Mortgage rates hit 50-year lows and it likely won't matter

Definitely agree with Matt. The real recovery will come from both borrowers and lenders who, before a purchase as large as home, actually sit down and think "Can I/they afford this?"

That question has been lost in today's society.

This is still Http://www.refinancingguide.info good news in this economy.

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matt your right, in fact i;ll go further there ought to be some kind of test to give to people to see if they are even smart enough to be a home owner, i;ve seen people move into my neighborhood/of30 years/ who dont have the common sense to know trees/from the multitude of maple tree seeds/are not suppose to grow in their gutters, that yes you may have to spray for dandelions, that no we dont want to see the sheets instead of shades or drapes hanging in your windows/all because you and the wife put new cars above home items,my neighbor hood was hit hard by the burst bubble,luckily ive gotten rid of some of the ones that should never do anything but rent,, and hope for a better class of owners next time around

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The watchdog of Fannie and Freddie, Paul Miller, says that the 30 year mortgage may go away. Don't buy on credit unless you are prepared to walk away if house prices tank on that news.

Having been a REALTOR for the past 13 years I can tell you this story is exactly true. I have recently seen people with a 750 credit score turned down for loans that were well within the generally accepted ratios of incoome to debt.
There is no doubt the banks were making loans to people that should have NEVER been allowed to buy a house. 100% financing for a person that has never saved a dime in their life and has a 625 credit score was a recipe for disaster. But now the banks are simply being rediculous.

You can thank Clinton who started the housing mess and Obama who just made it worse, Clinton let people buy homes who could not afford them then dumped it into President Bush's lap. You need excellent credit and a great job that pays well in order to get anything now. I am glad i paid off my homes when I did now that my husband and i are retired and most of our children are grown we can enjoy our life with our youngest children and all our pets.I wish you luck and hope you can get what you want.

You are illiterate. God help us all if you're able to qualify for a loan.

Heidi-check your facts! It happened during the Bush Administration. Did you forget? Or were you in a coma for eight years? During the Clinton years, there was 2 percent unemployment, stocks were great, a lot of people prospered and there was a cash surplus! Bush destroyed this country in the first eight months!

Are you even serious???? People could afford the home when they signed the dotted line you idiot, we then had our incomes cut in half!!!!!!!!! You obviously haven't been effected by the economy and maybe its time you got your dose!