HOME& Northfield News
C real estate Stimulus bill hopes to heat up housing
Northfield News Saturday-Sunday November 8-9, 2008
The Housing and Economic Recovery Act aims to boost efforts to get the market back on track By david silva CTW Features As the dismal cycle of declining home values, defaulted mortgages and foreclosures shows no sign of letting up for at least another year, some experts are hailing housing stimulus package as a good first step toward recovery. President Bush signed the Housing and Economic Recovery Act of 2008 into law July 30. The sweeping legislation is aimed at tackling the crisis on two fronts: staunching the flow of red ink by stabilizing the housing and mortgage markets, and nursing the markets back to health on a diet of federal largesse. The stimulus package permanently raises the cap on the size of government-sponsored and Federal Housing Administration loans from 95 percent of the area median home price to 115 percent, setting the conforming loan limit at $625,000 effective Jan. 1. The move, lauded by the National Association of Realtors, should enable more first-time homebuyers in higher priced areas like California and New York to enter the market.
The bill also seeks to stimulate home buying by offering first-time homebuyers - considered the first link in the housing industry chain - a “tax credit” of 10 percent of the purchase price of the home, not to exceed $7,500. The credit, however, is loaded with fine print: It’s actually an interest-free loan, requiring repayment over 15 years in equal installments. It phases out for people whose gross income
exceeds $70,000, and it’s available only until July 1. A new “Hope for Homeowners” program, administered by the Housing and Urban Development secretary, provides $300 billion to help homeowners with upside-down mortgages refinance sub-prime mortgages through the FHA. New loans will be based on a family’s ability to repay the loan. The program is voluntary, meaning it’s up
to the original lender to decide whether writing down the loan to no more than 90 percent of the home’s current value makes sense. Borrowers are required to share any new equity and appreciation with the FHA, and pay for FHA insurance. “There’s going to be winners and losers here,” says Daria Daniel, associate legislative director for the National Association of Counties, which pro-
vides advocacy services for America’s 3,066 counties. “We’re very happy about the passage of this legislation, particularly with the $3.9-billion provision for the Community Development Block Grant program, which a lot of governments use to finance the purchase of properties to revitalize in order to stabilize neighborhoods.” Under the bill, the $3.9 billion - nearly the double
the amount previously allocated for community block grants - will be channeled to areas based on state and local foreclosure rates and number of homes financed by subprime mortgage loans. The funds are aimed at helping local governments buy and rehabilitate foreclosed homes. The package includes an additional $100 million for housing counseling programs. Beth Ann Bovino, a senior economist with Standard and Poor’s, stressed that it’s still too soon to tell if the package is having its desired effect but noted that recent housing numbers show some improvement, if very slight. “One piece of good news is sales of existing and new homes are slightly better than expected,” she says. “Existing home sales, which make up a big chuck of the housing market, saw about a 3.1 percent jump. That’s a 5-million unit pace, when we had expected about 4.9. Any good news there is better. “But we don’t think we’re out of the woods yet,” she adds. “A lot of damage has been done in housing starts, and I think it’s probably going to bottom out in late 2009 at the 900,000 level before slowly moving upward. We’re starting to see home prices fall, and in a sense that will be some encouragement for buyers to get out there and start nibbling.” (c) CTW Features
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www.northfieldnews.com Saturday-Sunday, November 8-9, 2008
Dry your firewood properly for best burning 8 Yard Notes Leif Knecht
Guest Columnist As some of the last tree leaves flutter to the ground, preparation of the landscape for winter enters its final phases of cleanup, late season planting, mulching and some pruning. Even as squirrels scurry to store some of the last available nuts and seeds for winter
use, people are tidying up their yards, and stacking up firewood to warm homes and hearts. When it comes to firewood, whether for heating or for recreational fireplace use, think dry, drier and driest. There are no winners when inadequately dried wood is burned in firepits, furnaces, and fireplaces. In outdoor firepits, wood that is too full of moisture burns poorly, causing billowing clouds of unpleasant acrid smoke for people to dodge. In wood furnaces, wood with high moisture content wastes lots of heat value that the wood could
be delivering if it were dry, and causes far more dangerous creosote to collect in the chimney. This could lead to chimney fires which are one for the leading causes of devastating house fires. In recreational indoor fireplaces, wood that has not been dried properly is hard to light, hard to keep going, and also causes rapid creosote buildup in the chimney. With these difficulties, it is just plain hard to enjoy the use of the fireplace. If very nice and dry wood is used, the experience becomes enjoyable and relaxing, which is the whole point of having a fire to begin with.
A glowing fire helps us reconnect to nature, and our ancestral past, and much of what it means to be fully human. While fire can be dangerous, for most of human history a good fire has provided warmth, good food, security and a social center. In the information age we can easily lose track of how our humanity is still so very closely tied to the wellbeing of the natural world from which the first human beings emerged. No matter how techno-savvy you are, there are few satisfactions deeper than a quiet evening spent in good conversation
watching a nice fire change to glowing coals and finally fading embers. It’s unlikely that you will experience these kinds of deeply enriching moments if the fire you built is gasping, fuming, sputtering, spitting, and smoking you out of the place. The solution is readily very simple. Burn dry wood. It is best to work 2 to 3 years ahead cutting, splitting and stacking wood to dry in a sunny, windy area. Use or buy only firewood that is from a Minnesota source. Due to the threat of spreading Emerald Ash Borer in firewood from
sources outside the state, it is now illegal to buy or sell firewood unless it originally comes from within the state of Minnesota. It’s also good to ask a few questions about how the firewood was dried and for how long. If it has just been placed in a big pile, many pieces of wood on the interior of the pile may not be as dry as those on the outside of the pile. When you’ve got some nice dry wood, it’s time to head to the grocery store for marshmallows, chocolate bars and graham crackers. S’mores rule!
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backyard I could see that it had lots of potential. The living room and kitchen faced the patio and I could see it as a wonderful extension of the interior, and a pleasing natural focal point. The patio was covered with rickety decking that needed to be replaced or repaired. I suggested that she research options for replacing it and she decided to install interlocking pavers - a fantastic investment that gave her a huge bang for her buck. A built-in bench area (to the right, out of view) butted up against an open area that housed a tangle of pipes and wires. I happened to have a 4-by-8-foot section of trellis that I didn’t need
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• I returned after all the work was done to stage the backyard. Boy, what a blank space! We needed to fill it with something that suggested a use for potential buyers and conjured feelings of comfort, enjoyment and companionship. • The patio needed some living things and some color. The yard was paved to the fence, so there was no place to plant anything in the ground. We’d have to bring in some pots.
• I happened to have some outdoor furniture that I had planned to sell at a garage sale, which I was able to lend my client while she had her home on the market. The simple table and chairs filled the space but didn’t dominate it. The arrangement showed how you might use the space and conveyed a feeling of conviviality. The section of trellis I brought fit perfectly over the piping (still our of view). Covering that eyesore drew attention away from it and brought more attention to the seating area. •Since we couldn’t plant anything in the ground, I brought some colorful pots, positioned them so you could see them from the living room, and jammed them with blooming seasonal color. Since my client would need to water them while the house was on the
market, I lent her my bright red watering can. She had a nice basket that I filled with lemons from my tree and placed on the table. I found a colorful Scandinavian disk amongst her artwork and we hung it over the table for even more color. Challenge met! We were able create a colorful focal point and extend the living room with just a few simple props. But my client was only able to enjoy her revamped space for a few days because her condo sold immediately! (c) CTW Features Kit Davey, an interior designer based in Redwood City, Calif., helps clients redecorate their homes through the creative use of their existing furnishings. Send your design questions to kit@ctwfeatures.com
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My client had lived in her spacious, multi-level condo for many years. She decided to sell and move to a singlelevel home in a nearby town. As an artist living alone, she had set up her home to suit her own creative needs and lifestyle. She had converted her master suite into a weaving studio, while one of the smaller bedrooms served as her sleeping quarters,
and the remaining bedroom was a snug home office. She rarely spent time out in her tiny backyard, and it suffered from neglect. Since she had tailored her home to her own needs, she knew that she’d have to make some changes in order for it appeal to potential buyers. She called me in to give her a plan to get her home in tip-top shape. Our home improvement list included repainting, repairs, re-establishing the master suite as a bedroom, simplifying the guest bedroom and home office, judicious use of her beautiful accessories and revamping her patio. When I first visited her
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Saturday-Sunday, November 8-9, 2008
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Ask Our Broker: Answering your real estate questions By Peter G. Miller CTW Features Q: What’s the difference between “resetting” and “recasting?” A: Let’s say that you have an adjustable-rate mortgage where the payment is changed annually. The index used to set the rate has gone up so at the end of the year the monthly payment will be adjusted -- that’s a resetting. Recasting is different. Typically ARMs are recast every five years, meaning that the payment is adjusted so that at current rates the loan will be paid off by the end of the loan term, say the remaining 25 or 20 years. The annual payment Miller cap, usually 7.5 percent, does not apply when a loan is recast. There is also another type of recasting. When monthly ARM payments are not sufficient to pay even the monthly interest cost, any unpaid interest is added to the
mortgage balance. This is a process called negative amortization. The catch is that ARMs agreement say that if the outstanding loan balance reaches a certain point, say 110 percent or 115 percent of the original mortgage amount, then the loan must be immediately recast. Example: Someone has an “option ARM” and only makes the minimum monthly payment. Each month the debt increases. According to a September study by Fitch Ratings, “the potential average payment increase on this recasting population is 63%, representing on average an additional $1,053 due each month on top of the current average payment of $1,672.” (See: “Option ARMs, It’s Later Than It Seems”) Why is the payment increase so steep with option ARM recasting? Three reasons. First, the loan term is no longer 30 years, it’s now something less. Second, the loan amount is at least 10 percent larger than the original debt. Third, the new interest rate may be significantly higher than the starter rate. How quickly can option ARMs be recast? According to Fitch, a
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Q: We keep hearing about lenders who are now in trouble because of toxic mortgages. Didn’t these lenders have insurance? What’s happened to the mortgage insurance companies, the firms that provided such coverage? A: In the usual case private mortgage insurance is required when borrowers purchase homes with less than 20 percent down. Figures from the Mortgage Insurance Companies of America, the industry trade group, show that mortgage insurers had operating profits of roughly $2.2 billion in 2005 and 2006 -- but operating losses of $1.45 billion in 2007. While the 2007 losses were significant, and while additional losses are likely, the industry also has substantial assets. In 2007 the MI industry reported that it had “ad-
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mitted assets” of $22 billion, $6 billion in loss reserves, $11.1 billion in contingency reserves and $595 million in unearned reserve premiums. As of July the industry had in force policies worth more than $800 billion. (“Admitted assets” are assets that regulators allow insurance companies to count when calculating their worth. The definition for “admitted assets” is more restrictive than the meaning of “assets” under general accounting rules, according to MICA spokesman Jeff Lubar.) While the MI industry has been paying claims, toxic mortgages are often uninsured by such companies. For instance, many borrowers purchased real estate with “piggy-back” financing to avoid mortgage insurance costs. In such arrangements there is a first loan equal to 75 percent or 80 percent of the purchase price and a second loan for some or all of the rest. Since the first loan is less than 80 percent of the purchase price no mortgage insurance is required. Of course, where there is no insurance there is no insurance coverage for lenders if borrowers stop paying.
Q: When will our local market return to normal? A: The market cannot return to a place it’s never been. There is no such thing as a “normal” long-term, real-estate market. There may be averages, there may be memories of good times and bad, but markets are always in flux. In July 2008, the typical existing home sold for $212,400 according to the National Association of Realtors. Is that a lot or a little? Is that normal? A year earlier that same house sold for $228,600. What will the typical house sell for in a year or two? No one knows, but at the time of the sale you can bet that the price of the moment will be “normal” -- at least until the next transaction. Need real estate advice? Peter G. Miller, author of “The Common-Sense Mortgage,” would like to hear from you. Send your questions to peter@ctwfeatures. com. Due to the volume received, not all letters may be answered.
The New York Times Crossword Puzzle WEB MASTER
700 Green Meadow Ct.
Unit #126 #141 #108 #100
borrower with a 40-year option ARM who makes only minimum payments can face recasting in as little as 28 months. What do we call an option-ARM borrower with a loan that quickly recasts? In too many cases, the answer is: foreclosed.
BY ELIZABETH C. GORSKI Edited by Will Shortz
A c r o ss 1 Precipitate 7 Amplifier jack letters 10 Liveliness 16 “Sort of” ending 19 Full assembly 20 Nabokov heroine 21 Falafel sandwich sauce 22 Never, in Nürnberg 23 They work on Steinways 24 Where you might see 115-Across 27 They’re hidden in a Hirschfeld sketch 28 Others, in Latin 29 Tie followers, briefly 30 Rubber that meets the road 31 Coffee order 34 Deceive 36 Consumers 38 Pumpkin bombthrowing enemy of 115-Across, with “the” 40 Scottish cattle breed 42 “Show me!” 43 Gibson’s “Ransom” co-star 44 Prominent stars in constellations 49 What’s more 50 Food writer Rombauer and others 52 Related to base eight 56 Royals abroad, maybe 58 “___ see” 60 Go (for) 61 Bandleader Puente 62 Scratch cause 65 Leaves behind 68 “London Fields” author 69 Taliban leader 70 Way overseas 71 French goose 72 Mess up 73 Plant with tendrils 74 Selfish cry before and after “all” 75 Sight from the Bering Sea 77 Astrologers’ work 79 Geraint’s beloved 80 Vintage wheels 81 System of beliefs 83 Baby carrier brand 84 Dress lines 86 Singer Lauper 88 Legal org. 91 Plus 92 Loathing
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D o w n 1 10-G, e.g.: Abbr. 2 Laundry whitener 3 Actor Jeremy of “North Country” 4 Nervousness 5 Run down 6 Some intellectual property: Abbr. 7 Chewy cookie 8 Immunity ___ on “Survivor” 9 Monet painting also known as “The Woman in the Green Dress” 10 And more: Abbr.
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11 Wooden shoe 12 115-Across’s day job 13 They run through South America 14 Publicity 15 Peculiarity 16 Visible 17 California’s High ___ 18 Joan of Arc’s crime 25 Visual presentation of what gave 115-Across special powers 26 Tentacled enemy of 115-Across 32 Economics fig. 33 Indian fort locale 35 ___’acte 36 High ways? 37 To boot 39 Drawers in a laundry room 41 Hardly luxurious 44 Looks good on 45 Assay 46 Largest moon of Uranus 47 Film star who played 26-Down 48 Quattro + due 51 Comfy shoe 53 Stopwatch info 54 All excited 55 Goes ballistic 57 Company leaders: Abbr. 59 Bouquet 63 Mohawk, for one 64 Film star who played 115-Across
66 White-glove affairs 67 Sp. matrons 76 Big time? 78 Modern test subj. 82 “Scenes From a ___” (Woody Allen film) 85 Home of Rapid City: Abbr. 87 Setting of the painting “Washington Crossing the Delaware” 89 Natural sweetener 90 “Don’t look ___ that way!” 93 Suffix with glass 95 Dim perception 96 Old campus grp. 97 Let up 98 Stake attachment, maybe 99 Takes in, say 101 Small program 102 Girl’s name meaning “happy” 103 Person with a public address 104 Swindle 107 Young business partner? 109 Beginnings 111 Book before Daniel: Abbr. 113 Water brand 116 Intersected 117 Glamorous Gardner 118 Sticky stuff 119 Abbr. in a real estate ad