Broderick Perkins
Broderick Perkins Articles
by Broderick Perkins
Site to See: Movoto's First-Time Home Buyer's Guide
Realty agents offer buyers pre-purchase credit, mortgage tips
Continued partisan attempts to undermine the CFPB victimize mortgage consumers
Larger down payment crucial in today's low-inventory, multiple-offer housing market
Site to See: Freddie Mac's CreditSmart
Online mortgage videos a good mortgage news
Consumer Financial Protection Bureau may not be enough to clean up mortgage
How much home will the median price buy?
High-cost areas benefitting from jumbo loan boom
Mortgage credit slowly loosening, but many restraints still in place
Mortgage co-signing not what it used to be
Inside the lessons of homeownership counseling
What's to learn from homeownership counseling?
What can you do about higher FHA loan costs? Not a lot
Fundamentals apply when applying for a mortgage
Larger down payment prompts lender, seller largess
Erate Update: Which Way Mortgage Rates?
Mortgage banker vs. mortgage broker
The true cost of homeownership
No-marriage mortgages between couples are red flag parades
How much house will a conforming loan buy?
Real estate agents' role in the mortgage application process
Home equity line of credit vs. home equity loan
New insurance covers home purchase against buyer's accidental death
Mortgage rates forecast to rise, albeit slowly in 2013
More underwater homeowners emerge from negative equity
Room for risk? Hybrid ARMs at 29-year lows
Completed foreclosures drop 23 percent, signal strength in recovering economy
20.6 million homeowners are mortgage free - for better or for worse
Foreclosures down, but not out in many cities
Low interest rates contributing to tight lending standards
Many consumers would sign up for Wal-Mart, PayPal mortgages
Fiscal cliff clouds otherwise rosy outlook for mortgage delinquencies, foreclosures
HAFA enhancements due next year
Mortgage Forgiveness Debt Relief Act on a fiscal cliff
Still higher FHA mortgage costs in the pipeline
Housing recovery not robust enough to reduce mortgage delinquencies
VA loans a major benefit for military veterans, 2.5 million veterans unaware VA loans exist
First-time home buyers not always enjoying full benefits of housing recovery
Mortgage shoppers still leaving money on the table
Site to See: McGruff growling to take a bite out of mortgage fraud crime
'Hell No!" say one in four renters, they won't go for home ownership
FHA poised to raise loan costs - again - in 2013
Consumers prefer candid, transparent mortgage originations
Smaller mortgages, fewer foreclosures sustain housing recovery
National Mortgage Settlement reaches out to military personnel
Foreclosures: The unnatural disaster
Homeownership elusive more than 10 years after foreclosure
'Shadow inventory,' national election, weather keeping consumers from low interest rates
FICO Mortgage Score could ease home loan underwriting squeeze
Good news in foreclosure rescue scam reports tracking to double in 2012
Maintaining credit health much like maintaining physical health
Decade of Morgan Stanley controversy deepens with racial discrimination suit
Latest Wells Fargo suit fodder for consumer distrust, disdain for mortgage lenders
Lenders' compliance due on hundreds of National Mortgage Settlement servicing standards
Housing crisis spawns mortgage market distrust, disdain, bitter desire to extract retributions
Mortgage strike devised to leverage mortgage relief from lenders for underwater homeowners
BofA customer? You may have just won a second mortgage payoff!
Bank of America latest major lender to face REO-management discrimination charges
Home buyers replace investors, easier mortgages replace all-cash deals
Investors poised to further stimulate residential real estate market
No-point, no fee loan regulations due in 2013
Ranks of underwater homeowners shrinking, boosting housing recovery
HOPE NOW, not HAMP, corners loan modification market
Federal agencies, lenders expand mortgage relief to borrowers affected by recent disasters
Vacation, second home, investment loans get squeezed
National Mortgage Settlement banks dole out $10.6 billion to needy homeowners
Comparison shopping is easier, but nearly half of consumers don't
Force-placed insurance a lesser known form of mortgage abuse, predatory costs
Fitch Ratings: FHA loans in jeopardy
HARP, low mortgage rates prompt lenders to write more mortgages, ease underwriting - a bit
CFPB: Consumers complain about mortgages more than any other financial service tracked
National Mortgage Settlement outreach effort one-ups Independent Foreclosure Review
Should you wait to lock in a mortgage interest rate?
Impending federal rules prompt mortgage servicers to clean up their act
Mortgage rates, housing market shine through dismal economic clouds
Wells Fargo settles on $175 million in discrimination restitutions, exists wholesale affiliations
Rise in mortgage distress calls could signal an unexpected surge in foreclosures
Mortgage modification savings help create better borrowers
Record-low mortgage interest rates alone won't end the housing crisis
FHA back pedals on credit dispute underwriting rule, perhaps only temporarily
Federal regulators order mortgage servicers not to violate military servicemembers' homeowner rights
Reverse mortgage criticism, rebuttals coming to a head
Power of counseling saves struggling homeowners $175 a month
Homeowner's short sale ebook just in time for FHFA streamlined short sales
Get a grip on record low mortgage rates with a rate lock
Are lenders truly making mortgages based on borrowers' ability to repay the debt?
Mortgage relief programs seen as assistance of last resort
FHA too-big-to-fail posture could mean a $50 billion taxpayer bailout, tighter reins on FHA loans
Infographic: Strategic defaulters rushing to beat mortgage debt relief deadline
Risk adverse lenders give new meaning to 'jumping through hoops'
Get preapproved for a mortgage before you go home shopping
Wall Street didn't particularly 'like' Facebook's IPO, SF Bay Area home values will
Mortgage delinquencies at lowest level since 2008 or earlier
National Mortgage Settlement gets Mortgage Settlement Oversight office
Refinancing homeowners rushing out of ARMs, into shorter term loans
HARP 3.0 rumors now U.S. Senate Bill 3085
Video-on-demand due as next frontier for Realtor.com's listings
Making mortgage fees make sense
Mortgage delinquency rate falls for first time in two quarters
Housing recovery front runners: Phoenix, Miami, Orlando
Bank of America extends principal reduction modification offers to 200,000 struggling homeowners
Zillow forecasts market bottom in fourth quarter 2012
Sen. Boxer harping heavy on HARP 3.0
Mortgage pundits abuzz with HARP 3.0 rumors
Costco offers online mortgages
Infographic: 2012 shaping up as good time to buy
Home sellers lower prices to compete, bidding wars ensue, recovery heats up
Mortgage fraud up more than 30 percent last year
HARP, FHA boost refinancing, FHA purchases down
Don't shoot the appraiser for the message about home values
Growth in purchase loan originations, closings signal growing strength in housing
Cashing in on your credit score
Shorts sales streamlined to head off 'underwater' mortgage foreclosures
Infographic: Debt-to-income ratio worksheet
Housing's upbeat swing into spring
Investors refinance, lock down risk with low mortgage rates
Contrarian mortgage shoppers shop around, but not always for mortgages
CFPB mortgage servicing rules expand mortgage industry's regulatory overhaul
Fair housing group warns of federal discrimination suit against REO owners
More renters becoming first time home-buyers, but most 'boomerang' back to parents
But where will they live? In their cars?
Why FRMs are strong and ARMs are weak
Forecasts call for window to close on record-low interest rates for refinancing
Vacation home market heats up with renewed demand
More short sale investors help fuel housing recovery
Healthy mortgages far outweigh distressed home loans
How and when to write a 'Qualified Written Request'
Zillow experts' do-over retreats from past housing forecast
Burns Consulting: Lagging indicators may have cost buyers bottom-market buys
Credit unions aren't the most trusted institution for mortgages
Avoid advertised auto trade-in, loan pay-off rip-offs
Your 401k could be supporting a presidential candidate you hate
Interactive 'Transaction Infraction' demonstrates how banks extract unnecessary overdraft fees
National Mortgage Settlement controversy, related scams, offset by helpful consumer guides
Hitting the brakes on auto insurance costs
Plastic that doesn't melt down
Housing poised to recover, boosts economy, stock market
More homeowners consider strategic defaults, perhaps to their detriment
Foreclosure abuses continued during year-long National Mortgage Settlement negotiations
California seeking 'Homeowner Bill of Rights'
Fully free credit scores long overdue
Home prices fall, but so does spending power
Year of the Dragon lighting fire under sellers
National mortgage settlement scams surface before official settlement signed
Auto sales, loans hit the speedway
Consumer Financial Protection Bureau taking regulatory reigns of debt collectors, credit bureaus
4.5 million get 90-day foreclosure review extension
Obama budget proposes extension on Mortgage Debt Relief Act
Uncle Sam offers free tax return preparations
Hard lessons on money made easy for high schoolers
$25 billion 'National Mortgage Settlement' adds $766.5 in fines
Five mortgage servicers agree to $25 billion 'National Mortgage Settlement'
REO 'land rush' opens with prequalification period for investors
IRS joins Justice Department in ID-theft, refund fraud crackdown
Midwest lagging as Clear Capital forecasts 2012 home price gain
Ever easier to appraise the true value of solar
Americans clamor for tax cuts, but squandered last year's tax windfall
Punxsutawney Phil's forecast bad omen for homeowners insurance rates
Rental scams target renters, landlords
HAMP modification program expanded to reach more underwater homeowners
Sun sets on mortgage insurance deduction
Green homes' success cancels auto dealers' argument about unaffordable green cars
State of the Union Address offers little for housing market
Mortgage lenders offer states $25 billion 'robo-signing' settlement
How to deploy no-cost, do-it-yourself ID theft protection
BBB: Top Scams of 2011 going strong in 2012
Banks tightening squeeze on consumers
California Congress members urge Obama to appoint permanent FHFA director
Resolve to balance credit card use with reduced debt and more savings
Consumers spending their way through economic blues
Forecast mashup reveals mixed hope for 2012 national housing market
Obama lets consumer watchdog out
How to offset the rising cost of rent
Military families' housing deeper under water than civilians'
FHA extends anti-flipping waiver again to acknowledge investors' positive role in housing recovery
Gift card exchanges help turn plastic into gold
Clear Capital report hints at earlier housing recovery
Homeownership counseling again proves invaluable
Saints or sinners, investors contribute to crashes, recoveries
Homeowners renting out underwater homes to move on
Tax advice for year-end charity contributions
Auto insurance settlement advice
SEC sues former Fannie, Freddie execs for mortgage securities fraud dating back five years
Retail holiday workers find little joy in housing costs
Tough economic times continue for homeowner associations
More sustainable American Dream is green
CFPB reveals simplified credit card disclosure form
Banks cooking books to collect more debit card fees
CFPB zeros in on credit card complaints
Feds continue 'tough guy' stance against mortgage modification scams
Home-based businesses get greater protections, but could use more relief
Real estate investors find shelter in apartment REITs
CFPB getting schooled on shadowy student loan industry
Foreclosure crisis isn't half over
Should you take your home off the market during the holidays?
Keeping the misspending monkey off your back
'Green' homes, energy-saving upgrades factored into true appraised home value
Slow down, drive safely, save on auto insurance
FHA loan ceiling raised back to $729,750
Baffled home buyers overestimate appreciation, confused by other home buying issues
Keep holiday identity theft in check
New credit scores for mortgages coming for better and for worse
Foreclosure reviews available for 4.5 million consumers
Homeowners fear lost equity more than natural disasters
Consumers exercise debit card fee options, for better or for worse
Voters seeking candidates who champion housing
Avowed 1%er Schiff gives mortgage-backed securities a pass
Estate planning primer and mistakes to avoid
More consumers making the grade on credit scores
Paying credit cards on time, letting the mortgage go, common among struggling households
Working poor quick to drop banks over hidden, unexpected fees
Are you leaving 401(k) money on the table?
Explore sharing the American Dream
Much of 1099 economy home-based
Who dominates real estate, men or women?
Underwater homeowner bailout considered with bank settlement
Identity thieves are preying on your children
Zillow enhances multiple listing service clout for FSBOs
Texan towns lead the growing pack of housing markets on the move
Two of three homeowners under-insured, potentially magnifying the impact of disaster
Debit card fee slashing strategies
Economic protestors' debit card choices more powerful than bullhorns
'Tis the season for gift card buys and gift card bewares
Is a reverse mortgage for you?
Banks' big bailout payback after regulators rollover on terms
How to get your spouse's financial baggage out of the closet
NAHB index reveals 12 recovering metros among 360 examined
More bill collectors behaving badly
Vacation property owners enjoy hot summer
Student housing investments moving to head of the class
Facilitating a faster refinance
How to boost your retirement savings
Glitter returning to Golden State's housing market
Few bright spots in blue Beige Book
Online car-buying fraud accelerates
Secured credit cards help rebuild credit, but can come with unnecessary costs
Free checking on endangered financial species list
Americans prefer to pay down debt rather than save
British tabloid type "spoofing" threatens your credit card information
Extended EHLP (Read 'Help') deadline for homeowners facing foreclosure, employment struggles
Jumbo' limits set to drop, making larger loans more costly
No shortage of short sale fraud
Feds to steer consumers away from predatory auto loans
Home ownership beats renting, if you can get a loan
Gauge your housing market's recovery and cash in
Investors better than banks, Feds at shrinking distressed inventory
Best Back-to-School Real Estate Investment Cities
Feds pondering how to unload government-owned distressed properties
Top consumer complaints tied to areas of economic distress
Short-term bank loans as expensive as payday loans
Mortgage rates eye of Wall Street storm after S&P downgrade
Debit card overdraft fee APRs soar higher than 3,000 percent
High interest rates isn't the only drawback to some payday loans
Feds target deceptive mortgage advertising years after ads contributed to crash
Housing counseling generates optimism during tough times
Credit scores cloudy with a good chance of confusion
Consumer watchdog opens amid efforts to defang the new agency
New survey ferrets out top markets for SFH rental property investments
Big break for California short sellers
Voters united over homeownership
Getting hooked on the savings habit
New plastic doesn't have to melt down your credit score
Check out high-yield checking, ring up more returns
More banks spanked for foreclosure failures
Don't over look credit union mortgages
Housing to take center stage in 2012 election
ACORN shellacking was just nuts
Utah BBB issues EZ Loan Protection alert
Married couples ready to take the plunge
Erate's 'Dirty Half Dozen Digital Ways to Buy or Sell in Today's Housing Market'
Are fewer foreclosure numbers due to book cooking?
Housing counselors thumbs down on mortgage modification operations
Half of consumers can't come up with down payment
Underwater homeowners taking on more water
S&P/Case-Shiller index confirms 'double-dip,' home buying opportunities
Foreign buyers cashing in on U.S. housing closeout sale
Investors move to the head of the home-buying class
Predatory lending tactics continue with greater stealth
Shop harder for loans for gas-sipping used cars
Housing recovery forecasts go 'poof!'
Federal consumer watchdog digging into mortgage disclosures
Jobs-housing connection a key indicator to watch
MARS' loan modification protections extend to short sales, other foreclosure relief
CRL lists top mortgage servicing abuses
Latest 'double-dip' report heralds beginning of the end of falling home prices
Predicted home price 'double dip' arrives, price bottom delayed until 2012
Should you buy a home or rent one?
Now checking account banks pull the wool over your eyes
Mortgage maze still leaves home buyers in a haze
Is your real estate agent packing the latest technology?
Misleading, aggressive marketing boosts overdraft opt-in fee collections
How to drive a hard auto loan bargain
Special Report: Hitting the Brakes on Auto Dealer Loans
Get a CLUE about your home and auto insurance claims
Mortgage lenders ordered to pay back homeowners for
questionable foreclosures
Tougher requirements, economy shrink FHA loan share
Disconnect between what buyers, sellers want
Payday loans put borrowers on debt treadmill
Most Americans thumbs down on 'strategic defaults'
Government failed housing, but continues heavy housing subsidies
Celebrate 'Financial Literacy Month'… frugally
Could you qualify for a 'Qualified Residential Mortgage?'
Why vacant homes are a tough sell
Banks winning overdraft fee war, consumers losing billions
California issues consumer alerts for mortgage fraud
Identity theft tops consumer complaint list, 'imposter scams' debut
Fence-sitting buyers worry about the hard sell
Sellers? Get inspection protection
Money does grow on trees, throughout landscaping
Bankruptcy counseling helps cure debt addiction
States offer incentives for green improvements
CARD Act eases fear of plastic
Why housing consumers say you need a real estate agent
2011 President's Day auto sales among best ever
MARS rule offers down-to-earth foreclosure, modification scam protection
New consumer finance bureau opens to criticism
Watchdog SAFE Act curbing toxic mortgages
Many consumers chronically mystified by mortgage maze
Pay rent, boost your credit score
Wall Street, not Fannie, Freddie to blame for housing, economic meltdown
Myths reduce vacation rental opportunities
Higher market risk-based mortgage fees coming
Unsung hero community groups save neighborhoods
State, local housing programs to the rescue
Federal consumer watch dog needs vice-grip bite
How to find true value in the appraisal process
Investment property owners bullish on 2011
Less filling 'double-dip' doom looms
Short sales not short nor easy
More housing forecasts. So what? Who cares?
Reverse Mortgages: Look hard before you leap
Reverse Mortgages: The debate heats up
Federal housing scorecard a mixed bag
Obama's HAMP misses modification goals, federal program out of steam
Renting gains in popularity, as home ownership shrinks
Foreclosures proceed during mortgage modifications
Five crucial contacts for home buyers
Where housing market recovery is underway
Real estate professionals say home prices haven't hit bottom
CFA claims auto insurers stiff injured policy holders
Foreclosures more cheaper than ever, but inventories falling
Cheapest, most expensive vehicles to insure
Consumers grow more bearish on home ownership
Mortgage application time increases, decreasing consumer satisfaction
Mortgage fraud cashing in on hard times
Fiserv 2011 housing recovery forecast mirrors NAR projections
Sleepy housing market gets nudge in 2011
Site to See: Federal Reserve's 'Credit Reports and Credit Scores'
Home ownership rate lowest in more than a decade
Tax relief available for home owners with corrosive drywall
Refinancing homeowners continue to 'pay-in' at near record levels
Beige Book: Housing market still blue
Tough economic times for homeowner associations
Loving, loathing America's big cities
Do you have a 'Vacation Rental Home Personality?'
It's a good time to buy a vacation home
Appraisers up next for 'Wall Street Reform' brand of regulatory do-over
Lenders freeze foreclosures as they reach record levels
BofA halts foreclosures, states investigate
CAI, CPCF: Don't ban private transfer fees
Coalition, Congress joins Fed effort to ban private transfer fees on home sales
Higher conforming loan limits for another year
Foreclosures sell at 26 percent discount, comprise 24 percent of all sales
Unsupervised, risky business, greedy homebuyers tanked the housing market
Housing bust withered California's economy, job market
California most expensive, Midwest most affordable housing
Most say it's a good time to buy, fewer see housing as a good investment
More than one in three say it's OK to walk away from mortgage
One-in-four sellers slash average $34,000 off home prices
Seven selling sillies that sap home sales
Driving a hard bargain on car insurance
Reverse mortgages slated for regulatory overhaul
Yield spread premiums make endangered loan-fee species list
Don't waste your money on these financial services
Real estate investing for beginners
Oil spill scamming washes ashore
Home sales, consumer confidence remain in recession
Making the case for lost-property-value claims in the Gulf oil disaster zone
Feds seek to ban private transfer fees on home sales
Married real estate agents make both "most likely to fool around" lists
Q&A with Karl Lee, President Santa Clara County Association of Realtors
FHA 'Short Refi' set to save underwater homeowners
Vacation rental owners' learn hard lesson from the Gulf oil disaster
J.D. Power: How to find a real estate agent
Day-at-the-beach' becomes tougher sell for Gulf Coast vacation rental property owners
Real estate company satisfaction mixed among buyers, sellers
Don't add on 'add-on' insurance
Rate of homeownership nears 11-year low
Credit cards more transparent, but problems remain
Homeowners insurance goes to school
Landmark consumer protection law heavy with strong mortgage rules
San Francisco Bay Area ground zero for national housing recovery
American Dream attracting more foreigners
Homebuyer tax credit extension for contracted homebuyers only
Steer clear of car title loans
Most neighbors still social network the old fashioned way
Easy access to all mortgage and closing costs
Love affair with homeownership on the rocks
Employed workers suffering lost income go frugal, shun credit
California gets $700,000 slice of special $1.5 billion homeowner bailout pie
California home prices shine golden again, sales rusty
Most mortgage modifications doomed to failure
Beware payday loan 'alternatives'
Gulf area homeowners get mortgage relief
More bad news for Gulf area home values
Mortgage rates not low enough for housing consumers
Zero interest credit cards quickly melt down
HomeAway issues marching orders for Gulf area vacation property owners
Credit CARD Act rewards faster balance pay off, credit scores
Housing market isn't what it used to be
Site to See: Esteemed Lending Services (It's a fake)
Auto, mortgage, credit card delinquencies decline as economy dumps doldrums
Consumers want financial protection agency
Parents flunk credit score quiz
Costly trends impacting homeowners insurance
Small loans cost consumers big bucks
Zillow: Housing's hard landing due July-September 2010
Part 2 of 2 -- Underwater? Alternatives to walking away
Part 1 of 2: Underwater? Walking away from your mortgage could really sink you
Housing consumers leaving hibernation for spring specials
HouseLogic eases the logistics of homeownership
PreventLoanScams.com coalition goes after mortgage modification fraud
New home sales nothing to write home about
Hitting bottom hasn't sufficiently changed consumer habits
What CARD Act? Credit cards get more expensive
Full housing recovery at least a decade away
Housing affordability allows some "green" workers to buy, not most community workers
Home owners getting paid for short sales
Always time for a home inspection
Home buying secrets for the 'Average Joe'
Struggling home owners awarded another $14 billion
California's improved home buyer tax credit a day late, but still great
Chances are, your next car will be used. Drive a hard bargain
Hanley Wood announces hottest housing markets for 2010
Multigenerational households go back to the future
California home sellers' losses become first-time home buyers' gains
'Free' credit reports aren't, except from AnnualCreditReport.com
Justice, voice for minority housing crisis
Why consumers still balk at buying homes
Home Sweet Apps let your fingers do the walking through the housing market
Sites to See: Clearing Credit CARD Act confusion
2010 Real estate market poised to spring ahead
Driving can be hazardous to your homeownership
Home equity till empty for many homeowners
What your car is really saying
Consumer Reports suspends recommendations for Toyota's recall models
How not to slow down your home buyer tax credit or refund
FHA speeding up foreclosure sales
FHA to raise borrower fees, stiffen qualifying requirements
Mortgage modifications with cash payments to homeowners?
Feds subpoena FHA lenders with high foreclosure rates
Auto loan defaults to rise 7 percent in 2010
A decade in residential real estate
Homebuyer tax credit boosts economy
Home buyer tax credit extension approved
New vehicle purchase tax deduction deadline days away
Improved 'housing affordability' only relative
CARD Act comes with credit counseling disclosure
2.2 million refinanced mortgages saving homes, economy
Keep auto financing and price negotiations separate
Overdraft fee rule latest short-term money-maker for banks
Home prices buoyed by favorable market conditions
Banks charging customers for NOT using credit cards
California home buyer tax credit extension dead
2009 ends with mortgage interest rates on the rise (multiple articles this page)
Refinancing Your Mortgage Under Federal Programs
Housing market mixed as new, existing home sales hit fork in the road
Rebounding California housing market may be leading indicator for nation
Get the Updated and Improved Mortgage Rates App from ERATE.com
- Why housing consumers say you need a real estate agent
- Lenders Double Down on Car-Title Loans Attempting to Stay Ahead of Regulators
- Need Cash Fast? Beware of Greedy Lenders Waiting to Exploit You
- Mortgage Rates and the Stock Market: Understanding the Relationship
- The ERATE® Resource Guide to No-Closing-Cost Refinancing
- You and Your Credit; Make it a Happy Ongoing Relationship
- Principal Reduction: New Programs, More Controversy
- Understanding Mortgages: Mortgage Paperwork
- What is Mortgage Interest?
- Mortgage Terms & Definitions
- Understanding Mortgages: Types of Mortgages
- Understanding Mortgages: How to Get a Mortgage
- What is a Short Sale?
- Understanding Mortgages: Buy or Rent?
- Understanding Mortgages: Working with a Real Estate Agent
- Understanding Mortgages: Working with a Real Estate Agent
- Understanding Credit Cards: Top Mistakes
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