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Detailed text transcripts for TV channel - CNN - 20120107:21:34:00

besides a bank perhaps not making a profit off a home that is under $75,000 or at least market value, what are some of the other reasons as to why a bank will say, no, we re not going to go for this? three things. owner occupants who are attracted to these inexpensive bargain homes tend to also have credit problems and they don t tend to have much in the way of savings. that makes it difficult for them to get approved, even for a very small loan because we have stricter underwriting guidelines as a result of the housing meltdown. in addition, a lot of these homes need repairs. it s not unusual that these are bank-owned homes. the people that left them may have left them in poor condition or they may have been vandalized. so a bank doesn t want to say, i don t want to help you finance for you a fixer-upper. exactly. the house has to be in almost perfect condition. then you run into an appraisal problem. appraisers see, this kitchen s been damaged, that s going to ....

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CNNW CNN Newsroom January 7, 2012



facebook, when i saw that picture. and colombia is right there to the side, where you are shows up on facebook. and it had colombia there. so i started looking it up. reporter: is this a colombian newspaper? no, facebook. facebook, on the computer. but i had a detective to check it for me. it wasn t her regular detective. it s the one that came to the shop and they checked it. and she was in colombia. i knew it all the time. but i just wanted to prove to other people that she was there. the teenager s family says they intend to sue the u.s. government agencies that mistakenly deported her to south america. iranian officials say the u.s. navy did a humanitarian act by rescuing 13 iranian sailors from pirates in the arabe ban sea. troops responded to a distress call from an iranian fishing vessel on thursday. they captured 15 pirates. the american naval men did and most of them, somalis. and freed the iranians being held captive. one year ago tomorrow, a deadl ....

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Detailed text transcripts for TV channel - FOXNEWS - 20111109:12:45:00

Knows your name. same thing is true with your local community bank. t.d. bank always says hello to me when i walk in. they don t my name. they have a person just to say hello. then they have the change counter that s fantastic. which the kids can go to. we have e-mail for you this morning. mark from idaho writes, dave, we are trying to get a mortgage through a big bank. we are debt free and therefore, don t have much of a credit history. we clearly qualify for the loan. do you think it s worthwhile to try a credit union in our hometown instead? well, absolutely. or again, your small town community bank. your regional bank because they re going to actually look at you not just as a number called a fico score, they can do what s called manual underwriting. if they choose to keep the loan, that s called portfolioing the loan, they can write the loan however they want to write it. if they re going to sell it, they have to write it to those underwriting guidelines regardless of th ....

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CNNW Your Bottom Line October 29, 2011



homeowners to refinance high-interest mortgages at these rock-bottom interest rates. who qualifies? homeowners who have mortgages backed by fannie mae and freddie mac. you must be current on your payments. and you ll now be able to refinance no matter how much you are under water on that home. this lifts a previous limit of 125% loan-to-home value ratio. the program also aims to streamline the refinancing process, please, and reduce and eliminate fees. i m joined now by lynnette cox, bob molten and rick newman is the chief business correspondent for u.s. news & world report. the white house says this could mean cheaper mortgage payments. some say as much as 1.7 million. it probably in practical terms will help a fraction of that. maybe 20%, 30% or so. if you look at the previous efforts, that s sort of the range, you know. we have high hopes and we want it to be able to help more, but frankly, even if it does help 1 million, we ve got more than 5 million people who ....

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Detailed text transcripts for TV channel - KGO - 20100818:10:16:00

In real estate. values are, i believe, still going down. or could continue to go down. there s a lot of homes on the market. there s foreclosures. and it s scary. so i just think the key to everything is just to be educated, take a class, read a book, do something. reporter: if your credit s not the best, tips on fixing that too. keep what you owe on a credit card below 50% of your high credit available. in other words, if you have a visa card that has a high credit of $5,000, you can borrow up to $5,000, never go above 2,500. reporter: some question why banks who took taxpayer money in the bailout are now slow to lend that money to people who need it. michael moscowitz says banks are getting back to traditional standards. there s a lot of concerns about real estate values still going down. i think that s one of the main factors that drives the underwriting guidelines. reporter: brian and suzanne are expecting their first baby. they got into that new home just in time. ....

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