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News Corp is a network of leading companies in the worlds of diversified media, news, education, and information services. Fannie Mae, Freddie Mac and mortgage lenders are nearing an agreement that could lower barriers and restrictions on borrowers with weak credit, a move that would expand access to home loans amid the sluggish housing recovery. Fannie Mae’s HomePath program helps buyers of foreclosed properties get cost-effective mortgages, including cash for repairs and remodeling on homes owned by Fannie Mae.
Also to end is Fannie’s HomePath Renovation Mortgage, which allows buyers to borrow extra cash – up to 35% of the purchase price, with a maximum of $35,000 – for light to moderate repairs and updates to a foreclosed property.
But don’t be forlorn, as Fannie’s making up for these program withdrawals with a number of financing flexibilities.
Quicken Loans offers a wide array of excellent mortgage products designed to fit your needs.
Rocket Mortgage by Quicken Loans is a fast, powerful and completely online way to get a mortgage.
Currently, there are a number of foreclosure listings in Texas which need some, if not a lot, of work before they are move in ready. This is a conventional loan which means the loan amount can go up to $417,000.00 and has a low down payment of 5%. If you are an investor who is considering purchasing a property that is currently owned by Fannie Mae that is in need of a little work – the Fannie Mae HomeStyle loan is your answer as well! With the HomeStyle Renovation Mortgage – you can basically do any kind of repairs as long as the appraised value can support the repairs or improvements are common for the area.
Is the Fannie Mae HomeStyle Renovation Mortgage the best loan for investors who want to purchase a property in need of a few repairs? WASHINGTON -- Fannie Mae and Freddie Mac are masking billions of dollars losses because of the level of delinquent home loans they carry, a federal watchdog said in an internal report, and it said the companies should be required immediately to recognize the costs of some bad mortgages. The change in the accounting treatment of these delinquent loans potentially could require Fannie and Freddie, which have rebounded to enormous profitability in the past two years as the housing market recovered, to "charge off billions of additional dollars related to loans," the inspector general's report stated. The majority of Fannie Mae and Freddie Mac's losses are a result of guaranteeing mortgages that defaulted during the housing crisis. The FHFA noted the new accounting methods would involve "changes in a significant policy," and as a result require a lengthy implementation period. The report called on the FHFA to require Fannie and Freddie to conduct the changes at a faster pace, with the inspector general primarily concerned with loss estimates that are realized in Fannie and Freddie's public financial statements. For the second quarter, Freddie Mac posted its second largest ever quarterly profit, reporting net income of $5 billion, and said it would make a $4.4 billion dividend payment as part of the reimbursement for its rescue aid.
In an industry in which success is often measured against fast-growing Google (GOOG) and Apple (AAPL), Microsoft has been maligned for its lack of innovation and the resulting poor growth. International Business Machines (IBM), by most measures, is the second largest technology company in the United States, just behind Hewlett-Packard (HPQ).
Apple rapid ascent to the apex of the tech world has been mirrored by its leap up the ladder of top corporate taxpayers. Large multinational oil companies have been among the largest payers of corporate federal taxes for years. Alpha Natural Resources (ANR), a metal and coal mining company, made the mistake of buying peer Massey Energy for $7.1 billion. AMR Corp., parent of American Airlines, earned much of its tax credit by filing for Chapter 11. Verizon Communications (VZ) is one of the most successful companies in America and the 15th largest in terms of total revenue.
Their also making billions in adjustable mortgages that have adjusted to much higher rates. To see our content at its best we recommend upgrading if you wish to continue using IE or using another browser such as Firefox, Safari or Google Chrome. The bank said it had taken a charge of Sfr700m (A?487m) in its second quarter results as part of an agreement with the Federal Housing Finance Agency (FHFA) over claims brought against it by US taxpayer-backed mortgage lenders Fannie Mae and Freddie Mac.
First, the good news: The market is ticking up and the inventory of foreclosed homes is dwindling.
The HomePath program currently offers a number of incentives for home buyers: You can put down as little as 5%, there’s no mortgage insurance requirement, and you don’t have to get an appraisal. Fannie Mae will allow interested-party contributions (contributions from the seller, the lender or anyone who stands to benefit from the sale) of up to 6% of the selling price, up from 3%. After all renovation work is complete, any remaining funds in the escrow account will be used to pay down the principal balance of the mortgage. The repairs must be completed within 120 days and cannot be more than 50% of the final appraised value.
I can’t think of a better one.  Especially for those in need of some easy money for back yard renovations.


Fannie and Freddie have reduced their funds reserved to cover potential losses on bad loans due to the strengthening housing sector and higher home prices. The regulator consulted with Fannie Mae and Freddie Mac and has allowed the mortgage companies until Jan.
At that time, Fannie and Freddie were asked by the FHFA to provide an initial implementation plan and to take a closer look at new asset classifications, according to the FHFA's letter. What is ignored in that analysis is that Microsoft remains a money machine and has huge operating margins in two of its oldest divisions. Unlike some of the other companies on the highest taxpayer list, particularly the banks and oil companies, Walmart is relatively young, founded in 1962, but its expansion at the expense of traditional American retailers like Sears, Kmart and J.C.
Exxon's income tax amount was approximately the same in 2011 as it was in 2012 - $31 billion. One of Massey's mines collapsed in 2010 and killed 29 miners, the worst such incident in the country in 40 years. Its cellular business, co-owned with Vodafone Group PLC (VOD), has continued to grow, and it is now the largest provider in the U.S. They are supposed to make home financing cheaper for the homeowners--but it sounds like they are ripping them off--just like the Wall Street banks!
And, it also now allows properties with Fannie Mae-imposed resale restrictions – restrictions which require a length of time before reselling the property – to qualify for Fannie Mae-backed mortgages.
This means that not only landscaping and new decking are allowed but with this loan you may add a pool, renovate an existing pool add an outdoor kitchen and even a sauna!
Most notably, HP is falling apart, while IBM's continued success, most recently under its first female CEO, Ginni Rometty, has landed it on this list.
But these days, Apple is facing several growth challenges, which already have cut its stock price by one-quarter from record levels. Chevron has paid more than $10 billion a year in taxes in every year except one since 2005.
Most of AMR's losses, which reached $1.1 billion in the fourth quarter, came from the write-down of the value of its planes and property, and because of high jet fuel costs. Ameren said it would exit the business soon because the revenue it could get from power production was too low compared to the high cost of fuel. Its 2012 settlement with the federal government over home loan foreclosure practices cost it $2.5 billion. It was the sixth straight profitable period for the company and compares with a $5.1 billion profit for the year-earlier quarter.
One critical reason for IBM's health is that it operates in a broad array of businesses, which means it doesn't need to rely on a single sector of the tech world. What was once considered the best-run bank in the United States has gone through a series of missteps, the most visible of which was a $6 billion trading loss due to the actions of a rogue trader in its London offices.
Walmart's annual tax payment has been above $7 billion in each of its past five fiscal years. Samsung passed Apple in smartphone sales in 2011, and the iPad's dominance is under threat from Google Android-based tablets, which are on track to surpass Apple iOS-based products this year, according to research firm IDC. And its revenue since the same year has only once dropped below $200 billion during that time. Prices for the kind of thermal coal that Alpha produces are also low, thanks in part to the natural gas boom.
AMR didn't participate in the consolidation wave that hit the airline industry during the recession, and missed out on benefits that often are supposed to to be part of airline marriage: fewer planes, fewer employees, and consolidated routes.
Lear's restructuring worked, and it has even worked well enough to cause activist investors to seek board seats to force the company to distribute more cash. But the company's ancient landline business has continued to shrink as fewer and fewer people own home phones. Its settlement with Fannie Mae over troubled loans the bank sold to customers cost it $2.7 billion.
While IBM may be most associated with hardware and its long line of mainframes, its software operations and IT services division are just as large.
Berkshire Hathaway (BRK-A) also holds large positions in American Express (AXP), Coca-Cola Co.
One of the new companies, Phillips 66 (PSX), holds the former parent's downstream assets -- those that handle refining and marketing. At this point, Walmart's size has become something of a disadvantage because it has become hard for the retailer to grow much faster than the economy in general. Since the start of 2008 (when it bought Wachovia and nearly doubled in size), the year of the global financial crisis, Wells Fargo shares have rallied more than those of the other three.
Other threats to Apple's growth include the fact that its successes in China have been very modest.


Like other large energy companies, it has added liquid natural gas to its reserve base, because natural gas currently accounts for 23% of the world's energy consumption. These factors caused Alpha to book an asset impairment charge of more than $1 billion and a goodwill write-down of $1.7 billion last year. In an attempt to revive the stagnant retailer, new CEO Ron Johnson made radical changes to its merchandising approach -- and put the company into sales death-spiral instead.
Verizon's huge fourth quarter loss last year, however, had nothing to do with either landline shrinkage or day-to-day operations. Last completed fiscal year, the company had net income of $956 million on revenue of $4.4 billion. IBM is also geographically diversified, and large fractions of its sales come from Europe and Asia. Wells Fargo's success is largely due to the fact that it has not relied heavily on investment banking and proprietary trading. One challenge Chevron faces as it moves forward is the difficulty of finding new oil fields. In 2011, the year before it took the write-offs, the company had revenue of $7.5 billion and net income of $526 million.
Microsoft's online operations, including its Bing search engine and its entertainment division, which markets Xbox products, posted operating losses. Among the company's initiatives are plans to drill above the Arctic Circle beginning in 2014.
This will require Chevron to make greater and greater efforts at deep-water drilling and oil sands production.
Verizon is one of the few examples of an extremely successful company temporarily paying no taxes. Horton, chairman of the board, said when the company released results, "Our fiscal 2012 financial results reflect continued improvement in the housing market and in our company's performance. Caesars is not growing, so it will have a challenge even with the write-downs it took in 2012. GM's greatest challenge going forward is the losses in its European operations, which are made up mostly of its Opel and Vauxhall businesses. And the Financial Services Roundtable, which represents large banks, called the principles from Johnson and Crapo "a positive step toward needed reform."But House Republicans want to take a different approach. Largely due to the success of the two older operations, Microsoft has paid more than $5 billion in taxes in four of the past five years. Chevron is sanguine about its long-term prospects; it expects to increase production 20 percent by 2017. Without the $2.6 billion impairment cost associated with its merchant business, the company would have been profitable again. These losses have hurt global net income, offsetting some of GM's success in the United States and China.
A bill passed by the House Financial Services Committee would gradually close Fannie and Freddie over five years but would not replace their role with any new government mortgage guarantee.
Morgan's earnings have been solid and rose 53% in the fourth quarter, largely due to strong results in its mortgage operations. Royal Dutch Shell (RDS-A) recently stopped its operations in the same area due to engineering problems.
And its national customer base tends to be concentrated in a few markets that it dominates. Caesars continues to be challenged by several other gaming companies, including Wynn Resorts (WYNN) and MGM Resorts International (MGM). GM has posted red ink in Europe for 13 straight years, and the car industry there is so troubled that there is no end in sight.
ConocoPhillips also has significant assets in the Far East and runs the deep-water drilling operations in China's largest offshore oil field. Also, Caesars operations in Missouri, Indiana and Illinois have already suffered drops in revenue. Whether Exxon can stay atop both the tax and revenue list much longer depends on several factors, not the least of which are new sources of energy led by solar, wind and particularly shale-based fossil fuels. One benefit Exxon has that may allow it to keep the top position as America's largest company is its role as the number one producer of natural gas. Penney's largest shareholders, Vornado Realty, dumped a large number of shares recently as it pulled support for the imploding retailer.



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