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Loan Modification

Is a Private Mortgage Right for You?

Is a Private Mortgage Right for You?

Is a Private Mortgage Right for You? – It’s a Way for the Borrower to Cut Costs, but the Lender Takes Big Risks, as reported in the WS Journal. It’s tough to find certificates of deposit that pay 2% a year. But if you’re a bank lending to 30-year fixed-rate mortgage borrowers, you can earn […]

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New Programs Could Help Home Buyers – Fannie, Freddie Aim to Aid First-Time and Low-Income Buyers

New Programs Could Help Home Buyers – Fannie, Freddie Aim to Aid First-Time and Low-Income Buyers

New Programs Could Help Home Buyers – Fannie, Freddie Aim to Aid First-Time and Low-Income Buyers, as reported in the WS Journal. Mortgage-finance companies Fannie Mae and Freddie Mac provided details of new low-down-payment mortgage programs that could reduce costs for first-time and lower-income home buyers. The mortgage-finance companies and their regulator, the Federal Housing […]

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Underwater homeowners could face extra tax burden in 2014

Underwater homeowners could face extra tax burden in 2014

Underwater homeowners could face extra tax burden in 2014 – A law that spared people who owe more than their homes are worth from being saddled with extra taxes when their banks provide mortgage relief is expiring next week, as reported in the news.  Congress hasn’t extended it. Underwater homeowners often try to negotiate with […]

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Federal Regulators Provide Guidance On Qualified Mortgage Fair Lending Risks

Federal Regulators Provide Guidance On Qualified Mortgage Fair Lending Risks

WASHINGTON – Five federal regulatory agencies today issued a statement to address industry questions about fair lending risks associated with offering only Qualified Mortgages. Creditors have asked for clarity regarding whether the disparate impact doctrine of the Equal Credit Opportunity Act (ECOA) and its implementing regulation, Regulation B, allows them to originate only Qualified Mortgages. […]

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Options during foreclosure – pay attention or else

Options during foreclosure – pay attention or else

Here is a good overview article published in the OC Register, about your options during a foreclosure.  It is an overview and not meant to be all inclusive, particularly because it does not include a discussion of taxes and resulting exposure. Q. I am in foreclosure and can’t find a lender to refinance my home. […]

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5 mythbusters for underwater homeowners

5 mythbusters for underwater homeowners

As reported in the OC Register, there are 4 mythbusters for underwater homeowners and the article points out some solid advice.  I hope you enjoy it.  Here’s the article. Home values are going up, and many struggling homeowners are gaining equity in their property. But nearly 14 million U.S. homeowners remain underwater – with mortgages […]

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Meet Paul Raymond

Meet Paul Raymond

Mr. Raymond is a sought after speaker in tax controversy law by many attorney, accountant, and business groups and at the request of the Internal Revenue Service, has presented programs at the IRS Nationwide Tax Forum, attended by tax professionals throughout the United States.

Additionally, he continues to be an active member in the Section of Taxation, American Bar Association, where he was the Past Chair of the Employment Taxes Committee.

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Member CA Bar Member Orange County Bar US Tax Court Attorney