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New Loan Safeguards Leave Path for Higher-Risk Borrowers
http://www.bloomberg.com/news/2014-01-22/new-loan-safeguards-leave-path-for-higher-risk-borrowers.html
Now, as regulators tighten mortgage rules and big banks resist lending to riskier middle-income Americans, HFAs across the U.S. are rapidly expanding to restore the fading dream of homeownership. The state agencies got a boost from the Consumer

Presidential fraud
http://www.sddt.com/news/article.cfm?SourceCode=20140123tde&_t=Presidential+fraud
But it was saved in a $1 deal that gave ownership to the Central California Music Association, which made plans to ship the structure about 40 miles northeast to Prather. The move on Wednesday is a big step in A government statement said the

Should you consider a hybrid loan?
http://www.charlotteobserver.com/2014/01/17/4617113/should-you-consider-a-hybrid.html
Jeff Lipes, a lender in the Hartford, Conn., area and former president of the Connecticut Mortgage Bankers Association, believes that hybrids with fixed rates for between five and 10 years “are fantastic options for borrowers” in 2014, and can lock in

A hybrid in your housing future?
http://seattletimes.com/html/businesstechnology/2022564067_bizharney05xml.html
A hybrid in your housing future? Jeff Lipes, a lender in the Hartford, Conn., area and former president of the Connecticut Mortgage Bankers Association, believes hybrids with fixed rates for between five and 10 years “are fantastic options for borrowers” in 2014, and can lock in rates

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Change Ups: Hauenstein exhibition opens in July

A new exhibit, “Ralph W. Hauenstein: A Life of Leadership,” opens July 21 and runs through January 2019 at the Grand Rapids Public Museum. Interactives will allow visitors to test out writing a headline for the newspaper on an antique typewriter and try their hand at cracking a secret code. Hauenstein was a leader in the West Michigan community, remembered for his role as a journalist, military and intelligence service, dedication to the Catholic faith, and his entrepreneurship and philanthropy in Grand Rapids.

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Allison McKenna joined Kalamazoo-based LKF Marketing as a graphic designer.

ARTS

Kent Sparks was appointed a commissioner to the Board of Library Commissioners of the Grand Rapids Public Library .

Thinking of selling your house? 5 proven ways to increase home value

2. Make it low-maintenance

Since many home buyers worry about buying a home that will need constant maintenance, replacing a major component before putting it up for sale — like the furnace, water heater or even the roof — may calm fears of an emergency repair in the near future and help get you a higher price.

Improvements that make things easy to clean and maintain may also increase home value. Consider replacing easily stained carpet with hardwood floors or replace high-maintenance wood siding with vinyl siding.

» MORE:  7 ways to pay for emergency home repairs

3. Make it more efficient

Energy conservation features can have a significant impact on home value, depending on what area of the country you’re in, Joanne Theunissen, chair of the National Association of Home Builders Remodelers, said in an email. Energy-efficient mortgages (EEMs) allow borrowers to take on additional debt to cover both the purchase of the home as well as energy-efficient upgrades. EEMs can also offer lower mortgage rates to increase purchasing power, according to Energy.gov.