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mortgagebrokerplanotx · 5 years

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Jobless claims fall but spike in energy sector claims signals problems

Contents

Claims signal tight labour market

National.servicers embrace digital

Mac chief economist sam khater

Signal higher production

Liquidation rates shrink

Prime jumbo residential

Jobless claims fall but spike in energy sector claims signals problems Trey Garrison was a Senior Financial Reporter for HousingWire.com. His body of works are his views and his views alone. Jobless Claims Spike As Government Shutdown Cripples Thousands Of Contractor Jobs.. about 15,000 jobless claims came from government contractors who were.

Initial Jobless Claims Jump Most In 8 Months As Energy Sector Layoffs Spike Back To 6-Month Highs.. (for the 10th time this year) that the worst was over in the US energy space, Challenger Grey reports a massive spike in Energy sector layoffs – to six-month highs.

Citigroup reveals battle plan to grow correspondent division And the 9/11 conspiracy hypotheses distract from the growing chain of evidence documenting how the. As our editorial team maps our plan for how to cover the 2020 Democratic primary, we want to hear.

The S&P 500 (^GSPC) fell 0.15%, or 4.12 points, as of market close, with the energy. claims to come in at 225,000. Continuing jobless claims, however, were lighter-than-expected at 1.631 million.

NEW YORK(CNNMoney. bad news from the weekly jobless claims data, but now we’re starting to see a broad-based economic slump." Late in the trading session, the slide in stocks got steeper as.

Despite the big drop, the four-week average of jobless claims rose slightly to 368,000. Jobless claims figures have been especially volatile over the past month, with last week’s revised figure of.

The Labor Department said jobless claims fell 1,000 to a seasonally-adjusted 222,000 for the week ending June 2, beating the median forecast. The 4-week moving average gained to 225,500, an.

The number of Americans filing for unemployment benefits has been less than estimated and near a four-decade low, indicating the job market remains tight. Below-forecast US jobless claims signal tight labour market | Fin24

FHFA: Mortgage rates continue to climb Housing market to hit bottom this year: former RealtyTrac exec GARFIELD HEIGHTS, Ohio (Reuters) – Half a decade into the deepest U.S. housing. this year, combined with excess inventory of unsold, bank-owned homes will contribute to a 3.7 percent national.servicers embrace digital empowerment to boost customer retention Tavant Technologies opens new office with hundreds of jobs to fill Is your mortgage business safer now than before the crash? This mortgage goes further than. epic crash? "In the short run, over the next half decade to decade, it’s going to be extremely unlikely, virtually impossible for that to happen because all the."It is important to differentiate ourselves with a luxury offering befitting the location, architecture, views, technology. Other new office towers that have opened over the past couple of years.Collingwood Group Chairman calls out ‘regulatory Jihad’ on mortgage lenders It would allow them to originate loans without a license following a credit and background check. The reason for this bill is to allow independent mortgage bankers to recruit employees to make them.Freddie mac chief economist sam khater said the housing market hit some speed bumps this summer, as pricy homes and mortgage rates continue to hinder prospective. and the U.S. economy are expected.

The hints from producers from first quarter earnings calls is that oil breaching $70 will signal higher production down the road. I can see caution on prices rising, but to continue to call for.

Once this number turns negative, the yield curve has inverted, which almost always signals. to spike above $9,000 before slipping back a bit, what with the excitement of escaping “crypto-winter”.

JPMorgan’s Dimon threatens to quit FHA loans Which celebrity owned the top home in 2015? Celebrity-Owned Homes Languish on the Market, Too – The golden rule of real estate is almost universally touted as “location, location, location,” but most agents we spoke with told us that price is the real culprit when a property – celebrity. of a.In February, JPMorgan Chase agreed to a $614 million pact with federal. of Veterans Affairs, which insure mortgages made by lenders. The bulk of the settlement, $564.6 million, went to the F.H.A.. Huawei Ban Threatens Wireless Service in Rural Areas. Not that it matters much to Jamie Dimon. Flag; 1.Nomura: Non-performing loan sales hit post-crisis high, and they’re not going away liquidation rates shrink, despite rise in short sales: Morningstar Wall Street’s short-term obsession with the retail apocalypse and. Full Year 2018 SS NOI guidance: +2.25% (despite Toys "R" Us liquidation drag of as much as 0.8%) In Q2 2018, Kimco’s fundamental. On average, short-term rates rose 5.7 percentage points. The smallest increase was 2.9 percentage points.Fitch: Prime jumbo RMBS on pace for best year since crisis A strong 2nd quarter has 2015 on pace to be the best year for prime jumbo residential mortgage-backed securitization issuance rmbs issuance since the financial crisis, according to a new report.Nomura: Non-performing loan sales hit post-crisis high, and they’re not going away Contents Helped push residential prices Housing price declines Market analysis abramowitz 35 Intelligence unit (eiu) fannie mae announces home price projections high-tech, low-effort loans for online shoppers.

The raw claims data – the actual number of people who applied for benefits – appears to tell the story in New York state. Claims soared 79% to 33,159. By contrast, new claims rose by only.

How expertise-on-demand can improve quality control for servicers JULIANA AGBO examines the role of the new methods on Seed Certification and Quality control Assurance introduced. irrigation can improve crop production beyond the limit set by seed..

Initial jobless claims fell last week to a 48-year low. First-time filings for unemployment benefits totaled 210,000, the lowest level since December 1969, data from the Department of Labor showed.

Pending Home Sales Paint Problematic Housing Picture Holding company created to operate existing field services firms A firm is a business organization-such as a corporation, limited liability company (LLC), or partnership-that sells goods or services to make a profit. While most firms have just one location.Blows keep raining down on Ocwen and its affiliates WASHINGTON – The House Financial Services Committee passed 13 bills on Wednesday, including one that would stop Fannie Mae and Freddie Mac from being released by the government and.Housing lays foundation for better investor opportunities Blows keep raining down on Ocwen and its affiliates Mortgage refinances may drop 77% by 2012 "The average.Search real estate property records, houses, condos, land and more on realtor.com. Find property info from the most comprehensive source of home data online.

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nightmare-afton-cosplay · 5 years

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Small Mortgages Are Getting Harder to Come By

Whitney Curtis for The Wall Street Journal

Some low- and middle-income home buyers are having a hard time getting mortgages for an unexpected reason: The loans they’re applying for are too small.

Lenders extended about 106,000 mortgages with balances between $10,000 and $70,000 in the U.S. last year, worth $5.1 billion. That is down 38% from almost 171,000 in 2009, according to figures compiled by Attom Data Solutions, a real-estate data firm. The drop-off at the bottom end of the market has been far swifter than at the top. Origination was down a more modest 26% for mortgages between $70,000 and $150,000, and it rose 65% for mortgages above that range.

Only about a quarter of homes that sold for less than $70,000 were financed with a mortgage, while almost 80% of sales between $70,000 and $150,000 had one, according to an Urban Institute analysis last year. Low-end borrowers had their applications denied at a higher rate than those taking out bigger mortgages even when comparing borrowers with similar credit quality, according to the think tank.

Housing experts say small mortgages have become rarer because lenders have trouble making profits on smaller loans. Lenders typically have a fixed cost to extend a mortgage, and the smaller the loan, the smaller the profits.

“The whole system incentivizes high[-balance] loans,” said Michael Bright, the president of the Structured Finance Industry Group.

Instead, many lenders are catering to more high-end borrowers. Jumbo loans—those too large to sell to government-sponsored guarantors Fannie Mae and Freddie Mac —have been a bright spot for banks. Financial institutions have grown increasingly competitive when trying to attract these customers, in part because they are seen as prime targets for selling additional services.

The dearth of smaller mortgages is becoming an impediment to home buying in regions where prices are otherwise affordable, especially in Midwestern and Southern cities like Chicago, St. Louis, Youngstown, Ohio, and El Paso, Texas, according to local housing advocates and attorneys.

For many home buyers, the difficulty of obtaining small mortgages represents another rung sawed off the ladder to upward mobility.

“Like everything else in our economy, the housing market has become less equitable,” said Julia Gordon, president of the National Community Stabilization Trust, a nonprofit whose work focuses on neighborhoods with low-price homes.

Bertha Elwood went shopping for an $11,000 mortgage in the last few months for her home in Witt, Ill., but two lenders told her the amount she was looking to borrow was too small. One said she had to borrow at least $50,000 and another told her to borrow at least $75,000, according to Ms. Elwood.

“I don’t owe that, and I don’t want to pay that,” she said.

Ms. Elwood needed a mortgage to get out of a contract for deed—a hybrid between renting and buying where the borrower makes a down payment and monthly installments, typically to the seller, but doesn’t get the title or rights of homeownership until the end of the term.

She entered into her contract in 2014 with a relative, who ran into payment difficulties that resulted in his bank beginning foreclosure proceedings last year. Without her own mortgage to buy the property outright, Ms. Elwood believes she may lose the house, despite having paid roughly $30,000 over the last five years.

Chelsea Hubbard, an attorney at Land of Lincoln Legal Aid in Alton, Ill., said she has seen many buyers end up in contracts for deed because other financing options aren’t available. In these contracts, home buyers typically have little recourse if they fall behind on payments before having paid the purchase price in full.

“It just kind of spirals downward if they don’t have access to credit,” she said.

Real-estate agents and buyers say lenders are less willing to help small-loan seekers overcome obstacles such as credit blemishes that tend to complicate applications for traditional loans, and which may be less problematic for buyers of comparable means seeking bigger mortgages.

The Fullers’ previous home in Granite City, Ill., appraised lower than its purchase price, leading a number of lenders to advise the family to cut their losses.

Whitney Curtis for The Wall Street Journal

Two of Ms. Hubbard’s clients, Sarah and Joshua Fuller, entered into a contract for deed on their Granite City, Ill., property in 2015 after they were told that a recent bankruptcy made a traditional mortgage unattainable. By last year, they had improved their finances and wanted to take out a mortgage to replace the contract. The couple approached five banks about a $20,000 mortgage.

They ran into a problem that isn’t unusual with small-dollar mortgages: an appraisal gap. Their property appraised at $27,000, below the $39,000 purchase price. As a result, every lender turned them down.

“A couple of them even said we were better off cutting our losses because no bank would lend to us,” Mrs. Fuller said.

Some properties that are sold below $70,000 need updating or are in neighborhoods without enough comparable homes. Because of that, homes can end up appraising at a lower value than their sale price, which scuttles the deal if the buyer can’t pony up more cash to cover the difference.

Without a loan, the Fullers ended up reluctantly extending their contract for deed. After a series of hardships, they fell behind on their payments and were served with an eviction notice and a lawsuit. Ms. Hubbard was able to get them out of the contract, but with nothing to show for the money they had already put in. They moved in with Mrs. Fuller’s parents on Christmas Eve.

Sarah and Joshua Fuller help their son, Brendan, with a school project. The family moved in with Sarah’s parents on Christmas Eve.

Whitney Curtis for The Wall Street Journal

Sherry Pinkston, who lives in Chicago between the Morgan Park and Beverly neighborhoods, was looking to buy a condo in her building for her daughter a few months ago. But she was denied approval for a $40,000 mortgage.

Ms. Pinkston said the reason she was given for the denial was her credit score, which is in the mid-600s. That is slightly below the average for the Federal Housing Administration-backed loan she was looking for, but not disqualifying. She said she has an annual income of around $72,000.

“I see people making less money than me getting $200,000 loans,” she said.

The post Small Mortgages Are Getting Harder to Come By appeared first on Real Estate News & Insights | realtor.com®.

from https://www.realtor.com/news/real-estate-news/small-mortgages-are-getting-harder-to-come-by/

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lovehardenemycollector · 4 years

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As March winds down, at least 250 million Americans have been told to stay home or “shelter in place” to help stop the spread of COVID-19. Problem is, many can’t help wondering if they can still afford a place to shelter in—if they ever could.Long before the coronavirus pandemic, generous swaths of the United States faced an affordable housing crisis. With millions of Americans losing their jobs and millions more facing unemployment in the near future thanks to a concerted economic shutdown geared at reining in the disease, talk of rent strikes and freezes are in the air.The Trump administration recently nodded to the problem by ordering a foreclosure moratorium on single-family home mortgages backed by the Federal Housing Administration or obtained through government-owned lenders Fannie Mae and Freddie Mac. Fannie and Freddie have also offered forbearance for borrowers experiencing hardship. And the finance giants have dangled payment relief to indebted apartment building owners who grant respite to renters, a move the Federal Housing Finance Agency estimates could affect 43 percent of the market in multifamily leases. Then there’s the $2 trillion stimulus bill that passed last week, which contains language forbidding evictions and late charges on any property receiving virtually any federal aid. It also permits those owing money to Fannie or Freddie to request up to six months of forbearance, though it leaves the onus on borrowers to do so.If your home doesn’t fall under one of these categories or programs, and you’re wondering if you owe money to your landlord or lender, the answer is probably yes—at least for now. Still, some state and local governments have moved to stem evictions and foreclosures for everyone, and a few are even freezing rent and mortgage payments entirely. Here’s a breakdown of COVID-19 rules on housing across every state and many large metropolitan areas. This story will be updated as events warrant.Will the U.S. Run Out of Groceries Under Lockdown?Alabama: No specific government measures to prevent evictions or foreclosures, but local Regions Bank is offering a mortgage payment reprieve and the state Supreme Court has cancelled in-person proceedings until April 16, which may stem new removal proceedings. Individual judges may conduct business via phone or video, however.Alaska: Gov. Mike Dunleavy has forestalled evictions and foreclosures of any tenant or homeowner covered by the Alaska Housing Finance Corporation, while the state Supreme Court has halted eviction hearings until May 1 and barred enforcement of outstanding ejectment orders against quarantined people.Arizona: Gov. Doug Ducey has ordered a 120-day stay on eviction orders against anybody quarantined or experiencing hardship because of COVID-19, starting March 24, and has launched a $5 million rental assistance fund. The state’s “Save Our Home AZ Program” is offering principal reduction assistance, monthly mortgage subsidy assistance, and second lien elimination assistance.Arkansas: No special COVID-19 programs in place as of this writing.California: Gov. Gavin Newsom has ordered a statewide ban on evictions through the end of May, so long as tenants provide notice in writing within one week of their rent coming due that they cannot pay due to the disease. He has also cut a deal with Citigroup, JPMorgan Chase, U.S. Bank, Wells Fargo, and 200 smaller lending institutions to defer mortgage payments for up to 90 days from borrowers who can show they've lost income during the crisis. Bank of America has assented to a 30-day grace period for mortgage payments. The City of Glendale has banned rent increases through at least April 30 (though not rent payments). Philanthropists in San Diego have established a COVID-19 Community Response Fund to provide rent, mortgage, and utility assistance to struggling locals. Colorado: Gov. Jared Polis has issued non-binding guidance to state-chartered banks discouraging foreclosures, and Denver has reassigned deputies away from eviction enforcement.Connecticut: James W. Abrams, Chief Judge for Civil Matters, has issued a stay of all evictions and ejectments through May 1, and postponed all foreclosure sales until June 6.Delaware: The Justice of the Peace Court has postponed all eviction proceedings until after May 1, while Gov. John Carney has put off all residential mortgage foreclosures until 31 days after he lifts his order of emergency. Late fees or excess interest are forbidden.Florida: No state programs in place as of this writing, but the Orange County Sheriff's Office has put off eviction enforcement "until further notice," as have police in Miami-Dade. The latter county has also called off evictions in its public housing.Georgia: No state programs in place as of this writing. But on March 17, Atlanta Mayor Keisha Lance Bottoms issued an executive order imposing an eviction moratorium on the Atlanta Housing Authority, Atlanta Beltline Inc., the Fulton County/City of Atlanta Land Bank Authority, Invest Atlanta, Partners for Home, and the city Department of Grants and Community Development.Hawaii: The Hawaii Department of Public Safety Sheriff Division has indefinitely suspended evictions.Idaho: No state programs in place as of this writing, but Boise public housing has waived rent and ended removals, and a judge has called off eviction hearings in Blaine County.Illinois: Gov. J.B. Pritzker has barred evictions through April 7 by executive order. Courts have ordered longer cessations of evictions, including in Cook County (April 15) and in Peoria, Tazewell, Marshall, Putnam, and Stark Counties (April 17). A court covering Kendall and DeKalb Counties has barred new eviction and foreclosure proceedings for 30 days beginning March 18. Chicago is providing 2,000 residents with $1,000 grants to help cover rent and mortgage payments.Indiana: Gov. Eric Holcomb has decreed an end to evictions or foreclosures until the end of his declared state of emergency.Iowa: Gov. Kim Reynolds has halted foreclosures and evictions for the duration of a declared state of emergency, except in cases involving squatters.Kansas: Gov. Laura Kelly has stayed evictions and foreclosures until May 1.Kentucky: Gov. Andy Beshear signed an executive order March 25 suspending all evictions for the term of a declared emergency, while the Kentucky Supreme Court suspended all evictions until April 10.Louisiana: Gov. John Bel Edwards has halted evictions and foreclosures.Maine: Maine courts are closed for eviction proceedings through May 1.Maryland: Gov. Larry Hogan has forbidden the eviction of any tenant who can demonstrate loss of income related to the crisis.Massachusetts: Trial courts are closed through April 21 under order of the State Supreme Judicial Court, preventing evictions from advancing. Gov. Charlie Baker has announced $5 million in rental assistance, while the mayor of Boston has called off evictions by the city housing authority.Michigan: Gov. Gretchen Whitmer has banned evictions until April 17, and the state Department of Health and Human Services is offering up to $2,000 in emergency assistance to prevent foreclosures.Minnesota: Gov. Tim Walz has suspended evictions and foreclosures during a declared state of emergency.Mississippi: No programs in place as of this writing.Missouri: No state programs in place as of this writing, but evictions are suspended in Jackson County until at least April 18, in Boone and Callaway Counties until April 17, and indefinitely in St. Louis County.Montana: No programs in place as of this writing.Nebraska: Gov. Ed Ricketts’ executive order has postponed all eviction proceedings for anybody impacted by the virus until May 31. The Omaha Housing Authority has called off evictions, while the Metro Omaha Property Owners Association—a landlord group—has requested its members reduce rents by 10 percent in the month of April.Nevada: Gov. Steve Sisolak has blocked all eviction notices, executions, and tenant lockouts via emergency order for the entire length of the pandemic. State Treasurer Zach Conine has announced that lenders have agreed to a 90-day grace period for borrowers, although each mortgagee must reach an individual payment arrangement with their bank.New Hampshire: Gov. Chris Sununu has barred evictions and foreclosures via executive order during the emergency.New Jersey: Gov. Phil Murphy signed an executive order March 19 placing a moratorium on evictions and foreclosures for at least 60 days. On March 28, he instated a 90-day grace period for late mortgage payments, forbidding banks from charging hard-up borrowers late fees or making negative reports on them to credit agencies.New Mexico: The State Supreme Court has indefinitely suspended evictions of tenants who can furnish evidence the crisis has left them unable to pay rent. Albuquerque has suspended evictions for public housing tenants, while Santa Fe has halted removal of those who can prove hardship.New York: Chief Administrative Judge Lawrence K. Marks has suspended all evictions until further notice, while Gov. Andrew Cuomo has ordered banks to waive mortgage payments in hardship cases for 90 days. There is no state policy in place on rent payments, despite the governor’s claim that he “took care” of the issue.North Carolina: State Supreme Court Chief Justice Cheri Beasley on March 13 ordered courts to postpone eviction and foreclosure cases for at least 30 days.North Dakota: The State Supreme Court has placed a hold on all eviction proceedings "until further order.”Ohio: Chief Justice Maureen O'Connor has requested, but not obligated, that lower courts stay eviction and foreclosure proceedings. Huntington, PNC, Fifth Third, Citizens, Third Federal, Chase, and Key Banks are all offering mortgage assistance to struggling borrowers.Oklahoma: No state policy in place as of this writing, but Tulsa County has halted evictions and foreclosures until April 15, while the Oklahoma County Sheriff's Office has suspended enforcement of housing ejectments until “appropriate.”Oregon: Gov. Kate Brown has suspended eviction for nonpayment of rent for 90 days beginning March 22.This Is What a Coronavirus Lockdown Means in Each StatePennsylvania: The state Supreme Court decreed March 18 that neither evictions nor foreclosures could go forward for at least two weeks.Puerto Rico: U.S. District Judge Gustavo A. Gelpí has suspended all eviction orders and foreclosure proceedings until May 30. The island's Public Housing Administration announced it will not collect rent from tenants until the expiration of Gov. Wanda Vasquez's order of social isolation—an order she recently extended to April 12. Residents of the government-owned developments will be liable for the payments after the governor's decree lifts, although they may apply for reductions based on loss of income.Rhode Island: Gov. Gina Raimondo ordered courts not to process evictions for 30 days starting March 19.South Carolina: Chief Justice Don Beatty has ordered a halt to all evictions until May 1.South Dakota: No state policies in place as of this writing, but Sioux Falls Mayor Paul TenHaken has established a fund to provide financial assistance to those facing eviction.Tennessee: The Tennessee Supreme Court has ordered judges not to proceed with eviction cases until April 30, unless "exceptional circumstances" prevail.Texas: The Texas Supreme Court halted all evictions until April 19, subject to an extension by the chief justice. A Dallas County judge has put a stop to new removal cases and landlord recoveries until May 17. The city of Austin passed an ordinance March 26 granting renters a 60-day grace period and preventing landlords from initiating evictions. Nonetheless, renters who can pay rent are encouraged to do so.Utah: No state policies in place as of this writing, but the Utah Apartment Association—a trade group— has generated a proposed “rent deferral agreement” for impacted tenants.Vermont: The Vermont Supreme Court has suspended non-emergency hearings such as evictions until April 15, but individual courts may hold such proceedings remotely. Burlington-based affordable housing operators Champlain Housing Trust, Burlington Housing Authority, and Cathedral Square have all committed to suspending evictions.Virginia: The Virginia Supreme Court has suspended non-essential, non-emergency proceedings such as evictions and foreclosures until April 6.Washington State: Gov. Jay Inslee inked a 30-day eviction moratorium on March 18. Seattle has imposed a 60-day moratorium on evictions beginning March 3, with no late fees, and the King County Sheriff has suspended evictions "until further notice.”Washington, D.C.: The D.C. Superior Court has suspended evictions and foreclosures.West Virginia: The State Supreme Court has suspended all non-emergency proceedings, including housing-related matters, until April 10, and left open the possibility of extension.Wisconsin: Gov. Tony Evers ordered the suspension of evictions and foreclosures until May 26. Judges in Dane and Milwaukee counties have forbidden sheriffs from executing outstanding eviction orders, and the Milwaukee Housing Authority has said it will not evict anybody during the crisis.Wyoming: State Supreme Court Justice Michael K. Davis has ordered all in-person proceedings suspended, and recommended civil trials be rescheduled, which could serve to delay evictions or foreclosures. But local judges have some discretion on whether to conduct trials via video or teleconference.Read more at The Daily Beast.Got a tip? Send it to The Daily Beast hereGet our top stories in your inbox every day. Sign up now!Daily Beast Membership: Beast Inside goes deeper on the stories that matter to you. Learn more.

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weepingsaladcollectorstuff · 4 years

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Deposit Help Programs for First-Time Homebuyers

There are many problems for first-time homebuyers; one of the greatest is developing the required deposit. First-time homebuyers typically do not hold the edge of second time purchasers. Second time customers often have equity with the sale of their homes or investments to draw from for a deposit. Thankfully, there can be a variety of deposit guidance programs offered in many states. From the state of Ohio, deposit guidance programs serve a various team of people today. The most inclusive down payment guidance program inside the State of Ohio is obtainable via the Ohio Housing Finance Agency (OHFA). The OHFA deposit aid program offers two.5% of the sales price towards down payment assistance. There are numerous first-time property consumer programs offered through OHFA which have several restrictions. These restrictions include but aren't limited to income, sales price, and no homeownership in the past 36 months. Also, all first-time household buyer programs require the purchaser to occupy the property. The various OHFA programs contain first-time homebuyers, veterans, police along with other crisis personnel, health care workers, teachers, along with the second time residence buyers purchasing an owner occupied property within an spot specified through the State of Ohio. The OHFA program requires homebuyer training plus the homebuyer to are in the property for the predetermined volume of time. first time home buyer california

If you do not qualify for your OHFA deposit support program or other first-time homebuyer help programs, there are different mortgage funding options that may possibly be just as effective to homebuyers with minimal savings.

FHA funding

FHA financing requires no less than three.5% down. FHA lets the deposit cash for closing expenses to be gifted from the family members member or nonprofit organization. This funding type requires upfront and monthly mortgage insurance plan. FHA offers owner occupied financing only.

Veterans administration (VA)

Honorably discharged veterans or active-duty personnel inside the US military who meet selected qualifications are eligible for zero down mortgage funding through the VA. This funding type has no monthly mortgage coverage but requires an upfront funding cost unless the veteran is disabled.

USDA financing

The USDA bank loan program is obtainable with the United States Office of Agriculture. This bank loan type offers zero down financing for owner-occupied properties in selected rural parts and it has earnings restrictions. USDA financial loans have an upfront and monthly cost. There are two types of USDA loans which contain guaranteed housing financial loans and immediate loans.

Conventional financing

A conventional mortgage is really a bank loan that is just not backed through the government. Conforming typical loans are backed by both Fannie Mae or Freddie Mac. The minimum down payment requirement is 5% for conforming traditional loans. Private mortgage insurance coverage (PMI) is required unless there can be a 20% deposit or for owners refinancing with 20% equity. first time home buyer california

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fthbarlingtontx · 5 years

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Va Max Loan Amount By County

Contents

National median home

Cost calculator estimate

Estimate closing costs

Lender letter ll-2018-05

Homes For Sale For Veterans What Is Loan To Value Ratio For Refinance The lending environment as a whole has been more cautious during this cycle, with a lower proportion of loans in the CMBS space and more constrained loan-to-value (LTV) ratios than what was evident in.The median home value in Richmond, VA is $ 247,250. This is higher than the county median home value of $ 196,500. The national median home value is $ 209,892. The average price of homes sold in Richmond, VA is $ 247,250. Approximately 38% of Richmond homes are owned, compared to 51% rented, while 11% are vacant.Closing Cost Grants For Veterans VA Loan Closing cost calculator estimate Your Total VA Loan Closing Costs with Funding Fee. Use this calculator to help estimate closing costs on a VA home loan. Enter your closing date, the sale price, your military status & quickly see the estimated closing cost. This is an estimate of how much you will need on the day your home purchase is made.Va Funding Fee First Time Use 2015 Assuming A Va Loan After Death Without a release of liability, VA homeowners could take a major credit hit if the person assuming their loan later makes late payments or defaults on the mortgage. VA Loan entitlement. It will be important to realize as the home seller that you may wish to ask the home buyer to substitute their own VA loan benefit vs. having yours tied up in.Advantages For First Time Home Buyers Veterans United Home Loans Login VA home loans are definitely the best that you can get. Veterans United was absolutely the company to work with as they put there best effort in to making the process as easy and painless as possible. 10/10 hands down.When was the last time you gave your finances a health check. more taxes than you need to or missing out on new.That population is the focus of First Lady Michelle Obama’s Mayors Challenge to End Veterans Homelessness in 2015. funding streams for helping get people into housing are the HUD-VASH rental.

“When you look at how this program has been rolled out, there has been a great deal of advance communication and there’s a tremendous amount of attentiveness. wiping away student loan debt and.

General Loan Limits for 2019 The general loan limits for 2019 has increased and apply to loans delivered to Fannie Mae in 2019 (even if originated prior to 1/1/2019). Refer to lender letter ll-2018-05 for specific requirements. Maximum Loan Amount for 2019

Buying A Home Under Appraised Value Va Loan Statement Of Service Example This guide shows which forms verify proof of military service, & how to obtain. written statements from those they served with, newspaper clippings, old. For example, you cannot apply for the GI Bill, VA Loan Certificate of.Advantages For First Time Home Buyers If this is the first time you have subscribed to emails from JPIMedia. Play was scrappy and at half-time Rangers held a slender advantage. Spartans saw more of the ball in the second half without.Thinking of buying or selling a home? Even when both sides agree on a price, the deal could fall apart thanks to an under-appraisal. or may not be willing to pay more than the appraised value.

2019 VA Loan Limits & Maximums by County At a glance: 2019 VA loan limits vary by county and generally range from $484,350 to $726,525 (an increase from 2018). They are based on median home prices and remain consistent for the entire year. Use the links provided below to view VA limits for all counties.

How To Become A Loan Officer In Va 418 Loan Officer jobs available in Virginia on Indeed.com. Apply to Loan Officer, Loan Processor, Loan Servicing Specialist and more! Loan Officer Jobs, Employment in Virginia | Indeed.com Skip to Job Postings , Search Close

VA Loan Limits : 2019 Current VA Limits for OHIO Counties. Although VA guaranteed loans do not have a maximum dollar amount, lenders who sell their VA loans in the secondary market must limit the size of those loans to the maximums prescribed by GNMA (Ginnie Mae) which are listed below.

Petersburg Va Real Estate Records Veterans United Home Loans Payments Is A Va Loan Transferable · VA Guideline for Farm Residences – VA Home Loan Acreage Limit The actual VA guideline referencing homes with land, otherwise farm residences, is located in the VA Lenders Handbook-VA pamphlet 26-7. chapter 11: Appraisal requirements, Topic 12.Veterans United Home Loans is a mortgage lender that specializes in VA loans. It’s based out of Missouri and has been in business since 2002. Veterans United has a team of military advisors who help create a tailored customer service experience for service members and veterans. HighlightsAt $1.35 per $100 of assessed value, the city’s real estate tax rate. The firm awarded Petersburg a “BB” rating with a negative outlook last December, which is below investment grade and the worst.

Maximum Guaranty Limits for February 28, 2014 to December 31, 2014 2014 Revised VA Effective Loan Limits The Department of Veterans Affairs (VA) Loan Guaranty program does not set a maximum amount that an eligible Veteran may borrow using a VA-guaranteed loan. Lenders may make loans to Veterans over the calculated maximum loan

VA Lending Limits for California Cities Although VA guaranteed loans do not have a maximum dollar amount, lenders who sell their VA loans in the secondary market must limit the size of those loans to the maximums prescribed by GNMA (Ginnie Mae) which are listed below.

Lenders will typically consider any loan above the conforming loan limit of $484,350 to be a VA jumbo loan, regardless of the VA loan limit for that county. However, unlike other jumbo loans, as long as the purchase price of the property is within the county loan limit, you likely won’t need a down payment.

There isn’t a maximum loan amount on a VA loan. It’s more a question of how much you can borrow without a down payment. The concept of the VA’s loan limits can be confusing not just for military homebuyers but even for people in and around the mortgage industry.

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chrisvarneyus · 5 years

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The Top 10 Agency Multifamily Lenders of 2018-2019

The Largest Fannie Mae and Freddie Mac Multifamily Lenders of 2018-2019

In 2018, agency lenders Fannie Mae and Freddie Mac issued a combined $143 billion in multifamily loans. While Fannie Mae issued more than $65 billion in multifamily financing, Freddie Mac Multifamily issued approximately $78 billion in loans. Overall, Fannie Mae origination is slightly down from 2017, in which the agency closed more than $67 billion in multifamily financing. In contrast, Freddie Mac Multifamily saw a noticeable rise in originations, with an approximate $4.8 billion growth from 2017’s $73.2 billion, itself a nearly 30% jump from $56.8 billion in loans originated in 2016. As of Q1 2019, Fannie Mae Multifamily reported $16.9 billion in loan issuances. If the agency performs equally well over the next three quarters, it could close the year out with $67.6 billion in multifamily originations, slightly above its performance in 2017. While exact Q1 2019 multifamily performance numbers weren’t readily available from Freddie Mac, the agency reports 14% origination growth from Q1 2018- Q1 2019, and expects overall growth from 2018- 2019, albeit at a slower rate than the growth from 2017-2018. While we can’t say for sure what the rest of 2019 has in store, we don’t suspect this list will change much over the next 9-12 months. From 2017-2018, only 1-2 names on the agencies’ top 10 lists changed, and there’s no reason to suspect that many new players will be entering the top 10 list during 2019.

1. CBRE Multifamily Capital: $19.79 Billion

With nearly $20 billion in loan originations, CBRE Multifamily Capital, a subsidiary of CBRE Group, Inc., was the largest agency lender of 2018. During that year, the firm originated $13.69 billion in Freddie Mac multifamily loans and $6.1 billion in Fannie Mae multifamily financing. CBRE Multifamily also ranked as the #1 Freddie Mac Small Balance Loan lender of 2018. In addition, the firm ranked as the #2 Fannie Mae affordable housing lender in 2018. The company also ranked #4 on Fannie Mae’s lists of top green financing and seniors housing lenders, while ranking #3 on Fannie’s list of student housing lenders.

In addition to its agency lending services, CBRE also originates HUD/FHA multifamily loans, CMBS loans, and a variety of other types of multifamily and commercial financing. While lending is one of the firm’s core focuses, it also provides a diverse array of real estate services, including leasing, appraisals, property and investment management, and real estate development.

CBRE has nearly 500 offices worldwide, and manages approximately $105 billion in assets. The company has an estimated 80,000 employees, and reported a revenue of $21.3 billion during 2018. CBRE is headquartered in Los Angeles, California, and is currently headed by CEO Robert Sulentic.

2. Berkadia Commercial Mortgage: $16.46 Billion

Berkadia Commercial Mortgage, the second largest agency lender of 2018, is a 50/50 venture between the financial giants Jeffries and Berkshire Hathaway. In 2018, the firm originated $9.86 billion in Freddie Mac multifamily loans, and $6.6 billion in Fannie Mae multifamily financing. In addition to being the #2 agency lender of 2018, the firm was also ranked as the #3 Freddie Mac Seniors Housing Lender of 2018.

Berkadia is currently the largest non-bank commercial mortgage servicer in the United States, and prides itself on its lending flexibility and its adoption of the latest technologies on the market. In addition to agency lending, Berkadia also originates HUD/FHA multifamily financing, and offers a variety of commercial real estate services, including investment sales, land services, and mortgage banking services related to the senior housing, student housing, and hospitality industry. Berkadia commercial mortgage is headquartered in New York City and is currently headed by CEO Justin Wheeler.

3. Walker and Dunlop: $14.01 Billion

Walker & Dunlop, Inc., was the third largest agency lender of 2018, having originated $7.11 billion in Freddie Mac multifamily loans, and $6.9 billion in Fannie Mae multifamily financing. In addition to its thriving lending business, Walker & Dunlop also provides commercial and multifamily real estate consulting, asset management, and valuation services, and currently directly services approximately $75 billion of loans.

The firm, one of the largest non-bank commercial real estate lenders in the U.S., is a member of the S&P 600 and has 29 offices across the country. In 2018, the firm reported revenues of approximately $725 million and had 723 employees. Walker & Dunlop is headquartered in Bethesda, Maryland, and is currently headed by Chairman and CEO Willy Walker.

4. Wells Fargo: $12.96 Billion

Wells-Fargo is currently the world's fourth-largest bank by market capitalization, with approximately $1.87 trillion in assets. In 2018, the bank ranked as the #4 agency lender in the U.S., originating $4.86 billion in Freddie Mac loans and $8.1 billion in Fannie Mae loans. Wells-Fargo also ranked as the #1 seller of Freddie Mac Targeted Affordable Housing Loans in 2018, while ranking #2 on Freddie Mac’s list of sellers for Seniors Housing financing.

In 2018, the firm reported a revenue of $86.4 billion, and an income of $22.39 billion. Wells-Fargo is headquartered in San Francisco, California, and is currently headed by interim CEO C. Allen Parker.

5. KeyBank: $9.41 Billion

KeyBank is a major regional bank, with nearly 1,200 branches across the United States. The firm was ranked was the 4th largest agency lender of 2018, having originated $6.01 billion in Freddie Mac multifamily loans and $3.4 billion in Fannie Mae multifamily financing. Keybank also ranked as the #1 seller of Freddie Mac Seniors Housing Loans, and #3 on Freddie Mac’s list of Conventional Structured Financing sellers.

The company is a member of the S&P 500, and reported $7.39 billion of revenue in 2018. KeyBank is headquartered in Cleveland, Ohio, and is currently headed by Chairwoman and CEO Beth E. Mooney.

6. Newmark Knight Frank: $7.96 Billion

In 2018, Newmark Knight Frank originated $4.3 billion in Fannie Mae multifamily loans, and $3.66 billion in Freddie Mac multifamily loans, making it the 6th largest agency lender in the U.S. that year. During 2018, the firm was also ranked as the #1 Freddie Mac Conventional seller in the Southeast United States. Newmark Knight Frank is a subsidiary of BDG Partners, Inc., though both are publicly traded companies.

In addition to providing agency lending services, Newmark Knight Frank also provides representation services to tenants and landlords, real estate appraisal and valuation services, and project, facilities, and property management, among a variety of other services. Newmark Knight Frank is headquartered in New York City and is currently headed by CEO Barry M. Gosin.

7. Capital One: $7.35 Billion

Capital One is currently ranked as the 10th on the largest bank in the U.S., with more than $372 billion in assets. In 2018, Capital One issued $3.55 billion of Freddie Mac multifamily loans, and $3.8 billion in Fannie Mae multifamily financing. That year, the bank was ranked as the #1 Freddie Mac Conventional Lender in the Northeast. Capital One is a member of the Fortune 100, and like many other firms on this list, is a publicly traded company. As of 2018, the bank had 755 branches across the U.S., and reported employing more than 49,000 people. Capital One is headquartered in Richmond, Virginia, and is currently lead by President and CEO Richard Fairbank.

8. HFF: $7.2 Billion

HFF markets itself as “one of the one of the largest and most successful commercial real estate capital intermediaries serving the United States and Western Europe. ” In 2018, the lender originated $7.2 billion in Freddie Mac multifamily financing, though its Fannie Mae multifamily origination volume was not readily available (it did not reach Fannie Mae’s Top 10 lender list in 2017 or 2018). In fact, with this information, it may actually be higher on our list of top 2018-2019 agency lenders. HFF is a member of the S&P 600, and, in 2018, reported revenues of $662 million and assets of $858 million. HFF is headquartered in Dallas, Texas and is currently lead by CEO Mark D. Gibson, Jr.

9. Greystone Servicing Corporation: $6.51 Billion

While Greystone may not be first on this list, it’s considered one of the most highly acclaimed multifamily lenders on the market today, having been ranked the #1 HUD/FHA multifamily and healthcare lender of 2018. That year, the firm originated $3.9 billion in Fannie Mae multifamily loans and $2.61 billion of Freddie Mac multifamily loans. In addition to HUD/FHA and agency multifamily loans, Greystone also offers CMBS financing, as well as a host of investment sales, advisory, and management services, including commercial and healthcare property management and EB-5 investment and affordable housing advisory. Greystone is headquartered in New York City and is currently lead by CEO Stephen Rosenberg.

10. Arbor Commercial Mortgage: $4.51 Billion

In 2018, Arbor originated $3.3 billion in Fannie Mae multifamily loans, and $1.5 billion in Freddie Mac multifamily loans. That year, the company was ranked as the #2 lender for Freddie Mac Small Balance Loans. Much like Greystone, Arbor also has a highly developed HUD/FHA lending division, and is a HUD-approved LIHTC (Low-Income Housing Tax Credit) lender. Arbor also has a variety of other well-developed niches, including mezzanine financing/preferred equity, CMBS, and seniors healthcare lending. As a lender, the firm’s main competitive edge is the fact that it offers in-house servicing for many of its loans, promoting a strong borrower/lender relationship and, potentially, better communication and collaboration between both parties.

Arbor is also a strong proponent of technology, and is gaining recognition for its all-agency online loan origination platform, called ALEX, which includes a loan evaluation session with a loan officer, live help, and other technical tools for borrowers. Arbor is headquartered in Uniondale, NY, and is currently lead by CEO Ivan Kaufman.

from Loan News https://www.multifamily.loans/apartment-finance-blog/the-top-10-agency-multifamily-lenders-of-2018-2019

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oilsteven80-blog · 6 years

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Cooling trend could end up boding well for home buyers

(Credit: iStock, Pixabay, and Wikipedia)

Don’t call it a “buyer’s market.” Don’t call it a “correction.” But the fact is that a sobering change is taking shape in the housing market — an unmistakable cooling trend that defies an economy that is showing impressive growth, has the lowest unemployment rate in years and the highest home-equity levels on record. Anyone thinking of selling or buying a home shouldn’t ignore it. Doing so could cost you money, time and maybe a great opportunity.

Call it a re-balancing. For years since the end of the financial crisis, prices in most markets have increased steadily — by single digits annually in most places, double digits in cities like Seattle, San Francisco, Denver and others that have vibrant employment growth plus persistent and deep shortages of homes for sale. Sellers were in the saddle.

That was then. This is now:

— Sales of existing and new homes have been sagging for half a year. According to data from the National Association of Realtors, resales have been dropping since the spring compared with year-earlier levels. At the end of the third quarter, resales were 2.4 percent below their level at the end of the same quarter in 2017. That’s despite growing inventories of homes available for sale in some areas, reversing the boom-time pattern of bidding wars that pushed prices to record levels and drove buyers batty.

— Mortgage rates hit their highest level in nearly eight years in early November — 5.15 percent for a conventional 30-year fixed-rate loan — according to the Mortgage Bankers Association. Lending Tree, an online network that pairs mortgage applicants with lenders, reported last week that the average annual percentage rate quoted to shoppers was 5.27 percent. Buyers with good scores between 680 and 719 were quoted 5.42 percent.

Though rates in the 5’s may sound reasonable to people who purchased or refinanced a home a decade ago, they are disturbingly high to millennials and other young buyers and magnify the affordability challenges they already face. Higher rates are also daunting to the millions of owners who have mortgages with rates in the mid-3-percent to 4-percent range. Rather than pursuing a move-up or downsizing purchase — requiring a new mortgage at today’s rates — many of them prefer to hunker down on the sidelines, further reducing sales activity.

— Sellers are cutting their list prices. According to research by realty brokerage Redfin, 28.7 percent of prices of homes listed for sale in major markets during the month ending October 14 saw reductions. That’s the highest share of homes with price drops recorded since Redfin began tracking this metric in 2010. One of the key reasons for the cuts: Demand by shoppers is down by more than 10 percent compared with a year earlier. Consumer psychology is shifting as well: A national survey by Fannie Mae released last week found that the net share of Americans who believe it’s a good time to buy has fallen to just 21 percent, while the net share who say it’s a good time to sell is 35 percent.

There are other signs of cooling underway that could be cited, but you get the point. The cycle has moved from seller-advantage to at least mildly purchaser-advantage in many parts of the U.S. Bear in mind, of course, that the cooling trend nationwide may not mean the same things are happening in your neighborhood. In fact, some cities with moderate housing costs are seeing price increases, homes selling above list, and tightening inventories. According to Redfin, nearly 40 percent of homes in Buffalo, New York, are selling above list at median prices 8.5 percent higher than last year’s. In Richmond, Virginia, 29 percent of homes are selling above list; in Akron, Ohio, 22 percent are selling for more than the original asking price, as are 23.2 percent in Greensboro, North Carolina.

So what does this mean to you as a potential seller or buyer? Top of the list: Speak to multiple realty professionals to get a good handle on where your local market is relative to the national cool-down. If you’re a seller, the key to your transaction will be getting your list pricing right. If you’re a buyer, take your time but keep in mind: If you shop diligently, this fall could be a smart time to catch a deal — a marked-down price on the house you really want.

Source: https://therealdeal.com/miami/2018/11/16/cooling-trend-could-bode-well-for-home-buyers/

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tinaparkerusa · 7 years

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25 Houses Under $50,000: September 2017 Edition

by Elizabeth Finkelstein (Image courtesy of Keller Williams Town & Country Realty)

Happy September! Enjoy the latest round-up of gorgeous homes for sale for under $50,000 – plus a bonus video of the CIRCA team discussing a beautiful $67,900 dollar home (and it’s $8,300 next-door neighbor!) (If you come across any beautiful old houses for sale for under $50,000, send them along to us at [email protected]) (Psst… We don’t personally represent any of these homes. We’ve provided a link back to the original listing in the description for each home. Click through if you’re looking for more information!).

1 146 State St, Elkhart, IN Source: Trulia (for sale by owner) $29,900 No property description given.

2 159 S Mcintosh St, Elberton, GA Source: Coldwell Banker Fort Realty $41,900 (foreclosure) Two-story brick home built in 1915 with 5 bedrooms and 3 baths on a corner .27 acre lot in the city of Elberton. The main level has a separate living room with fireplace, dining room, office/sitting room, kitchen, butler’s pantry, bedroom with fireplace that has a freestanding gas log heater, and a full bath. The master bedroom, with woodburning fireplace, and bath is located upstairs along with 3 more bedrooms and another bath. Laundry hookups are located in the kitchen. There is a root cellar, a small brick storage building, and a private backyard. This home is in need of total restoration. Freddie Mac First Look through July 1, 2017. Seller will pay up to $500 for home warranty if owner occupied – must be specified in initial offer. Proof of funds or prequal letter required with offers. Seller addenda apply upon acceptance of offer. Earnest money must be certified check to listing broker or seller’s attorney : Ellis Painter Ratterree & Bart LLP. Sold As Is.

3 806 River Rd, Fort Plain, NY Source: Homes.com, courtesy of USRealty.com LLC $27,900 Massive 7 bed, 2 bath Fort Plain, NY home for sale. This property is 4,000+ sq ft and sits on 1.9 acres. What a wonderful investment property for a large family! Rooms and interior are spacious. Updating and some work are necessary before move in ready.

4 1212 N Main St, Evansville, IN Source: ERA First Advantage Realty, Inc. $40,500 (foreclosure) This 3 bedroom, 1 bath home has character throughout! There is a covered front porch and spacious yard. Tall windows throughout the home allow for a lot of natural light. The street and sidewalks have recently been redone in front of the home. You are not far from schools, shopping, and restaurants. This is a Fannie Mae HomePath property.

5 20 Sherman St, Bradford, PA Source: Howard Hanna Professionals $44,900 “HOME HAPPENS HERE”Spacious 4 bedroom home situated on corner lot on quiet city street. Modern eat-in kitchen with glass doors leading to deck, formal dining area, large living area with fireplace and grand entrance all offered on the first level of this home. Second level boasts 4 bedrooms with plenty of storage and full bath.A must see home!

6 732 Belgrade Rd, Mount Vernon, ME Source: Estately, courtesy of Brookewood Realty $49,900 Mount Vernon – New Listing – Country location !! Old Cape home!! Needs repairs, being sold as is!! House with attached shed!

7 51 Covington St, Perry, NY Source: Realtor, courtesy of USRealty.com, LLP $34,900 4 bed, 2 bath Perry, NY Home for sale. This home has great potential. There is beautiful wood working throughout the property. Some work and repairs maybe necessary before move in ready. Very spacious home. Beautiful characteristics here and great potential!

8 138 W Orleans St, Paxton, IL Source: RE/MAX Realty Associates $19,900 HISTORICAL CLASSIC HOME! THIS PROPERTY IS BEING SOLD IN AN “AS-IS” CONDITION. THIS PROPERTY WILL NOT QUALIFY FOR A TYPICAL MORTGAGE. SELLER WILL ONLY CONSIDER A CASH BUYER.

9 168 S Mcgriff St, Whigham, GA Source: Realtor, courtesy of KELLER WILLIAMS Town & Country Realty $49,900 No property description given.

10 207 E 2nd St, Wyanet, IL Source: Trulia, courtesy of Landmark Realty of Illinois LLC $24,900 The grandiose features of this fabulous home make it worth the love needed! Amazing woodwork including original hardwood floors, two stairways, cast iron fireplace, detailed wainscoting, built in floor to ceiling mirror and built in entryway benches are all the touches that you just can’t find in a newer home. New roof in 2012 on both home and garage, 95% efficient furnace and air conditioning in approximately 2013, and new windows on the main floor (excluding leaded glass) in 2005. Wrap around porch overlooks the huge yard! Most personal property in home will stay with new owner and property is being sold as-is, where is.

11 104 Somerset St, Rumford, ME Source: Hebert Realty Group $50,000 Unique opportunity to own a home of this style. House has a distinct architectural appearance from the road. Large living room, 2 baths, 4 bedrooms & new furnace. House is waiting for your finishing touches to make it stand out! Manageable yard.

12 1003 Edgington Ave, Eldora, IA Source: Realtor, courtesy of Leonard Realty $46,500 (offer pending) Large 4-bedroom historical home close to downtown has charm galore! Original woodwork and two sets of stair to second floor are unique features. This has the potential to be a unique bed and breakfast property.

13 517 Park Ave, Johnstown, PA Source: Realtor, courtesy of Speicher Select Properties $19,900 An unique opportunity! This stately Victorian on tree-lined Park Avenue in historic Moxham is ready for an owner who will restore it to its past glory. It is sold in AS-IS condition. After restoration you can enjoy spacious living surrounded by original hardwood floors and woodwork, with plenty of room for all your needs. Close to Central Avenue and Ohio Street, giving easy access to Conemaugh Hospital, schools, shopping, and transportation. Call today to discuss the options available for this property!

14 413 S Archer St, Henrietta, TX Source: Realtor, courtesy of Hirschi Realtors Inc $39,000 Lots of potential in this historic home. 3 bedrooms with tons of charm and architectural details. Has a 2 car detached garage with an apartment above it and sits on a corner lot. Needs someone to come in and finish this 100 year old charmer.

15 305 S Bloomington St, Streator, IL Source: Realtor, courtesy of Washington Square Realtors $49,900 (foreclosure) Beautiful stained glass windows, 2 kitchens, 4 large bedrooms, and 2 full baths. Second kitchen has many possible uses. Covered porches on the front as well as the side of this stately home. Detached 3 car garage provides additional storage. Elegant winding staircase, and 2 sets of French doors add character to all this home has to offer.

16 105 Oakwood Rd, Charleston, WV Source: Old Colony Company $50,000 Own your very own rustic log cabin in South Hills! 1 bedroom, 1 bath log home with hardwoods on a .21 acre lot.

17 113 N Broad St, Orient, IA Source: Creston Realty $38,000 Old Masonic Lodge built in 1925 with original millwork, 5 panel solid wood doors, hardwood floors and period-style pendant chandeliers. Both main floor and lower level have large open spaces – suitable for any large gatherings. Kitchen has two serving windows and built-in pantry. Many many possibilities…. community fitness center, music hall or dance studio, art gallery, retail, church, destination restaurant … be creative! Could also be turned into a large residential home or bed & breakfast. Some options may require zoning change.

18 304 Cross St, Newcomerstown, OH Source: Ron Hickman Grapevine Real Estate $39,900 Bring this Queen Anne home with tower back to its original glory! *3 bedrooms, 1-1/2 bathrooms, attached garage* *beautiful woodwork, most hard wood floors, large rooms, pocket doors* *Nice neighborhood, priced right at $49,900 to add your personal touch & make it a beauty*

19 411 N Hickory St, Joliet, IL Source: Realtor, courtesy of EXIT Realty Redefined $49,000 Diamond in the Rough – This historical home is in need of complete rehab. Gorgeous Wood Work including Grand Entrance… Four Bedroom Home, Two and Half Car Garage. Sold As-Is…

20 441 S Highland Ct, Montgomery, AL Source: CENTURY 21 Brandt Wright Realty, Inc. $45,000 No property description given.

21 651 N Main St, Kenton, OH Source: Realtor, courtesy of Royer Realty LLC $49,900 (offer pending) Vintage character! This Victorian home built in 1870 has great potential! Large rooms, high ceilings, hardwood floors, decorative wood moldings, fireplace, big windows, covered front porch, fenced back yard, one car detached garage plus an updated kitchen! 9 rooms, 5 bedrooms with one on main level, full bath and large walk-in closet upstairs and main level laundry in kitchen. Call today to see this spacious home! Lots of potential! Cash, conventional or rehab loans only.

22 749 N 31st St, Milwaukee, WI Source: Realtor, courtesy of Jason Scott Realty & Management, LLC $12,000 (pinch me!) Be prepared to own a little piece of city of Milwaukee history. This home built in the late 1800’s has tons of potential to offer! This is strictly for an owner occupant buyer. Beautiful old world charm & natural lighting throughout the entire property.O/O A historic Preservation easement will be required and buyer must complete a reduced unit permit application and pay associated fees. These can be obtained through the City. Please see http://city.milwaukee.gov/HistoricHouses for more information.

23 848 Vine St, Poplar Bluff, MO Source: Mossy Oak Properties Mozark Realty $44,900 Known as the “Castle on Vine”, this one-of-a kind Victorian style home is rich in Poplar Bluff history and is a clean slate to add your own personalization. Channel your inner Chip and Joanna to make this a great Bed & Breakfast, Boutique, Museum or venue. The electric has been updated on the main level. This home is part of the Missouri Preservation Society and can be tax deductible to restore.

24 2101 Christine Ave, Anniston, AL Source: ERA King Real Estate $34,900 Own a Piece of Anniston’s History. 2101 Christine Avenue is listed as a contributing resource in the National Register nomination for the East Anniston Historic District. This house is one of the few surviving resources in the city associated with the Noble family. Samuel Noble and Daniel Tyler founded the Woodstock Iron Company in 1872 and built what would become the City of Anniston (incorporated in 1879). The house is also one of the few houses in the city to be constructed before 1890. A lot of history lives here and is worth the viewing and use your imagination on restoring a piece of history. Call today for your private tour of this great opportunity. Seeing is Believing!!!

25 6026 Lookout St, Saint Joseph, MO Source: Realtor, courtesy of Berkshire Hathaway HomeServices Stein & Summers Real Estate $35,000 This grand, 1912 home is begging for your personal touch. This little area is a wonderful hidden gem in town! Great views and almost a half acre lot. Sitting up high on the appropriately named Lookout Street, the home is livable at the moment and utilities are on and are working! Yes it’s a fixer upper, but you can move in this one and work on it. Oh the potential! Pocket doors and hardwood floors. Robust fireplace mantle. Let the amazing craftsman details all over the home be a reminder of the rich past that St. Joseph boasts.

Watch! 217 S Boush St, Roper, North Carolina Sources: CIRCA Old Houses and Zillow, courtesy of Riverfront Realty of Eastern NC, LLC $67,900 Beautiful elegance describes this stately home built in 1918 in downtown Roper. Large windows, graceful mantels, high ceilings, solid wood doors, brass chandeliers, beautiful woodwork and stained glass are just a few of the features of this home. Located on a large lot with mature trees and landscaping the setting provides a great backdrop for this property. The home is being sold as is and does need some work but the bones are great and the potential is unlimited.

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Love cheap, beautiful old houses?

Follow CIRCA’s Instagram feed at @CheapOldHouses, on which we showcase only gorgeous historical homes for sale for under $100,000.

AUTHOR ELIZABETH FINKELSTEIN

Elizabeth is the founder of CIRCA and a practicing writer, architectural historian and preservation consultant living in Nyack, NY. Elizabeth has loved historic houses for as long as she can remember, having grown up in an 1850’s Greek Revival gem that was lovingly restored by her parents. Elizabeth, her husband Ethan and their beagle Banjo remain on a relentless hunt for their perfect “Thanksgiving house.”

from House Retoration Tips http://circaoldhouses.com/houses-under-50000-september-2017-edition/

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mortgagebrokerplanotx · 5 years

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So what if Putnam increases investment in “morally reprehensible” Ocwen?

Contents

Providing natural gas service

Government-sponsored mortgage association. robert

Nfl players union

Limited digital currency

Morally reprehensible: (1

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SecureView lands giant Fannie Mae field-services deal BlackRock, PIMCO set to push for BofA mortgage deal About 43% of Americans expect home prices to rise BlackRock, PIMCO set to push for BofA mortgage deal An expert witness testified on Thursday that Bank of America Corp’s proposed $8.5 billion settlement with mortgage bond investors is "not reasonable" and rife with conflicts of interest, as opponents.43% of Workers Retire Earlier Than Expected.Fannie Mae, the federal government-sponsored mortgage association. robert Klein, founder of Cleveland-based clear board maker SecureView, said the Ohio law makes a bold statement against urban.

"It’s unethical and morally reprehensible as far as I’m concerned," former NFL defensive back Domonique Foxworth said of the Dolphins’ roster stripping, during an appearance on ESPN’s Former nfl players union president says Dolphins’ approach is ‘morally reprehensible’ | Opinion.

Putnam Investments disclosed a 21% increased stake in OCN. Putnam’s track record does not inspire confidence. Ocwen accused of illegal foreclosures and defaulting on its notes. Ocwen allegedly conducted morally reprehensible acts; but also looks undervalued.

Morgan Stanley surprised by reported Citi settlement size Morgan Stanley Agrees to Pay $2.6 Billion Penalty in. – In conjunction with today’s announcement of the federal government’s settlement with Morgan Stanley, the states of New York and Illinois – also members of the RMBS Working Group – have announced settlements with Morgan Stanley for $550 million and $22.5 million, respectively, arising from its sale of RMBS.Syracuse about to sweep up 100 properties over delinquent taxes FDIC sues 12 banks over mortgage bonds sold to Colonial . bankruptcy judge last September when it tried to sue Colonial BancGroup for a $900 million shortfall at Colonial’s banking subsidiary. The FDIC, which took over Colonial Bank in August 2009 and.She does admit to being delinquent in filing tax paperwork; she was ordered this week by the. Cochran said they are working with the county to reduce the number of animals on the property to 100,

So, there is a lot of investments going on in Radio.com in our. more expensive So what if Putnam increases investment in “morally reprehensible” Ocwen?

Company Spotlight: MGIC A closely followed hedge fund manager known for correctly betting on the housing market’s collapse four years ago bought a small stake in the nation’s largest mortgage insurance company in a bet..

Southpoint Global Investment, LLC v. Warren et al 8:18-cv. If Plaintiff does so, Defendant must respond on or before. Ocwen Loan Servicing LLC 6:19-cv-00714.

So what if Putnam increases investment in "morally reprehensible" Ocwen? Back to the Futures: Investors See Four Years’ Worth of Housing Slump In this sense of the word, it’s plausible that, in the near future, we will see a jubilee of unprecedented size and scope here in the United States.

If a company you invest in engages in activities that you view as unethical or immoral, should you sell regardless of performance or consider another path? "Our goal is to help clients invest with financial wisdom versus using a moral or ethical guide — and the investments they may be interested in may.

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Which is more morally reprehensible: (1) Introducing a ban on refugees and immigrants from a small number of countries for a temporary period or (2) Killing people and destroying their countries through illegal regime change wars? A bit of a no-brainer, eh? It has to be the second answer, surely.

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cristinkgarzaky · 7 years

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25 Houses Under $50,000: September 2017 Edition

by Elizabeth Finkelstein (Image courtesy of Keller Williams Town & Country Realty)

1 146 State St, Elkhart, IN Source: Trulia (for sale by owner) $29,900 No property description given.

9 168 S Mcgriff St, Whigham, GA Source: Realtor, courtesy of KELLER WILLIAMS Town & Country Realty $49,900 No property description given.

16 105 Oakwood Rd, Charleston, WV Source: Old Colony Company $50,000 Own your very own rustic log cabin in South Hills! 1 bedroom, 1 bath log home with hardwoods on a .21 acre lot.

20 441 S Highland Ct, Montgomery, AL Source: CENTURY 21 Brandt Wright Realty, Inc. $45,000 No property description given.

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Love cheap, beautiful old houses?

Follow CIRCA’s Instagram feed at @CheapOldHouses, on which we showcase only gorgeous historical homes for sale for under $100,000.

AUTHOR ELIZABETH FINKELSTEIN

from House Retoration Tips http://circaoldhouses.com/houses-under-50000-september-2017-edition/

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juliasmathewus · 7 years

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25 Houses Under $50,000: September 2017 Edition

by Elizabeth Finkelstein (Image courtesy of Keller Williams Town & Country Realty)

1 146 State St, Elkhart, IN Source: Trulia (for sale by owner) $29,900 No property description given.

9 168 S Mcgriff St, Whigham, GA Source: Realtor, courtesy of KELLER WILLIAMS Town & Country Realty $49,900 No property description given.

16 105 Oakwood Rd, Charleston, WV Source: Old Colony Company $50,000 Own your very own rustic log cabin in South Hills! 1 bedroom, 1 bath log home with hardwoods on a .21 acre lot.

20 441 S Highland Ct, Montgomery, AL Source: CENTURY 21 Brandt Wright Realty, Inc. $45,000 No property description given.

youtube

Love cheap, beautiful old houses?

Follow CIRCA’s Instagram feed at @CheapOldHouses, on which we showcase only gorgeous historical homes for sale for under $100,000.

AUTHOR ELIZABETH FINKELSTEIN

from Home Decoration Ideas http://circaoldhouses.com/houses-under-50000-september-2017-edition/

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blog-jadeartist-blog · 7 years

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Paper Doll Definition A paper doll is a two-dimensional figure drawn or printed on paper for which accompanying clothing has also been made. It may be a figure of a person, animal or inanimate object. The term may be extended to include similar items made of materials other than paper, such as plastic, cloth or wood. The term also may include three-dimensional dolls and their costumes that are made exclusively of paper. Collectors sometimes extend their collections to include other toys printed on paper, such as paper airplanes, cars and trains, animals and birds, villages, furniture and so on. Overview It's just a flat paper object, but it has such enormous appeal that it will provide a lifetime of pleasure! For historians, paper dolls and their costumes provide a broad look at cultures around the world. Film and theater buffs will enjoy the popular figures from opera, stage, screen and even television that have appeared as paper dolls-and many have. Paper doll royalty and political figures provide opportunities for sleuths who love digging in odd places to unearth their treasures. Those who love babies, children, pretty ladies, animals or fantasy figures will find their favorite subject in paper doll form. And what woman (or man) over thirty does not remember paper dolls as the cheapest, yet most fascinating toy of childhood? It's memories like this that bring many adults back to the subject as collectors seeking the sets they played with as children. There is nothing quite like the feeling of digging in a box of assorted papers and suddenly finding in one's hand an exact replica of a childhood toy. The years slip away with lightning speed, and such a find awakens childhood with all its simplicities and joys. If the collecting bug for paper dolls has not yet bitten you, it just may. It can be an inexpensive pastime that requires little storage space, or it can grow into a hobby as extensive as collecting antique dolls. And best of all, it is an activity you can share with children of today, teaching them manual dexterity, history, fashion and art while you have great fun together. Once you begin collecting paper dolls, they can become one of life's great passions. Paper Doll Milestones First manufactured paper doll: Little Fanny, produced by S&J Fuller, London, in 1810. First American manufactured paper doll: The History and Adventures of Little Henry, published by J. Belcher of Boston in 1812. In the 1820s, boxed paper doll sets were popularly produced in Europe and exported to America for lucky children. First celebrity paper doll: A doll portraying the renowned ballerina Marie Taglioni, published in the 1830s. In 1840, a boxed set was done of another ballerina, Fanny Elssler, as well as of Queen Victoria. These early paper dolls are rare and priced accordingly. It is still possible to unearth paper dolls from unexpected places, so it is imperative never to throw away old papers without thoroughly examining them for these treasures. Early History Paper dolls have existed as long as there have been paper and creative people to apply images to it. Paper figures have been used in ritual ceremonies in Asian cultures for many centuries. An ancient Japanese purification ceremony dating back to at least A.D. 900 included a paper figure and a folded paper object resembling a kimono which were put to sea in a boat. The Balinese have made shadow puppets of leather and of paper since before Christ, although we are aware of no evidence that they made separate costumes for these figures. Many dolls have been made of paper in the Orient, whether folded or otherwise constructed, but these are three-dimensional and not flat. In France in the mid-1700s, "pantins" were all the rage in high society and royal courts. This jointed jumping-jack figure, a cross between puppet and paper doll, was made to satirize nobility. (Pantin is the French word for a Dancing-Jack Puppet.) Other cultures have had special forms of paper art, including China (Hua Yang), Japan (Kirigami), Poland (Wycinanki), and Germany and Switzerland (Scherenschnitte). Many more have enjoyed folk art pictorial representations in cut paper, but these also do not have garments to fit the forms. With the exception of the kimono mentioned above, these paper figures do not fit our definition of paper doll because they do not include costumes for the figures presented. Examples of the first true paper dolls have been found in the fashion centers of Vienna, Berlin, London and Paris from as early as the mid-1700s. These are hand-painted figures and costumes created for the entertainment of wealthy adults. They may have been done by a dressmaker to show current fashions or done as satirical, sociopolitical illustrations of popular figures of the day. A set of rare hand-painted figures dated late in the 1780s can be found in the Winterthur Museum of Winterthur, Delaware. It shows coiffures and headdresses for sale at the shop of Denis-Antoine on Rue St. Jacques, Paris. In 1791, a London advertisement proclaimed a new invention called the "English Doll." It was a young female figure, eight inches high, with a wardrobe of underclothes, headdresses, corset and six complete outfits. Dolls like these were also sold in Germany. Examples of many beautiful and extremely rare paper dolls can be seen at the John Greene Chandler Memorial Museum in South Lancaster, Massachusetts. Mass-Produced Paper Dolls Pre-1900 McLoughlin Brothers, founded in 1828, became the largest manufacturer of paper dolls in the United States, making their dolls fairly easy to find today. They printed their paper dolls from wood blocks engraved in the same way as metal plates. Some of the most popular dolls, selling for five and ten cents a set, were Dottie Dimple, Lottie Love and Jenney June. The largest producer of paper dolls and children's books, McLoughlin Brothers was sold to Milton Bradley in 1920. A smaller publishing company, Peter G. Thompson, published paper dolls in the 1880s. Similar to the McLoughlin style, some of their titles were Pansy Blossom, Jessie Jingle, Lillie Lane, Bessie Bright and Nellie Bly, selling for eight to fifteen cents per set. Also in the 1880s, Dennison Manufacturing Company added crepe paper to their line, starting a trend that lasted for about forty years. Crepe paper added dimension to the costumes of paper dolls and provided countless hours of fun for children at home and in schools. In the 1890s, Frederick A. Stokes and Company published several sets of paper dolls including likenesses of European royalty and America's own Martha Washington. Imported Paper Dolls From the 1870s to the 1890s, European manufacturers produced beautifully lithographed full-color paper dolls. They often represented royalty and famous theater personalities, including the German Royal Family, the House of Windsor, and actresses Ellen Terry, Lily Langtry and Lillian Russell. Beginning in 1866, Raphael Tuck is perhaps the best known manufacturer of antique paper dolls. The company began "by appointment to her Majesty Queen Elizabeth II, Fine Art Publishers, London," and soon opened branch offices in New York and Paris. Their first paper doll was a baby with a nursing bottle, patented in 1893. Tuck's German manufacturing facilities were destroyed by bombing in December 1940 and all records, plates and documents were lost. Tuck dolls are easily identified by the trademark and series name and number on the back of each piece. A trademark style of this company is a set of paper dolls with many costumes and interchangeable heads. Tuck also made "regular" paper dolls. Some of their titles include Sweet Abigail, Winsome Winnie, Bridal Party, My Lady Betty, Prince Charming, the popular Fairy Tale series and many more. Tuck made paper dolls several years into the twentieth century. Manufactured Paper Dolls Post-1900 Among the companies publishing paper dolls at the turn of the century and beyond was Selchow and Righter, who printed the famous large envelope set-Teddy Bear (out of print) reproduced by B. Shackman/Merrimack and Co. (for over 100 years, in New York City) now of Battle Creek, Michigan. B. Shackman, with excellent color, die-cutting and embossing, is known for its fine-quality reproductions of dozens of antique paper dolls, making them attainable at relatively low prices. McLoughlin and Raphael Tuck continued manufacturing paper dolls into the twentieth century. McLoughlin kept making paper dolls, along with children's story and playbooks, after its sale to Milton Bradley in 1920. Saalfield Publishing of Akron, Ohio, began making children's books, dictionaries and bibles in 1900. Their first paper dolls, done in 1918, were Dollies to Cut and Paint, combining full-color pages with black-and-white, creating further play for youngsters. Magazine Paper Dolls In November 1859, Godey's Lady's Book was the first known magazine to print a paper doll in black and white followed by a page of costumes for children to color. This was the only paper doll Godey's ever published, but it set the trend that many women's magazines followed in years to come. The 1900s saw an explosion of paper dolls in many lady's and children's magazines. Lettie Lane, painted by Sheila Young, made her entrance in Ladies' Home Journal in October 1908 and ran until July 1915. The pages included Lettie, her friends, her family, their servants and accompanying stories. The Lane family became well-known and loved all across America. Ladies' Home Journal continued printing paper dolls through 1948 by a variety of artists including Lucy Fitch Perkins and Gertrude Kay. Good Housekeeping gave us Polly Pratt and her family and friends, also painted by Sheila Young, from 1919 to 1921. Grayce Drayton's immensely popular Dolly Dingle appeared in Pictorial Review in March 1913, then again from 1916 to 1933, interrupted in 1926 by Peggy Pryde and friends and in 1925 and 1926 by the flappers Bonnie and Betty Bobbs. After Dolly came the lovely Polly and Peter Perkins series by Gertrude Kay in 1934. Rose O'Neill coined the word "Kewpish," meaning "cute," and created her dear little cherubs called Kewpies, first as story pages and then as paper dolls. Introduced in Woman's Home Companion in 1912, they enjoyed huge popularity, remaining perhaps the most widely recognized of the antique paper dolls today. Other paper dolls and toys followed in Woman's Home Companion throughout the 1920s: Henry Anson Bart and his paper toys, dolls by fashion illustrator Emma Musselman, Frances Tipton Hunter's precious children, and Katherine Share's paper dolls. The fashion magazine The Delineator (by Butterick Publishing and pattern company) featured Carolyn Chester's charming series of three-dimensional wraparound dolls in 1912 and 1913. Paper dolls accompanied by toys, theaters and stories remained a regular feature through 1922 with interesting paper dolls and toys to inspire patriotism during World War 1. The women's magazines also had jointed dolls by Carolyn Chester, Catherine Hopkins and Alida Clement. Good Housekeeping was a major contributor of paper dolls, showcasing the work of many artists from 1909 to the present. Sheila Young's Polly Pratt enjoyed the company of Little Louise, Thomas Lamb's Kiddyland Movies, and "walking" dolls by Elmer and Bertha Hader. Extension magazine, published by the Catholic Church Extension Society, presented a series by Martha Miller of Patsy, her friends and family from 1931 to 1935. They published other paper dolls off and on from 1936 through 1959. Who doesn't know Betsy McCall, perhaps the best known magazine paper doll in America? She came along after a long tradition of paper dolls in McCall's from 1904 to 1926, featuring the art of Jeremiah Crowley (animals and paper toys); Margaret Peckham, A.Z. Baker and Barbara Hale (Jack and Jill Twins); Mel Cummins (Teeny Town); Corrine Pauli Waterall; Percy Pierce (villages); the Haders (dolls and furniture); Norman Jacobsen (the Nipper series); and Nandor Hanti's clever cut-and-fold McCall Family series. A sweet-faced Betsy McCall by Kay Morrissey debuted in 1951. Morrissey was followed by an unknown artist in 1955, then by Ginnie Hoffman in 1958. Betsy McCall modeled fashions that could be made with McCall's patterns while she enjoyed travels and activities all over the United States and beyond. Betsy has come and gone over the years from the 1960s to the 1990s with various changes in style, from the 1970s "mod" look to a brief appearance of a new attractive, modern Betsy by Sue Shanahan in the late 1990s. Paper Dolls in Advertising When paper dolls surged in popularity as toys, manufacturers of all kinds of household goods took advantage of their popularity by using them to promote their wares. Paper dolls appeared in advertising, some die-cut, some as cards to cut out. A few of the products advertised with paper dolls were Lyon's coffee, Pillsbury flour, Baker's chocolate, Singer sewing machines, Clark's threads, McLaughlin coffee and Hood's Sarsaparilla. These dolls were plentiful and are still fairly easy to find today, often pasted into colorful scrapbooks. Later, from the 1930s to the 1950s, companies put paper dolls into their magazine advertisements to sell such goods as nail polish, underwear, Springmaid fabrics, Quadriga Cloth, Ford Cars, Fels Naphtha and Swan soaps, Carter's clothing for children, and more. Children's Magazines Chilldren's magazines were the perfect place to present paper dolls for play and education. Golden Magazine gave us sixty pages of paper dolls by Hilda Miloche, Neva Schultz and L.M. Edens, many of fantasy and of ethnic style. The popular Jack and Jill Magazine is nearly a sure thing for finding paper dolls from 1938 to 1974. Finding those issues is exciting, but sometimes disappointing as frequently the paper doll page has been removed. Artists who created these pages were Betsey Bates (1973); Peggy Geiszel (1940s and 1958); Tina Lee (1938 to 1951); and Irma Wilde. Children's Playmate printed paper dolls from 1929 to 1961 of all kinds of characters including folk characters, siblings, toys and stuffed animals. Paper Dolls in Teachers' Magazines Paper dolls appeared in children's activity magazines and teachers' instructional magazines such as The Grade Teacher (1929 to 1951); Junior Instructor and Junior Home Magazine (1919 to 1931); Normal Instructor, Primary Plans and The Instructor (1913 to 1936); and Primary Education and Popular Educator (1924, 1928 to 1929). Auctions of household goods that belonged to retired teachers are gold mines for these kinds of paper dolls. Doll and Other Contemporary Magazines Doll magazines, a modern phenomenon, have grown with the popularity of doll collecting and doll-making. Virtually all of the doll and teddy bear periodicals printed in the United States today frequently print paper dolls. Other publications which occasionally print paper dolls are Better Homes and Gardens (various craft issues), Sew Beautiful, Barbie Bazaar and American Girl. Sharp-eyed collectors watch all kinds of periodicals for the odd paper doll which may appear in the context of satire, advertising, illustration, fashion and so on. Newspaper Paper Dolls The Boston Herald began printing paper dolls in the 1890s. Two lady fashion dolls –one blonde, one brunette- were issued in the paper, and others could be ordered. Costumes in subsequent issues fit the dolls first shown. The Boston Globe soon followed with their own unusual paper dolls to put together. In 1907 and 1908, a Teddy Bear series was published, and in 1910, a family. After 1900, the Boston Post printed a series about Little Polly and Her Paper Playmates with the popular addition of Polly's older sister Prue, all in full color. The Sunshine Paper Dolls series appeared in The Boston American and The Buffalo Express in 1916. Paper dolls enjoyed a huge resurgence in newspapers during the Great Depression, when much entertainment could be had for a nickel from the comics and the paper dolls that often appeared in them. Some paper doll characters sprang directly from the comics: the Katzenjammer Kids, Dick Tracy, Brenda Starr, Daisy Mae and Li'l Abner, Fritzy Ritz and Jane Arden. Other newspapers had their own paper doll features, such as Mopsy, Boots and Millie. Comic Book Paper Dolls Paper dolls arrived in comic books when comics went beyond the subjects of adventure and heroes to appeal to the female market. Big and little girls then loved comics too, and in the 1940s and 1950s, paper doll pages included with the comics made them even more appealing. Modeling was a popular theme and a career many girls fancied themselves attaining "someday." This theme also offered a great excuse for dolls to wear lots of costumes. Publishers encouraged interest in their comics and increased sales by inviting readers to send in fashion designs. In hundreds of comics throughout the 1950s, one will find names of mail-in readers/designers assigned to each costume shown. Not all issues contained paper dolls, making the collector's search more challenging. Some of these were Patsy Walker, the Patsy and Hedy series by Atlas Comics (1945 to 1967); Hedy DeVine of Hollywood (Atlas Comics, early 1950s); GAY comics with Millie, Tessie, Nellie and Hedy DeVine (Atlas, 1947 to 1952); the Millie the Model series (Atlas, 1945 to 1973); My Girl Pearl (Atlas, 1955 to 1961); A Date with Judy (National Periodical Publications, 1947 to 1960); Sugar and Spike (D.C. Comics, 1957 to 197 1); Dennis the Menace (Fawcett, 1953 to the present); and the Betty and Veronica series (Archie Comics, 1950 to the mid 1990s). Bill Woggon's Katy Keene and Contemporary Fashion Model Comics Katy Keene first appeared in Archie Comics' Suzie (1945 to 1954), Laugh (1946 to the 1990s), Pep (1940 to the 1990s) and Wilbur (1944 to 1946). Katy Keene, originated by Bill Woggon, is the best-loved and most well-known comic book paper doll. She appeared in her own comics -- Katy Keene Charm, KK Annual, KK Glamour, KK Fashions, and others (1949 to 1961). Katy, her Sis and her friends enjoyed a revival from 1983 to 1990 with some reprints of old Archie Comics by Bill Woggon and new issues by artists Dan DeCarlo, Don Sherwood and John Lucas. A charming series by Renegade Comics, featuring the art of Bill Woggon with the aid of his protégé, Barb Rausch, was Vicki Valentine (1985 to 1986). With only four issues of fun, finding Vicki is a real treat for paper doll collectors. Katy enjoyed some new books in the 1990s by Barb Rausch with the support of Bill Woggon, for Hobby House Press. Since the late 1980s, paper doll collectors have been waiting for new comic book paper dolls, and wishing especially for Katy Keene's return. With enough letters to Archie Comics, maybe it can happen…but who will draw them now with Dan DeCarlo, Barb Rausch and Bill Woggon gone? More Comic Book Paper Dolls There were several short-run comic series with paper dolls. Misty (Star Comics, 1985 to 1986) was a four-issue series of comics featuring paper dolls and the art of Trina Robbins. Following in 1987 was another four-issue Renegade Press series -- Trina Robbins' California Girls. Paper dolls appeared now and then in odd places like Eclipse Comics' Airboy, Fashion in Action and Portia Printz (late 1980s), Renegade's Neil the Horse (1980 to 1986), and Marvel Age #54 (1987), the "Official Marvel News Magazine." The Golden Age of Paper Dolls The 1930s through the 1950s can perhaps claim the title "Golden Age of Paper Dolls," as their popularity during those years has never been equaled. During the Great Depression, paper toys could be afforded by all. Despite the product shortages of World War 11, paper dolls were still manufactured, though on lesser-quality papers. Parents of the 1950s revered the image of little girls lovingly playing with paper dolls, just as their mothers and grandmothers had before them. Queen Holden We cannot discuss paper dolls of this era without introducing artist Queen Holden, who began her career with Whitman Publishing. She painted dear babies, winsome children, families and even movie stars from 1929 to 1950. Some of her best-loved paper dolls today are Baby Patsy, Judy Garland, Baby Shower, Hair-do Dolls, Carolyn Lee, Snow White and the Dionne Quints. She created more of her sweet-faced children for Samuel Lowe Publishing from 1962 to 1971. Some believe that the Barbie doll was inspired by Queen's glamour dolls of the early 1940s. Queen Holden was and is dearly loved by her fans for her unforgettable paper dolls. When old copies of her work can be discovered, it is a joyful find. Today, B. Shackman is the authorized publisher of all her works, reprinting as many of her designs as they can find and keeping her collectors very happy indeed. Kathy Lawrence Queen Holden's daughter, Kathy Lawrence, often the model for her mother's lovely paper dolls, is a fine artist in her own right today, perhaps surpassing her mother's work in quality (but not in popularity, as the heyday of paper dolls had passed by the time she became a paper doll artist). Kathy's first published paper doll, done for Whitman, was Tiny Tot Shop, 1969, similar to her mother's Tots Toggery of the 1940s, followed by her darling Beth Ann, 1970. We can find Kathy's exquisite work today in the American Greetings card racks, showing her winsome children, adorable babes and cute animals. Kathy created paper dolls and other products for B. Shackman from 1980 to 1985, so the tradition goes on. Saalfield Publishing Company The 1940s and 1950s saw great popularity of manufactured paper dolls by many fine artists. The Saalfield Publishing Company had Maybell Mercer, Betty Bell, Ann Kovach and Jean Morse in the 1930s and 1940s, Mary Knight in the 1950s, and Irene Geiger in the 1970s. Fern Bisel Peat created many charming books from 1931 to 1937. Ruth Newton's animals in Costumes are memorable. Rose O'Neill's dear Scootles and Kewpie made a delightful book in 1936. George and Nan Pollard painted celebrity dolls in the 1950s and 1960s for Saalfield as well as for Samuel Lowe. Their lifelike art extended to other subjects as well. Louise Rumely is remembered for her precious baby paper dolls in the early 1960s, as well for her cherub-filled Swan Soap ads of the 1940s and 1950s. Ethel Hays Simms is known for her Raggedy Ann and Andy series from the 1940s to the 1960s. Other artists can be studied in Mary Young's Paper Dolls and Their Artists, books I and II. Samuel Lowe Publishing Company A few of the popular artists of the Samuel Lowe Company are Merily Sharpe, who has been compared to Queen Holden in style; Pelagie Doane, who was also admired as a children's book illustrator; and the Henderson sisters, Doris and Marion, who did large groups of children in play settings. Fern Bisel Peat also painted several books for this company in the 1940s, as did Queen Holden in the 1960s. Jeanne Voelz did celebrity dolls for Lowe and for Saalfield, as well as the irresistible Cuddles and Rags and other cute characters. Whitman Publishing Companies Besides the famed Queen Holden, in the 1940s and 1950s Whitman also published the works of Hilda Miloche, whose style is immediately recognized by collectors. (Some of her paper dolls appeared in paper doll story books of the popular Little Golden Books). Avis Mac (1930s) and Judy Stang (early 1970s) did sweet children dolls. Ruth Newton also did her cute animals for Whitman, and Neva Shultz was prolific in the 1960s, doing twenty-eight books. See Mary Young's books for more information on the Whitman artists. Merrill Publishing Company Miriam Pendleton Kimbal created books filled with children, as well as the highly-sought-after Gone With the Wind (1940), which can sell for more than $400 today. Merrill enjoyed the popularity of Louise Rumely's sweet babes, including her Angel Babies. Florence Salter's animals are often confused with Ruth Newton's, as both artists dressed puppies and kittens in paper-doll style. E.A. Voss, noted for her children's book illustrations, did a few paper dolls for Merrill, as did the popular magazine illustrator Maud Tousy Fangel. Western Publishing, Racine, Wisconsin Thanks to Western Publishing of Racine, Wisconsin, many of Disney's characters became paper dolls. In addition, Doris Lane Butler did young lady dolls (1940s), and Rachel Taft Dixon was loved for her storybook, historical, and folk dolls (1930s). Ethel Bonney Taylor gave us Blondie (1941) as a paper doll. During the 1990s Western Publishing brought us our favorite Disney characters as paper dolls, including Snow White, Pocahontas, The Little Mermaid, Beauty and the Beast and others. These books are still fairly easy to find on eBay and via secondary market sellers. Celebrity Paper Dolls Celebrities and movie stars were very popular with all the major publishers. It was much simpler to portray stars in the 1930s, 1940s and 1950s, when rights were generally not secured. Studios often "owned" movie stars and their images, and the stars themselves never saw any income from their sale as paper dolls. With images of beloved stars and sports heroes protected today by lawyers and watchdogs all over the world, a publisher must pay for the rights to reproduce our favorite stars as paper dolls. We are fortunate that the images of royalty and politicians are generally free from these restrictions, so some popular contemporary figures can more readily find their way into paper doll art. Movie Star Paper Dolls Ladies World brought us movie stars in paper doll form from 1916 to 1918, including Mary Pickford, Billie Burke, Mary Miles Minter and Charlie Chaplin. The Delineator also used movie stars in a paper-doll guessing game in 1917. Photoplay presented Movy-Dolls in 1919 and 1920. All were ingénues of the silent screen, including the ever-charming Mary Pickford, Norma Talmadge, Charlie Chaplin and Douglas Fairbanks. In 1925, Woman's Home Companion did a short series of child stars as paper dolls -- Jackie Coogan, Baby Peggy, and Peter Pan and Our Gang, painted by Frances Tipton Hunter. In 1925, they ran Hollywood Dollies, doing sixty-six different celebrities including Rudolph Valentino, Tom Mix, Colleen Moore, Mary Astor and Rin Tin Tin. Barbie Barbie may be credited or condemned for the decline in popularity of paper dolls in the 1960s, yet in the 1990s Barbie was one of the most popular paper dolls among children and collectors alike. Paper-doll versions of Barbie and her sister, Skipper, were strong sellers in the 1970s to supplement their three-dimensional counterparts. Boyfriend Ken and girlfriend Midge were also made as paper dolls. Paper Barbies appeared in books and in boxed sets from 1962 through the 1990s, and have dwindled to nearly nothing in the first years of the 21st Century. Little to nothing is known of the various Barbie artists until the late 1980s, when nationally known artist Tom Tierney began painting her for Western Publishing. As Tom maintains a wide network of correspondence with his fans and readers of collector publications, most were aware of his new works wherever they appeared. Another Barbie artistto appear in the 1990s was Barb Rausch, whose love of paper doll art started with Bill Woggon's famous Katy Keene, first done for Archie Comics. Other Places to Find Paper Dolls Collectors today enjoy many and varied sources of paper dolls. One may network with other collectors via paper doll newsletters and learn about the latest paper dolls published, sources for buying from eBay and other online auctions, catalogues, and directly from artists, and at local and regional parties and conventions. Speaking of conventions, they're the greatest place in the world to find paper dolls. First-time attendees have been heard to gush, "It's paper doll heaven in there!" upon exiting the sales floor. Greeting card companies sometimes publish cards with paper dolls. Keep a keen eye on all the publishers' racks and review them frequently each season, and you may find paper dolls and toys on cards and even wrapping paper. "Paper dolls" may be wood, cloth, plastic or even magnetic. Fabric stores now sell “paper” dolls on yard goods. Specialty shops and catalogues carry some surprising selections.

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