,如果是也符合。
无论是primary house还是rental 都可以做。
这个计划要帮助那些2008年前后Bubble的时候买房的买到最高点，没有机会做refi的人
。具体详情请看如下内容。
你如果符合可以明天给你的agent 打电话询问一下。03/19可以submit给银行了。
另外重要一点是不用order appraisal 了，如果条件符合的话，可不要错过机会了。
HARP 2.0 Program Highlights
Unlimited loan-to-value (property value is no longer an issue when doing
this type of loans).
NO Credit score minimum is required.
Appra... 阅读全帖 |
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r*****g
发帖数: 682 | 45 http://online.wsj.com/article/SB1000142405274870481050457630953
Home Market Takes a Tumble
Turnaround More Distant After 3% Drop, Steepest Quarterly Decline Since 2008
Home values posted the largest decline in the first quarter since late 2008,
prompting many economists to push back their estimates of when the housing
market will hit a bottom.
Home values fell 3% in the first quarter from the previous quarter and 1.1%
in March from the previous month, pushed down by an abundance of foreclosed
ho... 阅读全帖 |
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s****g
发帖数: 1028 | 46 She made the offer the first day it went on market, she offer the asking
price but ask the bank to cover all the closing cost.
I believe it is fannie mae house, according to the listing agent (they list
all fannie mae house in our area) , they will usually give you closing cost
if owner occupied, but never pay closing cost if investment property.
All their listing is on homepath.com
The house she got is not a super good deal (maybe 10% below market), but
house is in good shape and seller put in ... 阅读全帖 |
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e*****t
发帖数: 1005 | 47 【 以下文字转载自 Java 讨论区 】
发信人: exploit (累～头疼%￥%), 信区: Java
标 题: java positions
发信站: BBS 未名空间站 (Wed Oct 10 18:44:00 2012, 美东)
Got this from a recruiter, if you are interested, contact the recruiter dire
ctly.
I am a corporate recruiter for Fannie Mae and am in the process of identifyi
ng multiple Java/JMS/Tibco developers for our offices in Herndon, VA and Was
hington , DC.
We are scheduling interviews with the interview team in DC and Dallas on 18t
h October, 2012, with additional locations in Chica... 阅读全帖 |
|
e*****t
发帖数: 1005 | 48 Got this from a recruiter, if you are interested, contact the recruiter dire
ctly.
I am a corporate recruiter for Fannie Mae and am in the process of identifyi
ng multiple Java/JMS/Tibco developers for our offices in Herndon, VA and Was
hington , DC.
We are scheduling interviews with the interview team in DC and Dallas on 18t
h October, 2012, with additional locations in Chicago and New York in the mo
nth of November.
We are looking for developers with expertise in:
Technical expertise in Java/J... 阅读全帖 |
|
N****g
发帖数: 1192 | 49 thanks! google了一下。。。
房利美(Fannie Mae)和房地美(Freddie Mac)，
房利美(Fannie Mae)和房地美(Freddie Mac)，发布时间: 2008-09-16 15:37:40 点击
率：474US TAKES CONTROL OF FANNIE AND FREDDIE
The US government yesterday seized control of Fannie Mae and Freddie Mac in
what could end up being one of the world's biggest financial bail-outs as it
tried to prevent the mortgage giants suffering a catastrophic failure.
While the US government stopped short of using the word “nationalisation”,
analysts said the moves amounted to de f |
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x**n
发帖数: 1936 | 50 二， 贷款，抵押与债券
两房，也就是Federal Home Loan Mortgage Corporation (FHLMC), 或者简称 Freddie
Mac， 以及 Federal National Mortgage Association (FNMA), 统常称为 Fannie
Mae. 这两个看似名称极度相似的美国联邦政府的房屋贷款姊妹公司，不知到什么时候
被哪个语言大圣给翻译成了让人七窍生花的中文名称：“房地美”和“房利美”。
这房利美，Federal National Morgage Association, Freddie Mae，成立于1938年。
其目的是要建立一个secondary market for mortagages insured by the Federal
Housing Administration (FHA). 这里需要说明两个意思。 一是secondary market，
二是 Mortgages inssured by 联邦政府。
这里的secondary market 并不是指这房利美是一个没有钱的middle man的贷款中介。
恰恰相 |
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