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New mortgage regulations make it tougher to secure a home loan.
http://www.kvoa.com/news/new-mortgage-regulations-make-it-tougher-to-secure-a-home-loan-/
Randy Hotchkiss of the Southern Arizona Mortgage Lenders Association says before the real estate bubble burst it was pretty easy for people to get a loan for a home they couldn't really afford. "The put very little down, zero equity, the value now has

Switzerland doubles mortgage-risk buffer for banks
http://azdailysun.com/business/switzerland-doubles-mortgage-risk-buffer-for-banks/article_3d50e3fd-2cf5-525f-a0fb-1ef457ee0842.html
. Saved. Save Article; My Saved The Swiss Bankers Association said it's disappointed by the decision saying the capital cushion isn't an effective way of controlling property prices. Copyright 2014

US home sales edged up 1 percent in December
http://azdailysun.com/business/us-home-sales-edged-up-percent-in-december/article_141a547b-ec56-56f5-bf0a-df27ad55379f.html
Yun expects sales will remain around the 2013 level of 5.09 million in 2014 as such factors as tighter mortgage lending standards and limited inventories impede further progress in the housing market. But other forecasters are more optimistic. Patrick

Starwood Property Trust, Inc. (STWD): Starwood Spin-Off Deadline Spurs Single ...
http://seekingalpha.com/article/1959531-starwood-spin-off-deadline-spurs-single-family-housing-opportunity?source=feed
Management has expansion plans in place to pursue property acquisitions in seven additional states through 2014, including Arizona, California, Colorado, Georgia, Illinois, Nevada and North Carolina. As of November 30, 2013, the business had contracted

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10 years later: How the housing market has changed since the crash

Now that a decade has passed, industry insiders look back at where we were, what we learned and where we go from here to ensure that the trauma of the housing boom-and-bust and the Great Recession are not repeated.

Today’s home buyers are in different world:

[ The new mortgage rules that are likely to affect your next home purchase ]

• The pre-crash loan products are mostly gone. You can choose between a fixed-rate loan or an ARM that meets “Qualified Mortgage” (QM) standards established by the Consumer Financial Protection Bureau (CFPB). That ARM will have caps so the interest rate can’t jump too high too quickly — and you’ll have to qualify based on the worst-case scenario of the highest possible mortgage rate.

• You’ll also need to fully document everything and make a down payment of at least three or 3.5 percent with most loan programs.

• If your credit score is less than 620, you’re not likely to qualify for a loan at all and unless your score is 760 or above, you’ll pay a little extra in interest on a conventional loan.