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Fifth Third Bancorp 4th-quarter earnings edge down
http://www.islandpacket.com/2014/01/23/2907606/fifth-third-4q-earnings-edge-lower.html
Fifth Third said overall credit trends were favorable, with fourth-quarter net charge-offs of bad loans at $148 million, down from $109 million in the third quarter and virtually flat with $147 million in the prior-year quarter. Kevin T. Shannon

CFPB Directors Cordray's Prepared Remarks on Housing Market Reform
http://www.loansafe.org/cfpb-directors-cordrays-prepared-remarks-housing
Bad products can upend whole neighborhoods as well as individual households. You can tell me better The list is long, so bear with me – we take complaints about mortgages, credit cards, bank accounts, student loans, auto loans, credit reporting

Indiana police chief accidentally shoots himself
http://www.stltoday.com/news/national/indiana-police-chief-accidentally-shoots-himself/article_d860fafd-44c1-5688-8d5c-4fbd38fa911f.html
In the complicated relationship between the Obama administration and the Catholic Church, the White House sees the popular new pontiff and his emphasis on the plight of the poor as a form of moral validation of the president's economic agenda

Low delinquency rates prove mortgage lending's too tight
http://www.inman.com/2014/01/17/low-delinquency-rates-prove-mortgage-lendings-too-tight/
Low delinquency rates prove mortgage lending's too tight For the last dozen years we have quarreled about how to calibrate underwriting of mortgages. A hysterical mob still imagines bubbles around Too many defaults means that underwriting was too easy (although a flow of really bad credit will defer the

Commercial Mortgage Loans in LAFAYETTE, INDIANA

www.lendinguniverse.com Find and compare hundreds commercial mortgage loans in LAFAYETTE, INDIANA. LendingUniverse - Real Estate Brokers ...

Who needs democracy when you have data?

In 1955, science fiction writer Isaac Asimov published a short story about an experiment in “electronic democracy,” in which a single citizen, selected to represent an entire population, responded to questions generated by a computer named Multivac. The machine took this data and calculated the results of an election that therefore never needed to happen. Asimov’s story was set in Bloomington, Indiana, but today an approximation of Multivac is being built in China.

For any authoritarian regime, “there is a basic problem for the center of figuring out what’s going on at lower levels and across society,” says Deborah Seligsohn, a political scientist and China expert at Villanova University in Philadelphia. How do you effectively govern a country that’s home to one in five people on the planet, with an increasingly complex economy and society, if you don’t allow public debate, civil activism, and electoral feedback? How do you gather enough information to actually make decisions? And how does a government that doesn’t invite its citizens to participate still engender trust and bend public behavior without putting police on every doorstep?

This couple bought a house without ever seeing it in person, and it's becoming a new normal in America

Zina Kumok and Sam Leffers knew they wanted to be homeowners. The married couple also knew they were up against the clock and fierce competition. So when a charming, three-bedroom brick home in Indianapolis hit their inbox on a Friday in late May, they jumped into action and put in an offer — sight unseen.

Kumok, 29, and Leffers, 30, are self-employed freelance writers who run the personal finance blog “Conscious Coins.” Today, they are relishing their newfound freedom as homeowners.

In this Q&A, Kumok shares lessons they learned buying their first place.

Taking the plunge, finding a mortgage

What motivated you to make the jump from renting to homeownership?
Kumok: We were living in Denver paying $1,525 a month for rent. We realized that buying a home would be cheaper and we’d build equity. I went to Indiana University, and we have a lot of friends who live in Indianapolis so we decided to relocate there. We were tired of renting. Now we have no downstairs neighbors and no landlord telling us we can’t do something. It’s a good feeling.

I need a bad credit mortgage lender (Indiana)?

My husband and I want to purchase a home that the asking price is $16k. We have a down payment, and make substantial income, and he is a USMC military vet.


no, you need GOOD lenders.