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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
. 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
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 ...
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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People in Arizona may soon have to give up their DNA for a statewide database

Any DNA in the database could be accessed and used by law enforcement in a criminal investigation. It could also be shared with other government agencies across the country for licensing, death registration, to identify a missing person or to determine someone’s real name.

It could also be provided to someone conducting “legitimate research.”

A $250 fee could be collected from a person who submits biological samples, according to the bill. It’s not clear who would foot the cost for the dead.

No other state does this

No other state has anything this expansive in place, according to David Kaye, an associate dean for research at Penn State University who studies genetics and its application in law.

Kaye said the proposed bill is one step away from requiring DNA from anyone who wants a driver’s license.

Currently in Arizona, DNA is collected from anyone convicted of a felony or of a misdemeanor sex crime. If passed, the bill would expand the current database exponentially.

AZ might create state DNA database that would be mandatory for some

A database with individual’s DNA, name, date of birth, address, and Social Security number would be kept by the Department of Public Safety.

The DNA within the database would be available for use by law enforcement, government agencies, or researchers.

There is also the chance that those who submit their DNA samples could be required to pay a $250 fee.

David Kaye, an associate dean for research at Penn State University who studies genetics and its application in law said this is the first state to take such an approach and warns that this proposed bill is very close to requiring DNA to get a driver’s license.

The current law in Arizona only requires DNA from those found guilty of a felony or a misdemeanor sex crime.

Kaye believes if the bill passes that it won’t be successful because it is not focusing on the correct group to obtain DNA from.

“It doesn’t seem like solving crimes is a big priority here. It’s not focusing on the people most likely to be linked to crimes, it’s just spreading the net more broadly,” Kaye said.