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• How the Fed?s lower interest rate affects consumers (Lawrence Journal-World)
  Last month, the Federal Reserve cut interest rates for the sixth time this year in its efforts to restrain the credit crisis. The move that reduced the rate to 1 percent was a shot in the arm for Wall Street, which was up 10.1 percent that week. But what have all these cuts meant for the average consumer?



• LibertyStreet Financial Group Launches New Government-Backed Reverse Mortgage Program (Business Wire via Yahoo! Finance)
  SAN DIEGO----With many baby boomers coming of age, retirement incomes for seniors have remained relatively flat while the cost of living has skyrocketed. On November 6th, 2008, a new law took effect, increasing the federally insured Reverse Mortgage lending limit from $362,790 to $417,000 for homeowners age 62 and up.



• Fannie, Freddie Boost Effort to Minimize Foreclosures (Update1) (Bloomberg)
  Nov. 11 (Bloomberg) -- Fannie Mae and Freddie Mac , the largest U.S. mortgage-finance companies, will accelerate anti- foreclosure efforts with a new loan modification program designed to cut monthly payments for struggling homeowners.



• Credit Scores More Important Than Ever for Best U.S. Loan Rates (Bloomberg)
  Nov. 13 (Bloomberg) -- Bryan and Trudi Sorge used two credit cards with 0 percent interest rates to pay for a new deck at their Pine, Colorado, home, unaware the transaction would lower their credit score.



• Fannie, Freddie Said to Increase Efforts to Cut Foreclosures (Bloomberg)
  Nov. 11 (Bloomberg) -- Fannie Mae , Freddie Mac and housing industry officials plan a new mortgage modification program designed to cut payments for hundreds of thousands of homeowners facing foreclosure, according to people briefed on the matter.



• Lack of capital will affect major initiatives here (Richmond Times-Dispatch)
  Although the government has continued to make unprecedented and dramatic moves to thaw frozen credit markets and try to avoid a recession, lenders in the commercial mortgage market haven't gotten the memo. To the contrary, several large real estate lending groups went through another round of layoffs at the end of October, which runs counter to what would occur if more business was expected to ...



• Fannie, Freddie Boost Effort to Minimize Foreclosures (Update4) (Bloomberg)
  Nov. 11 (Bloomberg) -- Fannie Mae and Freddie Mac , the largest U.S. mortgage-finance companies, will accelerate anti- foreclosure efforts by streamlining loan modifications to lower monthly payments for more struggling homeowners.



• It's time to think about refinancing that high-rate mortgage (The Record)
  Many Americans affected by the economic crisis want their unaffordable mortgages reworked through special programs for people facing foreclosure. But you don't have to be in financial trouble to benefit from mortgage refinance, real estate experts say.



• Munich Musings (GoldSeek.com)
  THE PRICE OF GOLD dropped $10 an ounce in the first-half of London trade on Wednesday, sliding to a 6-session low as Asian stock markets closed down for the day and European equities gave back an early 1% gain.



• CBS 6 Answers Team responds to your questions! (WRGB Albany)
  Thanks to everyone who logged on to our first-ever CBS 6 Answers Team live web chat! Our team of local finance, mortgage, credit and job experts were happy to help answer your questions. Stay tuned for more from our Answers Team in the coming weeks.

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• Ace Mortgage Funding, Inc.
  Mortgage company offering hundreds of lender programs in most states. Options include no-money-down purchases and 125% second mortgages.



• IndyMac Bank - Home Lending
  Licensing | Terms of Use | Privacy | ID Notice | Security. Get a personalized mortgage solution:800-INDYMAC Click For Call ... Rate your credit: ...



• Mortgage Licensing
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• Home Loan Rate
  ... package and to encourage administrators to purchase homes in the local area. ... Refinance Mortgage Home Loans California Florida Mortgage Rates Downs Financial ...



• LEI Financial
  Offers competitive mortgage rates for San Diego residents.



• State Licensing - HomeLoanCenter.com
  Mortgage Banker and Mortgage Broker License No. 11440. California ... Loans: Mortgage Refinance | Home Equity Loans | Home Loan | Adjustable Rate Mortgage ...